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# merchantCapabilities

An array of the payment capabilities that the merchant supports, such as credit or debit.

```
required sequence <ApplePayMerchantCapability> merchantCapabilities;
```

## Discussion

The supported values for `merchantCapabilities` are:

- `supports3DS` - Required. This value must be supplied.
- `supportsCredit` - Optional. If present,  only transactions that are categorized as credit cards are allowed.
- `supportsDebit` - Optional. If present, only transactions that are categorized as debit cards are allowed.
- `supportsEMV` - Include this value only if you support China Union Pay transactions.

If both or neither `supportsCredit` and `supportsDebit` values are supplied, the transaction allows both credit and debit cards.

---

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