• Am I impacted by the regulation on choice of brand?
    If you are accepting local brands available on EU issued cards, you are impacted.
  • How can I avoid presenting the intermediary page to my customers?

    This page is only presented for eCom merchants accepting brands outside Visa, MasterCard or Amex, an not sending the brand to be used to processed with the transaction. Sending the brand under which the transaction should be processed will remove the page.

  • What are the brands that need to be compliant?

    You need to be compliant if you are accepting Carte Bancaire (France), Bancontact (Belgium) or Dankort (Denmark). The regulation is not naming “brands” but providing a cumulative scope:

    1. Card should be issued in EU.
    2. Brand should not be limited (limited card can be brand issued by one retailer, to buy limited goods or services, only provided to be use on local sectors, etc.)
    3. Merchant should already accept the brand. If merchant is accepting a payment by brand X and brand Y, merchant should allow payer to decide which brand to use when payer is using a card including both brands X and Y.
  • What if I do not comply?

    When compliancy is legally required (merchant is accepting brands included on EU issued cards covered by the regulation), but merchant is not compliant, Member States local authority can fine the merchant. Fine may differ from one country to another.

  • By when should I be compliant?

    Compliancy is already required, but not fully put in place by all stakeholders, and each EU member states is free to decide when penalties should enter into force. We advise merchants to be compliant as soon as possible, notably on markets where co-badged cards are heavily used (ex: France for merchants accepting the Carte Bancaire brand).

  • Why am I still impacted if I am not accepting the mentioned brands?

    If you are using the URL redirect (eCom) and accepting brands which could be potentially impacted by the regulation or potentially co-badged with another brand impacted by the regulation, we need to be sure payer will be able to make a choice of brand and then we need to present a selection page. The way to avoid the selection page is to always send the brand under which the transaction must be processed.

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