Codarab Payment 2D: Advanced Card Processing Payment Gateway for WooCommerce

Codarab Payment 2D is the advanced card processing option of the Codarab Payment gateway. It lets your WooCommerce store accept credit cards, debit cards, Google Pay and Apple Pay through the PayPal API, with fewer OTP steps at checkout and no Ltd or LLC company required.

View pricing Read the documentation
  • Visa
  • Mastercard
  • American Express
  • Discover
  • JCB
  • Google Pay
  • Apple Pay
Codarab Payment 2D animation: card inserted, paid through the PayPal API without OTP PayPal API Insert card Visa · Mastercard · Amex Processing via PayPal API · 2D OTP skipped Payment approved $49.00 · no OTP •••• 4242 2D · No OTP
Overview

What Is Codarab Payment 2D?

Codarab Payment is a WooCommerce plugin built on the PayPal API. It allows merchants to accept card and wallet payments directly on their checkout page, without opening a company abroad or registering as an Ltd or LLC.

Codarab Payment 2D is an advanced add-on for that gateway. When the 2D option is enabled, eligible card payments can be completed without a one-time password (OTP), even when the buyer's card has 3D Secure turned on. The payment is still verified by the card network and the issuing bank, but the customer does not have to leave the checkout to type an SMS code.

The result is a shorter, smoother checkout. Fewer steps usually means fewer abandoned carts, especially on mobile, where switching between the store and a banking app is where many buyers give up.

Process

How 2D Card Processing Works

Three simple steps between "Place order" and a confirmed payment.

  1. 1

    The buyer enters card details

    Your customer pays by card, Google Pay or Apple Pay on your WooCommerce checkout page. Card data is handled by PayPal's secure infrastructure, not stored on your server.

  2. 2

    Codarab Payment 2D sends the request

    The plugin submits the payment through the PayPal API with 2D processing. Authentication is only requested when the card issuer or local regulation makes it mandatory.

  3. 3

    The order is confirmed

    Once the issuer approves the transaction, WooCommerce updates the order status automatically and your customer lands on the thank-you page.

Benefits

Why Merchants Choose Codarab Payment 2D

A WooCommerce card payment gateway designed to keep checkout fast, clear and secure.

Fewer OTP steps

Eligible payments are completed without an SMS code, which reduces friction and checkout drop-off.

Cards and wallets

Accept Visa, Mastercard, American Express, Discover, JCB, Google Pay and Apple Pay in one gateway.

No Ltd or LLC needed

Start accepting card payments without registering a company abroad.

Built on the PayPal API

Transactions run on PayPal's proven payment infrastructure with fraud and risk checks included.

Up to 22 currencies

Charge customers in USD, EUR, GBP, CAD, AUD, JPY and many more, depending on the market.

Native WooCommerce

Works inside your existing checkout. Orders, refunds and statuses stay in WooCommerce.

Availability

Codarab Payment 2D Supported Countries, Cards and Currencies

The 2D secure option is available only in approved markets. Check your country, card brands and currencies below.

CountryCard brandsCurrencies
United StatesMastercard, Visa, American Express (USD only), Discover (USD only), Debit networks (Star/Star Access, Pulse, Nyce, Accel)AUD, CAD, EUR, GBP, JPY, USD
AustraliaMastercard, Visa, American Express (AUD only)AUD, BRL, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, ILS, JPY, MXN, NOK, NZD, PHP, PLN, SEK, SGD, THB, TWD, USD
CanadaMastercard, Visa, American Express (CAD only), JCB (CAD only)AUD, BRL, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, ILS, JPY, MXN, NOK, NZD, PHP, PLN, SEK, SGD, THB, TWD, USD
FranceMastercard, Visa, American Express, Bank Card (EUR only)AUD, BRL, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, ILS, JPY, MXN, NOK, NZD, PHP, PLN, SEK, SGD, THB, TWD, USD
GermanyMastercard, Visa, American ExpressAUD, BRL, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, ILS, JPY, MXN, NOK, NZD, PHP, PLN, SEK, SGD, THB, TWD, USD
ItalyMastercard, Visa, American ExpressAUD, BRL, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, ILS, JPY, MXN, NOK, NZD, PHP, PLN, SEK, SGD, THB, TWD, USD
JapanMastercard, Visa, American Express (JPY only), JCB (JPY only)AUD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, JPY, NOK, NZD, PLN, SEK, SGD, USD
MexicoMastercard, Visa, American ExpressMXN
SpainMastercard, Visa, American ExpressAUD, BRL, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, ILS, JPY, MXN, NOK, NZD, PHP, PLN, SEK, SGD, THB, TWD, USD
United KingdomMastercard, Visa, American ExpressAUD, BRL, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, ILS, JPY, MXN, NOK, NZD, PHP, PLN, SEK, SGD, THB, TWD, USD

Good to know: in France, Germany, Italy, Spain and the United Kingdom, PSD2 Strong Customer Authentication rules apply. The card issuer may still ask the buyer to verify some payments. See the full list of Codarab Pay supported currencies and PayPal's guide to 3D Secure for advanced card payments.

Comparison

2D Payment Gateway vs 3D Secure Checkout

The main difference is how many steps your customer goes through before the payment is approved.

Codarab Payment 2D

  • Card details entered once, on your checkout
  • No OTP on eligible payments
  • Buyer stays on your store
  • Faster checkout on mobile

Classic 3D Secure

  • Extra verification screen
  • SMS code or banking app approval
  • Buyer may leave the page to confirm
  • More steps, more abandoned carts
Use cases

Who Is Codarab Payment 2D For?

The 2D card processing option is a good fit for online businesses that sell to customers in the supported markets and want a quicker checkout:

  • WooCommerce stores selling physical products in the US, Canada, Australia or Japan
  • Digital product sellers: software, licenses, ebooks and online courses
  • Agencies and freelancers who bill international clients by card
  • Merchants without a registered Ltd or LLC who still want a professional card checkout

Need help connecting the gateway to a custom store? Our team also offers payment gateway integration services, and you can create one-off payment requests with the payment links generator.

Setup

How to Enable Codarab Payment 2D in WooCommerce

Most stores are ready in a few minutes.

  1. 1

    Install the plugin

    Install and activate the Codarab Payment plugin on your WordPress site.

  2. 2

    Connect PayPal

    Add your PayPal API credentials in the gateway settings.

  3. 3

    Turn on 2D

    Enable the Codarab Payment 2D option and choose your currencies.

  4. 4

    Run a test

    Place a small test order to confirm the full checkout flow.

Step-by-step screenshots are available in the Codarab documentation.

FAQ

Frequently Asked Questions

What does "2D" mean in card payments?

A 2D payment is a card transaction approved without the extra 3D Secure step. The buyer enters the card number, expiry date and CVV, and the payment is authorized without an OTP code.

Does Codarab Payment 2D work if the buyer's card has 3D Secure enabled?

Yes. On eligible transactions, the payment can be completed without an OTP even when 3D Secure is active on the card. The issuer can still request authentication where local rules require it.

Do I need a company to use Codarab Payment 2D?

No. Codarab Payment is designed so merchants can accept card payments without registering as an Ltd or LLC company.

Which payment methods are supported?

Visa, Mastercard, American Express, Discover, JCB, US debit networks, Google Pay and Apple Pay, depending on the country listed in the table above.

Is Codarab Payment 2D available in my country?

The 2D option is available in the United States, Australia, Canada, France, Germany, Italy, Japan, Mexico, Spain and the United Kingdom. Check the table for the exact cards and currencies.

How much does it cost?

Plans and license options are listed on the Codarab pricing page.

Start Accepting Cards With Codarab Payment 2D

Give your customers a faster card checkout and keep more of the sales you already earn.

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