frequently asked questions

  1. Who is Discover Financial Services?

    Discover Financial Services (NYSE: DFS) is a direct banking and payment services company with one of the most recognized brands in U.S. financial services. Since its inception in 1986, the company has become one of the largest card issuers in the United States. The company issues the Discover card, America’s cash rewards pioneer, and offers home loans, private student loans, personal loans, home equity loans, checking and savings accounts, certificates of deposit and money market accounts through its direct banking business. It operates the Discover Global Network, with millions of merchant and cash access locations; PULSE, one of the nation’s leading ATM/debit networks; and Diners Club International, a global payments network with acceptance in more than 185 countries and territories.

  2. What is Discover Global Network?

    Discover Global Network is the third largest payments network in the world¹ with more than 30 million merchant acceptance locations and 1.5 million ATM and cash access locations across 185 countries and territories. The Discover Global Network brings together Diners Club International, Discover, PULSE and a select group of Alliance Partners to serve the payment needs of millions of Cardholders worldwide.

    1 Retail Banking and Research, July 2014

  3. What are the Global Network Alliances?

    Discover Global Network Alliances facilitate electronic payments across multiple networks around the world. As a result, the domestic network partners can issue cards under the Global Card Program and can accept Discover, Diners Club, and cards issued by our existing Network Alliance at POS and ATMs managed by the domestic network within its own market.

  4. Who are the existing global network alliance partners?

    Our Global Network Alliances consist of partners issuing Global Cards, accepting our cards by joining the Discover Global Network, or participating in both programs.

    View the Global Network Alliances

  5. What are the benefits of the global card program (issuing)?

    Discover Global Card Program provides a faster and more economical access to international acceptance for a domestic networking by establishing a link to Discover Global Network. Domestic network continues to manage and control its own brand and rules in the domestic market. Click here to find out more.

  6. What are the benefits of joining discover global network (Acquirer)?

    By linking to the Discover Global Network your domestic network becomes part of the third largest networks in the world. Our partnership allows key participants of a domestic network – merchants, ATM providers, acquirers – to see additional volume in the domestic market from our 70+ million loyal cardholders, who spend nearly 2 times more on average every year and have larger credit lines that Visa/Mastercad cardmembers².

    2 TNS, State of the Card Market Report, 2013

  7. Do you offer an EMV Solution?

    D-Payment Application Specification (D-PAS), is the Discover® EMV compliant smart-card payment solution for both contact and contactless interfaces. Our solution supports and conforms to current EMV standards, allowing for easy implementation and integration of the D-PAS solution. We work with a domestic network to implement reapid-issuance chip services that minimize host system changes, reduce start-up costs and improve speed to market. Click here to find out more.

  8. What are the terms to become a global network alliance partner?

    Please contact us for additional information at