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Diners Club International
Other United States dinersclub.com ↗
Reviewed 2026-11-01
Our verdict · Provisional – 3 of 6 checks done
Be careful
Some important points are unclear or concerning.
- The Reserve Bank of India ordered on 23 April 2021 that Diners Club International Ltd could not onboard new domestic customers from 1 May 2021 for non-compliance with …
What should I do?
- Check the licence yourself in the official register of the country where it operates.
- Start small – never send more than you can afford to lose.
- Keep screenshots of all payments and conversations.
Based on public sources at the date of review. Not a finding that the company acted unlawfully; the company can respond below.
Questions about Diners Club International
Is Diners Club International licensed?
Yes. Public registers list Authorised card network / payment system operator (Payment and Settlement Systems Act, 2007) – Reserve Bank of India. Active registration(s) confirmed in official registers: Reserve Bank of India – Authorised card network / payment system operator (Payment and Settlement Systems Act, 2007).
Has a regulator taken action against Diners Club International?
The Reserve Bank of India ordered on 23 April 2021 that Diners Club International Ltd could not onboard new domestic customers from 1 May 2021 for non-compliance with the circular on storage of payment system data. The RBI lifted the restriction on 9 November 2021 after it found satisfactory compliance.
Who owns Diners Club International?
Ownership chain is publicly documented: Citigroup sold the network to Discover in 2008; Capital One completed its acquisition of Discover on 18 May 2025 and says the Diners Club International network joins its offerings. A privacy notice updated August 2026 lists Diners Club International, Ltd.
Is Diners Club International safe to use?
RatEx42 rates Diners Club International Amber (provisional, 3 of 6 checks done) as of 2026-11-01: some important points are unclear or concerning. The signal is an assessment of public information, not a finding of unlawful conduct and not advice. Always check the licence in the official register yourself.
Answers are generated from this profile (reviewed 2026-11-01). Sources are linked in “The full check” below.
About
Diners Club International Ltd. is a global card payment network founded in 1950 and headquartered in Riverwoods, Illinois. Card issuers in about 45 countries hold licences to issue cards on the network; the North American franchise is held by BMO. Discover Financial Services acquired the network from Citigroup in 2008, and Capital One completed its acquisition of Discover in May 2025. The RBI lists the entity as an authorised card network in India; in April 2021 it restricted the entity from onboarding new domestic customers for non-compliance with payment-data localisation rules and lifted the restriction on 9 November 2021. No other regulator warning was found.
Read more
Diners Club International Ltd. is a global card payment network founded in 1950 and headquartered in Riverwoods, Illinois. Card issuers in about 45 countries hold licences to issue cards on the network; the North American franchise is held by BMO. Discover Financial Services acquired the network from Citigroup in 2008, and Capital One completed its acquisition of Discover in May 2025. The RBI lists the entity as an authorised card network in India; in April 2021 it restricted the entity from onboarding new domestic customers for non-compliance with payment-data localisation rules and lifted the restriction on 9 November 2021. No other regulator warning was found.
The full check
🪪LicenceLicensing & registrationOK
Active registration(s) confirmed in official registers: Reserve Bank of India – Authorised card network / payment system operator (Payment and Settlement Systems Act, 2007).
👥Who owns itOwnership & controlOK
Ownership chain is publicly documented: Citigroup sold the network to Discover in 2008; Capital One completed its acquisition of Discover on 18 May 2025 and says the Diners Club International network joins its offerings. A privacy notice updated August 2026 lists Diners Club International, Ltd. among the Discover companies now part of Capital One. The president is named in the company fact sheet; the North American franchise is held separately by BMO. Bloomberg's LEI listing shows a Riverwoods, Illinois headquarters.
- Capital One press release: Discover, PULSE and Diners Club International networks join Capital One's offerings 2025-05-18
- Discover FY2008 10-K: acquisition of Diners Club International
- Fact sheet naming Riverwoods HQ and president Ricardo Leite 2025-07-01
- Privacy notice lists Diners Club International Ltd. among Discover companies now part of Capital One 2026-08-26
- LEI record for Diners Club International Ltd., Riverwoods, Illinois
🏦Where your money goesBanking & payment chainNot checked yet
Not yet assessed.
⚖️Regulator actionsRegulatory actionsCaution
The Reserve Bank of India ordered on 23 April 2021 that Diners Club International Ltd could not onboard new domestic customers from 1 May 2021 for non-compliance with the circular on storage of payment system data. The RBI lifted the restriction on 9 November 2021 after it found satisfactory compliance. No other regulator warning or sanction was found; registers were not exhaustively checked.
📰News & reputationAdverse media & OSINTNot checked yet
Not yet assessed.
💬Customer experienceCustomer conductNot checked yet
Not yet assessed.
How we rate: methodology.
Similar providers
Licences & registrations
| Regulator / register | Type | Number | Status |
|---|---|---|---|
| Reserve Bank of India | Authorised card network / payment system operator (Payment and Settlement Systems Act, 2007) | Active |
People & network
People (public registers)
- Ricardo Leite · President (per company fact sheet) · source
Version history
- 2026-11-01 Amber signal Automated re-check: licensing: unknown → green – RBI documents (2021 order coverage, March 2024 circular) identify Diners Club International Ltd as an authorised card network/payment system operator in India; no home-country register exists for card networks
- 2026-10-28 Amber signal Automated re-check: enforcement: unknown → amber – RBI order of 2021-04-23 restricted Diners Club International Ltd from onboarding new domestic customers (data localisation non-compliance); lifted 2021-11-09 (RBI press release); previously missed
- 2026-10-23 Insufficient data Automated re-check: ownership: unknown → green – Capital One's press release and the SEC filing document the ownership chain (Citi → Discover 2008 → Capital One May 2025)
- 2026-10-23 Insufficient data Automated profile created from public sources
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