# Card

> Card payments through Ozow.

Source: https://hub.ozow.com/payment-products/payin/card/

Card lets your customers pay with a Visa or Mastercard card, on the Ozow payment page, or embedded
directly in your own checkout.

Card is also the foundation for Apple Pay and Google Pay. Card has to be enabled before wallets can
be, and wallets are enabled separately: see [Digital Wallets](https://hub.ozow.com/payment-products/payin/card/digital-wallets.md).

## How your customer pays

1. Your customer chooses to pay by card at checkout.
2. They enter their card details on the Ozow payment page. If wallets are enabled on your account
   and they're on a supported device, Apple Pay and Google Pay buttons appear here too.
3. Their bank may ask them to verify the payment with 3D Secure, typically a one-time PIN or an
   in-app approval.
4. The payment is confirmed and your customer returns to your site.

## Enabling card

Card isn't a self-service opt-in. Speak to your account manager to get started. As part of
enablement, Ozow confirms that your business type is supported for card.

**If you're already integrated with Ozow**, you don't need to build anything new; card appears on
your existing integration once it's enabled on your account.

**Apple Pay and Google Pay are enabled separately.** Card is a prerequisite for them: card has to be
enabled first, then wallets are enabled as their own step. See [Digital
Wallets](https://hub.ozow.com/payment-products/payin/card/digital-wallets.md).

## Things to know

**3D Secure is applied to card payments.** It reduces your exposure to fraudulent transactions, and
it adds a verification step for the customer.

**Card payments can be charged back.** This is the main difference between card and Ozow's
bank-based payment methods, where a confirmed payment is irrevocable. With card, a customer can
dispute a payment through their bank after it has completed, and a successful dispute reverses the
funds. Keep your transaction records and delivery confirmations; they're what a dispute is resolved
on.

**A refund is not a chargeback.** A refund is something you initiate. A chargeback is raised by the
customer through their bank and follows a dispute process. If you receive a chargeback notification,
contact Ozow Support. See [Refunds](https://hub.ozow.com/payment-products/refunds.md).

**Settlement.** For how and when card payments are settled to you, see [Settlements](https://hub.ozow.com/payment-products/settlements-and-float/settlements.md).

## Integrating card

Card works with every Ozow integration method.

**If you already have an Ozow integration, there's nothing to build.** Once card is enabled on your
account it appears on the Ozow payment page automatically, however your customers reach that page:

- [Redirect to Ozow](https://hub.ozow.com/integration-methods/apis/payin/redirect-to-ozow.md)
- [Embedded iframe](https://hub.ozow.com/integration-methods/apis/payin/embedded-iframe.md)
- [Embedded modal](https://hub.ozow.com/integration-methods/apis/payin/embedded-modal.md)
- [No code payment requests](https://hub.ozow.com/integration-methods/no-code/payment-requests.md)
- [Plugins and platforms](https://hub.ozow.com/integration-methods/plugins-and-platforms.md)

**If you want card on your own checkout page**, that's a separate build. The [embedded
wallet](https://hub.ozow.com/integration-methods/apis/payin/embedded-wallet.md) renders card, Apple Pay and
Google Pay in an iframe on your page, rather than on an Ozow screen.

**Standalone card button.** To send customers straight to card and skip the payment method selection
screen, pass card's `institutionId`. Where wallets are enabled, Apple Pay and Google Pay buttons
appear on that screen too. See [Standalone payment
buttons](https://hub.ozow.com/integration-methods/apis/payin.md#standalone-payment-buttons).

**Card icons and logos** for your own checkout buttons are available in [Brand assets](https://hub.ozow.com/payment-products/brand-assets.md).