Card payments, engineered for approval.
One integration for Visa and Mastercard credit and debit acceptance, 3-D Secure, tokenization and the routing logic that decides where each authorization goes. Card acceptance is delivered through supported acquiring partners and routes.
The card stack, without the card projects
Most card problems are not integration problems. They are authorization problems: a declined transaction that another route would have approved, a stored credential that expired, a 3-D Secure challenge applied where it was not needed. Flowa Pay separates the card integration you build once from the acquiring, authentication and routing decisions that change constantly underneath it.
From request to reconciled
Collect
The cardholder pays on a hosted page, an embedded component or your own form posting server-to-server. Card data is captured in a Flowa Pay-controlled surface so the primary account number does not transit your servers.
Authenticate
3-D Secure 2 runs where the transaction, the market or the scheme rules require it. Exemption and frictionless paths are used where they are available on the route in play.
Authorize
The routing engine selects an acquiring route by currency, country, BIN, method and provider health, then submits the authorization and returns an immediate decision.
Recover
Soft declines are retried on schedule or cascaded to an alternative route where scheme and partner rules allow it, rather than being surfaced to the cardholder as a failure.
Capture & settle
Capture immediately or later for delayed fulfilment, then reconcile each capture, refund and chargeback to the settlement that paid it.
What card payments covers
Visa & Mastercard
Credit and debit acceptance on both schemes through supported acquiring partners and routes, with scheme rules applied per market.
Credit & debit cards
Consumer and commercial credit, debit and prepaid product types, with BIN-level attributes available to routing and risk rules.
3-D Secure / 3DS2
EMV 3-D Secure 2 authentication with frictionless and challenge flows, and exemption handling where the route and jurisdiction support it.
Tokenization
Card numbers are exchanged for Flowa Pay tokens at capture. Your systems store the token; the sensitive value stays inside the payment environment.
Network tokens
Scheme network tokens and credential lifecycle updates, where the acquiring route and scheme programme make them available, so stored cards survive reissue and expiry.
Card-on-file & one-click
Store a credential against a customer for one-click repeat checkout, with the scheme-required initiation indicators set on every subsequent transaction.
Recurring payments
Merchant-initiated transactions for subscriptions and instalments, correctly flagged as recurring so issuers treat them as expected activity.
Hosted payment page
A Flowa Pay-hosted checkout you redirect to. Fastest route to live and the lightest compliance footprint.
Embedded checkout
Drop-in components that keep the customer on your domain while card fields remain in an isolated payment surface.
Headless & API payments
Server-to-server payment creation for teams that own the entire interface and want the card flow behind their own API.
Local acquiring
Domestic routes in supported markets, which typically improve issuer approval rates and reduce cross-border cost. Delivered through supported acquiring partners.
Cross-border acquiring
International acceptance where a domestic route is not available or not commercially sensible for your volume in that market.
Multi-currency processing
Present and process in the customer's currency while settling in the currencies you operate in.
Authorization optimisation
BIN-aware routing, retry scheduling, data enrichment and credential freshness all applied to the same goal: fewer avoidable declines.
Smart retries
Declines are classified, and only those that are genuinely retryable are retried, on a schedule tuned to the decline reason.
Cascading
A failed authorization can be re-presented to an alternative acquiring route in real time, where scheme and partner rules permit.
Transaction routing
Rules on currency, country, BIN, amount, method and provider health decide the route for every single authorization.
Fraud & risk controls
Velocity limits, allow and block lists, BIN and country rules and screening run before the authorization is submitted.
Why teams choose it
- Fewer avoidable declines. Routing, retries, cascading and credential freshness attack the four most common causes of a lost approval.
- One integration, many routes. Add an acquiring route or a market without changing your checkout code.
- A smaller compliance surface. Card data is captured in a Flowa Pay-controlled surface, so your systems hold tokens rather than card numbers.
- Decisions you can audit. Every authorization records the route taken, the decision returned and the rule that selected it.
How you connect
- Hosted payment page: redirect, lightest compliance footprint, fastest to live.
- Embedded checkout: drop-in fields hosted in an isolated payment surface on your page.
- Headless / server-to-server: full control of the interface through the REST API.
- Mobile: the same API and hosted surfaces from native applications.
What you can accept
- Visa credit & debit
- Mastercard credit & debit
- Card-on-file credentials
- Network tokens where available
- Wallet-tokenized cards via Apple Pay and Google Pay
Availability depends on merchant category, jurisdiction, underwriting and the applicable payment or acquiring partner.
How it is controlled
- Card data is captured in a Flowa Pay-controlled payment surface and exchanged for a token.
- 3-D Secure 2 is supported for strong customer authentication where it is required.
- Encryption in transit and at rest, with scoped API credentials per environment.
- PCI DSS alignment is described on the Security page, including what is complete and what is in progress.
Flowa Pay provides the payment technology and orchestration layer. Acquiring, scheme settlement and regulated payment services are provided by licensed acquiring and payment partners under their own authorisations.
Common questions
No. Flowa Pay is the payment technology and orchestration layer. Card acceptance is delivered through supported acquiring partners and routes, each operating under its own authorisations.
Local and cross-border routes are confirmed per merchant during onboarding. Availability depends on merchant category, jurisdiction, underwriting and the applicable acquiring partner, so we scope it against your actual corridors rather than publishing a blanket list.
No. Cards are captured in a Flowa Pay-controlled surface and returned to you as a token. Your systems reference the token for repeat charges and refunds.
It can, which is why it is applied according to the rules in play rather than universally. Where the route and jurisdiction support exemptions and frictionless authentication, those paths are used.
Declines are classified by reason. Hard declines stop. Soft declines are retried on a reason-specific schedule, or cascaded to an alternative route in real time where scheme and partner rules allow.
Ready to put card payments to work?
Talk to our team about your corridors, your volumes and the routes that fit your business.