Credit Card Payments

Overview

VoPay's Credit Card integration allows you to accept credit card payments from customers across all major networks (Visa, Mastercard, Amex, Discover). Cards can be linked via an embedded iframe, charged, refunded, or voided. Multiple cards can be stored on file per account with a configurable default.

Key platform features:

• PCI compliant — VoPay collects and tokenizes all card data so merchants do not handle raw card numbers
• 3D Secure (3DS) — Supported on all card transactions
• Card verification — Basic and enhanced verification available (card type, limits, name and address match)
• Convenience fees — Interchange fees can be passed through to the cardholder
• Chargeback management — Chargeback UI and APIs are available
• Settlement — Typically T+1 business day after authorization; subject to card network dispute and chargeback rules

Use Cases

• E-Commerce Checkout — Accept one-time credit card payments from customers during online purchases.
• Card-on-File Billing — Store a customer's card and charge it on a recurring or on-demand basis without re-entry.
• Subscription Payments — Automate recurring charges for subscription-based products and services.
• Platform Fee Collection — Charge platform or service fees to users at the point of transaction.
• Refunds — Issue refunds directly back to the customer's original card when needed.

Settlement Times