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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.

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How cards work

Card payments follow a simple flow: collect details, authorize, and capture funds.
  1. Collect card details Card information is collected through a hosted page or embedded element.
  2. Authorize payment The payer’s bank approves or declines the transaction in real time.
  3. Complete payment Funds are captured and the payment is marked as successful.

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Supported cards

Acclaim supports major global card networks, including:
  • Visa
  • Mastercard
  • American Express
  • Other regionally supported networks
Availability may vary by region.

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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

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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

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Tokenization and reuse

Cards can be securely stored and reused through tokenization requests. This allows you to:
  • Avoid re-collecting card details
  • Enable faster repeat payments
  • Support off-session payments
Sensitive card data is not exposed to your systems.

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Failures and declines

Card payments may fail during authorization. Common reasons include:
  • Insufficient funds
  • Incorrect card details
  • Card restrictions or blocks
Failed payments can typically be retried immediately after correcting the issue.

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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
See Disputes for more.

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Best practices

  • Offer cards for fast and familiar payment experiences
  • Use tokenization for repeat payers
  • Handle declines gracefully and allow retry
  • Monitor disputes and respond promptly

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Summary

  • Cards provide instant authorization and global coverage
  • They are ideal for one-time and immediate payments
  • Tokenization enables reuse and faster repeat payments
  • Disputes and declines should be handled as part of normal operations
Last modified on March 29, 2026