diff --git a/CHANGELOG.md b/CHANGELOG.md
index fa9690f..0060384 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -3,6 +3,7 @@ All notable changes to this project will be documented in this file.
 
 ## [3.1.20]
 - Added `MerchantErrorMessage` and `MerchantErrorCode` fields to `Transaction` in API response, exposing the failure reason and error code for failed/declined payments.
+- Added credit card schemes section on `/getTerminals` for `CreditCard` terminals.
 
 ## [3.1.19]
 - Changed `CardType` values for the `CardInformation` `Type` element to the BIN interchange group classifications: `Consumer Credit`, `Consumer Debit`, `Corporate Credit`, `Corporate Debit`.
diff --git a/src/main/resources/xsd/APIResponse.xsd b/src/main/resources/xsd/APIResponse.xsd
index 7f62a22..d8f332e 100644
--- a/src/main/resources/xsd/APIResponse.xsd
+++ b/src/main/resources/xsd/APIResponse.xsd
@@ -254,7 +254,7 @@
 
     <xs:complexType name="Schemes">
         <xs:sequence>
-            <xs:element name="Scheme" type="xs:string" minOccurs="0" maxOccurs="unbounded"/>
+            <xs:element name="Scheme" type="Scheme" minOccurs="0" maxOccurs="unbounded"/>
             <xs:element name="DualBrandPair" minOccurs="0" maxOccurs="unbounded">
                 <xs:complexType>
                     <xs:attribute name="schemeA" type="xs:string" use="required"/>
@@ -265,6 +265,14 @@
         </xs:sequence>
     </xs:complexType>
 
+    <xs:complexType name="Scheme">
+        <xs:simpleContent>
+            <xs:extension base="xs:string">
+                <xs:attribute name="code" type="xs:string"/>
+            </xs:extension>
+        </xs:simpleContent>
+    </xs:complexType>
+
     <xs:complexType name="FormTemplates">
         <xs:sequence>
             <xs:element name="FormTemplate" type="xs:string" minOccurs="0" maxOccurs="unbounded"/>