Visa & Mastercard Cards for all
Two schemes, one acquiring setup.
DaoPay acts as the merchant acquirer for both Visa and Mastercard. Merchants accept and process card transactions under one acquiring relationship, with DaoPay supporting the payment flow from authorisation through settlement and ongoing payment operations.
Both schemes are covered in full below — the profile, the payment experiences, the customer journey and where each one wins.
Visa at a glance.
Visa is a core global card rail: credit, debit and prepaid acceptance for everyday, high-value and recurring digital payments. Through DaoPay as acquirer, it runs under one acquiring relationship from authorisation to settlement. The profile below shows where it fits.
- Type
- International credit, debit and prepaid card scheme
- Payment category
- Card
- Primary market
- Global
- Currencies
- Broad multi-currency acceptance, according to the merchant’s acquiring setup
- Recurring support
- Yes: stored credentials and subscription billing
- Best for
- E-commerce, subscriptions, travel, retail, marketplaces and digital services
Visa Overview
Visa is a global card payment network connecting cardholders, issuing banks, merchants and acquirers. Customers can pay with Visa-branded credit, debit or prepaid cards they already use for everyday spending.
For merchants, Visa delivers a consistent core payment experience across domestic and international markets. The same credential can support a one-time purchase, a saved-card checkout or an agreed recurring payment relationship.
Visa also supports tokenised digital payments, helping merchants create faster returning-customer experiences while protecting the underlying card information.
The customer enters a Visa credential and completes any authentication requested by the issuing bank.
The familiar card checkout, for one-time purchases across domestic and international markets.
With customer consent, a tokenised credential can support faster future purchases and one-click-style checkout.
Payment tokens stand in for the card details, streamlining returning-customer checkout.
The customer establishes a subscription or repeat-billing relationship and later payments follow the agreed schedule.
Stored-credential billing within scheme rules — for subscriptions, memberships and repeat services.
The Visa customer journey.
Six steps from card entry to a confirmed order — recurring services continue on the stored credential.
- 01
Select card payment
The customer selects card payment and enters or chooses a Visa credential.
- 02
Authorisation request
The merchant checkout submits the transaction for authorisation.
- 03
Authentication where required
The customer’s issuing bank may request additional authentication.
- 04
Approve
The customer approves the purchase using the issuer’s required method.
- 05
Back to the merchant
The customer returns to the merchant experience and the order proceeds.
- 06
Recurring continues
For agreed recurring services, later payments can use the established stored credential.
Visa market coverage.
Visa is designed for broad international acceptance. Merchants can use it as a core payment option across markets, customer segments and basket sizes, with the exact currencies and transaction parameters defined by their acquiring arrangement.
Where Visa wins.
Strong fit
- International and cross-border e-commerce
- Subscriptions, memberships, SaaS and recurring services
- Travel, hospitality, retail and ticketing
- Marketplaces and platforms serving diverse customer bases
- Returning-customer checkout using saved or tokenised credentials
Additional merchant positives
- Immediate recognition
- Customers see a globally familiar card brand at checkout.
- Flexible billing
- One-off, saved-card and recurring models can use the same underlying payment rail.
- International reach
- A core method for merchants selling across multiple countries and currencies.
- Tokenisation opportunity
- Network tokens can support streamlined digital payment experiences.
Mastercard at a glance.
Mastercard is a core global card rail: credit, debit and prepaid acceptance across web, app and in-store commerce, with stored-credential and recurring billing where the customer agrees. Through DaoPay as acquirer, it runs under one acquiring relationship from authorisation to settlement. The profile below shows where it fits.
- Type
- International credit, debit and prepaid card scheme
- Payment category
- Card
- Primary market
- Global
- Currencies
- Broad multi-currency acceptance, according to the merchant’s acquiring setup
- Recurring support
- Yes: stored credentials and subscription billing
- Best for
- E-commerce, subscriptions, travel, retail, marketplaces and digital services
What Mastercard is.
Mastercard is a global card payment network connecting cardholders, issuing banks, merchants, acquirers and payment providers. Customers pay with Mastercard-branded credit, debit or prepaid cards across web, app and physical commerce.
For merchants, Mastercard provides a familiar, scalable payment rail for local and international customers. It supports standard card checkout as well as stored-credential and recurring-payment use cases when authorised by the customer.
Mastercard’s tokenisation capabilities can replace sensitive card details with payment tokens, supporting digital commerce and smoother returning-customer experiences.
The customer enters or selects a Mastercard credential and completes the issuer’s required authentication.
The familiar card checkout, for one-time purchases across web, app and in-store commerce.
A tokenised credential can be associated with the customer account for faster repeat purchasing.
Payment tokens stand in for the card details, streamlining returning-customer checkout.
Subscriptions and repeat billing can continue under the customer’s agreed payment terms.
Stored-credential billing within scheme rules — for memberships, subscriptions and instalments.
The Mastercard customer journey.
From card entry to authorisation and back — with recurring billing continuing on the stored credential.
- 01
Select card payment
The customer selects card payment and enters or chooses a Mastercard credential.
- 02
Authorisation request
The transaction is submitted to the customer’s issuing bank for authorisation.
- 03
Authentication where required
Additional authentication may be requested according to the transaction and market.
- 04
Approve
The customer approves the payment through the issuer’s required flow.
- 05
Back to the merchant
The customer returns to the merchant experience and proceeds with the order.
- 06
Recurring continues
For agreed recurring services, subsequent payments can use the established stored credential.
Mastercard market coverage.
Mastercard provides broad international acceptance and is suitable as a core card option across markets, currencies and customer segments. Exact currency, settlement and transaction settings follow the merchant’s acquiring arrangement.
Where Mastercard wins.
Strong fit
- International and cross-border e-commerce
- Subscriptions, memberships and recurring digital services
- Travel, hospitality, ticketing and retail
- Marketplaces and platforms with diverse customer bases
- High-frequency repeat purchasing using saved credentials
Additional merchant positives
- Global familiarity
- Customers recognise Mastercard across a wide range of markets.
- Payment-model flexibility
- Supports one-time, stored-credential and recurring payment relationships.
- Digital-first capability
- Tokenised credentials can streamline web and app checkout.
- Core checkout coverage
- Suitable for low, medium and high-value commerce across many sectors.