Co-branded cards

A co-branded card (sometimes referred to as co-badged card) is a single payment card that carries two card brands (sometimes referred to as card schemes or card networks). In most cases, this will be an international brand (eg Visa or Mastercard), and a local brand (eg Cartes Bancaires in France, EFTPOS in Australia). Payments made using the card can be routed to either card brand displayed on the card.

Local card brands may not support all capabilities supported by international card brands (such as Visa and Mastercard).

Determining card brands

Supply plain card details, a Worldpay token, or a network token in our Card BIN API to lookup card brands.

Request Parameters

Use instruction.routing.preferredCardBrand to submit the desired card brand for payment routing.

Possible values:

amex
cartesBancaires
dankort
diners
discover
eftposAU
elo
jcb
maestro
mastercard
visa

Request examples

Use our test card numbers to test co-branded cards.

{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "default"
    },
    "instruction": {
        "requestAutoSettlement": {
            "enabled": false
        },
        "narrative": {
            "line1": "Mind Palace"
        },
        "value": {
            "currency": "EUR",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/plain",
            "cardNumber": "4150580996517927",
            "expiryDate": {
                "month": 5,
                "year": 2035
            }
        },
        "routing": {
            "preferredCardBrand": "cartesBancaires"
        }
    },
    "channel": "ecom",
    "authentication": {
        "threeDS": {
            "eci": "05",
            "authenticationValue": "MAAAAAAAAAAAAAAAAAAAAAAAA3=",
            "transactionId": "a09b446d-5c0d-4003-9c99-21fb73d75999",
            "version": "2.2.0",
            "cryptogramAlgorithm": 1,
            "challengePreference": "challengeMandated",
            "authenticationFlow": "frictionless",
            "brand": "cartesBancaires"
        }
    }
}

Response

The response indicates which route was used in the paymentInstrument.cardBrand

Card-brand specific guides

Consult our guides for how to process particular local card brands:

Cartes Bancaires