B-2 Debit card representation in mobile wallets and devices – Credit and Debit Card Code
The Supervision and Promotion Branch (SPB) of the Financial Consumer Agency of Canada (FCAC) was asked to clarify requirements under the Code of Conduct for the Credit and Debit Card Industry in Canada (the Code) as to how debit cards can be represented in mobile wallets or mobile devices.
The issue raised is whether debit payment credentials from different card networks can be represented on a single digital card image or whether they must be represented on separate digital card images (i.e. one card image for each network).
Element 6 of the Code states that “In Mobile wallets or mobile devices, debit payment credentials from payment card networks must be represented as separate payment applets”. The Code defines the term “payment applet” as “a software application on a mobile device, or within a mobile wallet, that enables a contactless payment by linking a single payment credential (e.g. credit or debit) through a specific payment card network.”
It is SPB’s position that for mobile wallets or mobile devices that use graphical representations of payment cards, the Code requires that the debit payment credentials associated with each payment card network be represented on separate card images. This is consistent with the following requirements under the Code: 1
- debit payment credentials from payment card networks must be represented as separate payment applets (element 6);
- all representations of payment applets, and the payment card network brands associated with them, must be clearly identifiable and equally prominent (element 7); and
- credit and debit payment credentials must be clearly separate payment applets and consumers can select which payment applet to use for contactless payments (element 8).
We request that you communicate this information with relevant parties, including both Code and non-Code participants.
Richard Bilodeau, Director
Supervision and Promotion Branch
Financial Consumer Agency of Canada
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