Payment Brand Changes

Any items billed to Chase Paymentech by the Payment Brands in US dollars will be converted and billed to merchants in Canadian dollars.

_{Published December 15, 2023}

On November 1, 2023, your Payment Brand fees¹ will increase as set out below. This is a result of the Canadian federal government’s June 22, 2023, amendment of the Excise Tax Act, subjecting certain services provided by payment network operators to the goods and services tax and harmonized sales tax (GST/HST). Interchange rates are not impacted by this change.

Any items billed to Chase Paymentech by the Payment Brands in US dollars will be converted and billed to merchants in Canadian dollars.

_{1. Not all fees will apply to you. Fees are assessed based on the payment networks that you support.}

_{Updated October 13, 2023
Published August 3, 2023}

Visa will be updating their standard authorization framework structure on April 13, 2024 to modernize existing authorization validity¹ and clearing timeframes² as shown in the table below. Note that the maximum time frame of 2 calendar days for intraregional contactless transactions in all European countries will not change.

On June 13, 2024, Visa will be applying a 0.09% extended authorization service fee of the transaction amount to card-not-present cardholder-initiated transactions that clear beyond 10 calendar days. Additional applicable processing integrity fees may apply but are open to dispute by the cardholder.

Table – New Authorization and Clearing Time Frames

_{Note: Fees include the impact of the June 2023 Excise Tax Act amendment in which certain services provided by payment network operators are subject to the goods and services tax and harmonized sales tax (GST/HST).}

<sub>1. This is the maximum amount of time a merchant has to complete the transaction once an authorization request has received an approval response.
2. This is the maximum amount of time an acquiring bank has to process a completed transaction from the transaction date.
3. Time frames begin on the date of a valid authorization.
4. Automated Fuel Dispenser preauthorization requests need a completion or reversal message sent two hours from the receipt of an approval response.</sub>

_{Published March 15, 2024 | P2023.2046}

On April 12, 2024, Visa will charge a new VI Integrity Risk Fee of 0.113% + 0.113 USD for high-integrity risk transactions with the merchant category codes 5967 (Direct Marketing – Inbound Teleservices Merchant) and 7273 (Dating Services).

Visa will perform enhanced due diligence and monitoring activities to mitigate the higher inherent risk that these transactions carry.

_{Note: Fee includes the impact of the June 2023 Excise Tax Act amendment in which certain services provided by payment network operators are subject to the goods and services tax and harmonized sales tax (GST/HST).}

_{Published January 12, 2024 | P2023.1837a}

Effective April 1, 2024, Visa will introduce a Commercial Solutions Fee¹ of 0.0113% for any purchase transaction processed with a Small Business or Commercial Card.

_{Note: Fees include the impact of the June 2023 Excise Tax Act amendment in which certain services provided by payment network operators are subject to the goods and services tax and harmonized sales tax (GST/HST).}

_{1. Fee names may be subject to change.}

_{Published December 28, 2023 | P2023.1773}

On April 1, 2024, Visa will begin charging a Card Verification Value 2 (CVV2) fee of 0.0028 USD for every CVV2 result that receives an M (Match) or N (No Match). Positive matches may result in a higher approval rate, reduced chances of fraud, as well as fewer disputes.

The CVV2 fee will not apply to the following conditions:

• Verification results not received by the bank due to an error
• Returned values that are not M or N
• Successful 3DS verifications
• Zero-amount account verification messages

_{Note: Fees include the impact of the June 2023 Excise Tax Act amendment in which certain services provided by payment network operators are subject to the goods and services tax and harmonized sales tax (GST/HST).}

_{Published December 15, 2023 | P2023.1771}

Update: Visa has changed the effective date to April 25, 2024. The first billing of these fees will be in May 2024.

On January 25, 2024, Visa will begin monitoring their Processing Integrity Program and the fees listed in the table below will be assessed for domestic and international transactions. These fees will apply when transactions are not authorized, reversed, or cleared as required. The first billing of these fees will be in March 2024.

Table – Visa Processing Integrity Fees

Any items billed to Chase Paymentech by the Payment Brands in US dollars will be converted and billed to merchants in Canadian dollars.

_{1. Includes the impact of the June 2023 Excise Tax Act amendment in which certain services provided by payment network operators are subject to the goods and services tax and harmonized sales tax (GST/HST).}

_{Updated December 15, 2023 | P2023.1835
Published October 13, 2023 | P2023.0496}

Effective April 2024, Visa will start charging a Payment Account Number (PAN) Pass Back Program fee of 0.02 USD per event for transit and urban mobility operators. This program will only be available for transit merchants processing token transactions under the following Merchant Category Codes:

• MCC 4111 - Local and Suburban Commuter Passenger Transportation, including ferries
• MCC 4112 - Passenger Railways
• MCC 4131 - Bus Lines

You can implement a payment account reference (PAR) in your system before April 2024 to avoid this fee. The PAR provides the ability to link payment activity to a payment account.

Visa will stop sending PANs in transaction responses beginning April 2026. 

_{Published April 14, 2023 | P2022.1087}

On October 13, 2023, Visa will introduce an account listing service for issuers called Visa Account Screen, which will block authorizations and deposits for a cardholder’s lost, stolen, or closed account. With this new feature, Visa will assess a 5 USD deposit fee for each returned or rejected transaction when either of the following scenarios occur.

• An unauthorized force-post transaction was received that was above the floor limit or the floor limit could not be determined, and the account was listed on the Account Screen Clearing File (ASCF) or Card Recovery Bulletin (CRB)
• The account number was listed in the ASCF or CRB on the purchase date and the amount was below the floor limit without authorization

To avoid this fee, please make sure you:

• Request an authorization or deferred authorization when required,
• Submit the authorization code, authorization source code and transaction identifier assigned during a deposit’s authorization,
• Do not submit deposits for transactions that have been declined, and
• Use zero-amount account verification messages to check the status of the account.

_{Published July 14, 2023 | P2023.0527}

On October 15, 2023, Visa will update their interregional interchange program with the new fee programs, names and rates listed in the below tables. The following fees for consumer transactions will be discontinued:

• Electronic
• Acquirer Chip
• Issuer Chip
• Electronic Commerce Merchant
• Secure Electronic Commerce

Table 1 – Visa Interregional Base Fee (Card-Present) Programs

Table 2 – Visa New Interregional Alternative Fee (Card-Not-Present) Programs for Visa Consumer and Visa Commercial, Including Business, Products

Table 3 – Visa New Interregional Downgrade Fee Programs for Visa Consumer and Visa Commercial, Including Business, Transactions

Table 4 – Visa New Credit Voucher or Merchandise Return Interregional Fee Programs

Table 5 – Visa Updated Interregional Standard Fee Program¹

_{1. Visa and non-Visa interregional transactions that do not qualify for any other fee program.}

_{Published July 14, 2023 | P2023.0555}

Effective October 15, 2022, Visa will require all point-of-sale (POS) and unattended cardholder-activated terminal (UCAT) acceptance devices to be chip-reading. A system integrity fee will apply to non-compliant POS and UCAT devices on a per-transaction basis as shown in the table below.

No action is required at this time for non-integrated, stand-alone POS devices that we provided.

For customized/integrated POS devices, please contact your service provider(s) to ensure equipment software and hardware will be ready to support chip acceptance by October 15.

For UCAT equipment not provided by us, please contact your service provider(s) to meet the chip compliance due date above.

_{Published September 13, 2022}

Update: The Visa Digital Credential Updater Fee will be billed on a quarterly basis until the end of Q3 2024. After this period, you will be billed monthly.

Starting August 1, 2023, Visa will charge a Visa Digital Credential Updater Fee (VDCU Cred Update Fee) of 0.09 USD for all VDCU activities. This fee will be billed when a token is used in a transaction for the first time following an update to that token’s PAN or expiration date.

The VDCU provides access to token lifecycle management events including credential on file updates and token status change notifications, such as deleted, suspended, and resumed token updates. These lifecycle updates can help you ensure cardholders’ payment credentials are up to date, which is essential for maintaining payment continuity and improving authorization rates.

_{Updated December 15, 2023
Updated September 15, 2023 | P2023.1486
Updated May 15, 2023 | P2023.0269
Published March 15, 2023 | P2022.0865a}

On April 15, 2023, Visa will launch their Flexible Credential credit card in the United Kingdom. This card supports buy now, pay later (BNPL) transactions in card-present and card-not-present environments. The existing Visa Interregional Premium Card – CA Fee of 1.80% will apply when this card is processed.

_{Published February 15, 2023}

Starting April 17, 2023, Visa will charge a .02% fee for every Estimated Authorization and Incremental Authorization request (see below).

• Estimated Authorization Request: allows you to obtain an approval before a cardholder has identified what goods or services will be purchased
• Incremental Authorization Request: allows you to increase the total authorized funds if the initial estimated amount is insufficient

_{Published January 13, 2023}

On April 1, 2023, Visa will charge a fee for their Account Verification Service shown in the table below. This service, also known as zero-dollar status check, allows you to check the validity of a card account before submitting authorization requests or storing an account on file. Account Verification requests may also include verification of a cardholder’s address (Address Verification Service¹) and CVV2 (Card Verification Value).

Table – Visa Account Verification Fees

^{1. Existing Address Verification Fee will not be charged when conducted with an Account Verification transaction.}

_{Published December 12, 2022}

Update: Effective June 15, 2023, Visa will expand their Visa Flexible Credential products to support debit transactions. The rate will remain the same.

On January 20, 2023, Visa introduced the new Visa Flexible Credential prepaid card, which supports buy now, pay later purchases in virtual and physical environments. These cards were issued in the Asia Pacific, Central Europe, Middle East and Africa regions. If you process one of these cards, the existing interregional interchange rate will apply as shown in the table below.

Table – Interregional Rate for Visa Flexible Credential Purchases

_{Updated March 15, 2023
Updated October 14, 2022}

Update: Mastercard has changed the effective date of the M/Chip Deployment Performance Program fee to November 30, 2024. The assessment date mentioned below will no longer apply.

On October 13, 2023, Mastercard will implement an M/Chip Deployment Performance Program fee to devices and POS terminals that experience an implementation issue and cause a technology failure in a recurring 30-day period.

Chase will assess this fee starting November 13, 2023. To avoid it, please make sure that your terminal’s Payment System Public Keys (PSPK) in the Combined Dynamic Data Authentication (CDA) are updated and/or your software kernel has a V3.x reader.

If your POS is supported by a third-party integrator, please contact your service provider to ensure you have the latest upgrades and specifications that comply with Mastercard’s requirements to help you avoid these fees.

This does not apply if you have a stand-alone POS device that is supported by Chase.

Table  – Updated Mastercard M/Chip Deployment Performance Program Fee

_{1. Includes the impact of the June 2023 Excise Tax Act amendment in which certain services provided by payment network operators are subject to the goods and services tax and harmonized sales tax (GST/HST).}

_{Updated December 15, 2023 | P2023.1137u2
Published August 15, 2023 | P2023.1137}

Effective July 2, 2024, Mastercard will include the commercial credit interchange rates and product codes listed in Table 1 to their Enterprise Solution Wholesale Travel Program. The interchange rates listed in Table 2 remain unchanged.

Table 1 – New Wholesale Travel Program interchange rates for commercial credit transactions

Table 2 –Existing commercial interchange rate for credit transactions

_{Published March 15, 2024 | P2024.0001, P2023.0090c}

Update: On April 1, 2024, Mastercard will begin charging the fee in the table below when there are 35 declined attempts within a 30-day period on the same account number, at the same card acceptor, and for the same amount. This new requirement is in addition to the existing Excessive Authorization Attempts TPE threshold of 10 declined attempts per 24-hour period. The first affected billing will be in May 2024.

On November 1, 2022, Mastercard will reduce the threshold of declined attempts for the Excessive Authorization Attempts TPE program from 20 to 10. Anything over the new threshold will be charged as shown in the table below.

Table – Mastercard Excessive Authorization Attempts Rate

_{Updated November 15, 2023 | P2023.1742
Published July 13, 2022 | P2022.0491}

On January 1, 2024, Mastercard will revise the Transaction Processing Excellence (TPE) program pricing. You will see these changes reflected on your March 2024 billing statement.

Table – Mastercard TPE Program Pricing

_{1. New pricing also reflects increases that resulted from the Excise Tax Act amendment.}

_{Published September 15, 2023 | P2023.0840}

On October 13, 2023, Mastercard will expand their Enterprise Solution Wholesale Travel Program with the commercial credit interchange rates listed in Table 1. The existing interchange rates in this program (see Table 2) remain unchanged.

All merchant category codes (MCCs) with business-to-business transactions will qualify for this program.

Table 1 – Mastercard New Commercial Interchange Rate for Credit Transactions

Table 2 – Mastercard Existing Commercial Interchange Rate for Credit Transactions

_{Published July 14, 2023 | P2023.0090c}

On October 9, 2023, Mastercard will begin assessing a new Authorization Optimizer Service Fee (Auth Optimizer Power by AI Fee) of 0.02 USD. For this service, Mastercard is leveraging their network visibility and artificial intelligence to provide you with insights on how and when to resubmit authorization requests for a successful approval. 

 This fee will be charged when a card-not-present (CNP) transaction is declined and meets all of the following conditions: 

• Transaction is recurring 

• Mastercard decline reason code is equal to 51 (Insufficient Funds) 

• Mastercard-provided payment advice code is equal to 24 to 30, as shown in the below table 

Table – Mastercard Existing Payment Advice Codes 

_{Published June 14, 2023 | P2022.1534a}

Update: On September 12, 2023, Mastercard’s DRCS Fee will start applying to all card-not-present transactions including, but not limited to, account verification transactions and refund authorizations. This fee will not apply to mail order/telephone order (MOTO) transactions. All other conditions mentioned below remain the same. 

On April 22, 2022, Mastercard introduced the Decline Reason Code Service (DRCS) fee, which is charged when Mastercard sends a Merchant Advice Code (MAC) when the card issuing bank did not provide one. 

Table 1 – DRCS Fee 

The fee will be charged when all of the following conditions are met: 

• Transaction is card-not-present¹ (excluding MOTO transactions) 
• Mastercard decline reason² is equal to one of the following: 
  • 79 (Lifecycle) 
  • 82 (Policy) 
  • 83 (Security) 
• MAC provided is equal to one of the following: 
  • 01 (Updated/additional information needed) 
  • 03 (Do not try again) 

As a best practice, you can take the suggested actions below when you receive the MACs shown in Table 2. 

Table 2 – DRCS Suggested Merchant Actions 

_{1. Including, but not limited to, account verification transactions and refund authorizations 
2. These are categories of a new subset of sensitive decline reasons that Mastercard will map on behalf of the issuer.} 

_{Updated June 14, 2023 | P2021.1165
Published January 20, 2022}

On May 7, 2023, Mastercard is modifying their intracountry consumer credit contactless interchange rates (see table below). These rates apply to transactions that are processed in the Canada region and initiated with a card issued in the Canada region.

Table – Mastercard Intracountry Consumer Interchange Rates for Credit Contactless Transactions

_{Published January 13, 2023}

Beginning May 21, 2023, the existing OptBlue Card-Not-Present Fee of 0.30% will apply to any non-swiped (card/device-not-present) transaction that does not contain the full magnetic stripe or chip card data. For example, this fee will apply to a manually keyed transaction.

For merchants in the utilities category, this fee will not apply to credit card and foreign-issued debit card transactions.

_{Published February 15, 2023}

On April 14, 2023, American Express OptBlue will revise their international fees (see table below) for:

• All transactions using American Express debit and credit cards issued outside of Canada, and
• All industries, except Utility

Table – American Express OptBlue International Fees

_{Published January 13, 2023}

On April 1, 2024, Interac will reduce their debit switch fee as shown in the table below.

Table – Interac Updated Switch Fee

_{Published November 15, 2023 | P2023.1807}

Update: On November 1, 2023, Interac will include MCC 4784 (Toll Roads/Bridges) in Tier 1 of their pricing structure. Rates and other qualifications remain the same.

Effective November 1, 2022, Interac changed their interchange pricing structure for Interac Flash transactions with the following conditions:

• Interac introduced a new pricing tier (Tier 4) for Debit Contactless transactions between $100.01 to $250.00
• The interchange flat-fee of $0.055 for Tier 4 will apply to all transactions between $100.01 to $250.00, regardless of the tier pricing for which the merchant has qualified for
• Criteria for merchant qualification under pricing tiers 1, 2 and 3 will remain unchanged for transactions between $0.01 to $100.00
• Flat-fees for transactions between $0.01 to $100.00 will remain unchanged

Interac Flash interchange fees will apply based on the tier pricing that you have qualified for as determined by:

• 2022 calendar year Interac Flash interchange transaction volumes, or
• Your qualification for Merchant Category Codes (MCC) segments

The current and new flat-rate interchange fees are outlined in the tables below. In addition, the tables also contain the criteria for merchant qualification for each fee tier.

Table 1 – Interac Flash Interchange Pricing for Tier 1 Low-Ticket Merchants¹

Table 2 – Interac Flash Interchange Pricing for Tier 2 High-Volume Merchants²

Table 3 – Interac Flash Interchange Pricing for Tier 3 All Other Merchants³

_{1. Criteria for Merchant Qualification: MCC Merchants in segments with an average Interac Debit Contactless transaction size of $20 and below. Qualifying segments are Fast Food Restaurants (MCC 5814), Variety Stores (MCC 5331), Movie Theatres (MCC 7832), Convenience Stores (MCC 5499), Bakeries (MCC 5462), Dairy Product Stores (MCC 5451), Limousines and Taxicabs (MCC 4121), News Dealers and Newsstands (MCC 5994), Charitable and Social Services Organizations (MCC 8398), and Transportation – Suburban and Local Commuter Passenger (MCC 4111), Toll Roads/Bridges (MCC 4784)}

_{2. Criteria for Merchant Qualification: Merchants that meet the minimum annual transaction volume threshold of 20 million Interac Debit Contactless transactions, based on transaction volume in the previous calendar year}

_{3. Criteria for Merchant Qualification: Merchants that do not otherwise qualify for Tier 1 and Tier 2}

_{Updated July 14, 2023 | P2023.0869
Published July 13, 2022 | P2022.0093}

Starting April 1, 2023, Interac will increase their debit switch fee as outlined in the table below.

Table – Interac Switch Fee

_{Published December 12, 2022}

New spend qualified indicator (SQI) values have been added by Visa seen in the table below. These SQI values will identify the spend tier in support of the spend qualification processing for small business product cards issued in the United States (U.S.) and Puerto Rico.

As a result, you may notice a new SQI value in your transactions but there will be no change in rates.

Table – Visa New SQI Values for Small Business Products Cards

_{Published April 15, 2024 | P2023.1852}

CVV2s should not be used for tokenized transactions. Visa will perform a validation with the designated CVV2 parameters if it is used. This validation my only be performed b configured card issuers and not by Visa. Unsuccessful validations may result in a Not Process (P) authorization decline response.

This process is for a transitional period only and may be discontinued at any time.

_{Published April 15, 2024 | P2023.2278}

On September 25, 2024, Visa will discontinue support for EMV 3DS 2.1.0 and you will not be able to authenticate these transactions through Visa Secure.

Please contact your service provider to ensure you are using EMV 3DS 2.2.0.

_{Published June 14, 2023 | P2022.1505}

Effective August 12, 2024, Visa will require e-commerce merchants to provide the data fields in Table 1 in EMV 3DS authentication request messages. If local data privacy regulations prohibit the data from being shared, these minimum data requirements do not apply.

Visa also continues to recommend e-commerce merchants provide all 12 of the data fields in Table 2 in 3DS authentication request messages.

Table 1 – Visa EMV 3DS Minimum Data Requirements

Table 2 – Visa EMV 3DS Recommended Data Requirements

_{Published February 15, 2024 | P2024.0008, P2023.1628}

Effective July 1, 2024, only Payment Card Industry Data Security Standard (PCI DSS) v4 validation documents will be accepted by the Visa Network. To ensure validation documents are accepted by Visa, you are encouraged to begin using the PCI DSS v4 as early as April 1, 2024 when the current version 3.2.1 is retired.

Please visit the PCI Council website for more information.

_{Published September 15, 2023 | P2023.1230}

Update: Visa has indefinitely deferred the recent rule change impacting merchant-initiated transactions (MITs) described below. Subscribe to this page so that you are notified of the future effective date when it’s announced.

Starting March 1, 2024, Visa will no longer honor the following tokenized standing instruction merchant-initiated transactions (MIT) that are sent with a newly generated device token, and these transactions will receive the decline reason code 530 (Do Not Honor):

• Installment Payments
• Recurring Payments
• Unscheduled Stored Credential

Visa will continue accepting standing instruction MITs from your existing cardholders with device tokens that were generated prior to March 1, 2024.

To avoid any payment disruptions, please work with your token service providers to replace the device tokens with card-on-file tokens for standing instruction MITs. You may also contact your J.P. Morgan representative to find the right token solution for you.

_{Updated December 15, 2023 | P2023.2173
Published August 15, 2023 | P2021.1134a}

In 2024, Visa will no longer support the Cardholder Verification Method (CVM) offline plaintext PIN in unattended cardholder activated terminals (UCAT). The following updates to Visa Rules will apply to all countries except Japan.

_{Published December 15, 2023 | P2023.1491}

Beginning November 1, 2023, Visa will no longer accept interim or static transaction IDs. Please submit a valid transaction ID with every merchant-initiated transaction including recurring, unscheduled and installment transactions to avoid declines.

Please visit our Developer Center for the complete specifications required to submit valid transaction IDs.

_{Published August 15, 2023 | P2023.1028}

Effective October 14, 2023, Visa will make the following changes to their dispute rules.

I. Pre-Arbitration Processing Requirements for Dispute Conditions 10.1, 10.2, 10.3, and 10.4  

For transactions billed after a cardholder’s departure in a hotel stay, trip, or car rental return, you may submit the following:

• Evidence that the transaction is connected to a previous stay, travel, or rental period (e.g., a parking violation that occurred during the car rental)

• Evidence that an imprint was obtained during the same stay, travel, or rental period (e.g., any approved authorization containing an electronic imprint)

II. Dispute Condition 10.4: Other Fraud—Card-Absent Environment

A complete description of the merchandise or services purchased for both the disputed transactions and the two previous undisputed transactions should be provided.

III. Minimum Dispute Amounts

There will no longer be a minimum dispute amount for automated fuel dispenser transactions for Dispute Condition 10.3, Other Fraud – Card Present Environment.

_{Published June 14, 2023 | P2023.0530}

On October 1, 2023, Visa will introduce the Visa Digital Goods Merchant Fraud Monitoring Program to help lessen digital goods and small ticket fraud. The program will use data from fraud and sales transactions from the previous month. For example, October 2023 results will be based on September 2023 data. You can familiarize yourself with the program during Visa’s advisory period, which will run from April 1, 2023 to August 31, 2023.

Visa has provided the following guidance for this program.

Threshold Criteria: The program will monitor transactions that do not exceed the following thresholds.

• 25,000 USD fraud amount
• 300 fraud count
• 0.9% fraud-dollar to sales-dollar ratio

Merchant Category Codes: The program will monitor transactions with the following merchant category codes (MCCs).

• 5735 – Record Stores
• 5815 – Digital Goods Media – Books, Movies, Digital artwork/images, Music
• 5816 – Digital Goods – Games
• 5817 – Digital Goods – Applications (excludes Games)
• 5818 – Digital Goods – Large Digital Goods Merchant

_{Published April 14, 2023 | P2023.0131}

On April 15, 2023, Visa will reclassify e-commerce cardholder-initiated transactions that use a credential-on-file token from a device-based token; these transactions will be assigned an electronic commerce indicator (ECI) of 05. This reclassification will help prevent fraud by fully authenticating transactions.

Transactions will be reclassified as ECI 05 when:

• The Token Authentication Verification Value (TAVV) is included in the authorization request,
• The token type is 01 (credential-on-file),
• The specified risk data is included in the cryptogram request, and
• All fraud performance requirements are met

_{Published March 15, 2023}

Update: Visa is updating their dispute rules below (see I and IV).

Visa will update their dispute rules and language to improve the effectiveness and efficiency of the dispute process. The updates outlined below are effective for the pre-arbitration attempts processed in the following dispute-related areas on or after April 15, 2023:

I. Dispute Remedy for Dispute Condition 10.4: Other Fraud – Card-Not-Present Environment

You may remedy this dispute by providing all of the following as evidence:

• The same payment credential was used in two previous transactions that the issuer did not report as fraudulent activity to Visa and these transactions were processed 120–365 calendar days¹ before the dispute processing date.
• The device ID, device fingerprint or IP address and one or more of the following (in both of the undisputed transactions) are the same as the disputed transaction as applicable:²
  • Customer account/login ID
  • Delivery address
  • Device ID/device fingerprint
  • IP address

Any combination of the credentials listed above can be provided if at least one of the two credentials is the device ID, device fingerprint or IP address. For example, the undisputed and disputed transactions have the same device ID and delivery address, the same IP address and login ID, or the same device fingerprint and IP address. If proper evidence is provided, the card issuer will not be allowed to continue the dispute.

Visa will no longer require evidence that merchandise or services were provided to support the compelling evidence in pre-arbitration.

II. Compelling Evidence Rules: Evidence of a Link to the Cardholder

You will be required to submit photographic or email evidence if you are attempting to prove a link between the cardholder and the person receiving the merchandise or services, or to prove that the cardholder disputing the transaction is in possession of the merchandise and/or is using the merchandise or services.

Examples of photographic evidence may include:

• Photos from the cardholder’s social media showing the cardholder using the merchandise or services
• Snapshots of security footage taken at your location showing the cardholder taking possession of the merchandise
• Photos taken during delivery of goods showing the cardholder receiving the merchandise

Examples of email evidence may include:

• Email correspondence from the cardholder indicating the merchandise was received
• Email from cardholder asking how to put items together, make it work, etc.

III. Compelling Evidence Rules: Evidence of Prior Undisputed Transactions

Under Dispute Condition 10.4: Fraud – Card-Not-Present Environment, you may supply evidence that three or more of the following elements had been used in a previous undisputed transaction:

• Customer account/login ID
• Delivery address
• Device ID/device fingerprint
• Email address
• IP address
• Telephone number

IV. Use of Compelling Evidence for Airline-Related Transactions

Currently, under Dispute Condition 10.4: Other Fraud—Card-Absent Environment, acquirers (for all regions except Europe) may remedy a dispute by providing evidence that the cardholder’s name was included in the manifest for the departed flight, and that this name matches the cardholder’s name on the purchased itinerary. This remedy will apply to all regions for pre-arbitration attempts processed on or after 15 April 2023. The current language related to compelling evidence for Europe pre-arbitration attempts will be removed.

Please visit the Visa Compelling Evidence FAQs for more information.

<sub>1. This does not apply if the other undisputed transactions were original credit transactions.
2. The same date elements must match across both undisputed transaction and the disputed transaction.</sub>

_{Updated January 13, 2023
Published September 13, 2022}

Mastercard is revising their standards to clarify that they may, directly or through their partners, use your business’ logos and public information on their digital apps and websites, including:

• physical business location
• contact information
• sales policies

Visit Mastercard’s Logo Microsite to update your business’ logo, address, contact information, sales policies and to learn more about how these revisions may affect your business.

An added provision also states that when you have believe that any use of your business logo is inconsistent with your standards, you may contact Mastercard through us, or at their logo microsite and they will modify their usage of your logo to conform to those standards. You may also request the withdrawal of your business logo.

_{Published March 15, 2024 | P2024.0013}

Starting April 12, 2024, Mastercard’s refund transaction authorization will be valid for 5 calendar days from the approval date, while the refund transaction must be submitted for clearing within 5 calendar days of the refund transaction date.

_{Published March 15, 2024 | P2023.1830}

Starting April 1, 2024, card issuers are no longer required to issue Mastercard credit cards with magnetic stripes. Please work with your POS terminal providers to ensure you can accept chip-only cards.

_{Published March 15, 2024 | P2021.0951}

Mastercard will implement the changes below to their chargeback rules starting April 12, 2024.

• The following late-presentment chargebacks are moving from the point-of-interaction error category to the authorization-related chargeback category:
  • Payment transaction clearing submission timeframes
  • Contactless transit aggregated transactions
  • Refund transactions
• The offline chip-approved transaction clearing timeframe will be added to the authorization-related chargeback category
• The late-presentment chargeback will be removed from the point-of-interaction error category
• Removal of the 21-calendar day exception in order to accumulate purchase transaction records completed with manually recorded card data

_{Published February 15, 2024 | P2023.2265}

On November 7, 2023, Mastercard will introduce the following merchant advice codes (MACs) in authorization responses for specific card products:

• MAC 40 – for consumer non-reloadable prepaid card
• MAC 41 – for consumer single-use virtual card number

If you accept these card products as payment for card-not-present (CNP) transactions, especially for subscription services, please inform your customers to add an alternate payment source to ensure uninterrupted service and avoid the risk of insufficient funds or expired cards. This will help improve your CNP approval rates for recurring charges.

_{Published October 13, 2023 | P2023.0667}

On August 1, 2023, Mastercard will begin monitoring the CVC 2 and EMV 3DS values in online gambling transactions that use the Merchant Category Code 7995 (Gambling Transactions). Please ensure that you’re providing one of these required values to avoid potential fees.

_{Published June 14, 2023 | P2022.1115}

Mastercard is monitoring all transactions with Merchant Category Codes 6540 (Funding Transactions) and 4829 (Money Transfer). 

If you are processing Account Funding Transactions (AFTs), please provide the following:

• Recipient First Name
• Recipient Last name

If you are processing online purchase transactions or reloading gift/prepaid card transactions, please provide the following:

• Recipient First Name
• Recipient Last name
• Indication if the recipient is the cardholder or not

Please visit our Developer Center for the complete specifications required on these data integrity monitoring updates.

_{Published July 14, 2023 | P2022.0739}

On July 30, 2023, Mastercard will begin monitoring the existing data fields listed in the table below during transaction submissions. You must complete these fields to remain compliant with the Mastercard transaction processing rules.

Please visit our Developer Center for the complete specifications required for these fields.

Table – Required Data Fields 

_{Published June 14, 2023 | P2022.1030}

Effective April 12, 2024, merchants whose fraud performance level meets or exceeds the Low or High Tier Program threshold set in the table below will be placed in the Fraud Full Recourse (FFR) Program.

Merchants will be moved from the Low Tier to the High Tier program if they meet or exceed the High Tier thresholds. Those in the High Tier program will stay until they are removed. In order to be removed from the FFR program, and have fraud liability reinstated, the fraud performance levels must fall below either of the following thresholds:

• A fraud-related dispute to gross charges ratio below 0.9% per month for three consecutive months, or
• Fraud-related dispute amount below 25,000 USD per month for three consecutive months

Table – American Express Low Tier and High Tier Program Threshold

_{1. Fraud to Gross (FTG) means the ratio of fraudulent transactions as compared to total charge volume in a single month, provided that both volume amounts are in the same currency.}

_{Published March 15, 2024 | P2023.1937}

American Express OptBlue^® made changes to the supporting documents and requirements needed for a chargeback reversal request on the types of chargebacks in the below table.

Table – Cardholder Dispute Chargebacks

_{Published February 15, 2024 | P2023.1935}

Effective January 26, 2024, you can no longer apply a surcharge to Interac in-app and in-browser e-commerce transactions. Additionally, Interac will implement the following surcharge requirements for Interac Debit and Flash POS transactions:

• The surcharge amount for the use of Interac Debit can never exceed $0.25 per transaction
• If debit services for more than one payment network are offered at a POS device, a surcharge for Interac Debit may only be applied when another payment network also applies. Also, it should not exceed another networks’ surcharge amount

_{Published August 15, 2023 | P2023.0336}

Update: Discover is clarifying their UnionPay card acceptance language below and these changes take effect on October 13, 2023. 

The Discover network equally supports UnionPay credit cards and you must accept UnionPay cards on the Discover Global Network in the United States, Canada, Mexico, and the Caribbean¹. However, you may not offer UnionPay card acceptance in other jurisdictions on the Discover Global Network without obtaining Discover’s prior written approval. 

Please visit our Payment Portal to obtain designated UnionPay credit card BINs. 

_{1. Anguilla, Antigua & Barbuda, Aruba, Bahamas, Barbados, Bermuda, Bonaire, Sint Eustatius & Saba, British Virgin Islands, Cayman Islands, Curacao, Dominica, Dominican Republic, Grenada, Guadeloupe, Jamaica, Martinique, Montserrat, Saint Barthelemy, Saint Kitts & Nevis, Saint Lucia, Saint Vincent & The Grenadines, Saint-Martin (French), Sint Maarten (Dutch), Trinidad & Tobago, Turks & Caicos Islands}

_{Updated July 14, 2023 | P2023.0621
Published September 13, 2022 | P2022.0556}

American Express will be retiring the SafeKey 2.1 version and will no longer accept:

• SafeKey 2.1 certification requests by August 1, 2023; and,

• Transactions using SafeKey 2.1 after September 2024.

Please contact your 3DS service provider to ensure you are using SafeKey version 2.2 or higher by September 2024.

_{Published June 14, 2023 | P2023.0896}