Visa & Mastercard
Card acceptance built for merchants.
Two schemes, one acquiring setup.
DaoPay is the merchant acquirer for both Visa and Mastercard. You accept and process card transactions under one acquiring relationship, and DaoPay supports the payment flow from authorisation through settlement as well as your ongoing payment operations.
Both schemes are covered in full below: the profile, the payment experiences, the customer journey and where each one fits best.
Visa at a glance.
Visa is a core global card rail for credit, debit and prepaid cards, used for everyday, high-value and recurring digital payments. With DaoPay as acquirer, Visa 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 your acquiring setup
- Recurring support
- Yes: stored credentials and subscription billing
- Best for
- E-commerce, subscriptions, travel, retail, marketplaces and digital services
How Visa works
Visa is a global card payment network that connects cardholders, issuing banks, merchants and acquirers. Your customers can pay with the Visa-branded credit, debit or prepaid cards they already use for everyday spending.
For merchants, Visa offers a consistent core payment experience in domestic and international markets. The same credential can carry a one-time purchase, a saved-card checkout or an agreed recurring payment relationship.
Visa also supports tokenised digital payments: a token stands in for the card details, so returning customers can pay again while the underlying card information stays protected.
The customer enters their Visa card details and completes any authentication the issuing bank requests.
The familiar card checkout for one-time purchases in domestic and international markets.
With the customer’s consent, a tokenised credential can be used for future purchases, including one-click-style checkout.
Payment tokens stand in for the card details and simplify checkout for returning customers.
The customer sets up 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.
How customers pay with Visa.
Six steps from card entry to a confirmed order. Recurring services then continue on the stored credential.
- 01
Select card payment
The customer selects card payment, then enters Visa card details or picks a saved card.
- 02
Authorisation request
The merchant checkout submits the transaction for authorisation.
- 03
Issuer authentication
The customer’s issuing bank may request additional authentication.
- 04
Customer approves
The customer approves the purchase using the issuer’s required method.
- 05
Back to the merchant
The customer returns to your checkout and the order proceeds.
- 06
Repeat charges on file
For agreed recurring services, later payments can use the established stored credential.
Visa market coverage.
Visa is built for broad international acceptance. You can use it as a core payment option across markets, customer segments and basket sizes; your acquiring arrangement defines the exact currencies and transaction parameters.
Where it fits best.
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
What Visa adds for merchants
- Brand recognition
- Customers see a globally familiar card brand at checkout.
- Flexible billing
- One-off, saved-card and recurring models can run on the same underlying payment rail.
- International reach
- A core method for merchants selling across several countries and currencies.
- Network tokens
- A token stands in for the card details in digital payments.
Mastercard at a glance.
Mastercard is a core global card rail for credit, debit and prepaid cards across web, app and in-store commerce, with stored-credential and recurring billing where the customer agrees. With DaoPay as acquirer, Mastercard 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 your acquiring setup
- Recurring support
- Yes: stored credentials and subscription billing
- Best for
- E-commerce, subscriptions, travel, retail, marketplaces and digital services
How Mastercard works.
Mastercard is a global card payment network that connects cardholders, issuing banks, merchants, acquirers and payment providers. Your customers pay with Mastercard-branded credit, debit or prepaid cards across web, app and physical commerce.
For merchants, Mastercard is a familiar payment rail that scales for local and international customers. It supports standard card checkout as well as stored-credential and recurring payments when the customer has authorised them.
Mastercard’s tokenisation can replace sensitive card details with payment tokens, supporting digital commerce and a simpler checkout for returning customers.
The customer enters or selects their Mastercard card and completes the authentication the issuer requires.
The familiar card checkout for one-time purchases across web, app and in-store commerce.
A tokenised credential can be linked to the customer account for quicker repeat purchases.
Payment tokens stand in for the card details and simplify checkout for returning customers.
Subscriptions and repeat billing can continue on the payment terms the customer agreed.
Stored-credential billing within scheme rules, for memberships, subscriptions and instalments.
How customers pay with Mastercard.
From card entry to authorisation and back. Recurring billing then continues on the stored credential.
- 01
Select card payment
The customer selects card payment, then enters Mastercard card details or picks a saved card.
- 02
Authorisation request
The transaction is submitted to the customer’s issuing bank for authorisation.
- 03
Issuer authentication
The issuer may request additional authentication, depending on the transaction and market.
- 04
Customer approves
The customer approves the payment through the issuer’s required flow.
- 05
Back to the merchant
The customer returns to your checkout and proceeds with the order.
- 06
Repeat charges on file
For agreed recurring services, later payments can use the stored credential already in place.
Mastercard market coverage.
Mastercard offers broad international acceptance and works as a core card option across markets, currencies and customer segments. Your acquiring arrangement sets the exact currency, settlement and transaction settings.
Where it fits best.
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
What Mastercard adds for merchants
- Global familiarity
- Customers recognise Mastercard across a wide range of markets.
- Payment-model flexibility
- Supports one-time, stored-credential and recurring payment relationships.
- Tokenised checkout
- Tokenised credentials can simplify web and app checkout.
- Core checkout coverage
- Suitable for low, medium and high-value commerce across many sectors.