SCT08 - Usage of External Bank Cards

Integration with external card networks for payment processing, enabling card-based transactions on your platform.

Overview

This capability enables your platform to accept and process payments from external bank cards, including credit, debit, and prepaid cards from major card networks.

Features

Feature	Description
Card Registration	Secure card enrollment and storage
Transaction Processing	Process card payments and refunds
3D Secure	Strong customer authentication (SCA)
Recurring Payments	Subscription and recurring billing
Card Tokenization	Secure card data storage

Supported Card Networks

Network	Card Types
Visa	Credit, Debit, Prepaid
Mastercard	Credit, Debit, Prepaid
American Express	Credit, Corporate
Discover	Credit, Debit
UnionPay	Credit, Debit

Configuration Options

Level	Card Types	Features
Basic	Limited (Visa, MC debit only)	Standard transaction limits
Standard	Full support	3D Secure, recurring payments
Advanced	All networks	Enhanced security, specialized cards

Card Processing Flow

Security Features

Feature	Description
PCI DSS Compliance	Full PCI DSS Level 1 certification
Tokenization	Card data replaced with secure tokens
3D Secure 2.0	Frictionless and challenge flows
Fraud Detection	Real-time fraud scoring
Velocity Controls	Transaction limits and velocity checks

Use Cases

E-commerce Payments: Online card payments
In-App Purchases: Mobile card transactions
Subscription Billing: Recurring card charges
Card-to-Wallet: Fund wallet from external card
Refunds: Return funds to original card

Integration with Other Capabilities

Capability	Integration
SCT03 - Country of Operation	Available card networks per country
SCT09 - Multi-Currency	Multi-currency card processing
SCT11 - Compliance	Card fraud monitoring

Subscription Tier Availability

Tier	Configuration Level
Starter	Not included
Professional	Standard
Enterprise	Advanced
Custom	Configurable

​SCT08 - Usage of External Bank Cards

​Overview

​Features

​Supported Card Networks

​Configuration Options

​Card Processing Flow

​Security Features

​Use Cases

​Integration with Other Capabilities

​Subscription Tier Availability