American Express (AMEX)
Detection
- PAN prefix: 34, 37
- 15 digits
Required Fields
Example
AMEX-Specific Notes
- Uses 15-digit PANs (not 16)
- Different response code meanings for some codes
- CVV location differs (4 digits on front)
Discover
Detection
- PAN prefix: 6011, 644-649, 65
- 16-19 digits
Required Fields
Example
Discover-Specific Notes
- D-PAS for tokenization
- Similar authorization flow to VISA
- ProtectBuy for 3D Secure
JCB
Detection
- PAN prefix: 3528-3589
- 16-19 digits
Required Fields
Example
JCB-Specific Notes
- Japan-based network with global acceptance
- J/Secure for 3D Secure authentication
- Currency conversion considerations for international transactions
UnionPay
Detection
- PAN prefix: 62
- 16-19 digits
Required Fields
Note: UnionPay requires Field 49 (Currency Code).
Example
UnionPay-Specific Notes
- China-based network
- Field 49 required for currency identification
- QuickPass for contactless payments
- Supports both debit and credit products