Card brand choice

Since June 2016, EU regulation mandates merchants and acquirers to follow consumers’ card brand choice for payments made with co-badged cards (e.g., cards branded with both Visa and Mastercard and a local scheme such as Cartes Bancaires). In practice, this means that merchants must allow customers to select their preferred brand in a payment form. Merchants can set a default brand choice as long as customers have the option to change that choice.

The Payment Intents API enables merchants to follow a customer’s preferred card brand choice if specified. If a preferred choice is not specified by the customer, you instruct Stripe to select one to optimize for authorization rate.

Identifying the available card networks

When you create a payment method object, Stripe returns a list of networks the card can run on:

{
  "id": "pm_1ExKbO2eZvKYlo2CcAu5tDP9",
  "object": "payment_method",
  ...
  "card": {
    "brand": "visa",
    ...
    "wallet": null,
    "networks": {
      "available": ["visa", "cartes_bancaires"]
    }
  },
  "created": 1563398634,
  "customer": null,
  "livemode": false,
  "metadata": {},
  "type": "card"
}

Confirming the card network using Stripe Elements

Create a component in your payment form to include a way for your customers to specify their preferred card brand. In your existing Stripe Elements integration, pass the card brand choice (e.g., cartes_bancaires) as the payment_method_options.card.network in confirmCardPayment:

var preferredNetwork = 'cartes_bancaires';
  var paymentMethodOptions = {}

  stripe.createPaymentMethod('card', cardElement, {
    billing_details: {
        name: 'Jenny Rosen',
    },
  }).then(function(response) {

    // Check if cartes_bancaires is an available card network
    var networks = response.paymentMethod.card.networks;
    if (networks.available.includes(preferredNetwork)) {
      paymentMethodOptions = {
        card: {
          network: preferredNetwork,
        },
      },
    }

    return stripe.confirmCardPayment(
      '{PAYMENT_INTENT_CLIENT_SECRET}', {
        payment_method: response.paymentMethod.id,
        payment_method_options: paymentMethodOptions,
      }
    );
  }).then(function(result) { /* handle error/success */ });

Confirming the card network on the server

When you create and confirm a payment intent for that payment method, set payment_method_options.card.network to the card brand your customer selected in your custom payment form (e.g., cartes_bancaires):

curl https://api.stripe.com/v1/payment_intents \
  -u 
sk_test_4eC39HqLyjWDarjtT1zdp7dc
: \
  -d "amount"=1099 \
  -d "confirm"="true" \
  -d "currency"="usd" \
  -d "payment_method"="{{PAYMENT_METHOD_ID}}" \
  -d "payment_method_options[card][network]"="cartes_bancaires" \
  -d "payment_method_types[]"="card" \
  -d "return_url"="https://example.com/return_url"

Identifying the network a charge was processed on

The charge object associated with a successful payment intent contains a network field indicating which card network the payment was processed on:

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

Supported card brands

The following card brand choices are supported:

• amex
• cartes_bancaires
• diners_club
• discover
• jcb
• mastercard
• visa
• unionpay

Testing

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