> ## 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.


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