CITI_FLEX or CITO_FLEX flags will expire 90 days after their initial linking, renewal, or the last successful transaction—whichever is most recent. There are several ways for customers to renew the token:callback_url defined in your Merchant Portal under Outlet Profile > Services > Card on File (CoF). This endpoint acts as the primary listener for asynchronous token info. Below is a sample payload of the callback data received once a user approves the request within the ABA Mobile app.{
"payment_credential": {
"ctid": "SIDARA",
"amount_limit_per_tran": 0,
"token_flag": "CITI_FLEX",
"source_of_fund": "*****1481",
"subscribed_amount": 0.0,
"currency": "USD",
"expired_at": "2026-06-07T15:47:38.8884292+07:00",
"pwt": "6451397B0BC9...E807",
"type": "ABA ACCOUNT",
"status": 1,
"frequency": ""
},
"request_id": "6547709733"
}