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Payment Brand Changes Europe

Payment Brand Changes

Europe

We provide important information every 15th of the month from the Payment Brands regarding changes to operating rules, fees, compliance requirements, and other industry updates that may impact your processing account. We recommend bookmarking this page and visiting regularly to stay informed of updates. This page may also be accessed from our reporting tools.

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Visa®

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

Date

What’s happening

1 January 2026

(midnight Bulgaria time)

New authorization and refund requests in Bulgarian lev (BGN) will be rejected by Visa.

Make sure to start using euro (EUR).

28 February 2026

Clearing in BGN will be honored until this date for transactions authorized prior to 1 January 2026.

Make sure to send clearing messages in the same currency as the authorization message.

_{Published 15 September 2025 | P2025.2121}

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

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

_{Published 15 September 2025 | P2025.0644}

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

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

Response Code	Description
00	Approved and completed successfully
85	No reason to decline a request for address verification, CVV2 verification, or credit voucher or merchandise return
N0	Force STIP

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

Response Code	Description
03	Invalid merchant
13	Invalid amount, or currency conversion field overflow
14	Invalid account number
46	Closed account
57¹	Transaction not permitted to cardholder
59	Suspected fraud
78²	Blocked, first used or special condition—new cardholder not activated or card is temporarily blocked
93	Transaction cannot be completed—violation of law

_{1. Applies only to non-reloadable prepaid cards that do not support credit transaction types, or certain healthcare-related prepaid products where transactions are restricted to certain merchant categories. Response code 57 is not valid for general credit or debit card transactions.

2. This is not a new response code; it already exists for other transactions, but it is now being leveraged for merchandise return and credit vouchers.}

_{Published 15 September 2025 | P2025.0649}

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

For effective AVS results, follow these best practices:

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

_{Published 15 September 2025 | P2025.1593}

On 1 October 2025, the Visa Secure Credential Framework fee will increase to 0.075% from 0.025% for all domestic or intraregional card-not-present (CNP) primary account number authorization approvals processed without Visa EMV payment tokens or Visa Secure (EMV 3DS).

This fee does not apply to domestic or intraregional CNP authorization approvals that are processed via mail order/telephone order (MOTO)¹.

_{1. Except when used to establish a future standing instruction merchant-initiated transaction.}

_{Published 15 August 2025 | P2024.1905}

On 1 October 2025, Visa will update their Commercial Choice (VCC¹) Travel fee for domestic and intraregional credit, debit, prepaid, deferred debit, and charge transactions.

Additionally, interregional VCC travel transactions will be charged the International fee.

Table – Visa Commercial Choice Travel Fee Update

Fee Name	Current Rate	New Rate
Visa B2B Virtual Payments Domestic	0.60%	0.75%
Visa B2B Virtual Payments International	1.00%	1.00% (no change)

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

_{Published 15 August 2025 | P2025.1005}

Beginning 18 October 2025, Visa will require all businesses in Europe to be able to actively offer Click to Pay for customers to complete online shopping transactions. To be ready for this requirement, contact your third party payment gateway provider to make sure they are Visa Click to Pay certified.

_{Published 15 May 2025 | P2024.1034}

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}

Beginning 1 September 2025, a non-compliance fee of 0.08% will be charged on settled cardholder-initiated card-not-present transactions where the authorization-to-clearing date is greater than 10 days. This fee is in addition to any existing Processing Integrity fees or possible dispute impacts.

This fee may be avoided, by doing the following:

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

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

_{1. Except for lodging, cruise lines, and vehicle rental agencies. These industries have 30 days to clear transactions before this fee is assessed if the initial authorization is submitted and properly identified as an estimated authorization.}

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

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

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

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

The following domestic debit interchange rates for Visa will be effective on 15 August 2025.

Table – Visa Updated Domestic Interchange Rates for Debit Transactions

Rate Code	Fee Name	Current Rate	New Rate
VELB	France Domestic Visa BUS EMV Debit	0.90%	1.65%
VHDP	France Domestic Visa Business STD Debit	1.65%	1.90%
VVAR	France Domestic Visa Business Ecommerce Debit	1.65%	1.90%

_{Published 15 July 2025}

On 11 July 2025, Visa will introduce their new domestic interchange rates for Consumer Immediate Debit cards as shown below.

Table – Visa New Card-Present and Card-Not-Present Consumer Interchange Rates for Debit Transactions Including V PAY

Rate Code	Interchange Name	New Rate
V123	VI CH Domestic CP Debit	0.20%
V124	VI CH Domestic CP Debit - Everyday Spend	0.12%
V125	VI CH Domestic CP Debit - Everyday Spend Cap	0.36 CHF
V126	VI CH Domestic CP Debit VPAY	0.12%
V127	VI CH Domestic CP Debit VPAY Cap	0.36 CHF
V128	VI CH Domestic CNP Debit	0.31%
V129	VI CH Domestic CNP Debit V Pay	0.31%
V192	VI CH Domestic CP Debit Tokenised	0.31%
V193	VI CH Domestic CP VPAY Tokenised	0.31%

_{Published 13 June 2025 | P2023.1021}

Update: The Visa Smart Debit/Credit (VSDC) Certificate Authority (CA) 1408-bit public key must be removed from all terminals by 1 July 2025 to prevent transaction processing failures.

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 June 2025 | P2025.0233

Updated 13 December 2024 | P2024.1949

Published 15 November 2024 | P2022.1122}

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}

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

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

_{Published 15 May 2025 | P2024.2594}

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}

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}

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 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 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}

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

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 avoid system failures and to ensure your systems are able to receive the new authorization response codes.

_{Updated 15 May 2025 | P2024.1963

Published 14 March 2025 | P2024.1963}

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 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}

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 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}

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}

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

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}

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}

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}

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}

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}

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}

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}

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}

Mastercard®

On 1 January 2026, Mastercard will amend their merchant advice code (MAC) fee Transaction Processing Excellence criteria to no longer include the same amount condition in a transaction. The 0.50 EUR fee remains the same, and will continue to be assessed on transactions that meet the following criteria:

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

_{Published 15 September 2025 | P2024.2224}

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

Date

What’s happening

1 January 2026

(midnight Bulgaria time)

New authorization and refund requests in Bulgarian lev (BGN) will be rejected by Mastercard.

Make sure to start using euro (EUR).

30 April 2026

Clearing in BGN will be honored until this date for transactions authorized prior to 1 January 2026.

Make sure to send clearing messages in the same currency as the authorization message.

_{Published 15 September 2025 | P2025.1973}

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

Table 1 – Mastercard Wholesale Travel Global Interchange Rates

Fee Name	New Rate
MC B2B Product 20 - MTN	2.00%
MC B2B Product 21 - MTO	2.00%
MC B2B Product 22 - MTQ	2.00%

_{Published 15 September 2025 | P2025.0822}

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

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

Table – Mastercard Authorization Resubmission Strategy for MITs

Merchant Advice Code	Recommended Merchant Action
01 (New account information available)	Obtain updated account information from the Cardholder or through Automatic Billing Updater before the next attempt.
02 (Cannot approve at this time, try again later)	Wait 24 hours before resubmitting the authorization request.
03 (Do not try again)	Do not resubmit the authorization request.
21 (Payment Cancellation) NOTE: This value is for Mastercard use only.	Do not resubmit the authorization request.

Please visit our Developer Center for the complete specifications.

_{Published 15 September 2025 | P2025.0437}

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 1 October 2025, Mastercard will begin charging Ireland-domiciled merchants the Customer Performance Development Fund (CPDF) No Authentication fee for both approved and declined transactions. Previously, only declined transactions were subject to this fee.

Table – Mastercard CPDF No Authentication Fee

Fee Name	Rate
MC CPDF No Authentication Fee – Approved and Declined	0.03%
MC CPDF No Authentication Fee – Approved and Declined Cap	30.00 EUR

_{Published 15 August 2025 | P2021.0737b}

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

As a result of this change, the following fees will be discontinued:

Table – Discontinued Mastercard Multi-Currency Settlement Fee

Fee Name	Current Rate
MasterCard EU Domestic/Intra-Regional Cross Currency Fee (Settle Currency Not Available)	0.03%
MasterCard EU Inter-Regional Cross Currency Fee (Settle Currency Not Available)	0.13%

_{Published 15 August 2025 | P2025.0102}

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

Transactions should be 3DS authenticated, or
Transactions should be tokenized and include a Token Requestor ID

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

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

Rate Code	Fee Name	Current Rate	New Rate
MHB2	MC Interregional Consumer Rate 3 Base - Core	1.60%	1.65%
MHB3	MC Interregional Consumer Rate 3 Base - Premium	1.85%	1.90%
MHB4	MC Interregional Consumer Rate 3 Card Present Super Premium	1.98%	2.03%

_{Published 15 August 2025 | P2025.0168}

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}

On 16 September 2025, Mastercard will introduce their new domestic Meal Voucher interchange fees in Germany as follows. Take note that a maximum amount of EUR 0.05 applies to refund transactions.

Table – New Mastercard Prepaid Meal Voucher Domestic Interchange Fees for Prepaid Transactions

Rate Code	Fee Name	New Rate
M12A	MC EU Domestic Prepaid Meal Voucher Contactless	1.40%
M12B	MC EU Domestic Prepaid Meal Voucher Chip	1.40%
M12C	MC EU Domestic Prepaid Meal Voucher Enhanced Electronic	1.40%
M12D	MC EU Domestic Prepaid Meal Voucher Merchant UCAF	1.00%
M12E	MC EU Domestic Prepaid Meal Voucher Full UCAF	1.05%
M12G	MC EU Domestic Prepaid Meal Voucher Base	1.70%
M12H	MC EU Domestic Prepaid Meal Voucher Contactless Supermarket	0.83%¹
M12I	MC EU Domestic Prepaid Meal Voucher Chip Supermarket	0.83%¹
M12J	MC EU Domestic Prepaid Meal Voucher Enhanced Ele Supermarket	0.83%¹

_{1. Supermarket interchange fees apply to MCC 5411: Grocery Stores, Supermarkets.}

_{Published 15 August 2025 | P2025.0439}

On 1 September 2025, Mastercard will mandate card issuers in Asia Pacific to decline all chip to magnetic stripe fallback transactions, except for transactions acquired within the United States region.

_{Published 13 June 2025 | P2025.0440}

On 1 August 2025, Mastercard will revise their commercial business debit interchange rates as shown below. This change will apply to the product codes Debit Mastercard Commercial (MDT) and Business Premium Debit (BPD).

Table – Updated Mastercard Commercial Business Debit Interchange

Rate Code	Fee Name	Current Rate	Current Refund (75%)	New Rate	New Refund (75%)
M1FB	MC EU Domestic DMC Business Contactless	1.20%	-0.90%	1.25%	-0.009375%
M1FC	MC EU Domestic DMC Business Chip & Pin	1.20%	-0.90%	1.25%	-0.009375%
M1FE	MC EU Domestic DMC Business Enhanced Electronic	1.30%	-0.98%	1.35%	-1.012500%
M1FF	MC EU Domestic DMC Business Base	1.60%	-1.20%	1.65%	-1.237500%
M1CG	MC EU Domestic Business Premium Contactless	1.20%	-0.90%	1.45%	-1.087500%
M1CH	MC EU Domestic Business Premium Chip & Pin	1.20%	-0.90%	1.45%	-1.087500%
M1CJ	MC EU Domestic Business Premium Enhanced Electronic	1.30%	-0.98%	1.55%	-1.162500%
M1CK	MC EU Domestic Business Premium Base	1.60%	-1.20%	1.85%	-1.387500%

_{Published 13 June 2025 | P2024.2485}

On 1 August 2025, Mastercard will introduce the Mastercard Central Travel Solutions Air Card and new interchange programs for commercial premium credit and debit products, as shown below.

With these changes, merchants in all countries will be able to process transactions using cards issued in Spain on the new product code. Merchants domiciled in Spain may see an increase in their interchange fees on domestic commercial transactions.

Table 1 – New Mastercard Central Travel Solutions Air Card product

New product code	New rate code	New fee name	New rate	New refund rate (85%)
MLA	M1XU	MC Spain Central Travel Solution	1.50%	-1.2750%

Table 2 – New Mastercard Commercial Credit Premium product codes and corresponding interchange rates

New product code	New rate code	New fee name	New rate	New refund rate (85%)
MCF, MCO, MCP, MDM, MDN, MEB, MEF, MEO, MGF, MNF, MPB	M1XO	MC Spain Commercial Credit Premium T1	1.05%	-0.8925%
	M1XP	MC Spain Commercial Credit Premium T2	0.85%	-0.7225%
	M1XQ	MC Spain Commercial Credit Premium T3	0.75%	-0.6375%

Table 3 – New Mastercard Commercial Debit Premium / Debit Mastercard Commercial Premium product codes and corresponding interchange rates

New product code	New rate code	New fee name	New rate	New refund rate (85%)
BPD, TEB, TCO, TPB	M1XR	MC Spain Commercial Debit Premium T1	0.75%	-0.6375%
	M1XS	MC Spain Commercial Debit Premium T2	0.55%	-0.4675%
	M1XT	MC Spain Commercial Debit Premium T3	0.50%	-0.4250%

_{Published 13 June 2025 | P2025.0337}

On 14 July 2025, Mastercard will modify their intraregional and interregional cross-border fees in select European countries as shown below.

Table 1 – Mastercard and Maestro Revised Intraregional Cross-Border Fees for Consumer Credit and Debit Products

Country	Transaction	New rate
Austria, Belgium, Czech Republic, Denmark, Finland, France, Germany, Iceland, Italy, Luxembourg, Malta, Netherlands, Norway, Portugal, Spain, Sweden	card-not-present, card-present	0.12% (local currency, non-local currency)
Ireland	card-present	0.12% (local currency, non-local currency)
Switzerland	card-not-present, card-present	0.07% (local currency, non-local currency)
United Kingdom	card-present	0.07% (local currency, non-local currency)

Table 2 – Mastercard and Maestro Revised Intraregional Cross-Border Fees for Commercial Credit and Debit Products

Country	Transaction	New rate
Austria, Belgium, Czech Republic, Denmark, Finland, France, Germany, Iceland, Italy, Luxembourg, Malta, Netherlands, Norway, Portugal, Spain, Sweden	card-not-present, card-present	0.17% (local currency, non-local currency)
Ireland	card-present	0.17% (local currency, non-local currency)
Switzerland	card-not-present, card-present	0.07% (local currency, non-local currency)
United Kingdom	card-present	0.12% (local currency, non-local currency)

Table 3 – Mastercard and Maestro Revised Interregional Cross-Border Fees for Consumer and Commercial Credit and Debit Products

Country

Transaction

New rate

Austria, Belgium, Czech Republic, Denmark, Finland, France, Germany, Ireland, Iceland, Italy, Luxembourg, Malta, Netherlands, Norway, Portugal, Spain, Sweden, United Kingdom

card-not-present, card-present

0.75%

(local currency, non-local currency)

Switzerland

card-not-present, card-present

0.60%

(local currency)

1.00%

(non-local currency)

_{Published 13 June 2025 | P2024.2193, P2024.2194, P2024.2194a, P2024.2196}

On 14 July 2025, Mastercard will split the Interregional Reported Transaction fee in the UK into four tiers. The new tiers will be based on transaction values below.

Table – Updated Mastercard Interregional Reported Transaction Fee

Fee Name	Tier	Weekly Transaction Value	New Fee
Reported Transaction Fee	Micro	Less than or equal to 2.50 EUR	0.03 EUR
	Mid	2.51 EUR to 7.50 EUR	0.06 EUR
	Macro	7.51 EUR to 15.00 EUR	0.09 EUR
	Max	Greater than 15.00 EUR	0.10 EUR

_{Published 13 June 2025 | P2024.2194c}

Mastercard will be revising their MC UK Interregional CNP Fee to 0.0015 EUR this 14 July 2025 from 0.0005 EUR.

_{Published 13 June 2025 | P2024.2194b}

On 11 July 2025, Mastercard will add the following new rates to their commercial business debit interchange program.

Table – New Mastercard Commercial Business Debit Interchange Rates

New Rate Code	New Fee Name	New Rate	New Refund (75%)
M1W7	MC EU Domestic DMC Business Contactless Cap	0.60 EUR	0.45 EUR
M1W8	MC EU Domestic DMC Business Chip & Pin Cap	0.60 EUR	0.45 EUR

_{Note: Applies to transactions equal to or greater than 150 EUR.}

_{Published 13 June 2025 | P2024.1890}

Update: Mastercard began monitoring tokens generated after 12 October 2023 instead of the previously published 12 October 2024. Please contact your EMV 3DS service provider to ensure you are compliant with the SCA requirements for tokenized transactions and avoid non-compliance fees.

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 – Updated Mastercard Data Integrity Monitoring Program

Date

What’s happening?

1 January 2025

Mastercard will begin to monitor tokens generated after 12 October 2023¹ 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.

_{Updated 13 June 2025 | P2024.1349u1}Published 13 December 2024 | P2024.1349

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

_{Published 13 June 2025 | P2024.2032}

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

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 Enciphered PIN contain public keys with the updated expiration dates. Please do not use keys past their expiration date.

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

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

_{Updated 13 June 2025 | P2024.1842

Published 14 February 2025 | P2024.1842}

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

1. Closed account. When a card issuer, or cardholder permanently closes a credential, or underlying account, and no further authorization requests will be approved.

2. Account not yet activated. When an authorization request is received but cannot be approved because the account has not been activated (e.g. a newly issued account).

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

_{Published 15 May 2025 | P2024.2031}

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}

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}

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}

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}

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

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 15 May 2025 | P2023.2426u2

Updated 14 March 2025 | P2023.2426a

Published 15 March 2024 | P2023.2426}

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}

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: 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}

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}

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: 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}

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 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}

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}

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}

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}

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}

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

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.

_{Updated 13 June 2025 | P2025.0302

Published 15 July 2024 | P2024.0493}

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, 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 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}

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}

Amercian Express®

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

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

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

_{Published 15 July 2025 | P2023.1893}

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

The 1984-bit RSA 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

_{Updated 13 June 2025 | P2024.2097

Published 14 February 2025 | P2024.2097}

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}

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}

Other Networks

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

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

_{Updated 13 June 2025 | P2023.2284

Published 14 February 2025 | P2023.2284}

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

The 1984-bit Root Certificate Authority (CA) public key expiration date has been extended to December 31, 2035 by UnionPay International. The 1408-bit public key expiration date remains the same.

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

_{Updated 13 June 2025 | P2024.0007

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}

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®

January 2026 – Bulgaria to adopt the euro currency

October 2025 – MCC update to the Visa Commercial Choice Travel program

October 2025 – Updates to response codes for credit voucher and merchandise return authorization transactions

Address Verification Service best practices

October 2025 – Updated Visa Secure Credential Framework fee

October 2025 – Visa Commercial Choice Travel fee update

October 2025 – Click to Pay

October 2025 – Credit voucher and merchandise return authorization in the U.K. and Ireland

September 2025 – Extended Authorization Fee

September 2025 – Extension of VAMP advisory period

August 2025 – Revised domestic interchange rates for debit transactions in France

July 2025 – Updates to domestic consumer debit interchange rates in Switzerland

July 2025 – Updates on Visa Smart Debit/Credit Certificate Authority annual key assessment

Standing instruction MITs for device tokens

May 2025 – Updates to authorization retry logic under the System Integrity Fee Program

April 2025 – Updated Visa Europe service fees in select countries

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

April 2025 – New cyber threat protection fee

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

April 2025 – Innovation and Market Development fee

April 2025 – AFD authorization changes

April 2025 – Introducing new authorization response codes

April 2025 – Visa Protect Authentication Intelligence score

3DS requirements by Banque de France

Token MIT update

Visa Infinite Business domestic interchange program updates in multiple countries

Introducing Visa Flexible Credential service

March 2025 – Updates to domestic interchange rates in France

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

Transparent Consumer Choice rules and requirements

January 2025 – New commercial interchange fees in Spain

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

January 2025 – UCAT PIN updates

VMAAS is now Visa Flexible Credential

October 2024 – Processing Integrity Program update

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

October 2024 – Jurisdictional use of account range

October 2024 – Global Processing Electronic Data Quality Program

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

September 2024 – EMV 3DS 2.1.0 support discontinued

Mastercard®

January 2026 – Mastercard MAC fee revised criteria

January 2026 – Bulgaria to adopt the euro currency

October 2025 – New interchange rates for the Wholesale Travel program

October 2025 – Revised standards for authorization resubmissions and use of merchant advice codes

April 2026 – Revised standards for EMV tokenization and Click to Pay adoption across e-commerce

October 2025 – Ireland Customer Performance Development Fund update

October 2025 – New Non-Local Currency fee and discontinuation of the Multi-Currency Settlement fee

October 2025 – Interregional interchange modifications

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

September 2025 – New Meal Voucher interchange fees in Germany

September 2025 – Updates to magnetic stripe transactions

August 2025 – Updated commercial business debit interchange rates in the Netherlands

August 2025 – New product codes and commercial premium interchange programs in Spain

July 2025 – Revised Mastercard and Maestro intraregional and interregional cross-border pricing

July 2025 – Updated Interregional Reported Transaction Fee in the United Kingdom

July 2025 – Revised interregional card-not-present fee in the United Kingdom

July 2025 – New commercial business debit interchange rates in Belgium

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

July 2025 – Introducing InControl clearing controls

July 2025 – Updates to the Mastercard Payment System public keys

June 2025 – New decline response code values

May 2025 – Mastercard connectivity fee update

May 2025 – Merchant payment gateway ID requirement

April 2025 – CPDF and Wholesale Travel Program update

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

April 2025 – Introducing the Mastercard Flex Program

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

April 2025 – Update on MDES support of the virtual reality headset device type or form factor