Payment Methods
This page details how we categorize the types of payment used, known as the 'payment instrument' or 'payment method'.
There are many different forms of 'payment instrument'; the item or mechanism a party uses to pay another party. The main categories for these within our APIs are:
- Card - a physical or digital card entity, these will sit under a 'card scheme' such as Visa and contain information like a card number and expiry date, the data required and stored in this case follows a specific set of rules
- Alternative - an alternative form of payment, such as digit wallets like Google Pay or PayPal, or tokenized card data, the data stored here varies depending on the service used
Card Brands
See the following table for some examples on the combined set of card brands / schemes referenced across RESTful payment API.
| Value ( paymentMethod......paymentCard.brand)OR ( paymentToken.brand) | Description |
|---|---|
AMEX | Closed-loop payment scheme named American Express |
CUP | Union Pay International (fomer knwn as China Union Pay) |
DINERSCLUB | Card brand owned by Discover |
EFTPOS | Card brand used in Australia |
JCB | International payment brand based in Japan, works with Discover and AMEX |
MAESTRO | Brand of debit cards owned by Mastercard |
MASTERCARD | Second most common card scheme supported almost everywhere |
RUPAY | Global payment network based in India |
VISA | Most common card scheme supported almost everywhere |
Alternative Payment Methods
Examples of alternative payment methods (sometimes abbreviated to APM's) are as follows:
| Value ( paymentMethod.type) | Description |
|---|---|
BLIK | Mobile / instant payment system used in Poland |
E-TRANSFER | Mobile payment in Poland called Token Banking |
PAYPAL | Most widely used digital wallet |
POSTFINANCE_CARD | Most common alternative payment method in Switzerland |
POSTFINANCE_EF | Most common alternative payment method in Switzerland |
POSTFINANCE_PAY | Most common alternative payment method in Switzerland (will replace the other Postfinance methods in the future) |
SAMSUNG_PAY | Encrypted SamsungPay transaction and web SDK support |
VISA_MOBILE | Visa owned digital wallet (only available in Poland) |
China Domestic Payment Methods
only available in APAC region
| Value ( brand) | Description |
|---|---|
ALIPAY_DOMESTIC | Mobile / digital wallet in China |
CUP_DOMESTIC | Mobile / digital wallet in China |
WECHAT_DOMESTIC | Mobile / digital wallet in China |
SEPA Payment
only available in EMEA region
| Value ( paymentMethod) | Description |
|---|---|
sepaobject with sub elements | SEPA direct debit payment |
Wallet Payment Methods
Value (walletPaymentMethod) | Description |
|---|---|
EncryptedGooglePayWalletPaymentMethod | Encrypted GooglePay transaction |
EncryptedApplePayWalletPaymentMethod | Encrypted ApplePay transaction |
DecryptedApplePayWalletPaymentMethod | Decrypted ApplePay transaction |
DecryptedGooglePayWalletPaymentMethod | Decrypted GooglePay transaction |
DecryptedSamsungPayWalletPaymentMethod | Decrypted SamsungPay transaction |
For more payment brands please check the latest version of yaml file.
Along with the brand you will receive paymentMethodType and paymentMethodBrandunder PaymentMethodDetails in the response.
Example:
paymentMethodType = PAYMENT_CARD
paymentMethodBrand = VISA
Updated about 2 months ago
