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Visa®

Visa will update their Visa Europe Service fees on 1 April 2025 for Austria, Belgium, and Sweden, and on 1 July 2025 for Spain. The updated service fees can be found in Tables 1 and 2 for card-not-present and card-present transactions respectively.

Table 1 – Updated Visa Europe Service Fees for Card-Not-Present Transactions

Fee Name	Current Rate	New Rate
VI Europe Austria Card-Not Present Service Fee - Credit	0.068%	0.085%
VI Europe Austria Card-Not Present Service Fee - Debit/Prepaid	0.052%	0.085%
VI Europe Belgium Card-Not-Present Service Fee - Credit	0.033%	0.058%
VI Europe Belgium Dom Card-Not-Present Service Fee - Debit/Prepaid	0.028%	0.028%
VI Europe Belgium Intra / Inter Card-Not-Present Service Fee - Debit/Prepaid	0.028%	0.040%
VI Europe Sweden Card-Not-Present Service Fee - Credit	0.033%	0.037%
VI Europe Sweden Card-Not-Present Service Fee - Debit/Prepaid	0.028%	0.037%

Table 2 – Updated Visa Europe Service Fees for Card-Present Transactions

Fee Name	Current Rate	New Rate
VI Europe Austria CP Service Fee (Dom, Intra, Inter) - Credit	0.068%	0.085%
VI Europe Austria CP Service Fee (Dom, Intra, Inter) - Debit /Prepaid	0.052%	0.085%
VI Europe Belgium CP Service Fee (Dom, Intra, Inter) - Credit	0.019%	0.058%
VI Europe Belgium CP Service Fee (Dom) - Debit / Prepaid	0.014%	0.014%
VI Europe Belgium CP Service Fee (Intra & Inter) - Debit /Prepaid	0.014%	0.040%
VI Europe Spain CP Service Fee (Dom) - Credit	0.014%	0.029%
VI Europe Spain CP Service Fee (Intra & Inter) - Credit	0.020%	0.029%
VI Europe Spain CP Service Fee (Dom) - Debit, Prepaid	0.010%	0.025%
VI Europe Spain CP Service Fee (Intra & Inter) - Debit /Prepaid	0.015%	0.025%
VI Europe Sweden CP Service Fee (Dom, Intra, Inter) - Credit	0.025%	0.035%
VI Europe Sweden CP Service Fee (Dom, Intra, Inter) - Debit /Prepaid	0.020%	0.035%

_{Published 14 February 2025 | P2024.1896}

Effective 12 April 2025, Visa will update their Visa Infinite Business intra-Europe interchange program as follows.

Table 1 – New Visa Infinite Business Intra-Europe Interchange Rates

New Rate Code	New Fee Name	Fee Criteria	New Rate (in EUR)
V179	VIEU Intra-EEA Business EMV PP Infinite MIN	Transactions less than 21.22 EUR	0.35
V180	VIEU Intra-EEA Business E-Comm PP Infinite MIN	Transactions less than 17.50 EUR	0.35
V181	VIEU Intra-EEA Business Standard PP Infinite MIN	Transactions less than 17.50 EUR	0.35
V182	Visa EU Intra-EEA BUS Infinite Debit EMV Charity MAX	Transactions over 30.30 EUR applicable to MCC 8398¹	0.50
V183	Visa EU Intra-EEA BUS Infinite Debit EMV Money ser & Gov MAX	Transactions over 90.90 EUR applicable to MCCs 6012, 6211 and 9311²	1.50
V185	Visa EU Intra-EEA BUS Infinite Debit Ecom Charity MAX	Transactions over 25.00 applicable to MCC 8398¹	0.50
V186	Visa EU IntraEEA BUS Infinite Debit Ecom Money ser & Gov MAX	Transactions over 75.00 EUR applicable to MCCs 6012, 6211 and 9311²	1.50
V187	Visa EU Intra-EEA BUS Infinite Debit STD Charity MAX	Transactions over 25.00 EUR applicable to MCC 8398¹	0.50
V188	Visa EU Intra-EEA BUS Infinite Debit STD Money ser & Gov MAX	Transactions over 75.00 EUR applicable to MCCs 6012, 6211 and 9311²	1.50

Table 2 – Updated Visa Infinite Business Intra-Europe Interchange Rates

Current Rate Code	Fee Name	Current Rate	New Rate
VV10	Visa Europe Intra-EEA Business Infinite EMV	1.55%	1.65%
VV11	Visa Europe Intra-EEA Business Infinite eCommerce	1.90%	2.00%
VV12	Visa Europe Intra-EEA Business Infinite Standard	1.90%	2.00%
VV32	Visa EU Intra-EEA BUS Infinite Debit EMV - Group A	1.55%	1.65%
VV34	Visa EU Intra-EEA BUS Infinite Debit eCom - Group A	1.90%	2.00%
VV36	Visa EU Intra-EEA BUS Infinite Debit STD - Group A	1.90%	2.00%
VV38	Visa EU Intra-EEA BUS Infinite Debit EMV - Group B	1.55%	1.65%
VV40	Visa EU Intra-EEA BUS Infinite Debit eCom - Group B	1.90%	2.00%
VV42	Visa EU Intra-EEA BUS Infinite Debit STD - Group B	1.90%	2.00%

Table 3 – Updated Visa Platinum Business Intra-Europe Interchange Fee Names resulting from the changes

Current Rate Code	Current Fee Name	New Fee Name
VV44	Visa EU Intra-EEA BUS Plat & Infin Dbt MAX - Charity (A)	Visa EU Intra-EEA BUS Platinum Dbt MAX - Charity (A)
VV46	Visa EU Intra-EEA BUS Plat & Infin Dbt MAX - Money Serv (A)	Visa EU Intra-EEA BUS Platinum Dbt MAX - Money Serv (A)
VV48	Visa EU Intra-EEA BUS Plat & Infin EMV Dbt MAX - Charity (B)	Visa EU Intra-EEA BUS Platinum EMV Dbt MAX - Charity (B)
VV50	Visa EU Intra-EEA BUS Plat & Infin eComm Dbt MAX Charity (B)	Visa EU Intra-EEA BUS Platinum eComm Dbt MAX Charity (B)
VV52	Visa EU Intra-EEA BUS Plat & Infin STD Dbt MAX - Charity (B)	Visa EU Intra-EEA BUS Platinum STD Dbt MAX - Charity (B)
VV54	Visa EU Intra-EEA BUS Plat & Infin EMV Dbt MAX-Money Serv(B)	Visa EU Intra-EEA BUS Platinum EMV Dbt MAX-Money Serv(B)
VV56	Visa EU Intra-EEA BUS Plat & Infin eComm Dbt MAX MoneyServ B	Visa EU Intra-EEA BUS Platinum eComm Dbt MAX MoneyServ B
VV58	Visa EU Intra-EEA BUS Plat & Infin STD Dbt MAX-MoneyServ (B)	Visa EU Intra-EEA BUS Platinum STD Dbt MAX-MoneyServ (B)
V134	VIEU Intra-EEA Business E-Comm PP Plat & Infin MIN	VIEU Intra-EEA Business E-Comm PP Platinum MIN
V135	VIEU Intra-EEA Business Standard PP Plat & Infin MIN	VIEU Intra-EEA Business Standard PP Platinum MIN
VV43	Visa EU Intra-EEA BUS Plat & Infin Dbt - Charity - (A)	Visa EU Intra-EEA BUS Platinum Dbt - Charity - (A)
VV45	Visa EU Intra-EEA BUS Plat & Infin Dbt - Money Serv (A)	Visa EU Intra-EEA BUS Platinum Dbt - Money Serv (A)
VV47	Visa EU Intra-EEA BUS Plat & Infin EMV Dbt - Charity (B)	Visa EU Intra-EEA BUS Platinum EMV Dbt - Charity (B)
VV49	Visa EU Intra-EEA BUS Plat & Infin eComm Dbt - Charity (B)	Visa EU Intra-EEA BUS Platinum eComm Dbt - Charity (B)
VV51	Visa EU Intra-EEA BUS Plat & Infin STD Dbt - Charity (B)	Visa EU Intra-EEA BUS Platinum STD Dbt - Charity (B)
VV53	Visa EU Intra-EEA BUS Plat & Infin EMV Dbt - Money Serv (B)	Visa EU Intra-EEA BUS Platinum EMV Dbt - Money Serv (B)
VV55	Visa EU Intra-EEA BUS Plat & Infin eComm Dbt Money Serv (B)	Visa EU Intra-EEA BUS Platinum eComm Dbt Money Serv (B)
VV57	Visa EU Intra-EEA BUS Plat & Infin STD Dbt - Money Serv (B)	Visa EU Intra-EEA BUS Platinum STD Dbt - Money Serv (B)
V136	VIEU Domestic Business E-Comm PP Plat & Infin MIN	VI EU Domestic P Platinum ECommerce Min
V137	VIEU Domestic Business Standard PP Plat & Infin MIN	VI EU Domestic P Platinum Strandard Min

_{1. Merchant Category Code (MCC) 8398—Charitable Social Service Organization}2. Merchant Category Code (MCC) 6012—Financial Institutions—Merchandise, Services, and Debt Repayment; MCC 6211—Security Brokers / Dealers; MCC 9311—Tax Payments

_{Published 14 February 2025 | P2024.0962, P2024.0963}

Visa updated their Visa Infinite Business domestic interchange program in select countries, which includes rate code updates effective last 24 January 2025 and rate changes effective on 11 April 2025. Tables below show rates per country.

Table 1 – Updated Visa Infinite Business Domestic Interchange Program in Austria

New Rate Code	Fee Name	Current Rate	New Rate
V1D7	VI EU Domestic DP Infinite EMV Contactless	1.55%	1.65%
V1D8	VI EU Domestic DP Infinite EMV Online Magstripe	1.55%	1.65%
V1D9	VI EU Domestic DP Infinite EMV Online Chip	1.55%	1.65%
V1DI	VI EU Domestic DP Infinite EMV Offline Chip	1.55%	1.65%
V1E9	VI EU Domestic DP Infinite Electronic Commerce	1.80%	2.00%
V1EB	VI EU Domestic DP Infinite Standard	1.90%	2.00%
V1HT	VI EU Domestic CR Infinite EMV Contactless	1.55%	1.65%
V1HU	VI EU Domestic CR Infinite EMV Online Magstripe	1.55%	1.65%
V1HV	VI EU Domestic CR Infinite EMV Online Chip	1.55%	1.65%
V1HW	VI EU Domestic CR Infinite EMV Offline Chip	1.55%	1.65%
V1HX	VI EU Domestic CR Infinite Electronic Commerce	1.80%	2.00%
V1HZ	VI EU Domestic CR Infinite Standard	1.90%	2.00%

Table 2 – Updated Visa Infinite Business Domestic Interchange Program in Belgium

New Rate Code	Fee Name	Current Rate	New Rate
V1D7	VI EU Domestic DP Infinite EMV Contactless	0.40%	No change
V1D8	VI EU Domestic DP Infinite EMV Online Magstripe	0.40%	No change
V1D9	VI EU Domestic DP Infinite EMV Online Chip	0.40%	No change
V1DI	VI EU Domestic DP Infinite EMV Offline Chip	0.40%	No change
V1E9	VI EU Domestic DP Infinite Electronic Commerce	1.80%	2.00%
V1EB	VI EU Domestic DP Infinite Standard	1.90%	2.00%
V1HT	VI EU Domestic CR Infinite EMV Contactless	1.55%	1.65%
V1HU	VI EU Domestic CR Infinite EMV Online Magstripe	1.55%	1.65%
V1HV	VI EU Domestic CR Infinite EMV Online Chip	1.55%	1.65%
V1HW	VI EU Domestic CR Infinite EMV Offline Chip	1.55%	1.65%
V1HX	VI EU Domestic CR Infinite Electronic Commerce	1.80%	2.00%
V1HZ	VI EU Domestic CR Infinite Standard	1.90%	2.00%

Table 3 – Updated Visa Infinite Business Domestic Interchange Program in Cyprus

New Rate Code	Fee Name	Current Rate	New Rate
V1D7	VI EU Domestic DP Infinite EMV Contactless	2.00%	No change
V1D8	VI EU Domestic DP Infinite EMV Online Magstripe	2.00%	No change
V1D9	VI EU Domestic DP Infinite EMV Online Chip	2.00%	No change
V1DI	VI EU Domestic DP Infinite EMV Offline Chip	2.00%	No change
V1E9	VI EU Domestic DP Infinite Electronic Commerce	2.00%	No change
V1EB	VI EU Domestic DP Infinite Standard	2.00%	No change
V1HT	VI EU Domestic CR Infinite EMV Contactless	2.00%	No change
V1HU	VI EU Domestic CR Infinite EMV Online Magstripe	2.00%	No change
V1HV	VI EU Domestic CR Infinite EMV Online Chip	2.00%	No change
V1HW	VI EU Domestic CR Infinite EMV Offline Chip	2.00%	No change
V1HX	VI EU Domestic CR Infinite Electronic Commerce	2.00%	No change
V1HZ	VI EU Domestic CR Infinite Standard	2.00%	No change

Table 4 – Updated Visa Infinite Business Domestic Interchange Program in Czechia

New Rate Code	Fee Name	Current Rate	New Rate
V1D7	VI EU Domestic DP Infinite EMV Contactless	1.95%	No change
V1D8	VI EU Domestic DP Infinite EMV Online Magstripe	1.95%	No change
V1D9	VI EU Domestic DP Infinite EMV Online Chip	1.95%	No change
V1DI	VI EU Domestic DP Infinite EMV Offline Chip	1.95%	No change
V1E9	VI EU Domestic DP Infinite Electronic Commerce	1.95%	No change
V1EB	VI EU Domestic DP Infinite Standard	1.95%	No change
V1HT	VI EU Domestic CR Infinite EMV Contactless	1.95%	No change
V1HU	VI EU Domestic CR Infinite EMV Online Magstripe	1.95%	No change
V1HV	VI EU Domestic CR Infinite EMV Online Chip	1.95%	No change
V1HW	VI EU Domestic CR Infinite EMV Offline Chip	1.95%	No change
V1HX	VI EU Domestic CR Infinite Electronic Commerce	1.95%	No change
V1HZ	VI EU Domestic CR Infinite Standard	1.95%	No change
VCZ0	Visa Czech Rep. Domestic Business Infinite EMV/Contactless	1.95%	No change
VCZD	Visa Czech Republic Domestic Business Infinite eCommerce	1.95%	No change
VCZF	Visa Czech Republic Domestic Business Infinite Standard	1.95%	No change

Table 5 – Updated Visa Infinite Business Domestic Interchange Program in Denmark

New Rate Code	Fee Name	Current Rate	New Rate
V1D7	VI EU Domestic DP Infinite EMV Contactless	1.55%	1.65%
V1D8	VI EU Domestic DP Infinite EMV Online Magstripe	1.55%	1.65%
V1D9	VI EU Domestic DP Infinite EMV Online Chip	1.55%	1.65%
V1DI	VI EU Domestic DP Infinite EMV Offline Chip	1.55%	1.65%
V1E9	VI EU Domestic DP Infinite Electronic Commerce	1.80%	2.00%
V1EB	VI EU Domestic DP Infinite Standard	1.90%	2.00%
V1HT	VI EU Domestic CR Infinite EMV Contactless	1.55%	1.65%
V1HU	VI EU Domestic CR Infinite EMV Online Magstripe	1.55%	1.65%
V1HV	VI EU Domestic CR Infinite EMV Online Chip	1.55%	1.65%
V1HW	VI EU Domestic CR Infinite EMV Offline Chip	1.55%	1.65%
V1HX	VI EU Domestic CR Infinite Electronic Commerce	1.80%	2.00%
V1HZ	VI EU Domestic CR Infinite Standard	1.90%	2.00%

Table 6 – Updated Visa Infinite Business Domestic Interchange Program in Finland

New Rate Code	Fee Name	Current Rate	New Rate
V1D7	VI EU Domestic DP Infinite EMV Contactless	1.00%	1.10%
V1D8	VI EU Domestic DP Infinite EMV Online Magstripe	1.00%	1.10%
V1D9	VI EU Domestic DP Infinite EMV Online Chip	1.00%	1.10%
V1DI	VI EU Domestic DP Infinite EMV Offline Chip	1.00%	1.10%
V1E9	VI EU Domestic DP Infinite Electronic Commerce	1.00%	1.10%
V1EB	VI EU Domestic DP Infinite Standard	1.00%	1.10%
V1HT	VI EU Domestic CR Infinite EMV Contactless	1.55%	1.65%
V1HU	VI EU Domestic CR Infinite EMV Online Magstripe	1.55%	1.65%
V1HV	VI EU Domestic CR Infinite EMV Online Chip	1.55%	1.65%
V1HW	VI EU Domestic CR Infinite EMV Offline Chip	1.55%	1.65%
V1HX	VI EU Domestic CR Infinite Electronic Commerce	1.80%	2.00%
V1HZ	VI EU Domestic CR Infinite Standard	1.90%	2.00%

Table 7 – Updated Visa Infinite Business Domestic Interchange Program in France

New Rate Code	Fee Name	Current Rate	New Rate
V1D7	VI EU Domestic DP Infinite EMV Contactless	1.15%	No change
V1D8	VI EU Domestic DP Infinite EMV Online Magstripe	1.15%	No change
V1D9	VI EU Domestic DP Infinite EMV Online Chip	1.15%	No change
V1DI	VI EU Domestic DP Infinite EMV Offline Chip	1.15%	No change
V1E9	VI EU Domestic DP Infinite Electronic Commerce	1.80%	No change
V1EB	VI EU Domestic DP Infinite Standard	1.90%	No change
V1HT	VI EU Domestic CR Infinite EMV Contactless	1.55%	No change
V1HU	VI EU Domestic CR Infinite EMV Online Magstripe	1.55%	No change
V1HV	VI EU Domestic CR Infinite EMV Online Chip	1.55%	No change
V1HW	VI EU Domestic CR Infinite EMV Offline Chip	1.55%	No change
V1HX	VI EU Domestic CR Infinite Electronic Commerce	1.80%	No change
V1HZ	VI EU Domestic CR Infinite Standard	1.90%	No change

Table 8 – Updated Visa Infinite Business Domestic Interchange Program in Germany

New Rate Code	Fee Name	Current Rate	New Rate
V1D7	VI EU Domestic DP Infinite EMV Contactless	2.20%	No change
V1D8	VI EU Domestic DP Infinite EMV Online Magstripe	2.20%	No change
V1D9	VI EU Domestic DP Infinite EMV Online Chip	2.20%	No change
V1DI	VI EU Domestic DP Infinite EMV Offline Chip	2.20%	No change
V1E9	VI EU Domestic DP Infinite Electronic Commerce	2.40%	No change
V1EB	VI EU Domestic DP Infinite Standard	2.40%	No change
V1HT	VI EU Domestic CR Infinite EMV Contactless	2.20%	No change
V1HU	VI EU Domestic CR Infinite EMV Online Magstripe	2.20%	No change
V1HV	VI EU Domestic CR Infinite EMV Online Chip	2.20%	No change
V1HW	VI EU Domestic CR Infinite EMV Offline Chip	2.20%	No change
V1HX	VI EU Domestic CR Infinite Electronic Commerce	2.40%	No change
V1HZ	VI EU Domestic CR Infinite Standard	2.40%	No change

Table 9 – Updated Visa Infinite Business Domestic Interchange Program in Iceland

New Rate Code	Fee Name	Current Rate	New Rate
V1D7	VI EU Domestic DP Infinite EMV Contactless	1.55%	No change
V1D8	VI EU Domestic DP Infinite EMV Online Magstripe	1.55%	No change
V1D9	VI EU Domestic DP Infinite EMV Online Chip	1.55%	No change
V1DI	VI EU Domestic DP Infinite EMV Offline Chip	1.55%	No change
V1E9	VI EU Domestic DP Infinite Electronic Commerce	1.80%	No change
V1EB	VI EU Domestic DP Infinite Standard	1.90%	No change
V1HT	VI EU Domestic CR Infinite EMV Contactless	1.55%	No change
V1HU	VI EU Domestic CR Infinite EMV Online Magstripe	1.55%	No change
V1HV	VI EU Domestic CR Infinite EMV Online Chip	1.55%	No change
V1HW	VI EU Domestic CR Infinite EMV Offline Chip	1.55%	No change
V1HX	VI EU Domestic CR Infinite Electronic Commerce	1.80%	No change
V1HZ	VI EU Domestic CR Infinite Standard	1.90%	No change

Table 10 – Updated Visa Infinite Business Domestic Interchange Program in Ireland

New Rate Code	Fee Name	Current Rate	New Rate
V1D7	VI EU Domestic DP Infinite EMV Contactless	0.45%	No change
V1D8	VI EU Domestic DP Infinite EMV Online Magstripe	1.00%	No change
V1D9	VI EU Domestic DP Infinite EMV Online Chip	1.00%	No change
V1DI	VI EU Domestic DP Infinite EMV Offline Chip	1.00%	No change
V1EA	VI EU Domestic DP Infinite Card Not Present	1.40%	No change
V1EB	VI EU Domestic DP Infinite Standard	1.40%	No change
V1HT	VI EU Domestic CR Infinite EMV Contactless	1.60%	No change
V1HU	VI EU Domestic CR Infinite EMV Online Magstripe	1.60%	No change
V1HV	VI EU Domestic CR Infinite EMV Online Chip	1.60%	No change
V1HW	VI EU Domestic CR Infinite EMV Offline Chip	1.60%	No change
V1HY	VI EU Domestic CR Infinite Card Not Present	1.90%	No change
V1HZ	VI EU Domestic CR Infinite Standard	1.90%	No change

Table 11 – Updated Visa Infinite Business Domestic Interchange Program in Italy

New Rate Code	Fee Name	Current Rate	New Rate
V1D7	VI EU Domestic DP Infinite EMV Contactless	1.70%	No change
V1D8	VI EU Domestic DP Infinite EMV Online Magstripe	1.70%	No change
V1D9	VI EU Domestic DP Infinite EMV Online Chip	1.70%	No change
V1DI	VI EU Domestic DP Infinite EMV Offline Chip	1.70%	No change
V1E9	VI EU Domestic DP Infinite Electronic Commerce	2.00%	No change
V1EB	VI EU Domestic DP Infinite Standard	2.00%	No change
V1HT	VI EU Domestic CR Infinite EMV Contactless	1.70%	No change
V1HU	VI EU Domestic CR Infinite EMV Online Magstripe	1.70%	No change
V1HV	VI EU Domestic CR Infinite EMV Online Chip	1.70%	No change
V1HW	VI EU Domestic CR Infinite EMV Offline Chip	1.70%	No change
V1HX	VI EU Domestic CR Infinite Electronic Commerce	2.00%	No change
V1HZ	VI EU Domestic CR Infinite Standard	2.00%	No change

Table 12 – Updated Visa Infinite Business Domestic Interchange Program in Luxembourg

New Rate Code	Fee Name	Current Rate	New Rate
V1D7	VI EU Domestic DP Infinite EMV Contactless	1.55%	1.65%
V1D8	VI EU Domestic DP Infinite EMV Online Magstripe	1.55%	1.65%
V1D9	VI EU Domestic DP Infinite EMV Online Chip	1.55%	1.65%
V1DI	VI EU Domestic DP Infinite EMV Offline Chip	1.55%	1.65%
V1E9	VI EU Domestic DP Infinite Electronic Commerce	1.80%	2.00%
V1EB	VI EU Domestic DP Infinite Standard	1.90%	2.00%
V1HT	VI EU Domestic CR Infinite EMV Contactless	1.55%	1.65%
V1HU	VI EU Domestic CR Infinite EMV Online Magstripe	1.55%	1.65%
V1HV	VI EU Domestic CR Infinite EMV Online Chip	1.55%	1.65%
V1HW	VI EU Domestic CR Infinite EMV Offline Chip	1.55%	1.65%
V1HX	VI EU Domestic CR Infinite Electronic Commerce	1.80%	2.00%
V1HZ	VI EU Domestic CR Infinite Standard	1.90%	2.00%

Table 13 – Updated Visa Infinite Business Domestic Interchange Program in Malta

New Rate Code	Fee Name	Current Rate	New Rate
V1D7	VI EU Domestic DP Infinite EMV Contactless	1.60%	No change
V1D8	VI EU Domestic DP Infinite EMV Online Magstripe	1.60%	No change
V1D9	VI EU Domestic DP Infinite EMV Online Chip	1.60%	No change
V1DI	VI EU Domestic DP Infinite EMV Offline Chip	1.60%	No change
V1E9	VI EU Domestic DP Infinite Electronic Commerce	1.70%	No change
V1EB	VI EU Domestic DP Infinite Standard	1.85%	No change
V1HT	VI EU Domestic CR Infinite EMV Contactless	1.60%	No change
V1HU	VI EU Domestic CR Infinite EMV Online Magstripe	1.60%	No change
V1HV	VI EU Domestic CR Infinite EMV Online Chip	1.60%	No change
V1HW	VI EU Domestic CR Infinite EMV Offline Chip	1.60%	No change
V1HX	VI EU Domestic CR Infinite Electronic Commerce	1.70%	No change
V1HZ	VI EU Domestic CR Infinite Standard	1.85%	No change

Table 14 – Updated Visa Infinite Business Domestic Interchange Program in the Netherlands

New Rate Code	Fee Name	Current Rate	New Rate
V1D7	VI EU Domestic DP Infinite EMV Contactless	1.30%	1.65%
V1D8	VI EU Domestic DP Infinite EMV Online Magstripe	1.30%	1.65%
V1D9	VI EU Domestic DP Infinite EMV Online Chip	1.30%	1.65%
V1DI	VI EU Domestic DP Infinite EMV Offline Chip	1.30%	1.65%
V1E9	VI EU Domestic DP Infinite Electronic Commerce	1.55%	2.00%
V1EB	VI EU Domestic DP Infinite Standard	1.65%	2.00%
V1HT	VI EU Domestic CR Infinite EMV Contactless	1.30%	1.65%
V1HU	VI EU Domestic CR Infinite EMV Online Magstripe	1.30%	1.65%
V1HV	VI EU Domestic CR Infinite EMV Online Chip	1.30%	1.65%
V1HW	VI EU Domestic CR Infinite EMV Offline Chip	1.30%	1.65%
V1HX	VI EU Domestic CR Infinite Electronic Commerce	1.55%	2.00%
V1HZ	VI EU Domestic CR Infinite Standard	1.65%	2.00%

Table 15 – Updated Visa Infinite Business Domestic Interchange Program in Norway

New Rate Code	Fee Name	Current Rate	New Rate
V1D7	VI EU Domestic DP Infinite EMV Contactless	1.55%	1.65%
V1D8	VI EU Domestic DP Infinite EMV Online Magstripe	1.55%	1.65%
V1D9	VI EU Domestic DP Infinite EMV Online Chip	1.55%	1.65%
V1DI	VI EU Domestic DP Infinite EMV Offline Chip	1.55%	1.65%
V1E9	VI EU Domestic DP Infinite Electronic Commerce	1.80%	2.00%
V1EB	VI EU Domestic DP Infinite Standard	1.90%	2.00%
V1HT	VI EU Domestic CR Infinite EMV Contactless	1.55%	1.65%
V1HU	VI EU Domestic CR Infinite EMV Online Magstripe	1.55%	1.65%
V1HV	VI EU Domestic CR Infinite EMV Online Chip	1.55%	1.65%
V1HW	VI EU Domestic CR Infinite EMV Offline Chip	1.55%	1.65%
V1HX	VI EU Domestic CR Infinite Electronic Commerce	1.80%	2.00%
V1HZ	VI EU Domestic CR Infinite Standard	1.90%	2.00%

Table 16 – Updated Visa Infinite Business Domestic Interchange Program in Sweden

New Rate Code	Fee Name	Current Rate	New Rate
V1D7	VI EU Domestic DP Infinite EMV Contactless	1.55%	1.65%
V1D8	VI EU Domestic DP Infinite EMV Online Magstripe	1.55%	1.65%
V1D9	VI EU Domestic DP Infinite EMV Online Chip	1.55%	1.65%
V1DI	VI EU Domestic DP Infinite EMV Offline Chip	1.55%	1.65%
V1E9	VI EU Domestic DP Infinite Electronic Commerce	1.80%	2.00%
V1EB	VI EU Domestic DP Infinite Standard	1.90%	2.00%
V1HT	VI EU Domestic CR Infinite EMV Contactless	1.55%	1.65%
V1HU	VI EU Domestic CR Infinite EMV Online Magstripe	1.55%	1.65%
V1HV	VI EU Domestic CR Infinite EMV Online Chip	1.55%	1.65%
V1HW	VI EU Domestic CR Infinite EMV Offline Chip	1.55%	1.65%
V1HX	VI EU Domestic CR Infinite Electronic Commerce	1.80%	2.00%
V1HZ	VI EU Domestic CR Infinite Standard	1.90%	2.00%

Table 17 – Updated Visa Infinite Business Domestic Interchange Program in the United Kingdom and Gibraltar

New Rate Code	Fee Name	Current Rate	New Rate
V1HT	VI EU Domestic CR Infinite EMV Contactless	1.60%	No change
V1HU	VI EU Domestic CR Infinite EMV Online Magstripe	1.60%	No change
V1HV	VI EU Domestic CR Infinite EMV Online Chip	1.60%	No change
V1HW	VI EU Domestic CR Infinite EMV Offline Chip	1.60%	No change
V1HY	VI EU Domestic CR Infinite Card Not Present	1.90%	No change
V1HZ	VI EU Domestic CR Infinite Standard	1.90%	No change

_{Published 14 February 2025 | P2024.1998, P2024.0962, P2024.0963, P2024.1041, P2024.1042, P2024.1045}

On 1 April 2025, Visa will introduce a Cyber Threat Protection Fee of 0.0005 USD to improve protection against large-scale fraud attacks. This fee will be applicable to each successful and declined authorization on sales and refund transactions. Reversals and clearings or exceptions disputes will not be charged this fee.

_{Published 10 January 2025 | P2024.0990}

On 1 April 2025, Visa will update their Innovation and Market Development Fee for all settled transactions as follows.

Table – Visa Innovation and Market Development Fees

Fee Name	Country	Current Rate	New Rate (per transaction)
Visa Mkt Innovation Fee Credit	Italy, Luxembourg¹, Cyprus	-	0.0200%
	Austria	-	0.0500%
	Belgium	-	0.0100%
	Germany	-	0.0070%
	Portugal	-	0.0040%
	Czech Republic	-	0.0800%
	Denmark, Norway, Spain	-	0.0025%
	Finland, Sweden, Switzerland	-	0.0050%
	Netherlands	0.015%	0.0250%
Visa Mkt Innovation Fee Debit	Italy, Austria, Cyprus	-	0.0200%
	Belgium	-	0.0100%
	Germany	-	0.0070%
	Luxembourg¹	-	0.0060%
	Netherlands, Finland, Sweden	-	0.0050%
	Portugal	-	0.0040%
	Czech Republic	-	0.0800%
	Denmark, Norway, Spain, Switzerland	-	0.0025%

_{1. Fee only applies to card-present and merchant initiated transactions.}

_{Published 10 January 2025 | P2024.1899}

On 14 March 2025, the following domestic interchange rates for Visa Infinite Business transaction will be updated as shown below.

Table – Visa Infinite Business Domestic Interchange Rates in France

Rate Code	Fee Name	New Rate
V1D7¹	VI EU Domestic DP Infinite EMV Contactless	1.55%
V1D8	VI EU Domestic DP Infinite EMV Online Magstripe	1.55%
V1D9	VI EU Domestic DP Infinite EMV Online Chip	1.55%
V1DI	VI EU Domestic DP Infinite EMV Offline Chip	1.55%
V1E9	VI EU Domestic DP Infinite Electronic Commerce	1.90%
V1HX	VI EU Domestic CR Infinite Electronic Commerce	1.90%
V1CL	VI EU Domestic DP Platinum Standard	1.90%

_{1. Cardholder Verification Limit is 50 EUR.}

_{Published 14 February 2025 | P2024.112}₅

Update: Visa has moved the effective date of the new domestic commercial interchange fees to 25 January 2025, from 18 January 2025, and updated the list of interchange fees shown below.

On 25 January 2025, Visa will implement new domestic commercial interchange fees for Visa Business, Visa Business Infinite Platinum, Visa Purchasing, and Visa Corporate.

Table 1 – Visa Business New Commercial Interchange Fees

Rate Code	Fee Name	New Rate
V111	VI Spain Business Tier 1 Debit Prepaid Standard	0.32 EUR
V112	VI Spain Business Tier 1 Low Value	0.72%
V113	VI Spain Business Tier 1 Government	0.72%
V114	VI Spain Business Tier 1 Government Max	1.50 EUR
V115	VI Spain Business Tier 1 Credit Standard	0.76%

Table 2 – Visa Business Infinite Platinum New Commercial Interchange Fees

Rate Code	Fee Name	New Rate
V116	VI Spain Business Infinite Platinum T1 Debit Prepaid Standard	0.35 EUR
V117	VI Spain Business Infinite Platinum Tier 1 Low Value	0.72% + 0.03 EUR
V118	VI Spain Business Infinite Platinum Tier 1 Government	0.72% + 0.03 EUR
V119	VI Spain Business Infinite Platinum Tier 1 Government Max	1.50 EUR
V120	VI Spain Business Infinite Platinum Tier 1 Credit Standard	0.76% + 0.03 EUR

Table 3 – Visa Purchasing New Commercial Interchange Fees

Rate Code	Fee Name	New Rate
V121	VI Spain Purchasing Low Value	0.72%
V164	VI Spain Purchasing Government	0.72%
V165	VI Spain Purchasing Government Max	1.50 EUR
V166	VI Spain Purchasing Standard	0.76%

Table 4 – Visa Corporate New Commercial Interchange Fees

Rate Code	Fee Name	New Rate
V167	VI Spain Corporate Credit Low Value	0.72%
V168	VI Spain Corporate Credit Government	0.72%
V169	VI Spain Corporate Credit Government Max	1.50 EUR
V170	VI Spain Corporate Credit Standard	0.76%
V177	VI Spain Corporate Debit Standard	0.32 EUR

_{Updated 10 January 2025 | P2024.1035

Published 13 September 2024 | P2024.1035}

On 25 January 2025, Visa will revise their domestic interchange rates for Visa Infinite Business transactions as follows.

Table 1 – Visa Infinite Business Domestic Interchange Rates in Czech Republic

Rate Code	Fee Name	New Rate
V1D7¹	VI EU Domestic DP Infinite EMV Contactless	1.95%
V1D8	VI EU Domestic DP Infinite EMV Online Magstripe	1.95%
V1D9	VI EU Domestic DP Infinite EMV Online Chip	1.95%
V1DI	VI EU Domestic DP Infinite EMV Offline Chip	1.95%
V1E9	VI EU Domestic DP Infinite Electronic Commerce	1.95%
V1EB	VI EU Domestic DP Infinite Standard	1.95%
V1HT¹	VI EU Domestic CR Infinite EMV Contactless	1.95%
V1HU	VI EU Domestic CR Infinite EMV Online Magstripe	1.95%
V1HV	VI EU Domestic CR Infinite EMV Online Chip	1.95%
V1HW	VI EU Domestic CR Infinite EMV Offline Chip	1.95%
V1HX	VI EU Domestic CR Infinite Electronic Commerce	1.95%
V1HZ	VI EU Domestic CR Infinite Standard	1.95%

Table 2 – Visa Infinite Business Domestic Interchange Rates in Germany

Rate Code	Fee Name	New Rate
V1D7²	VI EU Domestic DP Infinite EMV Contactless	2.20%
V1D8	VI EU Domestic DP Infinite EMV Online Magstripe	2.20%
V1D9	VI EU Domestic DP Infinite EMV Online Chip	2.20%
V1DI	VI EU Domestic DP Infinite EMV Offline Chip	2.20%
V1E9	VI EU Domestic DP Infinite Electronic Commerce	2.40%
V1EB	VI EU Domestic DP Infinite Standard	2.40%
V1HT²	VI EU Domestic CR Infinite EMV Contactless	2.20%
V1HU	VI EU Domestic CR Infinite EMV Online Magstripe	2.20%
V1HV	VI EU Domestic CR Infinite EMV Online Chip	2.20%
V1HW	VI EU Domestic CR Infinite EMV Offline Chip	2.20%
V1HX	VI EU Domestic CR Infinite Electronic Commerce	2.40%
V1HZ	VI EU Domestic CR Infinite Standard	2.40%

Table 3 – Visa Infinite Business Domestic Interchange Rates in Italy

Rate Code	Fee Name	New Rate
V1D7²	VI EU Domestic DP Infinite EMV Contactless	1.70%
V1D8	VI EU Domestic DP Infinite EMV Online Magstripe	1.70%
V1D9	VI EU Domestic DP Infinite EMV Online Chip	1.70%
V1DI	VI EU Domestic DP Infinite EMV Offline Chip	1.70%
V1E9	VI EU Domestic DP Infinite Electronic Commerce	2.00%
V1EB	VI EU Domestic DP Infinite Standard	2.00%
V1HT²	VI EU Domestic CR Infinite EMV Contactless	1.70%
V1HU	VI EU Domestic CR Infinite EMV Online Magstripe	1.70%
V1HV	VI EU Domestic CR Infinite EMV Online Chip	1.70%
V1HW	VI EU Domestic CR Infinite EMV Offline Chip	1.70%
V1HX	VI EU Domestic CR Infinite Electronic Commerce	2.00%
V1HZ	VI EU Domestic CR Infinite Standard	2.00%

_{1. Cardholder Verification Method limit is 500 CZK.

2. Cardholder Verification Method limit is 50 EUR.}

_{Published 15 October 2024 | P2024.1041, P2024.1042, P2024.1045, P2024.1125}

Update: Visa moved the effective date of their Processing Integrity Program to 1 October 2024 from 1 July 2024.

Visa will begin monitoring their Processing Integrity Program and the fees listed in the table below will be assessed for domestic and international transactions. These fees will apply when transactions are not authorized, reversed or cleared as required. The rates will increase on 1 July 2024.

Table – Visa Processing Integrity Fees

Fee Name	Description	Rate Effective 1 July 2023 (per transaction)	Rate Effective 1 July 2024 (per transaction)
Misuse of Authorization System	Per-transaction fee assessed monthly for each authorization that cannot be matched to a clearing transaction (or authorization reversal) within the required time frame	0.01 USD	0.05 USD
Misuse of Authorization System - Merch Return	Per-transaction fee assessed monthly for each merchandise return (refund) authorization that cannot be matched to a clearing transaction (or authorization reversal) within the required time frame	0.01 USD	0.05 USD
Unmatched Clearing	Per-transaction fee assessed monthly for each clearing transaction that cannot be matched to an authorization within the defined time frame	0.01 USD	0.05 USD
Unmatched Clearing - Merch Return	Per-transaction fee assessed monthly for each return clearing transaction that cannot be matched to an authorization within the defined time frame	0.01 USD	0.05 USD

_{Updated 15 October 2024 | P2024.1447

Updated 13 October 2023 | P2023.0067}
_{Published 14 April 2023}

On 18 October 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

Rate Code	Fee Name	New Rate
VC4V	Visa Global B2B Virtual CommercialChoice Travel-Prog 22	2.10%
VC5V	Visa Global B2B Virtual CommercialChoice Travel-Prog 23	2.20%
VC6V	Visa Global B2B Virtual CommercialChoice Travel-Prog 24	2.30%
VC7V	Visa Global B2B Virtual CommercialChoice Travel-Prog 25	2.40%
VC8V	Visa Global B2B Virtual CommercialChoice Travel-Prog 26	2.50%
VC9V	Visa Global B2B Virtual CommercialChoice Travel-Prog 27	2.60%
VD1V	Visa Global B2B Virtual CommercialChoice Travel-Prog 28	2.70%
VD2V	Visa Global B2B Virtual CommercialChoice Travel-Prog 29	2.80%
VD3V	Visa Global B2B Virtual CommercialChoice Travel-Prog 30	2.90%
VD4V	Visa Global B2B Virtual CommercialChoice Travel-Prog 31	3.00%
VE4V	Visa Global B2B Virtual CommercialChoice Travel-Prog 40	0.85%
VE5V	Visa Global B2B Virtual CommercialChoice Travel-Prog 41	0.95%
VE6V	Visa Global B2B Virtual CommercialChoice Travel-Prog 42	1.05%
VE7V	Visa Global B2B Virtual CommercialChoice Travel-Prog 43	1.15%
VE8V	Visa Global B2B Virtual CommercialChoice Travel-Prog 44	1.25%
VE9V	Visa Global B2B Virtual CommercialChoice Travel-Prog 45	1.35%
VF1V	Visa Global B2B Virtual CommercialChoice Travel-Prog 46	1.45%
VF2V	Visa Global B2B Virtual CommercialChoice Travel-Prog 47	1.55%
VF3V	Visa Global B2B Virtual CommercialChoice Travel-Prog 48	1.65%
VF4V	Visa Global B2B Virtual CommercialChoice Travel-Prog 49	1.75%
VF5V	Visa Global B2B Virtual CommercialChoice Travel-Prog 50	1.85%
VF6V	Visa Global B2B Virtual CommercialChoice Travel-Prog 51	1.95%
VF7V	Visa Global B2B Virtual CommercialChoice Travel-Prog 52	2.05%
VF8V	Visa Global B2B Virtual CommercialChoice Travel-Prog 53	2.15%
VF9V	Visa Global B2B Virtual CommercialChoice Travel-Prog 54	2.25%
VG1V	Visa Global B2B Virtual CommercialChoice Travel-Prog 55	2.35%
VG2V	Visa Global B2B Virtual CommercialChoice Travel-Prog 56	2.45%
VG3V	Visa Global B2B Virtual CommercialChoice Travel-Prog 57	2.55%
VG4V	Visa Global B2B Virtual CommercialChoice Travel-Prog 58	2.65%
VG5V	Visa Global B2B Virtual CommercialChoice Travel-Prog 59	2.75%
VG6V	Visa Global B2B Virtual CommercialChoice Travel-Prog 60	2.85%
VG7V	Visa Global B2B Virtual CommercialChoice Travel-Prog 61	2.95%

Table 2 – Visa Commercial Omni Program New Interchange Rates

Rate Code	Fee Name	New Rate
VC4F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 22	2.10%
VC5F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 23	2.20%
VC6F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 24	2.30%
VC7F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 25	2.40%
VC8F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 26	2.50%
VC9F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 27	2.60%
VD1F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 28	2.70%
VD2F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 29	2.80%
VD3F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 30	2.90%
VD4F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 31	3.00%
VE4F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 40	0.85%
VE5F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 41	0.95%
VE6F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 42	1.05%
VE7F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 43	1.15%
VE8F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 44	1.25%
VE9F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 45	1.35%
VF1F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 46	1.45%
VF2F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 47	1.55%
VF3F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 48	1.65%
VF4F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 49	1.75%
VF5F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 50	1.85%
VF6F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 51	1.95%
VF7F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 52	2.05%
VF8F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 53	2.15%
VF9F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 54	2.25%
VG1F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 55	2.35%
VG2F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 56	2.45%
VG3F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 57	2.55%
VG4F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 58	2.65%
VG5F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 59	2.75%
VG6F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 60	2.85%
VG7F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 61	2.95%

_{1. Formerly known as Visa B2B Payments Program.

2. Formerly known as Visa Flexible Rate B2B Virtual Program.}

_{Published 15 July 2024 | P2024.0632}

Effective 11 May 2024, Visa will update their domestic interchange rates for Visa Platinum Business, Visa Infinite Business, Visa Business¹, Visa Corporate¹, Visa Purchasing¹ shown on tables 1 and 2. Visa will also be discontinuing the fees listed in table 3.

Table 1 – New Visa Domestic Interchange Rates for Visa Platinum Business and Infinite Business Commercial Card transactions

Rate Code	Fee Name	New Rate
V1BA	VI EU Domestic DP Business EMV Contactless	1.00%
V1BB	VI EU Domestic DP Business EMV Online Magstripe	1.00%
V1BC	VI EU Domestic DP Business EMV Online Chip	1.00%
V1BD	VI EU Domestic DP Business EMV Offline Chip	1.00%
V1BE	VI EU Domestic DP Business EMV Electronic Commerce	1.25%
V1CA	VI EU Domestic CR Infinite Platinum EMV Contactless	1.70%
V1CB	VI EU Domestic CR Infinite Platinum EMV Online Magstripe	1.70%
V1CC	VI EU Domestic CR Infinite Platinum EMV Online Chip	1.70%
V1CD	VI EU Domestic CR Infinite Platinum EMV Offline Chip	1.70%
V1CE	VI EU Domestic CR Infinite Platinum Electronic Commerce	1.95%
V1CF	VI EU Domestic CR Infinite Platinum Standard	1.95%
V1CG	VI EU Domestic D Infinite Platinum EMV Contactless	1.25%
V1CH	VI EU Domestic D Infinite Platinum EMV Online Magstripe	1.25%
V1CI	VI EU Domestic D Infinite Platinum EMV Online Chip	1.25%
V1CJ	VI EU Domestic D Infinite Platinum EMV Offline Chip	1.25%
V1CK	VI EU Domestic D Infinite Platinum Electronic Commerce	1.50%
V1CL	VI EU Domestic D Infinite Platinum Standard	1.50%

Table 2 – Visa Updated Domestic Interchange Rates for Visa Business, Corporate and Purchasing Commercial Cards

Rate Code	Fee Name	Current Rate	New Rate
V1AV	VI EU Domestic CR Business Standard	1.65%	1.70%
V1B0	VI EU Domestic CR Business Electronic Commerce	1.55%	1.70%
V1BF	VI EU Domestic DP Business Standard	1.55%	1.25%
V1CM	VI EU Domestic CR Corporate Standard	1.85%	2.00%
V1CS	VI EU Domestic CR Corporate Electronic Commerce	1.80%	2.00%
V1E6	VI EU Domestic CR Purchasing Standard	1.85%	2.00%
V1E4	VI EU Domestic CR Purchasing Electronic Commerce	1.80%	2.00%

Table 3 – Discontinued Domestic Interchange Rates and Fees for Commercial Card Transactions

Rate Code	Fee Name
V1BV	VI EU Domestic DP Bus Infin Plat Secure EMV Contactless
V1BW	VI EU Domestic DP Bus Infin Plat Secure EMV Online Magstripe
V1BX	VI EU Domestic DP Bus Infin Plat Secure EMV Online Chip
V1BY	VI EU Domestic DP Bus Infin Plat Secure EMV Offline Chip
V1BZ	VI EU Domestic DP Bus Infin Plat Secure Electronic Commerce
V1BQ	VI EU Domestic CR Infinite Platinum Electronic Authorised
V1BR	VI EU Domestic CR Infinite Platinum EMV Contactless
V1BS	VI EU Domestic CR Infinite Platinum EMV Online Magstripe
V1BT	VI EU Domestic CR Infinite Platinum EMV Online Chip
V1BU	VI EU Domestic CR Infinite Platinum EMV Offline Chip
V1C4	VI EU Domestic CR Infinite Platinum Electronic Commerce
V1BP	VI EU Domestic CR Infinite Platinum Standard
V1C0	VI EU Domestic DP Infinite Platinum Standard

_{1. Interchange rates for EMV^® chip, including contactless chip, transactions remain the same.}

_{Published 15 March 2024 | P2023.1775}

Starting 22 April 2022, Visa introduced a new Non-Domestic Currency Settlement Volume Fee for transactions under the following conditions:

When a transaction is identified as cross-border – Intraregional or Interregional
When a transaction is settled in a different currency from the local currency of the merchant country where the transaction is completed

Table 1 – Visa Transaction Scenario Guide

Area of Event	Merchant Country	Card-Issuing Country	Settlement Currency	Fee Applied
Domestic	Ireland	Ireland	EUR	No
Intraregional	Ireland	UK	GBP	Yes¹
Interregional	Ireland	US	EUR	No
Domestic	UK	UK	EUR	No
Intraregional	UK	Ireland	EUR	Yes¹
Interregional	UK	US	EUR	Yes¹

Table 2 – Visa Non-Domestic Currency Settlement Volume Fee

Fee Name	Effective Date	Fee
VI Non-Dom CCY Stlmnt Fee	22 April 2022	0.02%
	14 April 2023	0.05%
	12 April 2024	0.10%

_{1. Refer to Table 2 for the fee applied.}

_{Republished 15 April 2024 | P2024.0353

Updated 15 March 2023 | P2021.0329a

Published 21 March 2022 | P2021.0329a}

Effective 13 April 2024, Visa will add prepaid as a new funding source for Visa Platinum Business, Visa Infinite Business and Visa Corporate and will follow these changes:

Prepaid interchange rates for Visa Platinum Business and Visa Infinite Business will be the same with Visa Platinum Business Debit and Visa Infinite Business Debit (except for domestic Switzerland transactions)
Prepaid interchange rates for Visa Corporate will be the same with Visa Corporate credit and deferred debit (except for domestic Switzerland transactions)
Prepaid interchange rates in Switzerland for Visa Platinum Business and Visa Infinite Business will be the same as Visa Platinum Business credit and Visa Infinite Business credit rates
In the United Kingdom, Visa will introduce interchange rates for Visa Platinum Business and Visa Infinite Business prepaid transactions as shown in table 1. Debit transactions will have new rate codes and retain the same interchange rates as shown in table 2.

Table 1 – Visa Platinum Business and Visa Infinite Business Prepaid Programs in the United Kingdom

New Rate Code	Fee Name	New Rate
V1DP	VI GB Domestic P Infinite Platinum EMV Contactless	1.65%
V1DQ	VI GB Domestic P Infinite Platinum EMV Online Magstripe	1.65%
V1DR	VI GB Domestic P Infinite Platinum EMV Online Chip	1.65%
V1DS	VI GB Domestic P Infinite Platinum EMV Offline Chip	1.65%
V1DT	VI GB Domestic P Infinite Platinum Card Not Present	1.65%
V1DU	VI GB Domestic P Infinite Platinum Standard	1.65%

Table 2 – Visa Platinum Business and Visa Infinite Business Debit Programs in the United Kingdom

Current Rate Code	New Rate Code	Fee Name	Rate
V1CG	V1DV	VI GB Domestic D Infinite Platinum EMV Contactless	0.75%
V1CH	V1DJ	VI GB Domestic D Infinite Platinum EMV Online Magstripe	1.00%
V1CI	V1DK	VI GB Domestic D Infinite Platinum EMV Online Chip	1.00%
V1CJ	V1DL	VI GB Domestic D Infinite Platinum EMV Offline Chip	1.00%
V1CY	V1DM	VI GB Domestic D Infinite Platinum Card Not Present	1.40%
V1CL	V1DN	VI GB Domestic D Infinite Platinum Standard	1.40%

_{Published 15 March 2024 | P2023.1855; P2023.1779}

Effective 13 April 2024, Visa will introduce and update interchange fees shown in the tables below.

Table 1 – New Visa Commercial Interchange Fees

Rate Code	Fee Name	New Fee
V134	VIEU Intra-EEA Business E-Comm PP Plat & Infin MIN¹	0.35 EUR
V135	VIEU Intra-EEA Business Standard PP Plat & Infin MIN¹	0.35 EUR
V136	VIEU Domestic Business E-Comm PP Plat & Infin MIN²	0.35 EUR
V137	VIEU Domestic Business Standard PP Plat & Infin MIN²	0.35 EUR

Table 2 – Updated Visa Commercial Interchange Rates for Domestic Transactions

Rate Code	Fee Name	New Rate
V1CA	VI EU Domestic CR Infinite Platinum EMV Contactless³	1.55%
V1CB	VI EU Domestic CR Infinite Platinum EMV Online Magstripe³	1.55%
V1CC	VI EU Domestic CR Infinite Platinum EMV Online Chip³	1.55%
V1CD	VI EU Domestic CR Infinite Platinum EMV Offline Chip³	1.55%
V1CG	VI EU Domestic D Infinite Platinum EMV Contactless⁴	1.55%
V1CH	VI EU Domestic D Infinite Platinum EMV Online Magstripe⁴	1.55%
V1CI	VI EU Domestic D Infinite Platinum EMV Online Chip⁴	1.55%
V1CJ	VI EU Domestic D Infinite Platinum EMV Offline Chip⁴	1.55%
V1CF	VI EU Domestic CR Infinite Platinum Standard³	1.90%
V1CL	VI EU Domestic D Infinite Platinum Standard³	1.90%
V1B0	VI EU Domestic CR Business Electronic Commerce⁵	1.65%
V1B8	VI EU Domestic D Business Electronic Commerce⁵	1.65%
V1BK	VI EU Domestic P Business Electronic Commerce⁵	1.65%
V1CE	VI EU Domestic CR Infinite Platinum Electronic Commerce⁵	1.90%
V1CK	VI EU Domestic D Infinite Platinum Electronic Commerce⁵	1.90%
V1CS	VI EU Domestic CR Corporate Electronic Commerce⁵	1.90%
V1E4	VI EU Domestic CR Purchasing Electronic Commerce⁵	1.90%
V1D5	VI EU Domestic CR Purchasing Electronic Commerce VGIS⁵	1.90% - 0.50 EUR
V1DF	VI EU Domestic CR Purchasing Electronic Commerce LID⁵	1.90% - 0.50 EUR
VVAR	France Domestic Visa Business Ecommerce Debit	1.65%

Table 3 – Updated Visa Commercial Intra-EEA Interchange Rates

Rate Code	Fee Name	New Rate
VEFP	Visa EU Intra-EEA Business eCommerce Debit - Group A	1.65%
VEF2	Visa Europe Intra-EEA Ecomm BUS Prepaid	1.65%
VV08	Visa Europe Intra-EEA Business Platinum eCommerce	1.90%
VV11	Visa Europe Intra-EEA Business Infinite eCommerce	1.90%
VV21	Visa EU Intra-EEA BUS eCommerce Dbt - Charity - Group B	1.65%
VV27	Visa EU Intra-EEA BUS eComm Debit - Money Services - Group B	1.65%
VV33	Visa EU Intra-EEA BUS Platinum Debit eCom - Group A	1.90%
VV34	Visa EU Intra-EEA BUS Infinite Debit eCom - Group A	1.90%
VV39	Visa EU Intra-EEA BUS Platinum Debit eCom - Group B	1.90%
VV40	Visa EU Intra-EEA BUS Infinite Debit eCom - Group B	1.90%
VV49	Visa EU Intra-EEA BUS Plat & Infin eComm Dbt - Charity (B)	1.90%
VV55	Visa EU Intra-EEA BUS Plat & Infin eComm Dbt Money Serv (B)	1.90%
VVAA	Visa Europe Intra-EEA BUS eCommerce	1.65%
VVAB	Visa Europe Intra-EEA CORP / PUR eCommerce	1.90%
VVAP	Visa EU Intra-EEA Business eCommerce Debit - Group B	1.65%

_{1.     Rate applies to EEA Countries: Andorra, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland (including Aland Islands), France (including French Guiana, Guadeloupe, Martinique, Mayotte, Reunion, Saint Barthelemy, Saint Martin), Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal (including Azores, Madeira), Romania, Slovakia, Slovenia, Spain (including Canary Islands, Ceuta, Melilla), and Sweden.

2.     Rate applies to Austria, Belgium, Denmark, France, Iceland, Luxembourg, the Netherlands, Norway, and Sweden.

3.     Rate applies to the Netherlands.

4.     Rate applies to France and the Netherlands.

5.     Rate applies to Austria, Belgium, Denmark, Finland, France, Iceland, Luxembourg, the Netherlands, Norway, and Sweden.}

_{Published 15 March 2024 | P2023.1877}

Effective 1 April 2024, Visa will revise their interchange fees for consumer debit card transactions listed in the table.

Table – Visa Revised Consumer Interchange Fees

Rate Code	Fee Name	Current Rate	New Rate
V1AD	VI EU Domestic DP Secure-EMV Contactless	0.20%	0.10%
V1AE	VI EU Domestic DP Secure-EMV Online Magstripe	0.20%	0.10%
V1AF	VI EU Domestic DP Secure-EMV Online Chip	0.20%	0.10%
V1AG	VI EU Domestic DP Secure-EMV Offline Chip	0.20%	0.10%
V1AH	VI EU Domestic DP Secure Electronic Commerce	0.20%	0.10%
V1AI	VI EU Domestic DP Non-Secure Standard	0.20%	0.10%
V1AJ	VI EU Domestic VPAY Standard	0.20%	0.10%

_{Note: All the above rates are capped at 0.05 EUR per transaction.}

_{Published 15 March 2024 | P2023.2058}

On 1 April 2024, Visa will charge a new VI Integrity Risk Fee of 0.10% + 0.02 USD for high-integrity risk transactions with the below merchant category codes.

5967: Direct Marketing - Inbound Teleservices Merchant
6012: Financial Institutions - Merchandise, Services, and Debt Repayment (with Special Indicator 7)
6051: Non-financial Institutions – Foreign Currency, Liquid and Cryptocurrency Asses (example: Cryptocurrency), Money Orders (Not Money Transfer), Account Funding (not Stored Value Load), Travelers Cheques, and Debt Repayment (with Special Condition Indicator 7)
7273: Dating Services

_{Published 12 January 2024 | P2023.1786}

Mastercard®

On 11 May 2025, the Mastercard Connectivity Fee will be updated to 0.0022 EUR per transaction from 0.0017 EUR previously. This fee is based on data usage for both authorizations and deposit transactions.

_{Published 15 April 2025}

Mastercard is now monitoring the Acquirer Skipping Exemption Flag in the Auth edit under their Data Integrity Monitoring Program (DIMP). All corporate product codes and Security Level Indicator downgrades will be excluded from monitoring in this edit.

_{Published 15 April 2025 | P2025.0416}

Update: Mastercard changed the effective date of all new rates below to 1 October 2025, from 1 May 2025.

Effective 1 October 2025, Mastercard will update their interchange rates for commercial debit products as shown below.

Table 1 – Mastercard commercial debit interchange rates in Denmark

Rate Code	Fee Name	Current Sales Rate	New Sales Rate	Current Refund Rate (85%)	New Refund Rate (85%)
M1CG	MC EU Domestic Business Premium Contactless	0.90%	1.500%	-0.6750%	1.1250%
M1CJ	MC EU Domestic Business Premium Enhanced Electronic	0.95%	1.600%	-0.7125%	1.2000%
M1CK	MC EU Domestic Business Premium Base	1.05%	1.900%	-0.7875%	1.4250%
M1CC	MC EU Domestic Business Premium Contactless Terminal	0.90%	1.500%	-0.6750%	1.1250%
M1CE	MC EU Domestic Business Premium Contactless Card	0.90%	1.500%	-0.6750%	1.1250%
M1CI	MC EU Domestic Business Premium Chip	0.90%	1.500%	-0.6750%	1.1250%
M1FB	MC EU Domestic DMC Business Contactless	0.40%	1.250%	-0.3000%	0.9375%
M1FE	MC EU Domestic DMC Business Enhanced Electronic	0.45%	1.350%	-0.3375%	1.0125%
M1FF	MC EU Domestic DMC Business Base	0.55%	1.650%	-0.4125%	1.2375%
M1F7	MC EU Domestic DMC Business Contactless Terminal	0.40%	1.250%	-0.3000%	0.9375%
M1F9	MC EU Domestic DMC Business Contactless Card	0.40%	1.250%	-0.3000%	0.9375%
M1FD	MC EU Domestic DMC Business Chip	0.40%	1.250%	-0.3000%	0.9375%
M1ER	MC EU Dom DMC Corporate Prepaid Contactless	0.40%	1.250%	-0.3000%	0.9375%
M1EU	MC EU Dom DMC Corporate Prepaid Enhanced Electronic	0.45%	1.350%	-0.3375%	1.0125%
M1EV	MC EU Dom DMC Corporate Prepaid Base	0.55%	1.650%	-0.4125%	1.2375%
M1EM	MC EU Dom DMC Corporate Prepaid Contactless Terminal	0.40%	1.250%	-0.3000%	0.9375%
M1EQ	MC EU Dom DMC Corporate Prepaid Contactless	0.40%	1.250%	-0.3000%	0.9375%
M1ET	MC EU Dom DMC Corporate Prepaid Chip	0.40%	1.250%	-0.3000%	0.9375%

Table 2 – Mastercard commercial debit interchange rates in Finland

Rate Code	Fee Name	Current Sales Rate	New Sales Rate	Current Refund Rate (85%)	New Refund Rate (85%)
M1CG	MC EU Domestic Business Premium Contactless	0.75%	1.500%	-0.638%	1.2750%
M1CH	MC EU Domestic Business Premium Chip & Pin	0.75%	1.500%	-0.638%	1.2750%
M1CJ	MC EU Domestic Business Premium Enhanced Electronic	0.75%	1.600%	-0.638%	1.3600%
M1CK	MC EU Domestic Business Premium Base	0.75%	1.900%	-0.638%	1.6150%
M1FB	MC EU Domestic DMC Business Contactless	0.70%	1.250%	-0.595%	1.0625%
M1FC	MC EU Domestic DMC Business Chip & Pin	0.70%	1.250%	-0.595%	1.0625%
M1FE	MC EU Domestic DMC Business Enhanced Electronic	0.80%	1.350%	-0.680%	1.1475%
M1FF	MC EU Domestic DMC Business Base	1.00%	1.650%	-0.850%	1.4025%
M1ER	MC EU Dom DMC Corporate Prepaid Contactless	0.70%	1.250%	-0.595%	1.0625%
M1ES	MC EU Dom DMC Corporate Prepaid Chip & Pin	0.70%	1.250%	-0.595%	1.0625%
M1EU	MC EU Dom DMC Corporate Prepaid Enhanced Electronic	0.80%	1.350%	-0.680%	1.1475%
M1EV	MC EU Dom DMC Corporate Prepaid Base	1.00%	1.650%	-0.850%	1.4025%

_{Updated 15 April 2025 | P2025.0212u1

Published 14 March 2025 | P2025.0212}

Starting 1 April 2025, Mastercard will exclude all Wholesale Travel Program product codes from their Customer Performance Development Fund (CPDF) and fee collections.

_{Published 14 March 2025 | P2024.1306u2}

Mastercard will make the following changes¹ to their Advanced Digital Transaction Services.

7 April 2025 – Mastercard Digital Enablement Service (MDES)² authenticated transactions will no longer be charged the Card Validation Code 2 (CVC2) and the Address Verification System (AVS) fees
6 October 2025 – Mastercard Address Verification Service Fee will be updated to 0.0120 EUR from 0.0100 EUR

_{1. This change applies to Austria, Belgium, Cyprus, Czech Republic, Denmark, Finland, France, Germany, Iceland, Ireland, Italy, Luxembourg, Malta, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom}2. MDES is a platform to make digital payments using tokens instead of card numbers, which helps secure digital payments and reduce fraud.

_{Published 14 March 2025 | P2021.0720b, P2021.0723b, P2021.0720c, P2021.0723c, P2021.0724c, P2021.0724b}

Mastercard removed the minimum interchange rate of 0.02 CHF for card-not-present (CNP) debit transactions. Instead, a regular rate of 0.31% will be charged. Because of this change, the following rate codes will no longer be in use.

Table – Mastercard discontinued rate codes

Rate Code	Fee Name
MSW6	Switzerland Debit MC Contactless Digital Wallet Minimum
MSW9	Switzerland Debit Mastercard Base Minimum
MSWX	Switzerland Debit Mastercard Merchant UCAF Minimum
MSWZ	Switzerland Debit Mastercard Full UCAF Minimum
MX8M	Switzerland Maestro Secure e-Commerce <=CHF 40 Min

_{Published 14 March 2025 | P2025.0211}

On 11 April 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

Product Codes

WAA, WAB, WAC, WAD, WAE,WAF, WAG, WAH, WAI, WAJ, WAK, WAL, WAM, WAN, WAO, WAP,WAQ, WAT, WAU, WAV, WAW, WAX, WAY, WAZ, WBA, WBB, WBC, WBD, WBF, WBG, WBH, WBI, WBJ, WBK, WBL

Table 2 – Mastercard Flex Program Supported Countries

Region	Country
Asia Pacific	Hong Kong SAR, Indonesia, Japan, New Zealand, Philippines, Singapore, Thailand, and Vietnam
Europe	Aland Islands, Andorra, Antartica, Ascension and Tristan Da Cunha, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denamrk, Estonia, Falkland Islands (Malvinas), Faroe Islands, Finland, France, French Guiana, Germany, Gibraltar, Greece, Greenland, Guadeloupe, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Martinique, Mayotte, Monaco, Netherlands, Norway, Poland, Portugal, Reunion, Romania, Saint Barthelemy, Saint Martin (French), San Marino, Slovakia, Slovenia, Spain, St. Helena, Svalbard and Jan Mayen, Sweden, Switzerland, United Kingdom, and Vatican City
Latin America and the Caribbean	Brazil, Colombia, Jamaica, Panama, Puerto Rico, Trinidad and Tobago, and U.S. Virgin Islands
Middle East and Africa	Bahrain, Egypt, Ghana, Kuwait, Oman, Qatar, Saudi Arabia, and United Arab Emirates
North America	Canada and USA

Table 3 – Mastercard Flex Program Country Transaction Threshold

Card Issuer Country	Threshold
Colombia, Jamaica, Japan, New Zealand, Panama, Puerto Rico, Trinidad & Tobago, and U.S. Virgin Islands	10,000 USD
Hong Kong SAR, Philippines, Singapore, Thailand, and Vietnam	6,000 USD
Indonesia	3,000 USD
Brazil	55,000 BRL

Table 4 – Mastercard Flex Program Interchange Rates

Rate Code	Fee Name	Product Code	Rate
M01F	MC B2B Flex Product 1 - WAA	WAA	0.50%
M02F	MC B2B Flex Product 2 - WAB	WAB	0.55%
M03F	MC B2B Flex Product 3 - WAC	WAC	0.60%
M04F	MC B2B Flex Product 4 - WAD	WAD	0.65%
M05F	MC B2B Flex Product 5 - WAE	WAE	0.70%
M06F	MC B2B Flex Product 6 - WAF	WAF	0.75%
M07F	MC B2B Flex Product 7 - WAG	WAG	0.80%
M08F	MC B2B Flex Product 8 - WAH	WAH	0.85%
M09F	MC B2B Flex Product 9 - WAI	WAI	0.90%
M10F	MC B2B Flex Product 10 - WAJ	WAJ	0.95%
M11F	MC B2B Flex Product 11 - WAK	WAK	1.00%
M12F	MC B2B Flex Product 12 - WAL	WAL	1.05%
M13F	MC B2B Flex Product 13 - WAM	WAM	1.10%
M14F	MC B2B Flex Product 14 - WAN	WAN	1.15%
M15F	MC B2B Flex Product 15 - WAO	WAO	1.20%
M16F	MC B2B Flex Product16 - WAP	WAP	1.25%
M17F	MC B2B Flex Product17 - WAQ	WAQ	1.30%
M18F	MC B2B Flex Product18 - WAT	WAT	1.35%
M19F	MC B2B Flex Product19 - WAU	WAU	1.40%
M20F	MC B2B Flex Product20 - WAV	WAV	1.45%
M21F	MC B2B Flex Product21 - WAW	WAW	1.50%
M22F	MC B2B Flex Product22 - WAX	WAX	1.55%
M23F	MC B2B Flex Product23 - WAY	WAY	1.60%

Table 5 – Mastercard Flex Program Decline Reason Codes

Description	Decline Reason Codes
Invalid Amount	13
Transaction not permitted to issuer/cardholder	57

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 10 January 2025 | P2024.1492}

On 7 April 2025, Mastercard will update their Market Development Fund in Luxembourg and will introduce the fee in Spain and France, as shown below.

Table – Mastercard Market Development Fund

Fee Name	Country	Transactions	Current Rate	New Rate
MC EU Market Dev Fund	Luxembourg	Card-present transactions, merchant-initiated transactions	0.0002 EUR	0.014%
	Spain	All transactions	-	0.00006 EUR
	France	All transactions	-	0.0001 EUR

_{Published 10 January 2025 | P2024.1221}

On 17 March 2025, the interchange rate for the France MC PayPass PrePaid Cons Credit High Value (> 15 EUR) (MHHZ) will be decreased to 0.20% from 0.28%.

_{Published 14 February 2025}

In 2025, Mastercard will introduce a new edit to the Data Integrity Monitoring Program to merchants that have at least 1000 tokenized authorization per month.

Table – Mastercard Data Integrity Monitoring Program

Date

What’s happening?

1 January 2025

Mastercard will begin to monitor tokens generated after 12 October 2024¹ to ensure those have undergone Strong Customer Authentication (SCA). Merchants must perform SCA for each token.

The latest an SCA can be done is during the first transaction following tokenization.

1 July 2025

Mastercard will assess noncompliance fees if you do not meet the compliance threshold of 95%.

_{1. Transactions such as return and refund, payment, zero amount, and Mastercard Digital Enablement Service Token created before 13 October 2023 are all excluded from the monitoring program. Merchants that provide the Trace ID in the MIT authorizations are also exempted from this monitoring program.}

_{Published 13 December 2024 | P2024.1349}

On 24 January 2025, Mastercard will introduce a new pricing for the Mastercard Digital Enablement Service (MDES) Authentication Fee. The MDES Authentication fee will be charged to transactions that use the On-behalf Service and all token transactions with two-factor authentication.

These fees do not apply to transactions where Mastercard SecureCode or Mastercard Identity Check program is used.

Table 1 – Mastercard MDES Authentication Service Fees

New Fee Name	Countries	Domestic Fee	Intraregional Fee	Interregional Fee
MDES Authentication Service Fee	Belgium, Denmark, Finland, France, Germany, Italy, Iceland, Ireland, Luxembourg, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom	0.0155%	0.0155%	0.0310%
	Netherlands	0.0155%	0.0155%	0.0155%
	Austria, Cyprus, Czech Republic, Malta	0.0230%	0.0230%	0.0460%

Table 2 – Mastercard MDES Authentication Maximum Fees

New Fee Name	Countries	Domestic Fee	Intraregional Fee	Interregional Fee
MDES Authentication Service Fee MAX	Belgium, Denmark, Finland, France, Germany, Italy, Iceland, Ireland, Luxembourg, Norway, Portugal, Spain, Sweden, Switzerland, UK	0.155 EUR	0.155 EUR	0.310 EUR
	Netherlands	0.155 EUR	0.155 EUR	0.155 EUR
	Austria, Cyprus, Czech Republic, Malta	23.00 EUR	23.00 EUR	46.00 EUR

_{Published 13 December 2024 | P2023.1421, P2021.0715, P2021.0716, P2021.0717, P2022.0077}

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

Table – Mastercard Time-Based Authorization Validity Value Fees

New Fee Name

Effective Date

New Rates

Max Per Transaction

Final Authorization Validity Value Fee Max:

Clearing transactions submitted between 72 hours and 168 hours after the authorization

6 January 2025

0.006%

0.6 EUR

Final Authorization Validity Value Fee Mid:

Clearing transactions submitted between 24 hours and 72 hours after the authorization

4 January 2027

0.002%

0.2 EUR

_{Published 13 December 2024 | P2024.0113}

On 1 January 2025, Mastercard will revise their commercial interchange rates.

Table 1 – Mastercard Updated Commercial Interchange Rates in Denmark

Rate Code	Fee Name	Current Rate	Current Rate Refund	New Rate	New Rate Refund
M1AM	MC EU Domestic Corporate Contactless Terminal	0.90%	-0.6750%	1.50%	-1.1250%
M1AP	MC EU Domestic Corporate Contactless Card	0.90%	-0.6750%	1.50%	-1.1250%
M1AR	MC EU Domestic Corporate Contactless	0.90%	-0.6750%	1.50%	-1.1250%
M1AT	MC EU Domestic Corporate Chip	0.90%	-0.6750%	1.50%	-1.1250%
M1AU	MC EU Domestic Corporate Enhanced Electronic	0.95%	-0.7125%	1.60%	-1.2000%
M1AV	MC EU Domestic Corporate Base	1.05%	-0.7875%	1.90%	-1.4250%
M1CX	MC EU Domestic Business Contactless Terminal	0.80%	-0.6000%	1.25%	-0.9375%
M1CZ	MC EU Domestic Business Contactless Card	0.80%	-0.6000%	1.25%	-0.9375%
M1D1	MC EU Domestic Business Contactless	0.80%	-0.6000%	1.25%	-0.9375%
M1D3	MC EU Domestic Business Chip	0.80%	-0.6000%	1.25%	-0.9375%
M1D4	MC EU Domestic Business Enhanced Electronic	0.85%	-0.6375%	1.35%	-1.0125%
M1D5	MC EU Domestic Business Base	0.95%	-0.7125%	1.65%	-1.2375%

Table 2 – Mastercard Updated Commercial Interchange Rates in Finland

Rate Code	Fee Name	Current Rate	Current Rate Refund	New Rate	New Rate Refund
M1AR	MC EU Domestic Corporate Contactless	0.75%	-0.006375%	1.50%	-1.2750%
M1AS	MC EU Domestic Corporate Chip & Pin	0.75%	-0.006375%	1.50%	-1.2750%
M1AU	MC EU Domestic Corporate Enhanced Electronic	0.75%	-0.006375%	1.60%	-1.3600%
M1AV	MC EU Domestic Corporate Base	0.75%	-0.006375%	1.90%	-1.6150%
M1D1	MC EU Domestic Business Contactless	0.75%	-0.006375%	1.25%	-1.0625%
M1D2	MC EU Domestic Business Chip & Pin	0.75%	-0.006375%	1.25%	-1.0625%
M1D4	MC EU Domestic Business Enhanced Electronic	0.75%	-0.006375%	1.35%	-1.1475%
M1D5	MC EU Domestic Business Base	0.75%	-0.006375%	1.65%	-1.4025%

_{Published 13 September 2024 | P2024.0956}

On 1 February 2024, Mastercard will implement a recurring 30-day period M/Chip Deployment Performance Program fee to POS terminals with an implementation issue that causes a technology failure. To avoid this fee, please make sure that your terminal’s Payment System Public Keys in the Combined Dynamic Data Authentication are updated and/or your software kernel has a V3.x reader.

If your POS is supported by a third-party service provider, please contact them to ensure that you have the latest upgrades and specifications that comply with Mastercard’s requirements to help you avoid these fees.

This does not apply if you have a stand-alone POS device that we support.

Table 1 – Mastercard M/Chip Deployment Performance Program Fee

Effective Date	Per Non-Compliant Terminal Fee
1 February 2024	5 EUR
1 January 2025	8 EUR
1 January 2026	12 EUR

_{Published 13 October 2023 | P2023.0995}

Mastercard introduced the contactless Single Tap function, enabling cardholders to re-enter their pin for declined transactions without needing to tap the card again or perform a chip and PIN transaction. To comply, POS terminals must carry a new indicator in the authorization request message to show it supports Single Tap. Mastercard will charge a Single Tap fee for every authorization missing the Single Tap indicator.

Please visit our Developer Center for the complete specifications required to build the Single Tap indicator.

_{Published 15 November 2024 | P2020.553, P20Q1.042, P20Q1.221, P20Q2.375, P20Q2.535, P2020.553, P2021.0618, P2021.1354, P2021.1355, P2021.1353, P20Q2.535a}

Mastercard implemented their Tokenization Service Fee which will be billed when Mastercard Digital Enablement Service (MDES) is used for tokenization. This fee will cover:

lifecycle management
crypto validation of cryptograms on card-present and card-not-present transactions
device enablement
domain control
card art
transaction detail service

Table - MDES Tokenization Services Fee

Fee Name	New Rate
MC Tokenization Services Fee - CP Dom / Intra¹	0.01% (includes Netherlands intraregional and domestic credit transactions) 0.001% (Netherlands debit transactions only)
MC Tokenization Services Fee - CP Inter²	0.05%
MC Tokenization Services Fee - CNP Dom / Intra³	0.02%% (includes Netherlands intraregional and domestic credit transactions) 0.00% (Netherlands debit transactions only)
MC Tokenization Services Fee - CNP Inter⁴	0.10%

_{1. CP Dom / Intra = Card-present Domestic / Intraregional

2. CP Inter = Card-present Interregional

3. CNP Dom / Intra = Card-not-present Domestic / Intraregional

4. CNP Inter = Card-not-present Interregional}

_{Published 1 October 2024 | P2024.0160, P2024.0162, P2024.0188, P2024.0371}

Update: The effective date of the Interregional Reported Transaction fee split has changed to 17 September 2024 from 30 September 2024.

On 17 September 2024, Mastercard will split the Interregional Reported Transaction fee in Ireland into four tiers. The new tiers will be based on transaction values as shown in the table below.

Table – Mastercard Revised Interregional Reported Transaction Fee in Ireland

Fee Name	Tier	Transaction Value	Current Rate	New Rate
Reported Transaction Fee	Micro	Less than or equal to 2.50 EUR	0.082 EUR	0.025 EUR
	Mid	2.51 EUR – 7.50 EUR		0.050 EUR
	Macro	7.51 EUR – 15.00 EUR		0.075 EUR
	Max	Greater than 15.00 EUR		0.080 EUR

_{Updated 15 July 2024 | P2024.0106

Published 15 April 2024 | P2024.0106}

Mastercard is reminding everyone that sending Static/dummy Trace IDs will incur a Data Integrity Monitoring Program fee starting 18 October 2024. To prevent this fee, the Trace ID field must be populated with

the Trace ID from the initial recurring payment authorization, or
the Trace ID from a recently approved authorization which should be used in future authorizations, provided the related recurring payment
- was initially authorized at least 3 months ago, and
- does not have a cardholder dispute or was not reported as fraud

_{Published 13 September 2024 | P2022.1553a}

Effective 1 August 2024, Mastercard and Maestro will modify their card-present domestic debit interchange fees, shown below. Digital wallet transactions will not be impacted by these changes.

Table 1 – Mastercard Updated Interchange Fee for Consumer Debit Card Transactions

Rate Code	Fee Name	New Rate
M1U1	MC CH Domestic Consumer Debit Contactless^1,2	0.12%
M1U2	MC CH Domestic Consumer Debit Chip & PIN¹	0.12%
M1U3	MC CH Domestic Consumer Debit Enh Electronic¹	0.12%
M1U4	MC CH Domestic Consumer Debit Contactless Cap^2,3	0.30 CHF
M1U5	MC CH Domestic Consumer Debit Chip & PIN Cap³	0.30 CHF
M1U6	MC CH Domestic Consumer Debit Enh Electronic Cap³	0.30 CHF

Table 2 – Mastercard Updated Interchange Fee for Commercial Debit Card Transactions

Rate Code	Fee Name	New Rate
M1U8	MC CH Commercial DB Contactless¹	0.12%
M1U9	MC CH Commercial DB Chip & PIN¹	0.12%
M1UA	MC CH Commercial DB Enhanced Electronic¹	0.12%
M1UB	MC CH Commercial DB Contactless Cap³	0.30 CHF
M1UC	MC CH Commercial DB Chip & PIN Cap³	0.30 CHF
M1UO	MC CH Commercial DB Enhanced Electronic Cap³	0.30 CHF

Table 3 – Maestro Updated Interchange Fee for Consumer Debit Card Transactions

Rate Code	Fee Name	New Rate
M1VE	IM CH Domestic Contactless²	0.12%
M1VF	IM CH Domestic Chip ≤CHF40⁴	0.12%
M1VG	IM CH Domestic Chip Late ≤CHF40⁴	0.12%
M1VH	IM CH Domestic Pin Verified ≤CHF40⁴	0.12%
M1VI	IM CH Domestic Signature Verified ≤CHF40⁴	0.12%
M1VJ	IM CH Domestic Chip >CHF40 ≤CHF100^5,6	0.12%
M1VK	IM CH Domestic Chip Late >CHF40 ≤CHF100^5,6	0.12%
M1VL	IM CH Domestic Pin Verified >CHF40 ≤CHF100^5,6	0.12%
M1VM	IM CH Domestic Signature Verified >CHF40 ≤CHF100^5,6	0.12%
M1VN	IM CH Domestic Chip >CHF100^1,7	0.12%
M1VO	IM CH Domestic Chip Late >CHF100^1,7	0.12%
M1VP	IM CH Domestic Pin Verified >CHF100^1,7	0.12%
M1VQ	IM CH Domestic Signature Verified >CHF100^1,7	0.12%
M1VR	IM CH Domestic Contactless Cap²	CHF 0.30
M1VS	IM CH Domestic Chip >CHF100 Cap³	CHF 0.30
M1VT	IM CH Domestic Chip Late >CHF100 Cap³	CHF 0.30
M1VU	IM CH Domestic Pin Verified >CHF100 Cap³	CHF 0.30
M1VV	IM CH Domestic Signature Verified >CHF100 Cap³	CHF 0.30

Table 4 – New Refund Interchange for Domestic Debit Card Transactions

Rate Code	Fee Name	Rate
M1WR	MasterCard CH Domestic Refund Cap - CHF Debit^8,9	0.05 CHF
M1WS	Maestro CH Domestic Refund Cap - CHF Debit^8,9	0.05 CHF

_{1. Transactions less than or equal to 250 CHF.

2. Current Card Verification Method (CVM) limit is 80 CHF.

3. Transactions greater than250 CHF.

4. Transactions less than or equal to 40 CHF.

5. Transactions greater than 40 CHF.

6. Transactions less than or equal to 100 CHF.

7. Transactions greater than 100 CHF.

8. Transactions greater than 100 CHF.

9. Transactions greater than 16.12 CHF for card-not-present transactions.}

_{Published 15 July 2024 | P2024.1116}

On 1 August 2024, Mastercard will introduce a threshold of 35 declined attempts on the same account number, at the same card acceptor, and for the same amount within a 30-day period. The existing threshold of 10 declines within a 24-hour period remains the same, and also count towards the 30-day period threshold. The program assesses a weekly and monthly fee for each authorization that goes over the limit.

Table – Mastercard Excessive Authorization Attempts TPE Program Billing

Rate	Frequency
0.55 EUR per transaction over the threshold	Weekly applies to the 24-hour period threshold
0.55 EUR per transaction over the threshold	Monthly applies to the 30-day period threshold

_{Published 15 April 2024 | P2023.2255}

Starting 1 July 2024, Mastercard will set a new interregional cross-border rate for credit and debit transactions in select European countries as listed below.

Table – Mastercard Revised Interregional Cross-Border Fee

Effective Date	Country	Current Rate (Credit)	Current Rate (Debit)	New Rate (Credit and Debit)
1 July 2024	Austria	0.50%	0.50%	0.75%
	Belgium	0.65%	0.60%	0.75%
	Cyprus	0.50%	0.50%	0.75%
	Czech Republic	0.50%	0.50%	0.75%
	France (Including Territories)	0.65%	0.60%	0.75%
	Germany	0.40%	0.40%	0.75%
	Italy	0.65%	0.60%	0.75%
	Luxembourg	0.55%	0.55%	0.75%
	Malta	0.50%	0.50%	0.75%
	Netherlands	0.65%	0.60%	0.75%
	Portugal	0.65%	0.60%	0.75%
	Spain	0.65%	0.60%	0.75%
30 September 2024	Ireland	0.45%	0.45%	0.75%

_{Published 15 April 2024 | P2023.2118}

Starting 1 July 2024, Maestro will set a new interregional cross-border rate in select European countries as listed below.

Table – Maestro Revised Interregional Cross-Border Fee

Effective Date	Country	Current Rate	New Rate
1 July 2024	Austria	0.50%	0.75%
	Belgium	0.60%	0.75%
	Cyprus	0.50%	0.75%
	Czech Republic	0.50%	0.75%
	France (Including Territories)	0.60%	0.75%
	Germany	0.40%	0.75%
	Italy	0.60%	0.75%
	Luxembourg	0.40%	0.75%
	Malta	0.50%	0.75%
	Netherlands	0.60%	0.75%
	Portugal	0.60%	0.75%
	Spain	0.60%	0.75%
30 September 2024	Ireland	0.45%	0.75%

_{Published 15 April 2024 | P2023.2118}

On 1 July 2024, Mastercard will increase their interregional card-not-present fee in Europe to 0.15% from 0.05% in the following countries listed in the table.

Table – Mastercard CNP Fee Rate Update in Select Countries

Countries
Austria	Italy
Belgium	Luxembourg
Cyprus	Malta
Czech Republic	Netherlands
Denmark (including territories)	Norway (including territories)
Finland (including territories)	Portugal
France (including territories)	Spain
Germany	Sweden
Ireland	Switzerland

_{Published 15 March 2024 | P2023.2119}

On 1 July 2024, Mastercard will increase the MC EU Volume Fee for Cyprus and Malta to 0.0340% from 0.0184% and 0.0301% respectively.

Table – Mastercard Volume Fee

Country	Current Rate	New Rate
Cyprus	0.0184%	0.0340%
Malta	0.0301%	0.0340%

_{Published 15 February 2024 | P2023.2113}

Effective 2 April 2024, Mastercard will expand their Enterprise Solution Wholesale Travel Program with the addition of the commercial credit interchange rate and product codes listed in Table 1. The existing interchange rates in this program (see Table 2) remain unchanged.

Table 1 – Mastercard New Wholesale Travel Program Interchange Rates for Commercial Credit Transactions

Fee Name	New Rate
MC B2B Product 18 - MTL	1.45%
MC B2B Product 19 - MTM	1.35%

Table 2 – Mastercard Existing Commercial Interchange Rate for Credit Transactions

Fee Name	Existing Rate
MC B2B Product 1 - MBS	2.00%
MC B2B Product 2 - MBA	1.80%
MC B2B Product 3 - MBG	1.60%
MC B2B Product 4 - MBH	1.40%
MC B2B Product 5 - MBI	1.20%
MC B2B Product 6 - MBJ	1.00%
MC B2B Product 7 - MTA	2.00%
MC B2B Product 8 - MTB	1.90%
MC B2B Product 9 - MTC	1.80%
MC B2B Product 10 - MTD	1.70%
MC B2B Product 11 - MTE	1.60%
MC B2B Product 12 - MTF	1.50%
MC B2B Product 13 - MTG	1.40%
MC B2B Product 14 - MTH	1.30%
MC B2B Product 15 - MTI	1.20%
MC B2B Product 16 – MTJ	1.10%
MC B2B Product 17 – MTK	1.00%

_{Published 15 February 2024 | P2024.0001; P2023.0090}

Effective 1 April 2024, Mastercard will revise their interchange fees for consumer debit card transactions listed in the table.

Table – Mastercard Revised Consumer Interchange Fees

Rate Code	Fee Name	Current Rate	New Rate
M1AA	MC EU Domestic Consumer Debit Prepaid Contactless	0.20%	0.10%
M1AB	MC EU Domestic Consumer Debit Prepaid Chip & Pin	0.20%	0.10%
M1AD	MC EU Domestic Consumer Debit Prepaid Enhanced Electronic	0.20%	0.10%
M1AE	MC EU Domestic Consumer Debit Prepaid Merchant UCAF	0.20%	0.10%
M1AF	MC EU Domestic Consumer Debit Prepaid Full UCAF	0.20%	0.10%
M1AG	MC EU Domestic Consumer Debit Prepaid Base	0.20%	0.10%

_{Note: All the above rates are capped at 0.05 EUR per transaction.}

_{Published 15 March 2024 | P2024.0019}

Effective 1 April 2024, Maestro will revise their interchange fees for consumer debit card transactions listed in the table.

Table – Maestro Revised Consumer Interchange Fees

Rate Code	Fee Name	Current Rate	New Rate
M1M0	Maestro EU Domestic Consumer Contactless	0.20%	0.10%
M1M1	Maestro EU Domestic Consumer Chip & Pin	0.20%	0.10%
M1M2	Maestro EU Domestic Consumer Secure e & m Commerce	0.20%	0.10%
M1M3	Maestro EU Domestic Consumer MOTO	0.20%	0.10%
M1M4	Maestro EU Domestic Consumer Base	0.20%	0.10%
M1M9	Maestro EU Domestic Consumer Low Value Payments	0.20%	0.10%

_{Note: All the above rates are capped at 0.05 EUR per transaction.}

_{Published 15 March 2024 | P2024.0019}

Effective 1 April 2024, Mastercard will discontinue the E-Commerce Development Fund Fee and introduce the fees in the table below under the Customer Performance Development Fund (CPDF).

With CPDF, you will experience the following benefits:

Improved tokenization and user experience of Mastercard transactions
Improved identity check experience (including, but not limited to, risk-based authentications and decisions, ID check enrolment process, access control system and authentication methods)
Improved fraud and risk management solutions
Cardholder usability research and improvement (including, but not limited to, biometric authentications, mobile devices user experience, enriched transactions, digital receipts and disputes resolution)
Cardholder education on digital transactions (including security issues and usage of secure authentication technologies)
Improved money transfer experience

Table - Mastercard Customer Performance Development Fund

Fee Name	New Rate
Mastercard CPDF No Authentication Fee (CH) - Approved and Declined	0.025%
Mastercard CPDF No Authentication Fee (CH) - Approved and Declined Cap	25.00 EUR
Mastercard Not Tokenized COF Fee (CH) - Approved and Declined	0.050%
Mastercard Not Tokenized COF Fee (CH) - Approved and Declined Cap	50.00 EUR

_{Published 15 February 2024 | P2023.1420}

Visa®

On 15 April 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 access and use the VPAI score to your advantage.

_{Published 15 April 2025 | P2025.0396}

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 15 April 2025 | P2025.0462a}

Visa launched the Visa Flexible Credential (VFC) service, formerly known as Visa Multiple Account Access Service (VMAAS). This service will enable cardholders to access multiple funding sources from the same card issuer through a single Visa credential.

Please contact your JPMorganChase representative to know more about VFC and its complete specifications.

_{Published 15 April 2025 | P2024.1958}

Visa is advising everyone that 3-D Secure (3DS) authentication is now required for a greater number of card-not-present (CNP) transactions for cards issued in France, in line with the recent Banque de France announcement. The announcement also includes requirements for CNP transactions made outside 3DS without strong customer authentication to prevent fraud.

Please contact your 3DS service provider to ensure you are prepared for these changes.

_{Published 15 April 2025 | P2025.0262, P2025.0262u1}

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 following tokenized standing instruction merchant-initiated transactions (MIT) that are sent with a newly generated device token, and these transactions will receive the decline reason code 530 (Do Not Honor):

Installment Payments
Recurring Payments
Unscheduled Stored Credential

Visa will continue to accept your existing standing instruction MIT relationships with cardholders that had their device tokens generated prior to 1 August 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 15 April 2025 | P2025.0360

Updated 13 December 2024 | P2024.0093

Updated 14 June 2024 | P2024.0093

Updated 15 December 2023 | P2023.2173

Published 15 August 2023 | P2021.1134a}

Effective 19 October 2025, Visa will require merchants to send credit voucher or merchandise return authorization (MRA) messages prior to sending a refund. These measures are designed to streamline the return process, enhance transparency for cardholders, and ensure compliance with Visa’s processing standards and avoid non-compliance fees.

Please visit our Developer Center for specifications of Return Authorization and utilizing our ‘On behalf Of’ offering or reach out to your JPMorganChase Representative for more details.

_{Published 10 January 2025 | P2024.1901, P2020.991p}

Visa is clarifying their rules to support consumer choice when using a card that supports more than one payment system. This change is in response to a European Union Interchange Fee Regulation. Here's what it involves:

1. Cardholders must be clearly informed about their right to choose between different payment systems or applications.

2. The available payment options must be presented in a way that is easy to understand, so cardholders can make informed choices.

3. The process for selecting a payment option should be straightforward, without unnecessary steps, and should allow cardholders to choose without input from the merchant.

Visa also provided additional guidelines for online merchants:

Online merchants must clearly display all payment options, including cards, apps, and digital wallets, on their checkout pages
All payment methods must be consistently shown by name, category, and logo, with the same visual quality and clarity
The method for selecting a payment option (like a checkbox or radio button) must be clear
Merchants should explain why cardholders are being asked to select a payment option. If a merchant has a preferred option, it can be pre-selected, but cardholders must be able to change it
If card details are filled in from a wallet app, a clear choice of payment options must be presented

If the interface allows cardholders to save their payment information for future use, merchants must:

Save the cardholder's payment choice when adding a card
Clearly show and allow cardholders to edit their saved payment choice
Allow cardholders to save their payment choice for future transactions
Display the name and logo of the payment option if card details are tokenized

Visa may audit merchants to ensure they comply with these consumer choice requirements. If a merchant is found to be in violation, they may face a non-refundable fine of up to 5,000 USD and an additional fine of up to 25,000 USD per month until the issue is resolved.

_{Published 15 March 2025 | P2025.0195}

Visa is making it easier to purchase essential goods in Denmark during online connectivity disruptions. When merchants face temporary internet or system problems, they now have up to seven days to request an authorization instead of the usual 24 hours. This change is only for situations where the store cannot control the issue and are categorized under the following merchant category codes (MCCs).

MCC 5411 – Grocery Stores and Supermarkets
MCC 5914 – Drug Stores and Pharmacies

_{Published 14 March 2025 | P2025.0184}

Update: Visa has extended the expiration date of the Visa Smart Debit/Credit (VSDC) Certificate Authority (CA) 1984-bit public key to 31 December 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-sale (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 1 – Visa Extended Expiration Date for VSDC CA Key

VSDC CA Keys	Current Expiration Date	New Expiration Date
VSDC CA 1408-bit public key	31 December 2024	Remains unchanged
VSDC CA 1984-bit public key	31 December 2033	31 December 2034

_{Updated 13 December 2024 | P2024.1949

Published 15 November 2024 | P2022.1122}

On 11 April 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.

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

_{Published 14 March 2025 | P2024.1963}

Effective 1 April 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 10 January 2025 | P2024.2017, P2024.1198}

On 15 April 2023, Visa will implement 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 assessed on all AFD authorization request messages that do not support partial authorization responses.

On 16 April 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 13 December 2024 | P2022.1437a

Published 15 March 2023}

In 2024, Visa will no longer support Cardholder Verification Method (CVM) offline plaintext PIN in unattended cardholder activated terminals (UCAT). The following updates to Visa Rules will apply to all countries except Japan.

Effective Date	Update
1 January 2024	New UCAT devices will not support (CVM) offline plaintext PIN
1 January 2025	All UCAT devices will not support (CVM) offline plaintext PIN

_{Published 15 December 2023 | P2023.1491}

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 15 November 2024 | P2024.1107}

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

New options for existing data fields and sub-fields to support Payment Services Directive 2 (PSD2) strong customer authentication exemptions, recurring payments and token data
Decoupled authentication fallback, where the 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

Data Set	Bridging Message Extension v1.0	Bridging Message Extension v2.0
Recurring Data	Includes information on the recurring amount/currency, effective date of the payment, payment amount type (fixed or variable) and frequency	Adds a data element for the expiry date of the recurring payment
Challenge Data	Additional functionality to allow the transfer of user experience from the merchant app to the issuer app for OOB authentication	Adds the ability for the access control server to request that the 3DS SDK masks the data entered by the cardholder during a challenge Clarifies that the challenge data is only provided for EMV 3DS 2.2.0 Challenge Request (CReq)/Challenge Response (CRes) messages
Additional Data	Includes the new data elements and values available in EMV 3DS 2.3.1.0	Provides data elements to properly use FIDOTM in EMV 3DS transactions and Electronic ID as an authentication method as defined in EMV 3DS 2.3.1.1

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

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

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

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

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

_{Published 13 September 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 1 October 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

Data Element	Description
Account Number	Payment credential presented in transaction
Authorized Amount	Amount presented in the authorization response
Authorization Code	Authorization result
Authorization Characteristics Indicator (ACI)	Assigned by Visa in authorization
Authorization Response Code	Approved response code
Authorization Currency Code	Currency of the authorization
Account Funding Source (AFS)¹	Funding source type associated with payment credential
Cardholder Identification (ID) Method	Type of ID used to identify the cardholder
Cashback Amount	Contains the purchase cashback amount expressed in the acquirer transaction currency
Market-specific Authorization Data Indicator	Identifies the industry for which market-specific data has been provided
Merchant Category Code	Merchant designation of goods or services sold
POS Entry Mode	Method used to capture the payment credential
Product ID	Visa product identifier associated with transaction value
Transaction Identifier	Unique Visa assigned identifier used to link authorization, clearing, and dispute transactions
Validation Code	Unique cryptographic result used to ensure data between authorization and clearing has not been modified
Electronic Commerce Indicator (ECI)/MOTO Indicator²	Indicates the type of transaction performed by mail order, telephone or electronic commerce
Spend Qualification Indicator	Value assigned during authorization response to identify the spending categorization
POS Environment	Value that reflects the nature of the transaction

_{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.}

_{Updated 15 September 2024 | P2024.0623

Published 15 July 2024 | P2023.2332, P2023.2103, P2023.2050, P2023.1842, P2023.2096, P2024.0395, P2024.0623}

On 25 September 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 14 June 2023 | P2022.1505; P2023.1557; P2024.1780}

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

Effective 12 August 2024, Visa will require e-commerce merchants to provide the data fields in Table 1 in EMV 3DS authentication request messages. If local data privacy regulations prohibit the data from being shared, these minimum data requirements do not apply.

Visa also continues to recommend e-commerce merchants to provide all 12 of the data fields in Table 2 in 3DS authentication request messages.

Table 1 – Visa EMV 3DS Minimum Data Requirements

Condition	Data fields
Always Required	Cardholder name and email address
Required for browser-based transactions	Browser IP address
At least one must be provided	Cardholder phone number (Either work, home or mobile)

Table 2 – Visa EMV 3DS Recommended Data Requirements

Condition	Data fields
Always Required	Cardholder name and email address
Required for browser-based transactions	Browser IP address, screen height and screen width
Recommended only. Not needed for countries where the billing address do not exist	Cardholder billing address, country, address line, postal code and state
At least one must be provided	Cardholder phone number (Either work, home or mobile)
Only for Software Development Kit (SDK) transactions	Common Device Identification Parameters (Device IP address)

_{Updated 15 October 2024 | P2024.1395

Published 15 February 2024 | P2023.1628, P2024.0008}

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

_{Published 15 August 2024 | P2024.0965}

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

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

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

_{Published 15 August 2024 | P2024.0096}

Update: For Ireland and the United Kingdom only, Visa is changing the effective date to 12 August 2024. For all other countries and territories, the effective date remains the same.

Beginning 13 April 2024, the Card Verification Value 2 (CVV2) will no longer be required but may still be provided with authorization information for domestic and intraregional transactions when authenticated using Visa Secure.

The CVV2 must still be provided in authorizations for:

Domestic and intraregional transactions not authenticated using Visa Secure
Visa Secure transactions where the issuing bank is outside Europe

Additionally, issuing banks will no longer be allowed to decline a Visa Secure transaction in Europe based solely on a missing CVV2 value.

_{Updated 15 April 2024 | P2024.0520

Published 15 November 2023 | P2023.1302}

Effective 19 July 2024, Visa will decline cross-border transactions of India-issued cards with the following gambling merchant category codes (MCCs):

MCC 7995 - Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, Wagers at Race Tracks and games of chance to win prizes of monetary value
MCC 9406 - Government-Owned Lotteries (Non-U.S. region)

_{Published 15 July 2024 | P2024.0636}

Update: Effective 14 June 2024, Visa will introduce a processing block for transactions with additional prohibited merchant category codes (MCCs) and transactions with limited-in-amount MCCs exceeding 5,000 USD. Visa has also added MCCs to the prohibited and restricted categories which you will find in Tables 1 and 2:

Additional Prohibited MCCs: 5723, 6400, 6536, 6537, 6538, 6540, 6611, 7800, 7801, 7802, 9406, 9498, 9793, 9999
Additional Restricted MCCs: 3880, 5262, 5398, 5961, 7013

On 9 June 2024, Visa will begin declining all domestic and cross-border transactions greater than or equal to USD 5,000 for Mainland China-based users with restricted MCCs, as outlined in Table 2.

Visa will block all domestic and cross-border transactions to issuers based in Mainland China. Specifically, transactions with merchant category codes (MCCs) indicating country code 156 (Mainland China), and in the categories listed below are affected:

Table 1 – Visa Fully Prohibited MCCs in Mainland China effective 19 January 2024

MCC	MCC Description
0763	Agricultural Co-operatives
4829	Money Transfer
5723²(Effective 14 June 2024)	Gun and Ammunition Stores
6012	Financial Institutions – Merchandise, Services, and Debt Repayment
6050¹	Quasi Cash-Member Financial Institution
6051	Non-Financial Institutions – Foreign Currency, Liquid and Cryptocurrency Assets (for example: Cryptocurrency), Money Orders (Not Money Transfer), Account Funding (not Stored Value Load), Travelers Cheques, and Debt Repayment
6211	Security Brokers/Dealers
6400¹(Effective 14 June 2024)	China UnionPay Quick Pass App related business
6529¹	Remote Stored Value Load-Member Financial Institution
6530¹	Remote Stored Value Load
6531¹	Payment Service Provider-Money Transfer
6532¹	Payment Transaction - Member Financial Institution
6533¹	Payment Transaction - Merchant
6534¹	Money Transfer-Member Financial Institution
6535¹	Value Purchase–Member Financial Institution
6536¹(Effective 14 June 2024)	Money Transfer Intra-country
6537¹(Effective 14 June 2024)	Money Transfer Inter-country
6538¹(Effective 14 June 2024)	Money Transfer Transaction
6540 (Effective 14 June 2024)	Non-Financial Institutions – Stored Value Card Purchase/Load
6611¹(Effective 14 June 2024)	Overpayments
7800 (Effective 14 June 2024)	Government-Owned Lotteries (US Region only)
7801 (Effective 14 June 2024)	Government Licensed On-Line Casinos (On-Line Gambling) (US Region only)
7802 (Effective 14 June 2024)	Government-Licensed Horse/Dog Racing (US Region only)
7995	Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, Wagers at Racetracks, and games of chance to win prizes of monetary value
9406¹(Effective 14 June 2024)	Government-Owned Lotteries (Non-U.S. region)
9498¹(Effective 14 June 2024)	Credit card bill payment
9793¹(Effective 14 June 2024)	Promotion Cash Back
9999¹(Effective 14 June 2024)	Other Payments

Table 2 – Visa Restricted MCCs in Mainland China effective 14 June 2024

MCC	MCC Description
0743¹	Wine producers
0744¹	Champagne producers
1520	General Contractors – Residential and Commercial
1740	Masonry, Stonework, Tile Setting, Plastering and Insulation Contractors
1750	Carpentry Contractors
1761	Roofing, Siding, and Sheet Metal Work Contractors
1771	Concrete Work Contractors
1799	Special Trade Contractors (Not Elsewhere Classified)
2741	Miscellaneous Publishing and Printing
2791	Typesetting, Plate Making and Related Services
2842	Specialty Cleaning, Polishing and Sanitation Preparations
3880	Homestead Suites
4011	Railroads
4214	Motor Freight Carriers and Trucking – Local and Long Distance, Moving and Storage Companies, and Local Delivery Services
4225	Public Warehousing and Storage – Farm Products, Refrigerated Goods, Household Goods, and Storage
4468	Marinas, Marine Service, and Supplies
4582	Airports, Flying Fields, and Airport Terminals
5013	Motor Vehicles Supplies and New Parts
5021	Office and Commercial Furniture
5039	Construction Materials (Not Elsewhere Classified)
5044	Photographic, Photocopy, Microfilm Equipment and Supplies
5045	Computers and Computer Peripheral Equipment and Software
5046	Commercial Equipment (Not Elsewhere Classified)
5047	Medical, Dental, Ophthalmic and Hospital Equipment and Supplies
5051	Metal Service Centers and Offices
5065	Electrical Parts and Equipment
5072	Hardware, Equipment and Supplies
5074	Plumbing and Heating Equipment and Supplies
5085	Industrial Supplies (Not Elsewhere Classified)
5094	Precious Stones and Metals, Watches and Jewelry
5099	Durable Goods (Not Elsewhere Classified)
5111	Stationery, Office Supplies, Printing and Writing Paper
5122	Drugs, Drug Proprietaries, and Druggist Sundries
5131	Piece Goods, Notions, and Other Dry Goods
5137	Men’s, Women’s, and Children’s Uniforms and Commercial Clothing
5139	Commercial Footwear
5169	Chemicals and Allied Products (Not Elsewhere Classified)
5172	Petroleum and Petroleum Products
5192	Books, Periodicals and Newspapers
5193	Florists Supplies, Nursery Stock and Flowers
5198	Paints, Varnishes and Supplies
5199	Nondurable Goods (Not Elsewhere Classified)
5211	Lumber and Building Materials Stores
5262	Marketplaces
5398	Wholesales In Large-Scale Enterprise
5551	Boat Dealers
5599	Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers (Not Elsewhere Classified)
5715¹	Alcoholic Beverage Wholesalers
5960	Direct Marketing – Insurance Services
5961	Mail Order Houses Including Catalog Order Stores Book/Record Club
6300	Insurance Sales, Underwriting, and Premiums
6381¹	Insurance Premiums
6399¹	Insurance, Not Elsewhere Classified
7013	Real Estate Agent/Broker
7311	Advertising Services
7321	Consumer Credit Reporting Agencies
7322	Collection Agencies
7333	Commercial Photography, Art, and Graphics
7361	Employment Agencies and Temporary Help Services
7372	Computer Programming, Data Processing, and Integrated Systems Design Services
7375	Information Retrieval Services
7379	Computer Maintenance, Repair and Services (Not Elsewhere Classified)
7392	Management, Consulting, and Public Relations Services
7399	Business Services (Not Elsewhere Classified)
7829	Motion Picture and Video Tape Production and Distribution
7993	Video amusement Game Supplies
7997	Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses
8111	Legal Services and Attorneys
8398	Charitable Social Service Organizations
8641	Civic, Social, and Fraternal Associations
8651	Political Organizations
8661	Religious Organizations
8911	Architectural, Engineering, and Surveying Services
8931	Accounting, Auditing, and Bookkeeping Services
8999	Professional Services (Not Elsewhere Classified)
9405	U.S. Federal Government Agencies or Departments
9950	Intra-Company Purchases

_{1. Not a Visa MCC. Decline response code and message reason code for non-Visa MCCs will be the same as declines for prohibited category Visa MCCs.

2. MCC 5723 applies only to merchant locations that are covered under California Law and which are located in the U.S. and in the state of California.}

_{Updated 14 June 2024 | P2024.0922, P2024.0631

Updated 15 May 2024 | P2023.1847u2

Updated 15 March 2024 | P2023.1847u1

Published 15 December 2023 | P2023.1847}

Visa has renamed their B2B Virtual Payments Programs as shown in Table 1 and as a result, fee names, seen in Table 2, have also been updated.

Please note that current program names may still be referenced in Visa documents and online channels.

Table 1 – Visa Renamed B2B Payment Programs

Previous Name	New Name
Visa B2B Virtual Payments Program	Visa Commercial Choice Travel Program
Visa Flexible Rate B2B Virtual Program	Visa Commercial Choice Omni Program

Table 2 – Visa Updated Fee Names

Rate Code	Current Fee Name	New Fee Name
VCVP	Visa Canada - Global B2B Virtual Payments	Visa Canada - Global B2B Virtual CommercialChoice Travel
VUVP	Visa US - Global B2B Virtual Payments	Visa US - Global B2B Virtual CommercialChoice Travel
VLVP	Visa LAC - Global B2B Virtual Payments	Visa LAC - Global B2B Virtual CommercialChoice Travel
VAVP	Visa AP - Global B2B Virtual Payments	Visa AP - Global B2B Virtual CommercialChoice Travel
VEVP	Visa Europe - Global B2B Virtual Payments	Visa Europe - Global B2B Virtual CommercialChoice Travel
VA1A	Visa Global B2B Virtual Payments - Program 1	Visa Global B2B Virtual CommercialChoice Travel-Prog 1
VA2A	Visa Global B2B Virtual Payments - Program 2	Visa Global B2B Virtual CommercialChoice Travel-Prog 2
VA3A	Visa Global B2B Virtual Payments - Program 3	Visa Global B2B Virtual CommercialChoice Travel-Prog 3
VA4A	Visa Global B2B Virtual Payments - Program 4	Visa Global B2B Virtual CommercialChoice Travel-Prog 4
VA5A	Visa Global B2B Virtual Payments - Program 5	Visa Global B2B Virtual CommercialChoice Travel-Prog 5
VA6A	Visa Global B2B Virtual Payments - Program 6	Visa Global B2B Virtual CommercialChoice Travel-Prog 6
VA8A	Visa Global B2B Virtual Payments-Program 8	Visa Global B2B Virtual CommercialChoice Travel-Prog 8
VA9A	Visa Global B2B Virtual Payments-Program 9	Visa Global B2B Virtual CommercialChoice Travel-Prog 9
VB1A	Visa Global B2B Virtual Payments-Program 10	Visa Global B2B Virtual CommercialChoice Travel-Prog 10
VB2A	Visa Global B2B Virtual Payments-Program 11	Visa Global B2B Virtual CommercialChoice Travel-Prog 11
VB3A	Visa Global B2B Virtual Payments-Program 12	Visa Global B2B Virtual CommercialChoice Travel-Prog 12
VB4A	Visa Global B2B Virtual Payments-Program 13	Visa Global B2B Virtual CommercialChoice Travel-Prog 13
VB5A	Visa Global B2B Virtual Payments-Program 14	Visa Global B2B Virtual CommercialChoice Travel-Prog 14
VB6A	Visa Global B2B Virtual Payments-Program 15	Visa Global B2B Virtual CommercialChoice Travel-Prog 15
VB7A	Visa Global B2B Virtual Payments-Program 16	Visa Global B2B Virtual CommercialChoice Travel-Prog 16
VB8A	Visa Global B2B Virtual Payments-Program 17	Visa Global B2B Virtual CommercialChoice Travel-Prog 17
VB9A	Visa Global B2B Virtual Payments-Program 18	Visa Global B2B Virtual CommercialChoice Travel-Prog 18
VC1V	Visa Global B2B Virtual Payments-Program 19	Visa Global B2B Virtual CommercialChoice Travel-Prog 19
VC2V	Visa Global B2B Virtual Payments-Program 20	Visa Global B2B Virtual CommercialChoice Travel-Prog 20
VC3V	Visa Global B2B Virtual Payments-Program 21	Visa Global B2B Virtual CommercialChoice Travel-Prog 21
VA1F	Visa Flexible Rate B2B Virtual Payments-Program 1	Visa Flexible Rate B2B CommercialChoice Omni-Prog 1
VA2F	Visa Flexible Rate B2B Virtual Payments-Program 2	Visa Flexible Rate B2B CommercialChoice Omni-Prog 2
VA3F	Visa Flexible Rate B2B Virtual Payments-Program 3	Visa Flexible Rate B2B CommercialChoice Omni-Prog 3
VA4F	Visa Flexible Rate B2B Virtual Payments-Program 4	Visa Flexible Rate B2B CommercialChoice Omni-Prog 4
VA5F	Visa Flexible Rate B2B Virtual Payments-Program 5	Visa Flexible Rate B2B CommercialChoice Omni-Prog 5
VA6F	Visa Flexible Rate B2B Virtual Payments-Program 6	Visa Flexible Rate B2B CommercialChoice Omni-Prog 6
VA7F	Visa Flexible Rate B2B Virtual Payments-Program 7	Visa Flexible Rate B2B CommercialChoice Omni-Prog 7
VA8F	Visa Flexible Rate B2B Virtual Payments-Program 8	Visa Flexible Rate B2B CommercialChoice Omni-Prog 8
VA9F	Visa Flexible Rate B2B Virtual Payments-Program 9	Visa Flexible Rate B2B CommercialChoice Omni-Prog 9
VB1F	Visa Flexible Rate B2B Virtual Payments-Program 10	Visa Flexible Rate B2B CommercialChoice Omni-Prog 10
VB2F	Visa Flexible Rate B2B Virtual Payments-Program 11	Visa Flexible Rate B2B CommercialChoice Omni-Prog 11
VB3F	Visa Flexible Rate B2B Virtual Payments-Program 12	Visa Flexible Rate B2B CommercialChoice Omni-Prog 12
VB4F	Visa Flexible Rate B2B Virtual Payments-Program 13	Visa Flexible Rate B2B CommercialChoice Omni-Prog 13
VB5F	Visa Flexible Rate B2B Virtual Payments-Program 14	Visa Flexible Rate B2B CommercialChoice Omni-Prog 14
VB6F	Visa Flexible Rate B2B Virtual Payments-Program 15	Visa Flexible Rate B2B CommercialChoice Omni-Prog 15
VB7F	Visa Flexible Rate B2B Virtual Payments-Program 16	Visa Flexible Rate B2B CommercialChoice Omni-Prog 16
VB8F	Visa Flexible Rate B2B Virtual Payments-Program 17	Visa Flexible Rate B2B CommercialChoice Omni-Prog 17
VB9F	Visa Flexible Rate B2B Virtual Payments-Program 18	Visa Flexible Rate B2B CommercialChoice Omni-Prog 18
VFC1	Visa Flexible Rate B2B Virtual Payments-Program 19	Visa Flexible Rate B2B CommercialChoice Omni-Prog 19
VFC2	Visa Flexible Rate B2B Virtual Payments-Program 20	Visa Flexible Rate B2B CommercialChoice Omni-Prog 20
VFC3	Visa Flexible Rate B2B Virtual Payments-Program 21	Visa Flexible Rate B2B CommercialChoice Omni-Prog 21

_{Published 14 June 2024 | P2023.2309}

Effective 1 May 2024, Visa will update their Visa Rules to support consumer choice, a mandate from the European Union (EU) Interchange Fee Regulation (IFR) 2015/711 when using a card that supports more than one payment scheme and it consists of the following:

The right to choose between payment schemes and/or payment applications must be effectively communicated to a cardholder.
The visual presentation of the available payment schemes or payment applications must be transparent so that a cardholder is clear on the options and can choose freely among the supported payment schemes or payment applications.
The selection mechanism must be clear and simple, without any unnecessary steps, and it must allow the cardholder to select without any input from the merchant.

In addition to this, Visa will introduce and publish in the Visa Rules the requirements for e-commerce merchants to offer a consistent, clear and transparent choice for cardholders of co-badged cards, previously included in Consumer Choice in Europe which is a Visa supplemental requirements document.

_{Published 15 April 2024 | P2024.0245}

Visa is implementing Strong Customer Authentication (SCA) requirements in certain CEMEA countries due to local legislations. These changes will take effect on the dates outlined in the table below.

To support this change, you should:

Be ready to receive Response Code 1A (which is valid for card-present, card-not-present or remote electronic transactions) from issuing banks in the CEMEA SCA countries. This code may require additional customer authentication and indicates that transactions cannot be approved until this SCA is performed.
Not send any SCA exemption indicators to issuing banks in CEMEA SCA countries until further notice.
Keep in mind that SCA transactions between CEMEA SCA countries and banks in the European Economic Area (EEA) or UK will be performed when it is technically feasible.

Table – Visa CEMEA Countries Subject to SCA Requirements

Country	Official Enforcement Date¹	Transaction Type
Albania	1 January 2024	CP Transactions
Albania	1 January 2024	Remote Electronic Transactions
Georgia	1 May 2023	CP Transactions
Georgia	1 January 2025	Remote Electronic Transactions
Moldova	5 August 2024	CP Transactions
Moldova	5 August 2024	Remote Electronic Transactions
Montenegro	8 April 2024	CP Transactions
Montenegro	8 April 2024	Remote Electronic Transactions
North Macedonia	1 October 2024	CP Transactions
North Macedonia	1 March 2026	Remote Electronic Transactions
Ukraine	10 May 2024¹	Remote Electronic Transactions

_{1. ”Official enforcement dates” are dates which are either identified as effective dates of the relevant country regulation for implementing SCA, or dates until which the National Competent Authority (NCA) has postponed enforcement (where applicable). Official enforcement dates may be further postponed by the decision of the NCA. Market readiness for SCA implementation may differ from the official enforcement dates.}

_{Published 15 May 2024 | P2024.0429}

Update: Visa clarified that the maximum transaction amount of debit products for the Visa Commercial Omni¹ and Visa Commercial Choice Travel² programs is 749,999.99 USD.

Starting 12 April 2024, Visa will include debit (D) and charge (H) as account funding sources for the B2B Virtual Payment and Flexible Rate B2B products. Visa will also support POS Entry Mode Code 10, allowing credential-on-file for both products.

_{1. Formerly known as Visa B2B Virtual Payments Program

2. Formerly known as Visa Flexible Rate B2B Virtual Program}

_{Updated 15 August 2024 | P2023.1850u3

Published 15 March 2024 | P2023.1850}

On 13 April 2024, Visa has made partial authorization for debit and prepaid card-present and card-not-present transactions available to those transaction under the merchant category codes listed below. Adoption of this service is highly recommended to reduce non-sufficient funds declines and provide a better experience for cardholders needing access to funds for essential everyday purchases.

MCC 4121 – Taxicabs and Limousines
MCC 4900 – Utilities - Electric, Gas, Water and Sanitary
MCC 5399 – Miscellaneous General Merchandise
MCC 5411 – Grocery Stores and Supermarkets
MCC 5499 – Miscellaneous Food Stores - Convenience Stores and Specialty Markets
MCC 5541 – Service Stations (with or without Ancillary Services)
MCC 5542 – Automated Fuel Dispensers (AFD) (no change)¹
MCC 5552 – Electric Vehicle Charging
MCC 5812 – Eating Places and Restaurants
MCC 5814 – Fast Food Restaurants
MCC 5912 – Drug Stores and Pharmacies
MCC 5999 – Miscellaneous and Specialty Retail Shops
MCC 8398 – Charitable Social Service Organizations
MCC 9311 – Tax Payments

Please visit our Developer Center for the complete specifications required to support partial authorizations.

_{1. Europe clients are already required to support partial authorization for AFD transactions made with credit, debit, and prepaid cards.}

_{Published 16 April 2024 | P2023.2165; P2024.0430}

On 13 April 2024, Visa will make the following changes to their authorization response codes.

Table – Visa Authorization Response Codes Updates

Response Codes

Updates

(no credit account)

Will be reclassified under Category 2–Issuer Cannot Approve at This Time.

(no checking account)

(no savings account)

(invalid account number [no such number])

Will be removed from Category 3–Data Quality and will remain solely under Category 1 – Issuer will Never Approve.

As a Category 1, do not reattempt an authorization request after a decline.

_{Published 15 April 2024 | P2024.0192}

Effective 12 April 2024, Visa will add new spend qualified indicator (SQI) values to identify the spend tier in support of the spend qualification processing for existing and new small business products cards issued in the U.S. and Puerto Rico, as seen in the below table.

As a result, you may notice a new SQI value in your transactions specifically for small business cards issued in the U.S. and Puerto Rico.

Table – Visa New SQI Values for Small Business Products Cards Issued in the U.S. and Puerto Rico

New SQI Values	Description
1	Tier 1 – Spend assessment threshold defined by Visa has been met
2	Tier 2 – Spend assessment threshold defined by Visa has been met
3	Tier 3 – Spend assessment threshold defined by Visa has been met
4	Tier 4 – Spend assessment threshold defined by Visa has been met
5	Tier 5 – Spend assessment threshold defined by Visa has been met

_{Published 15 March 2024 | P2023.1852}

On 13 April 2024, Visa will update the following fees and interchange rates to all transactions in the territories of French Guiana, Guadeloupe, Martinique, Mayotte, Réunion, Saint Barthélemy and Saint Martin (now part of the Europe region):

French domestic fees and interchange rates will apply to transactions between France and these French territories.
Intraregional European Economic Area (EEA) fees and interchange rates will apply to transactions between EEA countries and these French territories.
Intra non-EEA fees and interchange rates will apply to transactions between non-EEA countries and these French territories.
Interregional fees and interchange rates will apply to transactions between countries outside of the Europe region and these French territories.

_{Published 15 March 2024 | P2023.2204; P2023.1854}

Visa will be updating their standard authorization framework structure on 13 April 2024 to modernize existing authorization validity¹ and clearing timeframes² as shown in the table below. Note that the maximum time frame of 2 calendar days for intraregional contactless transactions in all European countries will not change.

On 13 June 2024, Visa will be applying a 0.09% extended authorization service fee of the transaction amount to card-not-present cardholder-initiated transactions that clear beyond 10 calendar days. Additional applicable processing integrity fees may apply but are open to dispute by the cardholder.

Table – Visa New Authorization and Clearing Time Frames

Transaction Type	New Maximum Time Frame³
Card-not-present (CNP) cardholder-initiated transactions	10 calendar days
Transactions with an estimated authorization for any of the following merchants, including cruise line, lodging and vehicle rental.	30 calendar days
Transactions with an estimated authorization for aircraft, boat and bicycle rentals (including electric scooters), clothing and costume rentals, DVD, video, equipment and tool rentals, furniture, motor home and motorcycle rentals and trailer parks and campgrounds.	10 calendar days
All other card-present transactions⁴	5 calendar days
All merchant-initiated transactions including installment transactions, recurring transactions, advance payment instructions, unscheduled credential-on-file transactions, merchandise returns, and credits	5 calendar days

_{1. This is the maximum amount of time a merchant has to complete the transaction once an authorization request has received an approval response.

2. This is the maximum amount of time a bank has to process completed transactions from the transaction date.

3. Time frames begin on the date of a valid authorization.}4. Automated Fuel Dispenser preauthorization requests need a completion or reversal message sent two hours from the receipt of an approval response.

_{Published 15 March 2024 | P2023.2046}

Effective 1 July 2024, only Payment Card Industry Data Security Standard (PCI DSS) v4 validation documents will be accepted by the Visa Network. To ensure validation documents are accepted by Visa, you are encouraged to begin using the PCI DSS v4 as early as April 1, 2024 when the current version 3.2.1 is retired.

Please visit the PCI Council website for more information.

_{Published 15 September 2023 | P2023.1230}

Mastercard®

Mastercard requires merchants and service providers, including merchant payment gateways and third party processors, to comply with the below roadmap. This aims to standardize all e-commerce transactions with tokenization.

To ensure timely adherence to the requirements below, please work with your payment gateway or payment service provider/s.

Table – Mastercard EMV tokenization and Click to Pay adoption roadmap

Effective date	Requirements
1 April 2026	Service providers, including merchant payment gateways and third party processors, located in selected countries in the Europe region¹, must: - Adopt the EMV Click to Pay Acceptance Technical Industry Standards for e-commerce card guest checkout in select countries - Enable guest checkout according to the EMV Click to Pay Acceptance Technical Industry Standards - Make available and proactively offer Click to Pay to merchants, enabling consumers to be enrolled onto Click to Pay at the merchant checkout, giving consumers the possibility to finalize the payment through the Click to Pay standards
1 October 2026	All card-on-file (COF) transactions in the Europe region, except in excluded countries², must be submitted with EMV payment tokens as defined in the EMV Payment Tokenization Specifications, unless: - The token transaction has been declined by the issuer - There is no active token available or an attempt to tokenize failed
1 April 2028	Service providers, including merchant payment gateways and third party processors, located in the Europe region except excluded countries², must submit all guest checkout transactions with EMV payment tokens, unless: - The token transaction has been declined by the issuer - There is no active token available or an attempt to tokenize failed
1 April 2030	All e-commerce transactions in the Europe region, except excluded countries², must be tokenized with EMV payment tokens.

_{1. Countries in-scope: Austria, Belgium, Bulgaria, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Netherlands, Norway, Poland, Portugal, Romania, Spain, Slovakia, Sweden, Switzerland, and United Kingdom.}2. Excluded countries: Armenia, Azerbaijan, Belarus, Georgia, Kazakhstan, Kyrgyzstan, Moldova, Tajikistan, Turkey, Turkmenistan, Ukraine, and Uzbekistan.

_{Published 15 April 2025 | P2024.1914, P2024.1916}

On 21 April 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 15 April 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 11 April 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

Details	Requirement
Total size	Not more than 8.5 MB total attachment size.

_{Updated 21 April 2025 | P2025.0047

Published 14 March 2025 | P2025.0047}

On 1 April 2025, Mastercard will require the presence of tag 9F34 in all EMV (card-present or card-not-present) authorization and clearing messages. Tag 9F34 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 14 March 2025 | P2024.1846}

Update: On 23 April 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 14 March 2025 | P2023.2426a

Published 15 March 2024 | P2023.2426}

Update: Starting 1 April 2025, Mastercard will add 5 more product codes to this program, namely MBL, MBN, MBO, MBQ, and MBR.

Mastercard is clarifying that merchants and their third-party agents are not required to put any exemption flag in the authorization message of unauthenticated MWP transactions under the Mastercard Wholesale Program (MWP) Secure Corporate Payment (SCP) exemption. MWP transactions with product codes below are assumed to be exempted.

Table – Mastercard MWP product codes

Product Codes

MBS, MBG, MBH, MBI, MBJ, MBS, MTA, MTB, MTC, MTD, MTE, MTF, MTG, MTH, MTI, MTJ, MTK, MTL, MTM, MTN, MTO, MTQ, MTR, MTS, MTT, MTU, and MTV

MBL, MBN, MBO, MBQ, and MBR

_{Updated 14 March 2025 | P2024.1689u1

Published 15 October 2024 | P2024.1689}

The 1984-bit Payment System public key expiration date has been extended to 31 December 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 Enchiphered 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

Payment System Public Keys	Current Expiration Date	New Expiration Date
1408-bit public key	31 December 2024	Remains unchanged
1984-bit public key	31 December 2033	31 December 2034

_{Published 14 February 2025 | P2024.1842}

Beginning 1 May 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 mandate.

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 1 May 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 13 December 2024 | 2022.1533, P2022.0738, P2022.1244}

Mastercard will reject transactions based on the conditions described below.

Table – Mastercard Rejections on Unapproved Authorizations and Force Deposits

Effective Date	Condition	Action
11 April 2025	Unapproved Authorization: If Mastercard matches a deposit to an authorization, but the authorization was not approved	Transaction will be rejected¹
11 April 2025	Force Deposit: If Mastercard is unable to match a deposit to an authorization	Transaction is subject to possible reject identified by Mastercard’s Force Post Defense Service

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 15 February 2025 | P2024.2029, P2024.2033}

On 1 March 2025, your systems are required by Mastercard to be updated to carry the following cryptogram for remote commerce programs such as Click to Pay, Mastercard Digital Enablement Service (MDES), digital wallets or secure card-on-file tokens. The following should be submitted as data elements for secure remote transactions in authorization messages.

Digital Secure Remote Payment (DSRP) cryptogram. For authorization request of cardholder-initiated transactions (CITs) and eligible merchant-initiated transactions (MITs)
Identity check account holder authentication value (AAV) cryptogram. The inclusion is conditional but will be required in authenticated cardholder-initiated transactions

In addition, please make sure your systems are able to perform the following:

Determine a transaction contains both a token-generated DSRP cryptogram and an identity check AAV
Ensure that a unique DSRP cryptogram is always generated and submitted for each CIT, and optionally for each MIT

Avoid transaction declines and non-compliance fees by ensuring that you are compliant to the requirements listed above. Visit our Developer Center for complete specifications.

_{Published 14 February 2025 | P2022.1057a}

Effective 31 March 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 10 January 2025 | P2024.1578}

Starting 1 March 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 13 December 2024 | P2022.0739a}

In order to distinguish the initial recurring transactions and Merchant Initiated Transactions (MIT) authenticated after a successful cardholder challenge, Mastercard is currently determining the value of kG rather than the previous leading indicator kB of the Accountholder Authentication Value (AAV).

These transactions will be processed as fully authenticated, recurring transactions and will not have a Strong Customer Authentication (SCA) exemption indicator or an original Trace ID.

_{Note: This is for awareness only. Please continue to pass the AAV as received during authentication.}

_{Published 15 November 2024 | P2024.1770}

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

_{Published 14 June 2024 | P2024.0767}

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 15 October 2024 | P2024.1542}

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

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

_{Published 15 August 2024 | P2024.0119}

Effective 18 October 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 1 November 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.

_{Published 15 July 2024 | P2024.0493}

Effective 18 October 2024, default or static Transaction IDs such as MCC9999991231, Existing9999999, and others will no longer be allowed and a non-compliance fee will be assessed for submitting these restricted values. You must use the Transaction ID of the original authorization if available or if not, use the transaction ID from a recently approved authorization provided it meets the following:

Recurring payment arrangement is at least 3 months old, and
No cardholder dispute or fraud reported for the recurring payment arrangement

_{Published 14 June 2024 | P20Q2.333u1}

Mastercard is sharing the following updated requirements related to the Authentication Roadmap for Europe.

Table – Mastercard Authentication Roadmap for Europe EMV 3DS Requirements

Requirement	Details
CVV2	CVV2 is no longer required to be sent for authorizations flagged as authenticated with a challenge.
3DS Method URL	The 3DS Method URL must be utilized during EMV 3DS authentication. 3DS Method URL collects extra data, such as Devise Type, IP Address, Operation System, etc., on the devise and browser used for the transaction. On 31 March 2025, these data must be collected to avoid possible non-compliance fees.
Identity Solutions Services Test (ISST) Platform	To support participation in the authentication program, Mastercard has made ISST available in Mastercard Connect. This platform will allow everyone to conduct a compliance self-test.

_{Published 15 July 2024 | P2024.0935}

While Mastercard continues to encourage the adoption of digital transaction receipts, please take note of the revised standards for transaction receipts outlined below that are only applicable to card-present merchants.

I . Outside the Europe Region

A paper receipt must be offered to cardholders. Digital receipts are optional and may also be offered. The receipt standards for mobile point-of-sale (MPOS) terminals remain unchanged.

II. Europe Region

Offering digital receipts are encouraged, while paper receipts are not required. Cardholders that request a receipt must be provided with either a paper or digital receipt
If a paper cash register receipt, tax invoice, or other type of receipt is provided, then it is not required to offer an additional paper point-of-sale (POS) terminal receipt
Transaction receipt standards for merchants in France remain unchanged
Paper receipts must still be offered for the following cases:
- If the merchant requires a paper receipt for a refund
- If a merchant applies a restrictive return or exchange policy, it must offer a paper receipt on which the policy is stated
- If a paper receipt is required for legal reasons, for example, to document a warranty

III. All Regions

When a digital receipt is offered, the cardholder must be informed of any required additional personal data and steps to access the receipt
Cardholder personal data must only be processed for the purpose of making the receipt available
The receipt must be immediately available
The merchant copy of the transaction receipt may be stored and provided in digital form

_{Published 14 June 2024 | P2024.0903}

This is a reminder that the Mastercard Directory Server Transacation ID must be submitted when qualifying a transaction into clearing and must match the ID received during 3DS authentication.

Please visit our Developer Center for the required specifications to include Mastercard Directory Server Transaction IDs during clearing and avoid possible non-compliance fees.

_{Published 15 April 2024 | P2023.0754}

Starting 1 April 2024, card issuers are no longer required to issue Mastercard credit cards with magnetic stripes. Please work with your POS terminal providers to ensure you can accept chip-only cards.

_{Published 15 March 2024 | P2021.0951}

Starting 12 April 20224, Mastercard’s refund transaction authorisation will be valid for 5 calendar days from the approval date, while the refund transaction must be submitted for clearing within 5 calendar days of the refund transaction date.

_{Published 22 March 2024 | P2023.1830}

Mastercard will implement the changes below to their chargeback rules starting 12 April 2024.

The following late-presentment chargebacks are moving from the point-of-interaction error category to the authorization-related chargeback category:
- Payment transaction clearing submission timeframes
- Contactless transit aggregated transactions
- Refund transactions
The offline chip-approved transaction clearing timeframe will be added to the authorization-related chargeback category
The late-presentment chargeback will be removed from the point-of-interaction error category
Removal of the 21-calendar day exception in order to accumulate purchase transaction records completed with manually recorded card data

_{Published 15 February 2024 | P2023.2265}

American Express®

On 31 March 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 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 14 March 2025 | P2025.0400}

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

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

RSA Certification Authority Public Keys	Current Expiration Date	New Expiration Date
1408-bit public key	31 December 2024	Remains unchanged
1984-bit public key	31 December 2031	31 December 2034

_{Published 14 February 2025 | P2024.2097}

Starting 1 October 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 15 July 2024 | P2023.0890}

Discover®

On 31 March 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 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 14 March 2025 | P2025.0319}

Other Networks

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

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

JCB Certification Authority Public Keys	Current Expiration Date	New Expiration Date
1408-bit public key	31 December 2024	Remains unchanged
1984-bit public key	31 December 2033	31 December 2034

_{Published 14 February 2025 | P2023.2284}

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.

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

Root CA Public Keys	Current Expiration Date	New Expiration Date
1408-bit public key	31 December 2024	Remains unchanged
1984-bit public key	31 December 2034	31 December 2035

_{Published 14 February 2025 | P2024.0007}

Effective 1 April 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 10 January 2025 | P2024.2115}

Rate Codes

Rate Code	Long Fee Name	Short Fee Name
V109	VI EU Domestic CR Low Value	VI EU Domestic CR Low Value
V110	VI EU Domestic CR High Value	VI EU Domestic CR High Value
V133	VI DE Commercial Transportation	VI DE Commercial Transport
V134	VIEU Intra-EEA Business E-Comm PP Plat & Infin MIN	VIEU Intra-EEA Business E-Comm PP Plat & Infin MIN
V135	VIEU Intra-EEA Business Standard PP Plat & Infin MIN	VI Intra P BusStd Infiplat MIN
V136	VIEU Domestic Business E-Comm PP Plat & Infin MIN	VI Dom P BusEcom Infipla MIN
V137	VIEU Domestic Business Standard PP Plat & Infin MIN	VI Dom P BusStd Infiplat MIN
V138	VI EU Domestic DP Low Value	VI EU Domestic DP Low Value
V139	VI EU Domestic DP High Value	VI EU Domestic DP High Value
V140	VI ES Domestic DP HV Cap	VI ES Domestic DP HV Cap
V158	VI BE Business DB EMV Cap	VI BE Business DB EMV Cap
V159	VI IT Small Market Expenses Low Value	VI IT Small Market Expenses LV
V160	VI DE Commercial Supermarket	VI DE Commercial Supermarket
V162	VI DE Commercial Travel Agency	VI DE Commercial Travel Agency
V1A0	VI EU Domestic CR Secure-EMV Contactless	VIEUD CR Secure-EMV Contless
V1A1	VI EU Domestic CR Secure-EMV Online Magstripe	VIEUD CR Secure-EMV On Magst
V1A2	VI EU Domestic CR Secure-EMV Online Chip	VIEUD CR Secure-EMV On Chip
V1A3	VI EU Domestic CR Secure-EMV Offline Chip	VIEUD CR Secure-EMV Off Chip
V1A4	VI EU Domestic CR Secure Electronic Commerce	VIEUD CR Secure-EMV Elec Comm
V1A5	VI EU Domestic CR Non-Secure Standard	VIEUD CR Secure-EMV NonSec Std
V1AD	VI EU Domestic DP Secure-EMV Contactless	VIEUD DB Secure-EMV Contless
V1AE	VI EU Domestic DP Secure-EMV Online Magstripe	VIEUD DB Secure-EMV On Magst
V1AF	VI EU Domestic DP Secure-EMV Online Chip	VIEUD DB Secure-EMV On Chip
V1AG	VI EU Domestic DP Secure-EMV Offline Chip	VIEUD DB Secure-EMV Off Chip
V1AH	VI EU Domestic DP Secure Electronic Commerce	VIEUD DB Secure-EMV Elec Comm
V1AI	VI EU Domestic DP Non-Secure Standard	VIEUD DB Secure-EMV NonSec Std
V1AJ	VI EU Domestic VPAY Standard	VIEUD VPAY Standard
V1AV	VI EU Domestic CR Business Standard	VIEUD CR Business Standard
V1AW	VI EU Domestic CR Business EMV Contactless	VIEUD CR Business Contactless
V1AX	VI EU Domestic CR Business EMV Online Magstripe	VIEUD CR Business Online Mags
V1AY	VI EU Domestic CR Business EMV Online Chip	VIEUD CR Business Online Chip
V1AZ	VI EU Domestic CR Business EMV Offline Chip	VIEUD CR Business Offline Chip
V1B0	VI EU Domestic CR Business Electronic Commerce	VIEUD CR Business Elec Comm
V1B3	VI EU Domestic CR Business Small Market	VIEUD CR Business Small Market
V1B4	VI EU Domestic D Business EMV Contactless	VIEUD D Business Contactless
V1B5	VI EU Domestic D Business EMV Online Magstripe	VIEUD D Business Online Mags
V1B6	VI EU Domestic D Business EMV Online Chip	VIEUD D Business Online Chip
V1B7	VI EU Domestic D Business EMV Offline Chip	VIEUD D Business Offline Chip
V1B8	VI EU Domestic D Business Electronic Commerce	VIEUD D Business Elec Commerce
V1B9	VI EU Domestic D Business Standard	VIEUD D Business Standard
V1BA	VI EU Domestic DP Business EMV Contactless	VIEU DP Business Contactless
V1BB	VI EU Domestic DP Business EMV Online Magstripe	VIEU DP Business Online Mags
V1BC	VI EU Domestic DP Business EMV Online Chip	VIEU DP Business Online Chip
V1BD	VI EU Domestic DP Business EMV Offline Chip	VIEU DP Business Offline Chip
V1BE	VI EU Domestic DP Business EMV Electronic Commerce	VIEU DP Bus Elec Commerce
V1BF	VI EU Domestic DP Business Standard	VIEUD DP Business Standard
V1BG	VI EU Domestic P Business EMV Contactless	VIEUD P Business Contactless
V1BH	VI EU Domestic P Business EMV Online Magstripe	VIEUD P Business Online Mags
V1BI	VI EU Domestic P Business EMV Online Chip	VIEUD P Business Online Chip
V1BJ	VI EU Domestic P Business EMV Offline Chip	VIEUD P Business Offline Chip
V1BK	VI EU Domestic P Business Electronic Commerce	VIEUD P Business Elec Commerce
V1BL	VI EU Domestic P Business Electronic Commerce Minimum	VIEUD P Bus Elec Commerce Min
V1BM	VI EU Domestic P Business Standard	VIEUD P Business Standard
V1BN	VI EU Domestic P Business Standard Minimum	VIEUD P Bus Standard Minimum
V1C0	VI EU Domestic DP Infinite Platinum Standard	VIEUD DP InfiPlat Standard
V1C5	VI EU Domestic CR Purchasing Card Not Present VGIS	VIEUD CR Pur CNP VGIS
V1C6	VI EU Domestic CR Purchasing Card Not Present LID	VIEUD CR Pur CNP LID
V1C7	VI EU Domestic CR Purchasing Card Not Present	VIEUD CR Pur CNP
V1C8	VI EU Domestic DP Business Card Not Present	VIEU DP Business CNP
V1C9	VI IT Large Market Expenses Low Value	VI IT Large Market Expenses LV
V1CA	VI EU Domestic CR Infinite Platinum EMV Contactless	VIEUD CR Infiplat Contactless
V1CB	VI EU Domestic CR Infinite Platinum EMV Online Magstripe	VIEUD CR Infiplat Online Mags
V1CC	VI EU Domestic CR Infinite Platinum EMV Online Chip	VIEUD CR Infiplat Online Chip
V1CD	VI EU Domestic CR Infinite Platinum EMV Offline Chip	VIEUD CR Infiplat Offline Chip
V1CE	VI EU Domestic CR Infinite Platinum Electronic Commerce	VIEUD CR InPlat Ele Commerce
V1CF	VI EU Domestic CR Infinite Platinum Standard	VIEUD CR InfiPlat Standard
V1CG	VI EU Domestic D Infinite Platinum EMV Contactless	VIEUD D Infiplat Contactless
V1CH	VI EU Domestic D Infinite Platinum EMV Online Magstripe	VIEUD D Infiplat Online Mags
V1CI	VI EU Domestic D Infinite Platinum EMV Online Chip	VIEUD D Infiplat Online Chip
V1CJ	VI EU Domestic D Infinite Platinum EMV Offline Chip	VIEUD D Infiplat Offline Chip
V1CK	VI EU Domestic D Infinite Platinum Electronic Commerce	VIEUD D InPlat Elec Commerce
V1CL	VI EU Domestic D Infinite Platinum Standard	VIEUD D InfiPlat Standard
V1CM	VI EU Domestic CR Corporate Standard	VIEUD CR Corporate Standard
V1CN	VI EU Domestic CR Corporate EMV Contactless	VIEUD CR Corp EMV Contactless
V1CP	VI EU Domestic CR Corporate EMV Online Magstripe	VIEUD CR Corp EMV Magstripe
V1CQ	VI EU Domestic CR Corporate EMV Online Chip	VIEUD CR Corp EMV Online Chip
V1CR	VI EU Domestic CR Corporate EMV Offline Chip	VIEUD CR Corp EMV Offline Chip
V1CS	VI EU Domestic CR Corporate Electronic Commerce	VIEUD CR Corp Electronic Com
V1CU	VI EU CR Corporate Large Market Enterprise	VI EU CR Corporate LME
V1CV	VI EU Domestic CR Business Card Not Present	VI EU CR Business CNP
V1CW	VI EU Domestic D Business Card Not Present	VI EU D Business CNP
V1CX	VI EU Domestic CR Infinite Platinum Card not Present	VI EU CR Infinite Platinum CNP
V1CY	VI EU Domestic D Infinite Platinum Card Not Present	VI EU D Infinite Platinum CNP
V1CZ	VI EU Domestic CR Corporate Card Not Present	VIEUD CR Corp Card Not Present
V1D0	VI EU Domestic CR Purchasing VGIS EMV Contactless	VIEUD CR Pur VGIS Contactless
V1D1	VI EU Domestic CR Purchasing VGIS EMV Online Magstripe	VIEUD CR Pur VGIS On Magstripe
V1D2	VI EU Domestic CR Purchasing VGIS EMV Online Chip	VIEUD CR Pur VGIS On Chip
V1D3	VI EU Domestic CR Purchasing VGIS EMV Offline Chip	VIEUD CR Pur VGIS Off Chip
V1D4	VI EU Domestic CR Purchasing VGIS Standard	VIEUD CR Pur VGIS Standard
V1D5	VI EU Domestic CR Purchasing Electronic Commerce VGIS	VIEUD CR Pur Elec Com VGIS
V1DA	VI EU Domestic CR Purchasing LID EMV Contactless	VIEUD CR Pur LID Contactless
V1DB	VI EU Domestic CR Purchasing LID EMV Online Magstripe	VIEUD CR Pur LID On Magstripe
V1DC	VI EU Domestic CR Purchasing LID EMV Online Chip	VIEUD CR Pur LID On Chip
V1DD	VI EU Domestic CR Purchasing LID EMV Offline Chip	VIEUD CR Pur LID Off Chip
V1DE	VI EU Domestic CR Purchasing LID Standard	VIEUD CR Pur LID Standard
V1DF	VI EU Domestic CR Purchasing Electronic Commerce LID	VIEUD CR Pur Elec Com LID
V1DH	VI EU Domestic P Business EMV Min	VIEUD P Business EMV Min
V1DJ	VI GB Domestic D Infinite Platinum EMV Online Magstripe	VIGBD D Infiplat Online Mags
V1DK	VI GB Domestic D Infinite Platinum EMV Online Chip	VIGBD D Infiplat Online Chip
V1DL	VI GB Domestic D Infinite Platinum EMV Offline Chip	VIGBD D Infiplat Offline Chip
V1DM	VI GB Domestic D Infinite Platinum Card Not Present	VI GB D Infinite Platinum CNP
V1DN	VI GB Domestic D Infinite Platinum Standard	VIGBD D InfiPlat Standard
V1DP	VI GB Domestic P Infinite Platinum EMV Contactless	VIGB P Infiplat Contactless
V1DQ	VI GB Domestic P Infinite Platinum EMV Online Magstripe	VIGB P Infiplat Online Mags
V1DR	VI GB Domestic P Infinite Platinum EMV Online Chip	VIGB P Infiplat Online Chip
V1DS	VI GB Domestic P Infinite Platinum EMV Offline Chip	VIGB P Infiplat Offline Chip
V1DT	VI GB Domestic P Infinite Platinum Card Not Present	VIGB P Infinite Platinum CNP
V1DU	VI GB Domestic P Infinite Platinum Standard	VIGBD P InfiPlat Standard
V1DV	VI GB Domestic D Infinite Platinum EMV Contactless	VIGBD D Infiplat Contactless
V1E0	VI EU Domestic CR Purchasing EMV Contactless	VIEUD CR Pur Contactless
V1E1	VI EU Domestic CR Purchasing EMV Online Magstripe	VIEUD CR Pur On Magstripe
V1E2	VI EU Domestic CR Purchasing EMV Online Chip	VIEUD CR Pur On Chip
V1E3	VI EU Domestic CR Purchasing EMV Offline Chip	VIEUD CR Pur Off Chip
V1E4	VI EU Domestic CR Purchasing Electronic Commerce	VIEUD CR Pur Elec Com
V1E6	VI EU Domestic CR Purchasing Standard	VIEUD CR Pur Standard
V1E7	VI EU Domestic Large Ticket 2	VIEUD Pur Large Ticket 2
V1E8	VI EU Domestic Large Ticket 1	VIEUD Pur Large Ticket 1
V1FC	VI Intra-NonEEA Group B Business EMV Debit-Prepaid	VINonEEA GrB BUS EMV DBPP
V1FI	VI EEA to Andorra Large Market	VI EEA to Andorra Corporate Large Market
V1FJ	VI Intra-NonEEA Group A Corporate EMV Credit	VINonEEA GrA CORP EMV
V1FK	VI Intra-NonEEA Group A Corporate Elec Commerce Credit	VINonEEA GrA CORP Elect Comm
V1FL	VI Intra-NonEEA Group A Corporate Standard Credit	VINonEEA GrA CORP Standard
V1FM	VI Intra-NonEEA Group B Corporate EMV Credit	VINonEEA GrB CORP EMV
V1FN	VI Intra-NonEEA Group B Corporate Elec Commerce Credit	VINonEEA GrB CORP Elect Comm
V1FP	VI Intra-NonEEA Group B Corporate Standard Credit	VINonEEA GrB CORP Standard
V1GA	VI GB Domestic CR Purchasing TAX EMV Contactless	VI GB CR Pur TAX Contactless
V1GB	VI GB Domestic CR Purchasing TAX EMV Online Magstripe	VI GB CR Pur TAX On Magstripe
V1GC	VI GB Domestic CR Purchasing TAX EMV Online Chip	VI GB CR Pur TAX On Chip
V1GD	VI GB Domestic CR Purchasing TAX EMV Offline Chip	VI GB CR Pur TAX Off Chip
V1GE	VI GB Domestic CR Purchasing TAX Card not Present	VI GB Card Not Present TAX
V1GF	VI GB Standard with TAX	VI GB Standard with TAX
V1GG	VI EU B2B Virtual Payments Card Fees Standard	VIEU B2B Virtual Payments STD
V1H0	VI GB Domestic CR Contactless	VIGB Domestic CR Contactless
V1H1	VI GB Domestic CR EMV On Magst	VIGB Domestic CR EMV On Magst
V1H2	VI GB Domestic CR EMV On Chip	VIGB Domestic CR EMV On Chip
V1H3	VI GB Domestic CR EMV Off Chip	VIGB Domestic CR EMV Off Chip
V1H4	VI GB Domestic CR Secure e-Commerce	VIGB Domestic CR Secure e-Comm
V1H5	VI GB Domestic CR CVV2-MOTO	VIGB Domestic CR CVV2-MOTO
V1H6	VI GB Domestic CR MOTO	VIGB Domestic CR MOTO
V1H7	VI GB Domestic CR Recurring	VIGB Domestic CR Recurring
V1H8	VI GB Domestic CR Refund Card Present	VIGB Domestic CR Refund CP
V1H9	VI GB Domestic CR Refund MOTO	VIGB Domestic CR Refund MOTO
V1HA	VI GB Domestic CR Refund e-Commerce	VIGB Domestic CR Refund e-Comm
V1HB	VI GB Domestic CR Non-Secure Standard	VIGB Domestic CR Standard
V1HC	VI GB Domestic Charity	VIGB Domestic Charity
V1HD	VI GB Domestic DP Contactless	VIGB Domestic DP Contactless
V1HE	VI GB Domestic DP EMV On Magst	VIGB Domestic DP EMV On Magst
V1HF	VI GB Domestic DP EMV On Chip	VIGB Domestic DP EMV On Chip
V1HG	VI GB Domestic DP EMV Off Chip	VIGB Domestic DP EMV Off Chip
V1HH	VI GB Domestic DP Secure e-Commerce	VIGB Domestic DP Secure e-Comm
V1HI	VI GB Domestic DP Low Value e-Commerce	VIGB Domestic DP LV e-Commerce
V1HJ	VI GB Domestic DP CVV2-MOTO	VIGB Domestic DP CVV2-MOTO
V1HK	VI GB Domestic DP MOTO	VIGB Domestic DP MOTO
V1HL	VI GB Domestic DP Recurring	VIGB Domestic DP Recurring
V1HM	VI GB Domestic DP Refund Card Present	VIGB Domestic DP Refund CP
V1HN	VI GB Domestic DP Refund MOTO	VIGB Domestic DP Refund MOTO
V1HP	VI GB Domestic DP Refund e-Commerce	VIGB Domestic DP Refund e-Comm
V1HQ	VI GB Domestic DP Non-Secure Standard	VIGB Domestic DP Standard
V5FH	Visa EU InterRegional Face-to-FaceElectronic-Debit & Prepaid	VI EU InterReg F2FElect Dbt PP
V5FJ	Visa EU InterRegional Card-Not-Present/Other-Debit & Prepaid	VI EU InterReg CNPOther Dbt PP
V5FL	Visa EU InterRegional CredVouch/Merch Return-Debit & Prepaid	VI EU IntrRegCrdVchMerRetDbtPP
V901	Visa Interregional Uncategorized	Visa Inter Uncategorized
V903	Visa Interregional Electronic	Visa Interregional Electronic
V905	Visa Interregional Business & Visa Signature Business Card	Visa Int'reg Bus & Sig Bus Crd
V906	Visa Interregional Corporate Card	Visa Interregional Corp Card
V907	Visa Interregional Purchasing & Distribution Card	Visa Int'reg Purch & Dist Card
V917	Visa Interregional Chip	Visa Interregional Chip
V918	Visa Interregional Electronic Commerce Merchant	VI Interrgnl Elect Comrc Mrcht
V919	Visa Interregional Secure Electronic Commerce	Vi Int'reg Secure Electrn Comm
V947	Visa Interregional Premium Card	Visa Interregional Prem Card
V948	Visa Interregional Super Premium Rate	Visa Interreg Super Prem Rate
V982	Visa Interregional Super Premium Card Not Present	Visa Inter Super Prem CNP
V983	Visa Interregional Super Premium Downgrade	Visa Inter Super Prem D'grade
V984	Visa Interregional Premium Card Not Present	Visa Inter Prem CNP
V985	Visa Interregional Premium Downgrade	Visa Inter Prem D'grade
V986	Visa Interregional Non-Premium Card Present	Visa Inter Non-Prem CP
V987	Visa Interregional Non-Premium Card Not Present	Visa Inter Non-Prem CNP
V988	Visa Interregional Non-Premium Downgrade	Visa Inter Non-Prem D'grade
V989	Visa Interregional Business Card Not Present	Visa Inter Business CNP
V990	Visa Interregional Business Downgrade	Visa Inter Business D'grade
V991	Visa Interregional Corporate Card Not Present	Visa Inter Corp CNP
V992	Visa Interregional Corporate Downgrade	Visa Inter Corp D'grade
V993	Visa Interregional Purchasing Card Not Present	Visa Inter Purch CNP
V994	Visa Interregional Purchasing Downgrade	Visa Inter Purch D'grade
V995	Visa Interregional Credit Voucher or Return Consumer	Visa Inter Refund Consumer
V996	Visa Interregional Credit Voucher or Return Commercial	Visa Inter Refund Commercial
VA1A	Visa Global B2B Virtual CommercialChoice Travel-Prog 1	VI Global B2BVirPymntspProgrm1
VA1F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 1	VIFlexRateB2BVirPymntsProg1
VA2A	Visa Global B2B Virtual CommercialChoice Travel-Prog 2	VI Global B2BVirPymntspProgrm2
VA2F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 2	VIFlexRateB2BVirPymntsProg2
VA3A	Visa Global B2B Virtual CommercialChoice Travel-Prog 3	VI Global B2BVirPymntspProgrm3
VA3F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 3	VIFlexRateB2BVirPymntsProg3
VA4A	Visa Global B2B Virtual CommercialChoice Travel-Prog 4	VI Global B2BVirPymntspProgrm4
VA4F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 4	VIFlexRateB2BVirPymntsProg4
VA5A	Visa Global B2B Virtual CommercialChoice Travel-Prog 5	VI Global B2BVirPymntspProgrm5
VA5F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 5	VIFlexRateB2BVirPymntsProg5
VA6A	Visa Global B2B Virtual CommercialChoice Travel-Prog 6	VI Global B2BVirPymntspProgrm6
VA6F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 6	VIFlexRateB2BVirPymntsProg6
VA7F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 7	VIFlexRateB2BVirPymntsProg7
VA8A	Visa Global B2B Virtual CommercialChoice Travel-Prog 8	VI Global B2BVirPymntsProg8
VA8F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 8	VIFlexRateB2BVirPymntsProg8
VA9A	Visa Global B2B Virtual CommercialChoice Travel-Prog 9	VI Global B2BVirPymntsProg9
VA9F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 9	VIFlexRateB2BVirPymntsProg9
VACE	Visa Acquirer Chip Fee Electronic	Visa Acquirer Chip Fee Electro
VACF	Visa Acquirer Chip Fee	Visa Acquirer Chip Fee
VAVP	Visa AP - Global B2B Virtual CommercialChoice Travel	Visa AP-Global B2B VirtualPmt
VB1A	Visa Global B2B Virtual CommercialChoice Travel-Prog 10	VI Global B2BVirPymntsProg10
VB1F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 10	VIFlexRateB2BVirPymntsProg10
VB2A	Visa Global B2B Virtual CommercialChoice Travel-Prog 11	VI Global B2BVirPymntsProg11
VB2F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 11	VIFlexRateB2BVirPymntsProg11
VB3A	Visa Global B2B Virtual CommercialChoice Travel-Prog 12	VI Global B2BVirPymntsProg12
VB3F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 12	VIFlexRateB2BVirPymntsProg12
VB4A	Visa Global B2B Virtual CommercialChoice Travel-Prog 13	VI Global B2BVirPymntsProg13
VB4F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 13	VIFlexRateB2BVirPymntsProg13
VB5A	Visa Global B2B Virtual CommercialChoice Travel-Prog 14	VI Global B2BVirPymntsProg14
VB5F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 14	VIFlexRateB2BVirPymntsProg14
VB6A	Visa Global B2B Virtual CommercialChoice Travel-Prog 15	VI Global B2BVirPymntsProg15
VB6F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 15	VIFlexRateB2BVirPymntsProg15
VB7A	Visa Global B2B Virtual CommercialChoice Travel-Prog 16	VI Global B2BVirPymntsProg16
VB7F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 16	VIFlexRateB2BVirPymntsProg16
VB8A	Visa Global B2B Virtual CommercialChoice Travel-Prog 17	VI Global B2BVirPymntsProg17
VB8F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 17	VIFlexRateB2BVirPymntsProg17
VB9A	Visa Global B2B Virtual CommercialChoice Travel-Prog 18	VI Global B2BVirPymntsProg18
VB9F	Visa Flexible Rate B2B CommercialChoice Omni-Prog 18	VIFlexRateB2BVirPymntsProg18
VC1V	Visa Global B2B Virtual CommercialChoice Travel-Prog 19	VI Global B2BVirPymntsProg19
VC2V	Visa Global B2B Virtual CommercialChoice Travel-Prog 20	VI Global B2BVirPymntsProg20
VC3V	Visa Global B2B Virtual CommercialChoice Travel-Prog 21	VI Global B2BVirPymntsProg21
VCAE	Visa CA Interregional Acquirer Chip Fee Electron	VI CA Interreg AcqChipFeeElect
VCCF	Visa CA Interregional Acquirer Chip Fee	VI CA Interreg AcquirerChipFee
VCIC	Visa CA Interregional Issuer Chip Fee	VI CA Interreg Issuer Chip Fee
VCIE	Visa International Consumer Electronic	Visa Intl Consumer Elec
VCIS	Visa International Consumer Uncategorized	Visa Inter Consumer Uncategor
VCVP	Visa Canada - Global B2B Virtual CommercialChoice Travel	Visa CAN GlobalB2BVirtualPmnts
VEAY	Visa Europe Interregional Uncategorized Debit	Visa EU Inter Uncategorized DB
VEB4	Visa Europe Interregional AUTHENTICTD SEC Debit	VI EU Interreg AUTHENTD SEC ID
VEB5	Visa Europe Interregional NONAUTHND MRCH Debit	VI EU Interreg NNATHND MRCH ID
VEBM	Switzerland/Liechtenstein Domestic Visa Credit CH NON-ER CR	Switz/Lie Dom VI CH NON-ER CR
VECN	Visa Electronic Commerce - Secure/NonAuthenticated	No Short Name in PS
VECS	Visa Electronic Commerce - Secure	No Short Name in Ps
VEDH	Visa Europe Intra-Regional CORPORATE STD	VI Eur Intra-Regionl CORP STD
VEDL	Visa Europe Interregional Uncategorized	Visa EU Inter Uncategorized
VEDR	Visa Europe Interregional AUTHENTICTD SEC	VI EU Interreg AUTHENTICTD SEC
VEDS	Visa Europe Interregional NONAUTHND MRCH	VI EU Interreg NONAUTHND MRCH
VEEM	Iceland Domestic Visa CORPORATE STD	Iceland Dom VI CORP STD
VEF2	Visa Europe Intra-EEA Ecomm BUS Prepaid	VI EU IntraEEA eCommBUSPrepaid
VEF8	Visa Europe Intra-EEA BUS E-Comm Prepaid MIN	VI EU IntraEEABUSE-commPrpdMIN
VEFP	Visa EU Intra-EEA Business eCommerce Debit - Group A	VI EU IntraEEA BUS EA Dbt GrpA
VEFQ	Visa Europe Intra-EEA CORP/PUR EMV	VI EU Intra-EEA CORP/PUR EMV
VEGF	Visa Europe Interregional CHIP FULL PIN	VI EU Interreg CHIP FULL PIN
VEGG	Visa Europe Interregional CHIP FULL	VI EU Interregional CHIP FULL
VEGH	Visa Europe Interregional CHIP TERMINAL	VI EU Interreg CHIP TERMINAL
VEHC	Visa Europe Interregional CHIP FULL PIN Debit	VI EU Intereg CHIP FULL PIN ID
VEHE	Visa Europe Interregional CHIP FULL Debit	VI EU Interreg CHIP FULL ID
VEHF	Visa Europe Interregional CHIP TERMINAL Debit	VI EU Intereg CHIP TERMINAL ID
VEHL	Visa Europe Intra-EEA CORP / PUR STD	VI EU Intra-EEA CORP / PUR STD
VENS	Visa Interregional Ecom - Non Secure & Non Auth	Visa Inter Ecom Uncategorized
VENY	Switzerland/Liechtenstein Domestic Visa CH EMV	Switz/Lie Dom VII CH EMV
VEO2	Switzerland/Liechtenstein Visa Debit CHF 20 - 50	CHE Visa Debit CHF 20 - 50
VEO3	Switzerland/Liechtenstein Visa Debit < CHF 50 - CHF 100	CHE Visa Debit < CHF50-CHF100
VEO4	Switzerland/Liechtenstein Visa Debit > CHF 100	CHE Visa Debit > CHF 100
VESL	Switzerland/Liechtenstein Domestic Visa Credit CH ECOM	Switz/Lie Dom VI Cred CH ECOM
VEVP	Visa Europe - Global B2B Virtual CommercialChoice Travel	Visa EU-Global B2B VirtualPmt
VFC1	Visa Flexible Rate B2B CommercialChoice Omni-Prog 19	VIFlexRateB2BVirPymntsProg19
VFC2	Visa Flexible Rate B2B CommercialChoice Omni-Prog 20	VIFlexRateB2BVirPymntsProg20
VFC3	Visa Flexible Rate B2B CommercialChoice Omni-Prog 21	VIFlexRateB2BVirPymntsProg21
VFP2	VISA Flexible Credential Consumer AP - Base	VIFlexCredConsBaseAP
VFP3	VISA Flexible Credential Consumer AP - Alternative	VIFlexCredConsAltAP
VFP4	VISA Flexible Credential Consumer AP - Standard	VIFlexCredConsStdAP
VHAK	Greece Domestic Visa CORPORATE	Greece Dom Visa CORP
VHDP	France Domestic Visa Business STD Debit	France Dom VI Business ID
VHDQ	France Domestic Visa Corporate STD	France Dom Visa Corporate
VHFG	Sweden Domestic Visa Corporate STD	Sweden Dom Visa Corporate
VHIN	Gibraltar Domestic Visa Corporate	Gibraltar Dom Visa Corporate
VIAA	Visa Interregional Airline Acquirer Chip	VI Interreg Air Acquirer Chip
VLME	Visa EEA Corporate Large Market Enterprise	Visa EEA Corp Lg Mkt Entrprs
VLVP	Visa LAC - Global B2B Virtual CommercialChoice Travel	Visa LAC-Global B2B VirtualPmt
VMLO	Visa Malta Domestic Corporate & Purchasing Standard	VisaMaltaDomCorpPurchStandard
VMLS	Visa Malta Domestic Corporate & Purchasing EMV Chip	VisaMaltaDomCorp&Purch EMVChip
VMLT	Visa Malta Domestic Corporate&PurchasingElectronicAuthorised	VisaMaltaDomCorp&PurchElctAuth
VMLX	Visa Malta Domestic Corporate & Purchasing Secure E-Commerce	VisaMaltaDomCorpPurchSec EComm
VPRM	Visa Interregional Premium Card - CA	Visa Interregional Premium Card - CA
VSMT	Visa CPS Supermarket Retail SigPreferred	VI CPS SpmktRetail SigPref
VSPC	Spain Domestic Visa Credit (< or = 20)	SpainDomVisaCredit< or = 20
VSPF	Spain Domestic Visa Credit (> 20)	Spain Dom Visa Credit > 20
VSPL	Spain Domestic Commercial Base Visa Credit	Spain Dm Comm Base Visa Credit
VSPM	Spain Domestic Commercial Base Visa Debit	Spain Dm Comm Base Visa Debit
VSPO	Spain Domestic Commercial Retail Visa Credit	Spain Dm Comm Retail Visa Crdt
VSPP	Spain Domestic Commercial Retail Visa Debit	Spain Dm Comm Retail Visa Dbt
VSPQ	Spain Domestic Commercial Travel Visa Credit	Spain Dm Comm Trvl Visa Credit
VSPT	Spain Domestic Commercial Travel Visa Debit	Spain Dm Comm Trvl Visa Debit
VSPW	Spain Domestic Commercial Small Merchant Visa Credit	Spain Dm Comm SmMerch Visa Dbt
VUVP	Visa US - Global B2B Virtual CommercialChoice Travel	Visa US-Global B2B VirtualPmt
VV02	Visa Europe Intra-EEA BUS eCommerce Prepaid MAX - Charity	VIEUIntraEEABUSeComPrpdMXChrty
VV05	Visa Europe Intra-EEA BUS eComm Prepaid MAX - Money Services	VI EUIntraEEABUSeComPPMXMnySrv
VV08	Visa Europe Intra-EEA Business Platinum eCommerce	VI EU IntraEEA BUS Plat eComm
VV11	Visa Europe Intra-EEA Business Infinite eCommerce	VI EU IntraEEA BUS Inf eComm
VV21	Visa EU Intra-EEA BUS eCommerce Dbt - Charity - Group B	VIEUIntraEEABUSeComDbChrtyGrpB
VV22	Visa EU Intra-EEA BUS eCommerce Dbt MAX - Charity - Group B	VIEUIntrEEABUSeComDbMXChtyGrpB
VV27	Visa EU Intra-EEA BUS eComm Debit - Money Services - Group B	VIEUIntrEEABUSeComDbMnySrvsGpB
VV28	Visa EU Intra-EEA BUS eComm Debit MAX - Money Services Grp B	VIEUIntEEABUSeComDbMXMnySrvGpB
VV31	Visa EU Intra-EEA BUS Platinum Debit EMV - Group A	VI EU IntEEABUSPlatDbtEMV GrpA
VV32	Visa EU Intra-EEA BUS Infinite Debit EMV - Group A	VI EU IntEEA BUSInfDbtEMV GrpA
VV33	Visa EU Intra-EEA BUS Platinum Debit eCom - Group A	VI EUIntEEABUSPlatDbteCom GrpA
VV34	Visa EU Intra-EEA BUS Infinite Debit eCom - Group A	VI EU IntEEABUSInfDbteCom GrpA
VV35	Visa EU Intra-EEA BUS Platinum Debit STD - Group A	VI EU IntEEABUSPlatDbtSTD GrpA
VV36	Visa EU Intra-EEA BUS Infinite Debit STD - Group A	VI EU IntEEA BUSInfDbtSTD GrpA
VV37	Visa EU Intra-EEA BUS Platinum Debit EMV - Group B	VI EU IntEEABUSPlatDbtEMV GrpB
VV38	Visa EU Intra-EEA BUS Infinite Debit EMV - Group B	VI EU IntEEA BUSInfDbtEMV GrpB
VV39	Visa EU Intra-EEA BUS Platinum Debit eCom - Group B	VI EUIntEEABUSPlatDbteCom GrpB
VV40	Visa EU Intra-EEA BUS Infinite Debit eCom - Group B	VI EU IntEEABUSInfDbteCom GrpB
VV41	Visa EU Intra-EEA BUS Platinum Debit STD - Group B	VI EU IntEEABUSPlatDbtSTD GrpB
VV42	Visa EU Intra-EEA BUS Infinite Debit STD - Group B	VI EU IntEEA BUSInfDbtSTD GrpB
VV43	Visa EU Intra-EEA BUS Plat & Infin Dbt - Charity - (A)	VIEUIntEEABUSPlatInfDbtChtyGpA
VV44	Visa EU Intra-EEA BUS Plat & Infin Dbt MAX - Charity (A)	VIEUIntEEABUSPltInfDbMxChtyGpA
VV45	Visa EU Intra-EEA BUS Plat & Infin Dbt - Money Serv (A)	VIEUIntEEABUSPlaInfDbMonSrvGpA
VV46	Visa EU Intra-EEA BUS Plat & Infin Dbt MAX - Money Serv (A)	VIEUIntEEABUSPlaInfDbMxChtyGpA
VV47	Visa EU Intra-EEA BUS Plat & Infin EMV Dbt - Charity (B)	VIEUInEEABUSPlaInfEMVDbChtyGpB
VV48	Visa EU Intra-EEA BUS Plat & Infin EMV Dbt MAX - Charity (B)	VIEUInEEABSPlInfEMVDbMxChtyGpB
VV49	Visa EU Intra-EEA BUS Plat & Infin eComm Dbt - Charity (B)	VIEUIntEEABSPlInfeComDbChtyGpB
VV50	Visa EU Intra-EEA BUS Plat & Infin eComm Dbt MAX Charity (B)	VIEUInEEABSPlIneComDbMxChtyGpB
VV51	Visa EU Intra-EEA BUS Plat & Infin STD Dbt - Charity (B)	VIEUInEEABUSPlaInfSTDDbChtyGpB
VV52	Visa EU Intra-EEA BUS Plat & Infin STD Dbt MAX - Charity (B)	VIEUInEEABSPlInfSTDDbMxChtyGpB
VV53	Visa EU Intra-EEA BUS Plat & Infin EMV Dbt - Money Serv (B)	VIEUInEEABSPlInfEMVDbMonSrvGpB
VV54	Visa EU Intra-EEA BUS Plat & Infin EMV Dbt MAX-Money Serv(B)	VIEUInEEABSPlInEMVDbMxMnSrvGpB
VV55	Visa EU Intra-EEA BUS Plat & Infin eComm Dbt Money Serv (B)	VIEUInEEABSPlInfeComDbMnSrvGpB
VV56	Visa EU Intra-EEA BUS Plat & Infin eComm Dbt MAX MoneyServ B	VIEUInEEABSPlIneCmDbMxMnSrvGpB
VV57	Visa EU Intra-EEA BUS Plat & Infin eComm Dbt MAX MoneyServ B	VIEUInEEABSPlIneCmDbMxMnSrvGpB
VV58	Visa EU Intra-EEA BUS Plat & Infin STD Dbt MAX-MoneyServ (B)	VIEUInEEABSPlInSTDDbMxMnSrvGpB
VVAA	Visa Europe Intra-EEA BUS eCommerce	VI EU Intra-EEA BUS ECOMM
VVAB	Visa Europe Intra-EEA CORP / PUR eCommerce	VI EU Intra-EEA CORP PUR ECOM
VVAP	Visa EU Intra-EEA Business eCommerce Debit - Group B	VI EU IntraEEA BUSeComDbt GrpB
VVAR	France Domestic Visa Business Ecommerce Debit	France Dom VI Bus Debit Ecom
M1A0	MC EU Domestic Consumer Credit Contactless	MCEUD Consumer CR Contactless
M1A2	MC DE Domestic Consumer Credit Chip	MCDE Consumer CR Chip
M1A3	MC EU Domestic Consumer Credit Enhanced Electronic	MCEUD Consumer CR Enh Electr
M1A4	MC EU Domestic Consumer Credit Merchant UCAF	MCEUD Consumer CR Merch UCAF
M1A5	MC EU Domestic Consumer Credit Full UCAF	MCEUD Consumer CR Full UCAF
M1A6	MC EU Domestic Consumer Credit Base	MCEUD Consumer CR Base
M1AA	MC EU Domestic Consumer Debit Contactless	MCEUD Consumer DB Contactless
M1AB	MC EU Domestic Consumer Debit Chip & Pin	MCEUD Consumer DB Chip & Pin
M1AD	MC EU Domestic Consumer Debit Enhanced Electronic	MCEUD Consumer DB Enh Electon
M1AE	MC EU Domestic Consumer Debit Merchant UCAF	MCEUD Consumer DB Merch UCAF
M1AF	MC EU Domestic Consumer Debit Full UCAF	MCEUD Consumer DB Full UCAF
M1AG	MC EU Domestic Consumer Debit Base	MCEUD Consumer DB Base
M1BI	MC EU Domestic Corporate Prepaid Enhanced Elect	MCEUD MC CorPpaid Enh Elec
M1CG	MC EU Domestic Business Premium Contactless	MCEUD BPremium Contactless
M1CH	MC EU Domestic Business Premium Chip & Pin	MCEUD BPremium Chip & Pin
M1CJ	MC EU Domestic Business Premium Enhanced Electronic	MCEUD BPremium Enhanced Elec
M1CK	MC EU Domestic Business Premium Base	MCEUD BPremium Base
M1FB	MC EU Domestic DMC Business Contactless	MCEUD DMCBusine Contactless
M1FC	MC EU Domestic DMC Business Chip & Pin	MCEUD DMCBusine Chip & Pin
M1FE	MC EU Domestic DMC Business Enhanced Electronic	MCEUD DMCBusine Enhanced Elec
M1FF	MC EU Domestic DMC Business Base	MCEUD DMCBusine Base
M1HR	Maestro Spain Commercial Debit Prepaid T1 Standard	Maestro ES Comm T1 Standard
M1HS	Maestro Spain Commercial Debit Prepaid T1 Retailers	Maestro ES Comm T1 Retailers
M1HT	Maestro Spain Commercial Debit Prepaid T1 RTE	Maestro ES Comm T1 RTE
M1HU	Maestro Spain Commercial Debit Prepaid T2 Standard	Maestro ES Comm T2 Standard
M1HV	Maestro Spain Commercial Debit Prepaid T2 Retailers	Maestro ES Comm T2 Retailers
M1HW	Maestro Spain Commercial Debit Prepaid T2 RTE	Maestro ES Comm T2 RTE
M1HX	Maestro Spain Commercial Debit Prepaid T3 Standard	Maestro ES Comm T3 Standard
M1HY	Maestro Spain Commercial Debit Prepaid T3 Retailers	Maestro ES Comm T3 Retailers
M1HZ	Maestro Spain Commercial Debit Prepaid T3 RTE	Maestro ES Comm T3 RTE
M1M0	Maestro EU Domestic Consumer Contactless	IMEUD Consumer CntLess
M1M1	Maestro EU Domestic Consumer Chip & Pin	IMEUD Consumer Chip & Pin
M1M2	Maestro EU Domestic Consumer Secure e & m Commerce	IMEUD Consumer Secure eCOM
M1M3	Maestro EU Domestic Consumer MOTO	IMEUD Consumer MOTO
M1M4	Maestro EU Domestic Consumer Base	IMEUD Consumer Base
M1M9	Maestro Luxembourg Consumer Low Value Payments	IM LUX Consumer Low Value
M1MU	MC EU Domestic Corporate Prepaid Incentive Chip and Pin	MCEUD MC CorPpaid Inc Chip Pin
M1MW	MC EU Domestic Corporate Prepaid Incentive Enhanced Elect	MCEUD MC CorPpaid Inc Enh Elec
M1MX	MC EU Domestic Corporate Prepaid Incentiv Base	MCEUD MC CorpoPpaid Inc Base
M1T5	MC Spain Consumer Credit Low Value Payments Card Present	MCES Consumer CR LVP CP
M1T6	MC Spain Consumer Credit Low Value Payments Card Not Present	MCES Consumer CR LVP CNP
M1T7	MC Spain Consumer Credit Base	MCES Consumer CR Base
M1TP	MC Belgium Consumer Debit Prepaid Contactless	MCBE Consumer DBPP Contles Max
M1TQ	MC Belgium Consumer Debit Prepaid Chip & Pin	MCBE Consumer DBPP ChipPIN Max
M1TR	MC Belgium Consumer Debit Prepaid Enhanced Electronic	MCBE Consumer DBPP Enh Ele Max
M1TS	MC Belgium Consumer Debit Prepaid Merchant UCAF	MCBE Consumer DBPP M UCAF Max
M1TT	MC Belgium Consumer Debit Prepaid Full UCAF	MCBE Consumer DBPP F UCAF Max
M1TU	MC Belgium Consumer Debit Prepaid Base	MCBE Consumer DBPP Base Max
M1UH	MC DE Consumer Debit Chip	MC DE Consumer DB Chip
M1UI	MC DE Consumer Debit Enhanced Electronic	MC DE Consumer DB Enh Electro
M1UK	MC Spain Consumer Debit Base Max	MC ES Consumer DBPP Base Max
M1UL	MC Spain Consumer Debit Low Value Card Present	MC ES Consumer DBPP LVP CP
M1UM	MC Spain Consumer Debit Low Value Card Not Present	MC ES Consumer DBPP LVP CNP
M1UN	MC Spain Consumer Debit Base	MC ES Consumer DBPP Base
M1UO	Mastercard Installments Program	MC Installment Pgm
M1V9	Maestro Belgium Consumer Contactless Max	IMBE Consumer CntLess Max
M1VA	Maestro Belgium Consumer Chip & Pin Max	IMBE Consumer Chip & Pin Max
M1VB	Maestro Belgium Consumer Secure e & m Commerce Max	IMBE Consumer Secure eCOM Max
M1VC	Maestro Belgium Consumer MOTO Max	IMBE Consumer MOTO Max
M1VD	Maestro Belgium Consumer Base Max	IMBE Consumer Base Max
M1WA	IM Spain Consumer Debit Base Max	IM ES Consumer DB Base Max
M1WB	IM Spain Consumer Debit Low Value Card Present	IM ES Consumer DB LVP CP
M1WC	IM Spain Consumer Debit Low Value Card Not Present	IM ES Consumer DB LVP CNP
M1WD	IM Spain Consumer Debit Base	IM ES Consumer DB Base
M1X0	MC Spain Commercial Credit T2 RTE	MC ES Comm CR T2 RTE
M1X1	MC Spain Commercial Debit Prepaid T2 Standard	MC ES Comm DBPP T2 Standard
M1X2	MC Spain Commercial Debit Prepaid T2 Retailers	MC ES Comm DBPP T2 Retailers
M1X3	MC Spain Commercial Debit Prepaid T2 RTE	MC ES Comm DBPP T2 RTE
M1X4	MC Spain Commercial Credit T3 Standard	MC ES Comm CR T3 Standard
M1X5	MC Spain Commercial Credit T3 Retailers	MC ES Comm CR T3 Retailers
M1X6	MC Spain Commercial Credit T3 RTE	MC ES Comm CR T3 RTE
M1X7	MC Spain Commercial Debit Prepaid T3 Standard	MC ES Comm DBPP T3 Standard
M1X8	MC Spain Commercial Debit Prepaid T3 Retailers	MC ES Comm DBPP T3 Retailers
M1X9	MC Spain Commercial Debit Prepaid T3 RTE	MC ES Comm DBPP T3 RTE
M1XX	MC DE Commercial Cards Contactless	MCDE Commercial Contactless
M1XY	MC DE Commercial Cards Chip	MCDE Commercial Chip
M1XZ	MC DE Commercial Cards Base	MCDE Commercial Base
M1Y0	Debit MC DE Commercial Cards Contactless	DMCDE Commercial Contactless
M1Y1	Debit MC DE Commercial Cards Secured	DMCDE Commercial Secured
M1Y2	Debit MC DE Commercial Cards Electronic	DMCDE Commercial Electronic
M1Y3	Debit MC DE Commercial Cards Base	DMCDE Commercial Base
M1Y4	MC DE Commercial Cards Contactless Touristic	MCDE Commercial Ctless Tourist
M1Y5	MC DE Commercial Cards Chip Touristic	MCDE Commercial Chip Tourist
M1Y6	MC DE Commercial Cards Base Touristic	MCDE Commercial Base Tourist
M1Y7	Debit MC DE Commercial Cards Contactless Touristic	DMCDE Commercial Ctles Tourist
M1Y8	Debit MC DE Commercial Cards Secured Touristic	DMCDE Commercial Secur Tourist
M1Y9	Debit MC DE Commercial Cards Electronic Touristic	DMCDE Commercial Elec Tourist
M1YA	Debit MC DE Commercial Cards Base Touristic	DMCDE Commercial Base Tourist
M1YB	MC DE Commercial Cards Contactless SuperMarket	MCDE Commercial Ctless Super
M1YC	MC DE Commercial Cards Chip SuperMarket	MCDE Commercial Chip Super
M1YD	MC DE Commercial Cards Base SuperMarket	MCDE Commercial Base Super
M1YE	Debit MC DE Commercial Cards Contactless SuperMarket	DMCDE Commercial Ctles Super
M1YF	Debit MC DE Commercial Cards Secured SuperMarket	DMCDE Commercial Secur Super
M1YG	Debit MC DE Commercial Cards Electronic SuperMarket	DMCDE Commercial Elec Super
M1YH	Debit MC DE Commercial Cards Base SuperMarket	DMCDE Commercial Base Super
M1YI	MC DE Commercial Cards Contactless Households	MCDE Commercial Ctless House
M1YJ	MC DE Commercial Cards Chip Households	MCDE Commercial Chip House
M1YK	MC DE Commercial Cards Base Households	MCDE Commercial Base House
M1YL	Debit MC DE Commercial Cards Contactless Households	DMCDE Commercial Ctles House
M1YM	Debit MC DE Commercial Cards Secured Households	DMCDE Commercial Secur House
M1YN	Debit MC DE Commercial Cards Electronic Households	DMCDE Commercial Elec House
M1YO	Debit MC DE Commercial Cards Base Households	DMCDE Commercial Base House
M1YQ	Mastercard Commercial Payments Account STD MCC Lower 3000	MC CommPayAcc STD Lower 3000
M1YR	Mastercard Commercial Payments Account STD MCC Greater 3000	MC CommPayAcc STD Greater 3000
M1YS	MC Spain Commercial Credit T1 Standard	MC ES Comm CR T1 Standard
M1YT	MC Spain Commercial Credit T1 Retailers	MC ES Comm CR T1 Retailers
M1YU	MC Spain Commercial Credit T1 RTE	MC ES Comm CR T1 RTE
M1YV	MC Spain Commercial Debit Prepaid T1 Standard	MC ES Comm DBPP T1 Standard
M1YW	MC Spain Commercial Debit Prepaid T1 Retailers	MC ES Comm DBPP T1 Retailers
M1YX	MC Spain Commercial Debit Prepaid T1 RTE	MC ES Comm DBPP T1 RTE
M1YY	MC Spain Commercial Credit T2 Standard	MC ES Comm CR T2 Standard
M1YZ	MC Spain Commercial Credit T2 Retailers	MC ES Comm CR T2 Retailers
MBTA	MC B2B Product 7 - MTA	MC B2B Prod7 MTA
MBTB	MC B2B Product 8 - MTB	MC B2B Prod8 MTB
MBTC	MC B2B Product 9 - MTC	MC B2B Prod9 MTC
MBTD	MC B2B Product 10 - MTD	MC B2B Prod10 MTD
MBTE	MC B2B Product 11 - MTE	MC B2B Prod11 MTE
MBTF	MC B2B Product 12 - MTF	MC B2B Prod12 MTF
MBTG	MC B2B Product 13 - MTG	MC B2B Prod13 MTG
MBTH	MC B2B Product 14 - MTH	MC B2B Prod14 MTH
MBTI	MC B2B Product 15 - MTI	MC B2B Prod15 MTI
MBTJ	MC B2B Product 16 - MTJ	MC B2B Prod16 MTJ
MBTK	MC B2B Product 17 - MTK	MC B2B Prod17 MTK
MBTL	MC B2B Product 18 - MTL	MC B2B Prod18 MTL
MBTM	MC B2B Product 19 - MTM	MC B2B Prod19 MTM
MBTN	MC B2B Product 20 - MTN	MC B2B Prod20 MTN
MBTO	MC B2B Product 21 – MTO	MC B2B Prod21 MTO
MBTQ	MC B2B Product 22 - MTQ	MC B2B Prod22 MTQ
MBTR	MC B2B Product 23 - MTR	MC B2B Prod23 MTR
MBTS	MC B2B Product 24 - MTS	MC B2B Prod24 MTS
MBTT	MC B2B Product 25 - MTT	MC B2B Prod25 MTT
MBTU	MC B2B Product 26 - MTU	MC B2B Prod26 MTU
MBTV	MC B2B Product 27 - MTV	MC B2B Prod27 MTV
MFH2	EEA Card Present Debit Restricted Rates	IM IntraReg EEA Restric CP DB
MFH4	EEA Card Not Present Debit Restricted Rates	IM IntraReg EEA Restric CNP DB
MHAV	MC Interregional Consumer Rate 1 Digital Commerce - Core	MC InterConsRate1 DigiCommCore
MHAW	MC Interregional Consumer Rate 1 Digital Commerce - Premium	MC InterConsRate1 DigiCommPrem
MHAX	MC Interregional Consumer Rate 1 Digital Commerce - Super Premium	MCInterConsRate1DigCommSupPrem
MHAY	MC Interregional Consumer Rate 2 Card Present - Core	MC Inter Cons Rate 2 CP Core
MHAZ	MC Interregional Consumer Rate 2 Card Present - Super	MC Inter Cons Rate2 CP Super
MHB1	MC Interregional Consumer Rate 2 Card Present - Super Premium	MC Inter ConsRate2 CPSuperPrem
MHB2	MC Interregional Consumer Rate 3 Base - Core	MC Inter Cons Rate 3 Base Core
MHB3	MC Interregional Consumer Rate 3 Base - Premium	MC Inter Cons Rate 3 Base Prem
MHB4	MC Interregional Consumer Rate 2 Card Present Super Premium	MC Inter ConsRate3Base SupPrem
MXAA	EEA Card Present Credit Restricted Rates	MC IntraReg EEA Restric CP CR
MXAB	EEA Card Present Debit Restricted Rates	MC IntraReg EEA Restric CP DB
MXAC	EEA Card Not Present Credit Restricted Rates	MC IntraReg EEA Restric CNP CR
MXAD	EEA Card Not Present Debit Restricted Rates	MC IntraReg EEA Restric CNP DB

_{Updated 17 July 2024}

For additional Payment Brand related information, please click here.

The information herein includes summaries of select changes, and the changes summarized here are subject to modification by the Card Brands, including Visa® and Mastercard® at any time. This document was prepared for informational use only and does not substitute for the Card Brands, including Visa® and Mastercard® release documentation, or as a substitute for technical/coding specifications. Should there be a conflict between the information contained herein and the actual Card Brands, including Visa® and Mastercard® release documentation or technical/coding specifications, the latter will govern. To ensure you are aware of all requirements applicable to you, the merchant, review all documentation in its entirety. Information in this document has been obtained from sources believed to be reliable, but neither Chase nor any of its affiliates warrant the completeness or accuracy of the information contained herein. If you have franchisees or sub-merchants, they may not be receiving payment brand updates from us. You are responsible for communicating these financial impacts and process changes to your franchisees or sub-merchants.

© 2025 JPMorgan Chase & Co. Member FDIC. Deposits held in non-U.S. branches are not FDIC insured. All rights reserved. The statements herein are confidential and proprietary and not intended to be legally binding. Not all products and services are available in all geographical areas. Visit jpmorgan.com/paymentsdisclosure for further disclosures and disclaimers related to this content.

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Payment Brand Changes

Visa®

April 2025 – Updated Visa Europe service fees in select countries

April 2025 – Visa Infinite Business intra-Europe interchange program updates

Visa Infinite Business domestic interchange program updates in multiple countries

April 2025 – New cyber threat protection fee

April 2025 – Innovation and Market Development fee

March 2025 – Updates to domestic interchange rates in France

January 2025 – New commercial interchange fees in Spain

January 2025 – Updates to domestic interchange rates in Czech Republic, Germany, and Italy

October 2024 – Processing Integrity Program update

October 2024 – Visa Commercial Omni and Visa Commercial Choice Travel Program new interchange rates

May 2024 – Updated interchange rates in Portugal

April 2024 – New non-domestic currency settlement volume fee

April 2024 – New funding source for Visa Platinum Business, Visa Infinite Business, and Visa Corporate

April 2024 – Intra-EEA & domestic commercial interchange fees

April 2024 – Visa consumer interchange fee updates in Belgium

April 2024 – New Visa Integrity Risk fee

Mastercard®

May 2025 – Mastercard connectivity fee update

DIMP – Acquirer Skipping Exemption Flag updates

October 2025 – Updated commercial debit interchange rates in Denmark and Finland

April 2025 – CPDF and Wholesale Travel Program update

April 2025 – Advanced Digital Transaction Services AVS and CVC2 fees updates

CNP interchange updates in Switzerland

April 2025 – Introducing the Mastercard Flex Program

April 2025 – Updates to the Market Development Fund for Luxembourg, Spain, and France

March 2025 – Prepaid consumer credit interchange rate updates in France

January 2025 – Data Integrity Monitoring Program edit for Token Strong Customer Authentication

January 2025 – New advanced digital transaction services: MDES authentication fees

January 2025 – New time-based authorization validity value fees in the European Economic Area countries, the United Kingdom, and Gibraltar

January 2025 – Updated commercial interchange rates in Denmark and Finland

January 2025 – M/Chip Deployment Performance Program for POS supported by a third-party integrator

Mastercard single tap enablement

MDES tokenization services fee

September 2024 – Revised reported transaction fee in Ireland

Updates to Trace ID usage under Data Integrity Monitoring

August 2024 – Modified domestic point-of-sale interchange fee in Switzerland

August 2024 – Excessive authorization attempts Transactions Processing Excellence (TPE) Program

July 2024 – Revised Mastercard interregional cross-border pricing

July 2024 – Revised Maestro interregional cross-border pricing

July 2024 – Mastercard interregional card-not-present fee rate update

July 2024 – Volume fee update in Cyprus and Malta

April 2024 – Additional interchange rates for the Wholesale Travel Program

April 2024 – Mastercard consumer cnterchange fee updates in Belgium

April 2024 – Maestro consumer interchange fee updates in Belgium

April 2024 – Customer Performance Development Fund in Switzerland

Visa®

April 2025 – Visa Protect Authentication Intelligence score

Token MIT update

Introducing Visa Flexible Credential service

3DS requirements by Banque de France

Standing instruction MITs for device tokens

October 2025 – Credit voucher and merchandise return authorizationin the UK and Ireland

Transparent Consumer Choice rules and requirements

Extended deferred authorization request timelines in Denmark when online connectivity is unavailable

Updates on Visa Smart Debit/Credit Certificate Authority Annual Key Assessment

April 2025 – Introducing new authorization response codes

April 2025 – Changes to currency code for Curaçao and Sint Maarten

April 2025 – AFD authorization changes

January 2025 – UCAT PIN updates

VMAAS is now Visa Flexible Credential

Support for EMV 3-D Secure 2.3.1.1 and EMV 3DS Bridging Message Extension v2.0

October 2024 – Jurisdictional use of account range

October 2024 – Global Processing Electronic Data Quality Program

September 2024 – EMV 3DS 2.1.0 support discontinued

August 2024 – Secure program updates

Paper option now allowed for non-reloadable prepaid cards

August 2024 – Visa Secure SDK Encryption Key Certificate update

August 2024 – CVV2 will no longer be required for Visa Secure transactions

July 2024 – Changes to transactions destined to India