Co-badged cards compliance
Learn about EU regulations requiring customer choice for co-badged cards.
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.
Applicable in:
Regulatory requirements 
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). In practice, this means you must enable cardholders to select a preferred card brand within your checkout form in accordance with these guidelines:
- Display the available card networks in your online checkout form 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.
When regulation applies 
Regulation (EU) 2015/751 applies to the following businesses and Stripe-supported transaction types:
Payment channel | Businesses subject to card brand choice regulation | Transactions types |
---|---|---|
Online payments | Businesses in the EEA that can process Cartes Bancaires | The payment method is a co-badged Cartes Bancaires card, and the currency is EUR |
In-person payments | Businesses in France that can process Cartes Bancaires | The payment method is a co-badged Cartes Bancaires card |
In-person payments | Businesses in Germany that can process Girocard | The payment method is a co-badged girocard |
Using sandbox environments
For online payments, Cartes Bancaires is always enabled in sandbox environments. As a result, 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 might handle co-badged cards if Cartes Bancaires was enabled.
Connect users
In Connect integrations, the merchant of record on a transaction is the business we use to determine if co-badged regulation applies. Depending on the Connect integration, this can either be the platform or the connected account.
Integration guides 
Stripe-hosted UIs, such as Checkout, Payment Links, Elements, and Stripe Terminal hardware, automatically display a network selector when you meet the applicability criteria, if configured according to the following guides. You can migrate to a Stripe-hosted UI to use these features.
For other integrations, you’re fully responsible for making sure your integration complies with the regulation requirements.
Stripe Checkout supports customer card brand choice by default. Customers who enter a co-badged card in Checkout can select their option for customer card brand choice:

Card input with a co-badged card
Identifying network used to process a charge
The charge
object associated with a successful payment contains a network
field indicating which card network processed the payment. For example, for a transaction using a card
, you can identify the network as follows:
{ "id": "ch_1Ff52K2eZvKYlo2CWe10i0s7", "object": "charge", ... "payment_method_details": { "card": { "brand": "visa", ... "network": "cartes_bancaires", }, "type": "card" } }
If you’re using a Terminal integration, review the specific regional requirements for how to identify the network used.
Testing
You can use the following co-badged cards to test your integration:
If you’re using a Terminal integration, review the simulated test cards for cards that can be used with a simulated reader to verify network routing.