# Discover

> Discover card is a leading payment card provider in the United States.

 Discover card is a leading payment card provider in the United States, known for its competitive rates, attractive rewards program, and excellent customer service. Discover is available and widely accepted by merchants across the US market and enjoys broad acceptance worldwide through partnerships with various international payment networks.

## Properties {#3fZhB}

 The payment properties of Discover are shown in the following table:

 | **Availability** | **Acquirer** | 2C2P HK | AntomUS | AntomSG | AntomHK |
| --- | --- | --- | --- | --- | --- |
| **Merchant entity location** | HK | US | SG | HK |  |
| **Buyer country/region** | Global | Global | Global | Global |  |
| **Product features** | **Payment type** | Card | Card | Card | Card |
| **Card brand** | Discover | Discover | Discover | Discover |  |
| **Card type** | No limit | No limit | No limit | No limit |  |
| **Processing currency** | See the   [Processing currency](#7siRY)   table | USD | CNY, MOP, IDR, MYR, KRW, LKR, NPR, PKR, TWD, PHP, SGD, USD | HKD |  |
| **Other** | **3D** | ✔️ | ✔️ | ✔️ | ✔️ |
| **Authorization validity period** | 7 days   To reduce costs, we recommend that you initiate a request to capture or cancel the authorization within 3 days. |  |  |  |  |
| **Minimum payment amount** | The smallest unit of the acquirer currency | The minimum is 1 cent USD or established international currency equivalent | 0\.01 | 0\.01 |  |
| **Maximum payment amount** | 499,999 USD or equal amounts | 9,999,999.99 USD | 9,999,999.99 | 9,999,999.99 |  |
| **Recurring payments (MIT)** | ❌ | ✔️ | ❌ | ❌ |  |
| **Multiple partial captures** | ❌ | ❌ | ❌ | ❌ |  |
| **Partial capture** | ✔️ | ✔️ | ❌ | ❌ |  |
| **Refund** | ✔️ | ✔️ | ✔️ | ✔️ |  |
| **Partial refund** | ✔️ | ✔️ | ✔️ | ✔️ |  |
| **Chargeback/Dispute** | ✔️ | ✔️ | ✔️ | ✔️ |  |
| **Refund period** | 365 days | 365 days | 365 days | 365 days |  |
| **Advanced AVS check** | ❌ | ❌ | ❌ | ❌ |  |
| **Special payment element** | None | Refer to   [Special payment elements for Cards](https://docs.antom.com/ac/pm/enumeration_values.md#uAnSf)   for more details. | None |  |  |

#### Installment {#InSTM}

 The installment properties of Discover are shown in the following table:

 | **Availability** | **Acquirer** | AntomUS |
| --- | --- | --- |
| **Merchant entity location** | US |  |
| **Buyer country/region** | Global |  |
| **Product features** | **Payment type** | Card |
| **Card brand** | Visa, Mastercard, Discover |  |
| **Card type** | Credit card |  |
| **Processing currency** | USD |  |
| **Default timeout** | 14 minutes |  |
| **Other** | **3D** | ✔️ |
| **Authorization validity period** | 365 days. To reduce costs, we recommend that you initiate a request to capture or cancel the authorization within 3 days. |  |
| **Minimum payment amount** | 1 USD |  |
| **Maximum payment amount** | 50,000 USD |  |
| **Recurring payments (MIT)** | ✔️ |  |
| **Multiple partial captures** | ❌ |  |
| **Partial captures** | ❌ |  |
| **Refund** | ✔️ |  |
| **Partial refunds** | ✔️ |  |
| **Refund period** | 365 days |  |
| **Chargeback/Dispute** | ✔️ |  |
| **Advanced AVS check** | ❌ |  |
| **Installment** | ✔️ |  |
| **Installment interest payer** | Merchants (Merchant-imply in Merchant Discount Rate) |  |
| **Interest free plan** | ✔️ |  |
| **Installment amount limitation** | Amount ≥ 1 USD |  |
| **Installment supported plan** | 3, 6, 9, 12 months |  |

#### Processing currency for 2C2P HK {#7siRY}

 |  |
| --- |
| AED, CAD, CHF, CNY, DKK, EUR, GBP, HKD, IDR, JPY, KRW, KZT, LKR, MOP, MYR, NOK, NPR, NZD, OMR, PKR, SEK, SGD, THB, TWD, UAD, USD |

## User experience {#eTt2B}

 This section shows the user experience of Discover in different scenarios:

### API integration {#wRuah}

 This section shows the difference in user experience between those PCI and non-PCI qualified under the API integration.

<!-- TabGroup -->

**Tab: PCI qualified**

This section shows the difference between the first-time and subsequent payments under the PCI qualified.

<!-- TabGroup -->

**Tab: First-time payment**

This section shows the difference between Web and App when making the first-time payment under the PCI qualified.

<!-- TabGroup -->

**Tab: Web**

![67.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/7e4256ea-9749-4127-bd5a-b684badcf445.png)

**Tab: App**

![68.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/67bcd6ef-aebc-4094-ab52-0537b6014dfe.png)

<!-- /TabGroup -->

**Tab: Subsequent payments**

This section shows the difference between Web and App when making the subsequent payments under the PCI qualified.

<!-- TabGroup -->

**Tab: Web**

![69.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/490e4267-88cb-42c6-bffc-222cd9184c1e.png)

**Tab: App**

![70.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/912ab908-6bc5-4623-bac5-7a3e09c918be.png)

<!-- /TabGroup -->

<!-- /TabGroup -->

**Tab: Non-PCI qualified**

This section shows the difference between the first-time and subsequent payments under the non-PCI qualified.

<!-- TabGroup -->

**Tab: First-time payment**

This section shows the difference between Web and App when making the first-time payment under the non-PCI qualified.

<!-- TabGroup -->

**Tab: Web**

![71.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/01fac32e-e960-4e33-8caf-153d0ccdbaca.png)

**Tab: App**

![72.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/ecc0d3f7-203d-4a12-8934-5c6f1755e664.png)

<!-- /TabGroup -->

**Tab: Subsequent payments**

This section shows the difference between Web and App when making the subsequent payments under the non-PCI qualified.

<!-- TabGroup -->

**Tab: Web**

![73.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/43972c87-9162-4ded-8fcc-0d73bca93b10.png)

**Tab: App**

![74.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/9c9437d7-0ef4-4a1f-8869-b220cadb16c3.png)

<!-- /TabGroup -->

<!-- /TabGroup -->

<!-- /TabGroup -->

### SDK integration {#ZufV0}

 This section shows the difference between the first-time and subsequent payments under the SDK integration.

<!-- TabGroup -->

**Tab: First-time payment**

This section shows the difference between Web and App when making the first-time payment under the SDK integration.

<!-- TabGroup -->

**Tab: Web**

![75.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/5dade5f3-189e-4fdc-a652-4f51972cf131.png)

**Tab: App**

![76.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/b6c86ec1-f979-4d7c-b794-32afb2d40d6c.png)

<!-- /TabGroup -->

**Tab: Subsequent payments**

This section shows the difference between Web and App when making the subsequent payments under the SDK integration.

<!-- TabGroup -->

**Tab: Web**

![77.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/53ded0a0-887f-4f44-aba7-7c79061f317b.png)

**Tab: App**

![78.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/f0b3442c-ee23-401b-bf67-b659e09c536b.png)

<!-- /TabGroup -->

<!-- /TabGroup -->

### Installment {#cnjhd}

 The section shows the installment payment process:

<!-- TabGroup -->

**Tab: Web**

![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/7ac2489f-9de5-4186-8f71-cf9e94e41ed8.png)

**Tab: App**

![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/9890d513-8c9e-47c8-a8de-ab9b69e86fc4.png)

<!-- /TabGroup -->
 1. The buyer selects a card payment method on the merchant checkout page.
2. The buyer enters their card details on the secure payment page powered by Antom.
3. The buyer selects an available installment option before completing the payment.
4. The buyer confirms the payment. Note that the first installment is charged to the card, and the remaining installments will be collected directly from the buyer according to the selected installment plan.
5. After the payment is completed, the merchant receives the full order amount. The buyer is redirected to the merchant result page.

## Supported online payment integrations {#XYjyU}

 Antom offers a range of integration options tailored to each payment method. Each payment method may support different online payment integration options, allowing for flexibility based on your business requirements. The table below provides detailed information about the specific integrations available for each payment method:

 | **Supported online payments** | **Supported integrations** |
| --- | --- |
| One-time Payments | ✔️      [Hosted API-only](https://docs.antom.com/ac/cashierpay/cardcollant.md) ✔️      [Server-to-server API-only](https://docs.antom.com/ac/cashierpay/cardinfocallmerchant.md) ✔️      [Hosted Checkout Page](https://docs.antom.com/ac/cashierpay/HOSTEDCKP.md) ✔️      [Embedded Checkout Page](https://docs.antom.com/ac/cashierpay/embeddedckp.md) ✔️      [Web Element](https://docs.antom.com/ac/cashierpay/element.md) ✔️      [Mobile Element](https://docs.antom.com/ac/cashierpay/element.md) ❌    Payment links |
| Tokenized Payment | ❌ |
| Subscription Payment | ❌ |
| EasySafePay | ❌ |
| Scan to Link | ❌ |

## Integration considerations {#fey50}

 Installments are supported under AntomUS. For integration details, refer to  [Installment payments](https://docs.antom.com/ac/pm/installment.md#KAOJj)  .