Our platform helps you accept and manage online card payments with flexibility, control, and security. This guide focuses specifically on processing credit and debit card transactions. With a single integration, you can support most global and local card brands, providing a seamless checkout experience for your customers.

You can use any of our PCI-compliant solutions to securely collect sensitive card information. For full control over the look and feel of your checkout page, you can build your own payment form using our APIs

How Card Payments Work

The online card payment process involves a few key stages, from collecting customer details to managing the transaction after the sale.

1. Collect Card Details: Your customer enters their card information on your website or app through a secure form.
2. Process the Payment: You send the encrypted card data to our API to process the transaction. You can choose one of two primary flows:
   1. Direct Sale: Authorize and capture the funds in a single step.
   2. Authorize and Capture: Reserve the funds first (authorize) and collect them later (capture).
3. Manage the Transaction: After a payment is complete, you can perform follow-up actions like voiding or refunding the original transaction.

Before You Begin

Ensure you have the following prerequisites in place before starting your integration:

• A fully underwritten merchant account with our platform.
• A valid API Bearer Token for authentication. Contact the PCE Integration Support to obtain one.
• Your unique merchantId, assigned during onboarding and available in the merchant dashboard. Contact the PCE Account Management if you need assistance.

Features & Capabilities

Our platform provides a complete set of features to manage the entire lifecycle of an online card transaction, from initiation to reconciliation.

1. Initiating a Payment: These are the core methods for starting a transaction.
   1. Sale (Auto Capture): Combines authorization and capture into a single API call for immediate payment collection.
   2. Separate Auth & Capture: A two-step process where you first reserve funds (authorize) and collect them later (capture).
   3. Verification Checks (AVS & CVV): Use Address Verification System and Card Verification Value checks to validate cardholders and reduce fraud during a transaction.
   4. Handling Decline Codes: Receive clear, detailed codes for declined transactions to provide specific feedback to your customers.
2. Managing Payments: Actions to manage transactions before and after they have settled
   1. Pre-Settlement Actions
      1. Void a Payment: Cancel a payment before it's settled.
      2. Flexible Captures: Execute full, partial, or multiple captures against a single authorization.
      3. Over-Capture: Capture an amount slightly higher than the original authorization.
   2. Post-Settlement Actions
      1. Refunds: Return funds to a customer. We support both full and partial refunds.
3. Value-Add Features: These features are designed to create a seamless checkout flow and encourage repeat business.
   1. Store Card Details (Tokenization): Securely save card details as tokens to enable one-click checkouts.
   2. Account Updater: Automatically updates vaulted card information to prevent payment failures from expired or replaced cards.
   3. Tip Adjustments: Add a tip to a previously authorized or captured amount.
4. Interchange Optimization: Lower your processing costs by submitting detailed transaction data, including Level II/III data and B2B optimizer flags.
   1. B2B Optimizer: Increase interchange qualification for business-to-business transactions by automatically applying optimizer flags and enhanced data where applicable.
   2. Level II/III Data: Reduce interchange fees by enriching transactions with additional commercial and line-item details required for corporate and purchasing cards.
   3. Address Verification Service (AVS): Improve authorization outcomes and reduce fraud by validating billing address details during transaction processing.
5. Business Operations: These features help you manage costs, reporting and funding.
   1. Surcharging: Recover processing costs by applying a surcharge where permitted.
   2. Batch Management: View and manage daily batches of transactions, which are grouped together for settlement.