Complete a card payment flow
This how-to guide walks through the full card path — seller setup, buyer checkout, approved or declined result, and post-payment review. Read PIX and card at checkout first for concepts.
Card usually returns approved or declined faster than PIX. Declines are checkout failures, not chargebacks. See card payment declines.
Part 1 — Seller setup (before the buyer pays)
- Confirm you are in the correct business workspace.
[Screenshot: App header — active business name and workspace switcher visible.]
- Open Products and select the product you are selling.
[Screenshot: Products list — target product row highlighted.]
- Open Pricing and select the plan and offer connected to your checkout.
[Screenshot: Pricing page — plan and offer list for the selected product.]
- Open the offer settings and confirm card is enabled as a payment method.
[Screenshot: Offer payment methods — card toggle enabled alongside PIX if applicable.]
- If using installments, confirm installment options match checkout copy.
[Screenshot: Installment settings on the offer — number of installments and total visible.]
- Open Checkout and select the checkout link buyers will use.
[Screenshot: Checkout links list — target link with product, offer, and copy button.]
- Open the checkout builder and confirm the page is published.
[Screenshot: Checkout builder — Published status badge and live preview visible.]
- Copy the checkout link for your test.
[Screenshot: Checkout link copy action — URL copied to clipboard.]
Part 2 — Buyer checkout (card payment)
- Open the checkout link in a browser (test on mobile if your traffic is mobile-heavy).
[Screenshot: Live checkout page — offer summary and payment method section visible.]
- Enter buyer details if the checkout requests email, name, or document.
[Screenshot: Checkout buyer fields — email and required fields filled in.]
- Select Credit card as the payment method.
[Screenshot: Payment method selector — card selected, PIX deselected if both were shown.]
- Enter card number, expiry, CVV, and cardholder name.
[Screenshot: Card payment form — all card fields filled in.]
- If installments are offered, select the installment option or one-time card payment.
[Screenshot: Installment selector — buyer chose split payment or single charge.]
- Submit payment and wait for the checkout response.
[Screenshot: Checkout processing state — card payment submitting.]
- Confirm the checkout shows success for an approved payment or a clear declined message.
[Screenshot: Checkout success page — payment approved and thank-you visible.]
Part 3 — Seller review (after the buyer pays)
- Open Sales in the seller app.
[Screenshot: Sales list — filters and date range visible.]
- Search by the buyer email used in the test.
[Screenshot: Sales search — buyer email entered and matching sale row visible.]
- Open the sale and confirm status is Approved for a successful card payment.
[Screenshot: Sale detail — Approved status, card payment method, and amount visible.]
- Confirm delivery was granted only after approval.
[Screenshot: Buyer access confirmation — delivery or access for the approved card sale.]
- Open Dashboard and confirm today's sales include the card purchase.
[Screenshot: Dashboard — today's sales and recent card purchase visible.]
- Open Finance and review how the approved sale appears in balance.
[Screenshot: Finance overview — balance after approved card sale.]
Card status cheat sheet
| What you see | What it means | What to do |
|---|---|---|
| Declined at checkout | Card issuer or gateway rejected the attempt | Buyer should retry or use another method; not a chargeback |
| Approved | Payment confirmed | Grant delivery; normal support flow |
| No sale found | Wrong link, email, or workspace | Widen search; see missing data |
| Chargeback later | Post-approval dispute | See chargebacks and disputes |
Common mistakes
- Treating a checkout decline as a chargeback.
- Enabling installments without testing buyer-facing totals.
- Granting delivery before the sale shows Approved in Sales.
- Testing only from the seller dashboard, not the buyer card form.