Visa’s existing interim PAN Pass Back Program will only be available until end of March 2026. This Program is for transit operators that require PAN to be returned to them during a token transaction. After March 2026, you are expected to implement changes to receive Payment Account Reference (PAR) instead of PAN. Visa will stop sending the PAN in transaction responses beginning April 2026.
The program will only be available for transit operators under the following Merchant Category Code:
- MCC 4111 - Local and Suburban Commuter Passenger Transportation, Including Ferries
- MCC 4112 - Passenger Railways
- MCC 4131 - Bus Lines
The following Program Fees will be assessed starting from April 2024:
Fee Name |
Effective Date |
Rate |
Visa PAN Pass Back Program Fee |
April 2024 – March 2025 |
0.02 USD |
April 2025 – March 2026 |
0.04 USD |
Published 17 May 2023 | P2022.1087