---
page_source: https://juspay.io/in/docs/ec-api/docs/base-integration/credit--debit-card-transaction
page_title: Credit / Debit Card transaction
---


# 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://docs.juspay.in/ec-api/docs/base-integration/credit--debit-card-transaction#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://docs.juspay.in/ec-api/docs/base-integration/credit--debit-card-transaction#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** 



1. [Call “Card Info” API](https://docs.juspay.in/api-reference/docs/express-checkout/card-info)**** - Get Card details using card bin. You can also use this API to check if a card is eligible for ATM PIN, Mandate or direct OTP payments.
2. [Call “Credit / Debit Card transaction” API](https://docs.juspay.in/api-reference/docs/express-checkout/credit--debit-card-transaction)**** - Call this API using Card details and cvv provided by the customer to initiate a card transaction


### **Saved Card Transaction Flow** 



1. [Call “List Card” API](https://docs.juspay.in/api-reference/docs/express-checkout/list-stored-cards) - List all the cards stored for a customer. This API gives back only card tokens and other metadata relevant to the cards stored against the customer.
2. [Call “Credit / Debit Card transaction” API](https://docs.juspay.in/api-reference/docs/express-checkout/credit--debit-card-transaction)**** - Call this API using card token and cvv provided by the customer to initiate a card transaction

> **Error**
> * **Compliance Check:**  Merchants who are not PCI DSS compliant should refrain from using this API and consume our [PayV3.js](https://docs.juspay.in/payv3/web/overview/introduction) for cards.
> * Card Security Code (CVV) is not required in case of Pluxee | Sodexo saved card and token transactions of VISA and MASTERCARD (Select issuing banks only). Refer to List Card API for further details