**Last updated**: 07 April 2026 | [**Change log**](/access/products/payments/changelog/)

# Guest card payment

Enterprise

SMB (Worldpay eCommerce)

Take a one-time card payment.

If [PSD2/SCA or other regional mandates apply](/access/products/3ds-sca-exemptions#when-sca-applies) you should follow the steps for [enabling 3DS](/access/products/payments/enable-features/3ds-authentication)

## 1. Integration type

Apply card details directly in our Payments API, or use our PCI-compliant Checkout SDK to create a `session`

API only
Collect the card details and send an API request with these details to the [`payments`](/access/products/payments/openapi/) resource.

## 2. Basic request

Checkout SDK
Receive a short lived `session` representing the card and apply this in the [`Payments`](/access/products/payments/openapi/) request.

## 2. Add the SDK & create a session

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

### Add the session to the request

View the full API Request schema
## 3. Add additional features

In most cases you will need to add some additional features such as 3DS, auto settlement or a risk assessment.

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

## 4. Response

Features that change the API flow
Certain features add additional requests and responses:

- [3DS](/access/products/payments/enable-features/3ds-authentication) - you will receive a `201` - `3dsDeviceDataRequired` as well as the possibility of an issuer challenge
- [FraudSight](/access/products/payments/enable-features/fraud-assessment) - you may receive a `201` - `fraudHighRisk` outcome, stopping the payment
- [Auto Settlement](/access/products/payments/enable-features/auto-settlement) - automatic `202` - `sentForSettlement` following authorization.
  - If any of the AVS/CVC response riskFactors are marked as `notMatched` the payment will be `sentForCancellation` automatically by default but can be disabled.


View the full API Response schema
## Sequence diagram

Payment
A basic card payment with no additional features such as 3DS or FraudSight enabled.


```mermaid

sequenceDiagram
    participant Browser
    participant Merchant_Frontend as Merchant Frontend
    participant Merchant_Backend as Merchant Backend
    participant Payments_API as Payments API
    participant Issuer
    Browser->>Merchant_Frontend: Click Pay
    Merchant_Frontend->>Merchant_Backend: Pay 
    Merchant_Backend->>Payments_API: Payment request
    Payments_API->>Issuer: Authorization request
    Issuer->>Payments_API: Authorization response
    Payments_API->>Merchant_Backend: Payment response
    Merchant_Backend->>Payments_API: Settlement request
    Payments_API->>Merchant_Backend: Settlement response
    Merchant_Backend->>Merchant_Frontend: Transaction complete
    Note left of Merchant_Frontend: Order receipt page
```

Payment (auto settlement)
A basic card payment with no additional features such as 3DS or FraudSight enabled.

[`settlement.auto`](/access/products/payments/enable-features/auto-settlement) is set to `true`


```mermaid

sequenceDiagram
    participant Browser
    participant Merchant_Frontend as Merchant Frontend
    participant Merchant_Backend as Merchant Backend
    participant Payments_API as Payments API
    participant Issuer
    Browser->>Merchant_Frontend: Click Pay
    Merchant_Frontend->>Merchant_Backend: Pay 
    Merchant_Backend->>Payments_API: Payment request
    Payments_API->>Issuer: Authorization Request
    Issuer->>Payments_API: Authorization Response
    Payments_API->>Merchant_Backend: Payment response
    Merchant_Backend->>Merchant_Frontend: Transaction complete
    Note left of Merchant_Frontend: Order receipt page
```

Checkout SDK (Web)
A basic card payment using the Checkout SDK to collect card details.


```mermaid

sequenceDiagram
    participant Browser
    participant Merchant_Frontend as Merchant Frontend
    participant Merchant_Backend as Merchant Backend
    participant Payments_API as Payments API
    participant Checkout_Sessions as Checkout Sessions
    participant Issuer
    Note over Merchant_Frontend: Checkout JS added to page 
    Browser->>Merchant_Frontend: Click Pay
    Merchant_Frontend->>Checkout_Sessions: Create session
    Checkout_Sessions->>Merchant_Frontend: Return session 
    Merchant_Frontend->>Merchant_Backend: Pay 
    Merchant_Backend->>Payments_API: Payment request
    Note over Merchant_Backend,Payments_API: Using Checkout SDK session
    Payments_API->>Issuer: Authorization Request
    Issuer->>Payments_API: Authorization Response
    Payments_API->>Merchant_Backend: Payment response
    Merchant_Backend->>Payments_API: Settlements request
    Payments_API->>Merchant_Backend: Settlements response
    Merchant_Backend->>Merchant_Frontend: Transaction complete
    Note left of Merchant_Frontend: Order receipt page
```

Checkout SDK (iOS/Android)
A basic card payment using the Checkout SDK on native devices to collect card details.


```mermaid

sequenceDiagram
    participant Merchant_App
    participant Merchant_Backend as Merchant Backend
    participant Payments_API as Payments API
    participant Checkout_Sessions as Checkout Sessions
    participant Issuer 
    Merchant_App->>Checkout_Sessions: Click pay - Create session
    Checkout_Sessions->>Merchant_App: Return session 
    Merchant_App->>Merchant_Backend: Pay 
    Merchant_Backend->>Payments_API: Payment request
    Note over Merchant_Backend,Payments_API: Using Checkout SDK session
    Payments_API->>Issuer: Authorization Request
    Issuer->>Payments_API: Authorization Response
    Payments_API->>Merchant_Backend: Payment response
    Merchant_Backend->>Payments_API: Settlements request
    Payments_API->>Merchant_Backend: Settlements response
    Merchant_Backend->>Merchant_App: Transaction complete
    Note over Merchant_App: Order receipt page
```