Added

Introducing Co-Badging & Local Scheme Support

🌍 Multi-Network Card Support

One card, multiple networks. Apata now supports co-badged cards with local scheme routing out of the box. 🎉

Many cards across Europe, the Middle East, and Latin America carry both a global network (Visa or Mastercard) and a local domestic scheme. Apata can now recognise and route these transactions to the correct scheme automatically - helping you stay compliant with local regulations and reduce processing costs. 💪

⚙️ How It Works

  • Multi-Scheme BIN Mapping - A single BIN range can now carry one primary scheme (e.g. Mastercard) alongside one or more local switch schemes (e.g. Mada, Elo, Jaywan). Each scheme gets its own AV keys, AV algorithms, and card range settings. ✅
  • Smart Routing - When a co-badged card is used, Apata inspects the incoming request domain and automatically routes to the appropriate local scheme. If no local scheme is configured, existing routing logic applies - nothing changes for you.
  • New directoryServer Field - Transactions processed via a local switch now include a directoryServer field, so you always know which network handled the transaction.

📌 Good to Know

The system enforces valid configurations only - you cannot assign the same scheme as both primary and local switch on a single BIN range. Each scheme maintains its own independent settings.

🚀 Enabled by Default

  • Co-badging support is available across all environments - configure local switches against any existing BIN range
  • No migration needed - your current single-scheme BIN mappings continue to work as before