Payment Brand Changes
Canada

On October 1, 2026, Visa will launch the Digital Commerce Authentication Program (DCAP), an optional program that intends to increase authorization rates, reduce fraud, and improve the customer experience by enhancing data sharing for customer-initiated card-not-present transactions.

In order to participate in DCAP, the following is needed:

• Submission of enhanced data in transaction messages using any of the approved authentication solutions below.
  • Visa Secure
  • 3DS
  • Visa Token Service
• An included Account Funding Transactions (AFTs), both token-based and PAN-based.
• DCAP indicator, used by Visa to identify eligible transactions, retained during authorization and returned in clearing.

What you need to do:

• Please contact your JPMorganChase representative if you would like to participate and receive program benefits, or
• Contact your third-party authorization processors to ensure they can meet Visa’s requirements for the DCAP indicator and AFT authentication for tokenized and PAN-based transactions on the effective date.

_{Published May 15, 2026 | P2025.0641, P2025.0642, P2025.2344, P2025.2358}

Visa is enhancing their card-present $0 account verification (a “zero-dollar” check used to confirm a card is valid) to support PIN verification. This change aligns $0 verifications with standard purchase authorizations, so that the card’s bank can receive the PIN, verify it, and return in a PIN result.

On top of this, the enhancement helps support scenarios where you securely store a customer’s card for future merchant-initiated transactions, such as subscriptions or recurring payments.

What you need to do

If you use PIN with $0 account verification for Visa card-present transactions, please confirm that you are able to support:

1. Receiving and handling PIN-related response codes returned on the $0 account verification response:

• 14 – Not in positive PIN verification file
• 55 – PIN incorrect or missing
• 75 – Allowable number of PIN-entry
• 81 – Cryptographic error found in PIN
• 86 – Cannot verify PIN (for example, no PVV)

2. PIN retry behavior, including resending the $0 account verification when appropriate, following standard PIN retry logic.

If you are unsure whether you use $0 account verification PIN today, contact your JPMorganChase representative or your third-party processor/terminal provider for confirmation.

_{Published May 15, 2026 | P2025.2360}

On June 1, 2026,  Visa will introduce the Card-Present (CP) Token Fee which will be charged on authorized CP tokenized transactions. This will exclude account funding transactions and original credit transactions.

Table  – Visa New CP Token Fee

_{Notes:
-   You have the right to terminate your agreement without penalties by August 10, 2026.
-  In accordance with the Code of Conduct for the Payment Industry in Canada, the full impact of the change is reflected in your updated pricing.}

_{1. As a result of the June 2023 amendment to the Excise Tax Act, services provided by Payment Network Operators are subject to Goods and Services/Harmonized Sales Tax (“GST/HST”). This GST/HST is unrecoverable to CPSI and, as such, this will be reflected as an increased cost of processing.
PCNO Fee = services provided by Payment Card Network Operators (PCNO).}

_{Published April 15, 2026 | P2025.2953a}

Starting June 1, 2026, Visa will introduce a new fee called the Digital Commerce Services Fee (DCSF), as shown in Table 1. This fee will apply to card-not-present (CNP) authorized transactions, such as online or phone purchases. It will not apply to account funding transactions and original credit transactions.

The DCSF will replace the Address Verification Service (AVS) and Card Verification Value 2 (CVV2) fees for CNP transactions. Visa will no longer bill AVS and CVV2 fees for CNP transactions, but these fees will still apply to card-present transactions (in-person purchases), as shown in Table 2.

Table 1 – Visa New DCSF for Domestic and Cross-border Transactions

Table 2 – Visa AVS and CVV 2 Fees

_{Notes:
-   Any items billed in U.S. dollars to JPMorganChase by the payment brands will be converted and billed to clients in Canadian dollars.
-   You have the right to terminate your agreement without penalties by August 10, 2026.
-  In accordance with the Code of Conduct for the Payment Industry in Canada, the full impact of the change is reflected in your updated pricing.}

_{1. As a result of the June 2023 amendment to the Excise Tax Act, services provided by Payment Network Operators are subject to Goods and Services/Harmonized Sales Tax (“GST/HST”). This GST/HST is unrecoverable to CPSI and, as such, this will be reflected as an increased cost of processing.
PCNO Fee = services provided by Payment Card Network Operators (PCNO).}

_{Published April 15, 2026 | P2025.2953}

On June 1, 2026, Visa will introduce new branding requirements to all new executions for the following payment experiences:

• Tap to Peer-to-Peer (P2P)
• Visa Tap to Add Card
• Tap to Activate
• Tap to Confirm

Visa will also require Enabled by Visa as the brand endorsement messaging for Visa Direct, including Visa+ and Visa Tap to P2P. More information can be found in the Visa Brand Center page.

_{Note: Effective June 1, 2027, merchants must adhere to the branding requirements for all executions for the above-mentioned payment experiences.} 

_{Published April 15, 2026 | P2025.3418}

Visa strongly recommends merchants to include the Original Transaction ID (OTID) in all PAN- and token‑based standing instruction merchant‑initiated transaction (MIT) authorization. With this, merchants should:

• Always capture and pass the OTID in every MIT authorization message
• Ensure the initial cardholder-initiated transaction (CIT) includes the correct POS environment code with indicators I, R, or C, using the same credentials intended for future MITs
• Leverage Visa’s MIT Service to securely store, retrieve, and pass the OTID into the MIT authorization message to simplify implementation and ensure accurate linkage to the CIT 

Doing the above enables:

• Precise linkage from the initial CIT to follow‑on MITs at the subscription level, preventing over‑blocking and avoiding declines caused by merchant‑level stop instructions 
• Fewer repeated retries and declines, minimized compliance‑associated fees, and the ability to unlock more Visa value‑added services and insights through improved data integrity
• Merchant visibility into cardholder cancellation and subscription management via notifications

_{Published April 15, 2026 | P2025.3425}

Banque de France recommends merchants to expand 3DS authentication coverage for card-not-present transactions using cards issued in France. If you have not yet expanded 3DS coverage, please take immediate action to align with these recommendations.

Visa also recommends reviewing the Banque de France announcement  and website for further details.

_{Published April 15, 2026 | P2026.0363}

Visa will introduce Visa Infinite Plus on April 17, 2026. This will be a new credit product offered to affluent cardholders in Canada. You’ll see the below new and existing fee programs assessed to the Visa Infinite Plus credit transactions.

Table 1 – New Visa Domestic Consumer Credit Program Rates for Visa Infinite Plus Credit Transactions

Table 2 – Existing Visa Domestic Account Funding Transactions (AFT) and Original Credit Transactions (OCT) Programs for Visa Infinite Plus Credit Transactions

Table 3 – Existing Visa Interregional Programs for Visa Infinite Plus Credit Transactions

<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.
- You have the right to terminate your agreement without penalties by June 26, 2026.</sub>

_{Published March 13, 2026 | P2025.2295, P2025.2353}

Reminder: Visa has completed their annual evaluation for eligibility in the Small Merchant Interchange program. If your business qualifies, this change will be reflected on your April 2026 statement.

Businesses with an annual processing volume not exceeding $300,000 are eligible for Visa’s Small Merchant Interchange Program. If your business is eligible, the reduced Small Merchant rates will be applied; if you are no longer eligible, your rates will return to the Regular Rates outlined in the tables below.

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

Table 1 – Visa Small Merchant Electronic Fee program¹ rates

Table 2 – Visa Small Merchant Card-Not-Present Token Fee Program Rates

Table 3 – Visa 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, and Everyday Needs – Other.}

_{Published March 13, 2026 | P2025.0206}

On April 25, 2026, Visa will update their System Integrity Fees (SIFs). These will be assessed for non-compliant international authorization attempts, including category 1 declines and excessive reattempts after category 2, 3 and 4 declines shown below.

Table – Visa Revised SIFs

<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.
- In accordance with the Code of Conduct for the Payment Industry in Canada, the full impact of the change is reflected in your updated pricing.</sub>

_{1. As previously notified, due to the June 2023 amendment to the Excise Tax Act, services provided by Payment Network Operators are subject to Goods and Services/Harmonized Sales Tax (“GST/HST”). This GST/HST is unrecoverable to CPSI and, as such, this will be reflected as an increased cost of processing.
PCNO Fee = services provided by Payment Card Network Operators (PCNO).}

_{Published March 13, 2026 | P2025.1811}

Effective April 1, 2026, Visa will modify their Non-Domestic Settlement Currency (NDSC) fee for cross-border transactions that are settled in a currency different from the merchant’s domestic currency, as shown below.

Table – Updated Visa NDSC fees

<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.
- In accordance with the Code of Conduct for the Payment Industry in Canada, the full impact of the change is reflected in your updated pricing.</sub>

_{1. As previously notified, due to the June 2023 amendment to the Excise Tax Act, services provided by Payment Network Operators are subject to Goods and Services/Harmonized Sales Tax (“GST/HST”). This GST/HST is unrecoverable to CPSI and, as such, this will be reflected as an increased cost of processing.
PCNO Fee = services provided by Payment Card Network Operators (PCNO).}

_{Published February 13, 2026 | P2025.1809}

Visa has updated their Visa Acquirer Monitoring Program (VAMP) ratio to include fraud disputes, in addition to non-fraud disputes.

Beginning October 1, 2025, Merchants exceeding VAMP ratio thresholds and minimum monthly counts to enter the program will be assessed a merchant excessive fee of 8 USD by Visa, multiplied by each instance of fraud and each dispute.

It is recommended to take the following measures to reduce being identified in VAMP:

• Implement fraud prevention and security tools to detect and prevent unauthorized transactions,
• Use advanced dispute mitigation tools, such as Real-time Dispute Resolution (RDR) systems and
• Conduct thorough analyses of chargebacks to yield insights on underlying causes of disputes.

Table – Updated VAMP criteria for merchant excessive thresholds

<sub>Note: Any items billed to Chase Paymentech by the payment brands in U.S. dollars will be converted and billed to clients in Canadian dollars.
1. Effective April 1, 2026 this threshold will be lowered to 150 bps.</sub>

_{Published August 15, 2025 | P2025.1030}

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 February 21, 2026, Visa will increase the permitted clearing variance for MCC 5812 – Eating Places and Restaurants and MCC 5814 – Fast Food Restaurants to 30% from 20%. MCC 5811 – Caterers will also be added to the same permitted clearing variance. The update aims to reduce dispute risks in case merchants need to process a final transaction amount with a clearing variance of more than 20%.

_{Published January 15, 2026 | P2025.2026}

All users of legacy Click to Pay solutions (such as Visa Secure Remote Commerce initiator (SRCi) Click to Pay button, Click to Pay button, or any integration that uses v1 of the SDK) are required by Visa to migrate to a compliant, network token-based Click to Pay implementation.

On January 31, 2026, legacy Click to Pay solutions will no longer be supported and should be migrated to any of the following Visa provided options:

• Unified Click to Pay
• Drop-In User Interface (UI)
• Visa Click to Pay
• Unified Checkout (for merchants currently on Cybersource gateway)

_{Published November 14, 2025 | P2025.0969}

Bulgaria will adopt the euro as their national currency in 2026. This change will affect transactions outlined below.

_{Published October 15, 2025 | P2025.2121}

Updated: Added clarification that the processing of delayed charges for damages will be prevented if there is a failure to submit required documentation.

Starting October 18, 2025, Visa will standardize requirements for processing delayed charges for loss, theft, or damages.

A delayed charge transaction for damages, will require merchants to obtain cardholder consent through one of the following:

• Cardholder signature on the same page and near the description of potential charges for delayed charge transactions
• Cardholder signature on the agreement and initials on each page, including the page with the charge description
• Other documentation proving the cardholder's liability for damages

Failure to submit the required documentation will prevent the processing of delayed charges for damages.

These requirements apply to the following merchant types:

• Vehicle Rental Merchants (Including but not limited to MCCs 3351 – 3441)
• Lodging Merchants (Including but not limited to MCCs 3501 to 3840)
• MCC 7999 – Recreational Services (Aircraft, bicycle, and motorcycle rental)
• MCC 4457 – Boat Rentals and Leasing
• MCC 7296 – Clothing Rental (Costumes, uniforms, and formal wear)
• MCC 4411 – Steamship and Cruise Lines
• MCC 7394 – Equipment, Tool, Furniture, and Appliance Rental and Leasing
• MCC 4789 – Transportation Services
• MCC 7519 – Motor Home and Recreational Vehicle Rentals
• MCC 7033 – Trailer Parks and Campgrounds

_{Updated December 15, 2025 | P2025.1574a
Published October 15, 2025 | P2025.1574}

On October 18, 2025, Visa will add new Spend Qualified Indicator (SQI) values to supplement the existing values shown in the table below.

The new SQI values may be applied to Interchange Reimbursement Fee programs in certain markets, similar to the current values. Future programs may include an expanded level of spend qualification which may utilize the new values.

Please visit our Developer Center for the complete specifications of the SQI values.

Table – Visa New and Existing SQI Indicators

_{Published October 15, 2025 | P2025.0648}

On October 17, 2025, Visa will add Visa Stop Payment Service (VSPS) checks in the account verification process. This will notify merchants of stop instructions for a primary account number for recurring and installment transactions.

Please be prepared to receive the following VSPS decline response codes:

• R0 – Stop this payment
• R1 – Stop all future payments
• R3 – Stop all merchants

These VSPS decline response codes indicate that the cardholder has withdrawn their consent to use their card for payment. Please do not attempt to resubmit an authorization request after receiving any of the VSPS decline response codes.

_{Published October 15, 2025 | P2025.0651}

On October 18, 2025, Visa will reduce their Small Merchant Electronic¹ fee program rate² applicable to domestic purchase and credit voucher transactions for core consumer credit products (Visa Classic, Visa Gold, and Visa Platinum).

Table – Updated Visa Small Merchant Electronic Fee Interchange Program

<sub>1. May be referred to as Small Merchant Card Present in previous documentation.
2. Rate is also applicable to eligible small merchants with MCCs from the following segments (in addition to the Electronic Fee Program): Industry - Gas, Industry - Grocery and Food Retail, Everyday Needs - Restaurant, and Everyday Needs – Other.
Note: 
- You have the right to terminate your agreement without penalties by December 27, 2025.
- In accordance with the Code of Conduct for the Payment Card Industry in Canada, the full impact of the change is reflected in your updated pricing.</sub>

_{Published September 15, 2025 | P2025.1627, P2025.1617}

On October 17, 2025, Visa will allow travel intermediaries to use non-travel MCCs in Visa Commercial Choice (VCC) Travel¹ transactions. The usual VCC fees will apply and there will be no changes to the existing interchange fees.  

_{1. The Visa B2B Virtual Payments Program has been renamed to Visa Commercial Choice Travel Program.}

_{Published September 15, 2025 | P2025.0644}

On October 17, 2025, Visa will add response code 78 – Blocked, first used or special condition—new cardholder not activated or card is temporarily blocked to the list of permitted response codes for credit voucher and merchandise return authorization transactions. Please refer to the updated list below.

Table 1 – Visa Valid Card Issuer-Provided Approve Response Codes

Table 2 – Updated Visa Valid Card Issuer-Provided Decline Response Codes

<sub>1. Applies only to non-reloadable prepaid cards that do not support credit transaction types, or certain healthcare-related prepaid products where transactions are restricted to certain merchant categories. Response code 57 is not valid for general credit or debit card transactions.
2. This is not a new response code; it already exists for other transactions, but it is now being leveraged for merchandise return and credit vouchers.</sub>

_{Published September 15, 2025 | P2025.0649}

On October 17, 2025, Visa will allow cardholders to use Visa Debit mobile wallet credentials for in-store payments by providing them with a single wallet credential that works across all payment channels.

If your payment system is managed by a third-party payment processor, please contact them to ensure they are certified to send Visa Debit card present transactions to Chase.

If you are not enabled to accept Visa Debit, or would like to disable Visa Debit, please call your JPMorganChase representative.

Visa is updating their Visa Commercial Choice (VCC) Travel¹ fee on October 1, 2025. This fee applies to all eligible domestic transactions as shown below, and will not affect VCC Travel intraregional and interregional transactions.

Table – Updated Visa Commercial Choice Travel fee

<sub>Notes:
-  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 penalties by December 10, 2025.
1. The Visa B2B Virtual Payments Program has been renamed to Visa Commercial Choice Travel Program.</sub>

_{Published August 15, 2025 | P2025.1600}

Beginning September 1, 2025, a non-compliance fee of 0.0904% will be charged on settled cardholder-initiated card-not-present transactions where the authorization-to-clearing date is greater than 10 days. This fee is in addition to any existing Processing Integrity fees or possible dispute impacts.

This fee may be avoided by taking the below actions:

• Submit deposits within 10¹ days from the authorization date. To get the best interchange rates, it is recommended to submit your deposits within 7 days.
• Reverse the original authorization and obtain a new one if a transaction is not completed within a 10-day approval time frame.

Take note that incremental authorizations are only allowed when the initial authorization is submitted as an estimated authorization. A 0.0226% fee applies to estimated and incremental authorizations.

<sub>Note:
- 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).
1. Except for lodging, cruise lines, and vehicle rental agencies. These industries have 30 days to clear transactions before this fee is assessed if the initial authorization is submitted and properly identified as an estimated authorization.</sub>

_{Published July 31, 2025 | P2024.1837a}

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}

Please visit our Developer Center for Visa’s updated Address Verification Service (AVS) result code definitions and descriptions. Please note that there are no changes to AVS result codes.

For effective AVS results, follow these best practices:

• Send genuine address data provided by the cardholder
• Do not send dummy or repeat data
• Do not send exclusively spaces, blanks or non-printable characters
• Provide both street address and postal / ZIP code whenever possible
• Ensure the billing address is sent in AVS requests when the shipping and billing addresses are different

_{Published September 15, 2025 | P2025.1593}

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}

On October 24, 2026, Mastercard will introduce the following product codes and their corresponding interchange rates under their Mastercard Flex Program. All other rates within the program remain the same.

Table – Mastercard Updated Flex Program Interchange Rates

<sub>Note: After the effective date of this change, you have the right to terminate your agreement without penalties by January 2, 2027.
1. Interchange rates for WBL will be announced at a later date.</sub>

_{Published May 15, 2026 | P2026.0766, P2026.0777, P2026.0763, P2026.0466}

On May 25, 2026, Mastercard will implement changes to their Digital Enablement Fee structure limit as shown below. The fee is assessed on card-not-present transactions, including those declined for insufficient funds (Response code 51). Take note that rates for transactions less than 10,000,000.00 USD will remain the same.

Table – Updated Mastercard Digital Enablement Fee

_Notes:

<sub>- Any items billed in U.S. dollars to JPMorganChase by the payment brands will be converted and billed to clients in Canadian dollars.
- You have the right to terminate your agreement without penalties by August 3, 2026.
- In accordance with the Code of Conduct for the Payment Industry in Canada, the full impact of the change is reflected in your updated pricing.</sub>

<sub>1. As previously notified, due to the June 2023 amendment to the Excise Tax Act, services provided by Payment Network Operators are subject to Goods and Services/Harmonized Sales Tax (“GST/HST”). This GST/HST is unrecoverable to CPSI and, as such, this will be reflected as an increased cost of processing.
PCNO Fee = services provided by Payment Card Network Operators (PCNO).
2. Previous limit of 1,000.00 USD.</sub>

_{Published April 15, 2026 | P2025.2692}

On April 17, 2026, Mastercard removed the Mastercard Flex Program fee of 0.113% per settled transaction. All other previously published rates remain the same.

_{Published May 15, 2026 | P2026.0766, P2026.0777, P2026.0763}

Effective April 17, 2026, Mastercard will reinstate the Fraudulent Processing of Transactions Chargeback as a compliance case.

This change addresses fraud schemes where customers are tricked into approving additional fraudulent, face-to-face, card-read transactions shortly after a legitimate purchase. These transactions can appear under a different merchant name or location.

A common fraud scheme works like this:

1. A cardholder tries to pay at the pump.

2. The attendant claims the transaction didn’t go through and brings the cardholder inside to pay (or offers to take the card inside for them).

3. Inside, the attendant uses a fraudulent or tampered merchant terminal to run an in-person, card-read transaction under a different merchant name and location than what the cardholder authorized.

As a result of this change, you may see an increase in dispute compliance cases related to above fraudulent activity scenarios.

_{Published April 15, 2026 | P2025.2063}

Reminder: Mastercard has completed their annual evaluation for eligibility in the Small Business Interchange program. If your business qualifies, this change will be reflected on your April 2026 statement.

Businesses with an annual processing volume not exceeding $175,000 are eligible for Mastercard’s Small Business Interchange Program. If your business is eligible, the reduced Small Business rates will be applied; if you are no longer eligible, your rates will return to the Regular Rates outlined in the tables below.

Table – Mastercard Small Business Program Rates

_{Published March 13, 2026 | P2024.0061}

On April 1, 2026, Mastercard will revise their Transaction Processing Excellence (TPE) criteria for assessing the Processing Integrity Fee-Not Reversed/Cleared Preauthorization Fee.

This applies to each approved preauthorization not cleared or fully reversed within 30 calendar days of the original authorization date, and does not apply to the following:

• Preauthorization requests followed by one or more incremental preauthorizations
• Private label or non-Mastercard branded transactions
• Offline-approved transactions
• Automated Fuel Dispenser transactions (MCC 5542)
• Transit Aggregated or Transit Debt Recovery transactions

To avoid this fee, please clear the transaction or submit a full authorization reversal within 30 calendar days of the original authorization date, and include the original authorization’s trace ID/transaction ID with the clearing or reversal.

_{Note: You may refer to the published communication “January 2026 – TPE program pricing updates” for information on the Processing Integrity Fee-Not Reversed/Cleared Preauthorization Fee for Mastercard.}

_{Published March 13, 2026 | P2026.0268}

Starting April 17, 2026, Mastercard will no longer allow the full primary account number (FPAN) to appear in any document used for disputes. As a result of this change, merchants should NOT upload documents for Mastercard containing the FPAN, as merchants may be assessed a Technical Violation Fee per the terms of the Merchant Agreement. This rule also applies if the same document is sent again in a later¹ dispute and still shows the FPAN.

To avoid the violation, only show the last four digits of the card number in any document. Here are some ways to mask the rest of the numbers:

• Cover the other digits with black ink
• Use a software to block out the digits
• Replace the digits with symbols like X, *, or #

Whatever method is used, make sure the FPAN cannot be read or reconstructed.

_{1. If a document is sent with the FPAN, Mastercard will not cancel the dispute, but the violation may be assessed.}

_{Published March 13, 2026 | P2025.1932}

On April 1, 2026, Mastercard will modify domestic interchange rates and fee names as shown below.

Table 1 – Updated Mastercard consumer and commercial credit domestic interchange rates

Table 2 – Updated Mastercard consumer and commercial credit domestic interchange rates and fee names

_{Note: You have the right to terminate your agreement without penalties by June 10, 2026.}

_{Published February 13, 2026 | P2025.3089}

Mastercard is introducing new time-based authorization validity value fees for cleared final authorization transactions in phases, as shown below.

Table – Mastercard time-based authorization validity value fees

<sub>Notes:
- You have the right to terminate your agreement without an Early Termination Fee by May 25, 2026.
- In accordance with the Code of Conduct for the Payment Industry in Canada, the full impact of the change is reflected in your updated pricing.</sub>

<sub>1. As a result of the June 2023 amendment to the Excise Tax Act, services provided by Payment Network Operators are subject to Goods and Services/Harmonized Sales Tax (“GST/HST”). This GST/HST is unrecoverable to CPSI and as such, this will be reflected as an increased cost of processing.
PCNO Fee = services provided by Payment Card Network Operators (PCNO)
2. Clearing transactions submitted between 72 hours and 168 hours after the authorization.
3. Clearing transactions submitted between 24 hours and 72 hours after the authorization.</sub>

_{Published February 13, 2026 | P2025.1059}

Starting March 31, 2026, Mastercard will update their transaction processing requirements for outbound transactions made with cards issued in Mainland China, as outlined in the tables below. These changes, which are enforced at the Authorization request stage and will now also be reinforced at the clearing stage, are designed to ensure compliance with Mainland China’s regulatory standards and may impact how certain transactions are processed.

Table 1 – Prohibited or invalid card acceptor business codes (MCCs) for which all transactions will be rejected

Table 2 – Restricted or invalid MCCs for which transactions more than 5,000 USD will be rejected

_{Published January 15, 2026 | P2025.3056}

Mastercard has shared the following best practices for preventing enumeration attacks. These attacks involve fraudsters systematically testing card numbers and credentials to identify valid card details.

• Capture and validate CVC2. Always require and validate the CVC2 code when adding a card or processing transactions. This is mandatory for card add in the Europe region and strongly recommended elsewhere.
• Enable EMV 3-D Secure authentication. Ensure EMV 3-D Secure is performed for all card adds and e-commerce transactions to provide an additional layer of security and prevent unauthorized card use.
• Implement CAPTCHA technology. Use CAPTCHAs during card add and checkout to block bots and automated attacks.
• Use Address Verification Service (AVS). Where supported, use AVS to verify the cardholder’s address and further reduce fraud risk.
• Monitor for unusual activity. Watch for spikes in transaction declines, multiple card adds from the same IP address or account, and increases in high-dollar, cross-border transactions. Set up internal alerts for higher than usual failure rates in card adds and authorization transactions.
• Limit transaction velocity. Detect and prevent multiple card adds or transactions per user account or IP address within short time frames. Implement throttling to restrict the number of actions from a single user account or IP address.
• Meet PCI DSS Standards. Ensure your business and all third-party service providers (e.g., payment gateways and shopping cart providers) comply with PCI DSS requirements and have mechanisms to detect and prevent enumeration attacks.
• Report suspicious activity. Immediately report any suspected account takeover or enumeration attack to your bank.
• Remediation plan. Have a documented and actionable remediation plan to address enumeration attacks within 72 hours of detection or notification by your bank or Mastercard.

Implementing these measures will help reduce fraud losses, protect cardholder data, and maintain trust with your customers. Please review your current processes and update them as necessary to comply with Mastercard’s recommendations.

_{Published March 13, 2026 | P2025.3018}

Update: On February 2, 2026, the previously excluded Digital Enablement fee will also be assessed on card-not-present transactions declined for insufficient funds (Response code 51).

Effective November 3, 2025, Mastercard removed the current maximum cap of 0.20 USD for transactions equal to or exceeding 1000 USD. There’s no change for transactions less than 1000 USD.

Table – Mastercard Digital Enablement Fee Update

<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.
- You have the right to terminate your agreement without penalties by April 26, 2026.
- In accordance with the Code of Conduct for the Payment Card Industry in Canada, the full impact of the change is reflected in your updated pricing.
1. As previously notified, due to the June 2023 amendment to the Excise Tax Act, services provided by Payment Network Operators are subject to Goods and Services/Harmonized Sales Tax (“GST/HST”). This GST/HST is unrecoverable to CPSI and, as such, this will be reflected as an increased cost of processing.
PCNO Fee = services provided by Payment Card Network Operators (PCNO).</sub>

_{Updated January 15, 2025 | P2025.1775a
Published September 15, 2025 | P2025.1775}

On 1 January 2026, Mastercard will revise their Transaction Processing Excellence (TPE) program pricing as follows:

Table – Mastercard Updated TPE Program Pricing

<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.
- You have the right to terminate your agreement without an Early Termination Fee by March 12, 2026.
-  In accordance with the Code of Conduct for the Payment Card Industry in Canada, the full impact of the change is reflected in your updated pricing.</sub>

_{1. As previously notified, due to the June 2023 amendment to the Excise Tax Act, services provided by Payment Network Operators are subject to Goods and Services/Harmonized Sales Tax (“GST/HST”). This GST/HST is unrecoverable to CPSI and as such, this will be reflected as an increased cost of processing and has been included in the above amounts.} 

_{Published November 14, 2025 | P2023.0840b}

Starting January 1, 2026, Mastercard will amend their Merchant Advice Code (MAC) Transaction Processing Excellence criteria. The amendment will no longer include the same amount condition in a transaction, and the MAC fee will continue to be assessed on transactions that meet the following criteria:

• Received a MAC of:
  • 03 – account closed or fraudulent
  • 21 – cardholder-requested block
• And made on the same card at the same merchant, within the past 30 days, regardless of the transaction amount.

_{Published November 14, 2025 | P2024.2559}

In 2026, Bulgaria will adopt the euro as their national currency. This change will affect transactions outlined below.

_{Published October 15, 2025 | P2025.1973}

Effective November 4, 2025, Mastercard will apply Merchant Advice Code (MAC) to card-present transactions. This change will allow you to receive MAC value 02 (Cannot approve at this time, try again later) that will not be limited to deferred authorizations. This will help manage resubmissions for deferred authorizations.

_{Published October 15, 2025 | P2025.0809}

On November 1, 2025, Mastercard will update their Credential Continuity Program rate, applicable to each recurring payment transaction using outdated credentials.

Table – Mastercard Credential Continuity Program Updated Rate

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

<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.
- You have the right to terminate your agreement without penalties by January 10, 2026.
- In accordance with the Code of Conduct for the Payment Card Industry in Canada, the full impact of the change is reflected in your updated pricing.</sub>

_{Published September 15, 2025 | P2025.0821}

Merchants with sales of online gift cards as their primary activity are now permitted to use MCC 6051 (Quasi Cash) as purchase transactions, following Mastercard’s revision of their standards.

They may still use MCC 6540 for funding transactions, but it must be coded with the approriate Transaction Type Identifier (TTI) values and additional transaction reference data.

To avoid potential data integrity fines, please visit our Developer Center for the complete specifications for funding transactions. You may also contact your JPMorganChase representative for more information.

_{Published October 15, 2025 | P2025.1967}

On October 18, 2025, Mastercard will introduce interchange rates for the Mastercard Wholesale Travel Program (MWP) for global and intraregional transactions in the U.S. region. The program allows negotiations between B2B travel buyers and suppliers, and other features to support the needs within the travel sector.

Table 1 – Mastercard Wholesale Travel Global Interchange Rates

Table 2 – Mastercard Wholesale Travel Intraregional U.S. Interchange Rates

<sub>Note:
- You have the right to terminate your agreement without penalties by December 27, 2025.
- In accordance with the Code of Conduct for the Payment Card Industry in Canada, the full impact of the change is reflected in your updated pricing.</sub>

_{Published September 15, 2025 | P2025.0822}

On October 17, 2025, Mastercard will revise the following standards:

• Authorization resubmission requirements. Resubmitted requests must include the same merchant details and POS condition values as the original, unless exceptions apply (e.g., transit debt recovery). They must also include the original PAN and expiration date, a tokenized-stored credential obtained through Secure Remote Commerce tokenization, or new account information from the cardholder or Automatic Billing Updater.
• Token cryptogram exception. If token cryptogram data is used in a declined merchant-initiated transaction (MIT) authorization request, it must not be reused in subsequent resubmissions.
• CNP transaction restrictions. Declined card-not-present (CNP) cardholder-initiated transactions must not be resubmitted as an MIT, except for transit debt recovery.
• Merchant advice codes. Merchants should use the decline reason and merchant advice code from the issuer's response in their resubmission strategies for MITs.
• Prohibition of data manipulation. Merchants must not manipulate transaction data in resubmissions to evade payment arrangement cancellations. This includes altering the acceptor ID or acceptor name used in the merchant's transaction messages, or shifting the merchant's transaction volume to a different acceptor ID.
• Response code restrictions. If any of the following response codes are received in the issuer’s authorization response for a merchant-initiated CNP transaction, do not make additional authorization requests for the same transaction with the same account information (PAN and expiration date combination) at any time:
  • 04 (Capture card)
  • 14 (Invalid card number)
  • 15 (Invalid issuer)
  • 41 (Lost card)
  • 43 (Stolen card)
  • 54 (Expired card)
• Resubmission strategy. The authorization resubmission strategy for MITs must consider both the decline reason code and MAC, as shown below:

Table – Mastercard Authorization Resubmission Strategy for MITs

Please visit our Developer Center for the complete specifications.

_{Published September 15, 2025 | P2025.0437}

A 0.113% Non-Local Currency fee will be introduced on October 13, 2025 by Mastercard. This applies when merchants choose to settle transactions in currencies other than their domestic currency.

<sub>Notes:
-  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 penalties by December 22, 2025.
- In accordance with the Code of Conduct for the Payment Card Industry in Canada, the full impact of the change is reflected in your updated pricing.</sub>

_{Published August 15, 2025 | P2025.0100}

On October 18, 2025, Mastercard will modify the criteria for interregional Digital Commerce interchange program for card-not-present (CNP) transactions. To qualify for this program, transactions must meet either of the following:

• Should be 3DS authenticated, or
• Should be tokenized and include a token requestor ID.

CNP transactions that do not qualify for the Digital Commerce interchange program will qualify for the Consumer Base interchange program. In addition, the interregional Consumer Rate III: Base interchange will be modified as shown below. The refund rate of 1.00% remains the same.

Table – Updated Mastercard Interregional Consumer Rate III: Base Interchange Rates

_{Notes:
-  Any items billed in U.S. dollars to JPMorganChase by the payment brands will be converted and billed to clients in Canadian dollars.
-  You have the right to terminate your agreement without an Early Termination Fee by December 27, 2025.}

_{Published August 15, 2025 | P2025.0168}

Mastercard will require 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 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}

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}

Mastercard has expanded geographic availability to include Canada in their revised standards for the following domestic Account Funding Transactions (AFTs):

• Transfer Funds to Own Securities Account
• Transfer Fiat Currency Funds to Own Cryptocurrency Account
• Transfer Funds to Own Gaming and Gambling Account/Wallet

To avoid non-compliance and potential fines from Mastercard, it is recommended to refrain from using purchase transactions for the above AFTs.

Please visit our Developer Center for the complete requirements and specifications on these transactions.

_{Published September 15, 2025 | P2025.0840}

Update: Mastercard has extended the 1984-bit Payment System public key expiration date to December 31, 2035, as shown in the table below.

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 December 15, 2025 | P2024.1842u1
Updated June 13, 2025 | P2024.1842
Published February 14, 2025 | P2024.1842}

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}

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 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}

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}

Starting April 17, 2026, American Express OptBlue will require the below merchant profile data fields during the OptBlue Program merchant registration. Those with inaccurate or incomplete required data may be blocked or canceled from the OptBlue Program, resulting in ineligibility and not being able to process authorization and clearing transactions.

Required Merchant Profile Data Fields:

• Seller ID
• Seller Legal Name
• Seller DBA Name
• Seller Street Address
• Seller City Name
• Seller Region Code
• Seller Postal Code
• Seller Country Code
• Seller Currency Code
• Language
• Authorized Signer First Name
• Authorized Signer Last Name
• Authorized Signer Country Code

If you are blocked or canceled, please reach out to your JPMorganChase representative to resolve the issue and ensure your profile data is updated, complete, and compliant with the required merchant user profile data fields.

_{Published March 13, 2026 | P2025.2646}

Bulgaria will adopt the euro as their national currency in 2026. This change will affect the transactions outlined below.

_{Published January 15, 2026 | P2025.2868}

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}

Discover now requires a valid date value to be provided in the Expiration Date field for all Discover card-not-present or key-entered authorization transactions. Please ensure the valid expiration date is submitted in the YYMM format to prevent transaction declines.

_{Publihed May 15, 2026 | P2021.1200a}

The Discover® Network Acceptance Mark has been updated. Please visit Discover’s Signage Site for more details.

_{Published April 15, 2026 | P2026.0620}

On April 17, 2026, Discover will be modifying their consumer credit interchange fee names to “Core Plus” from “Rewards” as seen in the table below. There are no changes to the rates.

Table – Updated Discover Consumer Credit Interchange Fee Names

_{Published March 13, 2026 | P2025.2631}

Starting January 1, 2026, Discover will require all cards to be compliant with D-Payment Application Specification (D-PAS) Connect. Ensure that your contactless D-PAS terminals have the correct terminal transaction qualifier (TTQ) to avoid terminated transactions. Discover will also discontinue support for offline plaintext PIN (OPTP).

In addition, by December 31, 2025, contactless terminals must cease supporting Zip or CTL-MSD transactions and be updated to support EMV contactless payments. D-PAS Connect transactions will fail if terminals only support CTL-MSD or Zip.

Please visit our Developer Center for the full D-PAS details. If your POS is managed by a third-party provider, please contact them to ensure compliance.

_{Published October 15, 2025 | P2025.1633}

Bulgaria will adopt the euro as their national currency in 2026. This change will affect the transactions outlined below.

_{Published January 15, 2026 | P2025.3181}

Starting November 1, 2025, Interac will increase their debit switch fee as shown in the table below.

Table – Updated Interac Switch Fee

<sub>Note:
- You have the right to terminate your agreement without penalties by January 10, 2026. 
- In accordance with the Code of Conduct for the Payment Card Industry in Canada, the full impact of the change is reflected in your updated pricing.</sub>

_{Published September 15, 2025 | P2025.1016}

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}

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}