Jquery File upload without using FormData

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I am struggling with uploading a file through an ajax form without using FormData. FormData isn't an option because the form contains credit card info that I am tokenizing with a third party and I don't want the CC info submitted to my backend.

I did see this question, which I have used as a starting point, but I'm fairly new to jQuery and struggling with implementation.

I am not getting a submittal of the var file at all, but everything else works great. Am I not collecting the file correctly or am I not bringing it into scope the right way?

My upload.js file:

var file;
        $("#file").on("change", function(){
            var file = this.files[0],
            filename = this.files[0].name;
            filesize = this.files[0].size;
            //calling alert(file) provides a response of [object file] 
        })

function handleResponse(response) {
    // fires if credit card info is successfully tokenized
    if (response.status_code === 201) {

        var fundingInstrument = response.cards != null ? response.cards[0] : response.bank_accounts[0];

        //rest of the form inputs
        var name = $('#name').val();
        var contact_name = $('#contact_name').val();
        var cell = $('#cell').val();
        var address_1 = $('#address_1').val();
        var city = $('#city').val();
        var state = $('#state').val();
        var zip = $('#zip').val();
        var tax = $('#tax').val();

        //trying to bring file var in scope 
        var file = file;


        // ajax .post
        jQuery.post(baseURL+'/contractors/edit', {
            uri: fundingInstrument.href,
            name: name,
            contact_name: contact_name,
            cell: cell,
            file: file,
            address_1: address_1,
            city: city,
            state: state,
            zip: zip,
            tax: tax,
            file: file,
        }, function(r) {
            // Check backend response
            if (r.status === 200) {...

asked 32 secs ago

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Jquery File upload without using FormData