The Gateway will attempt to identify the type of each card number provided along with the associated card scheme (network) and, when available, the issuing institution and issuing country 1.

The Gateway primarily supports Mastercard, Visa and American Express branded cards. Some Acquirers may support JCB, Discover and Diners Club cards. Not all Acquirers support all types.

The card type and scheme codes will be returned in the cardTypeCode and cardSchemeCode response fields. When available, the issuer details will be returned in the cardIssuer and cardIssuerCountryCode response fields.

If the Gateway is unable to identify the card, then a code of ‘XX’ will be returned.

The following fields are returned by the Gateway to indicate a card’s identity.

Field Name

cardTypeCode

Description

Card type identification code, eg ‘VD’.

Field Name

cardType

Description

Card type name, eg, ‘Visa Debit’.

Field Name

cardSchemeCode

Description

Scheme identification code, eg ‘VC’.

Field Name

cardScheme

Description

Scheme name, eg ‘Visa’.

Field Name

cardIssuer

Description

Card Issuer’s name, eg ‘HSBC UK BANK PLC’.

Field Name

cardIssuerCountryCode

Description

Issuing country’s ISO-3166 2-letter code, eg ‘GB’.

Field Name

cardIssuerCountry

Description

Issuing country’s name, eg ‘United Kingdom’.

Field Name

cardFlags

Description

Bitmask of flags where each bit number indicates the following:

1 – debit (not credit) card.

2 – alternative debit (not credit) card.

3 – prepaid card.

4 – not used.

5 – corporate card (not consumer) card.

6 – not used. 7 – not used.

8 – tokenised card (DPAN not FPAN).

9 – ECOM use allowed.

10 – MOTO use allowed.

11 – EPOS use allowed.

12 – CA use allowed.

13 – LUHN conforming.

14 – 3-D Secure available (doesn’t indicate the card is enrolled).

15 – Contactless available.

¹ Issuing institution and country are primarily available for Visa and Mastercard issued cards only.

The following is a list of primary card types supported by the Gateway:

Card Code

Scheme Code

Card Type

Mastercard Credit

Card Code

Scheme Code

Card Type

Mastercard Debit

Card Code

Scheme Code

Card Type

Mastercard International Maestro

Card Code

Scheme Code

Card Type

Mastercard/Diners Club

Card Code

Scheme Code

Card Type

Mastercard Purchasing

Card Code

Scheme Code

Card Type

Mastercard Domestic Maestro (UK)

Card Code

Scheme Code

Card Type

Visa Credit

Card Code

Scheme Code

Card Type

Visa Debt

Card Code

Scheme Code

Card Type

Visa Electron

Card Code

Scheme Code

Card Type

Visa ATM

Card Code

Scheme Code

Card Type

Visa Purchasing

Card Code

Scheme Code

Card Type

American Express

Card Code

Scheme Code

Card Type

JCB

Card Code

Scheme Code

Card Type

Discover

Card Code

Scheme Code

Card Type

Diners Club

Card Code

Scheme Code

Card Type

Diners Club Carte Blanche

Card Code

Scheme Code

Card Type

China UnionPay

Card Code

Scheme Code

Card Type

China UnionPay Credit

Card Code

Scheme Code

Card Type

China UnionPay Debit

The following is a list of secondary card types recognised by the Gateway. These cards may be returned in response to a card lookup, but they are either deprecated or most likely not supported by any current Acquirer.