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

# Card scheme codes

> Card scheme codes used in Fexco rate service responses and V-file transaction import records for DCC.

> [!NOTE]
>
> Card scheme codes are for internal use only. They are included here as
> a reference for Fexco integration partners.

This page lists the card scheme codes used in DCC integrations. Two code
sets apply depending on the context: a rate service response may include
`schemeCode`, while the V-file transaction import format uses a two-digit
numeric code in the UPI and JCB subrecord.

## Rate service scheme codes

In Rate Service Connect, the `exchangeRate.schemeCode` field may
be absent or null. When non-null, it is an integer. Use this code to
identify the card scheme associated with the rate offer. It
does not confirm that a payment transaction was processed. Handle
responses where the field is absent or null without assuming a scheme code.

The following table lists valid values for the `schemeCode` field:

| Code | Card scheme |
| :- | :- |
| `1` | Visa |
| `2` | Mastercard |
| `3` | Diners |
| `4` | American Express (AMEX) |
| `5` | Laser |
| `6` | Maestro |
| `7` | JCB |
| `8` | Switch/Maestro UK |
| `9` | ATOS |
| `10` | Maestro All |
| `11` | Ambiguous |
| `12` | UnionPay (UPI) |

## V-file scheme codes

The CARD SCHEME CODE field appears as a two-digit numeric value in field 8
of the UPI and JCB subrecord (subrecord type `06`) in the V-file transaction
import format. It indicates the card brand and card type for each transaction
row. Zero-fill this field when the card scheme does not apply to the record.

The following table lists valid two-digit codes for the CARD SCHEME CODE
field:

| Code | Card scheme |
| :- | :- |
| `02` | American Express |
| `05` | Diners |
| `10` | JCB |
| `17` | Visa |
| `22` | Mastercard |
| `23` | Debit Mastercard |
| `42` | Maestro IRL |
| `43` | Electron |
| `44` | Maestro International |
| `45` | Maestro UK |
| `47` | Visa Debit UK |
| `61` | UnionPay |
| `97` | Visa Debit IRL |
| `98` | ATOS |
| `99` | Laser |

## Next steps

* [V-file format reference](https://docs.fexco.com/dcc/developer-resources/file-formats/v-file.md):
  field specifications for the V-file fixed-width transaction import format,
  including the UPI and JCB subrecord.
* [Transaction type codes](https://docs.fexco.com/dcc/developer-resources/codes/transaction-type.md):
  codes used alongside card scheme codes in transaction import records.


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