--- page_title: Card transaction flow product: API Reference page_source: https://juspay.io/br/docs/api-reference-brazil/docs/express-checkout/card-transaction-flow llms_txt: https://juspay.io/br/docs/llms.txt product_llms_txt: https://juspay.io/br/docs/api-reference-brazil/llms.txt --- # Card Transaction Flow The card transaction flow enables customers to make secure payments using their credit or debit cards, providing a convenient and widely accepted method for transactions. The two different types of card transaction flow are: 1. **[New Card Transaction Flow](https://juspay.io/br/docs/api-reference-brazil/docs/express-checkout/card-transaction-flow#New-Card-Transaction-Flow)** **:** This flow allows customers to enter their card details during checkout for processing a payment. It is suitable for first-time users or customers who prefer to provide card information manually. 2. **[Saved Card Transaction Flow](https://juspay.io/br/docs/api-reference-brazil/docs/express-checkout/card-transaction-flow#Saved-Card-Transaction-Flow)** : With this flow, customers can conveniently complete transactions using their previously saved card details. It offers a streamlined checkout experience for returning customers, eliminating the need to re-enter card information. Both flows prioritize security and aim to provide a seamless payment experience for customers using card-based payments. ### **Integration Architecture** ![Image](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/blog/Juspay%E2%80%99s%20EC%20API%20-%20Card%20Integration%20-%20Flow%20Diagram%20(2).jpg) ### **New Card Transaction Flow** * This flow handles a user entering card details manually for the first time. **Step 1** : Call the**** **[Create Order API](https://juspay.io/br/docs/api-reference-brazil/docs/express-checkout/create-order-api)** [](https://juspay.io/br/docs/api-reference-brazil/docs/express-checkout/create-order-api)- To register the transaction amount and generate a unique **order_id** before any sensitive data is collected. Ensure that the return_url passed here is able to handle poll/display of order status. **Step 2:** Call the **[Transaction API](https://juspay.io/br/docs/api-reference-brazil/docs/express-checkout/credit--debit-card-transaction)** - Pass the Raw Card Details (Number, Expiry, Name) provided by the user. The transaction will reach a terminal state or expect a 3DS redirect URL. **Step 3:** Parse the response from the **[Transaction API](https://juspay.io/br/docs/api-reference-brazil/docs/express-checkout/credit--debit-card-transaction)** . 1. Look for a Pending/Authentication status (e.g., **PENDING_VBV** ). 2. If found, extract the Bank URL provided in the response. 3. Redirect the user's browser to this URL to complete the OTP step. Except the callback to the return_url sent in **[Create Order API](https://juspay.io/br/docs/api-reference-brazil/docs/express-checkout/create-order-api)** ). ### **Saved Card Transaction Flow** * This flow handles a returning user selecting a card they have previously stored or tokenized. **Step 1:** Call the **[List Cards API](https://juspay.io/br/docs/api-reference-brazil/docs/express-checkout/list-stored-cards)** - To fetch the **card_token** and masked numbers (e.g., "XXXX-1234") to display to the user on your checkout UI. **Step 2:** Call the **[Create Order API](https://juspay.io/br/docs/api-reference-brazil/docs/express-checkout/create-order-api)** (Same as New Card flow) - Generates the **order_id** for this specific payment attempt. **Step 3:** Call the **[Transaction API](https://juspay.io/br/docs/api-reference-brazil/docs/express-checkout/credit--debit-card-transaction)** - Ensure the API knows this is a "Tokenized" transaction so it doesn't look for a full card number. Instead of raw numbers, pass the Card Token (from Step 1) and the CVV (collected from the user). **Step 4:** Handle the 3DS Challenge - Same as Step 3 in the New Card flow (Check for Pending status -> Redirect to Bank URL). **Note:** If your system has a card management module, integrate the **[Add Card API](https://juspay.io/br/docs/api-reference-brazil/docs/express-checkout/add-card)** , **[Update Card API](https://juspay.io/br/docs/api-reference-brazil/docs/express-checkout/update-card)** , **[Delete Card API](https://juspay.io/br/docs/api-reference-brazil/docs/express-checkout/delete-card)** , **[List Stored Cards API](https://juspay.io/br/docs/api-reference-brazil/docs/express-checkout/list-stored-cards)** > **Error** > * **Compliance Check:** Merchants who are not PCI DSS compliant should refrain from using this API and consume our [PayV3.js](https://juspay.io/br/docs/payv3/web/overview/introduction)[](https://juspay.io/br/docs/payv3/web/overview/introduction)for cards. --- ## See Also - [Cance Transaction API](https://juspay.io/br/docs/api-reference-brazil/docs/express-checkout/cance-transaction-api) - [Credit / Debit Card transaction](https://juspay.io/br/docs/api-reference-brazil/docs/express-checkout/credit--debit-card-transaction)