# Payment methods

Source: <https://docs.gjold.com/learn/payment-methods>

Payers pay with a card, typed into the payment window or kept in Apple Pay or MobilePay. Which cards you can take depends on your acquiring agreements.

## Cards

A card belongs to a card scheme, its brand, which decides where it is accepted and on what rules. The API reports the brand of each payment's card, as one of these:

| Brand | What it is |
|---|---|
| `visa` | Visa, credit and debit. |
| `mastercard` | Mastercard, credit and debit. |
| `maestro` | Mastercard's debit brand. |
| `dankort` | The Danish debit card, which works in Denmark only. |
| `visadankort` | A Danish debit card that is both a Dankort and a Visa card. In Denmark it is paid as a Dankort; abroad as a Visa card. |
| `forbrugsforening` | The card of Forbrugsforeningen, a Danish members' club. |
| `amex` | American Express. |
| `diners` | Diners Club. |
| `discover` | Discover. |
| `jcb` | JCB. |
| `unionpay` | UnionPay. |

You can take a brand once you have an agreement with an acquirer for it, for example Visa and Mastercard through Clearhaus or Nets, and Dankort through Nets. The payment window takes only the cards that your agreements cover, and declines the others.

## Apple Pay

Apple Pay keeps the payer's cards on their iPhone, iPad, Mac, or Apple Watch, and pays with a token in place of the card number. The payer confirms each payment with Face ID, Touch ID, or their passcode, which counts as [3-D Secure](https://docs.gjold.com/learn/3-d-secure)'s strong authentication, so the bank asks for nothing more.

The payment window shows Apple Pay in Safari, and in browsers that Apple Pay supports, on devices with a card in Wallet. It runs under gjold's Apple merchant ID and domain, so you need no Apple developer account and no domain verification. Apple Pay takes the same brands as the card form, Dankort included.

## MobilePay

MobilePay is a wallet app, used widely in Denmark and Finland. The payer chooses MobilePay in the payment window, or is sent straight to it, and approves the payment in the app on their phone. The payment is then a card payment, on the card that the payer chose in the app.

## Saving a payment method

A payer can save a card, or Apple Pay, as a [stored credential](https://docs.gjold.com/learn/stored-credentials), which you can then charge without them. MobilePay can't be saved this way, so the payment window does not offer it when the payer is saving their payment details.