---
title: "Mastercard and Visa linked card coverage - Payhawk Help Center"
slug: "payhawk-s-mastercard-and-visa-card-coverage"
description: "Check which Visa and Mastercard cards Payhawk supports for linking, how virtual card transactions appear, and which cards and transactions are excluded."
updated: 2026-02-26T12:11:11Z
published: 2026-02-26T12:11:11Z
canonical: "payhawk.com/payhawk-s-mastercard-and-visa-card-coverage"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://payhawk.com/help/llms.txt
> Use this file to discover all available pages before exploring further.

# Payhawk's Mastercard and Visa linked card coverage

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 (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.

> [!WARNING]
> 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.