> ## Documentation Index
> Fetch the complete documentation index at: https://docs.withacclaim.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Cards

> Accept card payments globally with fast authorization and a familiar payer experience. Supports setup and reuse for future payments.

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.

***

## 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.

***

## Supported cards

Acclaim supports major global card networks, including:

* Visa
* Mastercard
* American Express
* Discover
* JCB
* UnionPay
* Diners Club

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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## 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

Sensitive card data is not exposed to your systems.

***

## Failures and declines

Failed payments may fail during authorization.

See [Payment failures](/guides/collect/payment-failures) for failure codes and guidance on retrying.

Common reasons include:

* Insufficient funds
* Incorrect card details
* Card restrictions or blocks

Failed payments can typically be retried immediately after correcting the issue.

***

## 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 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