**Last updated**: 14 November 2025 | [**Change log**](/products/payments/changelog/) # Guest card payment Enterprise SMB (Worldpay eCommerce) Take a one-time card payment. If [PSD2/SCA or other regional mandates apply](/products/3ds-sca-exemptions#when-sca-applies) you should follow the steps for [enabling 3DS](/products/payments/enable-features/3ds-authentication) ## Diagrams: Guest Card Payment Payment A basic card payment with no additional features such as 3DS or FraudSight enabled. ```mermaid sequenceDiagram participant Browser participant Merchant_Frontend as Merchant Frontend participant Merchant_Backend as Merchant Backend participant Payments_API as Payments API participant Issuer Browser->>Merchant_Frontend: Click Pay Merchant_Frontend->>Merchant_Backend: Pay Merchant_Backend->>Payments_API: Payment request Payments_API->>Issuer: Authorization Request Issuer->>Payments_API: Authorization Response Payments_API->>Merchant_Backend: Payment response Merchant_Backend->>Payments_API: Settlements request Payments_API->>Merchant_Backend: Settlements response Merchant_Backend->>Merchant_Frontend: Transaction complete Note left of Merchant_Frontend: Order receipt page ``` Payment (auto settlement) A basic card payment with no additional features such as 3DS or FraudSight enabled. [`settlement.auto`](/products/payments/enable-features/auto-settlement) is set to `true` ```mermaid sequenceDiagram participant Browser participant Merchant_Frontend as Merchant Frontend participant Merchant_Backend as Merchant Backend participant Payments_API as Payments API participant Issuer Browser->>Merchant_Frontend: Click Pay Merchant_Frontend->>Merchant_Backend: Pay Merchant_Backend->>Payments_API: Payment request Payments_API->>Issuer: Authorization Request Issuer->>Payments_API: Authorization Response Payments_API->>Merchant_Backend: Payment response Merchant_Backend->>Merchant_Frontend: Transaction complete Note left of Merchant_Frontend: Order receipt page ``` Checkout SDK (Web) A basic card payment using the Checkout SDK to collect card details. ```mermaid sequenceDiagram participant Browser participant Merchant_Frontend as Merchant Frontend participant Merchant_Backend as Merchant Backend participant Payments_API as Payments API participant Checkout_Sessions as Checkout Sessions participant Issuer Note over Merchant_Frontend: Checkout JS added to page Browser->>Merchant_Frontend: Click Pay Merchant_Frontend->>Checkout_Sessions: Create session Checkout_Sessions->>Merchant_Frontend: Return session Merchant_Frontend->>Merchant_Backend: Pay Merchant_Backend->>Payments_API: Payment request Note over Merchant_Backend,Payments_API: Using Checkout SDK session Payments_API->>Issuer: Authorization Request Issuer->>Payments_API: Authorization Response Payments_API->>Merchant_Backend: Payment response Merchant_Backend->>Payments_API: Settlements request Payments_API->>Merchant_Backend: Settlements response Merchant_Backend->>Merchant_Frontend: Transaction complete Note left of Merchant_Frontend: Order receipt page ``` Checkout SDK (iOS/Android) A basic card payment using the Checkout SDK on native devices to collect card details. ```mermaid sequenceDiagram participant Merchant_App participant Merchant_Backend as Merchant Backend participant Payments_API as Payments API participant Checkout_Sessions as Checkout Sessions participant Issuer Merchant_App->>Checkout_Sessions: Click pay - Create session Checkout_Sessions->>Merchant_App: Return session Merchant_App->>Merchant_Backend: Pay Merchant_Backend->>Payments_API: Payment request Note over Merchant_Backend,Payments_API: Using Checkout SDK session Payments_API->>Issuer: Authorization Request Issuer->>Payments_API: Authorization Response Payments_API->>Merchant_Backend: Payment response Merchant_Backend->>Payments_API: Settlements request Payments_API->>Merchant_Backend: Settlements response Merchant_Backend->>Merchant_App: Transaction complete Note over Merchant_App: Order receipt page ``` ## 1. Integration type Apply card details directly in our Payments API, or use our PCI-compliant Checkout SDK to create a `session` API only Collect the card details and send an API request with these details to the [`payments`](/products/payments/openapi/) resource. ## 2. Basic request Checkout SDK Receive a short lived `session` representing the card and apply this in the [`Payments`](/products/payments/openapi/) request. ## 2. Add the SDK & create a session Web SDK Add JavaScript to your checkout Android SDK Set up your Android application iOS SDK Set up your iOS application React Native SDK Set up your React Native application ### Add the session to the request View the full API Request schema ## 3. Add additional features In most cases you will need to add some additional features such as 3DS, auto settlement or a risk assessment. 3DS Authentication Perform 3DS authentication for liability shift and/or SCA compliance. An issuer based risk assessment with identity check. Enterprise Worldpay eCommerce SCA Exemptions Ask for an SCA Exemption to be applied automatically. Enterprise Risk Assessment We assess the payment for fraud before proceeding with authorization. Enterprise Worldpay eCommerce Auto Settlement Automatically settle a payment following the authorization. Enterprise Worldpay eCommerce Account Funding Transactions (AFT) Transfer funds from a card account to another destination, rather than for the provision of goods or services. Enterprise Financial Service (MCC 6012/6051) For domestic Financial Services providers (MCC 6012) based in the Visa Europe Region, you must supply this additional data. Enterprise Latin America Installments Fulfill a one-time installment charge, to allow the customer's acquirer bank collecting the payments over time. Enterprise Payment Facilitator Facilitate transactions on behalf of your sub-merchants. Enterprise MOTO transactions Take Mail Order/ Telephone Orders on behalf of your customers. Enterprise Worldpay eCommerce Account Updater Automatically update card details to prevent declines due to expired or changed cards. Enterprise Pay via AI Agent (Delegate Token) - Preview OpenAI's instant checkout using Agentic Commerce Protocol (ACP) Enterprise ## 4. Response Features that change the API flow Certain features add additional requests and responses: - [3DS](/products/payments/enable-features/3ds-authentication) - you will receive a `201` - `3dsDeviceDataRequired` as well as the possibility of an issuer challenge - [FraudSight](/products/payments/enable-features/fraud-assessment) - you may receive a `201` - `fraudHighRisk` outcome, stopping the payment - [Auto Settlement](/products/payments/enable-features/auto-settlement) - automatic `202` - `sentForSettlement` following authorization. - If any of the AVS/CVC response riskFactors are marked as `notMatched` the payment will be `sentForCancellation` automatically by default but can be disabled. View the full API Response schema