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 |