# Indian cards

> Indian cards only support payments from locally issued cards.

 Currently, Indian cards only support payments from locally issued (India) cards. It covers card brands such as Visa, Mastercard, Diners, and others.

## Properties {#o5EpW}

 The following table lists the product properties supported by Indian cards:

 | **Availability** | **Acquirer** | AntomSG, AntomHK, AntomUS, AntomUK, AntomEU |
| --- | --- | --- |
| **Merchant entity location** | SG, HK, US, UK, EEA |  |
| **Buyer country/region** | India |  |
| **Product features** | **Payment type** | Card |
| **Card brand** | Visa, Mastercard, Diners |  |
| **Card type** | No limit |  |
| **Processing currency** | INR |  |
| **Other** | **3D** | ✔️ |
| **Authorization validity period** | 7 days |  |
| **Minimum payment amount** | 1 INR |  |
| **Maximum payment amount** | 2,500,000 INR |  |
| **Recurring payments (MIT)** | ❌ |  |
| **Multiple partial captures** | ✔️ |  |
| **Partial capture** | ✔️ |  |
| **Refund** | ✔️ |  |
| **Partial refund** | ✔️ |  |
| **Refund period** | 180 days |  |
| **Chargeback/Dispute** | ✔️ |  |
| **Advanced AVS check** | ❌ |  |

## User experience {#iGetY}

 This section shows the user experience of Indian cards in different scenarios:

<!-- TabGroup -->

**Tab: First-time payment**

<!-- TabGroup -->

**Tab: Web**

![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/b81918bc-6576-4fa9-b832-008d37165322.png)

**Tab: WAP**

![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/1dcbb0f6-0ce8-4213-ac7b-7063bf616508.png)

<!-- /TabGroup -->
 1. The buyer selects Indian cards to pay.
2. The buyer is redirected to PayU's payment page.
3. The buyer inputs the card information.
4. The buyer is redirected to the issuer's 3DS authentication page.
5. After authentication is finished, the buyer is redirected to the merchant result page.

**Tab: Subsequent payments**

<!-- TabGroup -->

**Tab: Web**

![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/57582f93-2e91-483c-a312-a5e1ed5958a0.png)

**Tab: WAP**

![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/67e777eb-acb3-483f-b89c-5ed8e01127b4.png)

<!-- /TabGroup -->
 1. The buyer selects Indian cards to pay.
2. The buyer is redirected to PayU's payment page.
3. The buyer selects the saved card.
4. The buyer is redirected to the issuer's 3DS authentication page.
5. After authentication is finished, the buyer is redirected to the merchant result page.

<!-- /TabGroup -->
 > **[INFO]** **Note**    : Indian cards support card-on-file payments. Buyers can choose to save their card details during the first payment, and for subsequent payments, they can select a saved card to complete the transaction quickly without re-entering card information. Follow the   [integration step](https://docs.antom.com/ac/cashierpay/indian_card.md#7JsTm)   to enable the card-on-file feature.

## Supported online payment integrations {#ErDRY}

 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/indian_card.md) ✔️  [Server-to-server API-only](https://docs.antom.com/ac/cashierpay/cardinfocallmerchant.md) ❌    Hosted Checkout Page ❌    Embedded Checkout Page ❌    Mobile Element ❌    Web Element ❌    Payment links |
| Tokenized Payment | ❌ |
| Subscription Payment | ❌ |
| EasySafePay | ❌ |
| Scan to Link | ❌ |

## Integration considerations {#WSu1f}

 To ensure a smooth payment process and provide the best experience for your buyers, please note the   [integration recommendations when initiating an authorized payment](https://docs.antom.com/ac/cashierpay/indian_card.md#7JsTm)  :

 - Buyer information prefilling: When calling the   [**pay (One-time Payments)**](https://docs.antom.com/ac/ams/payment_cashier.md)   API   , pass the buyer information parameters to allow buyers to directly enter the payment process without any additional steps.
- Travel industry considerations: If you are a travel industry merchant, it is strongly recommended that you pass the buyer information parameters when calling the   [**pay (One-time Payments)**](https://docs.antom.com/ac/ams/payment_cashier.md)   API to pre-fill the relevant information on the Indian cards intermediate page, eliminating the need for buyers to manually enter it.