From 09 June 2016 you will no longer be obliged to accept all card types issued in the EEA within a particular card scheme (e.g. Visa or MasterCard). However, within a particular card scheme, if you wish to accept one type of consumer card within one of the three categories of consumer prepaid, consumer debit or consumer credit, you will still be obliged to accept all card types within that particular category. For example if you wish to accept one type of EEA-issued Visa consumer debit card, you will need to accept all types of EEA-issued Visa consumer debit cards.
One potential use of the new rules means that if you choose to accept consumer credit cards from a particular card scheme, you are no longer obliged to accept commercial credit cards from the same card scheme.
To make use of these options, you need to define your preferences (preferred card schemes and categories accepted) at the point of entry of your premises and at the point of sale, as well as on your website payment pages. Note that, even if you choose not to exclude certain card categories, you can still “steer” customers to a particular form of payment. However, you cannot refuse any payment card on the basis of the identity of the issuer.
These rules do not apply to cards issued outside the EEA. If you wish to accept cards within card scheme that are issued outside the EEA, you will still be obliged to accept all card types of that card scheme that are issued outside the EEA, regardless of category of card.
Worldpay’s Customer Operating Instructions (available at www.worldpay.com/uk/support-sme-support/operating-instructions) will be updated accordingly. If you are a customer using our Hosted Payment Pages on the Corporate Gateway and want to take advantage of this change to reduce the number of card types you will accept within a card scheme (a ‘limited acceptance merchant’) a technical change may be required. Please consult the following link for further guidance - support.worldpay.com/support/kb/gg/hpp/Content/Content0/Compliance.htm#Honour