> **Description:** Accept standard card payments from customers worldwide, even in regions where Vipps or MobilePay apps are not available.

# Freestanding cards

The ePayment API supports freestanding card payments, where any user can pay with a card without
using the app. This lets merchants accept payments from customers in countries where
the Vipps  or MobilePay  app is not yet available.

**TIP**

For a visual walkthrough of the customer's experience with freestanding cards, see [How it works with freestanding cards](https://developer.vippsmobilepay.com/docs/APIs/epayment-api/how-it-works/freestanding-cards.md).

Screenshot: Mobile checkout payment method selection showing the app brand (Vipps or MobilePay) with Card as an alternative option.

## Authorization

All ePayment API requests must include a valid Bearer token in the `Authorization` header.
See [Authorization](https://developer.vippsmobilepay.com/docs/APIs/epayment-api/api-guide/concepts.md#authorization) for how to obtain one.

## Request

To initiate a freestanding card payment, call the create payment endpoint,
[`POST:/epayment/v1/payments`](https://developer.vippsmobilepay.com/redocusaurus/epayment-swagger-id.yaml).
Specify `paymentMethod.type = "CARD"`.

For example:

```bash
curl -X POST https://apitest.vipps.no/epayment/v1/payments \
-H "Content-Type: application/json" \
-H "Authorization: Bearer YOUR-ACCESS-TOKEN" \
-H "Ocp-Apim-Subscription-Key: YOUR-SUBSCRIPTION-KEY" \
-H "Merchant-Serial-Number: YOUR-MSN" \
-H 'Idempotency-Key: YOUR-IDEMPOTENCY-KEY' \
-H "Vipps-System-Name: acme" \
-H "Vipps-System-Version: 3.1.2" \
-H "Vipps-System-Plugin-Name: acme-webshop" \
-H "Vipps-System-Plugin-Version: 4.5.6" \
-d '{
  "paymentMethod": {
    "type": "CARD"
  },
  "amount": {
    "currency": "NOK",
    "value": 49900
  },
  "reference": "acme-shop-123-order123abc",
  "returnUrl": "https://example.com/redirect?reference=acme-shop-123-order123abc",
  "userFlow": "WEB_REDIRECT",
  "paymentDescription": "Online purchase of sportswear",
  "receiptUrl":"https://example.com/link/to/my.pdf"
```

The response for the request above will contain a `redirectUrl` pointing to the web page with a form
where the user enters the payment card details. The card entry page opens, where they enter their card details.

Screenshot: Card payment entry form with fields for card number, expiry date, and CVC, with a Pay button.

After submitting the card details, the user is redirected back to the merchant's store,
where the order confirmation is shown.

**NOTE**

The card entry page is not currently available in the
[test environment](https://developer.vippsmobilepay.com/docs/knowledge-base/test-environment.md).

## Related pages

* [General info: Card payments](https://developer.vippsmobilepay.com/docs/knowledge-base/payments.md#card-payments)
* [How it works for freestanding card payments](https://developer.vippsmobilepay.com/docs/APIs/epayment-api/how-it-works/freestanding-cards.md)

> **Full site overview:** For every page in this documentation, read [https://developer.vippsmobilepay.com/llms.txt](https://developer.vippsmobilepay.com/llms.txt).