Card Types Supported
- Credit Cards: Revolving credit line with delayed settlement
- Debit Cards: Direct debit from linked bank account
- Prepaid Cards: Pre-loaded balance with no bank account linkage
Payment Flow
Authentication Methods
Standard (Non-3DS)
- Card number, CVV, expiry date
- Faster checkout but higher risk
- Recommended for low-value transactions
3D Secure (3DS)
- Additional authentication layer (OTP, biometric, PIN)
- Frictionless flow: Risk-based authentication, no user action required
- Challenge flow: User prompted for additional verification
- Required for Strong Customer Authentication (SCA) in many regions
- Reduces fraud and shifts liability to issuer
Key Integration Points
- PCI Compliance: Use Tazapay’s hosted payment page or tokenization to avoid PCI scope
- Card Networks: Visa, Mastercard, American Express, Discover, RuPay
- Global Acceptance: Works in 150+ countries
Technical Considerations
For Developers
- Support both 3DS and non-3DS flows based on merchant preference
- Handle authorization vs capture flows for pre-authorization scenarios
- Implement proper error handling for declined transactions
- Use idempotency keys to prevent duplicate charges
Settlement
Flexible Settlement Timelines
Settlement timelines are customized based on your business needs and transaction volumes:- Same-day settlement: Available for high-volume merchants
- Daily settlement: Standard option for most businesses
- Weekly settlement: Common for smaller transaction volumes
- Settlement frequency can be adjusted as your business scales
Settlement timelines are configured during onboarding and can be modified based on changing business requirements. Contact your Tazapay account manager to discuss settlement options.
Use Cases
- E-commerce: Online purchases with saved cards
- Subscriptions: Recurring billing with card on file
- High-value transactions: 3DS required for enhanced security
- Cross-border payments: Accept international cards with currency conversion