Card Acceptance
Despite the growing number of global payment methods, cards remain the leading payment choice. Gr4vy keeps you ahead by enabling you to accept all card types and take control of the transaction life-cycle, all while optimizing processing costs.
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Some of our features for this product explained in full here
Credit
Optimized credit card processing
Support credit card payments across every channel. Whether you’re enabling one-time purchases or recurring billing, our cloud-native orchestration platform gives enterprises the flexibility to route, tokenize, and manage credit card transactions easily.
Debit
Better debit card performance
Precise control over routing and scheme prioritization to optimize for interchange fees and secure regulatory compliance. Gr4vy supports local debit rails, such as STAR and Pulse, enabling merchants to process debit transactions directly through domestic payment networks, increasing authorization rates and settlement times.
Co-badged Cards
Cost-effective payments
Reduce processing costs and provide customers with a seamless payment experience across markets by accepting Co-badged cards, such as EFTPOS, Cartes Bancaires, among others. With the flexibility to securely route transactions through either local or international networks, you can optimize routing, lower fees, and meet customer expectations wherever they pay. Read more >
Card Fingerprints
Smarter tracking, stronger security
Easily identify and track card numbers without the burden of handling sensitive data. Card Fingerprints are securely generated for every card received, so merchants can easily link transactions, recognize returning customers, and enhance fraud prevention, while maintaining full security and PCI compliance. Learn more >
Payment Account Reference
Keep transaction links, even when cards change
Gr4vy supports Payment Account Reference (PAR), allowing merchants to securely link transactions to the same customer, even if their card is reissued. With PAR, businesses gain better customer insights, improve loyalty tracking, and strengthen fraud prevention. Read more >
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Power up your checkout with full card coverage
Payment Orchestration
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CARD ACCEPTANCE
FAQ
Which types of cards can be accepted in online payments?
A modern card acceptance solution allows businesses to process credit cards, debit cards, and co-badged cards through a single integration. Support for Payment Account Reference (PAR) ensures transactions remain linked across the entire card life cycle, even if a card is reissued or updated. This improves reconciliation, helps maintain accurate customer records, and reduces failed payments. By accepting all major card types, businesses can optimize credit card processing, improve debit card performance, and deliver a more reliable checkout experience for customers.
How does optimized card processing work?
Optimized processing means each transaction is evaluated to find the most effective route. Credit card payments are steered through acquirers and networks where approval rates are higher, while debit transactions are directed in ways that minimize declines and unnecessary friction. This approach doesn’t just improve the customer checkout experience; it also reduces the risk of costly failed transactions. Over time, routing rules can be adjusted to match evolving card network behaviors and regional performance trends.
What makes card acceptance cost-effective?
Processing costs can quickly add up if every transaction is handled the same way. With card acceptance that adapts in real-time, the system selects the best path for each payment. This reduces interchange and processing fees without requiring manual intervention. By balancing cost and performance across providers, you create a more predictable expense structure and preserve margins, even when transaction volumes increase.
How is security maintained for card transactions?
Security is built-in at every stage of the transaction. Card fingerprints are generated in a secure way, making it easier to detect fraud patterns without storing sensitive details. PAR support also ensures that customer accounts stay linked while avoiding exposure of the primary card number. Combined, these features deliver a higher level of protection for both businesses and customers. The result is stronger compliance with security standards and reduced risk of data compromise.