Credit Cards, How do they work?

In order to pay with Mastercard or Visa the customer needs to fill in their card number, CVC-code and expiry date to release a payment. When the 3D Secure is enabled on the credit card, the customer needs to provide an authentic code on the next page to finalize the payment. The 3D secure insures that the customer is the rightful account holder.

Credit card “Visa, Mastercard, American Express and Maestro” transaction flow

Credit card transactions received by MultiSafepay, will be processed through our fraud filter. The following statuses are important when receiving a credit card payment:

Order Status Financial Status Description
Initialized Initialized A payment link has been generated, but no payment has been received yet.
Completed Completed A successful credit card transaction has been received and the funds will be added to your MultiSafepay Control balance.
Uncleared Uncleared Waiting for manual permission of the merchant to approve/disapprove the payment. Read more on accepting uncleared credit card payments, how and why?
Declined Declined Transaction has been rejected. read more on credit card status ‘declined’. What does this mean?
Expired Expired An unfinished transaction will automatically expire after a predefined period.
Void Canceled Transaction has been canceled.

Credit card transaction, refund status flow

Order Status Financial Status Description
Reserved Reserved A refund has been requested.
Completed Completed Refund has been successfully processed.
Chargeback Completed Forced reversal of funds initiated by customer’s bank (issuer). Only applicable to Direct Debit and credit card payments. Information on how to proceed when receiving a chargeback

Full API reference on the payment method credit card.

Product Rules

Some rules may apply to certain payment methods. These rules apply to the payment method credit card.

  • The lifetime of a payment link can be adjusten. This might be beneficial for your inventory. The adjustment can be processed through the days or seconds active.

    Full documentation on the lifetime of a payment link can be found on our FAQ page, Lifetime of a payment link

  • Mastercard and Visa can be processed in the following currencies

    • As standard currency

      Euros (EUR)
      Pounds (GBP)
      Dollars (USD)

    • If a different currency is desired, contact our support department for the possibilities. Submit your request at [email protected]