Co-badged cards
In server-to-server card payment scenarios, when the buyer enters a co-badged card number, you can directly pass it to Antom in the payment request. Antom will automatically and intelligently determine the optimal card brand to complete the payment, eliminating the need for additional processing of the co-badged card number and enhancing payment convenience. Data shows that the payment success rate with Antom's intelligent decision-making is significantly higher than when you manually specify the card brand.
Note: In the European Economic Area (EEA), to comply with European consumer protection regulations, if a buyer uses a co-badged card for authorized payments, you must prompt the buyer to independently select the card brand and explicitly pass the chosen brand via the selectedCardBrand parameter. For specific steps on specifying the card brand, refer to Specify card brand.
How to enable
The processing flow for co-badged card payments is illustrated in the figure below:
When the buyer enters a co-badged card number, directly pass the number to the cardNo parameter in the payment request:
"paymentMethodMetaData": {
"cardholderName": {
"firstName": "Lady",
"lastName": "Gaga"
},
"cvv": "850",
"expiryMonth": "12",
"expiryYear": "29",
"cardNo": "4390********8888",
"selectedCardBrand": "VISA"
}Co-badged cards compliance
This section introduces the requirements for integrating co-badged card payment schemes within the European Economic Area (EEA), empowering you to accept diverse co-badged card transactions. As a merchant, you need to meet the requirements of European consumer protection laws and provide cardholders with more clear and convenient payment schemes.
Compliance guidelines
According to EU Regulation (EU) 2015/751, regardless of whether your business is registered in Europe, you must comply with these requirements if you accept co-badged card payments from consumers within the European Economic Area (EEA).
Integration requirements
To integrate co-badged card payment schemes effectively, you must adhere to the following requirements:
- Display the available payment schemes: Display all payment schemes associated with EEA-issued co-badged cards accepted by you, ensuring that each option's visual representation (size and logo) is consistent on the checkout page. Refrain from hiding other options.
- Honor the cardholder's choice: When the cardholder chooses a preferred card payment scheme, you need to respect that choice and proceed with the transaction. Do not override the cardholder's choice of payment scheme.
- Store payment scheme option: When the cardholder selects a preferred card payment scheme, you can prompt the cardholder to complete independent card binding to store the card information. This allows for a more streamlined payment process for subsequent payments.
By following the integration guide, you can integrate co-badged card payment schemes and provide cardholders with a better payment experience. Note that when integrating co-badged card payment schemes, you are required to comply with relevant security and privacy protection requirements to ensure a safe and trustworthy payment process.
Specify card brand
The merchant side collects plaintext bank card information and integrates card payments via APIs. If the buyer selects a co-badged card for authorized payment, you can specify the region of the card brand used in the transaction through the selectedCardBrands parameter.
Note:
- If selectedCardBrands is not set, Antom will automatically select a card brand for authorized payment.
- If you accept European co-badged cards, you must provide clear payment options to the buyer. For details, refer to Co-badged cards compliance.
The corresponding request example is as follows:
{
"order": {
"orderAmount": {
"currency": "EUR",
"value": "30000"
},
"orderDescription": "《Bad Romance》-Lady Gaga",
"referenceOrderId": "ORDER_20231208111545328",
"goods": [
{
"goodsCategory": "Digital Goods",
"goodsName": "《Bad Romance》",
"goodsQuantity": "1",
"goodsUnitAmount": {
"currency": "HKD",
"value": "30000"
},
"goodsUrl": "https://www.youtube.com/watch?v=QdaG6pDOz5A",
"referenceGoodsId": "GOODS_20231208111545328"
}
],
"shipping": {
"shippingName": {
"firstName": "lady",
"fullName": "lady gaga",
"lastName": "gaga"
},
"shippingPhoneNo": "123456789"
},
"buyer": {
"buyerEmail": "gaga@gaga.com",
"buyerName": {
"firstName": "lady",
"fullName": "lady gaga",
"lastName": "gaga"
},
"buyerPhoneNo": "123456789",
"referenceBuyerId": "88888888"
}
},
"env": {
"terminalType": "WEB",
"clientIp": "112.80.248.78",
"deviceId": "eYOIkvFpZzztgO0Yu6USdprBQZCWxDhiUAHCiK8K/cH9mT6wMaMO****",
"deviceLanguage": "zh_CN"
},
"paymentAmount": {
"currency": "EUR",
"value": "30000"
},
"paymentMethod": {
"paymentMethodType": "CARD",
"paymentMethodMetaData": {
"cardholderName": {
"firstName": "Lady",
"lastName": "Gaga"
},
"billingAddress": {
"zipCode": "310000",
"address2": "Xihu",
"city": "Hangzhou",
"address1": "Wuchang road",
"state": "Zhejiang",
"region": "CN"
},
"cvv": "850",
"expiryMonth": "12",
"expiryYear": "29",
"cardNo": "4390807888888888",
"selectedCardBrand": "VISA"
}
},
"settlementStrategy": {
"settlementCurrency": "SGD"
},
"paymentNotifyUrl": "https://kademo.intlalipay.cn/payments/notifySuccess",
"paymentRedirectUrl": "https://kademo.intlalipay.cn/melitigo/Test_114.html",
"paymentRequestId": "PAY_2023154445445328",
"productCode": "CASHIER_PAYMENT",
"paymentFactor": {
"isAuthorization": true
}
}