Permanent and Temporary Payment Method

In Moneris API model, the distinction between Temporary Payment Method and Permanent Payment Method is mainly about lifetime, storage, and intended usage.

Temporary Payment Method

A temporary payment method created from a temporary token, usually generated on the frontend via hosted tokenization, is valid for 15 minutes and expires afterward. It suits one-time payments only. A Temporary Payment Method can became a Permanent Payment Method.

Key characteristics

• Short-lived
• Expires in 15 minutes
• Not meant to be stored long-term
• Often used immediately in the next API call

Typical flow

1. Frontend collects card using Hosted Tokenization
2. Generates a temporary token
3. Backend sends it to Moneris
4. Used to create a payment or convert into a Permanent Method

When to use it

• One-time payments
• Initial secure capture of card data
• PCI-compliant flows (no raw card data)

Permanent Payment Method

A permanent payment method is a stored, reusable payment credential, typically backed by Permanent Token, Network Token or a stored Payment Method resource.

Key characteristics

• Long-lived - do not expire
• Stored securely
• Can be reused indefinitely (until deleted)
• Identified by paymentMethodId

Typical flow

1. Create payment method
2. Store returned ID
3. Reuse anytime

When to use it

• Saved cards
• Subscriptions
• Recurring billing
• One-click checkout
• Customer wallets