> ## Documentation Index
> Fetch the complete documentation index at: https://docs.singapay.id/llms.txt
> Use this file to discover all available pages before exploring further.

# Credit Card

Accept Visa, Mastercard, and American Express payments from customers with a straightforward API — ideal for e-commerce, SaaS, and any scenario where customers prefer paying by card.

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## Supported card channels

`Visa`   `Mastercard`   `American Express`

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## Transaction limits

| Parameter           | Value             |
| ------------------- | ----------------- |
| Minimum transaction | IDR 10,000        |
| Maximum transaction | IDR 999,999,999   |
| Settlement          | T+3 Business Days |
| 3D Secure           | Supported         |
| Currency            | IDR               |

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## Key capabilities

✓ One-time charge — process a payment in a single API call.

✓ 3D Secure authentication to reduce fraud and chargebacks.

✓ Transaction cancellation for authorized but unsettled charges.

✓ Real-time status inquiry to confirm authorization, settlement, or decline.

✓ Subscription billing — see Subscription for recurring charge setup via card tokenization.

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## How a card payment works

<Steps>
  <Step title="Customer enters card details">
    Your checkout page collects the card number, expiry, and CVV. These pass to SingaPay's secure tokenization layer — raw card data never touches your servers.
  </Step>

  <Step title="3D Secure verification (if required)">
    For enrolled cards, the customer is redirected to their bank's verification page to authenticate with a one-time code or biometric.
  </Step>

  <Step title="Authorization and settlement">
    SingaPay submits the charge to the card network. On approval, the transaction is authorized immediately and settles within the standard cycle.
  </Step>

  <Step title="Webhook confirmation">
    Your server receives a webhook event confirming the outcome so you can update order status and trigger fulfilment automatically.
  </Step>
</Steps>

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