{"templateId":"markdown","sharedDataIds":{"sidebar":"sidebar-reference/sidebars.yaml"},"props":{"metadata":{"markdoc":{"tagList":["cards","card"]},"type":"markdown"},"seo":{"title":"Card Authorisation Rates by Bank | Banxa Docs","siteUrl":"https://docs.banxa.com","description":"Card authorisation rate bands for the main issuing banks by region, so you know how likely a customer's card payment is to be approved.","llmstxt":{"title":"Banxa Developer Documentation","description":"Integrate crypto-fiat exchange with Banxa's licensed infrastructure: payments, KYC, compliance, and settlement handled. 150+ countries, 45 global licences.","details":{"content":"Two integration products, chosen by how much of the payment experience the partner owns: **Banxa Native API** for payments that happen inside the partner's product (headless bank transfers, HMAC server-to-server; card, Apple Pay and Google Pay on a native sheet via SDK, no Banxa-hosted screens); **Banxa Hosted Checkout** for a Banxa-run payment flow with the broadest payment method coverage (three paths: Referral URL, API, or SDK). Either product can run KYC on either side. Both use the same sandbox and production environments at `https://api.banxa-sandbox.com` and `https://api.banxa.com`.\n\n## When to use Banxa\n\nReach for Banxa when a product needs to let people **buy crypto with fiat or sell crypto for fiat** without the partner holding money-transmitter or VASP licences. Banxa is the licensed counterparty: it takes the payment, runs compliance, and delivers the asset. Typical fits are wallets, exchanges, dApps, gaming platforms and fintech apps adding an on-ramp or off-ramp.\n\nPick the product by how much of the payment experience the partner wants to own. KYC is configurable on both and does not decide it.\n\n- **Banxa Native API** - the payment experience lives inside the partner's product. Bank transfers run completely headless through the API; card, Apple Pay and Google Pay run on a native payment sheet through a Banxa SDK, with no redirect or webview. Needs a backend. 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