Payment
Credit Card

Credit Card Feature

9min

There are several  features that you can use, including:



Full Payment



Full  is the basic feature of  payment methods bearing  Visa, Mastercard, JCB, and American Express logos. The regular sale means   uses a  as a source of funds. The bill will cut  's  limit and will bill in full according to  's  billing cycle.

If   uses a Debit Card,   will deduct from  's Debit Card  in  full amount. Merchants will receive  funds according to    cycle.



Installment



Installment is a  feature that provides installment services to your Customers with several installment tenor options. Merchants do not need to collect  installments and continue to receive funds in full according to    cycle. The Installment feature is available for payment methods using Credit Cards bearing Visa, Mastercard, JCB, and Amex logos.





Recurring



Recurring or what is also known as a subscription is a recurring  that bills cardholders for a particular time. This feature can use for cardholders who have Debit or  types.



Pre-Authorization & Capture



Pre-Authorization & Capture is a  feature that allows you to confirm in advance the fund's amount transacted by your Customers (pre-authorization). Once authorized,  funds from your  are guaranteed to be ready to be deducted. Then  funds will be held until the authorization  expires. If  authorization has expired,  guaranteed funds will be considered void.

Void is a type of  that isn't completed in  . The void can occur if  cardholder asks to cancel the transactions before    occurs or if   does not   capture until  expiration date. Funds from transactions considered void will be fully returned to  cardholder by  .

To avoid these voids, you are required to  with  capture  or confirm that the funds are following  amount billed. After  capture  is complete,  funds will send to your  account.

This  occurs automatically at   Gateway, where requests sent by   Gateways are used to complete transactions that were previously authorized. Here,  makes it easy for Merchants by providing an  that can use to activate  Pre-Authorization & Capture process in  's  .



3D Secure 2.0



Credit Cards at  are also already equipped with international standard security features, namely 3D Secure 2.0 (3Ds 2.0) or also known as EMV (Europepay, Mastercard, Visa) on Visa, Mastercard, JCB, and AMEX cards.

3Ds 2.0 is  latest  security standard version of 3Ds 1.0 which allows cardholders to obtain identity verification in  form of an OTP (One Time Password) to a registered cell phone number during   . It is done to prevent attempts at  theft and fraudulent acts when transacting with Credit Cards.

Thus you don't need to worry anymore about  issue of fraud or crime under  guise of a  because   at  already meets international standards such as 3Ds 2.0 and is equipped with PCI DSS Level 1.



Tokenization



 also provides a tokenization feature that allows your Customers to make transactions without having to fill in card  and personal  apart from  CVV code at .

This feature is very useful for your loyal Customers who have already shopped with you to reduce their  time where they aren't required to fill in card  repeatedly during each  . That way your Customers will feel comfortable to continue shopping with you.



See also

  Credit Card Payment Flow  to find out    during  with  .

  Credit Card Integration & Testing  to find out how to perform  and  of    .

  Credit Card Glossary  to find out  particular term used on .

  Credit Card FAQ  if you want to find out frequently asked questions related to .