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 capabilitiesAsk
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 cardsAsk
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.
Excluding specific brandsAsk
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
brandfield returned as the customer types their card number, and prevents submission for excluded brands.
See alsoAsk
Co-badged cards & EU compliance
EU requirement to offer cardholders a choice of network on co-badged cards.
3D Secure
When 3DS is triggered and how VINR handles it.
Card product codes
Visa and Mastercard product code reference for the brand_product API field.
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