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Debit Cards

Overview​

This document details how to process debit card payments. Debit card transactions typically require immediate fund availability and may require additional authentication from the issuing bank.

How Debit Card Payments Work​

  1. The customer enters debit card details.
  2. The payment gateway may require additional authentication (e.g., 3DSecure or OTP verification).
  3. The bank verifies fund availability and approves the transaction.
  4. The payment is instantly debited from the customer’s account.

Debit Card Payment Checkout Internal Authentication (letpay)​

Debit Card Payment Checkout External Authentication​

Debit Card Payment Fields​

To process a debit card transaction, set method to DEBITCARD:

"payment": {
    "method": "DEBITCARD",
    "amount": 100.00,
    "currency": "USD",
    "card": {
        "number": "5222222222222222",
        "holder": "John Doe",
        "cvv": "456",
        "year": 2026,
        "month": 11
    }
}

Additional Authentication​

Some debit card transactions require 3D Secure authentication, similar to credit cards. In such cases, include the authentication object:

"authentication": {
    "cavv": "BwABBylVaQAAAAFwllVpAAAAAAA=",
    "xid": "BwABBylVaQAAAAFwllVpAAAAAAA=",
    "eci": "05",
    "version": "2.1.0",
    "dstrans_id": "DIR_SERVER_TID"
}

Example Response​

{
    "transaction_id": "TRANSACTION_98765",
    "status": "AUTHORIZED",
    "authorization_code": "AUTH_54321"
}

Considerations​

  • Debit card payments require sufficient funds at the time of purchase.
  • Some issuers require additional authentication for security purposes.
  • Refund processing may vary depending on the bank’s policies.

By supporting debit card payments, merchants can provide real-time transactions with added security measures.