Card payments

Bank cards are the most widely used online payment method worldwide. Cards linked to bank debit or credit accounts allow customers to complete online payments by entering card information at checkout. Onerway initiates transaction requests through card networks to complete the payment flow.

Overview

Card payments allow customers to complete purchases using their credit or debit cards online. Customers enter card information (card number, expiry date, CVV, etc.) at checkout, and the system verifies and processes the transaction through the card network.

How customers pay with cards

1. Select card payment: Customer chooses card as the payment method at checkout
2. Enter card details: Customer inputs credit card information (card number, expiry date, security code)
3. Complete verification: Depending on the card network and region, 3D Secure authentication may be required
4. Confirm payment: After verification passes, the transaction completes and the customer receives a payment success notification

Payment flows

Onerway supports two card payment modes:

Direct payment

Direct payment refers to a payment flow completed within the same platform or application, without redirecting the user to external third-party pages.

Flow steps:

1. Checkout: Customer completes shopping on the e-commerce website or app and clicks the "Pay" button
2. Enter payment information: User directly inputs payment information within the current application or website
3. Transaction verification: The system verifies payment information; some transactions may require 3D Secure authentication
4. Complete transaction: Once payment information is verified and approved, the transaction is considered complete
5. Real-time notification: Order status and related notifications are updated in real-time

Token payment

Token payment allows customers to save card information for faster checkout in subsequent purchases.

Token payment features:

• Customers can choose to save their card during the first payment
• Subsequent payments can directly select from the list of saved cards
• Supports separating card binding from payment, or completing both in one step
• Improves checkout experience for returning customers

Supported card brands

Onerway supports the following major card brands:

Card feature support

How card payments work

Payment process

Card payments involve the following key steps:

Check card information

The system checks whether the provided information is correctly formatted (e.g., card number format, valid expiry date). This step validates the information format but does not guarantee the card itself is valid.

Customer authentication (3D Secure)

Certain transactions may require 3D Secure authentication, such as SMS verification codes or other forms of identity verification. This is part of Strong Customer Authentication (SCA) requirements to enhance transaction security.

Authorization

The bank checks whether sufficient funds are available. If successful, the corresponding amount is frozen in the customer's account, guaranteeing the payment can be completed.

Capture

Funds flow from the issuing bank to the merchant account, completing the transaction cycle.

Direct payment characteristics

• No redirect: Users complete payment entirely within the merchant website/app
• Full control: Merchants have complete design control over the payment interface
• 3DS support: Supports 3D Secure authentication for enhanced security
• Real-time feedback: Payment status updates in real-time

Integration

Onerway provides WebSDK and API integrations for card payments

Payment type description