# Cards

## Overview

Accept card payments through major card schemes and multiple acquiring options.

* Supported schemes: Visa, Mastercard, AMEX, JCB.
* Supports 3DS authentication for eligible transactions.
* Multiple acquirers are available. Contact Finpay for routing options.

## What we support

### Card schemes

Visa, Mastercard, AMEX, and JCB are supported.

### Transaction types

* One-time e-commerce payments.
* Recurring payments (subscription-style charging).

{% hint style="info" %}
Availability can vary by acquirer, merchant profile, and risk review.
{% endhint %}

### Authentication (3DS)

3DS adds an extra authentication step for the cardholder.

Use 3DS to reduce unauthorized transaction risk.

### Acquiring options

* Finpay can provide more than one acquirer option.
* This helps with you to choose your preferred acquirer based on the card schemes coverage and rates

## Payment flows

### Standard card payment flow (high level)

1. Customer enters card details on your checkout.
2. Finpay routes the transaction to the configured acquirer.
3. You receive the transaction result and show the outcome.

### 3DS flow (high level)

1. Customer is redirected or challenged for authentication.
2. Authentication result is returned to continue authorization.
3. Authorization result is returned to your checkout.

### Recurring payment flow (high level)

1. Customer completes the first payment and consent.
2. You trigger subsequent charges on the agreed schedule.
3. Each charge returns a success or failure result.

## Operations

### Settlement

Settlement timing and cut-offs depend on acquirer configuration.

See [Settlement and Refund](/payment-gateway/settlement-and-refund.md) for more information.

### Chargebacks

Chargebacks are managed under fraud and dispute handling processes.

Check [Chargeback Handling](/payment-gateway/fraud-handling/chargeback-handling.md) for more information.

## Onboarding checklist (business view)

* Confirm your merchant category and business model.
* Validate your checkout and customer communication flows.
* Decide if you require 3DS for all transactions or risk-based usage.
* Align on acquirer configuration and go-live timeline.

## Reporting and reconciliation

Use transaction statuses to reconcile payments end-to-end.

* [Payment Statuses](/report/payment-statuses.md)


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