Overview

Card payments are a secure and widely adopted digital payment method that allow customers to make purchases using credit or debit cards issued by financial institutions. Fincra's Card Payment API enables businesses to accept card payments globally, supporting major card networks and providing a seamless checkout experience across web and mobile platforms.

How Card Payments Work

The Fincra Card Payment API facilitates the transaction flow between your business, the customer, and the banking networks:

Your business initiates a payment request through Fincra's API
The customer enters their card details on your checkout page or Fincra's hosted page
Card information is securely processed and validated
If required, the customer completes 3D Secure authentication
The transaction is authorised by the card issuer
Fincra confirms the payment status and notifies your business
Funds are settled to your account according to your settlement schedule

Common Use Cases

E-commerce Platforms: Process online purchases securely
SaaS and Subscription Services: Handle recurring billing efficiently
Marketplace Payment Processing: Facilitate transactions between buyers and sellers
Travel and Hospitality Bookings: Secure reservation payments
Digital Content and Services: Enable immediate access to digital products

Card payment properties by currency

Features	NGN	USD
Mastercard scheme supported	✅	✅
Visa scheme supported	✅	✅
Verve scheme supported	✅	N/A
Chargebacks	✅	✅
AMEX scheme supported	N/A	❌
Recurring payment supported	coming soon	coming soon

Integration options for card payments

Fincra offers three methods for accepting card payments:

Card payments via Checkouts
Card payments through Payment Links
Card payments using our Direct Card Charge APIs. This method involves handling sensitive customer data, so PCI DSS certification is required. If your business is PCI-DSS compliant and you wish to send cardholder information directly to our APIs, please contact us at [email protected]