# Supported card brands

> Card networks VINR accepts, their regional availability, and feature capabilities.

VINR supports several card brands out of the box. You can begin accepting the following brands without additional configuration:

- Visa (credit, debit, and prepaid)
- Mastercard (credit, debit, and prepaid)
- American Express
- Discover & Diners Club
- China UnionPay (CUP)
- Maestro (debit; 3D Secure frequently required)

Some brands require additional account configuration. Contact VINR support to enable **Cartes Bancaires** on your account.

## Brand capabilities

The following table describes feature support and regional considerations for each card brand, including 3D Secure authentication and wallet compatibility (Apple Pay, Google Pay).

| Card brand                 | Customer regions      | 3D Secure                       | Wallets         |
| -------------------------- | --------------------- | ------------------------------- | --------------- |
| **Visa**                   | Global                | Supported                       | Supported       |
| **Mastercard**             | Global                | Supported                       | Supported       |
| **American Express**       | Global                | Supported                       | Supported       |
| **Discover & Diners Club** | Global                | Supported                       | Supported       |
| **China UnionPay**         | Global                | Supported                       | Not supported   |
| **Maestro**                | Europe (primary)      | Supported — frequently required | Supported       |
| **Cartes Bancaires**       | France (primary); EEA | Supported                       | Apple Pay only¹ |

¹ Cartes Bancaires supports Apple Pay. For in-store NFC payments via Cartes Bancaires, contact VINR support.

> In Bulgaria, Maestro debit cards are common. 3D Secure is frequently required even for low-value transactions — ensure your integration handles the authentication challenge for all card brands, not only on transactions above SCA thresholds.

VINR processes payments in 135+ currencies. Some card networks have limitations on supported presentment currencies. Review your account's enabled currencies in the VINR Dashboard under **Settings → Payment methods**.

## Co-badged cards

Cards issued in the EU may carry two network logos — for example, a debit card bearing both Maestro and Mastercard. When a customer presents a co-badged card, EU regulation requires you to offer them a choice of which network processes the transaction. See [Co-badged cards & EU compliance](/docs/payments/payment-methods/add-payment-methods/cards/co-badged-cards).

## Excluding specific brands

You can prevent specific card brands from being accepted in the following ways:

- Use VINR fraud rules to automatically reject payments from specific brands.
- Add client-side code that reads the `brand` field returned as the customer types their card number, and prevents submission for excluded brands.

## See also

[Co-badged cards & EU compliance](/docs/payments/payment-methods/add-payment-methods/cards/co-badged-cards) — EU requirement to offer cardholders a choice of network on co-badged cards.

[3D Secure](/docs/payments/3d-secure) — When 3DS is triggered and how VINR handles it.

[Card product codes](/docs/payments/payment-methods/add-payment-methods/cards/card-product-codes) — Visa and Mastercard product code reference for the brand\_product API field.