Credit Card

💳 Credit Card Payments

ℹ️ For full request and response examples, refer to the API Reference.

To fully leverage our credit card capabilities, it’s essential to understand the key concepts in the transaction lifecycle — from authentication to settlement, refund, and dispute management.

📘 Key Concepts

Concept	Description
🔐 Authentication (3DS)	3D Secure (3DS) is a protocol used to authenticate the cardholder before authorization. Based on the issuer's response, the flow can be frictionless or require a challenge. If authentication is successful, the chargeback liability shifts from merchant to issuer.
🛡️ Antifraud (AF)	Antifraud systems analyze transactions based on behavioral, device, and historical risk signals. They may approve, reject, or flag a transaction for manual review before it reaches authorization.
🏦 Authorization	This is when the transaction is sent to the card issuer and scheme (e.g., Visa, Mastercard) for approval. A pre-authorization reserves funds but does not complete the charge until capture.
❌ Cancellation	Cancels an authorized or captured transaction, often due to unfulfilled orders or user action.
💸 Refunded	Indicates a full or partial return of funds to the customer after the payment has been captured.
⚠️ Chargeback Requested	The cardholder has disputed the transaction. Funds are temporarily withdrawn from the merchant while the issuer investigates.
✅ Chargeback Refunded	The dispute was accepted by the issuer. The transaction is finalized with a full reversal of funds to the cardholder.

🏷️ Accepted Card Brands

Card Brand	One-Time Payment	Installments (Store)	International Support
Visa	✅ Yes	✅ Yes	✅ Yes
MasterCard	✅ Yes	✅ Yes	✅ Yes
American Express	✅ Yes	✅ Yes	✅ Yes
Elo	✅ Yes	✅ Yes	✅ Yes
Diners Club	✅ Yes	❌ No	✅ Yes
Discover	✅ Yes	❌ No	✅ Yes
JCB	❌ No	❌ No	❌ No
Aura	✅ Yes	✅ Yes	✅ Yes

🔄 Credit Card Transaction Flow

sequenceDiagram
    participant Buyer as 🧑 Buyer
    participant Merchant as 🛒 Merchant Platform
    participant A55API as 🧩 a55 API
    participant AF as 🛡️ Antifraud Engine
    participant ThreeDS as 🔐 3DS Server
    participant Acquirer as 🏦 Acquirer / Provider

    Buyer->>Merchant: 1. Selects credit card as payment method
    Merchant->>A55API: 2. Sends transaction request (card + payer data)
    A55API->>AF: 3. Triggers antifraud analysis
    AF-->>A55API: Risk decision (approve / reject / review)
    A55API->>ThreeDS: 4. Initiates 3DS authentication (if enabled)
    ThreeDS-->>A55API: 5. 3DS result (frictionless / challenge / success / fail)
    A55API->>Acquirer: 6. Sends transaction for authorization
    Acquirer-->>A55API: 7. Returns authorization status
    A55API-->>Merchant: 8. Returns final result