> ## Documentation Index
> Fetch the complete documentation index at: https://developers.ligdicash.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Visa cards — Introduction

> Accept Visa card payments via LigdiCash — prerequisites, constraints, and differences with mobile money.

LigdiCash lets you accept Visa card payments in addition to mobile money. This feature has specific activation conditions and significant technical constraints to know before integrating.

## Essential constraints

<Warning>
  Visa card payment is **only available with the hosted payin method**. There is no Visa direct payin flow — the customer is always redirected to the LigdiCash-hosted payment page to enter their card information.
</Warning>

<Warning>
  **3D Secure is mandatory.** The card used by the customer must have 3D Secure enabled with their bank. A payment attempted with a card without 3D Secure will be declined. See [3D Secure](/en/payment-api/visa-cards/3d-secure) for details.
</Warning>

## Activation — dedicated contract required

Visa card payment cannot simply be enabled from the dashboard. It requires the **signature of a specific contract** with LigdiCash, distinct from the API access contract for mobile money. See [Activate Visa on your project](/en/payment-api/visa-cards/activation) for the steps.

## Withdrawal delay for Visa funds

Funds collected through Visa payments are subject to **longer withdrawal delays** than mobile money. Additional checks are required by LigdiCash and its banking partners. These delays can range from a few days up to **14 days maximum**.

<Note>
  This delay only applies to withdrawals from a merchant account funded by Visa payments. Mobile money payments are not affected.
</Note>

## Differences with mobile money

|                  | Mobile money                  | Visa card                       |
| ---------------- | ----------------------------- | ------------------------------- |
| Payment method   | Hosted or direct payin        | **Hosted only**                 |
| 3D Secure        | Not applicable                | **Mandatory**                   |
| Activation       | Included in standard contract | **Dedicated contract required** |
| Withdrawal delay | Standard                      | **Up to 14 days**               |
| Currency         | XOF                           | XOF                             |

## Pages in this section

<CardGroup cols={3}>
  <Card title="Activate Visa" icon="file-signature" href="/en/payment-api/visa-cards/activation">
    Contractual conditions and activation steps
  </Card>

  <Card title="Payment flow" icon="credit-card" href="/en/payment-api/visa-cards/payment-flow">
    How a Visa payment unfolds end to end
  </Card>

  <Card title="3D Secure" icon="shield-check" href="/en/payment-api/visa-cards/3d-secure">
    Why 3DS is mandatory and what the customer experiences
  </Card>
</CardGroup>