# CardAcceptancePolicyDto

A model the API reference uses in a request or a response. The operation pages link every field typed as this model here.

The cards a merchant is willing to take, judged from the card's BIN. Additive and optional on
the merchant create, update and read surfaces: a caller that omits it gets today's behaviour,
which is that every card is accepted.

## Fields
- `acceptCredit` (boolean): Whether credit cards are accepted. Omitted or null accepts them. (nullable)
- `acceptDebit` (boolean): Whether debit cards are accepted. Omitted or null accepts them. (nullable)
- `acceptPrepaid` (boolean): Whether prepaid cards are accepted. Omitted or null accepts them. Prepaid is an overlay on  the debit or credit rail, so a prepaid debit card is refused if either this or  `acceptDebit` is off. (nullable)
- `acceptConsumer` (boolean): Whether consumer (personally issued) cards are accepted. Omitted or null accepts them. (nullable)
- `acceptCommercial` (boolean): Whether commercial cards are accepted. Omitted or null accepts them. A GSA card is judged by  `acceptGsa` alone, so turning this off does not refuse government purchase cards. (nullable)
- `acceptGsa` (boolean): Whether GSA (US government purchase) cards are accepted. Omitted or null accepts them. (nullable)
- `issuerCountryMode` ([IssuerCountryMode](https://devportal.demo.winkpg.io/docs/api/models/IssuerCountryMode.md)): How the issuer country is judged. Omitted or null means  `Any`, which does not consider the issuer country at all. Conditional: When IssuerCountryMode is not null. (nullable)
  Values:
  - `Any`: Issuer country is not considered. The default.
  - `DomesticOnly`: Only cards issued in the merchant's own country are accepted.
  - `AllowList`: Only cards issued in one of the listed countries are accepted.
  - `DenyList`: Cards issued in one of the listed countries are refused; all others are accepted.
- `issuerCountries` (array<string>): The ISO 3166-1 alpha-2 issuer country codes the mode operates on. Required and non-empty for  `AllowList` and  `DenyList`, and must be empty for  the other two modes. Conditional: When IssuerCountries is not null. Conditional: When IssuerCountries is not null and IssuerCountries.Count > 1. Conditional: When RequiresCountries(IssuerCountryMode) is true. Conditional: When RequiresCountries(IssuerCountryMode) is false. (nullable)
- `unknownBinPosture` ([UnknownBinPosture](https://devportal.demo.winkpg.io/docs/api/models/UnknownBinPosture.md)): What happens when the card's BIN cannot be resolved. Omitted or null means  `Accept`, which is what the  platform has always done. Conditional: When UnknownBinPosture is not null. (nullable)
  Values:
  - `Accept`: Take the card anyway. The default, and what the platform did before this policy existed: a BIN miss is a gap in reference data, not a signal about the card.
  - `Decline`: Refuse the card. For a merchant whose restrictions matter more than the sale, so a card the platform cannot classify is not silently let through.

## See also

- [All documentation](https://devportal.demo.winkpg.io/llms.txt): the machine-readable index of every public page on this site.