Last updated: 10 November 2026 | Change log

Co-branded cards

A co-branded 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 such as Visa or Mastercard, together with a local brand such as Cartes Bancaires in France or eftpos in Australia.

You can request the network to use for the transaction by supplying instruction.paymentInstrument.routing.preferredCardBrand.

Local card brands may not support all capabilities supported by international card brands.

How to enable

Use instruction.paymentInstrument.routing.preferredCardBrand to set the preferred network for the payment.

Supported values

The current supported values are:

amex
cartesBancaires
dankort
diners
discover
eftposAU
elo
jcb
maestro
mastercard
visa

Request example

{
  "transactionReference": "Memory265-13/08/1876",
  "orderReference": "order-12345",
  "merchant": {
    "entity": "default"
  },
  "instruction": {
    "method": "card",
    "paymentInstrument": {
      "type": "plain",
      "cardHolderName": "Sherlock Holmes",
      "cardNumber": "4000000000004970",
      "expiryDate": {
        "month": 5,
        "year": 2035
      },
      "billingAddress": {
        "address1": "221B Baker Street",
        "address2": "Marylebone",
        "address3": "Westminster",
        "postalCode": "SW1 1AA",
        "city": "London",
        "state": "Greater London",
        "countryCode": "GB"
      },
      "routing": {
        "preferredCardBrand": "cartesBancaires"
      },
      "cvc": "123"
    },
    "narrative": {
      "line1": "trading name"
    },
    "value": {
      "currency": "GBP",
      "amount": 42
    }
  }
}

If the card is not eligible for the requested brand, we automatically route the transaction using the card’s default network.

Determining card brands

Supply plain card details, a Worldpay token, or a network token in our Card BIN API to check the available brands and confirm the routing options for the card.

Schema

preferredCardBrandstring

Specifies your customer's preferred card brand to be used for the transaction using a co-badged card.

Used for: 3DS authentication | Card authorization

Enum:"visa""mastercard""maestro""amex""cartesBancaires""diners""dankort""jcb""discover""elo"

Outcome details

The response indicates which route was used in the paymentInstrument.cardBrand field.

Card brand-specific guides

Consult our guides for how to process particular local card brands: