URL: /baas/corex/features/sct08-external-cards

---
title: "SCT08 - External Bank Cards"
description: "Integration with external card networks for payment processing"
---

# SCT08 - Usage of External Bank Cards

Integration with external card networks for payment processing, enabling card-based transactions on your platform.

## Overview

This capability enables your platform to accept and process payments from external bank cards, including credit, debit, and prepaid cards from major card networks.

## Features

| Feature | Description |
|---------|-------------|
| **Card Registration** | Secure card enrollment and storage |
| **Transaction Processing** | Process card payments and refunds |
| **3D Secure** | Strong customer authentication (SCA) |
| **Recurring Payments** | Subscription and recurring billing |
| **Card Tokenization** | Secure card data storage |

## Supported Card Networks

| Network | Card Types |
|---------|------------|
| **Visa** | Credit, Debit, Prepaid |
| **Mastercard** | Credit, Debit, Prepaid |
| **American Express** | Credit, Corporate |
| **Discover** | Credit, Debit |
| **UnionPay** | Credit, Debit |

## Configuration Options

| Level | Card Types | Features |
|-------|------------|----------|
| **Basic** | Limited (Visa, MC debit only) | Standard transaction limits |
| **Standard** | Full support | 3D Secure, recurring payments |
| **Advanced** | All networks | Enhanced security, specialized cards |

## Card Processing Flow

```mermaid
sequenceDiagram
    participant Customer
    participant Platform
    participant 3DS Server
    participant Card Network
    participant Issuer
    
    Customer->>Platform: Enter Card Details
    Platform->>Platform: Tokenize Card
    Platform->>3DS Server: 3D Secure Check
    3DS Server->>Customer: Authentication Challenge
    Customer->>3DS Server: Authenticate
    3DS Server->>Platform: Auth Result
    Platform->>Card Network: Process Payment
    Card Network->>Issuer: Authorize
    Issuer->>Card Network: Approved
    Card Network->>Platform: Confirmation
    Platform->>Customer: Payment Complete
```

## Security Features

| Feature | Description |
|---------|-------------|
| **PCI DSS Compliance** | Full PCI DSS Level 1 certification |
| **Tokenization** | Card data replaced with secure tokens |
| **3D Secure 2.0** | Frictionless and challenge flows |
| **Fraud Detection** | Real-time fraud scoring |
| **Velocity Controls** | Transaction limits and velocity checks |

## Use Cases

- **E-commerce Payments**: Online card payments
- **In-App Purchases**: Mobile card transactions
- **Subscription Billing**: Recurring card charges
- **Card-to-Wallet**: Fund wallet from external card
- **Refunds**: Return funds to original card

## Integration with Other Capabilities

| Capability | Integration |
|------------|-------------|
| **SCT03 - Country of Operation** | Available card networks per country |
| **SCT09 - Multi-Currency** | Multi-currency card processing |
| **SCT11 - Compliance** | Card fraud monitoring |

## Subscription Tier Availability

| Tier | Configuration Level |
|------|---------------------|
| Starter | Not included |
| Professional | Standard |
| Enterprise | Advanced |
| Custom | Configurable |