Docs

Credit or debit cards

Let customers pay with credit or debit cards. No configuration required.

Countries
All
Currencies
All
Platforms
All
One-time items
Supported
Subscriptions
Supported
Capture
Instant
Chargebacks
Supported
Refunds
Supported
Installments
Offered by some banks
Customers can save
Supported
Express
Not supported

Credit and debit cards are the most popular way to pay online globally. Paddle supports all major types of card, including Visa, Mastercard, American Express, Maestro, Cartes Bancaires, Dankort, UnionPay, JCB, Diners Club, and Discover.

Paddle Checkout makes it as easy as possible to pay with card. It presents the card form immediately alongside other payment methods, formats card numbers automatically, shows the card type, and validates form fields before customers hit pay.

Card is available as a payment option right away when using Paddle.

Illustration showing card network logos supported by Paddle. From left to right: Visa, Mastercard, American Express, Maestro, Cartes Bancaires, Dankort, UnionPay, JCB, Diners Club, and Discover.

10+
card networks

Paddle supports the most popular card networks for global payment acceptance.

17.45bn
cards issued

There's over 17bn credit, debit, and prepaid cards worldwide as of Oct 2023.

3.9
cards per person

Americans hold an average of 3.9 active credit cards across multiple banks.

How it works

Customer enters card details at checkout

Cards are always on for Paddle Checkout. The payment page presents the card form right away, alongside other payment method options.

Customer authenticates

Sometimes customers are asked to authenticate a purchase using 3D Secure 2 (3DS2). Depending on the bank or card provider, customers may be prompted to enter a code sent by SMS or using their banking app.

Payment complete

If successful, Paddle Checkout shows a success screen or enters your success workflow.

Accept cards

You don't need to do anything to enable card payments. They're always enabled for Paddle accounts.

Save cards at checkout

You can let customers securely save their card for future purchases.

  1. Go to Paddle > Checkout > Checkout settings.
  2. On the General tab, Check Allow buyers to opt in to save their payment methods for future purchases.
  3. Click Save to apply.

Test cards

You can test cards using your Paddle sandbox account.

Open a checkout, then use these card details to test payment by card:

Card typeCard number
Valid Visa debit card 4000 0566 5566 5556
Valid card without 3DS 4242 4242 4242 4242
Valid card with 3DS 4000 0038 0000 0446
Declined card 4000 0000 0000 0002
Initial success, subsequent decline 4000 0027 6000 3184

Enter any cardholder name and a valid expiry date in the future.

Was this page helpful?