Payment Brand Changes
U.S. and U.S. Territories

Effective October 1, 2026, new pricing will take effect for the Vehicle Rental Merchant Flexible Extension Program and the Vehicle Rental Merchant Asset Protection Program. These programs apply to vehicle rental merchants operating under MCCs 3351–3500 – Car Rental Agencies and MCC 7512 – Automobile Rental Agency.

No registration is required. Fees will apply automatically to transactions that meet program requirements.

What are the programs

• The Vehicle Rental Merchant Flexible Extension Program allows you to clear and settle a previously authorized transaction when a cardholder extends their rental beyond the original term and you cannot obtain sufficient incremental authorizations for the revised amount. An estimated authorization at the start of the rental period is required.
• The Vehicle Rental Merchant Asset Protection Program allows you to use risk modeling to determine the estimated authorization amount at car pickup. This amount may be non-standard and may exceed the expected final transaction amount. If the final amount is less than authorized, you must submit a reversal for the unused portion.

Table – Visa New Car Rental Industry Program Pricing

^{Published August 14, 2026 | P2026.1477}

Visa will introduce updated branding requirements for Visa Payment Passkey (VPP) to provide clearer naming and visual identification. These requirements will apply to new VPP implementations starting September 1, 2026, and to all VPP implementations starting September 1, 2027.

 The updated branding requirements cover the use of the following:

• FIDO™ passkey icon
• Visa brand mark
• Visa Sensory branding during VPP enrollment and authentication
• Visa brand presence and screen sequence during checkout flows

Please contact your third-party processor to ensure VPP implementations align with these branding updates.

More information is available on the Visa Brand Center page.

^{Published July 15, 2026 | P2026.0979}

Effective August 16, 2026, new pricing will take effect for Visa’s Vehicle Rental Merchant Flexible Extension Program and the Vehicle Rental Merchant Asset Protection Program. These programs apply to merchants operating under MCCs 3351–3500 – Car Rental Agencies and MCC 7512 – Automobile Rental Agency.

About the programs

• The Vehicle Rental Merchant Flexible Extension Program allows you to clear and settle a previously authorized transaction when a cardholder extends their rental and you cannot obtain sufficient incremental authorizations for the revised amount. An estimated authorization at the start of the rental period is required.
• The Vehicle Rental Merchant Asset Protection Program allows you to use risk modeling to set the estimated authorization amount at car pickup, which may exceed the expected final amount. If the final amount is less than authorized, you must submit a reversal for the unused portion.

No registration is required.  Fees will apply automatically to transactions that meet program requirements.

Table – Visa New Car Rental Industry Program Pricing

^{Published July 15, 2026 | P2025.2509, P2025.1574, P2026.1679}

Please make sure to include the following required elements in all transaction receipts as outlined in the Visa rules:

• Payment Credential
• Authorization Code
• Card network/scheme name
• Description of goods or services
• Merchant, Marketplace, or Digital Wallet Operator (DWO) location
• Acquirer, Consumer Bill, Payment Services, DWO, Marketplace, or Merchant name
• Return and refund policies
• Transaction amount and transaction currency symbol
• Transaction date
• Transaction type
• Other details embossed on card

You may visit our Developer Center for information on where to access the complete list of required data elements and specifications.

^{Published August 14, 2026 | P2025.1785}

Effective July 25, 2026, Visa network tokens will be required in processing stored credential transactions identified as POS Entry Mode 10 (Credential on File).

Please make sure you or your payment processor support Visa Token Service directly or through a token requestor-token service provider. Compliance with Visa’s Merchant-Initiated Transaction framework is also required for recurring transactions or where applicable.

^{Published June 15, 2026 | P2024.2601}

Update: Effective July 1, 2026, Visa will expand the CP Token fee to the U.S. Virgin Islands and Puerto Rico, in addition to the U.S. and Guam. The rates remain the same. This fee will apply to specific authorization types below:

• U.S. Virgin Islands and Puerto Rico – Approved authorizations, refund authorizations, and reversals
• U.S. and Guam – Approved or declined authorizations, refund authorizations, and reversals

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

Table – Visa New CP Token Fee

^{Updated May 15, 2026 | P2025.3427
Published March 13, 2026 | P2025.1818a, P2025.1812b}

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 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}

Banque de France recommends merchants globally to enable 3DS authentication coverage for card-not-present transactions using cards issued in France. If you have not yet implemented measures for 3DS authentication, 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 requires the submission of Tag 9F7C, Customer Exclusive Data in the chip data tag of VisaNet contactless chip transactions, when present on a card or mobile device. Tag 9F7C enables loyalty, rewards, and personalized cardholder experiences through dynamic digital wallet updates.

Please visit our Developer Center for the complete specifications required to ensure your system is able to support the transmission of Tag 9F7C.

_{Published April 15, 2026 | P2026.0361}

Update: Visa revised the effective date for DCAP support of AFT token-based transactions in Guam to June 12, 2026, from April 17. In addition, the effective date for AFT token-based and PAN-based transactions in the other areas of the U.S. will be revised to October 23, 2026, from October 1, as reflected in the updated table below. 

Account Funding Transactions (AFTs) will be allowed by Visa to qualify for the Digital Commerce Authentication Program (DCAP) starting the following dates:

Table – DCAP Updated Effective Dates for AFTs

If you process authorization or clearing through a third-party service provider, please contact them to ensure they are able to meet Visa’s AFT authentication requirements for tokenized and PAN-based transactions on the effective dates specified above.

_{Updated July 15, 2026 | P2026.1618
Published April 15, 2026 | P2025.2358, P2025.2511}

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

Table – Visa Revised SIFs

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

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

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

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

On April 1, 2026, Visa will revise their Digital Commerce Services Fee (DCSF)¹ as shown in the table below. The DCSF will be charged on authorized card-not-present transactions, excluding account funding transactions (AFTs) and original credit transactions (OCTs).

Table – Visa Revised DCSF

^{1.     Formerly Digital Commerce Fee.}

^{Published March 13, 2026 | P2025.1818}

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

Businesses with an annual processing volume not exceeding $280,000 will qualify for the program. Changes in eligibility to the program may result in new interchange rates.

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

^{Published March 13, 2026 | P2026.0364}

Effective April 18, 2026, as part of the Digital Commerce Authentication Program (DCAP), Visa will introduce the DCAP Fee of 0.05% for DCAP-qualified consumer credit card-not-present transactions.

^{Published March 13, 2026 | P2025.1806a}

Starting April 17, 2026, Visa will make the following changes:

• Introduce the Visa Infinite Privilege Charge and Visa Ultra High Net Worth charge consumer products
• Expand the existing products Visa Infinite Charge, Visa Infinite Privilege Credit and Debit and Visa Ultra High Net Worth Credit and Debit products for issuance in additional regions as shown below

Table – New and Expanded Visa Infinite, Visa Infinite Privilege, and Visa Ultra High Net Worth products

Existing interregional interchange fee programs apply.

^{Published March 13, 2026 | P2025.2354}

Effective April 18, 2026, CNP transactions meeting Digital Commerce Authentication Program (DCAP) requirements will qualify for new consumer credit interchange incentive types as shown in table 1. The new rates per fee program are outlined in the tables below.

Table 1 – Visa New CNP Consumer Credit Interchange Types

Table 2 – Visa Advertising New CNP Consumer Credit Interchange Rates

Table 3 – Visa Small Merchant Advertising New CNP Consumer Credit Interchange Rates

Table 4 – Visa Charity and Religious Organizations New CNP Consumer Credit Interchange Rates

Table 5 – Visa Education New CNP Consumer Credit Interchange Rates

Table 6 – Visa Small Merchant Education New CNP Consumer Credit Interchange Rates

Table 7 – Visa Government New CNP Consumer Credit Interchange Rates

Table 8 – Visa Healthcare New CNP Consumer Credit Interchange Rates

Table 9 – Visa Small Merchant Healthcare New CNP Consumer Credit Interchange Rates

Table 10 – Visa Insurance New CNP Consumer Credit Interchange Rates

Table 11 – Visa Small Merchant Insurance New CNP Consumer Credit Interchange Rates

Table 12 – Visa Product 1 New CNP Consumer Credit Interchange Rates

Table 13 – Visa Small Merchant Product 1 New CNP Consumer Credit Interchange Rates

Table 14 – Visa Real Estate New CNP Consumer Credit Interchange Rates

Table 15 – Visa Small Merchant Real Estate New CNP Consumer Credit Interchange Rates

Table 16 – Visa Restaurant New CNP Consumer Credit Interchange Rates

Table 17 – Visa Small Merchant Restaurant New CNP Consumer Credit Interchange Rates

Table 18 – Visa Services New CNP Consumer Credit Interchange Rates

Table 19 – Visa Small Merchant Services New CNP Consumer Credit Interchange Rates

Table 20 – Visa Taxi New CNP Consumer Credit Interchange Rates

Table 21 – Visa Small Merchant Taxi New CNP Consumer Credit Interchange Rates

Table 22 – Visa Telecommunications and Cable (Recurring Payment) New CNP Consumer Credit Interchange Rates

Table 23 – Visa Small Merchant Telecommunications and Cable (Recurring Payment) New CNP Consumer Credit Interchange Rates

Table 24 – Visa Travel New CNP Consumer Credit Interchange Rates

_{Note: You may refer to the published communications "April 2026 - Changes to support the Digital Commerce Authentication Program keys in the U.S. and U.S. Territories" and "April 2026 – DCAP support for Account Funding Transactions in the U.S. and U.S. Territories."} 

^{Published March 13, 2026 | P2025.2400}

Effective April 1, 2026, Visa will modify their Non-Domestic Settlement Currency fee (VI Non-Dom CCY Stlmnt Fee) to 0.0025 USD, from 0.0010 USD. This fee applies to cross-border transactions settled in a currency different from the merchant’s domestic currency.

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

On April 17, 2026, Visa will remove Commercial Non-Travel Service Level 2 interchange categories applicable to Visa Business, Visa Corporate, and Visa Purchasing credit transactions shown below. Impacted transactions will be qualified to the next best fee program.

• U.S. Business Tier 1 – Level 2
• U.S. Business Tier 2 – Level 2
• U.S. Business Tier 3 – Level 2
• U.S. Business Tier 4 – Level 2
• U.S. Business Tier 5 – Level 2
• Corporate Card – Non-Travel Service, Level 2
• Purchasing Card – Non-Travel Service, Level 2

You may contact your JPMorganChase representative for more information on other available interchange categories. 

^{Published February 13, 2026 | P2025.2397}

On April 1, 2026, Visa will update the Digital Commerce Services Fee (DCSF) for domestic and cross-border transactions, as shown below. In addition, the Visa Digital Credential Updater (VDCU) fee for card‑not‑present (CNP) transactions will be included in the DCSF and will no longer be billed separately.

Table – Updated Visa DCSF

^{Note: The DCSF will be charged on authorized CNP transactions, excluding account funding transactions (AFTs) and original credit transactions (OCTs).}

^{Published February 13, 2026 | P2025.1812}

Update: To clarify, Visa will start identifying eligible transactions for DCAP on the following effective dates:

• April 17, 2026 – U.S. and Guam
• October 1, 2026 – Puerto Rico and U.S. Virgin Islands

The Digital Commerce Authentication Program (DCAP) is an optional program launched by Visa in order to enhance data sharing for customer-initiated card-not-present transactions. Participating in DCAP requires providing additional enhanced data through messages by Visa approved authentication solution (e.g. Visa Secure, 3DS or Visa Token Service).

With this, transactions eligible for the program will be identified by Visa starting on the effective dates mentioned above through the introduction of the new DCAP indicator. The indicator will be retained during authorization and returned in clearing.

If you process authorization or clearing through a third-party service provider, please contact them to ensure they meet Visa’s requirements.

^{Updated January 15, 2026 | P2025.0641, P2025.0642, P2025.2344
Published December 15, 2025 | P2025.0641, P2025.0642}

Effective April 2024, Visa will start charging a Payment Account Number (PAN) Pass Back Program fee of $0.02 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} 

Visa strongly recommends that merchants include the Original Transaction ID (OTID) in all PAN- and token‑based standing instruction merchant‑initiated transaction (MIT) authorization. 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 March 13, 2026 | P2025.3425}

On February 21, 2026, Visa will increase the permitted clearing variance from 20 to 30% for MCC 5812 – Eating Places and Restaurants and MCC 5814 – Fast Food Restaurants. Visa will also be adding MCC 5811 – Caterers to the same permitted clearing variance.

This update aims to reduce dispute risks should merchants need to process a final transaction amount with a clearing variance of more than 20%.

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

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

^{Published September 15, 2025 | P2025.2121}

By December 31, 2025, Visa will require full compliance to Visa Fleet 2.0 requirements. Please work with your service provider to ensure your software is updated accordingly.

In addition, merchants who accept Visa Fleet cards must provide enhanced data for Visa Fleet card transactions under the following merchant category codes (MCCs):

• MCC 4468—Marinas, Marine Service, and Supplies
• MCC 5499—Miscellaneous Food Stores—Convenience Stores and Specialty Markets
• MCC 5541—Service Stations (With or without Ancillary Services)
• MCC 5542—Automated Fuel Dispensers
• MCC 5983—Fuel Dealers—Fuel Oil, Wood, Coal, and Liquefied Petroleum

_{Note: MCC 5552 – Electric Vehicle Charging is currently excluded. Visa Fleet card transactions must provide both cardholder-supplied data and supplemental transaction data for these transactions.}

_{Published November 14, 2025 | P2024.2288}

Visa updated their Service Fee program to include the key changes below:

• Include MCC 4900—Utilities – Electric, Gas, Water, and Sanitary in the Service Fee program, in addition to the existing permitted MCCs:
  • MCC 8211—Elementary and Secondary Schools
  • MCC 8220—Colleges, Universities, Professional Schools, and Junior Colleges
  • MCC 8244—Business and Secretarial Schools
  • MCC 8249—Vocational and Trade Schools
  • MCC 9211—Court Costs, Including Alimony and Child Support
  • MCC 9222—Fines
  • MCC 9311—Tax Payments
  • MCC 9399—Government Services (Not Elsewhere Classified)

• Registration of or providing a Merchant Verification Value (MVV) is not required
• Government approval processing tax payments with a service fee is no longer necessary
• Payments and service fees can be processed in a single transaction, allowing you to select the most efficient processing method

_{Published December 15, 2025 | P2025.2465}

Update: Effective January 24, 2026, Visa will revise their Level 2 and Level 3 interchange rates for Visa Business cards, as shown in Tables 1-2.

Effective October 17, 2025, Visa will update their Commercial Enhanced Data Program (CEDP) criteria for small business and commercial transactions as follows:

• A new Level 3 interchange fee program and interchange rates will be introduced for Visa Business cards shown in Table 2
• The existing Level 3 interchange rates for Corporate, Purchasing, and Large Ticket (Non-GSA¹) cards will be revised as shown in Tables 3-4
• Qualification for the Level 3 interchange fee program will include a “Verified” status determined by Visa. Non-verified merchants, whose transactions received non-Level 3 interchange at deposit, may have their transactions adjusted to receive the Level 3 interchange rates if data quality submitted meets the CEDP data requirement and is confirmed valid by Visa

In addition, the existing CEDP fee of 0.05% will continue to be assessed for participating transactions.

Make sure to submit quality data that meets CEDP standards to qualify for the new Visa Business Credit Level 3 fee program and revised Level 3 interchange rates.

You may reach out to your JPMorganChase representative for more information.

Table 1 – Updated Visa Business Credit Level 2 Fee Program Interchange Rates

Table 2 – Updated Visa Business Credit Level 3 Fee Program Interchange Rates

Table 3 – Updated Visa Commercial Level 3 Fee Program Interchange Rates

Table 4 – Updated Visa Purchasing and Corporate Non-Travel Level 3 Fee Program Interchange Rates

<sub>1. General Services Administration
2. Fuel or Non-fuel Purchase</sub>

_{Updated December 15, 2025 | P2025.3117
Published September 15, 2025 | P2025.0692, P2025.0693}

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}

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

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

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

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}

Update: This change is only applicable to the U.S. Territories.

On October 1, 2025, Visa will increase their Commercial Choice (VCC¹) Travel fee for domestic credit, debit, prepaid, deferred debit, and charge transactions. This change does not affect intraregional and interregional VCC Travel transactions, and the rate remains the same.

Table – Visa Commercial Choice Travel Fee Update

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

_{Updated October 15, 2025 | P2025.2514
Published August 15, 2025 | P2025.1005}

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. Updated list show below.

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

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

<sup>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.</sup>

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

The advisory period for the Visa Acquirer Monitoring Program (VAMP) enhancements has been extended to September 30, 2025. During this period, you must continue to monitor fraud and dispute metrics and improve risk controls where necessary prior to the VAMP enforcement on October 1, 2025.

Avoid potential fines under VAMP by consulting your JPMorganChase representative for advice on risk improvement measures, and more information on Visa’s monitoring thresholds.

_{Published June 13, 2025 | P2025.0593}

Beginning September 1, 2025, a non-compliance fee of 0.08% 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 doing the following:

• Submit deposits within 10¹ days from authorization date. To get the best interchange rates, it is recommended to submit 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.

As a reminder, incremental authorizations are only allowed when the initial authorization is submitted as an estimated authorization. A 0.02% fee applies to estimated and incremental authorizations.

_{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.}

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

Visa modified their Custom Payment Service (CPS) Program to remove the transaction amount and MCC requirement from unattended terminals for the following interchange categories:

• CPS/Retail
• CPS/Restaurant
• CPS/Supermarket
• CPS/Retail Service Station
• CPS/Hotel – Card Present
• CPS/Car Rental – Card Present
• CPS/Passenger Transport – Card Present
• CPS/Retail Key Entry

^{Published September 15, 2025 | P2024.2008}

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}

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

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, beginning October 1, 2025.

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
• Conduct thorough analyses of chargebacks to yield insights on underlying causes of disputes

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

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 Key

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

Mastercard now requires all Authentication Requests (AReqs) to contain at least one fully populated, accurate field from each category: Cardholder Identifier, Address/Delivery, and Technical.

Effective October 13, 2026, Mastercard will also require support for approved Multi-Factor Authentication (MFA) methods under EMV 3DS, as OTP alone will no longer qualify.

What you need to do:

• If you authenticate 3DS through JPMorganChase, provide the cardholder’s complete and accurate billing and shipping address information. For full Mastercard specification requirements, visit the Payment Developer Portal.
• If you use a third party 3DS service provider, confirm that enhanced data fields are populated and required MFA methods and specifications are supported by your provider.

^{Published August 14, 2026 | P2026.0334}

Mastercard’s Low Risk Validation (LRV) within Mastercard Identity Check (EMV 3-D Secure/3DS) is now available to e-commerce merchants globally¹.

LRV is an e-commerce authentication flow that uses token data, enhanced data, and Smart Authentication risk scoring to reduce unnecessary step-up (challenge), helping improve approval rates and lower fraud.

Fraud liability considerations

• When the issuing bank accepts LRV (ECI = 06, AAV leading indicator = kN, SLI = 216), liability remains with the merchant (no 3DS liability shift)

• When the issuing bank challenges the transaction, liability shifts to the issuer under the standard 3DS challenge flow

What you need to do

To participate in LRV, you must ensure authentication requests meet Mastercard's minimum Enhanced Data Standards by including at least one fully populated and accurate field within the cardholder identifier, address/delivery, and technical data field categories (unless prohibited by local regulation).

Next steps

• If you use a third-party 3DS provider, confirm LRV capability and required data field support with your provider
• If you authenticate 3DS through JPMorganChase, please contact your JPMorganChase representative for more details

^{1. Except in Europe where Mastercard uses Transaction Risk Analysis (TRA) Exemption for risk-based authentication, allowing issuers to challenge only the highest-risk transactions.}

^{Published August 14, 2026 | P2026.1229}

Mastercard has enabled payment passkeys as a multi-factor authentication (MFA) option during EMV 3DS browser-based challenge transactions under the Identity Check (IDC) program. Cardholders may already have a passkey set up from other experiences, such as Token Authentication Service (TAS) flows or their card’s banking app or website. 

Please contact your payment service provider or 3DS provider to confirm that your integration supports Mastercard passkeys and update your configuration if needed.

^{Published August 14, 2026 | P2026.0838}

Mastercard’s Transaction Link Identifier (TLID) is a 22-character unique identifier assigned to every new transaction (e.g. aRyU-3Ti981f_6WvBaqM03). It is used to track and link related transaction activities across multiple stages over time.

Starting December 1, 2026, deposit transactions will be considered non-compliant if the TLID is missing or incorrect so make sure to retain and use the TLID in all subsequent related transactions. Mastercard will continue to support Trace ID, Banknet reference number, and switch serial number until further notice.

For complete TLID specifications, please visit the Developer Center.

^{Published July 15, 2026 | P2024.0472}

On July 1, 2026, Mastercard will introduce the Mastercom Clarity Deflection Fee of $8.50 per deflected dispute claim. A dispute is considered deflected when the issuer receives Ethoca data and does not proceed with a chargeback within the required time frame.

This fee applies if:

• You are subscribed to the Ethoca Consumer Clarity Call Center, and
• Enriched transaction and merchant details are provided to Mastercard and made available to card issuers before a chargeback is created, and
• No chargeback is filed by the issuer within 120 days from the transaction date.

Please contact Ethoca Customer Service at customerservice@ethoca.com if you have questions or need support.

^{Published June 15, 2026 | P2026.0162, P2026.0167, P2026.0230}

On July 1, 2026, Mastercard will introduce domestic interchange rates for consumer credit product codes MWJ: Mastercard World Legend and GCP: Mastercard Installments Card Premium, as shown below.

Table – Mastercard New Domestic Interchange Rates

^{Published June 1, 2026 | P2026.0687, P2026.0692}

Mastercard’s First-Party Trust Program lets you prove a cardholder authorized a disputed transaction (Reason Code 4837: No Cardholder Authorization) for Dual Message System e-commerce transactions.

How the Program Works

• When a transaction is disputed, you can submit data from at least two previous, non-fraud transactions along with the disputed transaction.
• If the disputed transaction matches the historical legitimate transactions, you may avoid chargebacks, subject to program terms and conditions.

How to Submit Evidence

• Use Identity Check Insights (during pre-authorization)
• Use Ethoca Consumer Clarity (when a dispute is raised)

To enroll or learn more, please contact Mastercard or Ethoca at:

• First-Party Trust Program – first.party.trust@mastercard.com
• Ethoca Consumer Clarity – customerservice@ethoca.com
• Identity Check Integrations – digital.identity.solutions.support@mastercard.com

Participation in this program is optional.

^{Published June 15, 2026 | P2025.1706u1}

Update: Mastercard changed the Specialty Merchant Transaction and Volume Fees start dates for specific MCCs as shown in Table 1.

Mastercard will make the following changes applicable to the list of MCCs shown inTable 1 as well as merchants registered as “Specialty Merchant”:

• May 1, 2026 – Update the Specialty Merchants Annual Registration Program Fee to $1,000 from $500.
• June 3, 2026 – Introduce Specialty Merchant Transaction and Volume Fees detailed in Table 2. These fees do not apply to funding transactions populated with a transaction type indicator or Business Application Identifier.

Please reach out to your JPMorganChase representative for more information on the registration requirements.

Table 1 – Revised Mastercard Effective Dates for Specialty Merchant Transaction and Volume Fees for Specialty Merchant Program MCCs

Table 2 – Mastercard New Specialty Merchant Transaction and Volume Fees

<sub>1. Dual message system clearing transaction
2. Single message system authorization transaction</sub>

_{Updated June 15, 2026 | P2025.2880u2, P2025.2882u2, P2026.0218u2
Published April 15, 2026 | P2025.2880, P2025.2882, P2026.0218}

Effective June 29, 2026, Mastercard will make the following changes:

• The Authorization Optimizer fee will be modified as shown in the table below
• The fee will now apply to declined card-not-present (CNP) recurring transactions with Merchant Advice Codes (MACs) 24-30

Table  – Modified Mastercard Authorization Optimizer Fee

Authorization Optimizer Fee Criteria:

The fee will apply to declined CNP recurring transactions that have any of the following decline response code and MACs listed below:

• Decline Response Code
  • 51 – Insufficient fund
• MACs
  • 24 – Retry after 1 hour
  • 25 – Retry after 24 hours
  • 26 – Retry after 2 days
  • 27 – Retry after 4 days
  • 28 – Retry after 6 days
  • 29 – Retry after 8 days
  • 30 – Retry after 10 days

The Authorization Optimizer fee will continue to apply to declined CNP transactions (excluding mail order/telephone order) that have any of the following decline response codes and MACs listed below:

• Decline Response Codes
  • 79 – Lifecycle
  • 82 – Policy
  • 83 – Security
• MACs
  • 01 – Updated/additional information needed
  • 03 – Do not try again

^{Published May 15, 2026 | P2026.0738}

Effective June 2, 2026, for merchants in states that prohibit MCC 5723 (Firearms and Ammunition), Mastercard will send MCC 5941 (Sporting Goods Stores) instead in the authorization and clearing messages if MCC 5723 is incorrectly submitted by the bank. All related lifecycle messages will also show MCC 5941.

_{Published April 15, 2026 | P2025.2773}

On May 15, 2026, Mastercard will introduce a Fallback Avoidance Fee (MC Acq Fallback Txn Fee and MC Db Acq Fallback Txn Fee) of 0.10%. This fee will apply to authorization transactions with Mastercard, Debit Mastercard, and Maestro cards, specifically when a chip card is used at a chip-enabled terminal but the transaction is processed using the magnetic stripe instead of the chip (known as a fallback transaction).

To avoid this fee, make sure your terminals are equipped to process chip transactions whenever possible.

_{Published April 15, 2026 | P2025.2790}

On May 24, 2026, domestic Mastercard MoneySend Person-to-Person (P2P) and Transfer to Own Account (A2A) fees will be updated as shown below.

Table – Updated Mastercard MoneySend P2P and A2A Fees

_{Published April 15, 2026 | P2025.2273}

Update: Rates for Guam effective May 1, 2026 are now available in Table 3.

Mastercard will assess fees for Force Post transactions (deposit transactions submitted without an approved authorization). Please make sure all transactions are approved and authorized to prevent the fees shown in the table.

The fees do not apply to:

• Collections-only processing
• Rebates
• Airline transactions
• Reversal transactions
• Bridged transactions
• Aggregated transit transactions
• Merchant and acquirer funded installments
• Permitted exceptions: additional information on permitted exceptions is found in Section 5.11.3, “Obtain an Authorization,” of the Mastercard Rules and Section 3.3, “Obtaining an Authorization,” of the Transaction Processing Rules (for the U.S. Virgin Islands &Puerto Rico, and Guam only)

Table 1 – Mastercard Force Post Transaction Fees in the U.S.

Table 2 – Mastercard Force Post Transaction Fees in the U.S. Virgin Islands and Puerto Rico

Table 3 – Mastercard Force Post Transaction Fees in Guam

_{Updated April 15, 2026 | P2024.2400
Published March 13, 2026 | P2025.2726, P2024.2401}

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}

Update: Mastercard will make the following changes to their Flex Program.

• April 17, 2026 – Remove the 0.1% program fee per settled transaction
• October 24, 2026 – Apply interchange rates for new product codes WAZ, WBA, WBB, WBC, WBD, WBF, WBG, WBH, WBI, WBJ, and WBK, as updated in Table 2. All other rates remain the same

On April 17, 2026, Mastercard will include Guam in the Mastercard Flex Program, in addition to the U.S., U.S. Virgin Islands, and Puerto Rico. The product codes and interchange rates for the program will remain the same as shown in Tables 1 and 2.

Table 1 – Mastercard Commercial Credit Interchange Program Product Codes

Table 2 – Mastercard Updated Flex Program Interchange Rates

_{1. Interchange rates for WBL will be announced at a later date.}

_{Updated April 15, 2026 | P2026.0777, P2026.0763, P2026.0766, P2026.0466
Published February 13, 2026 | P2025.2073, P2025.2061, P2025.224}

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.

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

Starting April 17, 2026, Mastercard will no longer allow full primary account numbers (FPAN) to appear in any document used for disputes. With this, merchants should NOT upload documents for Mastercard containing the FPAN, as this would violate Mastercard rules and may result in fines or additional fees. This rule also applies if the same document is sent again in a later¹ dispute and still shows the FPAN.

To avoid the violation, merchants should only show the last four digits of the card number in any document. Here are some ways to mask the rest of the numbers to ensure that the FPAN cannot be read or reconstructed:

• 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 fee will be assessed.}

^{Published February 13, 2026 | P2025.1932}

Starting March 31, 2026, Mastercard will update their processing requirements for outbound transactions made with Mainland China-issued cards as outlined in the tables below.

These changes are designed to comply with Mainland China’s regulatory standards and may impact how certain transactions are processed. Expect these changes to be enforced at both the authorization request stage and the clearing stage.

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}

On February 1, 2026, Mastercard will introduce the Credential Continuity Program fee of $0.09 for each recurring payment authorization processed with outdated cardholder credential.

To avoid fees, please ensure to use the most updated account information for recurring payment authorizations. Account updates are available through Mastercard Automatic Billing Updater or by proactively contacting the cardholder before processing the recurring payment transaction.

^{Published January 15, 2026 | P2025.2045}

Mastercard made the following changes in assessing their mail order/telephone order (MOTO) fee last January 5, 2026 for the U.S, U.S. Virgin Islands, and Puerto Rico, and on April 6, 2026 for Guam.

• Assess the fee based on authorization volumes (both approved and declined). Currently assessed on cleared volumes (approved payments)
• Introduce a fee cap on declined transactions. Fee rate remains the same.

Table 1 – Mastercard Updated MOTO Fees in the U.S.

Table 2 – Mastercard Updated MOTO Fees in the U.S. Virgin Islands, Puerto Rico, and Guam

This fee does not apply to

• Payment transactions (including Mastercard Send Payment Transactions)
• Transactions that qualify for Mastercard Wholesale Travel Program
• Collection-only processing
• Refund authorization transactions
• Authorization reversals
• AFT funding transactions
• Account verification transactions
• Forced deposit transactions

^{Published January 15, 2026 | P2025.2234, P2025.2256, P2025.2679}

Mastercard is no longer requiring merchants to collect CVC 2 data for all card-not-present authenticated transactions. You may refer to the table for guidance on transaction authentication.

Table – Mastercard Expected Merchant Action During Authorization

^{Published January 15, 2026 | P2023.2190u1, P2023.2190a}

On January 1, 2026, Mastercard will no longer include the same amount condition in a transaction as an amendment to their Merchant Advice Code (MAC) Transaction Processing Excellence criteria. The $0.50 fee remains the same, and 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
• Made on the same card at the same merchant, within the past 30 days, regardless of the transaction amount.

_{Published November 14, 2025 | P2025.0835, P2025.0864, and P2024.2560}

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

^{Published September 15, 2025 | P2025.1973}

On January 1, 2026, Mastercard will increase the Credential Continuity Program Fee to $0.09 from $0.03 for each recurring payment authorization processed with outdated cardholder credentials.

To avoid fees, please ensure to use the most updated account information for recurring payment authorizations. Account updates are available through Mastercard Automatic Billing Updater or by proactively contacting the cardholder before processing the recurring payment transaction.

_{Published July 15, 2025 | P2025.0827}

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}

Mastercard advises merchants to ensure that PIN entry bypass is disabled or removed from all payment terminals, regardless of card brand (either Mastercard or Maestro) unless specifically required by regulatory mandates or banking association guidelines.

This suggestion is to help enhance cardholder security and reduce the risk of fraud from lost or stolen cards and helps protect cardholders from unauthorized transactions to maintain a secure payment environment.

_{Published November 14, 2025 | P2025.2304}

On October 18, 2025, Mastercard will modify the Variable Interchange Program (VIP) rates shown below.

Table – Modified Mastercard VIP Rates for Commercial Transactions

_{Published October 15, 2025 | P2025.2275}

On October 18, 2025, Mastercard will introduce below nterchange rates for the Mastercard Wholesale Travel Program (MWP) for global and intraregional transactions in the U.S. region.

Table 1 – Mastercard Wholesale Travel Global Interchange Rates

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

^{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: