Why am I still impacted if I am not accepting the mentioned brands?

If you are using the URL redirect (eCom) and accepting brands which could be potentially impacted by the regulation or potentially co-badged with another brand impacted by the regulation, we need to be sure payer will be able to make a choice of brand and then we need to present a selection page. The way to avoid the selection page is to always send the brand under which the transaction must be processed.