Credit & Debit Cards

Accept Visa, Mastercard, and JCB credit and debit cards globally with built-in fraud protection and 3D Secure authentication.

Overview

Information Accuracy

Payment method features, limits, user statistics, and fees are subject to change. Information is based on publicly available sources and may not reflect your specific merchant agreement. Always refer to official Omise documentation and your merchant dashboard for current, binding information.

Credit and debit card payments are the most widely used online payment method globally. Omise supports all major card networks with seamless checkout experiences.

Supported Card Networks:

• ✅ Visa - Credit and debit cards
• ✅ Mastercard - Credit and debit cards
• ✅ JCB - Credit cards (popular in Japan)
• ✅ Diners Club (select regions)
• ✅ Discover (select regions)

Key Features:

• 🌍 Global acceptance - Works worldwide
• 🔒 3D Secure - Enhanced security with SCA
• 💳 Save cards - Tokenization for recurring payments
• 🛡️ Fraud protection - Built-in fraud detection
• 📱 Mobile optimized - Works on all devices
• 🔄 Refund support - Full and partial refunds

Supported Regions

Cards work globally, with specific features by region:

Feature	Thailand	Singapore	Malaysia	Japan	Global
Visa	✅	✅	✅	✅	✅
Mastercard	✅	✅	✅	✅	✅
JCB	✅	✅	✅	✅	✅
3D Secure	✅	✅	✅	✅	✅
Save Cards	✅	✅	✅	✅	✅

Quick Start

For detailed card payment implementation, see:

• Charging Cards - Complete guide
• Collecting Cards - Secure card collection
• 3D Secure - Strong Customer Authentication
• Saved Cards - Card tokenization

Implementation

Basic Card Charge

Node.js

const omise = require('omise')({
    publicKey: 'pkey_test_YOUR_PUBLIC_KEY',
    secretKey: 'skey_test_YOUR_SECRET_KEY'
});

// Step 1: Create card token (client-side with Omise.js)
// This is done securely in the browser

// Step 2: Create charge (server-side)
const charge = await omise.charges.create({
    amount: 100000,  // Amount in smallest unit
    currency: 'THB',
    card: 'tokn_test_...', // Token from step 1
    description: 'Order #12345',
    return_uri: 'https://yourdomain.com/payment/callback'
});

if (charge.authorize_uri) {
    // 3D Secure required - redirect customer
    res.redirect(charge.authorize_uri);
} else if (charge.status === 'successful') {
    // Payment successful
    res.redirect('/success');
}

PHP

<?php
$charge = OmiseCharge::create(array(
    'amount' => 100000,
    'currency' => 'THB',
    'card' => 'tokn_test_...',
    'description' => 'Order #12345',
    'return_uri' => 'https://yourdomain.com/payment/callback'
));

if ($charge['authorize_uri']) {
    header('Location: ' . $charge['authorize_uri']);
} else if ($charge['status'] === 'successful') {
    header('Location: /success');
}
?>

Transaction Limits

Typical limits (varies by merchant agreement):

Transaction Type	Minimum	Maximum
Single Transaction	$0.50 USD	$50,000 USD
Per Card Per Day	-	$100,000 USD
Monthly Volume	-	Varies by merchant

Features

3D Secure (SCA)

All card payments support 3D Secure 2.0 for Strong Customer Authentication:

• Visa: Visa Secure
• Mastercard: Mastercard Identity Check
• JCB: J/Secure

See 3D Secure Guide

Card Tokenization

Save cards securely for:

• Recurring payments
• Subscription billing
• One-click checkout

See Saved Cards Guide

Fraud Protection

Built-in fraud detection:

• Velocity checks
• IP geolocation
• Card BIN validation
• Suspicious pattern detection

See Fraud Protection

Refund Support

Full and partial refunds supported within 180 days:

// Full refund
await omise.charges.refund('chrg_test_...', {
    amount: 100000
});

// Partial refund
await omise.charges.refund('chrg_test_...', {
    amount: 50000
});

Best Practices

1. Always use HTTPS - Required for PCI compliance
2. Use Omise.js - Never send card data to your server
3. Enable 3D Secure - Reduces fraud and liability
4. Validate client-side - Check card format before submission
5. Handle declines gracefully - Show clear error messages
6. Save cards securely - Use tokenization, never store raw card data

FAQ

Which card types are supported?

Visa, Mastercard, and JCB credit and debit cards globally. Diners Club and Discover in select regions.

Is 3D Secure mandatory?

3D Secure is required for European cards (SCA regulation) and highly recommended for all transactions to reduce fraud.

Can I save cards for future payments?

Yes, use card tokenization to securely save cards for recurring payments and subscriptions.

How long can I refund card payments?

Full and partial refunds are supported within 180 days of the original transaction.

Related Resources

• Charging Cards - Full implementation guide
• Collecting Cards - Secure collection
• 3D Secure - Authentication setup
• Saved Cards - Tokenization
• Apple Pay - Mobile wallet alternative
• Google Pay - Mobile wallet alternative

Next Steps

1. Review Charging Cards guide
2. Integrate Omise.js for secure card collection
3. Implement 3D Secure authentication
4. Test with test cards
5. Set up fraud protection
6. Go live