Content


Reminder on the regulations

The " Choice of brand " feature allows merchants to comply with European regulation 215/751 of 29 April 2015 relating to interchange fees for payment transactions linked to a card, generally called "MiFID regulation" ( Merchant Interchange Fees ).

One of the objectives of this regulation is to remove the monopoly of local schemes by letting the buyer choose the brand used during payment.

Merchants have been required to comply with this regulation since June 9, 2016.


Article relating to the regulations on the FEVAD website.


Trademark principles

Cards issued by French banks are largely attached to the French Cartes Bancaires (CB) network but also to an international network (Electron, Maestro, Mastercard, Visa, etc.). This is what allows the cardholder to use his card abroad. There are other local networks that issue co-badged cards. In Belgium, banks issue cards that belong to both the Bancontact network and also Maestro or Visa.

(info) Note : there are non-co-badged cards for which the regulations do not apply.


As soon as a business accepts cards from different networks, it must allow buyers to select the brand they prefer.

If, for example, the merchant accepts CB, Mastercard and Visa cards, then the co-badged CB / Visa and CB / Mastercard cards are concerned, and the merchant cannot impose his choice. On the other hand, he can select his preferred network, which will be used if the buyer does not wish to change.


(info) Note : the network through which transactions pass can influence the amount of commissions applied by the acquirer. We invite you to contact your purchaser for more information.


Implementation

At the level of each Monext Online contract, the merchant can configure:

  • The activation of branding : This option must be enabled to comply with MiFID regulations;
  • The choice of  default network for each type of card (debit, credit, business). This makes it possible to choose on which network the transaction will pass when the buyer does not make an explicit choice.

If the option is enabled, the buyer's choice always takes precedence over the merchant's default.


Wallet

Regarding the Wallet , the network used by the 1 st transaction determines that used for the following transactions.

When activated on a contract, the "brand choice" functionality applies to transactions initiated in WebPayment ( Web mode, payment page and / or registration of a card in the Wallet ).


Backoffice

The manual entry of transaction in the backoffice allows the choice of the brand.

For the other modes, the collection of the choice from the customer is the responsibility of the merchant  :


Configuration


Web mode

Choice of default network 

In the configuration screen of a payment method in the backoffice, the merchant defines brand to be used by default according to type of card.

More information on Administration Center - Payment method .


buyer choice

In this same screen, the merchant must activate the functionality to leave the choice to the buyer on payment pages.



Brand choice on payment pages

When the buyer enters card number, the payment form will automatically offer the choice as soon as the card number is recognized as being co-badged.

By clicking on the network logo, the buyer makes his choice of brand and selects his network.


 



(avertissement) Note  : If the merchant overloads the logos and / or user experience of payment widget, they must ensure that this does not alter the functionality.


Additional information  (question)

The European regulation imposes a precise and clear message that the buyer has to choose the brand.

Monext Online offers an icon with this information in WebPayment mode (lightbox, column, tab, PWPV2 redirect page).



Display mode overload

You can also override the display mode by icon by switching to a display mode by an information text below the card entry field.

You just need to add the pl-other-brand-selection css class in the PaylineWidget div to switch to the information text.


Example : 

<div id="PaylineWidget" data-template="column" data-token="" data-expandAll="true" class="pl-other-brand-selection"></div>


Web page :


The payment receipt

The selected network is displayed on the ticket.




In DirectPayment mode

In the DirectPayment API mode, the merchant displays the payment form and collects the information from the buyer. It must offer a way to allow the buyer to select the brand (CB, Visa, Mastercard).

The Monext Online APIs can be used to pass information relating to the choice in order to comply with the banking protocol point of view with the acquirers.

To do this, the choice made by the buyer must be transmitted by filling in the cardBrand field of the Payment and Wallet objects.


API webservices


Web service Monext Online

Comments

doWebPayment

Allow the merchant to transmit the brand to use ( payment.cardBrand field )

It is only taken into account if the payment method allows the brand choice. If the payment.cardBrand information  is not present, then Monext Online uses the default brand configured in the contract.

getWebPaymentDetails

Monext Online returns to the field:

  1. network of the extendedCardType object the network actually used by the transaction
  2. cardBrand of the Payment object the value present in the request

getWebWallet

Monext Online returns the network to use in the network fields of extendedCardType and cardBrand of wallet.

doAuthorization

Monext Online allows the merchant to transmit the brand to be used ( payment.cardBrand field ).

It is only taken into account if the payment method allows the brand choice. If the payment .cardBrand information is not present, then Monext Online uses the default brand configured in the contract.

createWallet

Monext Online allows the transmission of the brand in the cardBrand wallet field

It is only taken into account if the payment methode allows the brand choice. If the Wallet.cardBrand information is not present, then Monext Online uses the default brand configured in the contract.

The response message is not changed.

updateWallet

Same as createWallet.

getWallet

Monext Online returns the network to be used in the fields extendedCardType .network and wallet.cardbrand

getCards

Monext Online returns the network to be used in the cardslist .cards and extendedCardType .network field

getTransactionDetails

Monext Online returns to the field:

  1. extendedCardType .network the network actually used by the transaction
  2. payment .brand the value present in the request


The screen for creating / modifying a wallet obtained after calling manageWebWallet supports the brand choice.

For recurring payments ( REC ), n times ( NX ) or wallet by web service, Monext Online sends the authorization request with the brand  choice made during the 1st transaction.


Backoffice

Transaction detail

You can also consult the detail of the transaction Backoffice - Transaction detail .
The Card block indicates the brand of the card and the brand used to carry out the transaction

Create a transaction

In the backoffice, the brand selection information will be indicated by an information text.




Test card

The 4974132154654656 card  allows a CB / Visa choice by the buyer on the payment interface in an approval environment.