On 13 June 2026, Visa will update their domestic interchange programs as follows:

• The Recurring Payment Fee Program will be removed. The removal will be applicable to transactions with a POS Environment Code value of R.
• Domestic interchange rates across Visa products will be modified as outlined in the tables below. All rates are applicable to all funding sources.

Table 1 – Visa Secure Credential Framework Non-Token Downgrade Fee Program Updated Rates

Table 2 – Visa Electronic and Visa Standard Fee Programs Updated Rates

_{Published 15 April 2026 | P2026.0045}

On 17 May 2026, Visa’s Network Defense Fee of 0.00066 USD will be charged on declined transactions. This fee will support enhanced network-level fraud monitoring and blocking designed to help detect and stop large-scale fraud attacks more quickly across Visa’s ecosystem.

_{Published 15 April 2026 | P2025.1817}

On 1 May 2026, Visa will introduce inbound cross-border interchange rates in New Zealand as shown in the table.

The new fees are aligned with the new interchange regulation published by the New Zealand Commerce Commission.

Table – Visa New Consumer and Commercial Inbound Cross-Border Interchange Rates for Credit, Debit, and Prepaid Transactions

_{1. Includes debit and prepaid.}

_{Published 15 April 2026 | P2025.2333}

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

• 17 April 2026 – AFT token-based transactions
• 1 October 2026 – AFT PAN-based transactions

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.

_{15 April 2026 | P2025.2358}

Visa has made 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 15 April 2026 | P2025.2354}

Visa will be introducing Visa Infinite Plus on 17 April 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 13 March 2026 | P2025.2295, P2025.2353}

On 25 April 2026, Visa will update the following System Integrity Fees for non-compliant authorization reattempts for international transactions.

Table – Visa Updated System Integrity Fees

_{Published 13 March 2026 | P2026.2530b}

On 1 April 2026, Visa will make the following updates:

• Revise the Digital Commerce Services Fee¹ (DCSF), shown in Table 1
• Introduce a Card-Present Token Fee, shown in Table 2. This fee will be charged on authorized card-present tokenized transactions

Table 1 – Revised Visa DCSF

Table 2 – New Visa Card-Present Token Fee

_{1. Formerly known as the Digital Commerce Fee.}

_{Published 13 February 2026 | P2025.1819}

On 1 April 2026, Visa will revise their Digital Commerce Services Fee (DCSF)¹ and introduce the Card-Present (CP) token fee as follows:

Table 1 – Visa Revised DCSF

The revised DCSF will now include value-added services, no longer billed separately. This fee will be charged on authorized card-not-present transactions, excluding account funding transactions (AFTs) and original credit transactions (OCTs).

Table 2 – Visa New CP Token Fee

The new fee will be charged on authorized CP tokenized transactions excluding AFTs and OCTs.

_{1.     Formerly Digital Commerce Fee.}

_{Published 13 February 2026 | P2025.1818}

On 1 April 2026, Visa will introduce the Digital Commerce Services Fee (DCSF) and Card-Present (CP) token fee as described below.

Table 1 – Visa New DCSF

Certain value-added services¹ will be consolidated under the new DCSF which will be charged on authorized CNP transactions, excluding account funding transactions (AFTs) and original credit transactions (OCTs).

Table 2 – Visa New CP Token Fee

The new fee will be charged on authorized CP tokenized transactions, excluding AFTs and OCTs.

_{1.     Includes Visa Secure, Digital Authentication Framework, Visa Account Updater, Visa Digital Credential Updater, Visa Credential Enrichment Service, Card Verification Value 2 submission and verification, Token Authentication Verification Value Cryptogram, Token Lifecycle Management, Visa Card Enrollment Hub, Card-on-File Data API, and Visa Verify for Address Verification Service and Account Name Inquiry. Dynamic CVV2 (dCVV2) Authenticate is not included in the DCSF.}

_{Published 13 February 2026 | P2025.1816}

Visa will launch the Digital Commerce Authentication Program (DCAP) on 18 April 2026 to enhance the security of card-not-present transactions. To qualify, merchants must use Visa-approved enhanced data sharing solutions (i.e., Visa Secure and Visa Token Service) to send the following required data fields in the authorization message:

• IP address
• Device ID
• Email address or phone number (at least one)
• Billing address (optional)

Merchants can expect to receive program benefits for participating in the program, including a minimum approval rate applicable for all DCAP-qualified transactions.

_{Note: Excludes Bangladesh, Bhutan, India, and Nepal.}

_{Published 13 February 2026 | P2025.1815}

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 17 April 2026 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.

_{Published 15 December 2025 | P2025.0641, P2025.0642}

Visa’s existing interim PAN Pass Back Program will only be available until end of March 2026. This Program is for transit operators that require PAN to be returned to them during a token transaction. After March 2026, you are expected to implement changes to receive Payment Account Reference (PAR) instead of PAN. Visa will stop sending the PAN in transaction responses beginning April 2026.

The program will only be available for transit operators under the following Merchant Category Code:

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

The following Program Fees will be assessed starting from April 2024:

_{Published 17 May 2023 | P2022.1087}

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 15 April 2026 | P2026.0363}

On 1 March 2026, Visa will revise their domestic interchange rate as follows.

Table – Updated Visa Interchange Rate

_{1. Goods and services tax.}

_{Published 13 February 2026 | P2026.0285}

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 13 March 2026 | P2025.3245}

Visa has reinstated domestic government and utilities industry interchange reimbursement fee programs as shown below.

Table – Visa Reinstated Government and Utilities Interchange Rates

_{Published 13 February 2026 | P2025.3424}

On 1 December 2025, Visa will revise their domestic interchange rates and will align the account funding transaction credit and single network debit interchange hierarchy with product purchase credit and single network debit interchange rates, as shown below.

Table 1 – Updated Visa Domestic National Net Settlement Service (NNSS) Credit Interchange Rates

Table 2 – Updated Visa Domestic NNSS Single Network Debit Interchange Rate Update

_{Published 14 November 2025 | P2025.2863}

On 1 December 2025, Visa will update domestic credit, debit, and prepaid interchange rates in New Zealand, as follows:

Table 1 – Visa Updated Domestic Maximum Credit Interchange

Table 2 – Visa Updated Domestic Maximum Debit Interchange

Table 3 – Visa Updated Domestic Maximum Prepaid Interchange

<sub>1. Currently, the Recurring Payment Fee Program consists of a Tokenized Recurring fee and a Recurring Payments fee. The Tokenized Recurring fee will be retired and the Recurring Payments fee will be updated as outlined above.
2. Applicable for card-present (CP) only.
3. Applicable for card-not-present (CNP) only.</sub>

_{Published 15 October 2025 | P2025.2129}

On 18 October 2025, Visa will:

• Introduce two optional programs, detailed in Table 1, which applies to vehicle rental merchants operating under the following merchant category codes (MCCs):
  • 3351 – 3500 – Car Rental Agencies
  • 7512 – Automobile Rental Agency
• Globally align rules for rental damage charges and recommend best practices for processing delayed charges shown in Table 2

Table 1 –  New Visa Optional Programs for Vehicle Rental Merchants  

Table 2 –  Visa Guidelines for Vehicle Rental Transaction Processing

You may contact your JPMorganChase representative for more information.

<sub>1. Dispute rights remain the same, and authorization-related disputes will not affect the Visa Acquirer Monitoring Program calculations. Authorization and processing time frames will not be extended by this program.
2. Additional authorization amounts obtained in the estimated authorization at the time of car pick-up must not include estimates for potential damages or other post-rental charges (e.g. tolls, parking fines). These charges should be processed separately.
3. Charges that may be covered by the delayed charge transaction.</sub>

_{Published 15 October 2025 | P2025.1574}

On 18 October 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 similar to their current values in certain markets. 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 15 October 2025 | P2025.0648}

On 17 October 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 15 October 2025 | P2025.0651}

On 1 October 2025, Visa will increase their Commercial Choice (VCC¹) Travel fee to 0.75% from 0.60% for domestic credit, debit, prepaid, deferred debit, and charge transactions. This change does not affect intraregional and interregional VCC Travel transactions.

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

_{Published 15 July 2025 | P2025.1005}

On 18 October 2025, Visa will add pre-order sales as a new category of advance payment transaction. This will enable securing payment before the goods or services are available.

The following transaction types are classified as pre-orders:

• Goods or services that are not yet commercially available
• An item that is currently back-ordered, possibly due to shipping issues
• A highly anticipated good or service for future availability
• Limited-edition items

Changes to the authorization message to include a new advance payment indicator is required to identify advance payment transactions. 

Please contact your JPMorganChase representative for more information.

_{Published 15 August 2025 | P2025.0426}

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

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

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

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

_{Published 15 September 2025 | P2025.0649}

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

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

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

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

_{Published 15 August 2025 | P2025.1030}

On 1 September 2025, Visa will modify their domestic interchange rates in Australia shown below.

Table – Visa Updated Domestic Interchange Rates in Australia

_{1. Goods and services tax.}

_{Published 15 August 2025 | P2025.1957}

The advisory period for the Visa Acquirer Monitoring Program (VAMP) enhancements has been extended to 30 September 2025. You must continue to monitor fraud and dispute metrics and improve risk controls when necessary during this advisory period, until the 1 October 2025 VAMP reinforcement.

To avoid potential fines under VAMP, please consult your JPMorganChase representative for advise on risk improvement measures and for more information on Visa's monitoring thresholds.

_{Published 15 May 2025 | P2025.0593}

Visa has updated their 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 15 September 2025 | P2025.1593}

On 1 June 2025, Visa will revise their domestic interchange rates in Australia as follows.

Table – Visa domestic interchange rates for credit and debit transactions

_{1. Goods and services tax.}

_{Published 15 May 2025 | P2025.0983}

Visa Account Updater (VAU) push subscribe service was recently launched. With this, you have the option to register a list of cardholder primary account numbers (PANs) on file and automatically receive credential updates on the subscribed PANS (e.g. due to card expiration, replacement, or account changes).

This optional service allows you to receive the most current card information provided to Visa by issuing banks for a fee, helping reduce the chances of transaction declines due to outdated card details. In addition, it will also allow you to:

• Remove uncertainty on account updates
• Eliminate the need to send inquiries to VAU
• Improve authorization rates
• Reduce the file transmission costs associated with batch update file transmission
• Improve cardholder experience when cards are reissued

Please contact your JPMorganChase representative for more information on the VAU Push Subscribe Service.

Table – New VAU Push Subscribe Service Fee

_{1. Not applicable to AP markets where the Digital Commerce Fee has been introduced.}

^{Published 13 June 2025 | P2025.0621}

Starting 25 May 2025, Visa will increase the retry attempt to 20 times for both cardholder-initiated transactions (CITs) and merchant-initiated transactions (MITs) within 30 days after a category 2, 3 or 4 response code decline. Previously, the limit was only up to 15 times. With this change, do not submit any retries for a category 1 response code decline.

Please comply with the allowed number of retry attempts to avoid excessive retry fees under the program. The fees will be assessed for every reattempt beyond the permitted number of retries.

_{Published 15 May 2025 | P2024.2594}

Visa Secure now supports merchant participation in Compelling Evidence (CE) 3.0 by allowing merchants to share certain data elements during authentication.

Data collected under CE 3.0 will be used to manage disputes. For example, when a cardholder initiates a fraud-related dispute, Visa validates the CE 3.0 data by comparing the data of the disputed transaction against the historical transactions and determines if the transaction qualifies for CE 3.0 protection.

Please contact your 3DS service provider to confirm if they support additional CE 3.0 data.

_{Published 15 May 2025 | P2025.0433}

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

Starting 31 July 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 1 August 2025.

To avoid 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 15 May 2025 | P2025.0360
Published 13 December 2024 | P2024.0093}

Visa will make the following changes for the Small Merchant Acceptance Program shown below.

Table 1 –  Visa changes for the Small Merchant Acceptance Program and effective dates

Table 2 –  Visa updated domestic interchange rates for the Small Merchant Acceptance Program

You may contact your JPMorganChase representative for more information on these changes.

<sub>1. Applicable for Merchant Category Code (MCC) 5814—Fast Food Restaurants, MCC 5812—Eating Places and Restaurants, and MCC 5462—Bakeries.
2. Applicable for all other MCCs, with exclusions. Please refer to the Singapore Small Merchant Acceptance Program Application Form for the full list of MCC exclusions.</sub>

_{Published 15 April 2025 | P2025.0602}

Update: Visa moved the first billing of the Processing Integrity Program fees from November 2024 to October 2024, excluding India and Japan. For India, the fees will be implemented on 1 July 2025, while the fees in Japan will be announced on a future date. Visa also added a list of exempted MCCs.

Effective 1 October 2024, Visa will implement the Electronic Data Quality Program (EDQP). To comply with the EDQP, you and your system processors must ensure that the transaction data received directly from the authorization response or using third-party agents such as payment facilitators is carried over exactly to the clearing records.

In addition, Visa will delay the effective date of the Processing Integrity Program fees to October 2024 (excluding India and Japan) to allow for adequate time for clients to make the appropriate changes for both programs.

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 15 November 2024 | P2024.1830
Published 15 August 2024 | P2023.2420}

Effective 13 April 2024, Visa will update the payment model rules for eligible payments transacting through a Business Payment Solution Provider (BPSP). The updated rules will include, but are not limited to, the following use cases:

• Buyers to use either a Visa commercial or consumer¹ card for payments in business-to-business transactions.
• Suppliers that use Visa, but will not accept card payment for the purchase of business-related goods and services, can be paid through a BPSP².
• Suppliers from a different country can be paid through a BPSP, with additional fees applicable.

You may contact your J.P. Morgan representative for more information on these changes.

_{1. Consumer cards will only be accepted for payment until April 2027.}
2. BPSP will be required to confirm with Visa that the supplier concerned being paid through BPSP declined to accept card payment directly from the buyer.

_{Published 15 February 2024 | P2023.2207}

On 2 June 2026, Mastercard will require merchants to retain the Transaction Link Identifier (TLID) from card-not-present cardholder-initiated transactions (CIT) and Account Status Inquiry (ASI) requests. Merchants must also include the retained TLID in each subsequent merchant-initiated transaction (MIT).

If the original TLID is unavailable for transactions made before the effective date, please make sure to use the TLID from an undisputed MIT authorization least three months prior.

Please contact your JPMorganChase representative for more information.

_{Published 15 April 2026 | P2026.0227}

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

• 1 May 2026 – Update the Specialty Merchants Annual Registration Program Fee to 1,000 USD from 500 USD.
• 3 June 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 – Mastercard Specialty Merchant Registration 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>

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

Effective 17 May 2026, you will be charged a Mastercard Acquirer License fee of 0.006% per settled transaction.

_{Published 17 April 2026 | P2025.0562}

On 1 May 2026, Mastercard will introduce interregional interchange rates for New Zealand inbound POS transactions as shown below.

Table –  Mastercard New Interregional Inbound POS Interchange Rates

_{Published 13 March 2026 | P2025.2904}

On 1 May 2026, Mastercard will introduce intraregional interchange rates for New Zealand inbound POS transactions as shown below.

Table –  Mastercard New Intraregional Inbound POS Interchange Rates

_{Published 13 March 2026 | P2025.2903}

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

• 17 April 2026 – Remove the 0.1% program fee per settled transaction
• 24 October 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 17 April 2026, Mastercard will introduce the Mastercard Flex Program in Australia, together with new product codes and interchange rates as shown in Tables 1 and 2. This global commercial credit program will help expedite business-to-business (B2B) payments securely and conveniently through Virtual Card Number (VCN) technology.

Table 1 – Mastercard Commercial B2B 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 15 April  2026 | P2026.0777, P2026.0763, P2026.0766
Published 13 February 2026 | P2025.2073, P2025.2061, P2025.2249}

Effective 17 April 2026,  Mastercard will modify the intracountry point-of-sale credit, debit, and prepaid interchange programs and rates shown in the tables below.

Table 1 – Mastercard Updated Commercial Interchange Program Rates for Credit Transactions

Table 2 – Mastercard Updated Consumer Standard and Consumer Premium Interchange Program Rates for Credit Transactions

Table 3 – Mastercard Updated Consumer Super Premium and Consumer Elite Interchange Program Rates for Credit Transactions

Table 4 – Mastercard Updated Commercial and Consumer Interchange Program Rates for Charge Transactions

Table 5 – Mastercard Updated Installment Interchange Program Rates for Credit Transactions

Table 6 – Mastercard Updated Consumer and Commercial Interchange Program Rates for Dual Network Debit Card Transactions

Table 7 – Mastercard Updated Consumer and Commercial Interchange Program Rates for Single Network Debit Card Transactions

Table 8 – Mastercard Consumer Interchange Program Rate for Installement Payment Transactions

Table  9 – Mastercard Discontinued Domestic Fees

_{1. Goods and services tax.}

_{Published 13 March 2026 | P2025.1832}

On 17 April 2026, Mastercard will introduce domestic interchange rates for product code MWJ: World Legend™ Mastercard Consumer Credit for certain industries, as detailed below.

Table 1 – New Mastercard Domestic Credit Interchange Rates for Charities, Government Services, and Real Estate Management Fee

Table 2 – New Mastercard Domestic Credit Interchange Rates for Education and Emerging Markets

Table 3 – New Mastercard Domestic Credit Interchange Rates for Recurring Payments

Table 4 – New Mastercard Domestic Credit Interchange Rates for SME Markets

Table 5 – New Mastercard Domestic Credit Interchange Rates for Supermarkets

Table 6 – New Mastercard Domestic Credit Interchange Rates for Transit Card Top Up (DSRP)

Table 7 – New Mastercard Domestic Credit Interchange Rates for Transportation

Table 8 – New Mastercard Domestic Credit Interchange Rates for All Others

_{Published 13 March 2026 | P2025.2792}

On 1 April 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 13 March 2026 | P2026.0268}

Starting 17 April 2026, Mastercard will no longer allow full primary account numbers (FPAN) to appear in any document used for disputes. As a result of this change, merchants should NOT upload documents for Mastercard containing the FPAN, as 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:

• 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 16 March 2026 | P2025.1932}

On 16 April 2026, Mastercard will introduce intraregional interchange rates for product code MWJ: World Legend Mastercard Consumer Credit, as shown below.

Table – New World Legend Mastercard Consumer Credit Intraregional Interchange Rates

_{Published 13 February 2026 | P2025.2810}

Mastercard is revising their acquirer pricing in Australia, as detailed in the tables below. Additionally, Mastercard is revising the fee elibigility criteria for their Domestic Acquirer Debit Card-Present Processing fee to include domestic debit tokenized card-present transactions, effective on 13 July 2026.

Table 1 – Mastercard Revised Cross Border Assessment, effective 6 April 2026

Table 2 – Mastercard Revised Authorization Processing Fee, effective 13 July 2026

Table 3 – Mastercard Revised Clearing Processing Fee, effective 13 July 2026

<sub>1. Fees will continue not to apply to domestic debit card present transactions that are not tokenized contactless; there is no authorization processing fee applicable for this transaction type.
2. Fee will no longer be applicable to domestic debit card present transactions.</sub>

_{Published 13 February 2026 | P2025.3351}

On 6 April 2026, Mastercard will make the following changes in assessing their mail order/telephone order (MOTO) fee:

• 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 – Mastercard Updated MOTO Fees

Please note that this fee does not apply to:

• Payment transactions (including Mastercard Send Payment Transactions)
• Transactions that qualify for Mastercard Wholesale Travel Program
• Collection-only processing

_{Published 15 January 2026 | P2025.2234}

Mastercard will be expanding their First-Party Trust Program to the Asia/Pacific region on 19 April 2026.This program allows merchants to provide compelling evidence that the cardholder has authorized the transaction by supplying data from at least two historical transactions that are not reported as fraud, and the disputed transaction. The merchant avoids chargebacks should the data match previous legitimate transactions.

To enroll or learn more about the program, please reach out to your JPMorganChase representative.

_{Published 15 January 2026 | P2025.1706}

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 18 February 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 that 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 13 March 2026 | P2025.3018}

On 1 February 2026, Mastercard will introduce a Credential Continuity Program fee of 0.09 USD. This fee will be assessed for every recurring payment (RP) transaction made with outdated credentials exceeding 100 in a calendar month at the aggregate merchant level.

To improve recurring payment approval rates, merchants should use the latest account credentials, which can be obtained by contacting the cardholder before processing the RP transaction or by using Automatic Billing Updater (ABU) or similar third party service.

_{Published 15 December 2025 | P2025.2045}

Mastercard is enhancing their purchase and recurring payment Account Status Inquiry with an optional Approval Probability Indicator that provides insights to improve payment success rates, reduce costs, and enhance customer experience. You may use the indicator to:

• Predict the best time to send an authorization for a future transaction amount
• Time authorizations to reduce non-sufficient funds declines and increase approvals
• Avoid excessive and costly authorization retries
• Potentially enable acceptance of additional card types for recurring payments that were previously not accepted

Pricing applies and is determined by Mastercard. Please contact your JPMorganChase representative for details.

_{Published 13 February 2026 | P2025.3358}

Starting 1 January 2026, Mastercard will include all commercial cards in the Automatic Billing Updater (ABU). Non-reloadable prepaid cards and single-use virtual card numbers will continue to be excluded from the ABU.

_{Published 15 December 2025 | P2025.1700}

On 1 January 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 USD fee remains the same, and will continue to be assessed on transactions that meet the following criteria:

• Received a decline code 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 14 November 2025 | P2025.0835}

On 5 January 2026, Mastercard will introduce pricing for the Authorization Optimizer Service¹ in Hong Kong, aiming to improve insights on how and when to resubmit requests for authorization. A rate of 0.03% (minimum of 0.0003 USD, maximum of 0.075 USD) will be assessed for each card-not-present (CNP) declined transaction meeting the following conditions:

• Mastercard decline reason code is equal to 79 (Lifecycle), 82 (Policy) or 83 (Security), and 51 (Insufficient Funds); and,
• Mastercard-provided Merchant Advice Code (MAC) is equal to 01 (Updated/additional information needed), 03 (Do not try again), or 24 to 30 (Retry time window).

_{1. Formerly Decline Reason Code Service.}

_{Published 14 November 2025 | P2025.2047}

Starting 1 January 2026, Mastercard will no longer require merchants to collect CVC 2 data for all card-not-present (CNP) authenticated transactions. You may refer to the table for guidance on transaction authentication.

Table – Mastercard Expected Merchant Action During Authorization

_{Published 14 November 2025 | P2023.2190u1}

On 16 December 2025, Mastercard will introduce the Acceptance and Usage Expansion Fund in Hong Kong SAR, Macao SAR, Mongolia and Taiwan. A fee of 0.05% will be assessed on all Mastercard cross-border sales transactions to contribute to the fund. Mastercard will use the fund to invest in market-wide initiatives that will enhance payment acceptance environment.

_{Published 14 November 2025 | P2025.2238}

On 1 December 2025, Mastercard will update their domestic credit, debit, and prepaid interchange rates in New Zealand, as follows:

Table 1 – Updated Mastercard Domestic Credit Interchange Rates

Table 2 – Updated Mastercard Domestic Debit Interchange Rates

Table 3 – Updated Mastercard Domestic Prepaid Interchange Rates

_{Note: If the transaction qualifies for more than one rate, the highest prioritized rate takes precedence.}

_{Published 15 October 2025 | P2025.2106}

Mastercard is updating their intraregional debit and credit interchange rates as shown below.

Table 1 – Mastercard Updated Intraregional Debit Interchange Rates

Table 2 – Mastercard Updated Intraregional Credit Interchange Rates, effective 17 April 2026

<sub>1. Only for acceptor business codes (MCCs) 5542, 5960, 5962, 5964, 5965, 5966, 5967, 5968, and 5969.
2. Only for product code MWL: Consumer Plus Flex.</sub>

_{Published 15 December 2025 | P2025.3061}

Effective 4 November 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 15 October 2025 | P2025.0809}

Level 1¹ merchants may now conduct their own annual PCI DSS assessments, in order to complete a Report on Compliance Attestation of Compliance (ROC AOC). These documents may be signed by an executive officer of the merchant or a  PCI Security Standards Council (PCI SSC)-certified Internal Security Assessor (ISA).

This change is a result of Mastercard’s Site Data Protection Program update, providing more flexibility in meeting the Payment Card Industry Data Security Standard (PCI DSS) requirements. For more information on this certification, please refer to the PCI Security Standards Council.

_{Note: Level 1 merchants may also engage a PCI SSC-approved Qualified Security Assessor (QSA) to complete an ROC.}

_{1. Merchants processing over six millon combined Mastercard and Maestro transactions annually.}

_{Published 14 November 2025 | P2025.2158}

On 18 October 2025, Mastercard will make the following changes:

• Introduce interchanges rates for Debit High Volume 1 and Debit High Volume 2
• Modify the priority for dual and single network debit card interchange rates

Table 1 – Mastercard Updated Dual Network Debit Card Interchange Rates in Australia

Table 2 – Mastercard Updated Single Network Debit Card Interchange Rates in Australia

_{1. Goods and Services Tax}

_{Published 4 October 2025 | P2025.2276}

On 17 October 2025, Mastercard will introduce the Consumer World Select, and modify the Consumer Elite interchange rates shown below.

Table 1 – New Mastercard World select Interchange Rates

Table 2 – Modified Mastercard Consumer Elite Interchange Rates

_{Published 15 September 2025 | P2025.1053}

On 18 October 2025, Mastercard will introduce their high volume interchange program to participating merchants. You’ll see the program rates in the table below.

A Mastercard Assigned ID will be provided to identify transactions that meet the following criteria:

• Domestic card-present debit transactions, both dual and single network, and
• At least 5,000,000 transactions annually.

Table – Mastercard High Volume Interchange Program Rates

To participate in this program, please contact your JPMorganChase representative.

_{1. Goods and services tax.}

_{Published 15 September 2025 | P2025.0328}

On 17 October 2025, Mastercard is revising the following standards shown below.

• 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.

_{Published 15 September 2025 | P2025.0437}

On 17 October 2025, Mastercard will introduce a new process allowing non-transit merchants to resubmit card-present transaction authorizations that were initially declined, provided the decline reason doesn’t prohibit resubmission. Merchants can attempt resubmission starting 24 hours after the initial decline and continue for up to 13 days. However, resubmitting transactions declined for reasons that explicitly prevent resubmission must be avoided.

Please contact your JPMorganChase representative for more information on the deferred authorization resubmission specifications.

_{Published 15 August 2025 | P2025.1900}

On 18 October 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 15 August 2025 | P2025.0168}

On 6 October 2025, Mastercard will update their Digital Assurance Fee for non-tokenized card-on-file (COF) and non-COF transactions. The fees for non-COF transactions will only apply to domestic transactions.

Table – Updated Mastercard Digital Assurance fee

_{Published 15 August 2025 | P2025.0902}

On 6 October 2025, Mastercard will revise their Digital Assurance Fee for non-tokenized transactions. A fee of 0.04% will be assessed for non-tokenized Card-on-File Cross-border credit and debit transactions.

_{Published 15 July 2025 | P2025.0907}

On 17 October 2025, Mastercard will introduce their World Select domestic interchange rates in Singapore for consumer credit transactions associated with product code MWL (Mastercard World Select). The interchange rates are in the tables below.

Table – Interchange Rates

_{Published 15 July 2025 | P2025.1054}

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

Table – Mastercard World Select Interchange Rates

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

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

Table – Updated Mastercard Intraregional Consumer Interchange Rates

_{1.     Only for acceptor business codes (MCCs) 5542, 5960, 5962, 5964, 5965, 5966, 5967, 5968, and 5969.}

_{Published 13 June 2025 | P2025.0179}

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

_{Published 15 May 2025 | P2025.0103}

On 18 October 2025, Mastercard will revise their intraregional interchange rates as follows.

Table – Mastercard intraregional interchange rates for credit transactions

_{1. Only for acceptor business codes (MCCs) 5542, 5960, 5962, 5964, 5965, 5966, 5967, 5968, and 5969.}

_{Published 15 April 2025 | P2025.0179}

Update: Mastercard has removed some countries affected by the fee. See the updated list in Table 2.

On 29 September 2025, Mastercard will introduce the Final Authorization Validity Value fees for final authorization transactions in select countries. These fees depend on the time between the final authorization approval and clearing submission. No fee will be charged if the clearing transactions are submitted within 24 hours of the final authorization.

Table 1 – Mastercard Final Authorization Validity Value Fee for Cleared Final Authorization Transactions

Table 2 – Mastercard Final Authorization Validity Value Fee for Select Countries

_{Updated 15 September 2025 | P2025.0569u1
Published 15 August 2025 | P2025.0569}

On 1 September 2025, Mastercard will modify their domestic interchange rates for credit and single network debit transactions as shown below.

Table – Mastercard Updated Interchange Rates for Credit and Single Network Debit Transactions

_{1. Goods and services tax.}

_{Published 15 August 2025 | P2025.1992}

Starting 15 September 2025, suspected fraudulent transactions may be blocked using payment account reference (PAR) value instead of individual virtual card numbers (VCN). This function arose from Mastercard’s linking of all the VCNs being tokenized from the same consumer card account PAR value in tokenization. This change aims to help prevent VCN-related fraud.

Please reach out to your token requestor service provider for more information.

_{Published 15 August 2025 | P2025.0988}

Starting 1 September 2025, all Asia Pacific-issued cards will experience rejections for chip to magnetic stripe fallback transactions, as per Mastercard’s requirement.

_{Published 15 May 2025 | P2025.0440}

On 11 July 2025, Mastercard will introduce new consumer and commercial product codes with new interchange rates for domestic transactions as shown below.

Table – Mastercard Consumer and Commercial Domestic Interchange Rates

<sub>1. Interchange rate designators.
2. Goods and services tax.</sub>

_{Published 30 June 2025 | P2025.0185}

On 7 July 2025, Mastercard will revise their Digital Assurance Fee (DAF) for non-tokenized transactions to 0.04%. This fee will apply to:

Table 1 – Card-on-File Non-Tokenized Debit and Credit Transactions in the Following Countries