Cards [All regions]
Who is this for - Product managers, business owners, and stakeholders who want to understand card payments
Outcome - Understand how card payments work, the supported card networks, the regions where they are available, and the supported transaction actions (refund, void, and capture)
Last Updated Date - July 29, 2026
Card payments offer you trusted payment methods, enabling your customers to pay securely using debit and credit cards. Paymob supports card payments across major international and local schemes, delivering secure processing and high authorization rates.
Supported Card Networks
EGY: VISA, Mastercard, Amex (Conditional; coordinate with the account manager to enable)
KSA: VISA, Mastercard, Amex, and MADA
UAE: VISA, Mastercard, Amex
OMN: VISA, Mastercard, Amex, and Omannet
Supported for Regions
It's supported in all regions (EGY, KSA, UAE, OMN)
Card Payment Types
Normal 3DS
The customer completes 3D Secure authentication (e.g., a bank OTP) during checkout.
Moto
A transaction where the card is not physically present, typically used for back-to-back requests without customer interaction. Passes OTP and CVV.
Card On File
A payment using card details securely stored by the merchant after an initial transaction. Used for faster future checkouts. Passes OTP only.
Auth/Cap (Authorization and Capture)
A two-step process where funds are first authorized (reserved) and then later captured (settled). Commonly used when fulfilling orders takes time.
Verification
A transaction that validates a card's details and available balance without transferring funds or authorizing (reserving) funds. Used to check card validity before real future charges using Moto or Verification.
Supported Payment Actions
Void for all types
Refund (Full/Partial) for all types
Capture (Full/Partial) for Auth/Cap
Supported Integration Channels
The Card payment method can have both test and Live integration IDs.
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- Cards [All regions]