Why Pagou recommends it
- Hosted card fields reduce PCI exposure.
- Tokenization happens in the browser without your backend touching raw card data.
- Card authentication is handled inside
elements.submit(...), with no extra fields to collect. - Your backend contract stays simple: create a transaction with the token returned by the browser.
Backend request
Example response
Common error
Status422
Decision rule
- Use Payment Element for new browser card flows.
- Keep older tokenization only when you are maintaining a legacy flow and cannot migrate yet.

