Multi Network Card Routing (MNCR)

Multi Network Card Routing applies to transactions that are processed using a Relevant Multi-Network Card using contactless technology (i.e. when a cardholder taps their physical Visa Debit card at a terminal), or as an eCommerce transaction (i.e. when a cardholder makes an online or mobile wallet payment).

Multi Network Card Routing might not apply to transactions made:

• using any other Single Network Card types (e.g. Visa Credit card with a linked bank account); or
• when a cardholder physically inserts their Multi-Network Card and selects the account; or
• when the cardholder pays using their Mobile Wallet (some wallets might not be supported yet e.g. Samsung Pay)

For contactless transactions, 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).

However, for eCommerce transactions, you should advise the customer that this is not possible.

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.

For contactless transactions, 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.

For eCommerce transactions, you should display on the online or mobile app's payment page to inform your customer that a Visa or Mastercard Debit transaction may be routed through the eftpos network.

Where your Merchant Service Fees are the same for eftpos, Visa Debit and Mastercard Debit transactions, Worldline will enable and manage Multi-Network Card Routing by default. If you would like to disable it, please contact us to determine your eligibility.