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Cardinal Cruise utilizes a JWT to handle authentication and to assist in passing secure data between you and Cardinal. The JWT is a JWS with the signature using a SHA-256 HMAC hash algorithm. The JWT must be created server-side and sent to the front end to be injected into the JavaScript initialization code. Creating a JWT client-side is not a valid activation option. Each order should have a uniquely generated JWT associated with it.

Learn more about JWT's.

Helpful JWT external pages:


Cardinal Credentials

As part of registering for Cardinal Cruise you will have received 3 values that are used to authenticate yourself with Cardinal. JWT creation requires that these values have been generated and handed off to you. Failure to properly authenticate using these values will result in API failures and will prevent transaction processing.

  • API Identifier - A non-secure value that should be passed within the JWT under the iss claim.

  • Org Unit Id - a non-secure value that should be passed within the JWT under the OrgUnitId claim.

  • API Key - A secure value that should only ever be known between you and Cardinal. This value should never be rendered or displayed anywhere your users could find it. The API Key should only be used to sign the JWT and to verify a JWT signature from Cardinal. It should never be included within the JWT itself.

Table of Contents

JWT Fields

A valid generic transaction JWT must contain the below values. Additional fields may be required to complete an integration with some payment brands. Please review the payment brand's documentation for more details on if a payment brand needs additional fields.


Required Claims

Please note that each claim key is case sensitive.

Claim NameDescription
jtiJWT Id - A unique identifier for this JWT. This field should change each time a JWT is generated.

Issued At -


A unix timestamp since epoch


in seconds


for when the JWT was generated. This value should be generated using UTC only. This allows us to determine how long a JWT has been around

and whether we

and whether we consider it expired or not.

issIssuer - An identifier of who is issuing the JWT. We use this value to contain the Api Key identifier or name.

The merchant SSO OrgUnitId

PayloadThe JSON data object being sent to Cardinal. This object is usually an Order object

Optional Claims

The following claims are available for use but are not currently required for a valid JWT:

Claim NamesDescription
ReferenceIdThis is a merchant supplied identifier that can be used to match up data collected from Cardinal Cruise and Centinel. Centinel can then use data collected to enable rules or enhance the authentication request.
ObjectifyPayloadA boolean flag that indicates how Centinel Api should consume the Payload claim. When set to true, this tells Centinel Api the Payload claim is an object. When set to false, the Payload claim is a stringified object. Some Jwt libraries do not support passing objects as claims, this allows those who only allow strings to use their libraries without customization
expExpiration - The numeric epoch time that the JWT should be consider expired. This value is ignored if its larger than 2 hrs. By default we will not consider any JWT older than 2 hrs.

Other Claims

The following claims are conditionally required when doing some transactional flows:

Claim NameDescriptionFlow Required
ConfirmUrlThe merchant endpoint that will receive the post back from the payment brand that contains the Centinel API response JWT describing the result of redirecting to the payment brand.Redirect

JWT Payload Example

Below is an example of the JSON content of a basic JWT Payload where we are passing an object within the Payload claim:

Code Block
titleRaw JWT Sample
	"jti": "a5a59bfb-ac06-4c5f-be5c-351b64ae608e",
	"iat": 1448997865,
	"iss": "56560a358b946e0c8452365ds",
	"OrgUnitId": "565607c18b946e058463ds8r",
	"Payload": {
		"OrderDetails": {
			"OrderNumber": "0e5c5bf2-ea64-42e8-9ee1-71fff6522e15",
			"Amount": "1500",
			"CurrencyCode": "840"
	"ObjectifyPayload": true,
	"ReferenceId": "c88b20c0-5047-11e6-8c35-8789b865ff15",
	"exp": 1449001465,
	"ConfirmUrl": ''

Below is an example of the JSON content of a basic JWT Payload where we are passing a string within the Payload claim:

Code Block
titleStringified JWT Sample
	"jti": "29311a10-5048-11e6-8c35-8789b865ff15",
	"iat": 1448997875,
	"iss": "56560a358b946e0c8452365ds",
	"OrgUnitId": "565607c18b946e058463ds8r",
	"Payload": "{\"OrderDetails\":{\"OrderNumber\":\"19ec6910-5048-11e6-8c35-8789b865ff15\",\"Amount\":\"1500\",\"CurrencyCode\":\"840\"}}",
	"ObjectifyPayload" false
	"ReferenceId": "074fda80-5048-11e6-8c35-8789b865ff15"
	"ConfirmUrl": ''

Code Samples

The below code samples are to provide you with a basic idea on how to generate JWT's within a few languages. 


We do not recommend using these samples unmodified in a production environment. They are intended as examples only.

Generating a Server JWT in .NET

We recommend using an existing third party library to assist you in generating a JWT. The website contains a list of libraries with their feature sets. Check it out here. In the below sample we will focus on using this JWT ( library.


When using nuget you can grab the JWT library by installing the package 'JsonWebTokens'. It has been reported that some versions of .Net will need to install an additional dependency 'System.Security.Cryptography.Primitives' for 'JsonWebTokens' to work properly.

Code Block
// This sample code was written using the JSON Web Token Handler library.

using System.Configuration;
using System.Web.Mvc;
using CardinalCruiseDemoSite.Helpers;
using CardinalCruiseDemoSite.Models.View;

namespace CardinalCruiseDemoSite.Controllers
    public class HomeController : Controller
        private readonly JwtHelper _jwtHelper = new JwtHelper();

        public ActionResult Index()
            var apiKey = ConfigurationManager.AppSettings["APIKey"];
            var apiIdentifier = ConfigurationManager.AppSettings["APIIdentifier"];
            var orgUnitId = ConfigurationManager.AppSettings["OrgUnitId"];

            var jwt = _jwtHelper.GenerateJwt(apiKey, apiIdentifier, orgUnitId);

            return View(new CardinalCruiseViewModel {JWT = jwt});

Code Block
titleView Model
namespace CardinalCruiseDemoSite.Models.View
    public class CardinalCruiseViewModel
        public string JWT { get; set; }

This is an example of a JWT object class.

Code Block
titleJWT Helper
using System;
using System.Collections.Generic;
using CardinalCruiseDemoSite.Models;
using JWT;

namespace CardinalCruiseDemoSite.Helpers
    public class JwtHelper
        public string GenerateJwt(string apiKey, string apiIdentifier, string orgUnitId)
            var payload = new Dictionary<string, object>
                {"exp", DateTime.UtcNow.AddDays(365).ToUnixTime()},
                {"iat", DateTime.UtcNow.ToUnixTime()},
                {"jti", Guid.NewGuid()},
                {"iss", apiIdentifier},
                {"OrgUnitId", orgUnitId},
                    "Payload", new Order
                        OrderDetails = new OrderDetails
                            OrderNumber = Guid.NewGuid().ToString()

            return JsonWebToken.Encode(payload, apiKey, JwtHashAlgorithm.HS256);


It is important that you generate the JWT expiration using UNIX time. We recommend using a library such as NodaTime from to help with this. If you are unable to use a third party library, here is a helper function you may use (this is used in the example above):

Code Block
titleTime Helper
using System;

namespace CardinalCruiseDemoSite.Helpers
    public static class DateTimeHelper
        public static long ToUnixTime(this DateTime date)
            var epoch = new DateTime(1970, 1, 1, 0, 0, 0, DateTimeKind.Utc);
            return Convert.ToInt64((date - epoch).TotalSeconds);

Generating a Server JWT in Java

We recommend using an existing third party library to assist you in generating a JWT. The website contains a list of approved libraries, with their feature sets. Check it out here.

Code Block
titleJWT Generator Utility
// This sample code was written using the Java JWT
// library ( found at

import io.jsonwebtoken.JwtBuilder;
import io.jsonwebtoken.Jwts;
import io.jsonwebtoken.SignatureAlgorithm;

import java.util.Date;
import java.util.UUID;

import javax.crypto.spec.SecretKeySpec;

public class generateJWT {
	public static String apiKey = "";
	public static String apiIdentifier = "";
	public static String orgUnitId = "";
	// Sample method to construct a JWT
	public static String createJWT(String jwtId, long ttlMillis, Order orderObject) {
		// The JWT signature algorithm we will be using to sign the token
		SignatureAlgorithm signatureAlgorithm = SignatureAlgorithm.HS256;
		long nowMillis = System.currentTimeMillis();
		Date now = new Date(nowMillis);
		// We will sign our JWT with our API Key
		byte[] apiKeySecretBytes = apiKey.getBytes();
		Key signingKey = new SecretKeySpec(apiKeySecretBytes, 
		// Let's set the JWT Claims
		JwtBuilder builder = Jwts.builder()
			.claim("OrgUnitId", orgUnitId)
			.claim("Payload", orderObject)
			.signWith(signatureAlgorithm, signingKey);
		// Add the expiration or TTL (Time To Live) for this JWT
		if (ttlMillis > 0) {
			long expMillis = nowMillis + ttlMillis;
			Date exp = new Date(expMillis);
		// Builds the JWT and serializes it to a compact, URL-safe string
		return builder.compact();

Generating a Server JWT in PHP

We recommend using an existing third party library to assist you in generating a JWT. The website contains a list of approved libraries, with their feature sets. Check it out here.

Code Block
	composer.json Example:
		"require": {
			"lcobucci/jwt": "3.1.0" // Note: Requires PHP 7
	require "vendor/autoload.php"; // Autoload.php is generated by Composer
	use Lcobucci\JWT\Builder;
	use Lcobucci\JWT\Signer\Hmac\Sha256;
	$_SESSION['TransactionId'] = uniqid();
	$_SESSION['Order'] = array(
		"OrderDetails" => array(
			"OrderNumber" =>  'ORDER-' . strval(mt_rand(1000, 10000)),
			"Amount" => '1500',
			"CurrencyCode" => '840'
	function generateJwt($orderTransactionId, $orderObj){
		$currentTime = time();
		$expireTime = 3600; // expiration in seconds - this equals 1hr
		$token = (new Builder())->setIssuer($GLOBALS['ApiId']) // API Key Identifier (iss claim)
					->setId($orderTransactionId, true) // The Transaction Id (jti claim)
					->setIssuedAt($currentTime) // Configures the time that the token was issued (iat claim)
					->setExpiration($currentTime + $expireTime) // Configures the expiration time of the token (exp claim)
					->set('OrgUnitId', $GLOBALS['OrgUnitId']) // Configures a new claim, called "OrgUnitId"
					->set('Payload', $_SESSION['Order']) // Configures a new claim, called "Payload", containing the OrderDetails
					->set('ObjectifyPayload', true)
					->sign(new Sha256(), $GLOBALS['ApiKey']) // Sign with API Key
					->getToken(); // Retrieves the generated token
		return $token; // The JWT String
	echo generateJwt($_SESSION['TransactionId'], $_SESSION['Order']);