Getting Started

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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).


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

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]