Co-badged cards & EU compliance

Regulation (EU) 2015/751 requires businesses in the European Economic Area (EEA) to honour customers' card brand choice for co-badged cards (for example, Cartes Bancaires cards co-badged with Visa). This means you must allow cardholders to select a preferred card brand on your payment page in accordance with these guidelines:

• Display available card networks — All available card networks must be clearly identified during checkout. The visual quality, clarity, and size of brand logos must be consistent, and it must be clear to cardholders how to select a network.
• Honour the cardholder's choice — Where the cardholder selects a preferred network, you must use it when confirming a payment or storing card details for future use. If the cardholder does not make a choice, you may choose the network for the transaction.
• Allow updates to the preferred network — When cardholders update a saved payment method, you must give them the option to change their preferred network. For example, through a customer portal for managing saved payment methods.

Does this regulation apply to me?AskCopy

Regulation (EU) 2015/751 applies to all businesses in the EEA that can process Cartes Bancaires.

When regulation applies

Applicable in: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.

Integration guidesAskCopy

VINR-hosted UIs — including hosted checkout, Payment Links, VINR Elements, and the mobile SDK — automatically display a network selector when you meet the applicability criteria. You must configure these UIs according to the guides below.

For other integrations, you are fully responsible for ensuring your integration complies with the regulation requirements.

{
  "id": "ch_1Ff52K2eZvKYlo2CWe10i0s7",
  "object": "charge",
  "payment_method_details": {
    "card": {
      "brand": "visa",
      "network": "cartes_bancaires"
    },
    "type": "card"
  }
}

import { Vinr } from '@vinr/sdk';

const vinr = new Vinr({ secretKey: process.env.VINR_SECRET_KEY });

const paymentMethod = await vinr.paymentMethods.retrieve('pm_ABC123');

console.log(paymentMethod.card?.networks);
// {
//   available: ['cartes_bancaires', 'visa'],
//   preferred: 'cartes_bancaires'
// }

const payment = await vinr.payments.confirm('pay_ABC123', {
  preferredNetwork: 'cartes_bancaires', // or 'visa' / 'mastercard'
});

{
  "id": "ch_1Ff52K2eZvKYlo2CWe10i0s7",
  "object": "charge",
  "payment_method_details": {
    "card": {
      "brand": "visa",
      "network": "cartes_bancaires"
    },
    "type": "card"
  }
}

TestingAskCopy

Use the following co-badged test card numbers in the sandbox. Any future expiry date and any 3-digit CVC are accepted.

See alsoAskCopy