To accept credit and debit card payments using PayMongo, you must use the Payment Intent workflow. This workflow allows you to accept a wide variety of cards, including cards that need 3D Secure verification.


Tokens API

Our Tokens API does not handle 3D Secure Authentication. You may experience higher decline rates using Tokens API because of this if most of your customers' credit cards require 3D Secure authentication. If you already integrated with us, we highly suggest upgrading to the Payment Intent workflow.

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