Allow specific funding

Learn how to restrict the funding of a card. e.g. debit or credit.

Overview

One of the attributes of a card in card payments is the type of funding. The funding of the cards used by your customer can be either debit or credit.

Debit cards allow customers to spend money by pulling funds from their bank account. In contrast, credit cards allow customers to borrow money from the card issuer up to a certain credit limit. These two funding types behave differently when used in online payments.

The allow specific funding feature adjusts the payment intent's behavior when processing card payments. For example, if your use case only allows credit (or debit) cards, you can instruct the payment intent to do so.

warning

Card brand acceptance suppression rules are mandates established by major networks—such as Visa, Mastercard, Discover, and American Express—that define when a merchant may limit the use of certain card types, such as debit or credit cards, for specific transaction flows. These rules are typically applied in cases where product behavior differs—such as pre-authorization transactions, installments, or recurring payments—where certain card types may not provide an optimal or reliable customer experience. To remain compliant, merchants must clearly communicate these limitations to customers and ensure that any restriction is based on legitimate product or operational requirements, and never used to unfairly discriminate against cardholders.

Allow specific card funding in your integration

When creating a payment intent, you can add a payload attribute called payment_method_options to specify the allowed card funding before your customer completes a card payment.

Integrating payments

If you don't know yet how to integrate payments, please refer to this guide

Node

create_payment_intent.js

// Protect your PayRex Secret API key at all costs. One common approach
// to store it in an environment variable.
// Add your PayRex test secret API key.
const payrexSecretApiKey = '';

const payrex = require('payrex-node')(payrexSecretApiKey);

// Create a PaymentIntent with amount and currency
const paymentIntent = await payrex.paymentIntents.create({
  // Amount is in cents. The sample below is 100.00.
  amount: 10000,
  currency: 'PHP',
  payment_method_options: {
    card: {
      // To only allow credit card and not debit card
      allowed_funding: ['credit']
    }
  },
  payment_methods: ['card'],
});

const output = {
  clientSecret: paymentIntent.clientSecret,
}

console.log(JSON.stringify(output));

PHP

create_payment_intent.php

<?php

require_once '../vendor/autoload.php';

// Protect your PayRex Secret API key at all costs. One common approach
// to store it in an environment variable.
// Add your PayRex test secret API key.
$payrexSecretApiKey = '';
$payrex = new \Payrex\PayrexClient($payrexSecretApiKey);

// Create a PaymentIntent with amount and currency
$paymentIntent = $payrex->paymentIntents->create([
  // Amount is in cents. The sample below is 100.00.
  'amount' => 10000,
  'currency' => 'PHP',
  'payment_method_options': [
    'card': [
      // To only allow credit card and not debit card
      'allowed_funding': ['credit']
    ]
  ],
  'payment_methods' => [
      'card'
  ],
]);

$output = [
  'clientSecret' => $paymentIntent->client_secret,
];

echo json_encode($output);

Python

create_payment_intent.py

from payrex import Client as PayrexClient

# Protect your PayRex Secret API key at all costs. One common approach
# to store it in an environment variable.
# Add your PayRex test secret API key.
payrex_secret_api_key = ''
payrex = PayrexClient(payrex_secret_api_key)

# Create a PaymentIntent with amount and currency
payment_intent = payrex.payment_intents.create(
    {
        # Amount is in cents. The sample below is 100.00.
        'amount': 10000,
        'currency': 'PHP',
        'payment_method_options': {
          'card': {
            # To only allow credit card and not debit card
            'allowed_funding': ['credit']
          }
        },
        'payment_methods': [
            'card',
            'gcash'
        ]
    }
)

output = {
    'client_secret': payment_intent.client_secret
}

print(output)

Ruby

create_payment_intent.rb

require "payrex-ruby"

# Protect your PayRex Secret API key at all costs. One common approach
# to store it in an environment variable.
# Add your PayRex test secret API key.
payrex_secret_api_key = ""
payrex = Payrex::Client.new(payrex_secret_api_key)

# Create a PaymentIntent with amount and currency
payment_intent = payrex.payment_intents.create(
  # Amount is in cents. The sample below is 100.00.
  amount: 10000,
  currency: "PHP",
  payment_method_options: {
    card: {
      # To only allow credit card and not debit card
      allowed_funding: ['credit']
    }
  },
  payment_methods: [
    "card"
  ]
)

output = {
  clientSecret: payment_intent.client_secret
}

puts output.to_json

With the code above, you are instructing that card payment processed by Payment Intent should only allow credit cards and not debit. The payment form will return an error if the customer uses a card where the funding is debit.