Secure Payments API – OBO Token


On-Behalf-Of (OBO) tokens make it easy to separate creating payment profiles from other requests, like creating transactions or managing your Secure Payments account. To create an OBO token, you'll need your Secure Payments credentials; but once generated, you can create a payment profile with only the OBO token. Regular credentials expire after 90 days, but OBO tokens remain valid unless and until they are revoked. This means that you can create a simple, permanent location for your borrowers to enter their payment profile information while keeping your regular credentials removed from the process.

Obtaining OBO Tokens

To obtain an OBO token, you'll send a POST request to this endpoint:


Here's a sample cURL request:

curl --request POST \
--url \
--header 'Content-Type: application/json' \
--header 'Authorization: your-token' \
--header 'Secret: your-secret' \'

Your response will give you a new OBO token:

"token": "your-obo-token"

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