Cards
Cards are the most widely used payment method in Zotlo. This page explains supported card networks, 3D Secure behavior, card storage, and how card payments work across the Merchant of Record (MoR) and Connected PSP models.
Supported Card Networks
Zotlo supports all major global card schemes:
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPay
Card availability and acceptance depend on the issuing bank, region, and the billing model used (MoR or PSP).
Security & Tokenization
Zotlo never stores raw card data such as full card numbers or CVV. All sensitive card information is handled and stored exclusively by PCI DSS–compliant payment partners.
Zotlo stores only non-sensitive tokens or payment method references returned by these partners. These tokens are used safely for:
Subscription renewals
One-click checkout
Retry and dunning flows
Future charges without re-entering card details
3D Secure (3DS)
Zotlo supports 3D Secure (3DS) for card authentication and fraud prevention.
3DS is automatically triggered when required by the card issuer.
Frictionless flows may occur when the issuer approves them.
In regions where additional authentication requirements apply (e.g., Europe/UK under SCA rules), 3DS is used to meet these requirements via our payment partners or your PSP.
Zotlo displays the 3DS UI when needed and continues the payment flow seamlessly after authentication.
Card Payments in MoR
The behavior of card payments depends on whether you use Zotlo’s MoR or your own PSP.
Merchant of Record (MoR)
Card processing is handled by Zotlo’s authorized payment partners
Tokens are returned by partners, Zotlo stores only non-sensitive identifiers
3DS and authentication flows are managed automatically
Chargebacks, risk checks, and compliance are handled under the MoR framework
Funds are paid out by Zotlo to the merchant
Connected PSP
Card processing follows your PSP’s rules and capabilities
Tokens are stored inside your PSP’s vault; Zotlo stores only the reference token
3DS and authentication behavior depend on your PSP’s configuration
Chargebacks and compliance are handled by your PSP
Funds settle directly into your PSP merchant account
When to Use Cards
Cards are ideal when you need:
Global coverage with a single integration
Subscription billing with renewals
One-click checkout using saved payment methods
Robust retry logic to reduce failed payments
Cards offer the highest acceptance across apps, SaaS products, digital content, and memberships.
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