Cards are a widely supported payment method that allow payers to complete payments instantly using credit or debit cards. They provide a fast, familiar experience and are typically the default choice for one-time or immediate payments.Documentation Index
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How cards work
Card payments follow a simple flow: collect details, authorize, and capture funds.- Collect card details Card information is collected through a hosted page or embedded element.
- Authorize payment The payer’s bank approves or declines the transaction in real time.
- Complete payment Funds are captured and the payment is marked as successful.
Supported cards
Acclaim supports major global card networks, including:- Visa
- Mastercard
- American Express
- Discover
- JCB
- UnionPay
- Diners Club
When to use cards
Cards are best suited for:- One-time payments
- Immediate payment confirmation
- Payers who expect a familiar checkout experience
- Global payment acceptance
Authorization and settlement
Card payments are authorized immediately, but settlement may occur later depending on the network and region.- Authorization — real-time approval or decline
- Settlement — funds are transferred after processing
Setup and reuse
Cards can be securely stored and reused through setup requests. This allows you to:- Avoid re-collecting card details
- Enable faster repeat payments
- Support off-session payments
Failures and declines
Card payments may fail during authorization. Common reasons include:- Insufficient funds
- Incorrect card details
- Card restrictions or blocks
Disputes
Card payments may be disputed by the payer after completion. Disputes:- Are initiated through the card network
- Require evidence and response
- May result in funds being reversed
Best practices
- Offer cards for fast and familiar payment experiences
- Use setup requests for repeat payers
- Handle declines gracefully and allow retry
- Monitor disputes and respond promptly
Summary
- Cards provide instant authorization and global coverage
- They are ideal for one-time and immediate payments
- Setup requests enables reuse and faster repeat payments
- Disputes and declines should be handled as part of normal operations