> For clean Markdown of any page, append .md to the page URL. > For a complete documentation index, see https://docs.mangopay.com/guides/payment-methods/card/llms.txt. > For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.mangopay.com/_mcp/server. # Card processing ## Docs - [Overview](https://docs.mangopay.com/guides/payment-methods/card/direct.md) - [How to process a card payment](https://docs.mangopay.com/guides/payment-methods/card/direct/how-to.md): Make a card payment to get funds into a Mangopay wallet - [Overview](https://docs.mangopay.com/guides/payment-methods/card/recurring.md): Understand recurring card payments and how they work, with customizable options for subscriptions and installments. - [How to process a recurring card payment](https://docs.mangopay.com/guides/payment-methods/card/recurring/how-to.md): Step-by-step guide to processing recurring card payments, with flexible options for subscriptions and installments. - [Overview](https://docs.mangopay.com/guides/payment-methods/card/preauthorization.md): Find out about Mangopay’s preauthorization features to reserve funds on a card to be captured later, with 7-day or 30-day options. - [How to process a 7-day card preauthorization](https://docs.mangopay.com/guides/payment-methods/card/preauthorization/how-to.md): Step-by-step guide to preauthorizing funds on a card, then making one or multiple captures and releasing the hold on the remaining funds. - [30-day preauth](https://docs.mangopay.com/guides/payment-methods/card/deposit-preauthorization.md): How to place a hold on a card and capture the amount within 30 days. - [Overview](https://docs.mangopay.com/guides/payment-methods/card/validation.md): Understand how the card validation feature can benefit your platform and your users by asking the user to authenticate themselves without processing a payment. - [How to validate a card without debiting a payment](https://docs.mangopay.com/guides/payment-methods/card/validation/how-to.md): Step-by-step guide to validating a user's card without debiting a transaction, allowing you to provide a better registration experience. - [3DS](https://docs.mangopay.com/guides/payment-methods/card/3ds.md): Learn about the 3D Secure protocol, the multi-factor authentication for online card payments. - [Co-branded cards](https://docs.mangopay.com/guides/payment-methods/card/co-branded.md): Learn more about managing co-branded payment cards with Mangopay. - [Card fingerprint](https://docs.mangopay.com/guides/payment-methods/card/fingerprint.md) - [Address verification system](https://docs.mangopay.com/guides/payment-methods/card/avs.md): Learn about how to leverage Mangopay’s card anti-fraud features, including unique card fingerprints and an address verification system for enhanced security in only payments. > **Note:** This page contains both a page directory (above) and the landing page content (below). The page directory is generated for agent use and does not appear on the landing page. > For clean Markdown of any page, append .md to the page URL. > For a complete documentation index, see https://docs.mangopay.com/guides/payment-methods/card/llms.txt. > For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.mangopay.com/_mcp/server. # 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. `CB_VISA_MASTERCARD` See the [currencies](/guides/currencies) page for details
Brand `CardType` Currencies
**Mastercard** \ International
**Visa** \ International
**CB** \ France
**AMEX** \ International `AMEX` See the [currencies](/guides/currencies) page for details
**Maestro** \ International `MAESTRO` EUR
**Bancontact** \ Belgium `BCMC` EUR
## 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](/guides/payment-methods/bancontact#legacy-integrations) for more details. Contact Mangopay [via the Dashboard](https://hub.mangopay.com/) for more information. ## Card registration Processing card payments with Mangopay involves passing sensitive card details to a dedicated tokenization server to generate a `CardId`. #### Initiate card tokenization Call the [POST Create a Card Registration](/api-reference/card-registrations/create-card-registration) endpoint to initiate the flow and obtain a secure URL to which you can send card details. #### 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](/api-reference/card-registrations/tokenize-card) endpoint. #### Update the card registration object Send the `RegistrationData` received from the tokenization server via [PUT Update a Card Registration](/api-reference/card-registrations/update-card-registration) to generate a `CardId`. #### 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. #### 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](/api-reference/card-registrations/card-registration-object) - The object to safely tokenize the card and create the Card object. * [Card](/api-reference/cards/card-object) - 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](/guides/payment-methods/card/direct/how-to). > **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. > > [Learn more →](/sdks/checkout) ## 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](/guides/payment-methods/card/direct) 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](/guides/payment-methods/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](/guides/payment-methods/card/recurring) 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)](/guides/payment-methods/card/preauthorization) 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)](/guides/payment-methods/card/deposit-preauthorization) Secure funds for 29.5 days and capture the preauthorized amount and/or a complement ## 3DS Redirection for cardholder authentication, using the [3DS protocol](/guides/payment-methods/card/3ds), 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](/guides/payment-methods/card/co-branded). ## 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 #### [Test cards](/testing/payment-methods) Use test cards in Sandbox #### [Guide](/guides/payment-methods) See all payment methods