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Co-badged cards compliance

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

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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:

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

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 checkout form: 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

Cartes Bancaires co-badged cards are the only Stripe-supported cards that fall under this regulation. As a result, Regulation (EU) 2015/751 applies to businesses that:

  • Are in the EEA
  • Can process Cartes Bancaires

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.

Businesses that meet the above criteria are required to present customers with a choice of card network for all transactions that can processed with Cartes Bancaires. A transaction is eligible for Cartes Bancaires if:

  • The business can process Cartes Bancaires
  • The currency is EUR
  • The payment method is a co-badged Cartes Bancaires card

Using sandbox enviornments

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.

Integration guides

Stripe-hosted UIs, such as Checkout, Payment Links, and Elements, will automatically display a network selector when you meet the applicability criteria above, 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:

The card input with a co-badged card in Stripe Checkout

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 the payment was processed on:

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

Testing

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

NumberBrandCVCDate
Cartes Bancaires or VisaAny 3 digitsAny future date
Cartes Bancaires or MastercardAny 3 digitsAny future date
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