Payment with debit and credit cards

Fast payment with a card, without intermediaries.

Payment by card in an online store is one of the most popular methods for making purchases online. It involves using a payment card, such as a debit, credit, or prepaid card, to finalize the transaction. This process occurs by entering the card details into the appropriate fields during the order checkout.

  • mastercard mastercard

    Mastercard Payments

    Enable your customers to make convenient Mastercard payments in your online store.

  • visa visa

    Visa Payments

    Let customers pay with Visa, one of the most popular online payment methods in the world.

Basic elements of card payment in an online store:

 

Payment by card in an online store offers convenience as it is quick and simple, as well as security due to advanced data protection and transaction security mechanisms.

Benefits for the online store

Increased convenience

Customers can quickly and easily complete purchases without the need to transfer funds.

Global reach

The ability to accept payments from various countries and currencies through international cards.

Security

Security measures such as EMV 3DS and anti-fraud monitoring minimize the risk of fraud.

Ability to handle recurring payments and subscriptions

An ideal solution for businesses based on regular payments.

European Card License

PayU holds a European card license that allows for the processing of card payments within the European Economic Area and Switzerland (31 markets).

Accepting Visa and Mastercard cards from any country

płatność gwarantowana

Supported currencies: EUR, USD, GBP, CHF, PLN, CZK, RON, HUF, SEK, NOK, DKK.

shopping

Support for e-commerce and m-commerce: tokenization, recurring payments, subscriptions.

niezawodnosc

Merchant support in models: payment facilitator, marketplace, payment gateways.

Card wallets – support for digital payments

Payouts to card: Visa Direct, Mastercard Send.

Own authorization and settlement center

icon

PCI DSS – international security certification

3D Secure 2.0

EMV 3D Secure – additional transaction security measures

Data tokenization – secure processing of information

Płatności odroczone

24/7 monitoring transakcji

Obsługujemy najpopularniejsze karty płatnicze na świecie

  • logo visa
  • mastercard logo
  • maestro logo

How does card payment work for buyers?

1. Product or service selection – The buyer selects the goods or services on the store’s website and proceeds to checkout.

 

2. Entering card details – The buyer provides their payment card information: card number, expiration date, and CVV code.

 

3. Sending data to the payment processor – The store transmits the transaction data to PayU, the payment operator that acts as an intermediary between the store and the bank.

 

4. Transaction authorization – PayU sends a request to the buyer’s bank to check whether sufficient funds are available and whether the card is active.

 

5. Transaction security – The transaction is secured by technologies such as EMV 3DS (buyer identity verification) and anti-fraud monitoring.

 

6. Payment confirmation – After successful authorization, funds are reserved on the buyer’s card, and the seller receives confirmation of the payment.

 

7. Transaction completion – The seller sends the ordered product or service to the buyer, and the funds are deducted from the account.

How to activate PayU?

14