About credit and debit cards
Cards are issued by a bank, building society, or card scheme and let customers pay on credit. Debit cards are issued by a bank and let customers transfer funds directly from their bank account. Cardholders can pay for products or services at a point of sale, online, or on a mobile app. They can also withdraw cash, or link their card to digital wallets or other local payment methods.
Cards are a very common payment method in many countries. Their widespread acceptance, ease of use, and ability to process payments in multiple currencies make them the ideal choice for many customers.
Cards may feature:
- A card number to uniquely identify the card
- A 3-4 digit card verification code (CVC) for additional security
- An expiry date
- The cardholder's name
MultiSafepay supports the following credit and debit cards:
- American Express (Amex)
- Mastercard (credit card) and Maestro (debit card)
- Visa and co-branded cards Cartes Bancaires , Dankort , V Pay (debit card)
📘 Note: Co-branded cards are processed through the VISA gateway.
|Countries||Amex, Maestro, Mastercard, Visa: Worldwide |
Cartes Bancaires: France
V Pay: Europe
|Currencies||Amex: EUR, GBP, USD |
Maestro, Mastercard, Visa: AED, AUD, BRL, CAD, CHF, CLP, CNY, COP, CZK, DKK, EUR, GBP, HKD, HRK, HUF, ILS, INR, ISK, JPY, KRW, MXN, MYR, NOK, NZD, PEN, PHP, PLN, RON, RUB, SEK, SGD, THB, TRY, TWD, UAH, USD, VEF, ZAR
To support additional currencies, email [email protected]
|3D Secure 2.0||Yes|
|Chargebacks||Yes, except Postepay|
|Payment pages||Yes (current and deprecated versions)|
|Refunds||Yes: Full and partial|
This diagram shows the flow for a successful transaction. Click to magnify.
The table below sets out the order status and transaction status for payments and refunds.
|Description||Order status||Transaction status|
|The customer has been redirected for 3D Secure authentication, or the card scheme is authorizing the transaction.||Initialized||Initialized|
|The card scheme authorized the transaction, but we've flagged it as potentially fraudulent. |
Review it and then manually capture or decline.
|MultiSafepay has collected payment.||Completed||Completed|
|(Amex account number flow) American Express has collected payment.||Completed||Initialized|
|Payment wasn't captured manually or within 5 days.||Void||Void/Cancelled|
|The customer didn't complete 3D Secure authentication.||Expired||Expired|
|The customer failed 3D Secure authentication or cancelled payment. |
See Card errors.
Email a request to activate cards to [email protected]
Include in the request your:
- Average, minimum, and maximum transaction amount
- Annual turnover
We check your eligibilty and if approved, activate the payment method for your account.
Once approved, sign in to your MultiSafepay dashboard .
To activate the payment method for:
- All sites, go to Settings > Payment methods.
- A specific site, go to Sites, and then click the relevant site.
- Select the checkbox for the payment method, and then click Save changes.
💬 Support: If the payment method isn't visible in your dashboard, email [email protected]
See API reference – Create order > Card order.
For example requests, on the Create order page, in the black sandbox, see Examples > Card direct/redirect. Set
VISA, or the generic
Transactions expire after 1 hour.
Co-branded cards are processed through the
customer object, set the
- Cartes Bancaires:
- The generic
CREDITCARDgateway bundles all cards activated for your account into a single gateway to save space in your checkout. The payment page automatically detects the specific card scheme based on the first 4 digits of the card number the customer enters.
- See Examples > Card payment redirect.
All our ready-made integrations support:
- Amex, Maestro, Mastercard (redirect)
- Visa (including Cartes Bancaires, Dankort, Postepay, V Pay) (redirect)
To test card payments, see Testing payment methods - Credit and debit cards.
If you use your Amex merchant account number:
- Amex settles the funds directly in your business bank account.
- You are automatically added to the Safekey directory.
- All currencies are supported.
The redirect integration means MultiSafepay handles sensitive cardholder data. You can also integrate directly and handle data on your PCI DSS compliant server.
See Cardholder data.
See Card refunds.
Email [email protected]
Updated 10 days ago