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Use Payment Element when you are building or rebuilding checkout.

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

Status 422
Fix: create the token in Payment Element first. Do not collect raw card data in your own form and send it directly to the API.

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.

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