Co-badged Card Brand Selection for Encrypted Card Payments
Encrypted card data payments now support a brand field, allowing merchants to pass the cardholder's chosen network when processing co-badged (dual-brand) cards.
What changed
A new brand field has been added to the encrypted card data payload. Co-badged cards carry two card scheme brands on the same card — for example Visa/Mastercard or Visa/Maestro. When a cardholder selects which brand to pay with, merchants can now pass that selection to ensure the payment is routed through the correct network.
EU compliance
For co-badged cards issued in the European Economic Area (EEA), EU Regulation 2015/751 (Article 8) requires that cardholders be offered a choice of brand whenever a merchant supports more than one brand on the card. The brand field enables merchants to honour that choice.
When to use brand
- Required when a BIN lookup identifies the card as co-badged and your account supports more than one of the returned brands.
- Optional when the card carries a single brand or you only support one of the available brands — omit the field and the acquirer routes on the only supported brand.
Accepted values
| Value | Brand |
|---|---|
visa | Visa |
mc | Mastercard |
amex | American Express |
maestro | Maestro |
See the full reference at Encrypted Card Data.