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Payhawk's Mastercard and Visa card coverage

Understand which cards and transactions are supported by Payhawk, including virtual card visibility and regional coverage.

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Written by Payhawk
Updated this week

You can use a variety of supported Visa and Mastercard cards with Payhawk across select regions, with coverage details including virtual card visibility, supported regions, and any excluded card or transaction types.

Supported cards and regions

Payhawk currently supports Visa and Mastercard open-loop Credit (Consumer and Commercial) and Debit (Commercial) cards in the US, Canada, and other selected regions.

Virtual card coverage

Payhawk has visibility into transactions made on virtual cards that are directly enrolled. However, virtual cards are often issued under a parent card. If only the parent card is enrolled, visibility into virtual card transactions depends on how the Issuer processes them:

  • If the virtual cards are processed on the enrolled physical/base PAN, the transactions will appear in your data feed.

  • If the virtual cards are processed on the virtual PAN (not enrolled), the transactions will not appear.

There is no reliable way to distinguish whether a transaction was made using a physical or virtual card.

Unsupported cards

Payhawk does not support the following card types:

  • Prepaid cards

  • Closed-loop cards, such as gift cards and store cards that can only be used at the Issuer’s location or within their ecosystem

  • Government-administered prepaid cards (including EBT cards)

  • Flexible Spending Account (FSA) and Health Savings Account (HSA) cards

  • Visa Buxx

  • Wells Fargo and SEB (Skandinaviska Enskilda Banken AB) Mastercard cards

Unsupported transactions

Payhawk does not support the following types of transactions:

  • Payments made through indirect payment methods, such as third-party payment apps, where a Visa or Mastercard is selected as the funding source, but the card or card token is not presented directly to the merchant.

  • Payments of existing card balances

  • Balance transfers

  • PIN-based purchases on debit cards (US and Canada)

  • Transactions not processed through the Visa or Mastercard payment networks, including Issuer fees not submitted over Visa or Mastercard systems, such as international transaction fees charged directly by the issuer.

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