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Card Payments

Card payments enable your customers to pay using their debit or credit cards, providing a fast and familiar checkout experience. Monieswitch supports all major card networks, ensuring broad coverage and secure processing.

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Key Features

  • Wide Card Network Support: Accepts Visa, Mastercard, Verve, and other major card brands.
  • Secure Transactions: PCI DSS compliant processing with advanced fraud detection.
  • Instant Payment Confirmation: Receive real-time updates on payment status.
  • International Payments: Accept payments from both local and international cards.

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How It Works

  1. Customer selects card payment at checkout.
  2. Customer enters card details on the secure payment form provided by Monieswitch.
  3. Monieswitch processes the payment and performs necessary security checks (including 3D Secure if required).
  4. Payment is authorized or declined instantly.
  5. You receive a webhook notification with the payment result for order fulfillment.

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Integration Steps

  1. Initiate a Payment Request Send a payment initiation request to the Monieswitch API specifying card as the payment channel. 
    {
  "amount": 5000,
  "currency": "NGN",
  "customer": {
    "name": "Jane Doe",
    "email": "[email protected]"
  },
  "channel": "card"
}
  2. Redirect or Display Payment Form Use the API response to redirect the customer to the Monieswitch hosted payment page or embed the payment form in your checkout flow.
  3. Handle Payment Confirmation Listen for webhook notifications from Monieswitch to confirm when the payment is successful.
    Example webhook handler (Node.js/Express)
    app.post("/webhook", (req, res) => {
  const event = req.body;
  if (event.type === "payment.success" && event.data.channel === "card") {
    // Fulfill the order
  }
  res.sendStatus(200);
});

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Best Practices

  • Always use HTTPS and ensure your integration is PCI DSS compliant.
  • Verify payment status via webhook before fulfilling orders.
  • Provide clear error messages for declined or failed transactions.
  • Test your integration in the sandbox environment before going live.

API

Refer to our API Documentation for integration details