Styling Guide

Overview

The SDK has two main styling surfaces:

Component	Styling class	What it controls
Card form	`CardFormStylesConfig`	Wrapper, input fields, labels, errors, checkbox
Pay button	`CardButtonStyle`	Background, text, border, corner radius, loading/disabled states

Styles are set at creation time and use Compose-native types (Color, Dp, TextStyle, PaddingValues).

Card Form Styling

Style Hierarchy

Card form styles cascade from general to specific:

CardFormStylesConfig
├── wrapperStyle          → outer container (background, border, padding)
├── baseStyle             → applies to all input fields as a baseline
├── allInputFieldStyles   → field states (base, focus, completed, invalid)
├── inputFieldStyles      → per-field overrides (keyed by CardFieldType)
├── labelStyles           → per-field label overrides
├── errorTextStyle        → error message appearance
├── storeInstrumentCheckboxStyle      → checkbox wrapper
└── storeInstrumentCheckboxLabelStyle → checkbox label text

Basic Example

val cardForm = Payrails.createCardForm(
    config = CardFormConfig(
        showCardHolderName = true,
        showSingleExpiryDateField = true,
        styles = CardFormStylesConfig(
            wrapperStyle = CardWrapperStyle(
                backgroundColor = Color(0xFFF5F5F5),
                cornerRadius = 12.dp,
                padding = PaddingValues(16.dp)
            ),
            allInputFieldStyles = CardFieldSpecificStyles(
                base = CardStyle(
                    borderColor = Color(0xFFE0E0E0),
                    borderWidth = 1.dp,
                    cornerRadius = 8.dp,
                    textColor = Color(0xFF212121)
                ),
                focus = CardStyle(
                    borderColor = Color(0xFF1976D2),
                    cursorColor = Color(0xFF1976D2)
                ),
                invalid = CardStyle(
                    borderColor = Color(0xFFD32F2F)
                )
            ),
            errorTextStyle = CardStyle(
                textColor = Color(0xFFD32F2F)
            )
        )
    )
)

Per-Field Styling

Override styles for specific fields:

styles = CardFormStylesConfig(
    allInputFieldStyles = CardFieldSpecificStyles(
        base = CardStyle(borderColor = Color.Gray, cornerRadius = 8.dp)
    ),
    inputFieldStyles = mapOf(
        CardFieldType.CARD_NUMBER to CardFieldSpecificStyles(
            base = CardStyle(borderColor = Color.Black, borderWidth = 2.dp)
        )
    ),
    labelStyles = mapOf(
        CardFieldType.CVV to CardStyle(textColor = Color.DarkGray)
    )
)

Default Values

The SDK applies these defaults if you don’t provide styles:

Property	Default
Field border color	Inherited from theme (no explicit default)
Field border width	`1.dp`
Field corner radius	`2.dp`
Field text color	Inherited from theme (no explicit default)
Focus border color	`#D63D00` (Payrails orange)
Focus cursor color	`#D63D00`
Completed border color	`Color.Green`
Invalid border color	`Color.Red`
Error text color	`Color.Red`
`fieldContentPadding` (OUTLINED)	`start = 16.dp`, other sides from Material3
`fieldContentPadding` (FILLED)	`start = 0.dp`, other sides from Material3

Use CardFormStylesConfig.defaultConfig as a baseline and override only what you need. Custom styles are merged over defaults — you only need to specify properties you want to change.

Spacing Tokens

Control form-level spacing with tokens on CardFormStylesConfig:

styles = CardFormStylesConfig(
    rowSpacing = 16.dp,       // vertical gap between form rows (default: 12.dp)
    fieldSpacing = 8.dp,      // horizontal gap between fields in a row (default: 12.dp)
    errorSpacing = 2.dp,      // gap between field and error text, only when error is shown (default: 4.dp)
    contentPadding = PaddingValues(horizontal = 12.dp, vertical = 8.dp),  // outer padding (default: 16.dp all)
    fieldHeight = 48.dp,      // explicit height for text fields (default: wrap content)
    fieldContentPadding = PaddingValues(start = 12.dp, top = 8.dp, end = 8.dp, bottom = 8.dp)  // inner padding of each text field (see below)
)

All spacing tokens are nullable. When null, the hardcoded default is used. These tokens are merged the same way as other style properties — a non-null value wins, null falls through to the fallback. Error spacing is only applied when a field has an active error — fields without errors have no reserved space below them.

Field Content Padding

fieldContentPadding controls the inner padding of every text field — the distance between the field border and the text cursor. When not set, the SDK applies variant-specific defaults:

Variant	Default `start`	Other sides
`OUTLINED`	`16.dp`	Material3 defaults
`FILLED`	`0.dp`	Material3 defaults

The OUTLINED default (16.dp) matches Material3’s standard inset so text sits visibly away from the border. The FILLED default (0.dp) lets text align flush with any decoration you’ve applied to the wrapper. To override for both variants at once:

styles = CardFormStylesConfig(
    fieldContentPadding = PaddingValues(start = 12.dp, top = 8.dp, end = 8.dp, bottom = 8.dp)
)

To use variant-specific padding, create two separate CardFormStylesConfig instances and pass the appropriate one based on your chosen FieldVariant.

Label Placement

Choose where field labels appear:

config = CardFormConfig(
    labelPlacement = LabelPlacement.ABOVE,   // labels above field (default: FLOATING)
    labelSpacing = 6.dp                      // gap between label and field (default: 4.dp)
)

LabelPlacement.FLOATING (default) — labels render as Material3 floating labels inside the text field.
LabelPlacement.ABOVE — labels render as separate Text composables above each field, with a configurable gap.

When using LabelPlacement.ABOVE, use fieldContentPadding on CardFormStylesConfig to control the inner padding of the text field (the distance from the field edges to the text cursor). The SDK default is start = 16.dp for OUTLINED and start = 0.dp for FILLED; all other sides fall through to Material3 defaults. See Field Content Padding for details.

Field Variant

Choose the Material3 text field style:

config = CardFormConfig(
    fieldVariant = FieldVariant.FILLED   // (default: OUTLINED)
)

FieldVariant.OUTLINED (default) — OutlinedTextField with a full border.
FieldVariant.FILLED — TextField with a background fill and bottom indicator.

CardStyle Properties

CardStyle (alias of Style) supports these properties:

Property	Type	Description
`textColor`	`Color?`	Text color
`backgroundColor`	`Color?`	Background fill
`borderColor`	`Color?`	Border color
`borderWidth`	`Dp?`	Border width
`cornerRadius`	`Dp?`	Corner radius
`font`	`TextStyle?`	Font/text style (size, weight, family)
`padding`	`PaddingValues?`	Content padding
`width`	`Dp?`	Fixed width
`height`	`Dp?`	Fixed height
`minWidth`	`Dp?`	Minimum width
`maxWidth`	`Dp?`	Maximum width
`minHeight`	`Dp?`	Minimum height
`maxHeight`	`Dp?`	Maximum height
`placeholderColor`	`Color?`	Placeholder text color
`cursorColor`	`Color?`	Input cursor color

Pay Button Styling

Button styling is configured on CardPaymentButton, not on the card form.

Basic Example

val payButton = Payrails.createCardPaymentButton(
    translations = CardPaymenButtonTranslations(label = "Pay Now"),
    buttonStyle = CardButtonStyle(
        backgroundColor = Color(0xFF1976D2),
        textColor = Color.White,
        cornerRadius = 8.dp,
        height = 48.dp,
        fillMaxWidth = true
    )
)

Button States

The button supports three visual states. Configure each independently:

val payButton = Payrails.createCardPaymentButton(
    translations = CardPaymenButtonTranslations(label = "Pay Now"),
    buttonStyle = CardButtonStyle(
        // Default (enabled) state
        backgroundColor = Color(0xFF1976D2),
        textColor = Color.White,
        cornerRadius = 8.dp,

        // Disabled state (shown when disabledByDefault=true and form is invalid)
        disabledStyle = CardButtonStyle(
            backgroundColor = Color(0xFFE0E0E0),
            textColor = Color(0xFF9E9E9E),
            borderColor = Color(0xFFBDBDBD),
            borderWidth = 1.dp
        ),

        // Loading state (shown during payment processing)
        loadingStyle = CardButtonStyle(
            backgroundColor = Color(0xFF1565C0)
        ),
        loadingIndicatorColor = Color.White
    )
)

State styles are merged over the base style — you only need to specify properties that differ from the enabled state.

CardButtonStyle Properties

Property	Type	Default	Description
`backgroundColor`	`Color?`	`#1976D2` (blue)	Button background
`textColor`	`Color?`	`Color.White`	Button label color
`font`	`TextStyle?`	System default	Label text style
`cornerRadius`	`Dp?`	`8.dp`	Corner radius
`borderWidth`	`Dp?`	None	Border width
`borderColor`	`Color?`	None	Border color
`contentPadding`	`PaddingValues?`	Material default	Content padding
`height`	`Dp?`	Wrap content	Fixed height
`fillMaxWidth`	`Boolean`	`true`	Stretch to fill width
`disabledStyle`	`CardButtonStyle?`	Gray (#E0E0E0)	Override for disabled state
`loadingStyle`	`CardButtonStyle?`	None	Override for loading state
`loadingIndicatorColor`	`Color?`	`Color.White`	Spinner color
`loadingIndicatorSize`	`Dp?`	`20.dp`	Spinner diameter
`loadingIndicatorStrokeWidth`	`Dp?`	`2.dp`	Spinner stroke width
`elevation`	`Dp?`	Material3 default	Button shadow depth
`opacity`	`Float?`	`1.0f`	Button opacity (0.0–1.0)
`minHeight`	`Dp?`	Material3 default	Minimum button height

All new tokens participate in state-variant merging — set them on disabledStyle or loadingStyle to vary by state.

Disable-Until-Valid Pattern

To keep the button disabled until the card form is valid:

val payButton = Payrails.createCardPaymentButton(
    translations = CardPaymenButtonTranslations(label = "Pay Now"),
    disabledByDefault = true,
    buttonStyle = CardButtonStyle(
        backgroundColor = Color(0xFF1976D2),
        textColor = Color.White,
        disabledStyle = CardButtonStyle(
            backgroundColor = Color(0xFFE0E0E0),
            textColor = Color(0xFF9E9E9E)
        )
    )
)

The button automatically enables when the card form becomes valid (all fields pass validation).

Card Form Layout

Customize which fields appear and how they’re arranged:

val cardForm = Payrails.createCardForm(
    config = CardFormConfig(
        showCardHolderName = true,
        showSingleExpiryDateField = true,
        layout = listOf(
            listOf(CardFieldType.CARDHOLDER_NAME),           // Row 1: full width
            listOf(CardFieldType.CARD_NUMBER),               // Row 2: full width
            listOf(CardFieldType.EXPIRATION_DATE, CardFieldType.CVV)  // Row 3: side by side
        )
    )
)

Layout Rules

Each inner list is a row; fields in the same row share space equally
EXPIRATION_DATE is a combined MM/YY field (use with showSingleExpiryDateField = true)
EXPIRATION_MONTH + EXPIRATION_YEAR are separate fields (use without showSingleExpiryDateField)
Cannot mix EXPIRATION_DATE with EXPIRATION_MONTH/EXPIRATION_YEAR
No duplicate fields allowed

Card Network Icons

Show detected card network icons in the card number field:

val cardForm = Payrails.createCardForm(
    config = CardFormConfig(
        showCardIcon = true,
        cardIconAlignment = CardIconAlignment.right  // or .left
    )
)

Icons update automatically as the user types and the SDK detects the card network (Visa, Mastercard, Amex, Discover).

Translations

Customize all user-facing text:

val cardForm = Payrails.createCardForm(
    config = CardFormConfig(
        translations = CardTranslations(
            placeholders = CardTranslations.Placeholders(mutableMapOf(
                CardFieldType.CARDHOLDER_NAME to "Name on card",
                CardFieldType.CARD_NUMBER to "1234 5678 9012 3456",
                CardFieldType.EXPIRATION_DATE to "MM/YY",
                CardFieldType.CVV to "123"
            )),
            labels = CardTranslations.Labels(
                values = mutableMapOf(
                    CardFieldType.CARDHOLDER_NAME to "Name",
                    CardFieldType.CARD_NUMBER to "Card number",
                    CardFieldType.EXPIRATION_DATE to "Expiry",
                    CardFieldType.CVV to "Security code"
                ),
                storeInstrument = "Save this card"
            ),
            error = CardTranslations.ErrorMessages(mutableMapOf(
                CardFieldType.CARD_NUMBER to "Invalid card number"
            ))
        )
    )
)

Save Instrument Label Priority

The checkbox label resolves in this order:

labels.storeInstrument (if set)
labels.saveInstrument (if set)
labels.saveCreditCard (if set)
"Save instrument" (default)

Stored Instruments

The SDK does not provide a pre-built stored-instruments UI. Retrieve saved cards with session.getStoredInstruments() (called on the Session returned by Payrails.createSession(...)) and build your own picker using standard Compose components. When the user selects an instrument, call cardPaymentButton.setStoredInstrument(instrument) to pay with it.

Card Brand Selector

For co-branded cards, the Card Brand selector renders automatically inside the card form. Style it via CardFormStylesConfig.cardBrandSelector; localize the title/subtitle via CardTranslations.

CardFormStylesConfig(
    cardBrandSelector = CardBrandSelectorStyle(
        titleColor = Color.Black.toArgb(),
        subtitleColor = 0xFF6B7280.toInt(),
        tileBackgroundColor = Color.White.toArgb(),
        tileBorderColor = 0xFFD0D5DD.toInt(),
        tileTitleColor = Color.Black.toArgb(),
        selectedTileBorderColor = 0xFF0F63BD.toInt(),
        selectedCheckColor = 0xFF0F63BD.toInt(),
        tileCornerRadius = 12, // dp
    )
)

CardBrandSelectorStyle Properties

All fields are optional. Color fields are @ColorInt (ARGB); an unset color falls back to the current MaterialTheme.colorScheme, so the selector adapts to light/dark themes automatically.

Property	Type	Effect (unset → theme default)
`titleColor`	`Int?`	Selector title color (→ `onSurface`)
`subtitleColor`	`Int?`	Subtitle color (→ `onSurfaceVariant`)
`tileTitleColor`	`Int?`	Brand-name color on a tile (→ `onSurface`)
`tileBackgroundColor`	`Int?`	Tile background (→ `surface`)
`tileBorderColor`	`Int?`	Unselected tile border + indicator ring (→ `outline`)
`selectedTileBorderColor`	`Int?`	Selected tile border + check badge (→ `primary`)
`selectedCheckColor`	`Int?`	Check-badge color (→ selected border color)
`tileCornerRadius`	`Int?`	Tile corner radius, in dp

Tiles are styled uniformly (no per-scheme styling) per the EU IFR 2015/751 visual-balance requirement — the only per-tile difference is the selected check mark.

Getting Started

Payment Orchestration

Token Vault

Analytics & Reporting

Fraud Management

Chargebacks

Monitoring

Resources

Use Cases

Overview

Card Form Styling

Style Hierarchy

Basic Example

Per-Field Styling

Default Values

Spacing Tokens

Field Content Padding

Label Placement

Field Variant

CardStyle Properties

Pay Button Styling

Basic Example

Button States

CardButtonStyle Properties

Disable-Until-Valid Pattern

Card Form Layout

Layout Rules

Card Network Icons

Translations

Save Instrument Label Priority

Stored Instruments

Card Brand Selector

CardBrandSelectorStyle Properties

Further Reading

​Overview

​Card Form Styling

​Style Hierarchy

​Basic Example

​Per-Field Styling

​Default Values

​Spacing Tokens

​Field Content Padding

​Label Placement

​Field Variant

​CardStyle Properties

​Pay Button Styling

​Basic Example

​Button States

​CardButtonStyle Properties

​Disable-Until-Valid Pattern

​Card Form Layout

​Layout Rules

​Card Network Icons

​Translations

​Save Instrument Label Priority

​Stored Instruments

​Card Brand Selector

​CardBrandSelectorStyle Properties

​Further Reading

Overview

Card Form Styling

Style Hierarchy

Basic Example

Per-Field Styling

Default Values

Spacing Tokens

Field Content Padding

Label Placement

Field Variant

CardStyle Properties

Pay Button Styling

Basic Example

Button States

CardButtonStyle Properties

Disable-Until-Valid Pattern

Card Form Layout

Layout Rules

Card Network Icons

Translations

Save Instrument Label Priority

Stored Instruments

Card Brand Selector

CardBrandSelectorStyle Properties

Further Reading