Card processing built for routing, not lock-in.
Card processing lets customers pay you with debit and credit cards online. GetIbans gives you one integration for card acceptance, 3-D Secure authentication and acquirer routing, so approval rates are managed rather than assumed.
How it works
How a card payment is processed
Use cases
What you use Card processing for
Checkout
Hosted fields or a hosted page. Card data never touches your servers.
Recurring billing
Store a token and charge it on a schedule, with retries on soft declines.
Higher approval rates
Route each payment to the acquirer most likely to approve it, and retry when it makes sense.
One view of money
Card settlements and bank transfers land in the same ledger as your virtual IBANs.
Specification
What is included
| Item | Detail |
|---|---|
| Schemes | Visa, Mastercard, plus local schemes by market |
| Authentication | 3-D Secure 2, with exemption logic |
| Data security | Hosted fields and network tokens, so card numbers stay off your servers |
| Routing | Rule-based routing across acquirers, with retries |
| Events | Webhooks for authorisation, capture, refund and dispute |
FAQ
Questions
Do I need to be PCI compliant to use GetIbans card processing?
Hosted fields keep card numbers out of your systems, which reduces your PCI scope considerably. Your exact obligations depend on your integration and are confirmed at onboarding.
What is payment routing?
Routing sends each card payment to the acquirer best placed to approve it at the lowest cost, and can retry through another if the first declines.
Can I take recurring payments?
Yes. Cards are tokenised on the first payment so later charges do not need the customer to re-enter details.
Is this only for e-commerce?
Online first: checkout, subscriptions, invoices and payment links. In-person acceptance is not part of the current offering.
Ready to start with Card processing?
Send a short description of your business and flows. We reply with what is possible and what onboarding involves.