Skip to main content

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

Response Codes Comparison

Adding Custom Network Support

To add a new network: