What is a Card Scheme?
A card scheme is the organisation that operates a payment card network, setting the rules, standards, and infrastructure that enable card transactions between merchants and cardholders. Visa, Mastercard, American Express, and JCB are all card schemes.
Overview
A card scheme is the organisation that operates a payment card network, setting the rules, standards, and infrastructure that enable card transactions between merchants and cardholders. Visa, Mastercard, American Express, and JCB are all card schemes.
How It Works
This technology plays an important role in the payment card ecosystem, enabling secure transactions across multiple channels.
Security Considerations
Under PCI DSS, all cardholder data — whether from chip cards, magnetic stripes, or card-not-present transactions — must be protected. The method of data capture determines which PCI DSS requirements apply.
Paytia handles card-not-present payments where card schemes are used over the phone. DTMF suppression ensures card details are captured securely without agents hearing them, regardless of the card type.
Frequently Asked Questions
What is a card scheme?
A card scheme is the organisation that operates a payment card network, setting the rules, standards, and infrastructure that enable card transactions between merchants and cardholders. Visa, Mastercard, American Express, and JCB are all card schemes.
Can I use a card scheme for phone payments?
Yes. Card Schemes can be used for phone payments. The card number, expiry date, and security code are entered on the phone keypad using DTMF masking technology.
Is a card scheme secure?
Yes, when handled correctly. PCI DSS requires all card data to be protected regardless of card type. Using DTMF masking for phone payments ensures the data never enters the agent environment.
Related Terms
See how Paytia handles card scheme
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