# Cards

Glomo enables businesses to securely accept card payments, supporting major networks like Visa, Mastercard, and AMEX. Payments are protected with industry-standard security protocols such as 3D Secure to minimize fraud. Transactions are processed in real-time, delivering immediate confirmation of payment status

### Customer Journey

1. **Enter Card Details**
  - The customer enters their card number, expiry date, CVV, and billing details on the checkout screen.
2. **Authentication (3DS/OTP)**
  - The customer is redirected to their bank’s authentication page.
  - Depending on the bank and regulations, they may be asked to complete an OTP or other 3D Secure verification
3. **Authorization**
  - Once authenticated, the issuing bank verifies the payment details and shares the authorization result with the card network.
  - Glomo receives the authorization response via its partners.
4. **Payment Confirmation**
  - The customer sees a confirmation screen showing whether the payment succeeded or failed, along with the option to retry the payment.
  - The merchant is notified instantly of the payment status through the dashboard and APIs.


### Benefits

- **Familiar payment method**: Widely used by customers for both domestic and international transactions.
- **Instant authorization**: Customers and merchants receive immediate confirmation of payment status.
- **Built-in protections**: Support for 3D Secure and network risk checks.
- **Merchant tools**: Real-time transaction reporting, refund initiation, and settlement tracking through the Glomo dashboard.


### Test card details

| Card Number | Gateway | OTP | Payment Result | Expiry Month | Expiry Year | CVV | Country |
|  --- | --- | --- | --- | --- | --- | --- | --- |
| 3466 2411 1111 1111 | American Express | No | Success | any | any | any | IN |
| 3469 1222 2222 2222 | American Express | Yes | Success | any | any | any | IN |
| 3490 8811 1111 1112 | American Express | No | Failure | any | any | any | IN |
| 3790 8022 2222 2223 | American Express | Yes | Failure | any | any | any | IN |
| 4916 5311 1111 1111 | Mastercard | No | Success | any | any | any | IN |
| 4376 7022 2222 2222 | Mastercard | Yes | Success | any | any | any | IN |
| 4532 2711 1111 1112 | Mastercard | No | Failure | any | any | any | IN |
| 4556 8222 2222 2223 | Mastercard | Yes | Failure | any | any | any | IN |
| 4532 4911 1111 1111 | Visa | No | Success | any | any | any | IN |
| 4532 4422 2222 2222 | Visa | Yes | Success | any | any | any | IN |
| 4556 8911 1111 1112 | Visa | No | Failure | any | any | any | IN |
| 4597 2622 2222 2223 | Visa | Yes | Failure | any | any | any | US |
| 4111 1111 1111 1111 | Visa | No | Success | any | any | any | IN |


### FAQs

1. **What card networks are supported?**
Glomo supports major card networks such as Visa, Mastercard and Amex.
2. **How secure are card payments?**
All card transactions go through 3D Secure (3DS/OTP) where mandated, ensuring an extra layer of protection. Glomo is PCI DSS compliant and adopts industry leading practices in storing data.
3. **How long does it take for refunds to reflect?**
Refunds initiated by Glomo usually take 4–7 business days to reflect on the customer’s card statement, depending on the issuing bank.
4. **Why was a payment marked as failed even though the customer was charged?**
If Glomo does not receive the authorization response in time, the payment may be marked as failed. In such cases, once reconciliation confirms the success, Glomo automatically refunds the payment.
5. **Can customers retry a failed card payment?**
Yes. Customers can retry the payment by re-entering their card details or using an alternative card. If the failure was due to bank-side issues (e.g., insufficient funds), retrying after resolving the issue should succeed.
6. **Are there transaction amount limits?**
Yes. Glomo currently enforces a maximum transaction limit of USD 16,000 (or the equivalent in other currencies) for card payments. In addition, individual banks and card networks may impose their own daily or per-transaction limits. If a transaction exceeds these limits, the payment may be declined by the bank or card issuer, even if it is within Glomo’s limits.