Controlling Card Brand and Card Type Acceptance with Paytia

Use Manage card to choose which card brands and card types Paytia accepts. The same screen covers telephone payments and an API web checkout. The account needs the Manage Card Rules licence.

Card brands and card types

• Card brands are the scheme on the card, such as Visa, Mastercard, or American Express.
• Card types are debit, credit, or both.

Open Manage card

Go to Manage payments, then Manage card.

1. Card brand

Open the Card brand tab. Each brand has an Action toggle. A brand that is turned off is rejected when the customer pays, and the customer hears a message that the card was not accepted.

Video: blocking card brands.

2. Card type settings

Open the Card type settings tab. The controls sit in this order: an API default for web checkout, then the ACA placeholder rules for a call. Select Save when you finish. The page confirms that your settings have been updated.

API default for web checkout

Turn API on when the business takes payments through the Paytia API. Under Default API setting for card type, choose the card type a web checkout will accept:

• DEBIT ONLY
• CREDIT ONLY
• DEBIT or CREDIT

That choice is the only card type Paytia accepts for those API payments.

Placeholder rules for a call

Further down the same tab, ACA is the list of words people pick during card acceptance on a call. Paytia applies the card type stored against the word they pick.

1. Enter a name in Add title.
2. Under ACA, choose Card type and type the Placeholder word.
3. Select Add.

On a call, Agent Capture Assist shows those placeholder words. The agent picks one, and Paytia applies the card type on that row.

Video: card type rules on a call.

How Paytia checks the card

Paytia reads the card with a BIN lookup: brand, debit or credit, and issuer country. It then uses the rules on this screen. A web checkout uses the API default. A call uses the placeholder that was selected. The card brand toggles apply in both cases.