PaymentsCard processing

Card processing overview

Mangopay offers a range of card payment features and integration options.

Brands and currencies

Mangopay supports the following card brands and currencies, defined by the CardType parameter.

BrandCardTypeCurrencies
Mastercard
International		CB_VISA_MASTERCARDSee the currencies page for details
Visa
International
CB
France
AMEX
International		AMEXSee the currencies page for details
Maestro
International		MAESTROEUR
Bancontact
Belgium		BCMCEUR

Activation

The card brands available to your platform are defined during contracting. Offering American Express involves additional eligibility criteria and a contract addendum. The Bancontact integration using the CardType above is one of two options available, see the Bancontact guide for more details.

Contact Mangopay via the Dashboard for more information.

Card registration

Processing card payments with Mangopay involves passing sensitive card details to a dedicated tokenization server to generate a CardId.

1

Initiate card tokenization

Call the POST Create a Card Registration endpoint to initiate the flow and obtain a secure URL to which you can send card details.

2

Tokenize the card

Send the cardholder’s sensitive data directly to the tokenization server, without passing yours or Mangopay’s, thanks to the POST Tokenize the card endpoint.

3

Update the card registration object

Send the RegistrationData received from the tokenization server via PUT Update a Card Registration to generate a CardId.

4

Use the card object for a payment flow

Use the CardId to call the Mangopay API to initiate a one-time, recurring, or preauthorized card payment flow.

5

Deactivate the card

Deactivate the card if you don’t have the user’s permission to save their payment details. You can follow the same tokenization process for a future payment.

This process involves two distinct API objects:

  • Card Registration - The object to safely tokenize the card and create the Card object.
  • Card - The tokenized version of the card, whose CardId will allow you to make payments.

For more detailed guidance, see the how-to guide for one-time payments.

Best practice – Use Checkout SDK

The Mangopay Checkout SDK takes care of card tokenization for you, and simplifies your integration for cards and other payment methods.

Learn more →

Payment flows

Once the card is tokenized, a number of payment flows are available depending on the CardType.

One-time card payment

Allow a user to pay once, and save their card details for future payments if you have permission.

Availability:

  • All card types
Direct card pay-in

Process a one-time card payment with a registered card

Validation without debit

Check the validity of a card, including 3DS authentication, without requesting payment.

Availability:

  • CB_VISA_MASTERCARD only
Card validation

Validate a card without debiting it

Recurring card payments

Set up a subscription, installments, or other recurring card transactions.

Availability:

  • CB_VISA_MASTERCARD
  • AMEX
Recurring card payments

Set up and process subscriptions and installment payments

7-day preauthorization

Authorize and reserve funds on a card to be captured later, at one time or in multiple captures.

Availability:

  • CB_VISA_MASTERCARD – Partial and multiple captures
  • AMEX – Partial and multiple captures
  • MAESTRO – Full capture only (not partial or multiple)
Preauthorization (7 days)

Secure funds for 6.5 days and charge the card with one or multiple captures

30-day preauthorization

Authorize and reserve funds on a card to be captured later, including a complement in addition to the preauthorized amount.

Availability:

  • CB_VISA_MASTERCARD
  • AMEX
Deposit preauthorization (30 days)

Secure funds for 29.5 days and capture the preauthorized amount and/or a complement

3DS

Redirection for cardholder authentication, using the 3DS protocol, is applicable to all card payment flows.

Co-branded cards

In certain regions and countries, regulations require you to give the user the choice of card network to be used if they are paying with a co-branded card.

Refunds

Refunds are supported on all card brands and for all pay-in flows within 11 months of the initial pay-in. For more information on processing refunds, see the Refunds guide.

Chargebacks and disputes

All card pay-ins may be subject to a chargeback, which is when the end user opposes a payment with their issuing bank. When a chargeback occurs, a dispute is created which may be contestable. For more information, see the Disputes guide.

Test cards

Use test cards in Sandbox

Guide

See all payment methods