Credit card payment with secupay
Payments by credit card are not only safe but also convenient. Many customers have their credit card data stored in browsers like Chrome and Safari. This way, the card data can be transferred directly from the respective wallet to the input mask. After the introduction of the 2nd version of 3Dsecure, approval in the credit card provider's online banking app is often sufficient to approve a credit card payment with strong customer authentication. In our opinion, this process is more convenient than PayPal payment with TAN entry.
secupay has also implemented all options to use exemptions from 2-factor authentication. We perform a risk analysis before each transaction. If we consider the risk to be low, or if the payment is for a small amount, we submit the transaction with what is known as a TRA or LVP exemption. As a rule, the issuer of the credit cards accepts this exemption, and the customer does not need to enter any additional TANs.
For credit card payments, we support recurring payments, subscription management and pre-authorization validity extension.
Advantages of the secupay credit card statement
- Conversion rate improvement through exceptions to 2-factor authentication
- TRA - Transaction Risk Analysis
- LVP - Low-Value Payments
- Optional chargeback management
- 1-click payment in store modules and via API
- Support for recurring payments
Transaction procedure for credit cards
Order or payment process
After selecting the credit card payment method and submitting the transaction and customer data, we deliver a link to display a modal or iFrame for entering the payment data. Alternatively, the credit cards can be input into our js snippet and encrypted. If the authorization is successful, the customer is forwarded directly to the store’s order confirmation page.