> For the complete index of the 402pay docs, see [llms.txt](https://developer.402pay.co/llms.txt).

# Card payments

Accept cards, Apple Pay and Google Pay through hosted checkout.

Offer card payments, Apple Pay and Google Pay through the same hosted checkout. Enable cards in Settings under Payments, create a payment or payment link, and send your customer to its URL. Available payment methods depend on the customer's location and the payment amount.

## At checkout

Checkout opens a secure payment page where the customer reviews the total and completes any required identity checks. Card details are entered there and are never sent to your integration. The checkout updates automatically and takes the customer to their receipt or your success page.

## Payment attempts

Checkout handles unsuccessful attempts and offers another try when available. A card approval alone does not mean the payment is complete. Fulfill the order after your server receives and verifies `payment.succeeded`, then reads the payment to confirm its status and amount. Use `payment.failed` and `failure_code` to handle a payment that could not complete.

## Deposit

You receive the payment in a supported coin and network. Its `settlement` field records the destination, amount and transaction. Its `method.rail` names the selected card or wallet payment method. Your integration uses the same payment status and webhooks for cards and crypto. Fees are recorded on your fee statement.

## Failure codes

| Code | Meaning |
| --- | --- |
| `card_declined` | The card was declined. |
| `verification_failed` | The required verification could not be completed. |
| `region_unsupported` | Card payments are unavailable in the customer's region. |
| `route_timeout` | The card payment did not complete in time. |
| `amount_out_of_range` | The amount is outside the available card-payment limits. |