Product
Card Payments Solutions
Accept Visa and Mastercard payments across in-person, online, and mobile channels, with built-in tokenisation for seamless recurring billing.
Card Payments Solutions gives businesses the infrastructure to accept all major card payments, Visa and Mastercard, across every channel where customers want to pay. Whether at a physical point of sale, through an online checkout, or via a mobile payment flow, RealPay's card acceptance layer handles authorisation, security, and settlement in one unified integration.
Beyond single-transaction acceptance, RealPay's card solution includes full tokenisation support, meaning a customer's card details can be securely stored as a token and used for future payments without requiring the customer to re-enter their card information. This makes it a powerful engine for subscription billing, one-click checkout, and recurring revenue models.
The solution ensures cardholder data is protected to global standards, reducing the merchant's security liability. With support for contactless, chip and PIN, and card-not-present transactions, it covers the full range of modern card acceptance use cases.
What's included
Broad Card Acceptance
Accepts all major Visa and Mastercard card types, credit, debit, and prepaid, across card-present (in-person) and card-not-present (online and mobile) environments.
Tokenisation for Recurring Billing
Customer card details are replaced with a secure, reusable token. This enables one-click repeat purchases and automated recurring billing without exposing or re-entering sensitive card data.
Real-Time Authorisation
Every transaction is authorised in real time, providing immediate confirmation for the merchant and enabling instant order fulfilment or service activation.
Secure Card Processing Infrastructure
The full card processing environment is certified to global security standards, reducing the merchant's compliance scope and protecting both the business and its customers from card data exposure.
Multi-Channel Support
The same integration supports card-present (POS terminal), card-not-present (e-commerce and payment links), and mobile payment flows, giving businesses a single, consistent card acceptance layer across all their channels.
Who it’s for
Card Payments Solutions is suited for businesses that need to accept cards across multiple channels and want to pair that with recurring billing capability. Typical use cases include:
- Retailers and hospitality businesses accepting card payments in-store and online
- E-commerce businesses that want to store customer card details for repeat purchases
- Subscription and SaaS businesses running automated monthly card billing
- Service businesses accepting deposits or instalments via card
- For anyone who needs secure payment solutions
Frequently asked questions
What card types does the solution support?
The solution supports Visa and Mastercard credit, debit, and prepaid cards. Both local and international cards are accepted.
How does tokenisation work?
When a customer pays for the first time, their card details are encrypted and replaced with a unique token that is stored securely. Future payments use that token, so the customer never needs to re-enter their card details, and the merchant never stores raw card data.
Is card payment data stored on the merchant's system?
No. Tokenisation ensures that sensitive card data is never stored on the merchant's infrastructure, significantly reducing compliance scope and data breach risk.
Can the same integration handle both online and in-person card payments?
Yes. RealPay's Card Payments Solution is designed to work across card-present and card-not-present environments from a single integration point, simplifying development and reconciliation.
What happens if a card payment fails?
Failed authorisations are returned in real time with a reason code, allowing the system or the merchant to prompt the customer to retry or use an alternative payment method.
Available in
Suited for
Optional add-ons