Credit & Debit Cards – Fast, Secure & Widely Accepted
Accept payments effortlessly with support for all major credit and debit cards. InstiFi’s infrastructure delivers a smooth, trusted checkout experience with higher success rates, strong security, and instant confirmations—designed for modern businesses.
Designed for Higher Authorisation & Fewer Drop-offs
InstiFi uses intelligent routing, real-time issuer insights, and adaptive retry strategies to improve your card payment success rates without compromising on security.
- Smart routing to high-performing bank gateways.
- Retry flows for soft declines and network errors.
- Issuer-specific optimisation rules and insights.
- Real-time analytics to understand failures and improve performance.
Industry-Grade Security, Trusted by Modern Businesses
InstiFi’s card stack is designed to meet and exceed industry security standards so you can focus on growth while we protect your payments.
- PCI DSS compliant infrastructure for card data.
- Tokenization to avoid storing raw card details.
- 3D Secure 2.0 flows for added authentication.
- Fraud detection, velocity checks, and rule engine.
- Continuous monitoring and alerting for suspicious activity.
Developer-Friendly APIs & Tools
Build exactly the card payment experience you want with InstiFi’s modern APIs, SDKs, and tools designed to keep integration fast and maintenance low.
- Unified APIs for all payment methods
- Drop-in card checkout SDKs for Web, Android, and iOS
- Hosted PCI-compliant fields for sensitive card data
- Webhooks for payment and refund lifecycle events
- Full sandbox environment for safe testing
- Detailed API documentation and code samples
Payment Flow
How InstiFi Processes Every Card Transaction
A clear, step-by-step breakdown of how each card transaction is processed.
Customer Enters Card Details
Your customer securely enters card number, expiry date, CVV, and other required details on InstiFi’s PCI-compliant checkout.
Authentication & Fraud Checks
We route the transaction through 3D Secure (OTP-based authentication where applicable) and run fraud checks in real time.
Issuer Bank Authorisation
The issuing bank validates card status, available balance, and risk indicators before approving or declining the transaction.
Instant Status & Confirmation
InstiFi sends an instant success or failure response to your app or website so you can update the customer in real time.
Settlement to Your Bank Account
Approved transactions are batched and settled into your linked business bank account based on your settlement cycle.
Benefits
Why businesses choose InstiFi
Provide a payment experience that feels safe for customers and efficient for your teams.
Higher Conversion Rates
A polished, familiar card flow reduces friction at checkout and helps more customers complete their purchases.
Reduced Chargebacks
Built-in risk controls, 3D Secure, and configurable rules help you proactively reduce disputes and chargebacks.
Smooth Customer Experience
From OTP verification to final confirmation, every step is designed to feel effortless, secure, and responsive.
Frequently Asked Questions
Answers to common questions about accepting credit and debit cards with InstiFi.
Start Accepting Card Payments Instantly
Offer your customers a card payment experience that feels familiar, secure, and premium—backed by InstiFi’s trusted infrastructure.