# Visa

> Visa is accepted at merchant locations worldwide.

 Visa credit card is issued jointly by issuing banks and VISA Inc., featuring the Visa logo. Visa is accepted at merchant locations worldwide. As the largest global card network by transaction value, Visa provides services across the globe and promotes itself as "the best way for everyone to pay and receive money".

## Properties {#3fZhB}

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

 | **Availability** | **Acquirer** | AntomSG | AntomHK | AntomEU | AntomUK | AntomUS | AntomJP | 2C2P HK | 2C2P SG |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| **Merchant entity location** | SG, HK | HK | EEA | UK | US | JP | HK | SG |  |
| **Buyer country/region** | Global | Global | Global | Global | Global | Global | Global | Global |  |
| **Product features** | **Payment type** | Card | Card | Card | Card | Card | Card | Card | Card |
| **Card brand** | Visa | Visa | Visa | Visa | Visa | Visa | Visa | Visa |  |
| **Card type** | No limit | No limit | No limit | No limit | No limit | No limit | No limit | No limit |  |
| **Processing currency** | See the   [Processing currency for AntomSG](#HjFVL)   table | See the   [Processing currency for AntomHK](#zqCPX)   table | EUR, PLN, CHF, USD, GBP, HKD, SGD, JPY, AUD, CAD, NZD | EUR, GBP, USD, HKD, SGD, JPY, AUD, CAD, NZD, CHF, PLN, CZK, AED, DKK, SEK | USD | JPY | See the   [Processing currency for 2C2P HK](#OiZXN)   table | See the   [Processing currency for 2C2P SG](#getMD)   table |  |
| **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 currency multiplied by 2. (That is, if the currency is USD, the minimum is 2 cents, based on the smallest unit of 1 cent) | The minimum is 1 cent USD or established international currency equivalent | 1 JPY | The smallest unit of the acquirer currency |  |  |  |  |  |
| **Maximum payment amount** | Unlimited | 9,999,999.99 USD | Unlimited | 499,999 USD or equal amounts |  |  |  |  |  |
| **Recurring payments (MIT)** | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ❌ | ❌ | ❌ |  |
| **Partial capture** | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️    <sup>[1]</sup> | ✔️ | ✔️ |  |
| **Refund** | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ |  |
| **Partial refund** | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️    <sup>[2]</sup> | ✔️ | ✔️ |  |
| **Chargeback**     **/Dispute** | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ |  |
| **Refund period** | 365 days | 365 days | 365 days | 365 days | 365 days | 180 days | 365 days | 365 days |  |
| **Advanced AVS check** | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ❌ | ❌ | ❌ |  |
| **Supported plugins** | ✔️       [WooCommerce](https://docs.antom.com/ac/plugins/woocommerce.md) ✔️       [Shopify](https://docs.antom.com/ac/plugins/shopify.md) | None |  |  |  |  |  |  |  |

 [1] Partial capture is conditional and requires additional approval to be enabled.

 [2] Partial refund is conditional and requires additional approval to be enabled.

#### Installment {#InSTM}

 The installment properties of Visa 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 AntomSG {#HjFVL}

 | AED, AFN, ALL, AMD, AOA, ARS, AUD, AWG, AZN, BAM, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BRL, BSD, BTN, BWP, BZD, CAD, CDF, CHF, CLP, CNY, COP, CRC, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ETB, EUR, FJD, FKP, GBP, GEL, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HTG, HUF, IDR, ILS, INR, IQD, ISK, JMD, JOD, JPY, KES, KGS, KHR, KMF, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, LYD, MAD, MDL, MGA, MKD, MMK, MNT, MOP, MRU, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RWF, SAR, SBD, SCR, SDG, SEK, SGD, SHP, SOS, SRD, STN, SZL, THB, TJS, TMT, TND, TOP, TRY, TTD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VND, VUV, WST, XAF, XCD, XOF, XPF, ZAR, ZMW |
| --- |

#### Processing currency for AntomHK {#zqCPX}

 | AED, AFN, ALL, AMD, AOA, ARS, AUD, AWG, AZN, BAM, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BRL, BSD, BTN, BWP, BZD, CAD, CDF, CHF, CLP, CNY, COP, CRC, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ETB, EUR, FJD, FKP, GBP, GEL, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HTG, HUF, IDR, ILS, INR, IQD, ISK, JMD, JOD, JPY, KES, KGS, KHR, KMF, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, LYD, MAD, MDL, MGA, MKD, MMK, MNT, MOP, MRU, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RWF, SAR, SBD, SCR, SDG, SEK, SGD, SHP, SOS, SRD, STN, SZL, THB, TJS, TMT, TND, TOP, TRY, TTD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VND, VUV, WST, XAF, XCD, XOF, XPF, ZAR, ZMW |
| --- |

#### Processing currency for 2C2P HK {#OiZXN}

 | **Processing currency** |
| --- |
| HKD, USD, GBP, EUR, JPY, SGD, MOP |
| AED, AFN, ALL, AMD, ANG, AOA, ARS, AUD, AWG, AZN, BAM, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BRL, BSD, BTN, BWP, BYN, BZD, CAD, CDF, CHF, CLF, CLP, CNY, COP, CRC, CUP, CVE, CZK, DJF, DKK, DOP, DZD, EEK, EGP, ERN, ETB, EUR, FJD, FKP, GBP, GEL, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HTG, HUF, IDR, ILS, INR, IQD, IRR, ISK, JMD, JOD, JPY, KES, KGS, KHR, KMF, KRW, KWD, KYD, KZT, LAK, LKR, LRD, LSL, LTL, LVL, LYD, MAD, MDL, MGA, MKD, MMK, MNT, MOP, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGNvNIO, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RWF, SAR, SBD, SCR, SDG, SEK, SGD, SHP, SLE, SOS, SRD, STD, SVC, SYP, SZL, THB, TJS, TMT, TND,TOP, TRY, TTD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VEF, VND, VUV, WST, XAF, XCD, XOF, XPF, YER, ZAR, ZMW |

 > **[INFO]** **Note**    : If the merchant's TPV exceeds 1 million USD or that of the card association / acquiring bank of the card, the merchant must sign a tri-party agreement with 2C2P HK and the acquiring bank of the card.

#### Processing currency for 2C2P SG {#getMD}

 | **Processing currency** | **Acquiring bank of the card** |
| --- | --- |
| AUD, CAD, CHF, CNY, EUR, GBP, HKD, IDR, INR, JPY, KRW, LKR, MOP, MYR, NZD, PHP, SGD, THB, TWD, VND | UOB |
| AUD, CAD, CHF, CNY, EUR, GBP, HKD, IDR, INR, JPY, KRW, LKR, MOP, MYR, NZD, PHP, SGD, THB, TWD, USD, VND | UOB |
| HKD | UOB |
| AUD | MayBank |
| CAD | MayBank |
| EUR | MayBank |
| GBP | MayBank |
| HKD | MayBank |
| NZD | MayBank |
| SGD | MayBank |
| USD | MayBank |

 > **[INFO]** **Note**    : Acquiring banks support different currencies. 2C2P recommends acquiring banks to the merchant according to the merchant's needs. Each merchant in Singapore must sign the tri-party agreement with 2C2P SG and the acquiring bank.

## User experience {#eTt2B}

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

### API integration {#rggt6B}

 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**

<!-- TabGroup -->

**Tab: Web**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/d414831e-ba08-41de-a161-305cda27e917.png)

**Tab: App**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/53b778df-e14a-4003-88e1-8af56302d8cc.png)

<!-- /TabGroup -->

**Tab: Subsequent payments**

<!-- TabGroup -->

**Tab: Web**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/a62f965b-1384-4510-9476-51beb4a0df7e.png)

**Tab: App**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/0c35cb86-36a1-4060-be94-41dfa1c90daf.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**

<!-- TabGroup -->

**Tab: Web**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/107d38d2-c5d8-4935-93ad-0d8e570d0549.png)

**Tab: App**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/a2d91faf-dd7c-498a-acf3-5269f1383dfc.png)

<!-- /TabGroup -->

**Tab: Subsequent payments**

<!-- TabGroup -->

**Tab: Web**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/e01dd6d4-4e17-4790-9356-decfee91cb92.png)

**Tab: App**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/9ea220a0-9961-4b21-bf12-271330eeac8f.png)

<!-- /TabGroup -->

<!-- /TabGroup -->

<!-- /TabGroup -->

### SDK integration {#rtffe}

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

<!-- TabGroup -->

**Tab: First-time payment**

<!-- TabGroup -->

**Tab: Web**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/0bfb6165-5684-4c63-b5e2-ff9812c67159.png)

**Tab: App**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/cc8c57a2-81b3-46c2-9b98-737c0a26718e.png)

<!-- /TabGroup -->

**Tab: Subsequent payments**

<!-- TabGroup -->

**Tab: Web**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/6025ba22-3962-479a-9bd1-502caefa277a.png)

**Tab: App**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/f36822fe-f977-4503-a29e-d85d6d3bef44.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 {#rRkYR}

 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    <sup>[1]</sup> |
| Tokenized Payment | ❌ |
| Subscription Payment | For Acquirer AntomSG, AntomHK, and AntomUS: ✔️  [Hosted API-only](https://docs.antom.com/ac/subscriptionpay/cardcollant_subscription.md) ✔️  [Server-to-server API-only](https://docs.antom.com/ac/subscriptionpay/cardinfocallmerchant_subscription.md) ✔️  [Hosted Checkout Page](https://docs.antom.com/ac/subscriptionpay/HOSTEDCKP_subscription.md) ✔️ Embedded Checkout Page ✔️  [Web Element](https://docs.antom.com/ac/subscriptionpay/element_subscription.md) ✔️  [Mobile Element](https://docs.antom.com/ac/subscriptionpay/element_subscription.md) |
| EasySafePay | ❌ |
| Scan to Link | ❌ |

 [1] Payment links does not support installments.

## Integration considerations {#fey50}

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