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 detail on the combined set of card brands / schemes referenced across our APIs. Note that not all APIs will necessarily support all card schemes.

Value
(paymentMethod...
...paymentCard.brand)
Description
AMEXClosed-loop payment scheme named American Express
DINERS/DISCOVERCard brand owned by Discover
EFTPOSCard brand used in Australia
JCBInternational payment brand based in Japan, works with Discover and AMEX
MAESTROBrand of debit cards owned by Mastercard
MASTERCARDSecond most common card scheme supported almost everywhere
RUPAYGlobal payment network based in India
VISAMost 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
BLIKMobile / instant payment system used in Poland
E-TRANSFERMobile payment in Poland called Token Banking
PAYPALMost widely used digital wallet
POSTFINANCE_CARDMost common alternative payment method in Switzerland
POSTFINANCE_EFMost common alternative payment method in Switzerland
POSTFINANCE_PAYMost common alternative payment method in Switzerland
(will replace the other Postfinance methods in the future)
SAMSUNG_PAYEncrypted SamsungPay transaction and web SDK support
VISA_MOBILEVisa owned digital wallet (only available in Poland)

China Domestic Payment Methods

πŸ“˜

only available in APAC region

Value
(brand)
Description
ALIPAY_DOMESTICMobile / digital wallet in China
CUP_DOMESTICMobile / digital wallet in China
WECHAT_DOMESTICMobile / digital wallet in China

SEPA Payment

πŸ“˜

only available in EMEA region

Value
(paymentMethod)
Description
sepaobject with sub elementsSEPA direct debit payment

Wallet Payment Methods

Value (walletPaymentMethod)Description
EncryptedGooglePayWalletPaymentMethodEncrypted GooglePay transaction
EncryptedApplePayWalletPaymentMethodEncrypted ApplePay transaction
DecryptedApplePayWalletPaymentMethodDecrypted ApplePay transaction
DecryptedGooglePayWalletPaymentMethodDecrypted GooglePay transaction
DecryptedSamsungPayWalletPaymentMethodDecrypted SamsungPay transaction

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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


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