Re: [w3c/payment-method-basic-card] Brand selection (#49)

Looking Chrome implementation, we are asked to select or add a new card:

![capture1](https://user-images.githubusercontent.com/1512261/37329415-0b3ed69a-269e-11e8-8fcb-43e1e2820c24.PNG)

When payment handler is selected, card acquisition process display all supported networks:

![capture2](https://user-images.githubusercontent.com/1512261/37329467-36496382-269e-11e8-8a07-630548235597.PNG)

>> If not all payment brands and product types are displayed at once for selection, the Acceptor shall inform the Cardholder how to select the other supported payment brands and product types.
>
> I think the above is also fine at a UI level for all browsers, no?

In my opinion, what is done seems not enough to comply, I will detail it.

>  If not all payment brands and product types are displayed at once for selection

We are in that case where  not all payment brands and product types are displayed before selecting the payment handler. On first screen, we haven't any logo or network selection capabilities. As a consequence, we have to comply with the second rule:

>  the Acceptor shall inform the Cardholder how to select the other supported payment brands and product types.

One way to support that, for instance in CB case could be to:
- Display CB logo next Mastercard and Visa,
- Detect the card is supporting two networks and adapt detected network accordingly,
- Give a way for the buyer to select either CB brand or Visa/Mastercard one,
- Return that buyer choice to the acquirer because it have to be transmitted during authorization process

Note that CB and merchants are requesting for an additional requirements giving us a way to define their preferred network in the case where the buyer doesn't select the network he want to use (even if he have the choice).

> I think we only need is a proof that a credit card can have be on two networks but have the same number. Can you provide a link to show that (or a test number that I can run against bindb)?

It is not quite easy to detect a card as supporting two networks, here is for instance bindb result for my personal VISA/CB card:

![capture3](https://user-images.githubusercontent.com/1512261/37329979-dcd766f8-269f-11e8-82b9-0c578e2a7bda.PNG)

There is not any information according CB support and as a PSP, we need to access a specific BIN database indicating additional information such as CB support.

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Received on Tuesday, 13 March 2018 08:28:31 UTC