Payments
Understand payment methods, processing and transaction behavior. 12 published pages.
Credit card surchargingExplains how credit card surcharging works, including how merchants add a fee to cover card processing costs and the rules governing surcharge rates and disclosure.Read the page TokenizationExplains how tokenization replaces sensitive payment details with reusable secure tokens or single-use tokens, enabling repeat payments without additional PCI compliance requirements.Read the page Interchange feeExplains how interchange fees are structured, what card brands charge for network use, and what factors determine which interchange category a transaction is assigned.Read the page Refunds and reversalsExplains the difference between refunds and reversals for card payments, including referenced and unreferenced refund types and when each applies.Read the page Dynamic currency conversionExplains how Dynamic Currency Conversion (DCC) lets cardholders pay in their home currency at point of sale, including eligibility requirements, regulations, and decision screen rules.Read the page Repeat paymentsExplains recurring payments and installment payments, and how to choose between your own software or our gateway to manage themRead the page Dynamic descriptorsExplains how dynamic descriptors let merchants customize the transaction text displayed on a customer's card statement to reduce chargebacks.Read the page Payment plans and subscriptionsExplains how payment plans and subscriptions work together to enable merchants to take recurring and installment payments from customers.Read the page Offline processingExplains how offline processing allows terminals to accept card payments without a gateway connection and store them for later submission.Read the page Payment method verificationExplains the methods available for verifying a cardholder's identity during a transaction, including PIN, signature, AVS, CVV, and 3-D Secure.Read the page 3-D SecureExplains how 3-D Secure authentication works to prevent e-commerce fraud by verifying cardholder identity with the issuing bank.Read the page Enhanced dataExplains how to add enhanced data to card payments and qualify for lower interchange rates.Read the page