Credit Cards

Summary

The credit card payment method enables Merchants to process e-commerce credit card transactions. This payment method is preferred for its convenience and speed, making it a vital component for e-commerce and online businesses.  

Credit Card Capabilities

Credit Card Payment Flow

The process typically involves the following steps: 

1. The payer enters their credit card details on a website during the checkout process.  
2. Preczn encrypts the entered data, creates, and returns a token to the Platform.  
3. The Platform requests a Sale using the token. 
4. Preczn sends the payment data to the Connection.  
5. The Connection forwards the payment data to the card-issuing bank for verification and authorization.  
6. The issuing bank approves or denies the transaction based on the cardholder's available credit and account status.  
7. Upon authorization, the transaction is processed, funds are transferred from the cardholder's account to the Merchant's account, and the sale is completed.  
8. Both the merchant and the buyer receive a confirmation of the transaction's outcome.

Credit Card Testing

Use Preczn test cards to test your integration. These test cards work only against test Merchants and test Connections. A test transaction is automatically directed to the processor's sandbox environment.

Preczn Test Cards

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Info

When using the test card values below, Preczn will automatically map these values to the appropriate test card utilized by your configured Connection.

It is important to note, some processors utilize unique triggers to simulate different test scenarios. Please see your Connection's page for details unique to your processor.

Approved Cards

 
Decline Card

 
Approved Debit Card