Card Types

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Co-Badged Cards
Co-Branded Cards
Credit Cards
Debit Cards

You can process payments with these kinds of cards:

Domestic debit cards

Domestic credit cards

International debit cards

International credit cards

For China UnionPay, domestic cards are payment cards that are issued within China and international cards are payment cards that are issued outside China.

Co-Badged Cards

Co-badged cards are credit and debit cards that integrate two or more payment networks.

China UnionPay supports cards co-badged with other payment networks, such as Visa, Mastercard, and Discover.

Co-Branded Cards

Co-branded cards are credit cards that are branded with a merchant's logo, brand, or other identifier as well as the payment network logo. These cards are not limited for use at the branded merchant and can be used at any merchant that accepts credit cards.

China UnionPay card transactions are processed through the China UnionPay gateway. Visa and Mastercard transactions are processed through the Visa Platform Connect gateway. For co-branded cards, the routing is determined by the value set for the card type field

paymentInformation.card.type

in the transaction request. When the card type value is

001

for a Visa card, the transaction is routed through the Visa Platform Connect gateway. When the card type value is

062

for a China UnionPay card, the transaction is routed through the China UnionPay gateway. When you do not include the card type field, the system defaults to the primary card brand for the card's bank identification number (BIN). Cybersource automatically manages the system default process, eliminating the need for additional integration by resellers or merchants.

Credit Cards

Cardholders use credit cards to borrow money from issuing banks to pay for goods and services offered by merchants that accept credit cards.

Debit Cards

A debit card is linked to a cardholder's checking account. A merchant who accepts the debit card can deduct funds directly from the account.

`China UnionPay`

Process debit cards using the credit card services. See Standard Payment Processing.

Most domestic debit cards issued before 2016 do not have a card verification number (CVN) and expiration date. The China UnionPay processor does not support payment processing for cards that do not have a CVN and expiration date.