Discover
Intro
Discover is a credit card introduced by the US company Sears in 1985.
Operating within the Discover Global Network, Discover has gained 100 million users worldwide, of which 57 million are located in the USA. Since 2006, Discover is also issued as a debit card.
To mitigate fraud and dispute-handling costs, Discover implements ProtectBuy as their version of 3-D Secure.
Countries & currencies
Supported countries
-
Albania
-
Algeria
-
American Samoa
-
Andorra
-
Angola
-
Anguilla
-
Antigua and Barbuda
-
Argentina
-
Armenia
-
Aruba
-
Australia
-
Austria
Azerbaijan
Bahamas
Bahrain
Bangladesh
Barbados
Belgium
Belize
Benin
Bermuda
Bhutan
Bolivia
Bonaire, Saba and Sint Eustatius
Bosnia and Herzegovina
Botswana
Bouvet Island
Brazil
Brunei
Bulgaria
Burkina Faso
Burundi
Cambodia
Cameroon
Canada
Cape Verde
Cayman Islands
Central African Republic
Chad
Chile
China
Christmas Island
Cocos (Keeling) Islands
Colombia
Comoros
Cook Islands
Costa Rica
Croatia
Cyprus
Czech Republic
Denmark
Djibouti
Dominican Republic
Dominica
Ecuador
Egypt
El Salvador
Eswatini
Equatorial Guinea
Eritrea
Estonia
Ethiopia
Falkland Islands
Faroe Islands
Fiji
Finland
France
French Guiana
French Polynesia
French Southern Territories
Gabon
Gambia
Georgia
Germany
Ghana
Gibraltar
Greece
Greenland
Grenada
Guadeloupe
Guam
Guatemala
Guernsey
Guinea-Bissau
Guinea
Haiti
Heard Island and McDonald Islands
Honduras
Hong Kong
Hungary
Iceland
India
Indonesia
Iraq
Ireland
Isle of Man
Israel
Italy
Jamaica
Japan
Jersey
Jordan
Kazakhstan
Kenya
Kiribati
Kuwait
Kyrgyzstan
Laos
Latvia
Lebanon
Lesotho
Liberia
Libya
Liechtenstein
Lithuania
Luxembourg
Macao
Macedonia
Madagascar
Malawi
Malaysia
Maldives
Mali
Malta
Marshall Islands
Martinique
Mauritania
Mauritius
Mayotte
Mexico
Micronesia
Moldova
Monaco
Mongolia
Montenegro
Montserrat
Morocco
Mozambique
Myanmar
Namibia
Nauru
Nepal
Netherlands Antilles
New Caledonia
New Zealand
Nicaragua
Nigeria
Niger
Niue
Norfolk Island
Northern Mariana Islands
Norway
Oman
Pakistan
Palau
Panama
Papua New Guinea
Paraguay
Peru
Philippines
Pitcairn
Poland
Portugal
Puerto Rico
Qatar
Réunion
Romania
Rwanda
Saint Helena
Saint Kitts and Nevis
Saint Lucia
Saint Martin
Saint Pierre and Miquelon
Saint Vincent and The Grenadines
Samoa
San Marino
São Tomé and Príncipe
Saudi Arabia
Senegal
Serbia
Seychelles
Sierra Leone
Singapore
Sint Maarten
Slovakia
Slovenia
Solomon Islands
Somalia
South Africa
South Georgia and the South Sandwich Islands
South Korea
Spain
Sri Lanka
Suriname
Sweden
Switzerland
Taiwan
Tajikistan
Tanzania
Thailand
Togo
Tokelau
Tonga
Trinidad and Tobago
Tunisia
Turkey
Turkmenistan
Turks and Caicos Islands
Tuvalu
Uganda
Ukraine
United Arab Emirates
United Kingdom
United States Minor Outlying Islands
United States
Uruguay
Uzbekistan
Vanuatu
Vatican City
Venezuela
Vietnam
Virgin Islands (British)
Virgin Islands (U.S.)
Wallis and Futuna
Western Sahara
Yemen
Zambia
Zimbabwe
Supported currencies
- Albanian lek (ALL)
- Algerian dinar (DZD)
- Angolan kwanza (AOA)
- Argentine peso (ARS)
- Armenian dram (AMD)
- Aruban florin (AWG)
- Australian dollar (AUD)
- Azerbaijani manat (AZN)
- Bahamian dollar (BSD)
- Bahraini dinar (BHD)
- Bangladeshi taka (BDT)
- Barbados dollar (BBD)
Integration
We offer this payment methods for the following integration modes. Learn in our dedicated guides about their individual differences:
Find a high level overview in the "Process flows" chapter.
Depending on the integration mode, differences apply:
Hosted Checkout Page
Add the following properties to a standard CreateHostedCheckout request:
{
"HostedCheckoutSpecificInput": {
"ReturnUrl": "https://yourReturnUrl.com"
},
"Order": {
"AmountOfMoney": {
"Amount": 100,
"CurrencyCode": "EUR"
}
}
}
| Properties | Remarks |
|---|---|
|
hostedCheckoutSpecificInput.returnURL |
The URL we redirect your customers to after the payment has been finalised. |
|
order.amountOfMoney |
amount: The gross amount you want to charge for this order. |
Find detailed information about this object and its properties in our CreateHostedCheckoutAPI.
Hosted Tokenization Page
Add the following properties to a standard CreatePayment request (including mandatory 3-D Secure properties) after you have tokenised the card:
{
"CardPaymentMethodSpecificInput": {
"Token": "tokenId",
"ThreeDSecure": {
"RedirectionData": {
"ReturnUrl": "https://yourRedirectionUrl.com"
}
}
},
"Order": {
"AmountOfMoney": {
"Amount": 100,
"CurrencyCode": "EUR"
},
"Customer": {
"Device": {
"AcceptHeader":
"text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,*/*;q=0.8,application/signed-exchange;v=b3",
"Locale": "en_EN",
"TimezoneOffsetUtcMinutes": -180,
"UserAgent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/75.0.3770.142 Safari/537.36",
"Browserdata": {
"ColorDepth": 24,
"JavaScriptEnabled": false,
"ScreenHeight": "1080",
"ScreenWidth": "1920"
}
}
}
}
}
| Properties | Remarks |
|---|---|
|
cardPaymentMethodSpecificInput.token |
Token: The tokenised credit card credentials you have received by tokenising the credentials/getting the token. Learn more in our dedicated Hosted Tokenization Page guide. |
|
cardPaymentMethodSpecificInput.threeDSecure |
returnURL: The URL we redirect your customers to after the payment has been finalised. |
|
order.amountOfMoney |
amount: The gross amount you want to charge for this order. |
|
customer.device |
Minimum properties to comply with SCA for 3-D Secure authentication. Check our dedicated guide to learn how to request 3-D Secure correctly and our API reference for more information about the properties. |
Find detailed information about this object and its properties in our HostedTokenizationAPI/ CreatePaymentAPI.
Server-to-server
Add the following properties to a standard CreatePayment request (including mandatory 3-D Secure properties):
{
"CardPaymentMethodSpecificInput": {
"PaymentProductId": XXX,
"SkipAuthentication": false,
"Card": {
"CardholderName": "John Doe",
"CardNumber": "0000000000000000",
"Cvv": 123,
"ExpiryDate": 1236
},
"ThreeDSecure": {
"RedirectionData": {
"ReturnUrl": "https://yourRedirectionUrl.com"
}
}
},
"Order": {
"AmountOfMoney": {
"Amount": 100,
"CurrencyCode": "EUR"
},
"Customer": {
"Device": {
"AcceptHeader": "text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,*/*;q=0.8,application/signed-exchange;v=b3",
"Locale": "en_EN",
"TimezoneOffsetUtcMinutes": -180,
"UserAgent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/75.0.3770.142 Safari/537.36",
"Browserdata": {
"ColorDepth": 24,
"JavaScriptEnabled": false,
"ScreenHeight": "1080",
"ScreenWidth": "1920"
}
}
}
}
}
| Properties | Remarks |
|---|---|
|
cardPaymentMethodSpecificInput.paymentProductId cardPaymentMethodSpecificInput.card cardPaymentMethodSpecificInput.ThreeDSecure |
paymentProductId: The numeric identifier of the payment method on our platform. Find this id in the "Overview" chapter.
returnURL: The URL we redirect your customers to after the payment has been finalised. |
|
order.amountOfMoney |
amount: The gross amount you want to charge for this order. |
|
customer.device |
Minimum properties to comply with SCA for 3-D Secure authentication. Check our dedicated guide to learn how to request 3-D Secure correctly and our API reference for more information about the properties. |
Find detailed information about this object and its properties in our CreatePaymentAPI.
Process flows
We offer this payment method for all our integration modes. Regardless of the mode you choose, the flow follows some basic steps as described below. Learn in our dedicated guides about the individual differences:
- Your customers finalise an order in your shop and select this payment method.
- You send a CreateHostedCheckout/CreatePayment request to our platform. Depending on your integration mode, differences apply. Check out the “Integration” chapter to find examples for each mode.
- Our platform sends you a response with instructions for the next steps of the flow.
- Your customers provide their credit card number and are redirected to their issuer for 3-D Secure authentication.
- Our system receives the 3-D authentication result from the issuer.
- We process the transaction and receive the result from the acquirer.
- We redirect your customer to your returnUrl
- You request the transaction result from our platform via GetPayment or receive the result via webhooks.
- If the transaction was successful, you can deliver the goods / service.
Testing
Refer to our Test cases for test data and detailed instructions.
Make sure to use the right endpoint and switch back to the live URL as soon as you have finished your tests.