UnionPay/Visa co-branded cards
Processing change for all UnionPay/Visa co-branding cards
Due to the Visa requirement for processing UnionPay/Visa “co-branded cards”, all European acquirers, such as Worldline, are required to recognise so-called co-branded UnionPay/Visa cards as Visa cards, and to process the transaction via Visa’s systems. This means that all UnionPay/Visa co-branded cards will be processed as Visa cards.
Find answers to frequently asked questions:
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The front of a UnionPay/Visa co-branded card shows both logos (UnionPay and Visa), whereas the front of a UnionPay only card shows only the UnionPay logo. The UnionPay “only” card generally starts with the number 62xxx.
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In this case, please ask the cardholder if he or she has a UnionPay only card.
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No. This change only affects the UnionPay/Visa co-branding cards. The other co-branded cards, such as Mastercard, will continue to be processed as a UnionPay card.
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As the UnionPay/Visa co-branding card will be processed as a Visa card, your existing commission for Visa interregional transactions is valid and will automatically apply as of mid-June 2021.
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Since the UnionPay/Visa co-branding card is identified as a Visa card, DCC is now possible.
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There are several reasons why a transaction may be refused, for example if the balance is too small because the credit limit has been exceeded or a card is invalid, etc. In all these and other cases, ask your customers if they have another card, for example a UnionPay only card.
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Since a UnionPay/Visa co-branding card will now be processed as a Visa card, authorisation by telephone (voice authorisation) is possible just as with normal Visa cards.
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Yes. The booking is based on the pre-authorisation you granted for the VAT amount.