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
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Albania
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Algeria
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American Samoa
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Andorra
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Angola
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Anguilla
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Antigua and Barbuda
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Argentina
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Armenia
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Aruba
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Australia
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Austria
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Azerbaijan
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Bahamas
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Bahrain
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Bangladesh
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Barbados
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Belgium
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Belize
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Benin
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Bermuda
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Bhutan
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Bolivia
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Bonaire, Saba and Sint Eustatius
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Bosnia and Herzegovina
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Botswana
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Bouvet Island
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Brazil
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Brunei
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Bulgaria
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Burkina Faso
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Burundi
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Cambodia
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Cameroon
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Canada
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Cape Verde
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Cayman Islands
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Central African Republic
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Chad
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Chile
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China
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Christmas Island
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Cocos (Keeling) Islands
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Colombia
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Comoros
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Cook Islands
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Costa Rica
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Croatia
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Cyprus
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Czech Republic
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Denmark
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Djibouti
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Dominican Republic
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Dominica
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Ecuador
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Egypt
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El Salvador
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Eswatini
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Equatorial Guinea
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Eritrea
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Estonia
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Ethiopia
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Falkland Islands
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Faroe Islands
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Fiji
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Finland
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France
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French Guiana
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French Polynesia
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French Southern Territories
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Gabon
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Gambia
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Georgia
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Germany
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Ghana
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Gibraltar
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Greece
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Greenland
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Grenada
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Guadeloupe
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Guam
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Guatemala
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Guernsey
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Guinea-Bissau
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Guinea
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Haiti
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Heard Island and McDonald Islands
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Honduras
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Hong Kong
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Hungary
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Iceland
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India
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Indonesia
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Iraq
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Ireland
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Isle of Man
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Israel
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Italy
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Jamaica
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Japan
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Jersey
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Jordan
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Kazakhstan
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Kenya
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Kiribati
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Kuwait
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Kyrgyzstan
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Laos
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Latvia
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Lebanon
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Lesotho
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Liberia
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Libya
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Liechtenstein
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Lithuania
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Luxembourg
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Macao
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Macedonia
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Madagascar
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Malawi
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Malaysia
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Maldives
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Mali
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Malta
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Marshall Islands
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Martinique
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Mauritania
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Mauritius
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Mayotte
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Mexico
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Micronesia
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Moldova
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Monaco
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Mongolia
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Montenegro
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Montserrat
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Morocco
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Mozambique
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Myanmar
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Namibia
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Nauru
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Nepal
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Netherlands Antilles
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New Caledonia
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New Zealand
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Nicaragua
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Nigeria
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Niger
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Niue
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Norfolk Island
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Northern Mariana Islands
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Norway
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Oman
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Pakistan
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Palau
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Panama
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Papua New Guinea
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Paraguay
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Peru
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Philippines
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Pitcairn
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Poland
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Portugal
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Puerto Rico
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Qatar
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Réunion
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Romania
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Rwanda
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Saint Helena
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Saint Kitts and Nevis
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Saint Lucia
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Saint Martin
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Saint Pierre and Miquelon
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Saint Vincent and The Grenadines
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Samoa
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San Marino
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São Tomé and Príncipe
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Saudi Arabia
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Senegal
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Serbia
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Seychelles
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Sierra Leone
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Singapore
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Sint Maarten
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Slovakia
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Slovenia
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Solomon Islands
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Somalia
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South Africa
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South Georgia and the South Sandwich Islands
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South Korea
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Spain
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Sri Lanka
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Suriname
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Sweden
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Switzerland
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Taiwan
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Tajikistan
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Tanzania
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Thailand
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Togo
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Tokelau
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Tonga
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Trinidad and Tobago
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Tunisia
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Turkey
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Turkmenistan
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Turks and Caicos Islands
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Tuvalu
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Uganda
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Ukraine
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United Arab Emirates
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United Kingdom
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United States Minor Outlying Islands
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United States
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Uruguay
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Uzbekistan
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Vanuatu
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Vatican City
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Venezuela
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Vietnam
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Virgin Islands (British)
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Virgin Islands (U.S.)
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Wallis and Futuna
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Western Sahara
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Yemen
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Zambia
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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)
- Belize dollar (BZD)
- Bermudian dollar (BMD)
- Bhutanese ngultrum (BTN)
- Boliviano (BOB)
- Bosnia and Herzegovina convertible mark (BAM)
- Botswana pula (BWP)
- Brazilian real (BRL)
- Brunei dollar (BND)
- Bulgarian lev (BGN)
- Burundian franc (BIF)
- Cambodian riel (KHR)
- Canadian dollar (CAD)
- Cape Verde escudo (CVE)
- Cayman Islands dollar (KYD)
- CFA franc BCEAO (XOF)
- CFA franc BEAC (XAF)
- CFP franc (franc Pacifique) (XPF)
- Chilean peso (CLP)
- Chinese yuan (CNY)
- Colombian peso (COP)
- Comoro franc (KMF)
- Congolese franc (CDF)
- Costa Rican colon (CRC)
- Croatian kuna (HRK)
- Cuban peso (CUP)
- Czech koruna (CZK)
- Danish krone (DKK)
- Djiboutian franc (DJF)
- Dominican peso (DOP)
- East Caribbean dollar (XCD)
- Egyptian pound (EGP)
- Eritrean nakfa (ERN)
- Ethiopian birr (ETB)
- Euro (EUR)
- Falkland Islands pound (FKP)
- Fiji dollar (FJD)
- Gambian dalasi (GMD)
- Georgian lari (GEL)
- Gibraltar pound (GIP)
- Guatemalan quetzal (GTQ)
- Guinean franc (GNF)
- Guyanese dollar (GYD)
- Haitian gourde (HTG)
- Honduran lempira (HNL)
- Hong Kong dollar (HKD)
- Hungarian forint (HUF)
- Indian rupee (INR)
- Indonesian rupiah (IDR)
- Iranian rial (IRR)
- Iraqi dinar (IQD)
- Israeli new shekel (ILS)
- Jamaican dollar (JMD)
- Japanese yen (JPY)
- Jordanian dinar (JOD)
- Kazakhstani tenge (KZT)
- Kenyan shilling (KES)
- Kuwaiti dinar (KWD)
- Kyrgyzstani som (KGS)
- Lao kip (LAK)
- Lebanese pound (LBP)
- Lesotho loti (LSL)
- Liberian dollar (LRD)
- Libyan dinar (LYD)
- Macanese pataca (MOP)
- Macedonian denar (MKD)
- Malagasy ariary (MGA)
- Malawian kwacha (MWK)
- Malaysian ringgit (MYR)
- Maldivian rufiyaa (MVR)
- Mauritanian ouguiya (MRO)
- Mauritian rupee (MUR)
- Mexican peso (MXN)
- Moldovan leu (MDL)
- Mongolian tugrik (MNT)
- Moroccan dirham (MAD)
- Mozambican metical (MZN)
- Myanmar kyat (MMK)
- Namibian dollar (NAD)
- Nepalese rupee (NPR)
- Netherlands Antillean guilder (ANG)
- New Taiwan dollar (TWD)
- New Zealand dollar (NZD)
- Nigerian naira (NGN)
- Norwegian krone (NOK)
- Omani rial (OMR)
- Pakistani rupee (PKR)
- Panamanian balboa (PAB)
- Papua New Guinean kina (PGK)
- Peruvian nuevo sol (PEN)
- Philippine peso (PHP)
- Polish zloty (PLN)
- Pound sterling (GBP)
- Qatari riyal (QAR)
- Romanian new leu (RON)
- Rwandan franc (RWF)
- Saint Helena pound (SHP)
- Samoan tala (WST)
- Saudi riyal (SAR)
- Serbian dinar (RSD)
- Seychelles rupee (SCR)
- Sierra Leonean leone (SLL)
- Singapore dollar (SGD)
- Solomon Islands dollar (SBD)
- Somali shilling (SOS)
- South African rand (ZAR)
- South Korean won (KRW)
- Sri Lankan rupee (LKR)
- Surinamese dollar (SRD)
- Swazi lilangeni (SZL)
- Swedish krona/kronor (SEK)
- Swiss franc (CHF)
- Tajikistani somoni (TJS)
- Tanzanian shilling (TZS)
- Thai baht (THB)
- Tongan paʻanga (TOP)
- Trinidad and Tobago dollar (TTD)
- Tunisian dinar (TND)
- Turkish lira (TRY)
- Ugandan shilling (UGX)
- Ukrainian hryvnia (UAH)
- United Arab Emirates dirham (AED)
- United States dollar (USD)
- Uruguayan peso (UYU)
- Uzbekistan som (UZS)
- Vanuatu vatu (VUV)
- Vietnamese dong (VND)
- Yemeni rial (YER)
- Zambian kwacha (ZMW)
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 HostedCheckoutAPI
Hosted Tokenization Page
Add the following properties to a standard Create Payment 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