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} 

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.}

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

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}

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}

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}

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

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

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

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

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

1.    Transaction not supported/blocked by Issuer.

2.    Blocked by cardholder/contact cardholder.

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

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

On April 15, 2025, Visa will activate 3-D Secure (3DS) server service providers of acquired merchants to receive the Visa Protect Authentication Intelligence (VPAI) score, formerly known as the Visa Risk Based Authentication Score. The VPAI score can help you manage fraud risk by providing more data for analysis and simplifying the checkout process for low-risk customers.

Please contact your 3DS server service providers to learn how to use and access the VPAI score to your advantage.

_{Published April 15, 2025 | P2025.0396}

On April 15, 2025, Visa will activate 3-D Secure (3DS) servers for merchants to receive the Visa Protect Authentication Intelligence (VPAI) score in authentication response messages for Visa Data Only (VDO) authentication requests.

VDO is an information-only authentication data exchange between the merchant and card-issuer through Visa Secure messages wherein complete authentication is not performed for VDO transactions, which makes merchants unaware of the risk level of the data they supply. The VPAI score, formerly known as the Visa Risk Based Authentication Score can help you manage fraud risk by providing more data for analysis and simplifying the checkout process for low-risk customers.

Please contact your 3DS server service providers to learn how to access and use the VPAI score to your advantage.

_{Published April 15, 2025 | P2025.0395}

Effective April 11, 2025, Visa will update merchant eligibility for their Small Merchant Consumer Credit Interchange Program as part of the program’s annual review. 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, which you will see in your April 2025 billing statement.

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

_{Published March 14, 2025 | P2025.0265}

On April 12, 2025, Visa will introduce the Commercial Enhanced Data Program fee (VISA CEDP FEE) of 0.05%, which will apply to qualified Small Business and Commercial Level 2, Level 3 and Large Ticket (Non-GSA) transactions.

_{Published March 14, 2025 | P2024.1937a}

Effective April 1, 2025, Visa’s Original Credit Transactions (OCT) fee will be updated.

Table – Visa Original Credit Transactions Fee

_{1. Rate per transaction.}

_{Published January 10, 2025 | P2024.1765}

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

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

Last April 15, 2023, Visa implemented the following limits and fee to their Automated Fuel Dispenser (AFD) authorizations:

• Status check authorization limit: $175 for non-fleet card transactions; $1,000 for fleet card transactions
• Real-time pre-authorization limit: $500 for non-fleet card transactions; $1,000 for fleet card transactions
• Partial Authorization Non-Participation Fee: a $0.01 fee will be assess on all AFD authorization request messages that do not support partial authorization responses

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

_{Republished December 13, 2024 | P2022.1437a}
Published March 15, 2023 | P2022.1437

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 tokenized standing instruction merchant-initiated transactions (MIT) listed below, sent with a newly generated device token. 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 14, 2024 | P2024.0093
Updated December 15, 2023 | P2023.2173
Published August 15, 2023 | P2021.1143a}

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

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

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

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

On January 1, 2025, Visa will increase their Misuse of Authorization System fee (VI Misuse of Auth Fee) to $0.153 from $0.093. This fee will be assessed on transactions that do not follow proper authorization procedures, including timely reversals and clearing within the specified timeframe.

_{Published December 13, 2024 | P2024.1860}

Starting January 1, 2025, Visa will update their Base II Transmission fee to $0.0025 from $0.0018.

_{Published November 15, 2024 | P2024.1850}

On January 1, 2025, Visa will apply the assessment of the existing Digital Commerce Services Fee (DCSF) to both approved and declined authorized transactions including account verifications rather than clearing and settlement.

The current DCSF rate of 0.0075% on all card-not-present (CNP) transactions, with a minimum of $0.0075 per transaction remains the same.

_{Published November 15, 2024 | P2024.1859}

On November 9, 2024, Visa updated their premium consumer credit interchange reimbursement fee for domestic transactions for the following products:

• Visa Platinum
• Visa Signature
• Visa Signature Preferred
• Visa Infinite

Table 1 – Visa Emerging and Small Ticket – Utilities, Discount Clubs, and General Industry Interchange Programs

Table 2 – Visa Retail 1¹ Interchange Program

Table 3 – Visa Retail 2 (All Other Sectors) Interchange Program

Table 4 – Visa Standard Interchange Program

_{1. Includes Car Rental, Hotels, Travel Agencies, Telemarketing, Furniture, Hardware stores, Electronics, Jewelry, and Gambling sectors.}

_{Published November 15, 2024 | P2024.1909}

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

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

On October 18, 2024, Visa will introduce the Visa Installment Credential Standard credit product, enabling domestic and international installment payments at virtual or physical environments. The new interchange rates are outlined below.

Table – Visa Installment Credential Standard Credit Product Fees

_{Published August 15, 2024 | P2024.0634}

Update: Visa delayed the assessment of their Processing Integrity Program fees for Guam to October 1, 2024. The first billing is in October 2024. Visa also added a list of exempted MCCs.

Visa has moved the effective date of their Processing Integrity Program for Puerto Rico and the U.S. Virgin Islands to April 25, 2024. These fees will also apply to Guam effective April 1, 2024. The first billing will be in June 2024.

Visa will begin monitoring their Processing Integrity Program with the introduction of fees listed in the table below. These fees will be assessed for domestic and international transactions that are not authorized, reversed, or cleared as required. 

Table – Visa Processing Integrity Fees

The following MCCs are exempted from the Processing Integrity Program:

• MCC 3000 – 3500 – Airlines
  
• MCC 4111 – Local and Suburban Commuter Passenger Transportation, Including Ferries
• MCC 4112 – Passenger Railways
• MCC 4121 – Taxicabs and Limousines
• MCC 4131 – Bus Lines
• MCC 4511 – Airlines and Air Carriers (Not Elsewhere Classified)
• MCC 4784 – Tolls and Bridge Fees
• MCC 7523 – Parking Lots, Parking Meters, and Garages

_{Updated October 15, 2024 | P2024.1830
Updated October 13, 2023 | P2023.0154
Published April 14, 2023}

On October 1, 2024, Visa’s Address Verification Service fee and Account Name Inquiry fee will be revised to 0.010 USD from 0.005 USD per usable result received including full match, partial match (street address or zip/postal code), or no match.

_{Published August 15, 2024 | P2024.1161}

Effective October 18, 2024, Visa will introduce a new Small Merchant Supermarket fee program that will apply to Visa consumer credit transactions that meet card-present CPS¹ qualification from eligible merchants.

Transactions with a surcharge amount or transaction fee amount greater than zero are not eligible for this fee program.

Table – Visa New Small Merchant Supermarket Fee Program

_{1. Custom Payment Service.}

_{Published September 13, 2024 | P2024.1210}

Starting October 20, 2024, Visa’s Reporting and Data Transfer Fee will be changed to $0.0004 from $0.0002.

_{Published September 13, 2024}

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

Table 1 – Visa Commercial Choice Travel Program New Interchange Rates

Table 2 – Visa Commercial Omni Program New Interchange Rates

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

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

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

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

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

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

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

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

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

Table – Visa Required Common Data Elements in Clearing Transactions

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

_{Updated September 13, 2024 | P2024.0623
Published July 15, 2024 | P2023.2332, P2023.2103, P2023.2050, P2023.1842, P2023.2096, P2024.0395, P2024.0623, P2023.2420}

Effective October 18, 2024, Visa will increase the maximum transaction amount of their fleet credit products to $1,000 from $500 to qualify for the Custom Payment Service (CPS)/Automated Fuel Dispenser (AFD) fee program.

Other card products must continue to have a final transaction amount of $500 or less to be eligible for the CPS/AFD fee program.

_{Published August 15, 2024 | P2024.0679, P2023.1081f}

On October 18, 2024, Visa will introduce new Commercial Fee Programs for Visa Corporate and Visa Purchasing credit transactions with Level 2 and Level 3 data applicable to MCCs listed in Table 2.

Table 1 – Preliminary Qualifications for the New Visa Commercial Fee Programs for Corporate and Purchasing Credit Transactions

Table 2 – Visa Fuel/Fleet Merchant Category Codes

To make sure transactions qualify for these new programs and avoid possible compliance fees, visit our Developer Center for the complete requirements and technical specifications.

<sub>1. Single Fuel purchase transactions are not eligible for Level 3 Fee programs.
2. Non-fuel transactions are not eligible for the new Commercial Fuel Level 2 Fee program, may qualify for existing non T&E Level 2 Fee programs as applicable based on card type.</sub>

_{Published August 15, 2024 | P2024.0678}

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

• New options for existing data fields and sub-fields to support Payment Services Directive 2 (PSD2) strong customer authentication exemptions, recurring payments and token data
• Decoupled authentication fallback, where the issuer may prompt the cardholder to authenticate at a later time in cases where the initial authentication could not occur
• Improvements to the Out-of-Band (OOB) challenge flow, including a redirect from the merchant app to the authentication app
• Split Software Development Kit (SDK) enhancements and additional parameters for SDK device information
• Changes to the UI/UX requirements for a refined cardholder experience
• Web Authentication (WebAuthn) and Secure Payment Confirmation (SPC), built on the Fast Identity Online (FIDOTM) standard, which introduces a streamlined authentication method during the payment transaction process on the web
• Updates to the Preparation Request (PReq)/Preparation Response (PRes) messages

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

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

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

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

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

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

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

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

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

_{Published June 14, 2023 | P2022.1505; P2023.1557; P2024.1780}

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

Effective August 12, 2024, Visa will require you to provide the following data fields in 3DS authentication request messages:

Table 1 – Visa EMV 3DS Minimum Data Requirements

If local data privacy regulations prohibit the data from being shared, the minimum data requirements do not apply.

Visa also continues to recommend e-commerce merchants to  provide all 12 of the following data fields:

Table 2 – Visa EMV 3DS Recommended Data Requirements

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

Update: Visa extended their Visa Flexible Credential (VFC) service, formerly known as Visa Multiple Account Access Service (VMAAS) to Guam.

On April 12, 2024, Visa will introduce the Visa Multiple Account Access Service (VMAAS) which will enable cardholders to access multiple funding sources from the same card issuer, through a single Visa credential.

Please visit our Developer Center for the complete specifications related on VMAAS.

_{Updated April 15, 2025 | P2024.1958
Published March 15, 2024 | P2023.2062}

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}

Mastercard will introduce a 0.10% Non-Local Currency fee on October 13, 2025. This applies when merchants choose to settle transactions in a currency other than their domestic currency.

_{Published August 15, 2025 | P2025.0100, P2025.0101}

On October 18, 2025, Mastercard will modify their 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:

• Transactions should be 3DS authenticated, or
• Transactions 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

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

On October 13, 2025, Mastercard will update their Wholesale Travel Program by introducing a separate acquiring fee of 0.25% for domestic transactions. The current global assessment fee will not be applied to domestic transactions.

_{Published July 15, 2025 | P2025.0832}

On October 17, 2025, Mastercard will implement the new product codes shown in the below. These will be used for transactions between different regions in the U.S., and not for transactions within the same region.

Table – Mastercard New Interchange Product and Rate Codes for IRD BU

_{Published July 15, 2025 | P2025.0819}

On October 18, 2025, Mastercard will revise their interchange rate structure for intraregional transactions in Puerto Rico and the U.S. Virgin Islands.

Table – Updated Mastercard Intraregional Interchange Rates

_{Published July 15, 2025 | P2025.0180}

On October 17, 2025, Mastercard will introduce their World Select intraregional  interchange rates for consumer credit transactions as shown below.

Table – Mastercard World Select Interchange Rates

_{Published July 15, 2025 | P2025.1065}

On October 18, 2025, Mastercard will modify their interchange rate structure for intraregional transactions as shown below.

Table – Updated Mastercard Intraregional Consumer Interchange Rates

_{Published June 13, 2025 | P2025.0179}

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 new rate codes for card-not-present (CNP) standard consumer transactions, shown below, to separate it from card-present transactions. The existing rate codes and rates for card-present transactions remain the same.

Table – New Mastercard Rate Codes for Card-Not-Present Standard Consumer Domestic Transactions

_{Published August 15, 2025 | P2025.0342}

Effective July 14, 2025, Mastercard will update their Digital Enablement Fee criteria for card-not-present transactions as follows:

• Include Financial Declines due to Insufficient Funds, which was previously excluded
• Remove the current max cap of $0.40 for transactions greater than or equal to $1,000.00
• Revise applicable fees for certain transaction values, as shown below

Table – Revised Mastercard Digital Enablement Fee

_{Published June 13, 2025 | P2025.0789}

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

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

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

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

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

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

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

On June 3, 2025, Mastercard will introduce the following new decline response code values:

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).

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

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

On May 11, 2025, the Mastercard Connectivity Fee will be updated to $0.0020 per transaction from $0.0016 previously. This fee is based on data usage for both authorizations and deposit transactions.

_{Published April 15, 2025}

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

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

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

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

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

Table – New Mastercard Requirements for DIMP Travel Addendum Data

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

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

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

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

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

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

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

On April 12, 2025, Mastercard will modify the Variable Interchange Program (VIP) rate for MasterCard B2B VIP Rate 9 – MVI to 2.95% + $0.10 from 1.20% + $60.00. This applies to transactions processed by Chase in the U.S. and initiated with a card issued in the U.S. region.

_{Published March 14, 2025 | P2025.0303}

On April 1, 2025, Mastercard will increase the Credential Continuity Program Fee to $0.09 from $0.03 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 March 14, 2025 | P2025.0404}

On April 12, 2025, Mastercard’s Flex Program, together with new product codes and interchange rates will be put into effect. This is a global commercial credit program that will help businesses expedite business-to-business (B2B) payments with convenience and security through Virtual Card Number (VCN) technology. The program fee is 0.1% per settled transaction and is effective starting 14 April 2025. Interchange rates will also apply under this new program, shown in Table 4.

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

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

Table 1 – Mastercard Commercial B2B Interchange Program Product Codes

Table 2 – Mastercard Flex Program Supported Countries

Table 3 – Mastercard Flex Program Country Transaction Threshold

Table 4 – Mastercard Flex Program Interchange Rates

Table 5 – Mastercard Flex Program Decline Reason Codes

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

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

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

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

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

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

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

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

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

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

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

Table – Mastercard updated second presentment file requirement

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

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

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

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

Update: Mastercard moved the effective date for this update to April 30, 2025 from April 23.

On April 23, 2025, Mastercard will replace the device type value or form factor for Virtual Reality headset, headsets, or glasses to 34 from 99.

The Virtual Reality Headset device type/form factor is now supported by Mastercard Digital Enablement Service (MDES). Please visit our Developer Center for the complete specifications.

_{Updated May 15, 2025 | P2023.2426u2
Updated March 14, 2025 | P2023.2426a
Published March 15, 2024 | P2023.2426}

Mastercard will reject transactions based on the conditions described below.

Table – Mastercard Rejections on Unapproved Authorizations and Force Deposits

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

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

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

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

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

On March 17, 2025, the following interchange rates will be updated.

Table – Updated Mastercard Interchange Rates

_{Published February 14, 2025}

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

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

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

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

Mastercard is clarifying procedures for contactless transit aggregated transactions, which occur when:

• A Mastercard or Debit Mastercard contactless-enabled card or contactless payment device is tapped one or more times at the point of entry to a transit system during a 24-hour period (the tap aggregation period), and
• The taps are combined into a total transaction amount, then submitted for authorization on a deferred basis

Transit merchants must follow these guidelines:

• Account Verification (VF) transactions must not include a cryptogram or track data. If sent, the transaction will be considered non-compliant with potential declines/rejects. Instead, retain the cryptogram and track data from the VF transaction to submit in the End of Day Authorization or Conditional Deposit
• For the End of Day Authorization or Conditional Deposit:
  • If there is only one tap during the aggregation period, submit the retained cryptogram and track data from the initial tap (VF)
  • If there are multiple taps (rides taken), submit the cryptogram and track data from the last tap for the combined total amount of taps during the aggregation period

Specifications will be published at a later date.

_{Published February 14, 2025 | P2024.1337}

On January 6, 2025, Mastercard will introduce pricing for the Authorization Optimizer Service, previously known as Decline Reason Code Service. This pricing will be applicable to card-not-present (CNP) declined transactions and aims to improve insights on how and when to resubmit requests for authorization.

This fee will be charged when a declined CNP transaction meets all of the following conditions:

• Mastercard decline reason code is equal to 79 (Lifecycle) or 82 (Policy) or 83 (Security)
• Mastercard-provided Merchant Advice Code (MAC) is equal to 01 (Updated/additional information needed), 03 (Do not try again) or any MAC from 24 to 30

OR when a declined CNP recurring transaction meets the following conditions:

• Mastercard decline reason code is equal to 51 (Insufficient Fund)
• Mastercard-provided MAC is any from 24 to 30

Table – Mastercard Authorization Optimizer Service Fees

_{Published November 15, 2024 | P2024.1241, P2024.1067}

On January 1, 2025, Mastercard will update their Transaction Processing Excellence (TPE) Program fee. This fee is assessed for each additional declined authorization attempt over the following thresholds:

• 10 previously-declined attempts on the same card and same merchant within a 24-hour period; and,
• 35 declined attempts on the same account number, card acceptor and for the same amount within a 30-day period

Unique declines within a 24-hour period count towards the 30-day period threshold.

Table – Mastercard Excessive Authorization Attempts TPE Program Fee Change

_{Published September 13, 2024 | P2022.0594b}

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

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

Update: Refunds to commercial card account transactions are excluded from the online authorization requirement.

Effective October 18, 2024, Mastercard will require an online authorization for all refund transactions submitted for clearing.This excludes refunds conducted by airlines (MCCs 3000 through 3350 and MCC 4511) and contactless aggregated transit transaction refunds.

From November 1, 2024, this requirement will be included in Mastercard’s Data Integrity Monitoring Program and will help ensure that all refund transactions submitted for clearing contain the proper transaction data needed for issuers to link to corresponding refund authorizations.

_{Updated June 13, 2025 | P2025.0302
Published July 15, 2024 | P2024.0493}

Effective October 18, 2024, Mastercard will revise their standards to prohibit credit card issuers from generating a cardholder dispute chargeback for automated fuel dispenser (AFD) transactions for chargeback reason code 4853 – Defective/Not as Described. This revised chargeback standard will apply to Mastercard transactions that occur at AFDs properly identified with card acceptor business code (MCC) 5542 (Fuel Dispenser, Automated).

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

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

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

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

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

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

Effective September 2, 2024, Mastercard will increase their Nominal Amount Authorization Transaction Processing Excellence (TPE) fee to $0.100 from $0.045. This applies to card-not-present transactions sent for authorization, approved, and reversed within 48 hours of the request with an equivalent amount of up to $1.00.

Mastercard will change the qualification criteria to apply this fee to transactions with an equivalent amount of up to $2.00 on January 1, 2025.

To avoid this fee, you may use Account Status Inquiry instead of sending transaction with nominal amount to validate card status.

_{Published July 15, 2024 | P2024.0879}

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

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

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

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

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

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

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

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

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

On April 11, 2025, American Express will revise their interchange rate for insurance industries.

Table – American Express Revised Interchange Rates

_{Published January 10, 2025 | P2024.2159}

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

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

On October 18, 2024, American Express will update their Utilities industry interchange rates listed below.

Table – American Express Utility Industries

_{Published July 15, 2024 | P2024.0759}

Starting October 1, 2024, American Express will no longer accept transactions using SafeKey 2.1. For continued Fraud Liability Shift benefits, please contact your 3DS service provider to make sure you are using SafeKey version 2.2 or higher.

_{Published July 15, 2024 | P2023.0890}

Discover’s D-Payment Application Specification (D-PAS) 1408-bit Certificate Authority (CA) Production public key has expired. This public key should not be loaded on your point-of-sales (POS) devices deployed on and after December 31, 2024.

In addition, CA Production public keys must be removed from all POS devices by June 30, 2025.

Please reach out to your POS service provider to ensure that all terminals supporting Offline Data Authentication or Offline Enciphered PIN is compliant with the requirements above.

_{Published February 14, 2025 | P2023.1014}

On April 11, 2025, Discover will implement a new requirement for debt repayment transactions. The payment indicator “D” must be included in authorization, authorization reversal, and clearing requests. Additionally, Discover will decline  debt repayment authorization requests for credit card and non-reloadable prepaid card transactions submitted under Merchant Category Code 6051, 6012.

To ensure compliance and prevent interchange reclassification, please visit our Developer Center for complete specifications.

_{Published March 14, 2025 | P2024.0723, P2024.0742}

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

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

On January 24, 2025, Discover will allow merchants to accept reloadable prepaid cards for debt repayment and assess fees based on the table below. The following MCCs are eligible to accept prepaid cards for debt repayments:

• MCC 6012 – Member Financial Institution – Merchandise/Services
• MCC 6051 – Quasi Cash – Merchant

Table – Discover Debt Repayment Interchange Fees

_{Published November 15, 2024 | P19Q4.428}

Effective October 18, 2024, all cards bearing a UnionPay Acceptance Mark will include the following distinctive features for card security:

• 16 to 19 card number digits starting with:
  • 622126 – 623796
  • 624 – 626
  • 6282 – 6288
  • 8100 – 8171
• Clear, uniformly sized and spaced embossed digits on the card
• Embossed or printed expiration date appears in MM/YY, indicating the last month and year the card is valid
• A printed “Valid Thru,” “Valid From,” “Expiration date,” or “Good Thru” beside the expiration date
• A magnetic strip that may also have an integrated circuit chip
• A three-dimensional holographic image of the Heaven Temple, with Chinese characters in the background of the front of the credit card which reflects light when rotated
• An embossed “Valid Thru” and the cardholder name (which may not be in English) on the front of the card
• Card identification numbers on the upper right corner of the signature panel
• Either a printed or an embossed card number, expiration date, cardholder name (if applicable) and other personalization data (if applicable) on the reverse side of the card

_{Note: Texts on cards bearing the UnionPay Acceptance Mark may not be in English.}

_{Published September 13, 2024 | P2024.0731}

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

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

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

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

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

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

On October 1, 2025, NYCE will make the following changes:

• update their DBNYCE Data File Activity Fee $0.0022 from $0.0021
• revise their interchange rates and categories shown in the tables below
• stop distinguishing between premier and non-premier issuer rates for merchant POS and bill payment interchange categories shown in tables 3 to 6
• no longer base their e-commerce interchange rates on transaction amounts and will be assessed as shown in table 7

Table 1 – NYCE Bill Pay Fee Revision

Table 2 – NYCE e-Commerce Fee Revision

Table 3 – NYCE POS Interchange for Non-Regulated Issuer

Table 4 – NYCE POS Interchange for Regulated Issuer

Table 5 – NYCE Bill Pay Interchange for Non-Regulated Issuer

Table 6 – NYCE Bill Pay Interchange for Regulated Issuer

Table 7 – NYCE e-Commerce Interchange

<sub>1. Applies to settled purchase amount.
2. $0.01 collected and paid with respect to the fraud prevention adjustment under current interchange regulations.</sub>

_{Published August 15, 2025 | P2025.1788, P2025.1789}

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-bit 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}

The card expiration date must be provided for all card-not-present transactions, as clarified by PULSE.

_{Published July 15, 2025 | P2025.0055}

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

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

On April 1, 2025, PULSE will introduce the following interchange segments to their PIN and PINless debit interchange fee types.

• PULSE PAY Alpha
• PULSE PAY Beta
• PULSE PAY Direct

Applicable interchange fees for these segments are as follows.

Table – PULSE Non-Regulated Debit Interchange Fees

_{Published March 14, 2025 | P2024.2503}

Effective April 1, 2025, CULIANCE will revise their annual merchant location participation fee to $19.00 from $17.00. This fee is charged per location, e-commerce website and bill payment website. You will see the revised fee in your September 2025 billing statement and succeeding charges every September.

_{Published March 14, 2025 | P2025.0010}

Effective April 1, 2025, NYCE will revise their annual merchant location participation fee to $19.00 from $17.00. This fee is charged per location, e-commerce website and bill payment website. You will see the revised fee in your September 2025 billing statement and succeeding charges every September.

_{Published March 14, 2025 | P2025.0011}

Update: Effective April 1, 2025, NYCE will increase the bill payment tier 4 interchange fee as shown in Table 2.

Beginning February 1, 2025, NYCE will use the merchant category code (MCC) provided with the transaction to determine the applicable bill payment interchange tier. The interchange tier applicable to you may change based on the table below.

A unique Federal Reserve Department of American Banking Association (FRDABA) ID for each bill payment interchange tier is no longer required. Instead, a single FRDABA terminal ID can be used for Bill Payment Transactions. Separate FRDABA IDs will continue to be required when a terminal participant expects to exceed 50,000 transactions per month. 

Table 1 – NYCE Bill Payment tiers

NYCE introduced new interchange fees for transactions that qualify for Bill Payment Interchange Tier 4.

Table 2 – Updated effective dates and fees for NYCE Bill Payment tier 4 interchange

_{Updated March 14, 2025 | P2024.1767a
Published November 15, 2024 | P2024.1767}

ACCEL has increased their annual Merchant Participation fee to $18 per merchant location from $16. You will begin to see this revised rate on your February 2025 billing statement.

_{Published July 15, 2024 | P2024.0567}

Card expiration date must be provided for PINless eCommerce and one-time bill payment transactions, as clarified and reminded by Accel and STAR.

_{Published February 14, 2025 | P2024.2300a, P2024.2299a}

STAR has increased their annual Merchant Participation fee to $18 per merchant location from $16. This revised rate will be seen on your September 2024 billing statement.

_{Published July 15, 2024 | P2024.0565}

On September 1, 2024, NYCE will revise their eCommerce Interchange fees for transactions of $15 or more as shown in the table.

Table – NYCE Card-Not-Present Exempt Interchange Rates

_{Published July 15, 2024 | P2024.1141}

On September 3, 2024, CULIANCE will update their debit network switch fees as follows:

Table – CULIANCE Debit Network Switch Fee

_{Published July 15, 2024 | P2024.1142}