> ## Documentation Index
> Fetch the complete documentation index at: https://docs.mangopay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# 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.

<table>
  <tbody>
    <tr>
      <th class="header">Brand</th>
      <th class="header">`CardType`</th>
      <th class="header">Currencies</th>
    </tr>

    <tr>
      <th class="header header-normal-weight">**Mastercard**<br />International</th>
      <td rowSpan="3" class="row-span table-content">`CB_VISA_MASTERCARD`</td>
      <td rowSpan="3" class="row-span table-content">See the <a href="/guides/currencies">currencies</a> page for details</td>
    </tr>

    <tr>
      <th class="header header-normal-weight">**Visa**<br />International</th>
    </tr>

    <tr>
      <td class="header header-normal-weight">**CB**<br />France</td>
    </tr>

    <tr>
      <td class="header header-normal-weight">**AMEX**<br />International</td>
      <td class="table-content">`AMEX`</td>
      <td class="table-content">See the <a href="/guides/currencies">currencies</a> page for details</td>
    </tr>

    <tr>
      <td class="header header-normal-weight">**Maestro**<br />International</td>
      <td class="table-content">`MAESTRO`</td>
      <td class="table-content">EUR</td>
    </tr>

    <tr>
      <td class="header header-normal-weight">**Bancontact**<br />Belgium</td>
      <td class="table-content">`BCMC`</td>
      <td class="table-content">EUR</td>
    </tr>
  </tbody>
</table>

## Activation

The card brands available to your platform are defined during contracting. Offering American Express involves additional eligibility criteria, which are [available here](/guides/payment-methods/card/amex), and a contract addendum. The Bancontact integration using the `CardType` above is one of two options available, see the [Bancontact guide](/guides/payment-methods/bancontact#legacy-integrations) for more details.

Contact Mangopay <a href="https://hub.mangopay.com/" target="_blank">via the Dashboard</a> for more information.

## Card registration

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

<Steps>
  <Step title="Initiate card tokenization">
    Call the <a href="/api-reference/card-registrations/create-card-registration" target="_blank">POST Create a Card Registration</a> endpoint to initiate the flow and obtain a secure URL to which you can send card details.
  </Step>

  <Step title="Tokenize the card">
    Send the cardholder's sensitive data directly to the tokenization server, without passing yours or Mangopay's, thanks to the <a href="/api-reference/card-registrations/tokenize-card" target="_blank">POST Tokenize the card</a> endpoint.
  </Step>

  <Step title="Update the card registration object">
    Send the `RegistrationData` received from the tokenization server via <a href="/api-reference/card-registrations/update-card-registration">PUT Update a Card Registration</a> to generate a `CardId`.
  </Step>

  <Step title="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.
  </Step>

  <Step title="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.
  </Step>
</Steps>

This process involves two distinct API objects:

* <a href="/api-reference/card-registrations/card-registration-object">Card Registration</a> - The object to safely tokenize the card and create the Card object.
* <a href="/api-reference/cards/card-object">Card</a> - The tokenized version of the card, whose `CardId` will allow you to make payments.

For more detailed guidance, see the <a href="/guides/payment-methods/card/direct/how-to">how-to guide for one-time payments</a>.

<Check>
  **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.

  <a href="/sdks/checkout">Learn more →</a>
</Check>

## 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

<Card title="Direct card pay-in" href="/guides/payment-methods/card/direct">
  Process a one-time card payment with a registered card
</Card>

### Validation without debit

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

**Availability:**

* `CB_VISA_MASTERCARD` only

<Card title="Card validation" href="/guides/payment-methods/card/validation">
  Validate a card without debiting it
</Card>

### Recurring card payments

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

**Availability:**

* `CB_VISA_MASTERCARD`
* `AMEX`

<Card title="Recurring card payments" href="/guides/payment-methods/card/recurring">
  Set up and process subscriptions and installment payments
</Card>

### 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)

<Card title="Preauthorization (7 days)" href="/guides/payment-methods/card/preauthorization">
  Secure funds for 6.5 days and charge the card with one or multiple captures
</Card>

### 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`

<Card title="Deposit preauthorization (30 days)" href="/guides/payment-methods/card/deposit-preauthorization">
  Secure funds for 29.5 days and capture the preauthorized amount and/or a complement
</Card>

## 3DS

Redirection for cardholder authentication, using the <a href="/guides/payment-methods/card/3ds">3DS protocol</a>, 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 <a href="/guides/payment-methods/card/co-branded">co-branded card</a>.

## 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](/guides/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](/guides/disputes) guide.

## Related resources

<CardGroup>
  <Card title="Test cards" href="/testing/payment-methods">
    Use test cards in Sandbox
  </Card>

  <Card title="Guide" href="/guides/payment-methods">
    See all payment methods
  </Card>
</CardGroup>