Paddle Billing


Accept payments using credit and debit cards. No configuration required.

Credit and debit cards are the most popular way to pay online. Paddle supports all major types of card, including Visa, Mastercard, Maestro, American Express, UnionPay, Mada, JCB, Discover, and Diner's Club.

Paddle Checkout is designed to make it as easy as possible to pay with card. It presents the card form alongside other payment method options, validates fields before submit, formats card numbers automatically, and shows card type in the form.

You can accept payment by card right away when using Paddle.

Key features

Installment payments are between the purchasing customer and payment method issuer. When customers pay using installments, you receive the full amount as part of your payouts as normal. See: Installments

How it works

  1. Illustration showing an overlay checkout with a card payment form. The checkout is off-center, focused only on the card payment form fields.

    Customer enters card details at checkout

    Cards are always on for Paddle Checkout. The payment page presents the card form right away, alongside other payment method options.

  2. Illustration showing a sample 3DS2 authentication prompt. It includes a sample bank logo and MasterCard logo, followed by a total for $3600. At the bottom, there is a button that says 'Authenticate.'

    Customer authenticates

    Sometimes customers may be asked to authenticate a purchase using 3D Secure 2 (3DS2). Depending on the bank or card provider, customers may be prompted to enter code sent by SMS or using their banking app.

  3. Illustration showing a Paddle Checkout success screen. It has a large green checkmark.

    Payment complete!

    If successful, Paddle Checkout shows a success screen or enters your success workflow.

Accept cards

You don't need to do anything to start accepting payment by credit and debit cards. They're always enabled for your Paddle account.

Test cards

You can test cards using your Paddle sandbox account.

Open a checkout, then use these card details to test payment by card:

Card typeCard numberCVC
Valid Visa debit card4000 0566 5566 5556100
Valid card without 3DS4242 4242 4242 4242100
Valid card with 3DS4000 0038 0000 0446100
Declined card4000 0000 0000 0002100
Successful initial transaction, subsequent declined transactions4000 0027 6000 3184100

Enter any cardholder name and a valid expiry date in the future.

You can't use real card details when working with your Paddle sandbox account.

Related pages