Multi Network Card Routing (MNCR)

Multi Network Card Routing applies to transactions that are processed using a physical Relevant Multi-Network Card using contactless technology (i.e. when a cardholder taps their physical Visa Debit card at a terminal).

Multi Network Card Routing does not apply to transactions made:

• using any other card types (e.g. Visa Credit card with a linked bank account);
• when a cardholder physically inserts their Multi-Network Card and selects the account; or
• when the cardholder pays using their Mobile Wallet (e.g. ApplePay).

You can let the customer know that if they insert their Multi-Network Card into the terminal and they manually select the applicable account, this will route as per the cardholder’s choice (ie. if they press credit this will route via Visa or Mastercard).

The terminal will prompt you to insert or swipe the card if the Electronic Terminal cannot process the contactless transaction. The transaction will then be processed as a normal card transaction and a PIN may be required, in this scenario the transaction will no longer be eligible for Multi Network Card Routing and the transaction will route as per the cardholder’s choice.

When Multi Network Card Routing is activated this will be displayed on you Electronic Terminal. If your customer wants to select their preferred network they will need to insert their Multi-Network Card into the terminal and manually select their preferred network.