Payment Network Updates

Payment Network Updates

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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 Security Alert: New JavaScript Skimmer ‘Pipka’ Targeting eCommerce Merchants
Visa High-Risk Negative Option Billing Changes Alert (Sept 2019)
Mastercard Negative-option Billing (subscription-based fees) Alert

Dispute Resolution: Important Changes for Merchants

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

PULSE Debit: Changes to the PULSE dispute resolution process go into effect August 27, 2018. What you need to know:

  • Dispute initiation period extended from 90 to 120 days: Consumer/issuer dispute window will be longer. Your operational processes may need to be adjusted accordingly.
  • Authorization code now required on transaction receipt for chargeback reason code A11 “Declined/No Auth”: Make sure your receipts are displaying authorization code by August 27 to support dispute challenges.
  • Pre-Arbitration, Arbitration and Retrievals extended to all dispute reason codes.We expect to see a higher volume of disputes and retrievals due to this expansion and increased time to resolve.

Click here for a detailed summary of all Payment Network changes, important details and answers to frequently asked questions.

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Online POS Terminal uses a PIN pad to process EMV payments from your PC or laptop.

Online Reporting


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.

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