Last Updated: 24 June 2025 | Change Log

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 (e.g. Visa or Mastercard) and a local brand (e.g. Cartes Bancaires in France, EFTPOS in Australia).

They enable your customers to pay either using the card issuer (e.g. Visa) or using the brand (e.g. Cartes Bancaires) as per the European Union (EU) Interchange Fee Regulation (IFR) 2015/751.

If you need to implement this requirement, you should:

1. Use our wp:card-brands:change event hook to get the list of brands associated with the card number entered by the customer. The first brand returned is always the global brand (e.g. Visa, Mastercard).
2. Prompt the customer to select the brand they want to pay with.
3. Pass the brand selected by the customer to the Cards Payments API when processing the payment.