Credit Card
About Credit Card
Credit Card is a payment tool that is used as a substitute for cash and issued by the Bank Issuer as a card issuer on the Customer's request used in the daily transactions process.
The value and volume of online Credit Card payment transactions have increased significantly in recent years. Based on a report by Bank Indonesia (BI) for June 2021 - June 2022 period, the value of transactions using the Credit Card payment method has reached IDR 26.62 trillion, with an average transaction of nearly 28 million transactions per month.
It proves that payments using Credit Card in online businesses are easy, fast, and safe for Indonesian Customers. NICEPAY has gained the trust of Merchants in serving smooth and secure Credit Card payment, so don't worry about Partnering with NICEPAY.
NICEPAY also receive Debit Card payment through the same API with the Credit Card.
Advantages of Using the NICEPAY Credit Card Payment Method
- Have multiple payment support easily both local and international. NICEPAY is supported by Visa, Mastercard, JCB, and American Express, already certified with PCI DSS Level 1.
- For your information, you need to have a PCI DSS certificate for your business to make Credit Card transactions online. But you don't need to worry because NICEPAY is officially PCI DSS certified, so you don't need to apply for PCI DSS certification to make Credit Card online transactions.
PCI DSS (Payment Card Industry Data Security Standard) is an information security standard for companies that handle payment processes via Credit Card and their networks. This PCI DSS standard is required to be complied with by the Payment Card Industry Security Standards Council. There are 4 types of levels for PCI DSS where level 1 is the highest level for the security level validation type..
- Various Credit Card Feature are available starting from Full Payment, Installment, Recurring, Pre-authorization & Capture, and Tokenization.
- Protection with FDS (Fraud Detection System), early fraud detection for your online payment transactions.
- The Credit Card payment method at NICEPAY equips with the 3DS (three domain secure) 2.0 feature, which is supported by Visa Secure, Mastercard Identity Check, American Express Safety Key, and J/Secure, which are security protocols that can protect against fraud in online transactions through OTP authentication with card holders.
- The Customer also have the option of making transactions without inputting an OTP.
- Monitoring all Credit Card transactions in your business easily through Merchant Back Office.
See also
Visit the API Credit Card page to find out detail API that being used on Credit/Debit Card payment.