Payment Types


This page details some of the common forms of payment which are referenced in many of our APIs.

There are many different forms of 'payment instrument'; the item or mechanism a party uses to pay another party. The main categories for these within our APIs are:

  • Card - a physical or digital card entity, these will sit under a 'card scheme' such as Visa and contain information like a card number and expiry date, the data required and stored in this case follows a specific set of rules
  • Cash - the old fashioned way, very little data about the instrument can be stored in this case
  • Alternative - an alternative form of payment, such as digital wallets like Google Pay or PayPal, or tokenized card data, the data stored here varies depending on the service used

Card Brands

See the following table for some detail on the combined set of card brands / schemes referenced across our APIs. Note that not all APIs will necessarily support all card schemes.

Our CodeNameDescription
VISAVisaMost common card scheme supported almost everywhere.
MCMasterCardSecond most common card scheme supported almost everywhere.
AMEXAmerican ExpressClosed-loop payment scheme.
MAESTROMaestroBrand of debit cards owned by Mastercard, will be phased out of use in Europe starting in 2023
DINERSDiners ClubCard brand owned by Discover*
JCBJCBInternationational payment brand based in Japan, works with Discover and AMEX
CarnetCarnetMexican brand of debit, credit, prepaid, and electronic voucher cards.