Cards

Card payments are enabled by default on all verified Nomod accounts. Customers pay by entering their card details at checkout, and payments are processed in real time.

Supported networks

Nomod accepts debit, credit, prepaid, and corporate cards from the following networks. All networks are enabled automatically when card payments are active on your account.

	Network	Description
	Visa	The most widely held card in the UAE. Covers the majority of your customers.
	Mastercard	The second most widely held card in the UAE. Covers most of your customers alongside Visa.
	American Express	Common among corporate cardholders and high-spend consumers. Amex cardholders typically spend more per transaction than Visa or Mastercard holders.
	Mada	Saudi Arabia's national debit network. Covers customers paying with locally issued Saudi bank cards.
	Discover	Primarily held by customers from the United States.
	UnionPay	The primary card network for customers from China.
	JCB	The primary card network for customers from Japan.
	Diners Club	Common among frequent international business travellers, particularly for travel and hospitality spend.
	Maestro	A European debit network common among customers from Germany, Austria, and the Netherlands.
	Bancontact	Belgium's primary debit network. Covers customers paying with Belgian bank cards.
	Carte Bancaire	France's national card network, co-branded on most French bank cards alongside Visa or Mastercard.
	OmanNet	Oman's national debit network. Covers customers paying with locally issued Omani bank cards.

How card payments work at checkout

1. The customer enters their card number, expiry date, and CVV
2. Nomod submits the payment to the card network for authorisation
3. If required, the customer completes a 3D Secure (3DS) authentication step, which is usually a one-time code sent by their bank
4. The payment is authorised or declined in real time
5. If authorised, Nomod marks the order as paid, and the customer sees a confirmation

Declined payments

Card payments can be declined for several reasons, including insufficient funds, incorrect card details, card restrictions, or the bank flagging the transaction as suspicious. Nomod displays a generic decline message to the customer and prompts them to try a different card or payment method.

Troubleshooting

A payment was declined: Ask the customer to check that their card details are correct and that the card has not expired. If the details are correct, the decline is likely coming from their bank. Ask them to contact their card issuer directly or try a different payment method.

3D Secure is not completing: If the customer does not receive a one-time code from their bank, ask them to check that their registered mobile number is up to date with their bank. If the issue persists, they should contact their bank directly.

A refund has not been received: Refund processing time depends on the customer's card issuer. If the customer has not received their refund after ten business days, contact our support team.