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Card payments are the foundation of online payments, accepted globally and trusted by customers worldwide. Dodo Payments supports all major card networks with built-in fraud protection and PCI compliance.

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Supported Card Networks

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Global Networks

NetworkCoverage
VisaGlobal leader, 4B+ cards worldwide
MastercardGlobal reach, strong security features
American ExpressPremium cardholders, higher spending
DiscoverUS-focused, growing globally
JCBLeading in Japan, expanding across Asia
UnionPayDominant in China, 8B+ cards
Diners ClubPremium international travelers

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Regional Networks

NetworkRegion
InteracCanada’s debit network
Cartes BancairesFrance’s national network
Korean Local CardsKorean domestic networks
RupayIndia’s national network

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Configuration

Use these values in allowed_payment_method_types:
TypeDescription
creditAll credit cards
debitAll debit cards
const session = await client.checkoutSessions.create({
  product_cart: [{ product_id: 'prod_123', quantity: 1 }],
  allowed_payment_method_types: ['credit', 'debit'],
  return_url: 'https://example.com/success'
});
Include both credit and debit unless you have a specific reason to exclude one. Debit cards are preferred by many customers and often have lower fees.

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3D Secure Authentication

3D Secure (3DS) adds an authentication layer that reduces fraud and chargebacks by verifying the cardholder’s identity.

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When 3DS is Triggered

3DS is automatically triggered when:
  • Required by the card network
  • Required by regional regulations (e.g., PSD2 in Europe)
  • The transaction is flagged as high-risk

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Force 3DS

You can require 3DS on all transactions: 
const session = await client.checkoutSessions.create({
  product_cart: [{ product_id: 'prod_123', quantity: 1 }],
  force_3ds: true,
  return_url: 'https://example.com/success'
});
Enabling 3DS for all transactions reduces fraud but may slightly decrease conversion as some customers abandon during authentication.

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Saved Payment Methods

Customers can save their cards for faster future checkouts.

Tokenized

Original card numbers never stored.

PCI Compliant

Dodo handles all compliance.

Customer-Scoped

Cards tied to specific customers.

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Enable Saved Cards

const session = await client.checkoutSessions.create({
  product_cart: [{ product_id: 'prod_123', quantity: 1 }],
  show_saved_payment_methods: true,
  customer: { customer_id: 'cus_existing_123' },
  return_url: 'https://example.com/success'
});

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One-Click Purchases

// Get customer's saved payment methods
const methods = await client.customers.getPaymentMethods('cus_123');

// Use saved card for instant checkout
const session = await client.checkoutSessions.create({
  product_cart: [{ product_id: 'prod_123', quantity: 1 }],
  customer: { customer_id: 'cus_123' },
  payment_method_id: methods[0].payment_method_id,
  confirm: true,
  return_url: 'https://example.com/success'
});

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Testing

RegionBrandCard NumberExpiryCVV
USVisa424242424242424206/32123
USMastercard555555555555444406/32123
IndiaVisa457623891277145006/32123
IndiaMastercard540916266938103406/32123
Test cards only work in test mode. Never use them for production transactions.

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Security & Compliance

FeatureDescription
PCI DSS Level 1Highest level of certification
TokenizationCard numbers immediately tokenized
Fraud ScoringReal-time risk assessment
AVSAddress Verification Service
CVV ValidationSecurity code verification
3D SecureCardholder authentication

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Best Practices

Don’t restrict card types unless necessary. Customers expect their preferred card to work.
Show Visa, Mastercard, Amex logos on your checkout to build trust.
Show clear error messages. Don’t expose raw error codes to customers.
Saved payment methods significantly boost conversion for repeat purchases.

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Troubleshooting

Causes: Insufficient funds, card expired, incorrect CVV, bank fraud protection.Solution: Ask customer to verify details or try a different card.
Causes: Customer abandoned, bank system unavailable, timeout.Solution: Retry or ask customer to contact their bank.
Causes: Regional card not supported, prepaid restrictions.Solution: Customer should try a different card from a major network.

Payment Methods Overview

All supported payment methods.

Upsells & Downsells

One-click purchases with saved cards.

Testing Process

Complete testing guide.

Subscriptions

Recurring billing with cards.