Create a Card Transaction

This section provides a high-level view of the available card transaction models.

For implementation details, complete request and response examples, and model-specific behavior, refer to:

Raw Card Payment available for credit card and debit card.
Token Credit Card Payment only for credit card.

Available models

The API supports two card integration models:

Explicit model: the merchant explicitly informs whether the transaction should be processed as CREDIT_CARD or DEBIT_CARD
Flexible model: the merchant sends the card as CARD, and the issuer-defined method used in authorization is returned in the response

Availability matrix

Capability	Explicit model	Flexible model	Tokenized card
Credit card support	Yes	Yes	Yes
Debit card support	Yes	Yes	No
Merchant explicitly informs card method	Yes	No	Yes
Issuer-defined card method returned in response	Yes	Yes	No
Available in raw integration	Yes	Yes	No
Available in tokenization flow	No	No	Yes

Important note

Debit card processing is currently available only through the raw card integration flow.

For the tokenized card flow, only credit card is currently available. Debit card is not supported in tokenization.

If you need to process debit card transactions, use the raw integration described in:

Raw Card Payment

When to use each model

Explicit model

Use this model when your checkout already separates credit and debit flows and you want the API to validate the expected method against the type reported by the issuing bank.

Flexible model

Use this model when you want a simpler card integration and prefer the issuer-reported card method to define whether the transaction is processed as credit or debit.

Next step

Go to Raw Card Payment for the full implementation guide, including request structure, response structure, examples, and error handling.

Or go to - Token Credit Card Payment for Credit Card.