Accept Diners and Discover cards
What Discover Global Network (DGN) cards will I be able to accept?
With over 105 million cardholders around the world, DGN includes Discover® cards from the US, Diners Club International® cards from more than 55 countries, and alliance partner cards from Brazil, India, Serbia, South Korea and Turkey.
Partner cards include the largest networks in:
- Brazil with Elo Global Card
- South Korea with BC Global Card
- Turkey with Troy Global Card
- India with RuPay Global Card
What are the benefits of taking Discover Global Network (DGN) cards?
In the UK, DGN cardholders have already spent 39% more in 2018 compared to 2017¹, so the popularity of the card is increasing.
Your business has the opportunity to:
Attract new customers and give existing customers more flexibility on a wider range of accepted cards
Growth sales opportunity, as 81% of Discover Cardholders* would visit merchant again if preferred payment type was accepted
Receive complimentary signage pieces with free shipping from DGN at www.DiscoverGlobalSignage.com
¹ DFS Internal Data – September 2018
† C+R Research Study of 3,000 Discover Cardholders, April, 2018, commissioned by DFS Services LLC
* Discover cardholders who have travelled internationally in the past 18 months
What do I need to do?
If you have a Barclaycard terminal, then you don’t need to do a thing. We’ll take care of everything for you and update your Barclaycard terminal(s) automatically. There aren’t any terminal upgrades that need you to do, just make sure it’s switched on for its monthly update.
My terminal isn't from Barclaycard
If your terminal isn't rented from Barclaycard, please contact your PSP/terminal provider to discuss Discover acceptance through Barclaycard. This may require your PSP/terminal provider to re-accredit to Barclaycard for Discover.
What do I need to do if I already accept Discover cards through Elavon?
You do not need to do anything right now. We will write to you in early 2019 for your terminals connected to Elavon.
When can I get started?
Please refer to the letter you received which details when you can start taking the Discover Global Network family of cards using Chip & Pin and contactless.
Will Discover be available in UK only?
Discover is available in all the Barclaycard licensed territories.
Are all transactions types including MO/TO, ecomm supported for Discover?
All Transactions types supported for Discover similar to VISA and MasterCard.
Is Discover available to all Merchant category codes?
Yes, Discover is available to all Merchant category codes.
Can we opt out for Discover?
Discover is being offered as a standard Barclaycard offering. With no additional charges/fees, you can benefit your business by adding another payment method. If you have any more queries, please contact your Barclaycard representative.
Where can we get updated signage with Discover logo?
We have dispatched the complimentary signage pieces in letter sent to you. You can also download or order signed from DGN at www.DiscoverGlobalSignage.com
What do I need to do if I take payments via ePDQ solution?
We will apply the payment method to your account, and this should appear automatically on your Payment page, depending on which Payment Gateway product you use, and how you have integrated it. If the Discover logo does not appear, or you are unsure, or you do need to perform an integration update to allow Discover to be a selectable payment method, please consult your IT Team/web developer.
What do I need to do to integrate our ePDQ solution?
You need to follow the same integration steps as for VISA/MasterCard. Your IT Team should be aware of the integration process followed for other schemes. If you want to revisit integration instructions, please refer to support.epdq.co.uk/en
What do I need to do if I take payments via Smartpay ?
We are working to make Discover available on your Smartpay (Smartpay A) solution and will communicate further with next steps.
How much will it cost?
You’ll be able to start accepting all cards on the Discover Global Network at your current Visa and Mastercard rates. Any premiums or transaction fees that you currently pay will be incurred on DGN transactions too. Please refer to the correspondence you received from us which outlines the rates that you will align to.
What is the new International Transaction fee?
The new International Transaction Fee is an additional charge of 2.2%, which will be added to your MSC rate for any transactions where the card is issued outside of the European Economic Area. This fee applies to all schemes.
Why have you introduced a new International Transaction fee?
International transactions cost us more to process than domestic transactions and, because the volume of International transactions that we’re seeing is increasing, we’ve decided to apply an additional cost for this type of transaction to cover our increased cost.
Will I receive a separate statement and settlement for Discover?
Barclaycard will process Discover cards under the same merchant id as your Visa and Mastercard transactions and this will be included in your current statement and settlement.
How much Interchange++ customer charged for processing Discover transaction?
You’ll be able to start accepting all cards on the Discover Global Network at the interchange rate and scheme fee below which will be notified in your schedule of charges or on your statement. The processing fee will be the same as you currently pay for Visa transactions.
Please note that Discover Global Network has recently updated Intra Europe commercial interchange rates for Intra EEA (European Economic Area) and Intra Non EEA. We’ve put these new interchange fees in the table overleaf as following so you can see how they could affect your transactions.
|Card type (applies to all Discover Global Network Cards)||Issuer region||Transaction location||Scheme fee||Interchange rate (%)|
|Consumer debit||Europe inc. UK||Europe inc. UK
||0.15% for each transaction||0.20**|
|Consumer credit||Europe inc. UK||Europe inc. UK
||0.15% for each transaction||0.30**|
|Consumer debit and Consumer credit||Non-Europe||Europe inc. UK
||0.15% for each transaction||1.50**|
|Commercial debit and commercial credit||All Regions||Europe inc. UK
||0.15% for each transaction||1.75**|
** Norway is not an EU Member State but is included in the EEA. However, the Interchange Rates are the same as “Non-Europe” in the table above.
Poland: Poland has been granted an exemption from the EU Interchange Fee Regulation until December 2018. The Interchange Rate for transactions in Poland for Consumer Credit and Debit Cards issued in Poland – 1.50%. The Interchange Rate for all Consumer Debit transactions in Europe for Consumer Debit Cards issued in Poland – 0.20%. The Interchange Rate for all Consumer Credit transactions in Europe for Consumer Credit Cards issued in Poland – 0.30%.
Iceland and Liechtenstein: Iceland and Liechtenstein are not EU Member States but are included in the EEA. Currently, the EU Interchange Fee Regulation is under consideration for incorporation in the EEA. If and when it is incorporated into the EEA Agreement, it will become enforceable, at which time Discover Global Network may be required to change the Interchange Rate. Iceland and Liechtenstein: Consumer Credit and Debit Interchange Rate regardless of Issuer Region – 1.50%, Commercial Credit and Commercial Debit Interchange Rate regardless of Issuer Region – 1.75%.
Switzerland: The Interchange Rate for all Card Types and all transactions is 1.75%.
The Interchange Rates in the above table are applicable for eCommerce and Point of Sale transactions in the specified Regions/Countries.
The Interchange Rate for eCommerce transactions for Regions/Countries not specified in the above table is 2.00%, with the exception of the USA, Mexico and the Caribbean which are excluded.
Will I receive a separate statement and settlement for Discover?
Barclaycard will process Discover cards under the same merchant id as your Visa and MasterCard transactions and this will be included in your current statement and settlement.
Need more information?
We’re looking forward to helping you welcome new customers with Discover Global Network soon. If you have any queries, please call us on 0844 811 6666* (open 8.30am – 6pm Mon – Fri) or if you have an Account Manager please speak to them directly.
* Calls will cost no more than 7p per minute plus your phone company's access charge. (International calls will be charged at a higher rate – please check with your telecoms provider.) To maintain a quality service we may monitor or record phone calls.