> ## Documentation Index
> Fetch the complete documentation index at: https://docs.gr4vy.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Card schemes

> Explore the card schemes and networks supported by Gr4vy.

Gr4vy supports a wide range of card schemes, including major international networks and regional domestic schemes. When a buyer pays with a card, the card scheme identifies the network that processes the transaction.

Card scheme support depends on the [card processor](/connections/payments/overview) you connect to. Most card processors support the major international schemes (Visa, Mastercard, American Express), while regional scheme support varies by processor.

## Major international schemes

These card schemes are accepted globally and supported by most card processors.

| Scheme               | ID            | Description                                                                                                                           |
| -------------------- | ------------- | ------------------------------------------------------------------------------------------------------------------------------------- |
| **Visa**             | `visa`        | The world's largest card network by transaction volume. Accepted in over 200 countries and territories.                               |
| **Mastercard**       | `mastercard`  | A global payment network accepted in over 210 countries and territories.                                                              |
| **American Express** | `amex`        | A global charge and credit card network, popular in the US, UK, and Australia. Amex operates as both card issuer and network.         |
| **Discover**         | `discover`    | A major US card network also accepted in select international markets through partnerships with Diners Club, JCB, and UnionPay.       |
| **JCB**              | `jcb`         | Japan's largest card network, with growing international acceptance across Asia-Pacific, Europe, and the Americas.                    |
| **UnionPay**         | `unionpay`    | China's national card network and the world's largest by number of cards issued. Increasingly accepted internationally.               |
| **Diners Club**      | `diners-club` | One of the world's first charge card networks, now part of the Discover Global Network. Widely accepted for travel and entertainment. |
| **Maestro**          | `maestro`     | Mastercard's international debit card brand. Widely used in Europe, particularly in the UK, Germany, Austria, and the Netherlands.    |

## Regional and domestic schemes

These card schemes serve specific countries or regions. They often provide lower processing costs and higher approval rates for domestic transactions.

| Scheme               | ID                 | Region    | Description                                                                                                                                            |
| -------------------- | ------------------ | --------- | ------------------------------------------------------------------------------------------------------------------------------------------------------ |
| **Cartes Bancaires** | `carte-bancaire`   | France    | France's domestic card scheme, the most widely used payment method in France. Cards are often co-badged with Visa or Mastercard for international use. |
| **Bancontact**       | `bancontact`       | Belgium   | Belgium's national debit card scheme, used for the majority of electronic payments in Belgium.                                                         |
| **Dankort**          | `dankort`          | Denmark   | Denmark's national debit card scheme. Cards are often co-badged with Visa.                                                                             |
| **Elo**              | `elo`              | Brazil    | A Brazilian card network issued by Banco do Brasil, Bradesco, and Caixa Econômica Federal. It covers debit, credit, and prepaid cards.                 |
| **Hipercard**        | `hipercard`        | Brazil    | A Brazilian credit card brand created by the Itaú Unibanco group, widely accepted across Brazil.                                                       |
| **EFTPOS Australia** | `eftpos-australia` | Australia | Australia's domestic debit card network for point-of-sale and online transactions.                                                                     |
| **RuPay**            | `rupay`            | India     | India's domestic card scheme launched by the National Payments Corporation of India (NPCI). Widely used for domestic debit transactions.               |
| **MIR**              | `mir`              | Russia    | Russia's national card payment system, launched by the Central Bank of Russia.                                                                         |

## Debit and co-branded networks

These networks often operate alongside major card schemes on co-branded or multi-network cards, primarily in the United States.

| Scheme       | ID         | Description                                                                                           |
| ------------ | ---------- | ----------------------------------------------------------------------------------------------------- |
| **ACCEL**    | `accel`    | A US debit network that provides ATM and point-of-sale access.                                        |
| **Cirrus**   | `cirrus`   | Mastercard's global ATM network brand.                                                                |
| **Culiance** | `culiance` | A US credit union ATM network providing surcharge-free access.                                        |
| **NYCE**     | `nyce`     | A US electronic funds transfer network for ATM and point-of-sale transactions.                        |
| **Pulse**    | `pulse`    | A US debit network owned by Discover Financial Services.                                              |
| **STAR**     | `star`     | One of the largest US debit payment networks, connecting ATMs and point-of-sale terminals.            |
| **QCARD**    | `qcard`    | A New Zealand credit card scheme.                                                                     |
| **UATP**     | `uatp`     | The Universal Air Travel Plan, a payment network owned by major airlines for travel-related payments. |

## Co-badged cards

Many cards carry multiple scheme logos—for example, a French card might show both Cartes Bancaires and Visa. These co-badged cards can be routed through either network, depending on the region and processor configuration.

Gr4vy detects the card scheme automatically during processing. Cards that don't match a recognized scheme are reported as `other`.

You can use the [card scheme definitions API](/reference/card-schemes/list-card-scheme-definitions) to retrieve the full list of supported schemes programmatically.