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Last updated: 30 October 2025 | Change log

Co-branded cards

A co-branded card (sometimes referred to as a 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.

Implementation

If you must implement this requirement, you should

  1. Use our cardBrandsChanged method to get the list of brands associated with the card number entered by the customer.
  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.