PayChangu allows you to charge both local cards (issued in your country of operations) and International cards using our APIs. When charging cards with PayChangu, you have to take card authentication methods into account. This is primarily how the user who is meant to pay you authenticates their transaction e.g. using a one-time pin (OTP), a card internet PIN (i-Pin), or an address verification system (AVS) or without any authentication set.

We automatically detect the authentication model to be used by the card and send a response requiring you to pass the needed parameter for that authentication model.