Examples implementations relate to payment tokens. An example includes a customer computer creating a first data buffer, with a set of customer-specified parameters, signing the first data buffer with a customer private key, associating a customer public key to the signed first data buffer to create a first data record that is communicated to a service provider. The service provider computer creates a second data buffer with a set of service provider-specified parameters, signs the second data buffer with a first private key of the service provider, associates a first public key of the service provider to the signed second data buffer to create a second data record, combines the first and second data records, signs the combined data record with a second private key of the service provider, and associates a second public key of the service provider to the combined data record.