Card Payment
Collect mobile money payments from your customers.
Accept secure card payments from your customers through 3D Secure (3DS) authentication. Card payments allow customers to pay quickly and safely using their 3DS‑enabled cards. This method ensures strong authentication and protects both the customer and the merchant from fraud.
Supported cards
Alexpay currently supports 3DS‑enabled cards for payments in Ghana.
3DS card
Requirements
Before integrating card payments, make sure you have completed the following:
Review the introduction section before you continue with this guide.
Retrieve your API keys from the Alexpay Dashboard to authorize requests.
How Card Payments Work
When a customer selects Card as their payment method, Alexpay automatically handles the 3DS authentication process.
Customer Chooses Card Payment: The customer selects "Card" as the payment option on the initialization endpoint.
Redirect to 3DS Authentication Page: Alexpay displays a secure, PCI‑compliant 3DS page for authentication.
Customer Completes 3DS Authentication: The customer must:
Confirm the authentication prompt (e.g., OTP, push notification, or banking app prompt),
Enter their PIN/OTP, or
Follow their card issuer’s required security flow.
Transaction Processing: Both the customer and the merchant receive confirmation of the transaction status (success or failure).
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