Take a Payment
Two integration approaches:
Payments API - Use a single Payments API that orchestrates the flow to include value added services such as FraudSight, 3DS and Token creation.
Modular APIs - Use multiple APIs to fully control the payment journey yourself.
| Payments API | Modular APIs | |
|---|---|---|
| Take payments that include a fraud assessment and 3DS authentication with one call. Let us handle the orchestration whilst retaining a high degree of customization. This is a new API and features are rapidly being added to bring it inline with our modular offering | Our suite of APIs that allow you to build your own payment journey based on your business needs. Take full control by tailoring your integration. Make separate FraudSight, 3DS and Card Payment API calls. | |
| Integration flows | Sequence Diagrams | Sequence Diagrams |
| Integration effort required | Medium | High |
| Guest card payments |  | |
| Repeat payments | | |
| Recurring payments | | |
| Mail Order Telephone Order (MOTO) transactions | | |
| Cards | | |
| Apple Pay and Google Pay | Encrypted only 3DS support for Googlepay coming soon Use of wallets for MIT setup not supported | 3DS support for Googlepay coming soon |
| Network token support | Usage only. Tokens API currently required for creation. | |
| Fraud protection (3DS and FraudSight) | | |
| SCA Exemption support | Exemption in 3DS Authentication coming soon | Exemption in 3DS Authentication coming soon |
| Account Funding Transactions (AFT) support |  In progress | |
| Industry Practice MITs | Coming Soon | |
| Support L2/L3 data | Coming Soon | |
| Alternative Payment Methods (APMs) | via APM API To be offered via Payments API directly later | via APM API |
| 3DS external MPI (3rd party 3DS data) | | |
| Level of customization available | Full | Full |
| PCI compliance | Automatic with use of SDK | Automatic with use of SDK |
| Mobile support | Native | Native |
| Send for settlement | Automatically or Manually | Automatically or Manually |
| Geographical availability | Global | Global |
Last Updated: 26 March 2025 | Change Log
Getting Started
Not sure where to start? Use the three sections below to help you understand how to integrate. Not your first payment integration? Dive straight in to the API Reference with a detailed schema and lots of examples.
Smart Journey Demo
Explore our interactive demo to see how to make our APIs work for your business.
Sequence diagrams
View sequence diagrams to understand how common Payments API flows would integrate with your application.
Postman Collection
Download a collection of API requests for common flows. You will need test credentials.
Pay using a card
Supported: American Express / Discover / Diners / EFTPOS / JCB / Maestro / MasterCard / MasterCard Debit / Visa / Visa Debit / Visa Electron (UK only)
Apply card details directly in our Payments API, or use our PCI-compliant Checkout SDK to take a one-time card payment.
Setup an agreement to store a customer's card details following a payment. For use with future Customer Initiated Transactions (CIT).
Use a previously stored 
Set up a customer agreement to store card details for future Customer Initiated Transactions (CIT), without taking an initial payment.
Set up an initial customer agreement (CIT) to perform subsequent recurring payments (MIT - Merchant Initiated Transactions). 
Following an initial customer agreement, perform subsequent recurring payments (MIT - Merchant Initiated Transactions).Pay using a Wallet
Take a payment with Apple Pay.
Take a payment with Google Pay.Enable additional features
3DS Authentication
Perform 3DS authentication for liability shift and/or SCA compliance. An issuer based risk assessment with identity check.
Risk Assessment
We assess the payment for fraud before proceeding with authorization.
SCA Exemptions
Request SCA Exemption from Worldpay to reduce 3DS checkout friction and remain SCA compliant.
Auto Settlement
Automatically settle a payment following the authorization.
Payment Facilitator
Facilitate transactions on behalf of your sub-merchants
MOTO transactions
Take Mail Order/ Telephone Orders on behalf of your customers.
Financial Service (MCC 6012/6051)
For domestic Financial Services providers (MCC 6012) based in the Visa Europe Region, you must supply this additional data.