Optimize your customers' credit card payment experience

There are several advantages to credit card payment:

• Speed: When you pay by credit card, the capture is carried out instantly, guaranteeing that your account will be funded within 24 hours.
• Accessibility: Widely used worldwide, credit cards are particularly suitable for transactions under €2,000.
• Bank-assured solvency: If the cardholder does not have enough funds, your account will still be credited with the amount of the transaction.
• Low dispute rates: The strong authentication protocol minimizes the risk of customer disputes and the chargeback costs associated.

Find out more about the 3DSecure 2.0 protocol>

• Diversified payment facilities: The credit card offers customers a wide range of payment features (Apple and Google Pay, multi-card, 1-click…).
• Quick and easy integration: Whether hosted or integrated, a credit card payment form is relatively easy to integrate into your site.

Get to know more about the Smart Form payment page >

There are 3 types of operation:

• Bank authorization: Inquiry with the cardholder's bank to verify the availability of funds. A valid authorization allows the merchant to capture the requested amount for up to 7 days.
• Capture: Card debit based on authorization or pre-authorization. The funds are insured, but the actual debit takes place during interbank clearing.
• Debit: Movement of funds from the cardholder's bank to the merchant's account. Usually executed after a validated authorization, but can be deferred for specific payments or variable amounts.

The 3DS protocol secures and validates the cardholder's identity, limiting the risk of card disputes. Nevertheless, other incidents may prompt a customer to contest a transaction: failure to provide service, lack of consent, non-compliant service, etc.

When a dispute occurs, CentralPay is notified of the disputed payment and will inform you as well. You then have 20 calendar days to send proof of delivery/consent/quality of the service. A judgment is then issued to determine the dispute outcome:

• Win: You've won your case, the chargeback has been rejected. The funds will be refunded to you.
• Lost: You have been unsuccessful, the chargeback remains. The funds cannot be refunded.