Discover
Discover card is a leading payment card provider in the United States, known for its competitive rates, attractive rewards program, and excellent customer service. Discover is available and widely accepted by merchants across the US market and enjoys broad acceptance worldwide through partnerships with various international payment networks.
Properties
The properties of the Discover payment method are shown in the following table:
Availability | Acquirer | 2C2P HK | AlipayUS |
Acquiring region | HK | US | |
Buyer country/region | Global | Global | |
Product features | Payment type | CARD | CARD |
Card brand | Discover | Discover | |
Payment flow | Redirect | Redirect | |
Payment completion | Real-time | Real-time | |
Currency | Processing currency | See the Processing and settlement currencies table | USD |
Settlement currency | USD | ||
Other | Settlement region | HK | US |
Settlement cycle | T+4 | T+4 | |
3D | ✔️ | ✔️ | |
Authorization validity period | 7 days | 7 days To reduce costs, we recommend that you initiate a request to capture or cancel the authorization within 3 days. | |
Minimum transaction amount | The smallest unit of the acquirer currency | 0.01 USD or equal amounts | |
Max transaction amount | 499,999 USD or equal amounts | 9,999,999.99 USD | |
Checkout Payment | ✔️ | ✔️ | |
Auto Debit | ❌ | ✔️ | |
Multiple partial captures | ❌ | ❌ | |
Partial capture | ✔️ | ✔️ | |
Overdraft capture | ❌ | ❌ | |
Refunds | ✔️ | ✔️ | |
Partial refunds | ✔️ | ✔️ | |
Chargeback | ✔️ | ✔️ | |
Refund period | 365 days | 365 days | |
Installment | ❌ | ❌ |
Processing and settlement currencies for 2C2P HK
Processing currency | Settlement currency |
AED, CAD, CHF, CNY, DKK, EUR, GBP, HKD, IDR, JPY, KRW, KZT, LKR, MOP, MYR, NOK, NPR, NZD, OMR, PKR, SEK, SGD, THB, TWD, UAD, USD | HKD |
User experience
This section shows the user experience of Discover in different scenarios:
API-only integration
This section shows the difference in user experience between those PCI and non-PCI qualified under the API integration.
PCI qualified
This section shows the difference between the first-time and subsequent payments under the PCI qualified.
First-time payment
This section shows the difference between Web and app when users make the first-time payment under the PCI qualified.
Subsequent payments
This section shows the difference between Web and app when users make the subsequent payments under the PCI qualified.
Non-PCI qualified
This section shows the difference between the first-time and subsequent payments under the non-PCI qualified.
First-time payment
This section shows the difference between Web and app when users make the first-time payment under the non-PCI qualified.
Subsequent payments
This section shows the difference between Web and app when users make the subsequent payments under the non-PCI qualified.
SDK integration
This section shows the difference between the first-time and subsequent payments under the SDK integration.
First-time payment
This section shows the difference between Web and app when users make the first-time payment under the SDK integration.
Subsequent payments
This section shows the difference between Web and app when users make the subsequent payments under the SDK integration.
