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To stay competitive in the e-commerce market, online sellers need to integrate the best payment gateway which allows the customers to pay for their Discover card payment purchases. In this article, we will introduce you to the Discover card payment options and Discover payment gateway. If you want to explore the world of Discover payment and how to accept Discover online payment, it is time to get on board with us.
How to pay with a Discover card?
Discover is a credit card brand issued primarily in the United States. It was introduced by Sears in 1985. When launched, Discover did not charge an annual fee and offered a higher-than-average credit limit, features that were disruptive to the existing credit card industry.
Discover is a closed credit card network, this means it acts as the acquiring bank themselves. Therefore, it allows for less flexibility, but the transaction fees for the acquiring bank are exclusive in the closed network.
Discover is a digital banking and Discover card payments services company.
Discover provides banking and Discover card payment products that help people achieve their goals–from establishing good Discover card payment, to paying for a college education to consolidating debt. In Discover card payment networks connect banks, cardmembers, and merchants around the world with innovative commerce solutions.
Today, Discover card payments are among the most widely accepted card payments in the world, along with Visa, MasterCard, and American Express. Discover card payments are accepted in the United States by 99% of the places that take credit cards. Internationally, Discover card payments are accepted in 200 countries.
Find the Discover card payment that suits your demands.
Discover it® Cash Back Card: Earn 5% cash back in rotating categories each quarter like gas, restaurants, and more - up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
Discover it® Chrome Card: Students can establish Discover card payment while earning 2% at gas stations and restaurants on up to $1,000 in combined purchases each quarter.
Discover it® Miles Card: Earn 1.5x Miles for every dollar spent on purchases and enjoy all the benefits of Discover card payment.
Discover it® Secured Card: Build a Discover card payment history while earning cash back on all purchases.
Discover it® Business Card: Simple, smart, and built for business, cardmembers earn 1.5% cash back on every dollar spent on all purchases.
The Discover contactless card helps you make fast, easy, and secure payments.
The Discover contactless card helps you pay with Discover card fast, easily, and securely at checkout. To make a Discover payment, you simply tap your Discover contactless card at checkout. The card can also be inserted into the card reader or swiped, in the event the cashier or the card reader indicates you should do so. The Discover contactless card uses a similar technology to EMV chip cards. It creates a unique one-time code for each Discover contactless card transaction to help prevent Discover payment fraud.
To pay with Discover card, follow the step-by-step instruction below:
Step 1: Look for this on the back of your Discover contactless card.
Step 2: Look for this on the card reader at checkout.
Step 3: Simply hover your Discover contactless card near the card reader for 2-3 seconds to process the Discover contactless card payment.
Step 4: Get your confirmation and go.
Setting up PayCEC’s Discover payment gateway to accept Discover online payments.
You can collect Discover online payments by integrating Discover payment gateway, but first you need to get a merchant account, which is required to process Discover online payments, and move funds from your customer's issuing institution to your business bank account, once their Discover online payments are authorized and ready to be settled by your acquirer.
Once you’re done, you can experience various advanced security features of the PayCEC’s Discover payment gateway, such as: 3D secure, Tokenization, and PCI DSS which help minimize fraud and add more layers of protection to every Discover online payment. Now, you are no longer afraid of losing customers due the lack of Discover card payment options.
Discover payment gateway acts as a middleman for the online e-commerce store and the payment processor. In simple words, it can be understood in a way as soon as a customer enters the payment details on the e-commerce website, here, the Discover payment gateway is responsible for sending the Discover payment card details with utmost security to the Discover payment processor.
Make sure that you understand how the PayCEC’s Discover payment gateway works. We will simplify the procedure into 7 steps:
PayCEC’s Discover payment gateway is extremely crucial to maintain customer loyalty.
PayCEC’s Discover payment gateway assures error-free computations and a much faster processing time. It means that customers will no longer have to deal with traffic jams, parking spaces, or wait in lengthy queues at the counter, they can shop and pay with Discover card from the comfort of their homes with just a few clicks. Besides, PayCEC’s Discover payment gateway offers the highest level of sensitive data protection in order to deliver greater customer confidence.
From the customer’s perspective, the Discover payment process should be extremely smooth that he or she only needs to click the button and get the Discover payment transaction completed in a fraction of a second. Customers seem to remain loyal to the platforms that provide them with a seamless experience with regard to making Discover payments as well. Therefore, setting up PayCEC’s Discover payment gateway is extremely crucial to maintain customer loyalty.
PayCEC’s Discover payment gateway offers simple integration.
PayCEC’s Discover payment gateway delivers a hassle-free integration process without the need of IT expertise, so that merchants who have no coding speciality can save a lot of time in the integration process.
PayCEC’s Discover payment gateway delivers round-the-clock support.
PayCEC’s Relationship Management is on-hand 24/7 to support you whenever you need.
PayCEC’s Discover payment gateway guarantees optimal security.
PayCEC’s Discover payment gateway avoids sophisticated scams, and diminishes the chances of fraud and errors through powerful security features, such as: 3D secure, Tokenization, and PCI DSS compliance to lessen the ratio of the consumers’ attempts to pay with Discover card being rejected.
While online shopping is on the rise, so is online credit fraud. To help protect Discover online payment transactions from online fraud, Discover offers three easy-to-deploy solutions designed to be used in a layered approach. From pre-authorization to post-fulfillment, your business and customers are protected.
With Discover online payment protection, online merchants can deliver an optical customer experience while maintaining control of each transaction. Let’s take a deeper look at each of these three powerful solutions.
ProtectBuy
It is a Three Domain Secure (3DS) customer authentication solution that validates consumer identity at time of purchase, and provides a real-time required action for high-risk Discover online payment.
Verify+:
Validate customer information directly against Discover cardholder data at time of the transaction. Verify+ quickly pinpoints high-risk Discover online payment to help you make more informed Discover payments approvals, without disrupting the customer experience.
Fraud Alerts:
Receive an earlier warning of fraudulent Discover payments allowing you to take quick action. Get immediate notification of fraudulent activity and access transaction details to stop order fulfillment, cancel shipments, or return purchases from shippers.
PayCEC’s Discover payment gateway was established in response to the growing need of businesses to accept Discover online payment more quickly and easily. In the digital era, our payment flow has evolved to work seamlessly and effectively across all platforms and devices. We pride ourselves on combining superior technology with first-class customer service.
PayCEC’s Discover payment gateway is a truly global payments platform that not only allows customers to get paid instantly and securely, but also withdraws funds to their business accounts in various currencies.
We have created an open and secure payments ecosystem that entrepreneurs and businesses choose to securely transact with each other online and on any device. We proudly maintain the highest level of client advocacy in the industry.
Due to the Discover payment method processed online, this transaction is a type of electronic payment, and will be accepted or declined in seconds.
On the other hand, the time for an online Discover credit card payment to be taken to post is different between Cardmembers:
You can find your Discover credit card account number by looking at the 16 digits code on the front of your card.
If you have a virtual or digital card, you can check the card number by signing into the card issuing bank's or institution's mobile app.
Discover card number format:
The first digit is known as the Major Industry Identifier (MII). Number 6 represents Merchandising and Banking(Discover).
These are known as the card's Issuer Identification Number (IIN) or Bank Identification Number (BIN), and they help to identify which credit card institution issued the card and which card network it belongs to.
Except for the final digit, the seventh and all remaining digits in a card number indicate the card's individual account. Your account number could be as little as nine digits or as long as twelve.
A checksum is the last digit of a credit card number. It's a code that determines whether or not a credit card is valid. A procedure known as the Luhn Algorithm generates the "check number" or "key".
Discover card number format:
The first digit is known as the Major Industry Identifier (MII). Number 6 represents Merchandising and Banking(Discover).
These are known as the card's Issuer Identification Number (IIN) or Bank Identification Number (BIN), and they help to identify which credit card institution issued the card and which card network it belongs to.
Except for the final digit, the seventh and all remaining digits in a card number indicate the card's individual account. Your account number could be as little as nine digits or as long as twelve.
A checksum is the last digit of a credit card number. It's a code that determines whether or not a credit card is valid. A procedure known as the Luhn Algorithm generates the "check number" or "key".
Discover is a consumer credit card company known for its low fees and cash-back rewards program. Discover Financial offers its cards directly to its consumers, skipping intermediary bank issuers, and thereby earns interest on their credit card balances directly. Discover has an additional incentive, given its business model, to encourage its consumers to borrow more on their cards than on those of their competitors.
Discover Financial receives interest from its credit card consumers, as well as payment processing fees from merchants who accept the Discover card as payment. Visa, on the other hand, makes money from its payments network but not from the credit card balances of its customers. Discover's business model resembles that of American Express, which is also a direct issuer, in this sense.
Discover Bank, previously the Greenwood Trust Company, issues the majority of Discover cards. The Discover Network payment network is used to handle Discover transactions. Discover Financial Services bought Pulse, an electronic money transfer network, in 2005, giving it the ability to advertise and issue debit and ATM cards. Discover Financial Services said in February 2006 that, thanks to the acquisition of Pulse, it will begin selling Discover debit cards to other financial institutions.
Here's a list of big banks that normally allow you to get cash over the counter with a Discover card and photo ID. Because participation varies by area, we strongly advise confirming with your local bank before making the trip:
An e-payment or Electronic Payment system allows customers to pay for the services via electronic methods. They are also known as online payment systems
Discover offers e-payment service that enables customers to pay online at merchant checkout websites. Besides, card holders can connect Discover cards with e-wallets like Apple Pay, Google Pay, Paypal, etc. to pay online for their purchases.
Firstly, you need to check whether your Discover card has a contactless feature by checking the symbol of contactless tap to pay Discover on the card.
Secondly, activate your Discover card and then you can start to make payment at any restaurant or shop that accepts Discover contactless payment with the symbol of contactless on the card reader. Simply tap the card on the surface of the reader and the transaction will complete in seconds.
Thirdly, download the digital wallet like Apple Pay or Google Pay, and link your Discover card information to the app. Simply wave your phone over the card reader and wait for the beep the next time you want to make a contactless transaction in-store.
To close or cancel your Discover card payment you can call direct line 1800 347 2683 (1-800-Discover)
For further information, you can visit Discover Help Center.
Your Discover internet payment was being returned due to billing errors.
With 20+ global alliances with other networks, issuers and payments organizations, Discover collectively expands its reach and open acceptance to millions of global cardholders.
Tap and pay is a contactless technology of Discover payment service. Card holders can quickly tap and pay with their contactless cards at the contactless POS terminal.
To use the tap and pay feature on Discover, simply hover your card near the reader for 2–3 seconds, get your confirmation and go. It is compulsory for your Discover card and the reader to have the contactless symbol - .
Secondly, you can connect the tap and pay feature to a digital wallet by adding your contactless card to Apple Pay, Samsung Pay, or Google Pay, so you can tap your device to the reader at checkout.
You may use your Discover Card to purchase at Amazon, Ebay, Home depot, etc., order food from nearby restaurants and coffee shops, pay for expenses and utilities like subscription services, donate to nonprofit organization sites, add it to digital wallets like Apple Pay and Google Pay, save it in payment services like PayPal, and much more online.
Yes. You can make payment in store by inserting the EMV chip on the card to the POS terminal or using the contactless technology on the card and tap to the contactless terminal.
Additionally, you can pay online by providing your card details on the online checkout platform of the merchants or using Discover® Click to Pay.
Last but not least, there are various types of digital wallets that connect directly to your Discover credit card, and you can make payment easily with contactless mobile payment or pay online with Apple Pay, Google Pay and Paypal.
It is obvious that if the stores that you are having a purchase don’t offer credit card checkout even in-store or online, that is absolutely not a place for using a Discover card. Sometimes, there are many shops that provide multiple payment methods for consumers, however, they have not partnered with Discover network yet, as a result, your Discover card payments are not accepted.
Discover is accepted in 99% of shops that accept credit cards across the United States. In addition, the Discover Global Network has acceptance in over 200 nations and territories, with more on the way.
Discover found it was challenging to catch up to the other three major credit card networks (Visa, Mastercard, Amex) when it was launched in 1986. Since then, its merchant acceptance has increased by millions.
Yes it does. The cardmembers can tap their Discover cards at card readers with the Contactless Symbol to pay at millions of stores using contactless technology, and they'll continue to earn rewards on every purchase. Besides, cardmembers are also able to add their contactless card to Apple Pay, Samsung Pay, or Google Pay, so they can tap the device to the reader at checkout.
Yes, It does. The Discover company offers for cardmembers the technology of contactless Discover® Card. Customers will feel safer at checkout when avoiding touching the card reader and much more convenient with tap and pay with digital wallet on mobile devices.
You're ready to tap and pay if you see the Contactless Indicator on the back of your Discover card. You can obtain a free contactless card if you don't see it. Simply activate your new card whenever it arrives, and you're ready to use.
Furthermore, your account number, card number, and card verification value (CVV) will remain unchanged, so there will be no need to update any saved card information.
It is obvious that if the stores that you are having a purchase don’t offer credit card checkout even in-store or online, that is absolutely not a place for using a Discover card. Sometimes, there are many shops that provide multiple payment methods for consumers, however, they have not partnered with Discover network yet, as a result, your Discover card payments are not accepted.
Discover is accepted in 99% of shops that accept credit cards across the United States. In addition, the Discover Global Network has acceptance in over 200 nations and territories, with more on the way.
Discover found it was challenging to catch up to the other three major credit card networks (Visa, Mastercard, Amex) when it was launched in 1986. Since then, its merchant acceptance has increased by millions.
Yes, It does. Discover allows customers to tap and pay securely with their card. Customers love the convenience of contactless payments. Discover company helps businesses simplify sales and let issuers enable fast, easy and secure payment experiences for their cardholders.
When it comes to ecommerce, the online shops that integrate payment gateway which accept Discover card payment is where you can make a purchase with Discover card.
PayCEC is a payment gateway provider that offers multiple payment methods for merchants to exceed customer expectations and enhance user experience with Discover payment acceptance online.
Yes, you can. The Discover debit card enables you to pay online at many ecommerce sites like Amazon, Ebay, Walmart or Fiverr etc. and online shopping, groceries, gas, streaming services, home improvement, travel, utilities, bills, app store purchases and much more. By paying with Discover debit card, you also earn reward points or cashback same as the Discover credit card.
Furthermore, the Discover debit cards are also accepted at ATM points when you need to withdraw cash. You can manage your Discover debit card on a mobile app, temporarily block the card when you lose it to protect your money.
You can easily make a payment with your Discover cards even if they are credit or debit cards. Below are types of Discover card using:
We are honored to serve as your reliable business partner and financial service provider in the industry and other business-related services. With the help of our professional staff, to help merchants to achieve their goals for the development and expansion of the international business market.
Our payment flow has developed in the e-commerce world to perform seamlessly and effectively across all platforms and devices. We take pleasure in combining technology with customer service, to solve your concerns at the moment.
PayCEC is a fully worldwide payment network that not only allows merchants to be paid immediately and securely, but also allows them to withdraw money in multiple currencies to their company accounts.