Discover / Diners Club
Discover / Diners Club is a global card network method. Customers pay by: card details online.
- Category
- Cards
- Type
- Global card network
- Customer experience
- Card details online
- Currencies
- USD, EUR
- Markets
- 6 countries
- Recurring
- Supported where the scheme allows
- Refunds
- Full and partial
- Payment links
- Supported
- Hosted checkout
- Supported
- API
- Supported
- Settlement
- T+2 to T+7 depending on scheme, currency and risk profile
Available through The Vision Bank
Provided through a regulated payment partner. Access depends on that partner's onboarding and coverage.
Availability depends on your merchant country, legal entity, customer country, industry, risk classification, currency, product and payment-partner coverage. Nothing on this page is an offer of service.
Check eligibilityPricing for Discover / Diners Club
One rule everywhere: the underlying provider cost plus a $1.00 per transaction Vision markup. Scheme, network and FX charges are always shown separately, at cost.
- Underlying provider cost
- Provider cost band, typically 0.9%–2.4% per transaction
- Vision markup
- $1.00 per transaction
- What you pay
- Provider cost + $1 per transaction
- Scheme & network charges
- Interchange, scheme and assessment fees billed at cost, itemised on your statement
- Currency conversion
- FX applied only when the settlement currency differs from the transaction currency
- Settlement
- T+1 to T+5 depending on risk profile
These bands show how a price is built, not a quote. Your rate is confirmed at onboarding once your entity, industry, volume and markets are reviewed.
Partner infrastructure
Discover / Diners Club is processed through regulated infrastructure. Partner identities are disclosed only where the relationship is confirmed and cleared for publication.
Licensed payment partners
Regulated payment institutions and acquirers that hold the scheme memberships and licences required to process a method.
T+1 to T+5 depending on scheme and risk profile
Local acquiring partners
Domestic acquirers and payment operators that connect us to a country's own card and bank rails.
Domestic settlement cycle, usually T+1 to T+3
Tier 1 banking partners
Large, systemically important banks that hold client funds, issue IBANs and clear major currencies.
Same-day to T+1 in the settlement currency
Eligibility & requirements
Every merchant
- · A registered business entity with incorporation documents
- · Identification for directors and beneficial owners (KYC / KYB)
- · Description of the business model, products and customer base
- · Expected monthly volume, average transaction size and target markets
- · A live website or product with clear terms, refund and privacy policies
- · Sanctions, AML and risk screening of the entity and its owners
Entity
- · Registered entity in a supported jurisdiction
- · Processing history or projections
- · Bank account in the settlement currency
Technical
- · 3-D Secure support where mandated
- · Checkout or API integration
- · Refund and chargeback handling
Compliance
- · PCI DSS scope agreed at onboarding
- · Chargeback ratio monitoring
- · Industry accepted by the acquiring partner