Card payments

About credit and debit cards

Credit 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.

Credit 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:

SupportsDetails
CountriesAmex, Maestro, Mastercard, Visa: Worldwide
Cartes Bancaires: France
Dankort: Denmark
Postepay: Italy
V Pay: Europe
CurrenciesAmex: 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 2.0Yes
ChargebacksYes, except Postepay
Payment componentsYes
Payment pagesYes (current and deprecated versions)
Recurring paymentsYes
RefundsYes: Full and partial
Second ChanceYes

Payment flow

This diagram shows the flow for a successful transaction. Click to magnify.

Credit and debit cards payment flowCredit and debit cards payment flow

Payment statuses

The table below sets out the order status and transaction status for payments and refunds.

DescriptionOrder statusTransaction status
The customer has been redirected for 3D Secure authentication, or the card scheme is authorizing the transaction.InitializedInitialized
The card scheme authorized the transaction, but we've flagged it as potentially fraudulent.
Review it and then manually capture or decline.
UnclearedUncleared
MultiSafepay has collected payment.CompletedCompleted
(Amex account number flow) American Express has collected payment.CompletedInitialized
Payment wasn't captured manually or within 5 days.VoidVoid/Cancelled
The customer didn't complete 3D Secure authentication.ExpiredExpired
The customer failed 3D Secure authentication or cancelled payment.
See Card errors.
DeclinedDeclined
Refund/chargeback initiated.ReservedReserved
Refund/chargeback complete.CompletedCompleted

Activation

  1. 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.

  2. Once approved, sign in to your MultiSafepay dashboard .

  3. To activate the payment method for:

    • All sites, go to Settings > Payment methods.
    • A specific site:
      • Go to Integrations > Sites, and then click the relevant site.
      • On the Site profile page, under Payment methods, click Select payment methods.
  4. 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]

Integration

API

  • See API reference – Create order > Card order.

    Example requests

    For example requests, on the Create order page, in the black sandbox, see Examples > Card direct/redirect. Set gateway to AMEX, MAESTRO, MASTERCARD, VISA, or the generic CREDITCARD.

  • Transactions expire after 1 hour.

Co-branded cards

Co-branded cards are processed through the VISA gateway.
In the customer object, set the locale parameter:

  • Cartes Bancaires: fr_FR (France)
  • Dankort: da_DK (Denmark)
  • Postepay: it_IT (Italy)

Generic gateway

  • The generic CREDITCARD gateway 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 > Credit card redirect.

Ready-made integrations

All our ready-made integrations support:

  • Amex, Maestro, Mastercard (redirect)
  • Visa (including Cartes Bancaires, Dankort, Postepay, V Pay) (redirect)

Testing

To test card payments, see Testing payment methods - Credit and debit cards.


User guide

Amex merchant account number

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.

Cardholder data

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.

Refunds and reversals

See Card refunds.



💬

Support

Email [email protected]

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