**Last updated**: 07 April 2026 | [**Change log**](/access/products/payments/changelog/) # Take a payment ## Get started **Not sure where to start?** Use the sections below to help you understand how to integrate. Not your first payment integration? Dive straight in to the [API reference](/access/products/payments/openapi) with a detailed schema and lots of examples. Build a payment request Select common payment scenarios and features to build a payment request Smart Journey Demo Explore our interactive demo to see how to make our APIs work for your business. Sequence diagrams View sequence diagrams to understand how common Payments API flows would integrate with your application. Postman Collection Download a collection of API requests for common flows. You will need test credentials. ## Pay using a card **Supported**: *American Express / Cartes Bancaires / Discover / Diners / EFTPOS / JCB / Maestro / MasterCard / MasterCard Debit / Visa / Visa Debit / Visa Electron (UK only)* Visit our [stored credentials article](/access/products/articles/stored-credentials) for an overview of Customer Initiated Transactions and Merchant Initiated Transactions. Here are payment journeys we support: ### Guest card payment ![One-off card payment](/access/assets/one-off.5dfdd82c2136ae22d5fa65f87906116081ac34ba6b7813e216e0924827aed3b1.c0255220.png) Apply card details directly in our Payments API, or use our PCI-compliant Checkout SDK to take a one-time card payment. Enterprise SMB (Worldpay eCommerce) ### Store a card ![Save a card](/access/assets/store-a-card.8d38a7ba74809c80dc5e66238e03437ee4b119cf337b7c5f0b01c20561a39ea7.c0255220.png) Setup an agreement to store a customer's card details following a payment. For use with future Customer Initiated Transactions (CIT). Enterprise SMB (Worldpay eCommerce) ### Use a stored card ![Use a saved card](/access/assets/use-a-stored-card.502875786c3ef2ec0c50768ab890b43ba869c5f71bdac6d060603aae6d24ff96.c0255220.png) Use a previously stored `Worldpay token` or `network token` to perform Customer Initiated Transactions (CIT). Enterprise SMB (Worldpay eCommerce) ### Store a card only ![add a card](/access/assets/add-card.bd7fd5f7ae94aa2695613431cb0fe8dd228924a10ee861067adce22dd3a8ec7e.c0255220.png) Set up a customer agreement to store card details for future Customer Initiated Transactions (CIT), without taking an initial payment. Enterprise SMB (Worldpay eCommerce) ### Setup a recurring payment ![setup a recurring payment](/access/assets/setup-recurring.f74759c7ec16ad8a7a3602c6fad8a52a235e63d9d25c5a820f3c7438440d5723.c0255220.png) Set up an initial customer agreement (CIT) to perform subsequent recurring payments (MIT - Merchant Initiated Transactions). `subscription`, `installment` and `unscheduled`. Enterprise SMB (Worldpay eCommerce) ### Subsequent recurring payments ![make subsequent recurring payments](/access/assets/subsequent-recurring.5c0984af48808fc5d089766acf25423f558c6a92b8d4a5893eaa1cd226403b47.c0255220.png) Following an initial customer agreement, perform subsequent recurring payments (MIT - Merchant Initiated Transactions). Enterprise SMB (Worldpay eCommerce) ## Pay using a Wallet ### Apple Pay ![Apple Pay logo](/access/assets/applepay.8c47bda19b9dbf168d22cc1794ebb1f71b6073f62ceb4c47d87c4c036f4ca67d.c0255220.png) Take a payment with Apple Pay. Enterprise ### Google Pay ![Google Pay logo](/access/assets/googlepay.a5b1de776edb226863623f4992dba4835ae17200f895dd9cd4ba8c3c43f515d8.c0255220.png) Take a payment with Google Pay. Enterprise ## Additional features 3DS Authentication Perform 3DS authentication for liability shift and/or SCA compliance. An issuer based risk assessment with identity check. Enterprise Worldpay eCommerce SCA Exemptions Ask for an SCA Exemption to be applied automatically. Enterprise Risk Assessment We assess the payment for fraud before proceeding with authorization. Enterprise Worldpay eCommerce Auto Settlement Automatically settle a payment following the authorization. Enterprise Worldpay eCommerce Account Funding Transactions (AFT) Transfer funds from a card account to another destination, rather than for the provision of goods or services. Enterprise Financial Service (MCC 6012/6051) For domestic Financial Services providers (MCC 6012) based in the Visa Europe Region, you must supply this additional data. Enterprise Latin America Installments Fulfill a one-time installment charge, to allow the customer's acquirer bank collecting the payments over time. Enterprise Payment Facilitator Facilitate transactions on behalf of your sub-merchants. Enterprise MOTO transactions Take Mail Order/ Telephone Orders on behalf of your customers. Enterprise Worldpay eCommerce Account Updater Automatically update card details to prevent declines due to expired or changed cards. Enterprise Pay via AI Agent (Delegate Token) OpenAI's instant checkout using Agentic Commerce Protocol (ACP) Enterprise ## Build a payment request Build a simple payment request as a starting point. Toggle features on and off as needed. Moto (Mail Order / Telephone Order) Mail Order/Telephone orders on behalf of your customers. See [enabling moto](/access/products/payments/enable-features/moto) for details. An **encrypted Apple Pay wallet** is shown in the example request by default, to change this to a decrypted payload select the toggle below. Decrypted Use a [decrypted wallet](/access/products/payments/apple-pay) payload. Auto settlement Enable auto settlement. See [enabling auto settlement](/access/products/payments/enable-features/auto-settlement) for details. FraudSight risk assessment Add a risk assessment to the request. See [enabling FraudSight](/access/products/payments/enable-features/fraud-assessment) for details. An **encrypted Google Pay wallet** is shown in the example request by default, to change this to a decrypted payload select the toggle below. Decrypted Use a [decrypted wallet](/access/products/payments/google-pay) payload. To see a decrypted example without a cryptogram and eci and using 3DS authentication enable the 3DS toggle. Auto settlement Enable auto settlement. See [enabling auto settlement](/access/products/payments/enable-features/auto-settlement) for details. FraudSight risk assessment Add a risk assessment to the request. See [enabling FraudSight](/access/products/payments/enable-features/fraud-assessment) for details. 3DS authentication Add 3DS authentication to the request. See [enabling 3DS](/access/products/payments/enable-features/3ds-authentication) for details. 3DS authentication is only run if the encrypted google wallet payload has not been through authentication (PAN_ONLY). For more information on CIT and MIT payments read [this article](/access/products/articles/stored-credentials). A **Customer Initiated Transaction (CIT)** is used by default in the request example: Store a card Store the card details for future payments (e.g. use the same card for the next transaction). See [store a card](/access/products/payments/store-a-card) for details. Create Worldpay Token Create a Worldpay Token to minimize the exposure of sensitive card details when storing the card. **(recommended)** No initial payment (add card only) `Add card only` or no initial payment for the recurring agreement. A card verification check is performed. *Note: auto-settlement will be disabled.* Setup a recurring payment Setup an initial agreement for a recurring series of payments. This is a CIT payment that allows subsequent MIT payments. The example here is for a `subscription`. See [setup a recurring payment](/access/products/payments/recurring-first) for details. Subsequent recurring payment A Merchant Initiated Transaction (MIT) where the customer is not present in initiating the payment. See [make a subsequent recurring payment](/access/products/payments/recurring-subsequent) for details. The request example is for a **plain** card number by default Use a Checkout session Use a session from the [Checkout SDK](/access/products/checkout) and qualify for SAQ-A PCI compliance. Receive a short lived `session` representing the card and apply this in the [`Payments`](/access/products/payments/openapi/) request. Web SDK Add JavaScript to your checkout Android SDK Set up your Android application iOS SDK Set up your iOS application React Native SDK Set up your React Native application Use a Worldpay Token Use a `Worldpay Token` for the payment. See [use a stored card](/access/products/payments/use-a-stored-card) for details. Use CVC Checkout Session Use a CVC session from the [Checkout SDK](/access/products/checkout) and qualify for SAQ-A PCI compliance. Use a Network Token Use a `network token`. See [use a stored card](/access/products/payments/use-a-stored-card) for details. *If the cryptogram is not provided it will be provisioned automatically. This will only work for Worldpay created NPTs* Auto settlement Enable auto settlement. See [enabling auto settlement](/access/products/payments/enable-features/auto-settlement) for details. FraudSight risk assessment Add a risk assessment to the request. See [enabling FraudSight](/access/products/payments/enable-features/fraud-assessment) for details. 3DS authentication Add 3DS authentication to the request. See [enabling 3DS](/access/products/payments/enable-features/3ds-authentication) for details. For setup of new recurring agreements (e.g. subscription/first) the challenge preference should be set to `challengeMandated` for regions such as EEA (European Economic Area). SCA Exemptions Add SCA Exemptions to the request. See [enabling SCA Exemptions](/access/products/payments/enable-features/sca-exemptions) for details. * 3DS authentication must be enabled * Cannot be used for the setup (first) or subsequent MITs API reference View use cases Additional features