Co-badged Cards Compliance

Co-badged cards are payment cards that support multiple payment networks (e.g., a card that supports both Cartes Bancaires and Visa). To comply with EU IFR Regulation 2015/751 Article 8, merchants must allow customers to choose which network to use when processing payments with co-badged cards.

What are co-badged cards?

Co-badged cards are payment cards that carry multiple network logos and can be processed through different payment networks. Common examples include:

Cards that support both a domestic network (e.g., Cartes Bancaires in France) and an international network (e.g., Visa or Mastercard)
Cards that support multiple international networks

When a merchant accepts payments through multiple networks supported by the same card, EU regulations require that customers be given a choice of which network to use.

When is compliance required?

Compliance with EU IFR Regulation 2015/751 Article 8 is required when:

A merchant accepts both domestic and international networks (e.g., Cartes Bancaires and Visa)
The customer's card supports multiple networks that the merchant accepts
The transaction is processed within the European Economic Area (EEA)

If a merchant only accepts one network, or if the customer's card only supports one network that the merchant accepts, no network selection is required. The regulation applies to transactions processed within the EEA; transactions outside the EEA are not subject to this requirement.

EU IFR Regulation 2015/751 Article 8

Regulation (EU) 2015/751, also known as the Interchange Fee Regulation (IFR), is a European Union regulation on interchange fees for card-based payment transactions. Article 8 specifically addresses co-badged cards and requires that merchants in the EEA allow customers to choose their preferred card network when using co-badged cards.

Key Requirements

Article 8 requires that when a merchant accepts both domestic and international networks (e.g., Cartes Bancaires and Visa), the merchant must display a choice to EEA consumers allowing them to select which network to use. If a merchant only accepts one of the networks supported by the card, no network selection is required.

Regulation Scope and Timeline

Regulation (EU) 2015/751 applies to all Member States of the European Union and the European Economic Area (EEA). The regulation entered into force on 8 June 2015, with Article 8 and related provisions applying from 9 June 2016.

Yuno Solution

Yuno simplifies co-badged card compliance by providing built-in support through our SDKs, so merchants meet regulatory requirements without extra development.

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Automatic Compliance
When using Yuno SDKs, merchants are compliant with co-badged card regulations out-of-the-box. The SDK automatically handles network detection and selection, ensuring compliance without additional merchant configuration.

Supported SDK Versions

Co-badged card compliance is supported in specific versions of each Yuno SDK:

Web SDK: Version 1.1.0 and later
iOS SDK: Version 2.0.0 and later
Android SDK: Version 2.0.0 and later
React Native SDK: Version 1.0.16 and later

How It Works

The SDK automatically handles compliance with no configuration required. Compliance is enabled by default as soon as a merchant accepts both networks of a co-badged card.

The SDK automatically:

Detects which networks are supported by the customer's card based on the card IIN (Issuer Identification Number)
Displays network selection options to customers when multiple networks are available
Handles the Mastercard-required phrase "Select card brand (optional)" automatically
Stores the selected network for use in recurring payments

When a co-badged card is detected, the SDK automatically presents network selection options to the customer. The UI is not customizable and is consistently displayed across all platforms (Web, iOS, Android, React Native).

Recurring Payments

When a customer selects a network for their first payment, the SDK automatically stores this preference. For all subsequent recurring payments with the same card, the SDK automatically uses the initially selected network, ensuring compliance with the regulation requirement that all subsequent purchases be processed through the same network.

The SDK tracks and uses the selected network automatically—no additional merchant configuration is required.

Direct Integration

Direct API integrations require merchants to handle co-badged card compliance themselves. See below for required steps.

⚠️
Manual Implementation Required
For merchants using direct API integrations (not SDKs), additional steps are required to ensure compliance with co-badged card regulations. Merchants must implement network detection, selection UI, and network storage themselves.

Merchant Requirements

Merchants using direct API integrations must implement compliance measures themselves. To be compliant with EU IFR Regulation 2015/751 Article 8, merchants using direct integrations must:

Detect which networks are supported by the customer's card
Present network selection options to customers when multiple networks are available
Include the selected network in payment requests
Store the selected network for recurring payments
Display the Mastercard-required phrase "Select card brand (optional)" when applicable

Card IIN Detection

Yuno provides methods to detect which networks are supported by a card based on the card IIN (Issuer Identification Number). The card IIN is the first 6-8 digits of the card number and identifies the card issuer and supported networks.

API Requirements

To process payments with the selected network, merchants must include the network selection in their payment API requests. When creating a payment, merchants must include the selected network in the payment request. The following parameters are used:

{
  "payment_method": {
    "detail": {
      "card": {
        "network": "selected_network_here"
      }
    }
  }
}

Network Selection UI Implementation

Merchants must implement their own UI for network selection. The UI must display all available networks for the customer's card, allow customers to select their preferred network, and display the Mastercard-required phrase "Select card brand (optional)" when applicable. This phrase must be clearly visible and displayed before or alongside network selection options.

The network selection UI shown in the SDK section above provides a reference for how network selection should be presented to customers.

Recurring Payments

For recurring payments, merchants must ensure that the initially selected network is used for all subsequent payments with the same card. This requires:

Storing the selected network when the payment method is first used
Including the stored network in all subsequent payment requests for that payment method
Maintaining this preference across all recurring transactions

Examples

Example: Network Selection Required

A French customer uses a co-badged card that supports both Cartes Bancaires and Visa. The merchant accepts both networks. The system detects both networks, presents a selection to the customer, and processes the payment through the selected network. For future recurring payments, the initially selected network is automatically used.

Example: No Selection Required

A merchant only accepts Visa, and a customer uses a co-badged card that supports both Cartes Bancaires and Visa. Since the merchant only accepts Visa, no network selection is required and the payment is processed through Visa.

Summary

SDK Integration: Merchants using Yuno SDKs are compliant out-of-the-box. No additional configuration required.
Direct Integration: Merchants must implement network detection, selection UI, and network storage for recurring payments.
Regulatory Requirement: EU IFR Regulation 2015/751 Article 8 requires network selection for co-badged cards in the EEA. The regulation entered into force on 8 June 2015, with Article 8 applying from 9 June 2016.
Mastercard Requirement: The phrase "Select card brand (optional)" must be displayed when applicable.
Recurring Payments: The initially selected network must be used for all subsequent payments with the same card.