Diners

Diners Club International (Diners Club) is a globally recognised premium payment brand with a long history. Since the issuance of the world's first multipurpose credit card in 1950, the brand has remained focused on serving the payment needs of select and affluent consumers, with a core emphasis on premium travel, international business, and cross-border payments. By its 75th anniversary in 2025, Diners Club operates an acceptance network spanning more than 190 countries and regions, supported by over 40 issuing institutions across 35+ markets and millions of merchant acceptance points worldwide.

Diners Club has been integrating its benefits ecosystem, technological network, and corporate solutions, shaping a distinctive market positioning that is often described as "niche, yet high-margin."

The core customer base of Diners Club consists of high-net-worth individuals who place a premium on service quality, family health, and time efficiency. These customers tend to exhibit strong loyalty to premium financial products that offer exclusive services, rare resources, and integrated solutions. Through multi-currency settlement capabilities, deep integration with travel ecosystems, and cross-network technical support, Diners Club has successfully reinforced its expert position in the premium payment market.

Properties

The table below summarises the main features of Diners Club's credit card payments, covering merchant acquiring, supported currencies, 3D Secure, refund options, and chargeback or dispute management, providing a reference for businesses to evaluate integration options.

Note:

1. Diners Club credit card payments support multi-currency cross-border transactions as well as refund and chargeback management, serving as a key payment method for premium merchants.
2. AVS is an anti-fraud service provided by credit card issuers, primarily used to verify the cardholder's identity during online or card-not-present transactions.

User experience

This section presents the user experience of Diners Club in different scenarios:

API integration

This section shows the difference in user experience between those PCI and non-PCI qualified under the API integration. Through direct API integration, merchants can build customised payment gateways and risk control strategies, enhancing the credit card payment experience and improving payment conversion rates.

PCI qualified

This section shows the difference between the first-time and subsequent payments under the PCI qualified.

First-time payment

This section shows the difference between Web and app when making the first-time payment under the PCI qualified.

Web

App

Non-PCI qualified

This section shows the difference between the first-time and subsequent payments under the non-PCI qualified.

First-time payment

This section shows the difference between Web and app when making the first-time payment under the non-PCI qualified.

Web

App

Subsequent payments

This section shows the difference between Web and app when making the subsequent payments under the non-PCI qualified.

Web

App

SDK integration

This section shows the difference between the first-time and subsequent payments under the SDK integration.

First-time payment

This section shows the difference between Web and app when making the first-time payment under the SDK integration.

Web

App

Subsequent payments

This section shows the difference between Web and app when making the subsequent payments under the SDK integration.

Web

App

Choose Diners Club for premium and corporate merchants

Whether serving affluent individuals or supporting corporate travel and cross-border merchants, Diners Club offers a credit card payment solution that combines security with a premium user experience.
Backed by a global acquiring network, flexible API and SDK integration options, and strict PCI compliance standards, Diners Club has become the preferred payment solution for high-end businesses and international enterprises.

FAQs

1. Which users prefer Diners Club?

Data shows that the following three types of users prefer Diners Club:

• Frequent business travellers who regularly take international flights and value access to airport VIP lounges and fast-track security services overseas;
• Individuals who spend over RMB 200,000 annually on credit cards and are accustomed to redeeming points for airline miles;
• Corporate finance teams that manage frequent employee travel and prioritise unified billing, as well as reduced reliance on advance payments and reimbursement processes.

2. What are the highlights of the Diners Club experience for high-end customers?

High-end Diners Club cardholders enjoy complimentary access to over 1,300 airport VIP lounges worldwide, automatic compensation for flight delays, unified billing for easy reimbursement, and exclusive gifts at high-end hotels and restaurants. With every purchase, cardholders earn points that can be redeemed for airline miles, and enjoy premium travel and shopping without the need for advance payment.

3. Is Diners Club secure?

Diners Club supports features such as 3DS authentication, which helps reduce fraud transaction rates and ensures the security of the payment process.

4. What is the Interchange++ pricing model?

Interchange++ is a highly transparent payment pricing model. This model accurately tracks the interchange fees and card network settlement fees incurred for each transaction and allows for cost pre-estimation before the payment is completed. With this precise, transaction-level pricing model, merchants can clearly understand the actual cost breakdown for each payment.

5. Does Antom charge an initial system fee or monthly service fee?

Antom's basic acquiring products do not charge any system installation fees, monthly service fees, technical integration fees, or account cancellation fees. If you would like to learn more about specific service terms and fee structures, please contact our business team, who will provide a customised service description based on your business needs.