Co-badged cards compliance

Learn about EU regulations requiring customer choice for co-badged cards.

Regulation (EU) 2015/751 requires businesses in the European Economic Area (EEA) to honor 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 the available card networks on your online payment page or in-person checkout flow: All available card networks must be clearly identified during the checkout process. The visual quality, clarity, and size of the brand logos must be consistent, and it should be clear to cardholders how to select a card network.
• Abide by the cardholder’s preferred card network: Where the cardholder chooses their preferred card network, you must use it when confirming a payment or storing card details for future use. If the cardholder doesn’t make a choice, you can choose your card network for the transaction.
• Allow updates to the preferred card network: You must present cardholders updating their payment methods that are saved for future use with the option to change their preferred card network when they’re updating their payment details. For example, you can provide a customer portal for managing saved payment methods.

Does this regulation apply to me?

Regulation (EU) 2015/751 applies to all businesses in the EEA that can process Cartes Bancaires. Sign in and return to this section to view if co-badged card regulation applies to you.

When regulation applies

Regulation (EU) 2015/751 applies to the following businesses and Stripe-supported transaction types:

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 guides

Stripe-hosted UIs, such as Checkout, Payment Links, Elements, and Stripe Terminal, 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’re fully responsible for making sure your integration complies with the regulation requirements.

Sandbox environments

When using sandboxes, Cartes Bancaires is always enabled for online payments, which means you might see the network selector on Stripe-hosted UIs in a sandbox, even if you don’t enable Cartes Bancaires. This allows you to preview how Stripe-hosted UIs handle co-badged cards if Cartes Bancaires were enabled.

Checkout and Payment Links

Web Elements

Mobile Elements

Terminal

Stripe Checkout supports customer card brand choice, by default. Customers who enter a co-badged card in Checkout can select their option for card brand choice.

Card input with a co-badged card

Identify the processing network

The charge object associated with a successful payment contains a network field that indicates which card network processed the payment. For example, you can identify the network for a transaction using a card as follows:

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

If you use a Terminal integration, review the specific regional requirements to identify the network used.

Testing

You can use the following co-badged cards to test your integration.

If you use a Terminal integration, see the simulated test cards that you can use with a simulated reader to verify network routing.