Cards
Card payments allow Payers to pay using credit or debit cards through Yugo's hosted checkout with 3D Secure support.
API value: payment.method = card
Authorization Flow
- The Payer is redirected to Yugo Checkout
- The Payer enters their card details on the secure hosted form
- If required, the Payer completes 3D Secure (3DS) authentication
- The card issuer authorizes the payment and returns the Payer to the Merchant
Processing Timeline
| Stage | Timing |
|---|---|
| Authorization | Real-time |
| Fund receipt by Yugo | Up to 3 business days |
| Crypto delivery (On-Ramp) | Typically day 4 |
Dispute Behavior
Card payments are subject to chargebacks. Key details:
- The dispute window is up to 120 days from the transaction date
- When a dispute is raised, Yugo debits the transaction funds
- For On-Ramp settlements, 90% of the crypto amount is released initially; the remaining 10% is held for 180 days as a chargeback reserve
- The
DISPUTEDstatus applies to Card Payins
warning
Unlike open banking, card payments carry chargeback risk. Plan your fund management accordingly.
Supported Solutions
Cards are available as a payment method in:
- On-Ramp Payins — settle as crypto to Yugo Balance
Related Payment Methods
Apple Pay and Google Pay are also processed via card networks and share the same settlement timing, dispute behavior, and status lifecycle.