This site is your primary resource for information and updates on upcoming Payment Network changes and enhancements. Our goal is to provide you advance notice of planned changes so that you can prepare for events that may affect your business.
Please review this information thoroughly as some of the changes may require you to take action.
We encourage you to bookmark the site and check it regularly as it is our primary channel for communicating important updates. You should also share this URL with others in your organization, as appropriate.
Alerts & Notices
Mastercard Excessive Chargeback Program Guide
Mastercard Excessive Fraud Program Guide
Authorization Approval Code for Purchase Return Transactions
Visa High-Risk Negative Option Billing Changes Alert (Sept 2019)
Mastercard Negative-option Billing (subscription-based fees) Alert
Recent Changes Affecting Merchants
Visa Claims Resolution (VCR)
Visa Claims Resolution (VCR) is Visa’s new dispute (chargeback) program. Every merchant, acquirer, and issuer worldwide that has Visa transactions and Visa disputes are now subject to VCR rules since April 13, 2018.
For details and answers to frequently asked questions, visit merchantservices.jpmorganchase.com/visaclaimsresolution.html
PULSE Debit: Changes to the PULSE dispute resolution process go into effect August 27, 2018. What you need to know:
Click here for a detailed summary of all Payment Network changes, important details and answers to frequently asked questions.
Helpful Links and Tools:
Securely manage online, telephone, or mail order payments with Orbital® Virtual Terminal. That includes card authorizations, settlements or refunds.
Online POS Terminal uses a PIN pad to process EMV payments from your PC or laptop.
Paymentech Online allows multi-channel and large e-commerce merchants to manage their account online.
Resource Online allows small businesses and larger retail and card-present merchants to manage their account online.
This self service portal makes it quick and easy to integrate your applications with J.P. Morgan APIs and SDKs. Start your build and test it in the Developer Center.
Businesses are required to complete an application and agree to terms and conditions at the time of enrollment. All businesses are subject to credit approval. Merchant services are provided by Paymentech, LLC ("J.P. Morgan"), a subsidiary of JPMorgan Chase Bank, N.A.