Payment Brand Changes

Reminder: Eligibility for the Small Merchant Interchange program is determined by Visa based on the criteria mentioned below.

Starting April 11, 2025, new rates will apply to Visa’s Small Merchant Interchange Program. Please note that businesses with an annual processing volume not exceeding $300,000 will qualify for the program. If your business qualifies, this change will be reflected on your April 2025 statement.

Transactions that include a stated credit card surcharge are not eligible for this program.

Table 1 – Visa new Small Merchant Electronic Fee program¹ rates

Table 2 – Visa new Small Merchant Card Not Present – Token Fee program rates

Table 3 – Visa new Small Merchant Card Not Present – Non-Token Fee program rates

_{1. Transactions under the following MCCs will also be eligible for the Small Merchant Electronic Fee Program: Industry – Gas, Industry – Grocery and Food Retail, Everyday Needs – Restaurant, Everyday Needs – Other.}

_{Updated May 15, 2025 | P2023.2234
Updated March 14, 2025 | P2023.2234
Updated October 15, 2024 | P2023.2234
Published July 15, 2024 | P2023.2234; P2024.0668}

Effective April 12, 2025, Visa will modify select prepaid and credit domestic interchange rate programs products as shown in the tables below.

Table 1 – Modified Visa Consumer Prepaid Interchange Rate Program for Visa Classic Prepaid, Visa Gold Prepaid and Visa Platinum Prepaid Products

Table 2 – Modified Visa Commercial Prepaid Interchange Rate Program for Visa Business Prepaid, Visa Corporate T&E Prepaid, Visa Purchasing Prepaid and Visa Commercial Choice Travel Prepaid Products

Table 3 – Modified Visa Business Credit Interchange Rate Program

Table 4 – Modified Visa Infinite Business Credit Interchange Rate Program

Table 5 – Visa Infinite Business Credit Interchange Program New Rate

_{Published January 10, 2025 | P2024.1336, P2024.1992, P2024.1387}

Effective April 12, 2025, Visa’s Reporting and Data Transfer fee of $0.0004 will be assessed for each sale transaction in an effort to promote transparency around the cost of service. This is in line with Visa’s continuing assessment of reporting, infrastructure and data transfer fees, based on merchant processing activity, and is the first time we are passing this fee to clients.

_{Note: 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 10, 2025 | PBI24.0009}

Effective April 1, 2025, Visa’s Original Credit Transactions (OCT) fee will be updated, as shown below, and the MAX value will be removed. All transactions will be charged the same fee.

Table – Visa Original Credit Transaction Fee 

_{1. Any items billed to Chase Paymentech by the payment brands in U.S. dollars will be converted and billed to clients in Canadian dollars.}

_{Published December 13, 2024 | P2022.1140}

Visa will modify the rates for their debit fee programs on January 1, 2025. You will see a decrease in the below interchange fees:

• Electronic
• Performance Program – Card-Present Electronic Program
• Industry Program – Gas
• Industry Program – Grocery

Table – Visa Decreased Debit Fees

_{Published November 15, 2024 | P2024.1341}

On October 18, 2024, Visa will introduce additional interchange rates for Visa Commercial Omni1 and Visa Commercial Choice Travel2 programs.

Table 1 – Visa Commercial Choice Travel Program New Interchange Rates

Table 2 – Visa Commercial Omni Program New Interchange Rates

<sub>1. Formerly known as Visa B2B Payments Program
2. Formerly known as Visa Flexible Rate B2B Virtual Program</sub>

_{Published July 15, 2024 | P2024.0632}

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 September 15, 2025, Mastercard will introduce their MC Acquirer Clearing fee that applies to all clearing transactions including purchases, refunds, first chargebacks, re-presentments, and arbitration chargebacks.

Table – Mastercard Acquirer Clearing Fee

The fee does not apply to transactions that qualify for the Global Wholesale Travel Transaction program.

<sub>Notes:
- Any items billed in U.S. dollars to JPMorganChase by the payment brands will be converted and billed to clients in Canadian dollars.
- Includes the impact of the June 2023 Excise Tax Act amendment in which certain services provided by payment networks are subject to the goods and services tax and harmonized sales tax (GST/HST).
- You have the right to terminate your agreement without an Early Termination Fee by November 24, 2025.</sub>

_{Published July 15, 2025 | P2024.2551b}

Effective July 1, 2025, Mastercard will update their assessment fee, with the first billing in October 2025.

Table – Revised Mastercard assessment fee

_{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).}

_{You have the right to terminate your agreement without an Early Termination Fee by September 9, 2025.}

_{Published May 15, 2025 | P2024.2551}

Reminder: Eligibility for the Small Business Interchange program is determined by Mastercard based on the criteria mentioned below.

Starting May 1, 2025, new rates may apply to Mastercard’s Small Business Interchange program, and you’ll see this change in your May 2025 statement. Businesses with an annual processing volume not exceeding $175,000 will qualify for the program. This change is a result of Mastercard’s yearly program eligibility review.

Table – Mastercard Small Business program rates

_{Updated May 15, 2025 | P2024.0061
Updated March 14, 2025 | P2024.0061
Published July 15, 2024 | P2024.0061}

Effective July 1, 2025, Mastercard will update their Wholesale Travel Program fee.

Table – Updated Mastercard Wholesale Travel Program fee

_{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).
You have the right to terminate your agreement without an Early Termination Fee by September 9, 2025.}

_{Published April 15, 2025 | P2024.2571} 

On April 12, 2025, Mastercard’s Flex Program, together with new product codes and interchange rates will be put into effect. This is a global commercial credit program that will help businesses expedite business-to-business (B2B) payments with convenience and security through Virtual Card Number (VCN) technology. The program rate is 0.113% per settled transaction and is effective starting April 14, 2025. Interchange rates will also apply under this new program, shown in Table 4. 

To qualify for this program, transactions must meet the following criteria:

• Transaction should originate from one of the listed product codes in Table 1
• The merchant must be in one of the supported countries in Table 2
  • Cross-border transactions will be permitted between these countries
  • Domestic transactions will also be allowed in these countries except for Poland and Switzerland
  • All transactions outside these permitted countries will be blocked. Please refer to the decline reason codes in Table 5 
• Mastercard has also introduced transaction thresholds for certain countries. Transactions on card issued from these countries will be declined (Table 5 for decline reason codes) for amounts lower than the threshold in Table 3
• Transaction thresholds also apply for certain countries. Transactions on card(s) issued from these countries will be declined (decline reason codes shown in Table 5) for amounts lower than the threshold in Table 3)

Table 1 – Mastercard Commercial B2B Interchange Program Product Codes

Table 2 – Mastercard Flex Program Supported Countries

Table 3 – Mastercard Flex Program Country Transaction Threshold

Table 4 – Mastercard Flex Program Interchange Rates¹

Table 5 – Mastercard Flex Program Decline Reason Codes

Please visit our Developer Center for the complete Authorization Retry Strategy specification required on specific mapping of decline reason codes. 

_{1. Interchange rates for these product codes will be announced at a later date: WAZ, WBA, WBB, WBC, WBD, WBF, WBG, WBH, WBI, WBJ, WBK and WBL.}

_{Published January 10, 2025 | P2024.1492,  P2024.1496}

Effective April 12, 2025, Mastercard’s Reporting and Data Transfer fee of $0.0020 will be assessed for each sale transaction in an effort to promote transparency around the cost of service. This is in line with Mastercard’s continuing assessment of reporting, infrastructure and data transfer fees, based on merchant processing activity, and is the first time we are passing this fee to clients.

_{Note: 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 10, 2025 | PBI24.0008}

On January 1, 2025, Mastercard will revise their Transaction Processing Excellence (TPE) program pricing. These changes will be reflected on your March 2025 billing statement.

Table – Mastercard TPE Program Pricing Change

_{Published September 13, 2024 | P2023.0840} 

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}

On October 1, 2024, Mastercard will introduce an MC Mail Order-Telephone Order (MOTO) fee of 0.01695% for every MOTO sales and refund transaction to encourage safe card payment practices. All domestic and cross-border transactions will qualify for this fee.

This fee does not apply to:

• Payment transactions (including Mastercard Send Payment transactions)
• Transactions that qualify for the Mastercard Wholesale Travel Program (previously referred to as the Global Travel Transaction Program)
• Collection-only processing

_{Published June 14, 2024 | P2023.2402}

Effective November 1, 2024, Interac will include additional qualifying merchant category codes (MCCs) under their Tier 1 pricing structure, as shown in the table below.

Rates and other qualifications remain the same.

Table – Interac Updated Flash Interchange Pricing Structure

The Interac Flash interchange fees are also published on Interac’s website.

_{Published July 15, 2024 | P2024.0971}

Starting November 1, 2024, Interac will increase their debit switch fee as shown in the table below.

Table – Interac Updated Switch Fee

_{Published July 15, 2024 | P2024.1100}

Visa is extending their advisory period for the Visa Acquirer Monitoring Program (VAMP) enhancements until September 30, 2025. During the advisory period, you must continue to monitor fraud and dispute metrics and improve risk controls where necessary prior to VAMP enforcement on October 1, 2025. To avoid potential fines under VAMP, please consult your JPMorganChase representative for advice on risk improvement measures and for more information on Visa's monitoring thresholds.

_{Published July 15, 2025 | P2025.0593}

Update: The Visa Smart Debit/Credit (VSDC) Certificate Authority (CA) 1408-bit public key must be removed from all terminals by July 1, 2025 to prevent transaction processing failures.

Visa has extended the expiration date of the Visa Smart Debit/Credit (VSDC) Certificate Authority (CA) 1984-bit public key to December 31, 2034 as shown in the below table. The expiration date of the 1408-bit public key remains the same.

Visa has extended the expiration date of the Visa Smart Debit / Credit (VSDC) Certificate Authority (CA) keys for the 1984-bit public key.

Please reach out to your point-of-sales (POS) service provider to ensure that all terminals supporting Offline Data Authentication or Offline Enciphered PIN contain Visa public keys with the updated expiration dates shown below. Take note to not use expired keys or keys past their expiration date.

Table – Visa Extended Expiration Date for VSDC CA Keys

_{Updated June 13, 2025 | P2025.0233
Updated December 13, 2024 | P2024.1949
Published  November 15, 2024 | P2022.1122}

Update: The effective date of this change has been postponed until further notice by Visa.

Starting July 31, 2025, 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 August 1, 2025.

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 JPMorganChase representative to find the right token solution for you.

_{Updated April 15, 2025 | P2025.0360
Updated December 13, 2024 | P2024.0093
Updated June 15, 2024 | P2024.0093
 Updated December 15, 2023 | P2023.2173
Published August 15, 2023 | P2021.1134a}

Starting May 25, 2025, Visa will increase the retry attempt to 20 times for both cardholder-initiated transactions (CITs) and merchant-initiated transactions (MITs) within 30 days after a category 2, 3 or 4 response code decline. Previously, the limit was only up to 15 times.

Please ensure to comply with the allowed number of retry attempts to avoid transaction declines.

_{Published May 15, 2025 | P2024.2594}

Visa is reminding everyone that transaction identifiers from previous merchant-initiated transaction (MIT) can no longer be used for new token MIT series. Instead, please do the following:

• Use the transaction ID from the initial cardholder-initiated transaction (CIT), and
• Include the correct POS Environment Code in the initial CIT.

Visit our Developer Center for the complete specifications required to be compliant with this change.

_{Published April 15, 2025 | P2025.0462a}

Update: This communication applies to receiving the new response codes in authorization requests.

On April 11, 2025, Visa will introduce the following new response codes under category 2:

1. Transaction not supported/blocked by Issuer.

2. Blocked by cardholder/contact cardholder.

Please refer to the “Authorization Retry Strategy - Orbital, Stratus, and Tandem Supplemental Guide” in our Developer Center to avoid system failures and to ensure your systems are able to receive the new authorization response codes.

_{Updated May 15, 2025 | P2024.1963
Published March 14, 2025 | P2024.1963}

Effective April 1, 2025, the ANG/532 (Netherlands Antilles Guilder) domestic currency for Curaçao and Sint Marten will be converted to the new domestic currency, XCG/532 (Caribbean Guilder) by Visa. This change is in accordance with the Central Bank conversion, and there will be no changes to the ISO Number (532) or minor units.

_{Published January 10, 2025 | P2024.2017, P2024.1198}

On April 16, 2025, initial authorizations for fixed amounts will only be permitted at AFDs. If you use non-AFD MCCs, you can use estimated and incremental authorizations instead.

_{Published December 13, 2024 | P2022.1437a}

The Stored Credential¹ Framework by Visa requires merchants or their agents, payment facilitators (PF) or a staged digital wallet operators (SDWO), to follow the guidelines below for storing and using payment credentials. Merchants or their agents must ensure compliance to avoid transaction declines and maintain proper credential storage and usage practices.

Take note that guest checkout transactions do not qualify for stored credential use due to lack of user consent.

Visa is also reminding merchants of their Stored Credential Field Definitions:

• POS Environment Field "C"
  • Indicates storing credentials for future CITs or UCOF transactions
  • Use the value “10” for the POS Entry Mode Code and value “C” for the POS Environment field in the same transaction only for UCOF transactions
• POS Entry Mode Code "10"
  • Required for all stored credential transactions

Table 1 – Visa Stored Credential Framework: Initial Storage of Credentials

Table 2 – Visa Stored Credential Framework: Using Stored Credentials

_{1.     A stored credential is information (including an account number or payment token) stored by a merchant or its agent, payment facilitator (PF) or a staged digital wallet operator (SDWO) to process future purchases for a cardholder.}

_{Published November 15, 2024 | P2024.1601}

Visa Multiple-Account Access Services (VMAAS) has been renamed Visa Flexible Credential. While all features of the program remain the same, please note that the old program name may still be referenced in earlier published documents.

_{Published November 15, 2024 | P2024.1107}

Effective immediately, the Visa Secure program will support the use of the EMV 3-D Secure (3DS) Bridging Message Extension v2.0 that provides access to these 2.3.1.1 functionalities: 

• New options for existing data fields and sub-fields to support Payment Services Directive 2 (PSD2) strong customer authentication exemptions, recurring payments, and token data 
• Decoupled authentication fallback, where the card-issuer may prompt the cardholder to authenticate at a later time in cases where the initial authentication could not occur 

• Improvements to the Out-of-Band (OOB) challenge flow, including a redirect from the merchant app to the authentication app 

• Split Software Development Kit (SDK) enhancements and additional parameters for SDK device information 

• Changes to the UI/UX requirements for a refined cardholder experience

• Web Authentication (WebAuthn) and Secure Payment Confirmation (SPC), built on the Fast Identity Online (FIDOTM) standard, which introduces a streamlined authentication method during the payment transaction process on the web 

• Updates to the Preparation Request (PReq)/Preparation Response (PRes) messages

For full details on EMV 3DS 2.3.1.1, refer to the EMV® 3-D Secure Protocol and Core Functions Specification v2.3.1.1 on the EMVCo website. 

Visa encourages the adoption of v2.0 of their Bridging Message Extension. The table below outlines the changes from the Bridging Message Extension v1.0 to v2.0.1

Table – Visa Bridging Message Extension v1.0 to v2.0 Changes 

Please refer to EMV® 3-D Secure Bridging Message Extension v2.0 and EMV® Specification Bulletin (SB) No. 295 available on the EMVCo website for further details.

Please contact your third party authentication provider for implementation of the enhancements outlined above.

_{1. As with v1.0 of the Bridging Message Extension, Visa will not support the File URL data within the Bridging Message Extension v2.0.}

_{Published October 15, 2024 | P2024.0829} 

Starting October 19, 2024, Visa will no longer allow domestic transactions for account ranges identified as cross-border only. Please expect these transactions to be declined. 

_{Published September 13, 2024 | P2024.0633, P2024.1283}

Update: Beginning October 18, 2024, the new Authorization Characteristics Indicator (ACI) value of D (EDQP transaction (not CPS3)) will be supported in all transactions.

Effective October 1, 2024, Visa will require all regions to retain and return all common key data elements in clearing transactions. This includes a new data element called Account Funding Source shown in the table below.

In addition, beginning October 18, 2024, the new ACI value of D (Electronic Data Quality Program (EDQP) transaction (not CPS3)) will be supported in all transactions.

Contact your service provider if your system is not supported by Chase to ensure that the account funding source is retained in authorization and returned in clearing.

Please comply with these requirements to avoid reclassification and result to a different interchange rate or fee.

Table – Visa Required Common Data Elements in Clearing Transactions

<sub>1. Account Funding Source is a newly added data element populated in the transaction response beginning October 2024.
2. Formal name is Mail/Phone/Electronic Commerce and Payment Indicator.
3. Custom Payment Service.</sub>

_{Updated September 13, 2024; P2024.0623
Published July 15, 2024 | P2023.2332; P2023.2103;} P2023.2050; P2023.1842; P2023.2096; P2024.0395; P2024.0623 

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; P2023.1557; P2024.1780}

Update: Visa removed the Browser Screen Height and Width from the minimum data required fields.  

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

_{Updated October 15, 2024 | P2024.1395 
Published February 15, 2024 | P2024.0008, P2023.1628}

Last August 22, 2024, the current Visa EMV® 3-D Secure (3DS) Software Development Kit (SDK) encryption key certificate had expired. All SDKs must now obtain, bundle and start using the new encryption key certificate. This change only applies to those using an app SDK to incorporate 3DS authentication into their own application. Merchants using 3DS in a web browser are not impacted by this change.

To avoid service interruption, please follow the two-step process below:

• First, if you use a hosted solution for your EMV® 3DS SDK, check with your hosted solution provider to ensure they are following the required changes on your behalf
• Second, integrate the updated 3DS SDK into your merchant app, publish a new version of the app, and advise end consumers/device holders to update the app on their device(s)

_{Published September 13, 2024 | P2024.0096}

Visa has allowed the use of paper-sourced (wood fiber) materials to produce their non-reloadable prepaid cards. These cards will not exceed a five-year expiration and will have magnetic stripes but not chips.

_{Published August 15, 2024 | P2024.0965}

Mastercard will recquire an online authorization for all refund transactions submitted for clearing starting October 1, 2025. This excludes refunds conducted by airlines (MCCs 3000 through 3350 and MCC 4511), contactless aggregated transit transactions, and commercial card transactions.

_{Published June 13, 2025 | P2025.0302}

On September 1, 2025, all card issuers in Asia Pacific are mandated by Mastercard to decline all chip to magnetic stripe fallback transactions. This does not apply to transactions acquired within the United States.

_{Published June 13, 2025 | P2025.0440}

On July 11, 2025, Mastercard will introduce InControl clearing controls for cards enrolled by their issuing banks. To avoid deposit rejects under InControl, please ensure that the merchant category codes (MCCs) and transaction amounts match in both submission and approved authorization.

_{Published June 13, 2025 | P2024.2032}

Update: The 1408-bit Payment System public key must be removed from all terminals by July 1, 2025 to prevent transaction processing failures.

The 1984-bit Payment System public key expiration date has been extended to December 31, 2034 by Mastercard. The 1408-bit public key expiration date remains the same.

Reach out to your point-of-sale (POS) service provider to ensure that all terminals supporting Offline Data Authentication or Offline Enciphered PIN contain public keys with the updated expiration dates. Please do not use keys past their expiration date.

Table – Mastercard, Maestro and Cirrus Extended Expiration Date for the Payment System Public Key

_{Updated June 13, 2025 | P2024.1842
Published February 14, 2025 | P2024.1842}

Mastercard will introduce the following new decline response codes on June 3, 2025:

1. Closed account - when a card issuer or cardholder permanently closes a credential, or underlying account, and no further authorization requests will be approved.

2. Account not yet activated - when an authorization request is received but cannot be approved because the account has not been activated (e.g. a newly issued account).

To avoid system failures, please refer to the “Authorization Retry Strategy – Orbital, Stratus, and Tandem Supplemental Guide”, appendix B in our Developer Center and make sure you are able to receive the new authorization decline response codes, and their corresponding values to your systems.

_{Published May 15, 2025 | P2024.2031}

Update: The effective date of this change has been moved to April 30, 2025 by Mastercard.

Effective April 23, 2025, with Virtual Reality headsets now supported by Mastercard Digital Enablement Service (MDES), the device type value or form factor for Virtual Reality headset/s, or glasses will be replaced to 34 from 99.

Please visit our Developer Center for the complete specifications.

_{Updated May 15, 2025 | P2023.2426u2
Published March 14, 2025 | P2023.2426a}

On May 12, 2025, Mastercard will generate Mastercard Digital Enablement Service (MDES) static tokens along with cloud tokens to support Click to Pay payments with the following benefits:

• Lessen the use of funding primary account numbers (PANs)
• Allows you to reduce instances of PAN data transmission for guest checkout transactions

If you currently do not support cloud tokens or DSRP-based checkout transactions in Click to Pay, Mastercard will provide static tokens in place of the cardholder’s PAN. A single-use dynamic token verification code (DTVC) may accompany these credentials during payment authorization.

_{Published April 15, 2025 | P2024.2355}

On May 1, 2025, Mastercard will introduce edit criteria to the fields listed below under their Data Integrity Monitoring Program (DIMP). Please note that sending non-compliant fields in deposit transactions submitted to the bank will be subjected to Mastercard’s DIMP fees. To avoid this fee, visit our Developer Center.

Table – New Mastercard Requirements for DIMP Travel Addendum Data

_{1. Mastercard defines airline travel transactions if the MCC is 4511 or between 3000-3350.}

_{Published February 14, 2025 | P2024.0259}

Beginning May 1, 2025, merchants utilizing a Merchant Payment Gateway (MPG)¹ will be required to send the MPG Identifier (MPG ID) for Mastercard card-not-present authorizations and non-financial transactions (e.g., account verification and balance inquiry) to avoid non-compliance fees. Mail order/telephone order (MOTO) authorizations are exempt from this.

In preparation for future compliance mandates, Mastercard recommends including the MPG ID on card-present authorizations as well.

Please work with your vendor/service provider to ensure the MPG ID field is populated in authorizations prior to May 1, 2025. Please refer to the Developer Center for current Chase technical specifications.

_{1. An MPG is a Mastercard registered service provider that captures and sends transaction data to an acquirer, on behalf of a merchant, for processing. The MPG ID is a unique ID provided by Mastercard for each registered MPG. With the MPG ID, merchants will benefit from higher approval rates, lower fraud, and improved compliance with Mastercard Standards.}

_{Published December 13, 2024 | 2022.1533, P2022.0738, P2022.1244}

On April 21, 2025, Mastercard will enable support of Companion Cloud tokens and Recurring Payment Cloud tokens in their Mastercard Digital Enablement Service for digital wallet transactions. Apple Pay will be the first wallet to take advantage of this functionality to provide you with enhanced payment options.

Companion Cloud Tokens facilitate secure eCommerce transactions across multiple devices, while Recurring Cloud Tokens can be stored to continuously support merchant-initiated transactions. Both types offer greater flexibility in managing tokens and reduce dependency on device tokens.

If you choose to support and utilize both Cloud tokens in Apple Pay transactions, please contact Apple Pay for the complete specifications of Companion Cloud tokens and Recurring Payment Cloud token.

_{Published April 15, 2025 | P2024.2614, P2025.0177}

On April 1, 2025, Mastercard will require the presence of tag 9F34 in all EMV (card-present or card-not-present) authorization and clearing messages. This tag provides indication to the terminal of the cardholder verification method (CVM) used for the transaction (for example, offline PIN, online PIN or signature).

To prevent possible non-compliance fees under Mastercard’s Data Integrity Monitoring Program (DIMP), visit our Developer Center for the specifications required to update your Chase-provided terminals or contact your terminal provider.

_{Published March 14, 2025 | P2024.1846}

Update: Mastercard reduced their second presentment file requirement to just the file size not being more than 8.5 MB for all attachments. Other requirements previously communicated no longer apply.

Starting April 11, 2025, Mastercard will allow the following documents to be submitted under their second presentment options when goods were delivered to or picked up by the cardholder.

• Photo proof that the goods were delivered to the address specified by the cardholder
• Documentation that a QR Code, PIN, or similar one-time use passcode was sent to an email address or phone number specified by the cardholder and was subsequently used to access a physical mailbox or merchandise locker where goods were delivered

Additionally, Mastercard will require that documents for all second presentment follow the outlined requirements.

Table – Mastercard updated second presentment file requirement

_{Updated  21 April 2025 | P2025.0047
Published March 14, 2025 | P2025.0047}

Effective March 31, 2025, the ANG/532 (Netherlands Antilles Guilder) domestic currency for Curaçao and Sint Marten will be updated to the new domestic currency, XCG/532 (Caribbean Guilder) by Mastercard. This change is in accordance with the Central Bank conversion, and there will be no changes to the ISO Number (532) or minor units.

_{Published January 10, 2025 | P2024.1578}

Starting March 1, 2025, a null or blank Business Application Identifier (BAI) field for funding transactions may be assessed a non-compliance fee. To prevent this, make sure to provide a valid identifier on the BAI field for all transactions under the following merchant category codes:

• 4829 (Money Transfer)
• 6538 (Funding Transaction for MoneySend)
• 6540 (Funding Transactions)

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

_{Published December 13, 2024 | P2022.0739a}

Mastercard will reject transactions based on the conditions described below.

Table – Mastercard Rejections on Unapproved Authorizations and Force Deposits

Please make sure all transactions are approved and authorized to avoid returns on rejections.

_{1. Transit First Ride Risk Program and Refund Transactions are excluded from rejections.}

_{Published February 15, 2025 | P2024.2029, P2024.2033}

On November 5, 2024, Mastercard will introduce merchant advice code (MAC) value 43 for consumer multi-use Virtual Card Number. The new MAC value will be used for both approved and declined Account Status Inquiry (ASI) transactions.

_{Published June 14, 2024 | P2024.0767}

Mastercard no longer requires unattended point-of-sale (POS) terminals identified with any of the below merchant category codes (MCCs) to provide a receipt at the time of transaction:

• MCC 4111 (transportation: suburban and local commuter passenger, including ferries)
• MCC 4112 (passenger railways)
• MCC 4131 (bus lines)
• MCC 4784 (bridge and road fees, tolls)
• MCC 4789 (transportation services: not elsewhere classified)
• MCC 7523 (automobile parking lots and garages)

This is allowed provided that there is clear disclosure on how a cardholder may obtain the receipt at a later time. For example, a QR code may be displayed linking to a website address where the cardholder may enter their card’s PAN to access their transaction receipt. Any such means involving the transmission, storage, or processing card data must comply with the Payment and Card Industry Data Security Standard (PCI DSS).

_{Published October 15, 2024 | P2024.1542}

Effective October 18, 2024, Mastercard will be prohibiting credit card issuers from generating a cardholder dispute chargeback for automated fuel dispenser (AFD) transactions for chargeback reason code 4853 – Defective/Not as Described. This revision of the chargeback standard will apply to Mastercard transactions at AFDs with the card acceptor business code (MCC) 5542 (Fuel Dispenser, Automated).

AFDs in the region of Europe are excluded from this change.

_{Published August 15, 2024 | P2024.0119}

Effective July 16, 2025, changes to authorized amounts on American Express transactions may be done by using the following variable authorizations before submitting the transaction:

• Estimated authorizations – allows you to obtain an authorization when the final amount is unknown
• Incremental authorizations – allows you to request an increase in the amount of a previously approved estimated and/or incremental authorization
• Partial reversals – allows a partial reversal for a previously approved estimated and/or incremental authorization

Visit our Developer Center for the complete specifications required to utilize these changes. You may also contact your JPMorganChase representative for more information.

_{Published July 15, 2025 | P2023.1893}

Update: The 1408-bit RSA Certification Authority (CA) public key must be removed from all terminals by July 1, 2025 to prevent transaction processing failures.

The 1984-bit RSA Certification Authority (CA) public key expiration date has been extended to December 31, 2034 by American Express. The 1408-bit public key expiration date remains the same.

Reach out to your point-of-sale (POS) service provider to ensure that all terminals supporting Offline Data Authentication or Offline Enciphered PIN contain public keys with the updated expiration dates. Please do not use keys past their expiration date.

Table – American Express Extended Expiration Date for the RSA Certification Authority Public Key

_{Updated June 13, 2025 | P2024.2097
Published February 14, 2025 | P2024.2097}

On March 31, 2025, the ANG/532 (Netherlands Antilles Guilder) domestic currency for Curaçao and Sint Marten will be updated to the new domestic currency, XCG/532 (Carribbean Guilder) by American Express. This change is in accordance with the Central Bank conversion, and there will be no changes to the ISO Number (532) or minor units.

_{Published March 14, 2025 | P2025.0400}

On March 31, 2025, the domestic currency for Curaçao and Sint Marten will be updated to XCG/532 (Caribbean Guilder) from ANG/532 (Netherlands Antilles Guilder) by Discover. This change is in accordance with the Central Bank conversion, and there will be no changes to the ISO Number (532) or minor units.

_{Published March 14, 2025 | P2025.0319}

Discover will enable web browsers to enhance autofill with tokens and virtual card numbers (VCNs). With this change, web browsers may replace primary account numbers (PAN) with e-commerce tokens and/or VCNs. These browsers may also replace the token expiration date, as well as a three-digit dynamic security code  that is randomly generated by Discover.

Cardholders will be able to utilize tokens/VCNs in web browsers that offer auto/form-fill features, including population of cardholder name, shipping/billing addresses, and payment credentials. If needed, cardholders will still be able to utilize their PAN in web browsers.

Please assess if your business is prepared to accept tokens for purchases.

If you choose not to accept tokens through a browser, you may send an email to merchant.support@chase.com with the following information:

• Merchant ID or company number
• Business name
• First and last name of requestor
• Discover merchant number
• Merchant URLs for sites that include your payment credential entry forms:
• Merchant App Package/Bundle IDs (for Android or iOS applications, if applicable)
• Token Autofill preference (choose one):
  • Opt-out for token autofill
  • Opt-in for token autofill (this option should only be used if URL/app package name was previously opted out)

_{Published November 15, 2024 | P2024.0458}

Discover now requires the card acceptor terminal identification code to be submitted in the authorization request. The required point-of-sale (POS) entry modes and their definitions are listed below.

Table – Discover Card Acceptor Terminal Identification Codes

_{Published August 15, 2024 | P2023.0627}

Pre-authorization transactions are restricted on the following merchant category codes (MCCs):

• 7995 (Betting, including Lottery Tickets, Casino, Gaming Chips, Offtrack Betting, and Wagers are Racetracks)
• 6051 (Non-Financial Institutions – Foreign Currency, Money Orders (Not Wire Transfer), Stored Value Card/Load, and Travelers Cheques)
• 7802 (Government Licensed Horse/Dog Racing)
• 4829 (Wire transfer money orders)
• 6050 (Quasi Cash-Member Financial Institution)
• 7801 (Government Licensed Casinos [Online Gambling])

Interac will also update their Operating Regulations to clarify that the pre-authorization functionality will only be used in debit transactions where the final purchase amount is not known.

These changes are in response to issues where self-serve terminals have allowed multiple pre-authorizations from accounts with insufficient balance. Currently, card issuers must honor all pre-authorization completions, even if those exceed the account balance.

_{Published July 15, 2025 | P2024.1365}

Update: The 1408-bit Root Certificate Authority (CA) public key must be removed from all terminals by July 1, 2025 to prevent transaction processing failures.

The 1984-bit Root Certificate Authority (CA) public key expiration date has been extended to December 31, 2035 by UnionPay International. The 1408-bit public key expiration date remains the same.

Reach out to your point-of-sale (POS) service provider to ensure that all terminals supporting Offline Data Authentication or Offline Enciphered PIN contain public keys with the updated expiration dates. Please do not use keys past their expiration date.

Table – UnionPay Extended Expiration Date for the Root CA Public Key

_{Updated June 13, 2025 | P2024.0007
Published February 14, 2025 | P2024.0007}

Update: The 1408-JCB/Certification Authority (CA) public key must be removed from all terminals by July 1, 2025 to prevent transaction processing failures.

The 1984-bit JCB/Certification Authority (CA) public key expiration date has been extended to December 31, 2034 by JCB International. The 1408-bit public key expiration date remains the same.

Reach out to your point-of-sale (POS) service provider to ensure that all terminals supporting Offline Data Authentication or Offline Enciphered PIN contain public keys with the updated expiration dates. Please do not use keys past their expiration date.

Table – JCB Extended Expiration Date for the JCB/CA Public Key

_{Updated June 13, 2025 | P2023.2284
Published February 14, 2025 | P2023.2284}

Effective April 1, 2025, the ANG/532 (Netherlands Antilles Guilder) domestic currency for Curaçao and Sint Marten will be updated to the new domestic currency, XCG/532 (Caribbean Guilder) by UnionPay. This change is in accordance with the Central Bank conversion, and there will be no changes to the ISO Number (532) or minor units.

_{Published Janaury 10, 2025 | P2024.2115}