Payment Brand Changes

Europe Edition

We are providing important information from the Payment Brands regarding changes to operating rules, fees, compliance requirements and other industry updates that may impact your processing account. You’ll see recent and upcoming changes.

Sign Up For Payment Brand Alerts
We’ll continue to send you regular, ongoing reminders of upcoming changes. You may also subscribe below to be alerted any time new or updated information is published here.

Potential Financial Impacts

Potential Financial Impact

Process Changes

Rate Codes

April 2024 – Processing Integrity Program Update

Update: Visa moved the effective date of their Processing Integrity Program to 25 April 2024 from 1 July 2023, with the first billing in June 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 13 October 2023}
_P2023.0067	_{Published 14 April 2023}

January 2024 – Service Fee Updates for Italy

On 1 January 2024, Visa will increase their card-present and card-not-present service fees in Italy.

Table – Visa Service Fee Updates

Card Type	Card-Present		Card-Not-Present
Card Type	Current Rate	New Rate	Current Rate	New Rate
Debit	0.025%	0.081%	0.028%	0.084%
Credit	0.030%	0.086%	0.033%	0.089%

_P2022.1400

_{Published 15 September 2023}

October 2023 – New Visa Account Screen

On October 13, 2023, Visa will introduce an account listing service for issuers called Visa Account Screen, which will block authorizations and deposits for a cardholder’s lost, stolen, or closed account. With this new feature, Visa will assess a 5 USD deposit fee for each returned or rejected transaction when either of the following scenarios occur.

An unauthorized force-post transaction was received that was above the floor limit or the floor limit could not be determined, and the account was listed on the Account Screen Clearing File (ASCF) or Card Recovery Bulletin (CRB)
The account number was listed in the ASCF or CRB on the purchase date and the amount was below the floor limit without authorization

To avoid this fee, please make sure you:

Request an authorization or deferred authorization when required,
Submit the authorization code, authorization source code and transaction identifier assigned during a deposit’s authorization,
Do not submit deposits for transactions that have been declined, and
Use zero-amount account verification messages to check the status of the account.

_P2023.0943

_{Published 14 July 2023}

October 2023 – Changes to Interregional Interchange Fee Programs in Switzerland

On 13 October 2023, Visa will update their interregional interchange program in Switzerland with new fee programs, names and rates listed in the below tables. The following fees for consumer transactions will be discontinued:

Electronic	Electronic Commer Merchant
Acquirer Chip	Secure Electronic Commerce
Issuer Chip

Table 1 – Visa Interregional Base Fee Programs¹

Rate Code	Current Fee Name	New Fee Name	Current Rate	New Rate
V948	Visa Interregional Super Premium Rate	Visa Interregional Super Premium Card-Present	1.97%	1.98%
V947	Visa Interregional Premium Card	Visa Interregional Premium Card-Present	1.80%	1.85%
V986	-	Visa Interregional Non-Premium Card-Present	-	1.10%
V905	Visa Interregional Business & Visa Signature Business Card	Visa Interregional Business Card-Present	2.00%	2.00%
V906	Visa Interregional Corporate Card	Visa Interregional Corporate Card-Present	2.00%	2.00%
V907	Visa Interregional Purchasing & Distribution Card	Visa Interregional Purchasing Card-Present	2.00%	2.00%

Table 2 – Visa New Interregional Alternative Fee Programs² for Visa Consumer and Visa Commercial, Including Business, Product

Rate Code	Fee Program	Current Rate	New Rate
V982	Visa Interregional Super Premium Card-Not-Present	1.97%	1.98%
V984	Visa Interregional Premium Card-Not-Present	1.80%	1.85%
V987	Visa Interregional Non-Premium Card-Not-Present	-	1.60%
V989	Visa Interregional Business Card-Not-Present	2.00%	2.00%
V991	Visa Interregional Corporate Card-Not-Present	2.00%	2.00%
V993	Visa Interregional Purchasing Card-Not-Present	2.00%	2.00%

Table 3 – Visa New Interregional Downgrade Fee Programs for Visa Consumer and Visa Commercial, Including Business, Transaction

Rate Code	Fee Program	Rate
V983	Visa Interregional Super Premium Downgrade	2.03%
V985	Visa Interregional Premium Downgrade	1.90%
V988	Visa Interregional Non-Premium Downgrade	1.65%
V990	Visa Interregional Business Downgrade	2.05%
V992	Visa Interregional Corporate Downgrade	2.05%
V994	Visa Interregional Purchasing Downgrade	2.05%

Table 4 – Visa New Credit Voucher or Merchandise Return Interregional Fee Programs

Rate Code	Fee Program	New Rate
V995	Visa Interregional Credit Voucher or Return Consumer	1.00%
V996	Visa Interregional Credit Voucher or Return Commercial	1.80%

Table 5 – Visa Updated Interregional Standard Fee Program³

Rate Code	Current Fee Name	New Fee Name
VEAY	Visa Europe Interregional STANDARD Debit	Visa Europe Interregional Uncategorized Debit
VEDL	Visa Europe Interregional STANDARD	Visa Europe Interregional Uncategorized

_{1. Card present is now called Base fee.}

_{2. Card not present is now called Alternative fee.}

_{3. Visa and non-Visa interregional transactions that do not qualify for any other free program.}

_P2023.0555

_{Published 14 July 2023}

October 2023 – New Secure Credential Framework Fee for Non-Tokenized Transactions

Starting 1 October 2023, Visa will begin assessing a new Secure Credential CNP Behavioral Fee with a rate of 0.025% per transaction. This fee will apply to all domestic or intraregional CNP transactions that are processed with a primary account number.

This fee will not apply to authorization approvals that are processed with the following:

Visa EMV Payment Tokens
Visa Secure
Merchant location in Turkey or France¹

_{1. France will be in scope of the Secure Credential Behavioral fee beginning October 2024}

_P2022.1291a

_{Published 14 June 2023}

August 2023 – New Digital Account Updater Fee

Update: Visa changed the effective date for the VDCU Fee to 1 August 2023 from 1 July 2023.

Starting 1 July 2023, Visa will charge a Visa Digital Credential Updater Fee (VDCU Cred Update Fee) of 0.12 USD for all VDCU activities. This fee will be billed when a token is used in a transaction for the first time following an update to that token’s PAN or expiration date.

The VDCU provides access to token lifecycle management events including credential on file updates and token status change notifications, such as deleted, suspended, and resumed token updates. These lifecycle updates can help you ensure cardholders’ payment credentials are up to date, which is essential for maintaining payment continuity and improving authorization rates.

This new fee does not apply to token status notifications, which will continue to be waived until further notice.

_P2023.1486	_{Updated 15 September 2023}
_P2022.0865a	_{Published 15 March 2023}

July 2023 – Innovation and Market Development Fee in Italy

On 1 July 2023, Visa’s Innovation and Market Development Fee of 0.02% per transaction in Italy will be assessed on reported merchant volumes.

Visa will reinvest the fees in initiatives that benefit the market including:

Increasing card usage
Increasing awareness at new and existing merchants and in new and existing channels
Promoting educational initiatives on the benefits brought by digital payments
Driving innovation and new product initiatives
Accelerating acceptance infrastructure development
Increasing digitalization of payments and commerce
Driving volume benefits to all clients

_P2023.0034

_{Published 15 May 2023}

July 2023 – New Visa Account Updater Pricing

On 1 July 2023, Visa is updating the Visa Account Updater (VAU) and Real Time VAU fee (VI EU Acct Updater Scheme Fee) from 0.10 USD to 0.12 USD. This fee will apply on a per match basis.

This change excludes fees for token status notifications, which will continue to be waived until further notice.

_P2023.0078a

_{Published 14 June 2023}

Updated Domestic Consumer Debit Interchange in Switzerland

On 1 July, 2023, Visa will update their domestic interchange rates for consumer immediate debit cards as shown below.

Table 1 – Visa Updated Card-Present Consumer Interchange Rate for Debit Transactions Including V PAY

Rate Code	Interchange Name	Previous Rate	Current Rate
VEO5	Switzerland Visa Consumer Debit Secure Card Present	0.29%	0.20%
VEO6	Switzerland Visa Consumer Debit Non-Secure Card Present	0.29% + 0.05 CHF	0.20%
VEOU	Switzerland/Liechtenstein Visa Debit Electronic Store	0.13 CHF	0.12%
VPAZ	Switzerland/Liechtenstein Visa V PAY Electronic Store	0.13 CHF	0.12%
VEO7	Switzerland Visa V PAY Secure Card Present	0.29%	0.12%
VEO8	Switzerland Visa V PAY Non-Secure Card Present	0.29% + 0.05 CHF	0.12%

Table 2 – Visa Updated Card-Not-Present¹ Consumer Interchange Rate for Debit Transactions Including V PAY

Rate Code	Interchange Name	Previous Rate	Current Rate
VEBT	Switzerland Visa Consumer Debit Non-Secure Ecommerce	0.29% + 0.05 CHF	0.31%
VYBB	Switzerland Visa Consumer Debit Secure Ecommerce	0.29%	0.31%
VEO1	Switzerland/Liechtenstein Visa Debit < CHF 20	0.05 CHF	0.31%
VEO2	Switzerland/Liechtenstein Visa Debit CHF 20 - 50	0.18 CHF	0.31%
VEO3	Switzerland/Liechtenstein Visa Debit < CHF 50 - CHF 100	0.26 CHF	0.31%
VEO4	Switzerland/Liechtenstein Visa Debit > CHF 100	0.53 CHF	0.31%
VPA1	Switzerland/Liechtenstein Visa V PAY < CHF 20	0.05 CHF	0.31%
VPA2	Switzerland/Liechtenstein Visa V PAY CHF 20 - 50	0.20 CHF	0.31%
VPA3	Switzerland/Liechtenstein Visa V PAY < CHF 50 - CHF 100	0.28 CHF	0.31%
VPA4	Switzerland/Liechtenstein Visa V PAY > CHF 100	0.55 CHF	0.31%
VPAW	Switzerland Visa V PAY Non-Secure Ecommerce	0.29% + 0.05 CHF	0.31%
VHHW	Switzerland Visa V PAY Secure Ecommerce	0.29%	0.31%

_{1. Includes face-to-face token-based transactions.}

_P2023.1021

_{Published 16 June 2023}

Blocked Argentine Peso Transactions

Visa is declining transactions (as of 10 Feb. 2023) and deposits (as of 25 Feb. 2023) that use the Argentine Peso because the Argentinian government implemented a change to the treatment of currency conversion rates.

_P2023.0143

_{Published 14 April 2023}

April 2023 – New Fee for Estimated and Incremental Authorizations

Update: Visa moved the effective date of the Estimated Authorization and Incremental Authorization fees from 17 April to 15 April 2023.

Starting 17 April 2023, Visa will charge a .02% fee for every Estimated Authorization and Incremental Authorization request (see below)

Estimated Authorization Request: allows you to obtain an approval before a cardholder has identified what goods or services will be purchased
Incremental Authorization Request: allows you to increase the total authorized funds if the initial estimated amount is insufficient

_P2023.0366	_{Updated 14 April 2023}
_P2022.1170	_{Published 13 January 2023}

April 2023 – Visa Flexible Credential Launches in the United Kingdom

On 15 April 2023, Visa will launch their Flexible Credential credit card in the United Kingdom. This card supports buy now, pay later (BNPL) transactions in card-present and card-not-present environments. The existing consumer credit domestic and intraregional interchange rates will apply when this card is processed.

Table 1 – Visa Flexible Credential Consumer Interchange Rates for Domestic Credit Transactions

Rate Code	Fee Name	Existing Rate	Existing Refund
V1H0	VI GB Domestic CR Contactless	0.30%	-
V1H1	VI GB Domestic CR EMV On Magst	0.30%	-
V1H2	VI GB Domestic CR EMV On Chip	0.30%	-
V1H3	VI GB Domestic CR EMV Off Chip	0.30%	-
V1H4	VI GB Domestic CR Secure e-Commerce	0.30%	-
V1H5	VI GB Domestic CR CVV2-MOTO	0.30%	-
V1H6	VI GB Domestic CR MOTO	0.30%	-
V1H7	VI GB Domestic CR Recurring	0.30%	-
V1H8	VI GB Domestic CR Refund Card Present	-	-0.30%
V1H9	VI GB Domestic CR Refund MOTO	-	-0.30%
V1HA	VI GB Domestic CR Refund e-Commerce	-	-0.30%

Table 2 – Visa Flexible Credential Consumer Interchange Rates for Intraregional Credit Transactions

Rate Code	Fee Name	Existing Rate	Existing Refund
VIEE	VI Intra-NonEEA Consumer Card Present Credit¹	0.30%	-
V1EG	VI Intra-NonEEA Consumer Card Not Present Credit¹	1.50%	-
V1EZ	VI Intra-NonEEA Consumer Premium Credit²	1.45%	-

_{1. This includes merchants in the French European Union Outermost Region territories of French Guiana, Guadeloupe, Martinique, Mayotte, Réunion and Saint-Martin.}

_{2. This includes Andorra, Israel, Monaco, San Marino, Switzerland, Turkey and Vatican City State.}

^{Published 15 February 2023}

April 2023 – Cross-Border Fees in Europe and French Territories

On 1 April 2023, Visa will update their cross-border fee pricing structure, as shown in the table. These fees will not apply to euro-based purchase transactions that occur between French Territories and countries within the EEA

Table – Visa’s Updated Cross-Border Fees

Merchant Country	Card-Issuing Country	Fee Name	Rate
And vice versa
UK, Gibraltar	French Guiana, Guadeloupe, Martinique, Mayotte, Réunion, Saint Barthélémy and Saint Martin	Visa EU Cross Border Inter-Regional Fee	0.10%
		Visa ecommerce Domestic/ Intra-Regional Fee	0.15%
		VI EU MOTO Dom/Intra Fee	0.15%
Switzerland, Andorra, Monaco, San Marino, and Vatican City State	Europe Region (including French Territories)	Visa ecommerce Domestic/ Intra-Regional Fee	0.20%
		VI EU MOTO Dom/Intra Fee	0.20%

^{Published 15 February 2023}

April 2023 – Service Fee Updates for Austria

On 1 April 2023, Visa will increase their card-present and card-not-present service fees in Austria to 0.068% for credit transactions and 0.052% for debit transactions. Billing will begin in July 2023, and your first bill will include transactions that were processed between April 2023 and June 2023.

^{Published 15 February 2023}

April 2023 – Visa Flexible Credential Prepaid and Debit Consumer Products

Update: Starting 15 April 2023, Visa will expand their Visa Flexible Credential products to support debit transactions. The rates will remain the same.

On 20 January 2023, Visa introduced the new Visa Flexible Credential prepaid card, which supports buy now, pay later purchases in virtual and physical environments. These cards were issued in the Asia Pacific, Central Europe, Middle East and Africa regions. If you process one of these cards, the existing interregional interchange rates will apply as shown in the below table.

Table – Visa Interregional Rates for Visa Flexible Credential Purchases

Rate Code	Fee Name	Current Rate (No Change)
V5FH	Visa EU InterRegional Face-to-FaceElectronic-Debit & Prepaid	0.20%
V5FJ	Visa EU InterRegional Card-Not-Present/Other-Debit & Prepaid	1.15%
V5FL	Visa EU InterRegional CredVouch/Merch Return-Debit & Prepaid	0.00%

_{Updated 15 March 2023

Published 12 December 2022}

October 2022 – B2B Virtual Payments Program Updates

Update: MCC 7996 – amusement parks, circuses, carnivals, and fortune tellers – will be eligible for B2B virtual payments transactions starting 20 January 2023.

On 14 October 2022, Visa will expand the list of qualifying merchant category codes (MCC) to fully support the B2B travel segment as shown in Table 1. It also applied new program interchange rates as shown in Table 2.

Table 1 – New Eligible MCCs Qualifying for Visa B2B Virtual Payments Transactions

MCC	Merchant Category Description
4111	Local and suburban commuter passenger transportation, including ferries
4121	Taxicabs and limousines
4789	Transportation services (not elsewhere classified)
5812	Eating places and restaurants
5813	Drinking places (alcoholic beverages) – bars, taverns, nightclubs, cocktail lounges, and discotheques
5814	Fast food restaurants
5992	Florists
7832	Motion picture theaters
7922	Ticket agencies and theatrical producers (except motion pictures)
7992	Public golf courses
7996	Amusement parks, circuses, carnivals, and fortune tellers (effective 20 January 2023)
9399	Government services (not elsewhere classified)

Table 2 – New Visa B2B Virtual Payments Interchange Rates

Fee Name	Rate
Visa Global B2B Virtual Payments-Program 8	0.90%
Visa Global B2B Virtual Payments-Program 9	1.10%
Visa Global B2B Virtual Payments-Program 10	1.30%
Visa Global B2B Virtual Payments-Program 11	1.50%
Visa Global B2B Virtual Payments-Program 12	1.70%
Visa Global B2B Virtual Payments-Program 13	1.90%

^{Updated 13 January 2023

Published 30 September 2022}

May 2023 – Interchange Rate Code Updates in Italy

On 22 May 2023, Visa interchange rate codes in Italy will change (see table below), but rates will remain the same.

Table – Visa Consumer Interchange Rates for Debit and Prepaid Transactions

Rate Code	Fee Name	Rate
V1AD	VI EU Domestic DP Secure-EMV Contactless¹	0.20%
V1AE	VI EU Domestic DP Secure-EMV Online Magstripe	0.20%
V1AF	VI EU Domestic DP Secure-EMV Online Chip	0.20%
V1AG	VI EU Domestic DP Secure-EMV Offline Chip	0.20%
V1AH	VI EU Domestic DP Secure Electronic Commerce	0.20%
V1AI	VI EU Domestic DP Non-Secure Standard	0.20%
V1AJ	VI EU Domestic VPAY Standard	0.20%
V138	VI EU Domestic DP Low Value²	0.18%

_{1. Current Card Verification Method (CVM) limit is 50.00 EUR.}

_{2. Transactions less than or equal to 4.99 EUR.}

_PBI23.0003

_{Published 15 May 2023}

May 2023 – Interchange Rate Code Updates in the Netherlands

On 22 May 2023, Visa interchange rate codes in the Netherlands will change (see table below), but rates will remain the same.

Table – Visa Consumer Interchange Rates for Debit and Prepaid Transactions

Rate Code	Fee Name	Rate
V1AD	VI EU Domestic DP Secure-EMV Contactless¹	0.02 EUR
V1AE	VI EU Domestic DP Secure-EMV Online Magstripe	0.02 EUR
V1AF	VI EU Domestic DP Secure-EMV Online Chip	0.02 EUR
V1AG	VI EU Domestic DP Secure-EMV Offline Chip	0.02 EUR
V1AH	VI EU Domestic DP Secure Electronic Commerce	0.02 EUR
V1AI	VI EU Domestic DP Non-Secure Standard	0.02 EUR
V1AJ	VI EU Domestic VPAY Standard	0.02 EUR

_{1. Current Card Verification Method (CVM) limit is 50.00 EUR.}

_PBI23.0004

_{Published 15 May 2023}

April 2023 – Italy Commercial Card Domestic Interchange Rate Codes and Rates

Beginning 15 April 2023, certain Visa interchange rate codes and rates in Italy will be updated. All changes are shown in the tables below.

Table 1 – Visa Business Interchange Rates

Rate Code	Fee Name	Current Rate	New Rate
V1AV	VI EU Domestic CR Business Standard	1.60%	1.65%
V1AW	VI EU Domestic CR Business EMV Contactless¹	1.35%	1.35%
V1AX	VI EU Domestic CR Business EMV Online Magstripe	1.35%	1.35%
V1AY	VI EU Domestic CR Business EMV Online Chip	1.35%	1.35%
V1AZ	VI EU Domestic CR Business EMV Offline Chip	1.35%	1.35%
V1B0	VI EU Domestic CR Business Electronic Commerce	1.45%	1.65%
V1B3	VI EU Domestic CR Business Small Market	0.30%	0.30%
V1BA	VI EU Domestic DP Business EMV Contactless¹	1.35%	1.35%
V1BB	VI EU Domestic DP Business EMV Online Magstripe	1.35%	1.35%
V1BC	VI EU Domestic DP Business EMV Online Chip	1.35%	1.35%
V1BD	VI EU Domestic DP Business EMV Offline Chip	1.35%	1.35%
V1BE	VI EU Domestic DP Business EMV Electronic Commerce	1.45%	1.65%
V1BF	VI EU Domestic DP Business Standard	1.60%	1.65%
V1CA	VI EU Domestic CR Infinite Platinum EMV Contactless¹	1.60%	1.60%
V1CB	VI EU Domestic CR Infinite Platinum EMV Online Magstripe	1.60%	1.60%
V1CC	VI EU Domestic CR Infinite Platinum EMV Online Chip	1.60%	1.60%
V1CD	VI EU Domestic CR Infinite Platinum EMV Offline Chip	1.60%	1.60%
V1CE	VI EU Domestic CR Infinite Platinum Electronic Commerce	1.70%	1.90%
V1CF	VI EU Domestic CR Infinite Platinum Standard	1.85%	1.90%
V1CG	VI EU Domestic D Infinite Platinum EMV Contactless¹	1.60%	1.60%
V1CH	VI EU Domestic D Infinite Platinum EMV Online Magstripe	1.60%	1.60%
V1CI	VI EU Domestic D Infinite Platinum EMV Online Chip	1.60%	1.60%
V1CJ	VI EU Domestic D Infinite Platinum EMV Offline Chip	1.60%	1.60%
V1CK	VI EU Domestic D Infinite Platinum Electronic Commerce	1.70%	1.90%
V1CL	VI EU Domestic D Infinite Platinum Standard	1.85%	1.90%
V159⁴	VI IT Small Market Expenses Low Value³	0.27%	0.27%

Table 2 – Visa Corporate Travel and Entertainment Interchange Rates

Rate Code	Fee Name	Current Rate	New Rate
V1CM	VI EU Domestic CR Corporate Standard	1.85%	1.90%
V1CN	VI EU Domestic CR Corporate EMV Contactless¹	1.55%	1.55%
V1CP	VI EU Domestic CR Corporate EMV Online Magstripe	1.55%	1.55%
V1CQ	VI EU Domestic CR Corporate EMV Online Chip	1.55%	1.55%
V1CR	VI EU Domestic CR Corporate EMV Offline Chip	1.55%	1.55%
V1CS	VI EU Domestic CR Corporate Electronic Commerce	1.65%	1.90%
V1CU	VI EU CR Corporate Large Market Enterprise²	0.30%	0.30%
V1GB⁴	VI IT Large Market Expenses Low Value³	0.27%	0.27%

Table 3 – Visa Purchasing Card Interchange Rates

Rate Code	Fee Name	Current Rate	New Rate
V1E6	VI EU Domestic CR Purchasing Standard	1.85%	1.90%
V1D0	VI EU Domestic CR Purchasing VGIS EMV Contactless	1.55% - 0.50 EUR	1.55% - 0.50 EUR
V1D1	VI EU Domestic CR Purchasing VGIS EMV Online Magstripe	1.55% - 0.50 EUR	1.55% - 0.50 EUR
V1D2	VI EU Domestic CR Purchasing VGIS EMV Online Chip	1.55% - 0.50 EUR	1.55% - 0.50 EUR
V1D3	VI EU Domestic CR Purchasing VGIS EMV Offline Chip	1.55% - 0.50 EUR	1.55% - 0.50 EUR
V1D4	VI EU Domestic CR Purchasing VGIS Standard	1.85% - 0.50 EUR	1.90% - 0.50 EUR
V1DA	VI EU Domestic CR Purchasing LID EMV Contactless	1.55% - 0.50 EUR	1.55% - 0.50 EUR
V1DB	VI EU Domestic CR Purchasing LID EMV Online Magstripe	1.55% - 0.50 EUR	1.55% - 0.50 EUR
V1DC	VI EU Domestic CR Purchasing LID EMV Online Chip	1.55% - 0.50 EUR	1.55% - 0.50 EUR
V1DD	VI EU Domestic CR Purchasing LID EMV Offline Chip	1.55% - 0.50 EUR	1.55% - 0.50 EUR
V1DE	VI EU Domestic CR Purchasing LID Standard	1.85% - 0.50 EUR	1.90% - 0.50 EUR
V1E0	VI EU Domestic CR Purchasing EMV Contactless¹	1.55%	1.55%
V1E1	VI EU Domestic CR Purchasing EMV Online Magstripe	1.55%	1.55%
V1E2	VI EU Domestic CR Purchasing EMV Online Chip	1.55%	1.55%
V1E3	VI EU Domestic CR Purchasing EMV Offline Chip	1.55%	1.55%
V1D5	VI EU Domestic CR Purchasing Electronic Commerce VGIS	1.65% - 0.50 EUR	1.90% - 0.50 EUR
V1DF	VI EU Domestic CR Purchasing Electronic Commerce LID	1.65% - 0.50 EUR	1.90% - 0.50 EUR
V1E4	VI EU Domestic CR Purchasing Electronic Commerce	1.65%	1.90%

_{1. Current Card Verification Method (CVM) Limit is 50.00 EUR.}

_{2. Transactions greater than or equal to 5.00 EUR.}

_{3. Transactions less than or equal to 4.99 EUR.}

_{4. New rate code.}

^{Published 13 January 2023}

April 2023 – Netherlands Commercial Card Domestic Interchange Rate Codes and Rates

Beginning 15 April 2023, certain Visa interchange rate codes and rates in the Netherlands will be updated. All changes are shown in the tables below.

Table 1 – Visa Business Interchange Rates

Rate Code	Fee Name	Current Rate	New Rate
V1AV	VI EU Domestic CR Business Standard	1.60%	1.65%
V1AW	VI EU Domestic CR Business EMV Contactless¹	1.30%	1.30%
V1AX	VI EU Domestic CR Business EMV Online Magstripe	1.30%	1.30%
V1AY	VI EU Domestic CR Business EMV Online Chip	1.30%	1.30%
V1AZ	VI EU Domestic CR Business EMV Offline Chip	1.30%	1.30%
V1B0	VI EU Domestic CR Business Electronic Commerce	1.45%	1.65%
V1B3	VI EU Domestic CR Business Small Market	0.30%	0.30%
V1B4	VI EU Domestic D Business EMV Contactless¹	1.30%	1.30%
V1B5	VI EU Domestic D Business EMV Online Magstripe	1.30%	1.30%
V1B6	VI EU Domestic D Business EMV Online Chip	1.30%	1.30%
V1B7	VI EU Domestic D Business EMV Offline Chip	1.30%	1.30%
V1B8	VI EU Domestic D Business Electronic Commerce	1.55%	1.55%
V1B9	VI EU Domestic D Business Standard	1.65%	1.65%
V1BG	VI EU Domestic P Business EMV Contactless¹	1.30%	1.30%
V1BH	VI EU Domestic P Business EMV Online Magstripe	1.30%	1.30%
V1BI	VI EU Domestic P Business EMV Online Chip	1.30%	1.30%
V1BJ	VI EU Domestic P Business EMV Offline Chip	1.30%	1.30%
V1DH	VI EU Domestic P Business EMV Min²	0.35 EUR	0.35 EUR
V1BK	VI EU Domestic P Business Electronic Commerce	1.55%	1.55%
V1BL	VI EU Domestic P Business Electronic Commerce Minimum³	0.35 EUR	0.35 EUR
V1BM	VI EU Domestic P Business Standard	1.65%	1.65%
V1BN	VI EU Domestic P Business Standard Minimum⁴	0.35 EUR	0.35 EUR
V1CA	VI EU Domestic CR Infinite Platinum EMV Contactless¹	1.30%	1.30%
V1CB	VI EU Domestic CR Infinite Platinum EMV Online Magstripe	1.30%	1.30%
V1CC	VI EU Domestic CR Infinite Platinum EMV Online Chip	1.30%	1.30%
V1CD	VI EU Domestic CR Infinite Platinum EMV Offline Chip	1.30%	1.30%
V1CE	VI EU Domestic CR Infinite Platinum Electronic Commerce	1.70%	1.90%
V1CF	VI EU Domestic CR Infinite Platinum Standard	1.85%	1.90%
V1CG	VI EU Domestic D Infinite Platinum EMV Contactless¹	1.30%	1.30%
V1CH	VI EU Domestic D Infinite Platinum EMV Online Magstripe	1.30%	1.30%
V1CI	VI EU Domestic D Infinite Platinum EMV Online Chip	1.30%	1.30%
V1CJ	VI EU Domestic D Infinite Platinum EMV Offline Chip	1.30%	1.30%
V1CK	VI EU Domestic D Infinite Platinum Electronic Commerce	1.70%	1.90%
V1CL	VI EU Domestic D Infinite Platinum Standard	1.85%	1.90%

Table 2 – Visa Corporate Travel and Entertainment Interchange Rates

Rate Code	Fee Name	Current Rate	New Rate
V1CM	VI EU Domestic CR Corporate Standard	1.85%	1.90%
V1CN	VI EU Domestic CR Corporate EMV Contactless¹	1.55%	1.55%
V1CP	VI EU Domestic CR Corporate EMV Online Magstripe	1.55%	1.55%
V1CQ	VI EU Domestic CR Corporate EMV Online Chip	1.55%	1.55%
V1CR	VI EU Domestic CR Corporate EMV Offline Chip	1.55%	1.55%
V1CS	VI EU Domestic CR Corporate Electronic Commerce	1.65%	1.90%
V1CU	VI EU CR Corporate Large Market Enterprise⁵	0.30%	0.30%

Table 3 – Visa Purchasing Card Interchange Rates

Rate Code	Fee Name	Current Rate	New Rate
V1E6	VI EU Domestic CR Purchasing Standard	1.85%	1.90%
V1D0	VI EU Domestic CR Purchasing VGIS EMV Contactless	1.55% - 0.50 EUR	1.55% - 0.50 EUR
V1D1	VI EU Domestic CR Purchasing VGIS EMV Online Magstripe	1.55% - 0.50 EUR	1.55% - 0.50 EUR
V1D2	VI EU Domestic CR Purchasing VGIS EMV Online Chip	1.55% - 0.50 EUR	1.55% - 0.50 EUR
V1D3	VI EU Domestic CR Purchasing VGIS EMV Offline Chip	1.55% - 0.50 EUR	1.55% - 0.50 EUR
V1D4	VI EU Domestic CR Purchasing VGIS Standard	1.85% - 0.50 EUR	1.90% - 0.50 EUR
V1DA	VI EU Domestic CR Purchasing LID EMV Contactless	1.55% - 0.50 EUR	1.55% - 0.50 EUR
V1DB	VI EU Domestic CR Purchasing LID EMV Online Magstripe	1.55% - 0.50 EUR	1.55% - 0.50 EUR
V1DC	VI EU Domestic CR Purchasing LID EMV Online Chip	1.55% - 0.50 EUR	1.55% - 0.50 EUR
V1DD	VI EU Domestic CR Purchasing LID EMV Offline Chip	1.55% - 0.50 EUR	1.55% - 0.50 EUR
V1DE	VI EU Domestic CR Purchasing LID Standard	1.90% - 0.50 EUR	1.90% - 0.50 EUR
V1E0	VI EU Domestic CR Purchasing EMV Contactless¹	1.55%	1.55%
V1E1	VI EU Domestic CR Purchasing EMV Online Magstripe	1.55%	1.55%
V1E2	VI EU Domestic CR Purchasing EMV Online Chip	1.55%	1.55%
V1E3	VI EU Domestic CR Purchasing EMV Offline Chip	1.55%	1.55%
V1E7	VI EU Domestic Large Ticket 2⁶	0.75% + 98.00 EUR	0.75% + 98.00 EUR
V1E8	VI EU Domestic Large Ticket 1⁷	1.00% + 60.00 EUR	1.00% + 60.00 EUR
V1D5	VI EU Domestic CR Purchasing Electronic Commerce VGIS	1.65% - 0.50 EUR	1.90% - 0.50 EUR
V1DF	VI EU Domestic CR Purchasing Electronic Commerce LID	1.80% - 0.50 EUR	1.80% - 0.50 EUR
V1E4	VI EU Domestic CR Purchasing Electronic Commerce	1.65%	1.90%

_{1. Current Card Verification Method (CVM) Limit is 50 EUR.}

_{2. Break-even transaction amount less than or equal to 26.92 EUR.}

_{3. Break-even transaction amount less than or equal to 22.58 EUR.}

_{4. Break-even transaction amount less than or equal to 21.21 EUR.}

_{5. Transactions greater than or equal to 5.00 EUR.}

_{6. Transactions greater than 15,000 EUR.}

_{7. Transactions between 7,500 EUR and 15,000 EUR.}

^{Published 13 January 2023}

January 2023 – Austria Consumer Card Domestic Interchange Rate Codes

Beginning 23 January 2023, Visa interchange rate codes in Austria will be updated as noted in the tables below. Rates will remain the same.

Table 1 – Visa Consumer Interchange Rate for Credit and Deferred Debit Transactions

Rate Code	Fee Name	Rate
V1A0	VI EU Domestic CR Secure-EMV Contactless¹	0.30%
V1A1	VI EU Domestic CR Secure-EMV Online Magstripe	0.30%
V1A2	VI EU Domestic CR Secure-EMV Online Chip	0.30%
V1A3	VI EU Domestic CR Secure-EMV Offline Chip	0.30%
V1A4	VI EU Domestic CR Secure Electronic Commerce	0.30%
V1A5	VI EU Domestic CR Non-Secure Standard	0.30%

Table 2 – Visa Consumer Interchange Rate for Debit and Prepaid Transactions

Rate Code	Fee Name	Rate
V1AD	VI EU Domestic DP Secure-EMV Contactless¹	0.20%
V1AE	VI EU Domestic DP Secure-EMV Online Magstripe	0.20%
V1AF	VI EU Domestic DP Secure-EMV Online Chip	0.20%
V1AG	VI EU Domestic DP Secure-EMV Offline Chip	0.20%
V1AH	VI EU Domestic DP Secure Electronic Commerce	0.20%
V1AI	VI EU Domestic DP Non-Secure Standard	0.20%
V1AJ	VI EU Domestic VPAY Standard	0.20%

_{1. Current Card Verification Method limit is 50.00 EUR.}

^{Published 12 December 2022}

January 2023 – Austria Commercial Domestic Interchange Rate Codes

Beginning 23 January 2023, Visa interchange rate codes in Austria will be updated as noted in the tables below. Rates will remain the same.

Table 1 – Visa Business Commercial Interchange Rates for Credit and Deferred Debit Transactions

Rate Code	Fee Name	Rate
V1AV	VI EU Domestic CR Business Standard	1.65%
V1AW	VI EU Domestic CR Business EMV Contactless¹	1.30%
V1AX	VI EU Domestic CR Business EMV Online Magstripe	1.30%
V1AY	VI EU Domestic CR Business EMV Online Chip	1.30%
V1AZ	VI EU Domestic CR Business EMV Offline Chip	1.30%
V1B0	VI EU Domestic CR Business Electronic Commerce	1.55%
V1B3	VI EU Domestic CR Business Small Market	0.30%

Table 2 – Visa Business Commercial Interchange Rates for Debit Transactions

Rate Code	Fee Name	Rate
V1B4	VI EU Domestic D Business EMV Contactless¹	1.30%
V1B5	VI EU Domestic D Business EMV Online Magstripe	1.30%
V1B6	VI EU Domestic D Business EMV Online Chip	1.30%
V1B7	VI EU Domestic D Business EMV Offline Chip	1.30%
V1B8	VI EU Domestic D Business Electronic Commerce	1.55%
V1B9	VI EU Domestic D Business Standard	1.65%

Table 3 – Visa Business Commercial Interchange Rates for Prepaid Transactions

Rate Code	Fee Name	Rate
V1BG	VI EU Domestic P Business EMV Contactless¹	1.30%
V1BH	VI EU Domestic P Business EMV Online Magstripe	1.30%
V1BI	VI EU Domestic P Business EMV Online Chip	1.30%
V1BJ	VI EU Domestic P Business EMV Offline Chip	1.30%
V1DH	VI EU Domestic P Business EMV Min²	0.35 EUR
V1BK	VI EU Domestic P Business Electronic Commerce	1.55%
V1BL	VI EU Domestic P Business Electronic Commerce Minimum³	0.35 EUR
V1BM	VI EU Domestic P Business Standard	1.65%
V1BN	VI EU Domestic P Business Standard Minimum⁴	0.35 EUR

Table 4 – Visa Infinite and Visa Platinum Commercial Interchange Rates for Credit and Deferred Debit

Rate Code	Fee Name	Rate
V1CA	VI EU Domestic CR Infinite Platinum EMV Contactless¹	1.55%
V1CB	VI EU Domestic CR Infinite Platinum EMV Online Magstripe	1.55%
V1CC	VI EU Domestic CR Infinite Platinum EMV Online Chip	1.55%
V1CD	VI EU Domestic CR Infinite Platinum EMV Offline Chip	1.55%
V1CE	VI EU Domestic CR Infinite Platinum Electronic Commerce	1.80%
V1CF	VI EU Domestic CR Infinite Platinum Standard	1.90%

Table 5 – Visa Infinite and Visa Platinum Commercial Interchange Rates for Debit Transactions

Rate Code	Fee Name	Rate
V1CG	VI EU Domestic D Infinite Platinum EMV Contactless¹	1.55%
V1CH	VI EU Domestic D Infinite Platinum EMV Online Magstripe	1.55%
V1CI	VI EU Domestic D Infinite Platinum EMV Online Chip	1.55%
V1CJ	VI EU Domestic D Infinite Platinum EMV Offline Chip	1.55%
V1CK	VI EU Domestic D Infinite Platinum Electronic Commerce	1.80%
V1CL	VI EU Domestic D Infinite Platinum Standard	1.90%

Table 6 –Visa Corporate Travel and Entertainment Commercial Interchange Rates for Credit and Deferred Debit Transactions

Rate Code	Fee Name	Rate
V1CM	VI EU Domestic CR Corporate Standard	1.90%
V1CN	VI EU Domestic CR Corporate EMV Contactless¹	1.55%
V1CP	VI EU Domestic CR Corporate EMV Online Magstripe	1.55%
V1CQ	VI EU Domestic CR Corporate EMV Online Chip	1.55%
V1CR	VI EU Domestic CR Corporate EMV Offline Chip	1.55%
V1CS	VI EU Domestic CR Corporate Electronic Commerce	1.80%
V1CU	VI EU CR Corporate Large Market Enterprise	0.30%

Table 7 – Visa Purchasing Commercial Interchange Rates for Credit and Deferred Debit Transactions

Rate Code	Fee Name	Rate
V1E6	VI EU Domestic CR Purchasing Standard	1.90%
V1D0	VI EU Domestic CR Purchasing VGIS EMV Contactless	1.55% - 0.50 EUR
V1D1	VI EU Domestic CR Purchasing VGIS EMV Online Magstripe	1.55% - 0.50 EUR
V1D2	VI EU Domestic CR Purchasing VGIS EMV Online Chip	1.55% - 0.50 EUR
V1D3	VI EU Domestic CR Purchasing VGIS EMV Offline Chip	1.55% - 0.50 EUR
V1D4	VI EU Domestic CR Purchasing VGIS Standard	1.90% - 0.50 EUR
V1DA	VI EU Domestic CR Purchasing LID EMV Contactless	1.55% - 0.50 EUR
V1DB	VI EU Domestic CR Purchasing LID EMV Online Magstripe	1.55% - 0.50 EUR
V1DC	VI EU Domestic CR Purchasing LID EMV Online Chip	1.55% - 0.50 EUR
V1DD	VI EU Domestic CR Purchasing LID EMV Offline Chip	1.55% - 0.50 EUR
V1DE	VI EU Domestic CR Purchasing LID Standard	1.90% - 0.50 EUR
V1E0	VI EU Domestic CR Purchasing EMV Contactless¹	1.55%
V1E1	VI EU Domestic CR Purchasing EMV Online Magstripe	1.55%
V1E2	VI EU Domestic CR Purchasing EMV Online Chip	1.55%
V1E3	VI EU Domestic CR Purchasing EMV Offline Chip	1.55%
V1E7	VI EU Domestic Large Ticket 2⁵	0.75% + 98.00 EUR
V1E8	VI EU Domestic Large Ticket 1⁶	1.00% + 60.00 EUR
V1D5	VI EU Domestic CR Purchasing Electronic Commerce VGIS	1.80% - 0.50 EUR
V1DF	VI EU Domestic CR Purchasing Electronic Commerce LID	1.80% - 0.50 EUR
V1E4	VI EU Domestic CR Purchasing Electronic Commerce	1.80%

_{1. Card Verification Method (CVM) is 50.00 EUR.}

_{2. Break-even transaction amount is less than or equal to 26.92 EUR.}

_{3. Break-even transaction amount is less than or equal to 22.58 EUR.}

_{4. Break-even transaction amount is less than or equal to 21.21 EUR.}

_{5. Transactions greater than 15,000.00 EUR.}

_{6. Transactions between 7,500.00 EUR and 15,000.00 EUR.}

^{Published 12 December 2022}

January 2023 – Belgium Consumer Domestic Interchange Rate Codes

Beginning 23 January 2023, Visa interchange rate codes in Belgium will be updated as noted in the tables below. Rates will remain the same.

Table 1 – Visa Consumer Interchange Rate for Credit and Deferred Debit Transactions

Rate Code	Fee Name	Rate
V1A0	VI EU Domestic CR Secure-EMV Contactless¹	0.30%
V1A1	VI EU Domestic CR Secure-EMV Online Magstripe	0.30%
V1A2	VI EU Domestic CR Secure-EMV Online Chip	0.30%
V1A3	VI EU Domestic CR Secure-EMV Offline Chip	0.30%
V1A4	VI EU Domestic CR Secure Electronic Commerce	0.30%
V1A5	VI EU Domestic CR Non-Secure Standard	0.30%

Table 2 – Visa Consumer Interchange Rate for Debit Transactions

Rate Code	Fee Name	Rate
V1AD	VI EU Domestic DP Secure-EMV Contactless¹	0.20%
V1AE	VI EU Domestic DP Secure-EMV Online Magstripe	0.20%
V1AF	VI EU Domestic DP Secure-EMV Online Chip	0.20%
V1AG	VI EU Domestic DP Secure-EMV Offline Chip	0.20%
V1AH	VI EU Domestic DP Secure Electronic Commerce	0.20%
V1AI	VI EU Domestic DP Non-Secure Standard	0.20%
V1AJ	VI EU Domestic VPAY Standard	0.20%
V122	VI EU Domestic DP Secure-EMV Cap²	0.05 EUR

_{1. Current Card Verification Method limit is 50.00 EUR}

_{2. Transaction value greater than or equal to 25.00 EUR}

^{Published 12 December 2022}

January 2023 – Belgium Commercial Domestic Interchange Rate Codes

Beginning 23 January 2023, Visa interchange rate codes in Belgium will be updated as noted in the tables below. Rates will remain the same.

Table 1 – Visa Business Commercial Interchange Rates for Credit and Deferred Debit Transactions

Rate Code	Fee Name	Rate
V1AV	VI EU Domestic CR Business Standard	1.65%
V1AW	VI EU Domestic CR Business EMV Contactless¹	1.30%
V1AX	VI EU Domestic CR Business EMV Online Magstripe	1.30%
V1AY	VI EU Domestic CR Business EMV Online Chip	1.30%
V1AZ	VI EU Domestic CR Business EMV Offline Chip	1.30%
V1B0	VI EU Domestic CR Business Electronic Commerce	1.55%
V1B3	VI EU Domestic CR Business Small Market	0.30%

Table 2 – Visa Business Commercial Interchange Rates for Debit Transactions

Rate Code	Fee Name	Rate
V1B4	VI EU Domestic D Business EMV Contactless¹	0.40%
V1B5	VI EU Domestic D Business EMV Online Magstripe	0.40%
V1B6	VI EU Domestic D Business EMV Online Chip	0.40%
V1B7	VI EU Domestic D Business EMV Offline Chip	0.40%
V1B8	VI EU Domestic D Business Electronic Commerce	1.55%
V1B9	VI EU Domestic D Business Standard	1.65%
V158	VI BE Business DB EMV Cap⁵	0.60 EUR

Table 3 – Visa Business Commercial Interchange Rates for Prepaid Transactions

Rate Code	Fee Name	Rate
V1BG	VI EU Domestic P Business EMV Contactless¹	1.30%
V1BH	VI EU Domestic P Business EMV Online Magstripe	1.30%
V1BI	VI EU Domestic P Business EMV Online Chip	1.30%
V1BJ	VI EU Domestic P Business EMV Offline Chip	1.30%
V1DH	VI EU Domestic P Business EMV Min²	0.35 EUR
V1BK	VI EU Domestic P Business Electronic Commerce	1.55%
V1BL	VI EU Domestic P Business Electronic Commerce Minimum³	0.35 EUR
V1BM	VI EU Domestic P Business Standard	1.65%
V1BN	VI EU Domestic P Business Standard Minimum⁴	0.35 EUR

Table 4 – Visa Infinite and Visa Platinum Commercial Interchange Rates for Credit and Deferred Debit

Rate Code	Fee Name	Rate
V1CA	VI EU Domestic CR Infinite Platinum EMV Contactless¹	1.55%
V1CB	VI EU Domestic CR Infinite Platinum EMV Online Magstripe	1.55%
V1CC	VI EU Domestic CR Infinite Platinum EMV Online Chip	1.55%
V1CD	VI EU Domestic CR Infinite Platinum EMV Offline Chip	1.55%
V1CE	VI EU Domestic CR Infinite Platinum Electronic Commerce	1.80%
V1CF	VI EU Domestic CR Infinite Platinum Standard	1.90%

Table 5 – Visa Infinite and Visa Platinum Commercial Interchange Rates for Debit Transactions

Rate Code	Fee Name	Rate
V1CG	VI EU Domestic D Infinite Platinum EMV Contactless¹	0.40%
V1CH	VI EU Domestic D Infinite Platinum EMV Online Magstripe	0.40%
V1CI	VI EU Domestic D Infinite Platinum EMV Online Chip	0.40%
V1CJ	VI EU Domestic D Infinite Platinum EMV Offline Chip	0.40%
V1CK	VI EU Domestic D Infinite Platinum Electronic Commerce	1.80%
V1CL	VI EU Domestic D Infinite Platinum Standard	1.90%
V158	VI BE Business DB EMV Cap⁵	0.60 EUR

Table 6 –Visa Corporate Travel and Entertainment Commercial Interchange Rates for Credit and Deferred Debit Transactions

Rate Code	Fee Name	Rate
V1CM	VI EU Domestic CR Corporate Standard	1.90%
V1CN	VI EU Domestic CR Corporate EMV Contactless¹	1.55%
V1CP	VI EU Domestic CR Corporate EMV Online Magstripe	1.55%
V1CQ	VI EU Domestic CR Corporate EMV Online Chip	1.55%
V1CR	VI EU Domestic CR Corporate EMV Offline Chip	1.55%
V1CS	VI EU Domestic CR Corporate Electronic Commerce	1.80%
V1CU	VI EU CR Corporate Large Market Enterprise	0.30%

Table 7 –Visa Purchasing Commercial Interchange Rates for Credit and Deferred Debit Transactions

Rate Code	Fee Name	Rate
V1E6	VI EU Domestic CR Purchasing Standard	1.90%
V1D0	VI EU Domestic CR Purchasing VGIS EMV Contactless	1.55% - 0.50 EUR
V1D1	VI EU Domestic CR Purchasing VGIS EMV Online Magstripe	1.55% - 0.50 EUR
V1D2	VI EU Domestic CR Purchasing VGIS EMV Online Chip	1.55% - 0.50 EUR
V1D3	VI EU Domestic CR Purchasing VGIS EMV Offline Chip	1.55% - 0.50 EUR
V1D4	VI EU Domestic CR Purchasing VGIS Standard	1.90% - 0.50 EUR
V1DA	VI EU Domestic CR Purchasing LID EMV Contactless	1.55% - 0.50 EUR
V1DB	VI EU Domestic CR Purchasing LID EMV Online Magstripe	1.55% - 0.50 EUR
V1DC	VI EU Domestic CR Purchasing LID EMV Online Chip	1.55% - 0.50 EUR
V1DD	VI EU Domestic CR Purchasing LID EMV Offline Chip	1.55% - 0.50 EUR
V1DE	VI EU Domestic CR Purchasing LID Standard	1.90% - 0.50 EUR
V1E0	VI EU Domestic CR Purchasing EMV Contactless¹	1.55%
V1E1	VI EU Domestic CR Purchasing EMV Online Magstripe	1.55%
V1E2	VI EU Domestic CR Purchasing EMV Online Chip	1.55%
V1E3	VI EU Domestic CR Purchasing EMV Offline Chip	1.55%
V1E7	VI EU Domestic Large Ticket 2⁶	0.75% + 98.00 EUR
V1E8	VI EU Domestic Large Ticket 1⁷	1.00% + 60.00 EUR
V1D5	VI EU Domestic CR Purchasing Electronic Commerce VGIS	1.80% - 0.50 EUR
V1DF	VI EU Domestic CR Purchasing Electronic Commerce LID	1.80% - 0.50 EUR
V1E4	VI EU Domestic CR Purchasing Electronic Commerce	1.80%

_{1. Card Verification Method (CVM) limit is 50.00 EUR}

_{2. Break-even transaction amount is less than or equal to 26.92 EUR}

_{3. Break-even transaction amount is less than or equal to 22.58 EUR}

_{4. Break-even transaction amount is less than or equal to 21.21 EUR}

_{5. Transactions greater than or equal to 150.00 EUR}

_{6. Transactions greater than 15,000.00 EUR}

_{7. Transactions between 7,500.00 EUR and 15,000.00 EUR}

^{Published 12 December 2022}

February 2024 – M/Chip Deployment Performance Program for POS Supported by a Third-Party Integrator

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

_P2023.0995

_{Published 13 October 2023}

January 2024 – Authorization Optimizer Updates

Starting 1 January 2024, Mastercard will charge an Authorization Optimizer fee for declined card-not-present (CNP) transactions that meet the following conditions:

Recurring transactions
Mastercard decline reason code is equal to 51 (Insufficient Funds)
Mastercard-provided merchant advice code (MAC) is equal to 24 to 30

Table 1 – Mastercard Authorization Optimizer Fee

Fee Name	Region	New Rate
MC Auth Optimizer AI Fee	EEA (including the U.K. and Gibraltar)	0.004 EUR
MC Auth Optimizer AI Fee	Non-EEA	0.010 EUR

Mastercard’s Authorization Optimizer Service, formerly known as the Decline Reason Code Service, provides the following timelines for resubmitting authorization requests after a CNP recurring payment is declined:

Table 2 – Mastercard Resubmission Timelines per MAC

MAC	Timeline
24	Retry after 1 hour
25	Retry after 24 hours
26	Retry after 2 days
27	Retry after 4 days
28	Retry after 6 days
29	Retry after 8 days
30	Retry after 10 days

_P2022.1534b

_{Published 13 October 2023}

September 2023 – Updated Domestic POS Interchange Fees in Portugal

Mastercard has updated their domestic POS interchange fees in Portugal.

Table – Mastercard Commercial Domestic POS Interchange Fee for Debit Transactions

Rate Code	Fee Name	Current Rate Sales	Current Rate Refunds	New Rate Sales	New Rate Refunds
M1FB	MC EU Domestic DMC Business Contactless	0.90%	- 0.6750%	1.00%	- 0.7500%
M1FD	MC EU Domestic DMC Business Chip	0.90%	- 0.6750%	1.00%	- 0.7500%
M1FE	MC EU Domestic DMC Business Enhanced Electronic	1.10%	- 0.8250%	1.35%	- 1.0125%
M1FF	MC EU Domestic DMC Business Base	1.10%	- 0.8250%	1.35%	- 1.0125%
M1CJ	MC EU Domestic Business Premium Enhanced Electronic	1.35%	-1.0125%	1.55%	- 1.1625%
M1CK	MC EU Domestic Business Premium Base	1.35%	-1.0125%	1.55%	- 1.1625%
M1H1	MC Portugal Domestic Corporate Debit Enhanced Electronic	1.35%	-1.0125%	1.55%	- 1.1625%
M1H2	MC Portugal Domestic Corporate Debit Base	1.35%	-1.0125%	1.55%	- 1.1625%
M1H3	MC Portugal Domestic Business Debit Contactless	0.90%	- 0.6750%	1.00%	- 0.7500%
M1H4	MC Portugal Domestic Business Debit Chip	0.90%	- 0.6750%	1.00%	- 0.7500%
M1H5	MC Portugal Domestic Business Debit Enhanced Electronic	1.10%	- 0.8250%	1.35%	- 1.0125%
M1H6	MC Portugal Domestic Business Debit Base	1.10%	- 0.8250%	1.35%	- 1.0125%

_P2023.1191

_{Published 15 September 2023}

April 2023 – Additional Commercial Credit Interchange Rates for the Mastercard Enterprise Solution Wholesale Travel Program

Update: On 13 October 2023, new and existing rates will be available for all merchant categories.

Mastercard added the new commercial credit interchange rates listed in the table below to their Enterprise Solution Wholesale Travel Program. These rates do not have MCC restrictions.

The existing interchange rates in this program remain unchanged.

Table – Mastercard Commercial Interchange Rates for Credit Transactions

Rate Code	Fee Name	Rate
MBTA	MC B2B Product 7 - MTA	2.00%
MBTB	MC B2B Product 8 - MTB	1.90%
MBTC	MC B2B Product 9 - MTC	1.80%
MBTD	MC B2B Product 10 - MTD	1.70%
MBTE	MC B2B Product 11 - MTE	1.60%
MBTF	MC B2B Product 12 - MTF	1.50%
MBTG	MC B2B Product 13 - MTG	1.40%
MBTH	MC B2B Product 14 - MTH	1.30%
MBTI	MC B2B Product 15 - MTI	1.20%
MBTJ	MC B2B Product 16 - MTJ	1.10%
MBTK	MC B2B Product 17 - MTK	1.00%

_{P2023.0203

P2023.0090}

_{Updated 14 June 2023

Published 14 April 2023}

New Rate Codes for Mastercard Refund Cap Transactions

We have added new rate codes for certain Mastercard transactions with refund caps. Rates remain the same.

Table 1 – Mastercard Domestic Refund Caps for Debit and Credit Transactions

Rate Code	Fee Name	Refund Cap
M1J1	MasterCard EU Domestic Refund Cap – EUR Debit¹	0.05 EUR
M1J2	MasterCard IE Domestic Refund Cap - EUR Debit²	0.05 EUR
M1J3	MasterCard LU Domestic Refund Cap - EUR Debit³	0.05 EUR
M1J4	MasterCard MT Domestic Refund Cap - EUR Debit⁴	0.05 EUR
M1J6	MasterCard EU Domestic Refund Cap - GBP Debit⁵	0.04 GBP
M1J0	MasterCard EU Domestic Refund Cap - EUR Credit⁶	0.05 EUR
M1J5	MasterCard EU Domestic Refund Cap - GBP Credit⁵	0.04 GBP

Table 2 – Mastercard EEA-Restricted Refund Caps for Debit and Credit Transactions

Rate Code	Fee Name	Refund Cap
M1JC	MasterCard EEA Restricted Refund Cap CP Debit EUR	0.05 EUR
M1JD	MasterCard EEA Restricted Refund Cap CNP Debit EUR	0.05 EUR
M1JE	MasterCard EEA Restricted Refund Cap CP Credit EUR	0.05 EUR
M1JF	MasterCard EEA Restricted Refund Cap CNP Credit EUR	0.05 EUR

Table 3 – Mastercard Intra-EEA Refund Caps for Debit and Credit Transactions

Rate Code	Fee Name	Refund Cap
M1JL	MasterCard EU Intra-EEA Refund Cap - EUR Credit	0.05 EUR
M1JM	MasterCard EU Intra-EEA Refund Cap - EUR Debit	0.05 EUR

Table 4 – Criteria for EEA-Restricted and Intra-EEA Refund Caps

Criteria Group	Issuer Country	Merchant Country
Intra-EEA	Andorra, Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Germany, Denmark, Estonia, Spain, Finland, Faroe Islands, France, French Guiana, Greenland, Guadeloupe, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Martinique, Malta, Netherlands, Norway, Poland, Portugal, Réunion, Romania, Sweden, Slovakia	Andorra, Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Germany, Denmark, Estonia, Spain, Finland, Faroe Islands, France, French Guiana, Greenland, Guadeloupe, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Martinique, Malta, Netherlands, Norway, Poland, Portugal, Réunion, Romania, Sweden, Slovenia, Slovakia
EEA-Restricted	Andorra, Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Germany, Denmark, Estonia, Spain, Finland, Faroe Islands, France, French Guiana, Greenland, Guadeloupe, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Martinique, Malta, Netherlands, Norway, Poland, Portugal, Réunion, Romania, Sweden, Slovakia	Great Britain and Gibraltar
EEA-Restricted	Great Britain, Gibraltar, Jersey, Isle of Man, Guernsey, Monaco, San Marino, Switzerland, Holy See, Antarctica, Greenland, Faroe Islands, Saint Barthélemy, Falkland Islands, Saint Helena, Ascension and Tristan da Cunha, South Georgia and the South Sandwich Islands	Andorra, Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Germany, Denmark, Estonia, Spain, Finland, Faroe Islands, France, French Guiana, Greenland, Guadeloupe, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Martinique, Malta, Netherlands, Norway, Poland, Portugal, Réunion, Romania, Sweden, Slovenia, Slovakia
EEA-Restricted	Albania, Armenia, Azerbaijan, Belarus, Bosnia and Herzegovina, Georgia, Israel, Kazakhstan, Kyrgyzstan, Republic of North Macedonia, Moldova, Montenegro, Russia, Serbia, Tajikistan, Turkey, Turkmenistan, Ukraine, Uzbekistan	Andorra, Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Germany, Denmark, Estonia, Spain, Finland, Faroe Islands, France, French Guiana, Greenland, Guadeloupe, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Martinique, Malta, Netherlands, Norway, Poland, Portugal, Réunion, Romania, Sweden, Slovenia, Slovakia, Great Britain, Gibraltar

_{1. Applies to domestic transactions in Austria, Belgium, Cyprus, Czech Republic, Germany, Denmark, Finland, France, Italy, Iceland, Netherlands, Norway, Portugal, and Sweden.}

_{2. Applies to domestic transactions in Ireland.}

_{3. Applies to domestic transactions in Luxembourg.}

_{4. Applies to domestic transactions in Malta.}

_{5. Applies to domestic transactions in Great Britain.}

_{6. Applies to domestic transactions in Austria, Belgium, Cyprus, Czech Republic, Germany, Denmark, Spain, Finland, France, Italy, Iceland, Luxembourg, Malta, Netherlands, Norway, Portugal, and Sweden.}

^{Published 12 December 2022}

New Rate Codes for Maestro Refund Cap Transactions

We have added new rate codes for certain Maestro transactions with refund caps. Rates remain the same.

Table 1 – Maestro Domestic Refund Caps for Debit Transactions

Rate Code	Fee Name	Refund Cap
M1J7	Maestro EU Domestic Refund Cap - EUR Debit¹	0.05 EUR
M1J8	Maestro IE Domestic Refund Cap - EUR Debit²	0.05 EUR
M1J9	Maestro LU Domestic Refund Cap - EUR Debit³	0.05 EUR
M1JA	Maestro MT Domestic Refund Cap - EUR Debit⁴	0.05 EUR
M1JB	Maestro EU Domestic Refund Cap - GBP Debit⁵	0.04 GBP

Table 2 – Maestro EEA-Restricted Refund Caps for Debit Transactions

Rate Code	Fee Name	Refund Cap
M1JG	Maestro EEA Restricted Refund Cap CP Debit EUR	0.05 EUR
M1JK	Maestro EEA Restricted Refund Cap CNP Debit EUR	0.05 EUR

Table 3 – Maestro Intra-EEA Refund Caps for Debit Transactions

Rate Code	Fee Name	Refund Cap
M1JN	Maestro EU Intra-EEA Refund Cap - EUR Debit	0.05 EUR

Table 4 – Criteria for EEA-Restricted and Intra-EEA Refund Caps

Criteria Group	Issuer Country	Merchant Country
Intra-EEA	Andorra, Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Germany, Denmark, Estonia, Spain, Finland, Faroe Islands, France, French Guiana, Greenland, Guadeloupe, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Martinique, Malta, Netherlands, Norway, Poland, Portugal, Réunion, Romania, Sweden, Slovakia	Andorra, Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Germany, Denmark, Estonia, Spain, Finland, Faroe Islands, France, French Guiana, Greenland, Guadeloupe, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Martinique, Malta, Netherlands, Norway, Poland, Portugal, Réunion, Romania, Sweden, Slovenia, Slovakia
EEA-Restricted	Andorra, Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Germany, Denmark, Estonia, Spain, Finland, Faroe Islands, France, French Guiana, Greenland, Guadeloupe, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Martinique, Malta, Netherlands, Norway, Poland, Portugal, Réunion, Romania, Sweden, Slovakia	Great Britain and Gibraltar
EEA-Restricted	Great Britain, Gibraltar, Jersey, Isle of Man, Guernsey, Monaco, San Marino, Switzerland, Holy See, Antarctica, Greenland, Faroe Islands, Saint Barthélemy, Falkland Islands, Saint Helena, Ascension and Tristan da Cunha, South Georgia and the South Sandwich Islands	Andorra, Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Germany, Denmark, Estonia, Spain, Finland, Faroe Islands, France, French Guiana, Greenland, Guadeloupe, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Martinique, Malta, Netherlands, Norway, Poland, Portugal, Réunion, Romania, Sweden, Slovenia, Slovakia
EEA-Restricted	Albania, Armenia, Azerbaijan, Belarus, Bosnia and Herzegovina, Georgia, Israel, Kazakhstan, Kyrgyzstan, Republic of North Macedonia, Moldova, Montenegro, Russia, Serbia, Tajikistan, Turkey, Turkmenistan, Ukraine, Uzbekistan	Andorra, Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Germany, Denmark, Estonia, Spain, Finland, Faroe Islands, France, French Guiana, Greenland, Guadeloupe, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Martinique, Malta, Netherlands, Norway, Poland, Portugal, Réunion, Romania, Sweden, Slovenia, Slovakia, Great Britain, Gibraltar

_{1. Applies to domestic transactions in Austria, Belgium, Cyprus, Czech Republic, Germany, Denmark, Finland, France, Italy, Iceland, Netherlands, Norway, Portugal, and Sweden.}

_{2. Applies to domestic transactions in Ireland.}

_{3. Applies to domestic transactions in Luxembourg.}

_{4. Applies to domestic transactions in Malta.}

_{5. Applies to domestic transactions in Great Britain.}

^{Published 12 December 2022}

January 2023 – New SCA Exemption Indicator Fee in EEA and the United Kingdom including Gibraltar

On 30 January 2023, Mastercard will introduce a new Exemption Indicator service fee, shown in the table below. This new fee applies to all approved e-commerce authorizations submitted for a low-value payment, transaction risk analysis or an SCA delegation with a Strong Customer Authentication (SCA) Exemption Indicator and:

The assigned static Accountholder Authentication Value (AAV), indicates one of the following programs:
- Maestro Recurring Payments Program
- Mastercard Utility Payment Program
- Maestro Low Risk Merchant Program
- Maestro Static AAV for Masterpass
The transaction does NOT include a valid AAV, or
The transaction is submitted with a Mastercard Digital Enablement Service (MDES) token, even if you have a valid AAV or are granted an SCA Exemption (see below)

How to avoid the fee

The fee will not apply when you request an SCA Exemption in your authentication flow to Mastercard and receive an Electronic Commerce Indicator (ECI) value of 6. In this scenario, you must submit a value of 6 in the Universal Cardholder Authentication Field (UCAF) Collection Indicator field to avoid the charge.

Additionally, the fee will not apply to merchant-initiated transactions, recurring payments, secure corporate payments, or where there is an authentication outage.

Table – Mastercard Exemption Indicator Fee

Fee Name	New Fee
Mastercard EU Exemption Indicator Fee	0.02 EUR

^{Published 5 December 2022}

January 2023 – Mastercard Connectivity Fee for EEA countries, the UK, Gibraltar, and Switzerland

On 2 January 2023, Mastercard will replace both primary connectivity and backup connectivity fees with a new connectivity fee shown in the table below. The new connectivity fee will be based on data usage rather than transaction.

Table – Mastercard Connectivity Pricing

Fee Name	Fee
Mastercard Connectivity Fee	0.0014 EUR

^{Published 12 December 2022}

January 2023 – Mastercard Transaction Processing Excellence Fee for Card Not Present Transactions

Update: Mastercard will modify the fees starting 1 January 2023, as seen in Table 1.

Last 1 October 2021, Mastercard introduced the Transaction Processing Excellence Program (TPE) fee called the Merchant Advice Code or 'MAC' fee for declined card-not-present (CNP) transactions that meet certain conditions as listed in Table 1.

Table 1 – Europe MAC Fees

Fee Name	Fee Amount Effective 1 January 2022	Fee Amount Effective 1 January 2023	Conditions
Merchant Advice Code Fee	0.25 EUR	0.50 EUR	Declined with a MAC value of 03 or 21
			Transaction on the same card within the past 30 days at the same merchant
			Same transaction amount was declined with MAC 03 or 21

You are encouraged to familiarise the “Mastercard Response Code” and “Merchant Advice Code” combinations and note the recommended action as listed in Table 2 to avoid charges.

Table 2 – Mastercard response code mapping

Decline Description	Mastercard Response Code	MAC Code	MAC Description	Recommended Action
Insufficient Funds/ Over Credit Limit	51	3	Do not try again.	Obtain anther type of payment from the cardholder.
Card is Expired	14
Do Not Honor	5
Invalid Account number	54
Do Not Honor	5	21	Payment Cancellation	Recurring payment is cancelled by cardholder. Do not resubmit transaction

Please visit our Developer Center for more information on authorisation codes.

^{Updated 3 November 2022
Updated 21 March 2022
Published 16 July 2021}

January 2023 – Revised Excessive Authorization Attempts Transaction Processing Excellence (TPE) Program

On 2 January 2023, Mastercard will reduce the threshold of declined attempts for the Excessive Authorization Attempts TPE program from 20¹ to 10¹.

The existing Excessive Authorization Attempts fee will remain at 0.55 EUR per transaction over the threshold.

To review the pricing for the TPE fees, please refer to our “March 2022 – Revised Pricing for the Transaction Processing Excellence Fee” announcement.

_{1. Attempts over threshold within a 24-hour period.}

^{Published 3 November 2022}

October 2022 – Installments Program in the United Kingdom

Update: Mastercard is delaying the assessment of their Installments Program fees (see Table 3) from 13 January to 31 October 2023.

On 14 October 2022, J.P. Morgan started supporting the Mastercard Installments Program in the U.K. This program, introduced in April, allows issuer-approved cardholders to purchase large ticket items and set up an installment payment schedule with the issuer. The merchant will receive payment for the entire transaction amount at the time of purchase as with other Mastercard transactions.

Enrollment: Mastercard will automatically enroll merchants into participation in the Mastercard Installments Payments Program.

Rates: Rates for Mastercard Standard interchange categories remain the same and apply to Mastercard Installments Program transactions (see Table 1).

Opt-Out: Merchants can opt-out of the Installments Program by contacting J.P. Morgan. Mastercard Installments transactions accepted by a merchant that has opted-out of the program will decline at the point-of-sale.

Merchant Advice Code: To identify declined installments transactions for those non-participating merchants, Mastercard Merchant Advice Code (MAC) value of 22 has been added for this Program (see Table 2) and MAC 22 will be provided with the decline response.

Effective 31 October 2023, Mastercard will introduce new Mastercard Installments Program fees that will apply based on merchant category codes (see Table 3).

Table 1 – Mastercard Installments Program Interchange Rates (effective 14 October 2022)

Description	Merchant Category Codes	Rate
Mastercard Installment Payments Group A	0742, 0743, 0763, 0780, 1520, 1711, 1731, 1740, 1750, 1761, 1771, 1799, 2741, 2791, 2842, 3000, 3001, 3005, 3006, 3007, 3008, 3009, 3010, 3011, 3012, 3013, 3014, 3015, 3016, 3018, 3020, 3022, 3024, 3025, 3026, 3030, 3032, 3034, 3035, 3039, 3040, 3042, 3043, 3047, 3048, 3050, 3051, 3052, 3058, 3066, 3069, 3075, 3076, 3077, 3078, 3079, 3082, 3084, 3088, 3098, 3099, 3102, 3103, 3125, 3127, 3129, 3132, 3136, 3144, 3161, 3174, 3175, 3180, 3182, 3183, 3191, 3196, 3206, 3211, 3219, 3234, 3252, 3256, 3260, 3261, 3294, 3297, 3351, 3355, 3357, 3359, 3366, 3370, 3374, 3386, 3387, 3388, 3389, 3390, 3393, 3395, 3398, 3400, 3405, 3409, 3412, 3427, 3435, 3501, 3502, 3503, 3504, 3508, 3509, 3510, 3511, 3512, 3513, 3515, 3516, 3517, 3519, 3520, 3521, 3523, 3526, 3527, 3528, 3530, 3532, 3533, 3535, 3537, 3539, 3542, 3543, 3550, 3551, 3552, 3553, 3554, 3555, 3558, 3559, 3561, 3562, 3564, 3565, 3569, 3572, 3573, 3575, 3576, 3577, 3581, 3583, 3588, 3589, 3590, 3591, 3592, 3595, 3596, 3597, 3604, 3607, 3608, 3609, 3613, 3614, 3615, 3617, 3618, 3619, 3621, 3626, 3627, 3628, 3629, 3631, 3632, 3634, 3637, 3638, 3640, 3641, 3644, 3647, 3649, 3650, 3652, 3654, 3660, 3662, 3665, 3667, 3670, 3676, 3679, 3684, 3685, 3687, 3690, 3692, 3693, 3694, 3695, 3697, 3699, 3700, 3703, 3704, 3705, 3706, 3707, 3708, 3709, 3710, 3714, 3715, 3717, 3721, 3722, 3725, 3726, 3727, 3728, 3730, 3731, 3734, 3735, 3738, 3740, 3741, 3742, 3743, 3745, 3749, 3750, 3751, 3755, 3757, 3762, 3763, 3764, 3765, 3766, 3769, 3770, 3771, 3772, 3773, 3774, 3775, 3777, 3778, 3779, 3780, 3782, 3783, 3785, 3787, 3788, 3789, 3791, 3793, 3794, 3795, 3796, 3800, 3801, 3805, 3807, 3808, 3811, 3812, 3813, 3816, 3818, 3819, 3822, 3823, 3824, 3825, 3826, 3828, 3829, 3830, 3831, 3832, 3833, 3834, 3836, 4011, 4112, 4119, 4131, 4214, 4215, 4225, 4411, 4457, 4468, 4511, 4582, 4722, 4784, 4789, 4812, 4816, 4821, 4829, 5013, 5021, 5039, 5044, 5045, 5046, 5047, 5051, 5065, 5072, 5074, 5085, 5094, 5099, 5111, 5122, 5131, 5137, 5139, 5169, 5172, 5192, 5193, 5198, 5199, 5200, 5211, 5231, 5251, 5261, 5271, 5309, 5311, 5399, 5422, 5441, 5451, 5462, 5511, 5521, 5531, 5532, 5533, 5551, 5561, 5571, 5592, 5598, 5599, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5681, 5691, 5697, 5698, 5699, 5712, 5713, 5714, 5718, 5719, 5722, 5732, 5733, 5734, 5735, 5811, 5815, 5816, 5817, 5818, 5921, 5931, 5932, 5933, 5935, 5937, 5940, 5941, 5942, 5943, 5944, 5945, 5946, 5947, 5948, 5949, 5950, 5962, 5963, 5964, 5965, 5966, 5967, 5968, 5969, 5970, 5971, 5972, 5973, 5975, 5976, 5977, 5978, 5983, 5992, 5993, 5994, 5995, 5996, 5997, 5998, 5999, 6211, 7011, 7012, 7032, 7033, 7210, 7211, 7216, 7217, 7221, 7230, 7251, 7261, 7273, 7276, 7277, 7278, 7296, 7297, 7298, 7299, 7311, 7321, 7333, 7338, 7339, 7342, 7349, 7361, 7372, 7375, 7379, 7392, 7393, 7394, 7395, 7399, 7512, 7513, 7519, 7531, 7534, 7535, 7538, 7542, 7549, 7622, 7623, 7629, 7631, 7641, 7692, 7699, 7911, 7922, 7929, 7932, 7933, 7941, 7991, 7992, 7993, 7996, 7997, 7998, 7999, 8011, 8021, 8031, 8041, 8042, 8043, 8049, 8050, 8062, 8071, 8099, 8111, 8211, 8220, 8241, 8244, 8249, 8299, 8351, 8398, 8641, 8651, 8661, 8675, 8699, 8734, 8911, 8931, 8999, 9405, 9950	0.30%
Mastercard Installment Payments Group B	4111, 4121, 4814, 4899, 5300, 5310, 5331 ,5411, 5499, 5541, 5542, 5552, 5812, 5813, 5814, 5912, 5960, 6012, 6050, 6051, 6300, 6513, 6540, 7523, 7800, 7801, 7802, 7829, 7832, 7841, 7994, 7995, 9211, 9222, 9223, 9311, 9399, 9402	0.30%
Mastercard Installment Payments Group C	4900	0.30%

Table 2 – Mastercard Response Code Mapping (effective 14 October 2022)

Decline Description	Mastercard Response Code	MAC Code	MAC Description	Recommended Action
Do not honor	05	22	Merchant does not qualify for product code	Obtain another type of payment from the cardholder.

Table 3 – Mastercard Installments Program Fees (effective 31 October 2023)

Installments Payment Groups	Billing Frequency	Purchase Rate	Refund Rate
Mastercard Installment Payments Group A	Weekly	1.27%	-1.27%
Mastercard Installment Payments Group B	Weekly	1.27%	-1.27%
Mastercard Installment Payments Group C	Weekly	1.27%	-1.27%

^{Updated 13 January 2023

Published 30 September 2022}

July 2022 – Decline Reason Code Service Pricing for Card-Not-Present Transactions

Update: This is to clarify that Mastercard’s DRCS Fee is applicable to card-not-present transactions (excluding MOTO transactions), including, but not limited to, account verification transactions and refund authorizations.

Mastercard changed the effective date for the Mastercard Decline Reason Code Service Fee (EEA). This fee now applies to the additional regions of the UK and Gibraltar too (see Table 1).

On 1 July 2022, Mastercard will introduce a Decline Reason Code Service (DRCS) fee which will be charged when Mastercard sends a Merchant Advice Code (MAC) when the card-issuing bank does not.

Table 1 – DRCS Fee

Fee Name	Merchant Country	Effective Date	Fee
MC Decline Reason Code Service Fee (EEA)	European Economic Area (EEA) Countries, UK, Gibraltar	1 July 2022 to 1 January 2023	0.002 EUR¹
MC Decline Reason Code Service Fee (EEA)	European Economic Area (EEA) Countries, UK, Gibraltar	2 January 2023	0.004 EUR
MC Decline Reason Code Service Fee (CH)	Switzerland	15 October 2022	0.01 EUR

DRCS fee will be charged when all the following conditions are met:

Transaction is card-not-present¹ (excluding mail order/telephone order transactions)
Decline reason² is equal to one of the following:
- 79 (Lifecycle)
- 82 (Policy)
- 83 (Security)
MAC provided is equal to 01 (Updated/additional information needed) and 03 (Do Not try)

To avoid subsequent fees, you can use the best practices below when you receive a MAC.

Table 2 – DRCS Suggested Merchant Actions

Auth Response Code	Merchant Advice Code	Suggested Merchant Action
79 or 82	1	Updated information was found in the Mastercard Automatic Billing Updater (ABU) database. Check for new information before reattempting.
83	1	Authentication may improve the likelihood of an approval. Retry using authentication (such as EMV 3DS).
79 or 82	3	Updated credentials are not found to be available in the Mastercard ABU database. Do not retry.
82	3	Suspected fraud. Do not retry.

_{1. Only MAC 01 is applicable.}

_{2. These are categories of a new subset of sensitive decline reasons that Mastercard will map on behalf of the issuer.}

	_{Updated 14 June 2023}
_P2022.0822	_{Published 4 April 2022}

January 2023 – Austria Consumer Domestic Interchange Rate Codes

Beginning 23 January 2023, Mastercard interchange rate codes in Austria will be updated as noted in the tables below. Rates remain the same.

Table 1 – Mastercard Consumer Credit Interchange Rates

Rate Code	Fee Name	Rate
M1A0	MC EU Domestic Consumer Credit Contactless¹	0.30%
M1A1	MC EU Domestic Consumer Credit Chip & Pin	0.30%
M1A3	MC EU Domestic Consumer Credit Enhanced Electronic	0.30%
M1A4	MC EU Domestic Consumer Credit Merchant UCAF	0.30%
M1A5	MC EU Domestic Consumer Credit Full UCAF	0.30%
M1A6	MC EU Domestic Consumer Credit Base	0.30%

Table 2 – Mastercard Consumer Debit/Prepaid & Mastercard Consumer Interchange Rates

Rate Code	Fee Name	Rate
M1AA	MC EU Domestic Consumer Debit Prepaid Contactless¹	0.20%
M1AB	MC EU Domestic Consumer Debit Prepaid Chip & Pin	0.20%
M1AD	MC EU Domestic Consumer Debit Prepaid Enhanced Electronic	0.20%
M1AE	MC EU Domestic Consumer Debit Prepaid Merchant UCAF	0.20%
M1AF	MC EU Domestic Consumer Debit Prepaid Full UCAF	0.20%
M1AG	MC EU Domestic Consumer Debit Prepaid Base	0.20%

_{1. Current Card Verification Method limit is 50 EUR.}

^{Published 12 December 2022}

January 2023 – Austria Commercial Card Domestic Interchange Rate Codes

Beginning 23 January 2023, Mastercard interchange rate codes in Austria will be updated as noted in the tables below. Rates remain the same.

Table 1 – Mastercard Business Premium Debit Interchange Rates

Rate Code	Fee Name	Rate	Refund
M1CG	MC EU Domestic Business Premium Contactless	1.50%	-1.125%
M1CH	MC EU Domestic Business Premium Chip & Pin	1.50%	-1.125%
M1CJ	MC EU Domestic Business Premium Enhanced Electronic	1.60%	-1.200%
M1CK	MC EU Domestic Business Premium Base	1.90%	-1.425%
M1CR	MC EU Domestic Business Premium Incentive Chip & Pin	1.20%	-1.125%
M1CT	MC EU Domestic Business Premium Incentive Enh Electronic	1.30%	-1.200%
M1CU	MC EU Domestic Business Premium Incentive Base	1.60%	-1.425%

Table 2 – Mastercard Corporate Prepaid Debit Interchange Rates

Rate Code	Fee Name	Rate	Refund
M1ER	MC EU Dom DMC Corporate Prepaid Contactless	1.25%	-0.9375%
M1ES	MC EU Dom DMC Corporate Prepaid Chip & Pin	1.25%	-0.9375%
M1EU	MC EU Dom DMC Corporate Prepaid Enhanced Electronic	1.35%	-1.0125%
M1EV	MC EU Dom DMC Corporate Prepaid Base	1.65%	-1.2375%
M1F1	MC EU Dom DMC Corporate Prepaid Incentive Chip & Pin	0.95%	-0.9375%
M1F3	MC EU Dom DMC Corporate Prepaid Incentive Enh Electronic	1.05%	-1.0125%
M1F4	MC EU Dom DMC Corporate Prepaid Incentive Base	1.35%	-1.2375%

Table 3 – Mastercard for Business Debit Interchange Rates

Rate Code	Fee Name	Rate	Refund
M1FB	MC EU Domestic DMC Business Contactless	1.25%	-0.9375%
M1FC	MC EU Domestic DMC Business Chip & Pin	1.25%	-0.9375%
M1FE	MC EU Domestic DMC Business Enhanced Electronic	1.35%	-1.0125%
M1FF	MC EU Domestic DMC Business Base	1.65%	-1.2375%
M1FL	MC EU Domestic DMC Business Incentive Chip & Pin	0.95%	-0.9375%
M1FN	MC EU Domestic DMC Business Incentive Enh Electronic	1.05%	-1.0125%
M1FP	MC EU Domestic DMC Business Incentive Base	1.35%	-1.2375%

Table 4 – Mastercard Large Ticket Interchange Rates

Rate Code	Fee Name	Rate	Refund
M1G1	MC EU Commercial Domestic Large Ticket Level 1	1.00% + 20.00 EUR	-0.75% - 15.00 EUR
M1G2	MC EU Commercial Domestic Large Ticket Level 2	0.75% + 45.00 EUR	-0.5625% - 33.75 EUR

Table 5 – Mastercard Business Interchange Rates

Rate Code	Fee Name	Rate	Refund
M1D1	MC EU Domestic Business Contactless	1.25%	-0.9375%
M1D2	MC EU Domestic Business Chip & Pin	1.25%	-0.9375%
M1D4	MC EU Domestic Business Enhanced Electronic	1.35%	-1.0125%
M1D5	MC EU Domestic Business Base	1.65%	-1.2375%
M1DB	MC EU Domestic Business Incentive Chip & Pin	0.95%	-0.9375%
M1DD	MC EU Domestic Business Incentive Enh Electronic	1.05%	-1.0125%
M1DE	MC EU Domestic Business Incentive Base	1.35%	-1.2375%

Table 6 – Mastercard Corporate Interchange Rates

Rate Code	Fee Name	Rate	Refund
M1AR	MC EU Domestic Corporate Contactless	1.50%	-1.125%
M1AS	MC EU Domestic Corporate Chip & Pin	1.50%	-1.125%
M1AU	MC EU Domestic Corporate Enhanced Electronic	1.60%	-1.200%
M1AV	MC EU Domestic Corporate Base	1.90%	-1.425%
M1B1	MC EU Domestic Corporate Incentive Chip & Pin	1.20%	-1.125%
M1B3	MC EU Domestic Corporate Incentive Enhanced Electronic	1.30%	-1.200%
M1B4	MC EU Domestic Corporate Incentive Base	1.60%	-1.425%

Table 7 – Mastercard Corporate Prepaid Interchange Rates

Rate Code	Fee Name	Rate	Refund
M1BF	MC EU Domestic Corporate Prepaid Contactless	1.80%	-1.350%
M1BG	MC EU Domestic Corporate Prepaid Chip & Pin	1.80%	-1.350%
M1BI	MC EU Domestic Corporate Prepaid Enhanced Elect	1.80%	-1.350%
M1BJ	MC EU Domestic Corporate Prepaid Base	1.90%	-1.425%
M1MU	MC EU Domestic Corporate Prepaid Incentive Chip and Pin	1.50%	-1.350%
M1MW	MC EU Domestic Corporate Prepaid Incentive Enhanced Elect	1.50%	-1.350%
M1MX	MC EU Domestic Corporate Prepaid Incentive Base	1.60%	-1.425%

Table 8 – Mastercard FleetCard Interchange Rates

Rate Code	Fee Name	Rate	Refund
M1FW	MC EU Domestic FleetCard Contactless	1.25%	-0.9375%
M1FX	MC EU Domestic FleetCard Chip & Pin	1.25%	-0.9375%
M1FZ	MC EU Domestic FleetCard Enhanced Electronic	1.35%	-1.0125%
M1G0	MC EU Domestic FleetCard Base	1.65%	-1.2375%
M1G8	MC EU Domestic FleetCard Incentive Chip & Pin	0.95%	-0.9375%
M1GA	MC EU Domestic FleetCard Incentive Enh Electronic	1.05%	-1.0125%
M1GB	MC EU Domestic FleetCard Incentive Base	1.35%	-1.2375%

Table 9 – Mastercard Prepaid Commercial Interchange Rates

Rate Code	Fee Name	Rate	Refund
M1E6	MC EU Domestic Prepaid Commercial Contactless	1.25%	-0.9375%
M1E7	MC EU Domestic Prepaid Commercial Chip & Pin	1.25%	-0.9375%
M1E9	MC EU Domestic Prepaid Commercial Enhanced Electronic	1.35%	-1.0125%
M1EA	MC EU Domestic Prepaid Commercial Base	1.65%	-1.2375%
M1EG	MC EU Domestic Prepaid Commercial Incentive Chip & Pin	0.95%	-0.9375%
M1EI	MC EU Domestic Prepaid Commercial Incentive Enh Electronic	1.05%	-1.0125%
M1EJ	MC EU Domestic Prepaid Commercial Incentive Base	1.35%	-1.2375%

Table 10 – Mastercard Purchasing Card Interchange Rates

Rate Code	Fee Name	Rate	Refund
M1GI	MC EU Domestic Purchasing Card Contactless	1.25%	-0.9375%
M1GJ	MC EU Domestic Purchasing Card Chip & Pin	1.25%	-0.9375%
M1GL	MC EU Domestic Purchasing Card Enhanced Electronic	1.35%	-1.0125%
M1GM	MC EU Domestic Purchasing Card Base	1.65%	-1.2375%
M1GV	MC EU Domestic Purchasing Card Incentive Chip & Pin	1.25% - 0.50 EUR	-0.9375%
M1GX	MC EU Domestic Purchasing Card Incentive Enh Electronic	1.35% - 0.50 EUR	-1.0125%
M1GY	MC EU Domestic Purchasing Card Incentive Base	1.65% - 0.50 EUR	-1.2375%

Table 11 – Mastercard World Preferred Interchange Rates

Rate Code	Fee Name	Rate	Refund
M1BW	MC EU Domestic World Preferred Contactless	1.50%	-1.125%
M1BX	MC EU Domestic World Preferred Chip & Pin	1.50%	-1.125%
M1BZ	MC EU Domestic World Preferred Enhanced Electronic	1.60%	-1.200%
M1C0	MC EU Domestic World Preferred Base	1.90%	-1.425%
M1C6	MC EU Domestic World Preferred Incentive Chip & Pin	1.20%	-1.125%
M1C8	MC EU Domestic World Preferred Incentive Enhanced Electronic	1.30%	-1.200%
M1C9	MC EU Domestic World Preferred Incentive Base	1.60%	-1.425%

^{Published 12 December 2022}

January 2023 – Austria Maestro Consumer Card Domestic Interchange Rate Codes

Beginning 23 January 2023, Maestro interchange rate codes in Austria will be updated as noted in the table below. Rates will remain the same.

Table – Maestro Consumer Debit/Prepaid Interchange Rates

Rate Code	Fee Name	Rate
M1M0	Maestro EU Domestic Consumer Contactless¹	0.20%
M1M1	Maestro EU Domestic Consumer Chip & Pin	0.20%
M1M2	Maestro EU Domestic Consumer Secure e & m Commerce	0.20%
M1M3	Maestro EU Domestic Consumer MOTO	0.20%
M1M4	Maestro EU Domestic Consumer Base	0.20%

_{1. Current Card Verification Method limit is 50.00 EUR}

^{Published 12 December 2022}

January 2023 – Belgium Consumer Card Domestic Interchange Rate Codes

Beginning 23 January 2023, Mastercard interchange rate codes in Belgium will be updated as noted in the tables below. Rates remain the same.

Table 1 – Mastercard Consumer Credit Interchange Rates

Rate Code	Fee Name	Rate
M1A0	MC EU Domestic Consumer Credit Contactless¹	0.30%
M1A1	MC EU Domestic Consumer Credit Chip & Pin	0.30%
M1A3	MC EU Domestic Consumer Credit Enhanced Electronic	0.30%
M1A4	MC EU Domestic Consumer Credit Merchant UCAF	0.30%
M1A5	MC EU Domestic Consumer Credit Full UCAF	0.30%
M1A6	MC EU Domestic Consumer Credit Base	0.30%

Table 2 – Mastercard Consumer Debit Interchange Rates

Rate Code	Fee Name	Rate
M1AA	MC EU Domestic Consumer Debit Prepaid Contactless¹	0.20%
M1AB	MC EU Domestic Consumer Debit Prepaid Chip & Pin	0.20%
M1AD	MC EU Domestic Consumer Debit Prepaid Enhanced Electronic	0.20%
M1AE	MC EU Domestic Consumer Debit Prepaid Merchant UCAF	0.20%
M1AF	MC EU Domestic Consumer Debit Prepaid Full UCAF	0.20%
M1AG	MC EU Domestic Consumer Debit Prepaid Base	0.20%
M1TP	MC Belgium Consumer Debit Prepaid Contactless^{1, 2}	Max EUR 0.05
M1TQ	MC Belgium Consumer Debit Prepaid Chip & Pin²	Max EUR 0.05
M1TR	MC Belgium Consumer Debit Prepaid Enhanced Electronic²	Max EUR 0.05
M1TS	MC Belgium Consumer Debit Prepaid Merchant UCAF²	Max EUR 0.05
M1TT	MC Belgium Consumer Debit Prepaid Full UCAF²	Max EUR 0.05
M1TU	MC Belgium Consumer Debit Prepaid Base²	Max EUR 0.05

_{1. Current Card Verification Method limit is 50.00 EUR.}

_{2. Transactions greater than or equal to 25.00 EUR.}

^{Published 12 December 2022}

January 2023 – Belgium Commercial Card Domestic Interchange Rate Codes

Update: Mastercard will modify the rate codes starting 20 January 2023.

Beginning 23 January 2023, Mastercard interchange rate codes in Belgium will be updated as noted in the tables below. Rates remain the same.

Table 1 – Mastercard Commercial Credit Large Ticket Interchange Rates

Rate Code	Fee Name	Rate	Refund
M1G1	MC EU Commercial Domestic Large Ticket Level 1	1.00% + 20.00 EUR	-0.7500% - 15.00 EUR
M1G2	MC EU Commercial Domestic Large Ticket Level 2	0.75% + 45.00 EUR	-0.5625% - 33.75 EUR

Table 2 – Mastercard Corporate Interchange Rates

Rate Code	Fee Name	Rate	Refund
M1AR	MC EU Domestic Corporate Contactless	1.55%	-1.1625%
M1AS	MC EU Domestic Corporate Chip & Pin	1.55%	-1.1625%
M1AU	MC EU Domestic Corporate Enhanced Electronic	1.60%	-1.200%
M1AV	MC EU Domestic Corporate Base	1.90%	-1.425%
M1B1	MC EU Domestic Corporate Incentive Chip & Pin	1.25%	-1.1625%
M1B3	MC EU Domestic Corporate Incentive Enhanced Electronic	1.30%	-1.200%
M1B4	MC EU Domestic Corporate Incentive Base	1.60%	-1.425%

Table 3 – Mastercard Corporate Prepaid Interchange Rates

Rate Code	Fee Name	Rate	Refund
M1BF	MC EU Domestic Corporate Prepaid Contactless	1.80%	-1.350%
M1BG	MC EU Domestic Corporate Prepaid Chip & Pin	1.80%	-1.350%
M1BI	MC EU Domestic Corporate Prepaid Enhanced Elect	1.80%	-1.350%
M1BJ	MC EU Domestic Corporate Prepaid Base	1.90%	-1.425%
M1MU	MC EU Domestic Corporate Prepaid Incentive Chip and Pin	1.50%	-1.350%
M1MW	MC EU Domestic Corporate Prepaid Incentive Enhanced Elect	1.50%	-1.350%
M1MX	MC EU Domestic Corporate Prepaid Incentive Base	1.60%	-1.425%

Table 4 – Mastercard World Preferred Interchange Rates

Rate Code	Fee Name	Rate	Refund
M1BW	MC EU Domestic World Preferred Contactless	1.55%	-1.1625%
M1BX	MC EU Domestic World Preferred Chip & Pin	1.55%	-1.1625%
M1BZ	MC EU Domestic World Preferred Enhanced Electronic	1.60%	-1.200%
M1C0	MC EU Domestic World Preferred Base	1.90%	-1.425%
M1C6	MC EU Domestic World Preferred Incentive Chip & Pin	1.25%	-1.1625%
M1C8	MC EU Domestic World Preferred Incentive Enhanced Electronic	1.30%	-1.200%
M1C9	MC EU Domestic World Preferred Incentive Base	1.60%	-1.425%

Table 5 – Mastercard Business Interchange Rates

Rate Code	Fee Name	Rate	Refund
M1D1	MC EU Domestic Business Contactless	1.30%	-0.9750%
M1D2	MC EU Domestic Business Chip & Pin	1.30%	-0.9750%
M1D4	MC EU Domestic Business Enhanced Electronic	1.35%	-1.013%
M1D5	MC EU Domestic Business Base	1.65%	-1.238%
M1DB	MC EU Domestic Business Incentive Chip & Pin	1.00%	-0.9750%
M1DD	MC EU Domestic Business Incentive Enh Electronic	1.05%	-1.013%
M1DE	MC EU Domestic Business Incentive Base	1.35%	-1.238%

Table 6 – Mastercard FleetCard Interchange Rates

Rate Code	Fee Name	Rate	Refund
M1FW	MC EU Domestic FleetCard Contactless	1.55%	-1.1625%
M1FX	MC EU Domestic FleetCard Chip & Pin	1.55%	-1.1625%
M1FZ	MC EU Domestic FleetCard Enhanced Electronic	1.60%	-1.200%
M1G0	MC EU Domestic FleetCard Base	1.90%	-1.425%
M1G8	MC EU Domestic FleetCard Incentive Chip & Pin	1.25%	-1.1625%
M1GA	MC EU Domestic FleetCard Incentive Enh Electronic	1.30%	-1.200%
M1GB	MC EU Domestic FleetCard Incentive Base	1.60%	-1.425%

Table 7 – Mastercard Purchasing Card Interchange Rates

Rate Code	Fee Name	Rate	Refund
M1GI	MC EU Domestic Purchasing Card Contactless	1.55%	-1.1625%
M1GJ	MC EU Domestic Purchasing Card Chip & Pin	1.55%	-1.1625%
M1GL	MC EU Domestic Purchasing Card Enhanced Electronic	1.60%	-1.200%
M1GM	MC EU Domestic Purchasing Card Base	1.90%	-1.425%
M1GV	MC EU Domestic Purchasing Card Incentive Chip & Pin	1.25%	-1.1625%
M1GX	MC EU Domestic Purchasing Card Incentive Enh Electronic	1.30%	-1.200%
M1GY	MC EU Domestic Purchasing Card Incentive Base	1.60%	-1.425%

Table 8 – Mastercard Business Premium Debit Interchange Rates

Rate Code	Fee Name	Rate	Refund
M1CG	MC EU Domestic Business Premium Contactless	0.80%	-0.6000%
M1CH	MC EU Domestic Business Premium Chip & Pin	0.80%	-0.6000%
M1CJ	MC EU Domestic Business Premium Enhanced Electronic	1.60%	-1.200%
M1CK	MC EU Domestic Business Premium Base	1.90%	-1.425%

Table 9 – Debit Mastercard for Business Interchange Rates

Rate Code	Fee Name	Rate	Refund
M1FB	MC EU Domestic DMC Business Contactless	0.40%	-0.3000%
M1FC	MC EU Domestic DMC Business Chip & Pin	0.40%	-0.3000%
M1FE	MC EU Domestic DMC Business Enhanced Electronic	1.35%	-1.013%
M1FF	MC EU Domestic DMC Business Base	1.65%	-1.238%

Table 10 – Mastercard Prepaid Commercial Interchange Rates

Rate Code	Fee Name	Rate	Refund
M1E6	MC EU Domestic Prepaid Commercial Contactless	1.30%	-0.9750%
M1E7	MC EU Domestic Prepaid Commercial Chip & Pin	1.30%	-0.9750%
M1E9	MC EU Domestic Prepaid Commercial Enhanced Electronic	1.35%	-1.013%
M1EA	MC EU Domestic Prepaid Commercial Base	1.65%	-1.238%
M1EG	MC EU Domestic Prepaid Commercial Incentive Chip & Pin	1.00%	-0.9750%
M1EI	MC EU Domestic Prepaid Commercial Incentive Enh Electronic	1.05%	-1.013%
M1EJ	MC EU Domestic Prepaid Commercial Incentive Base	1.35%	-1.238%

Table 11 – Mastercard Professional Card Interchange Rates

Rate Code	Fee Name	Rate	Refund
M1DL	MC EU Domestic Professional Card Contactless	1.30%	-0.9750%
M1DM	MC EU Domestic Professional Card Chip & Pin	1.30%	-0.9750%
M1DP	MC EU Domestic Professional Card Enhanced Electronic	1.35%	-1.013%
M1DQ	MC EU Domestic Professional Card Base	1.65%	-1.238%
M1DW	MC EU Domestic Professional Card Incentive Chip & Pin	1.00%	-0.9750%
M1DY	MC EU Domestic Professional Card Incentive Enh Electronic	1.05%	-1.013%
M1DZ	MC EU Domestic Professional Card Incentive Base	1.35%	-1.238%

^{Updated 13 January 2023

Published 12 December 2022}

January 2023 – Belgium Maestro Consumer Card Domestic Interchange Rate Codes

Beginning 23 January 2023, Maestro interchange rate codes in Belgium will be updated as noted in the tables below. Rates will remain the same.

Table 1 – Maestro Consumer Debit/Prepaid Interchange Rates

Rate Code	Fee Name	Rate
M1M0	Maestro EU Domestic Consumer Contactless¹	0.20%
M1M1	Maestro EU Domestic Consumer Chip & Pin	0.20%
M1M2	Maestro EU Domestic Consumer Secure e & m Commerce	0.20%
M1M3	Maestro EU Domestic Consumer MOTO	0.20%
M1M4	Maestro EU Domestic Consumer Base	0.20%
M1M9	Maestro EU Domestic Consumer Low Value Payments²	0.20%
M1V9	Maestro Belgium Consumer Contactless Max^{1, 3}	0.05 EUR
M1VA	Maestro Belgium Consumer Chip & Pin Max³	0.05 EUR
M1VB	Maestro Belgium Consumer Secure e & m Commerce Max³	0.05 EUR
M1VC	Maestro Belgium Consumer MOTO Max³	0.05 EUR
M1VD	Maestro Belgium Consumer Base Max³	0.05 EUR

_{1. Current Card Verification Method limit is 50.00 EUR}

_{2. Transactions less than or equal to 10.00 EUR}

_{3. Transactions greater than or equal to 25.00 EUR}

^{Published 12 December 2022}

January 2023 – Belgium Maestro Commercial Card Domestic Interchange Rate Codes

Beginning 23 January 2023, Maestro interchange rate codes in Belgium will be updated as noted in the table below. Rates will remain the same.

Table – Maestro Consumer Debit Interchange Rates

Rate Code	Fee Name	Rate	Refund
M1ME	Maestro EU Domestic Small Business Contactless¹	0.40%	-0.3000%
M1MJ	Maestro EU Domestic Small Business Secure e & m Commerce	1.50%	-1.1125%
M1MK	Maestro EU Domestic Small Business MOTO²	1.50%	-1.1125%
M1MC	Maestro Small Business Chip & PIN	0.40%	-0.3000%
M1MD	Maestro Small Business Base	1.65%	-1.2375%
M1WR	Maestro Belgium Small Business Contactless Max³	0.60 EUR	-
M1WS	Maestro Belgium Small Business Contactless Refund Max³	-	-0.45 EUR
M1WT	Maestro Belgium Small Business Chip & PIN Max³	0.60 EUR	-
M1WU	Maestro Belgium Small Business Chip & PIN Refund Max³	-	-0.45 EUR

_{1. Current Card Verification Method limit is 50.00 EUR}

_{2. Credit fund transactions only}

_{3. Transactions greater than or equal to 150.00 EUR}

^{Published 12 December 2022}

Reminder on ECI 05 Reclassification for E-Commerce Transactions

Visa is restating that devise-based cardholder-initiated transactions are reclassified to electronic commerce indicator (ECI) 05 when a Token Authentication Verification Value (TAVV) is validated and the token type is 02 (secure element) or 03 (host card emulation).

_P2023.1521

_{Published 13 October 2023}

September 2024 – EMV 3DS 2.1.0 Support Discontinued

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.

^P2022.1505

^{Published 14 June 2023}

NEW

April 2024 – CVV2 Will No Longer Be Required for Visa Secure Transactions

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

The CVV2 must still be provided in authorizations for:

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

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

_P2023.1302

_{Published 15 November 2023}

April 2024 – PCI DSS Version 4.0 Implementation

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

Please visit the PCI Council website for more information.

_P2023.1230

_{Published 15 September 2023}

March 2024 – Standing Instruction MITs for Device Tokens

Starting 1 March 2024, 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 March 2024.

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 J.P. Morgan representative to find the right token solution for you.

_P2021.1134a

_{Published 15 August 2023}

November 2023 – Interim Transaction Identifier Will No Longer be Supported

Beginning 1 November 2023, Visa will no longer accept interim transaction IDs. Please submit a valid transaction ID with every merchant-initiated transaction including recurring, unscheduled and installment transactions to avoid declines.

Please visit our Developer Center for the complete specifications required to submit valid transaction IDs.

_P2023.1028

_{Published 15 August 2023}

Updated SCA Implementation Guide

Visa updated their PSD2 Strong Customer Authentication (SCA) for Remote Electronic Transactions Implementation Guide to include

A new section, Key SCA Challenges, that highlights the issues that impact the decline rate caused by the implementation of the SCA regulation. You may use this section to apply SCA with minimal consumer impact
An updated Chapter 5 that was re-added to version 4.0 and provides numerous payment use cases for SCA application

For more information, please visit the Payment Services Directive 2 Overview page on Visa Online.

_P2023.0626

_{Published 15 August 2023}

Guidance on Customized Cards and Transplanted EMV Chips

Some cardholders are using a customization service provider to personalize their cards by transplanting the EMV chips and transferring the mag-stripe data from the original Visa-issued card to a non-Visa customized card. Visa is sharing the following guidance regarding customized cards

Customized cards may not be compliant with ISO standards for payment cards, and may not fit into chip readers
Transplanted EMV chips may not have the contactless functionality
Customized cards may not be recognizable without the Visa brand mark
Non-Visa customized cards are not required to be honored for payments

_P2023.0878

_{Published 15 August 2023}

Application Identifier for Chip and Contactless Transactions

To comply with the Interchange Fee Regulation (2015/751), Visa is requiring that the Application Identifier / Dedicated Filename in field 55 is included in all chip and contactless authorization requests.

_P2022.1398

_{Published 14 June 2023}

November 2023 – New Sensory Branding Requirements

Update: On 1 November 2023, you will need to start using the updated Visa Sensory Branding in all of your payment experiences, excluding physical POS terminals. Make sure your third-party wallet application provider integrates the updated branding requirements by this date. Learn more about the Visa Digital Brand Requirements on visa.com.

Effective 1 November 2022, Visa is introducing new requirements for the use of sensory branding in e-commerce and digital payment experiences which includes the Visa brand animation, the Visa brand sound and the Visa brand haptic.

Payment experiences in scope for the Visa Sensory Branding requirements include, but are not limited to, those involving e-commerce, transit, Connected Commerce and Internet of Things (IoT) devices, wearables, digital wallets and person-to-person (P2P) apps. Payment experiences involving digital point-of-sale, such as Tap to Phone, are also in scope.

More information can be found in the Visa Digital Brand Requirements, available on visa.com.

Please contact your third-party wallet application provider to integrate the new Visa Sensory Branding requirements into your payment experiences.

_P2022.0241a	_{Updated 14 April 2023}
	_{Published 13 July 2022}

October 2023 – Updates to Fraud and Consumer Dispute Rules

Effective 14 October 2023, Visa will make the following changes to their dispute rules.

I. Allowable Compelling Evidence

Effective 15 October 2023, only the items specified in Visa’s Allowable Compelling Evidence may be used for pre-arbitration attempts. For more information, please refer to the “April 2023 - Updated Dispute Rules” article below.

II. Pre-Arbitration Processing Requirements for Dispute Conditions 10.1, 10.2, 10.3, and 10.4

For transactions billed after a cardholder’s departure in a hotel stay, trip, or car rental return, you may submit the following:

Evidence that the transaction is connected to a previous stay, travel, or rental period (e.g. a parking violation that occurred during the car rental)
Evidence that an imprint was obtained during the same stay, travel, or rental period (e.g. any approved authorization containing an electronic imprint)

III. Dispute Condition 10.4: Other Fraud – Card-Absent Environment

A complete description of the merchandise or services purchased for the disputed transactions and the two previous undisputed transactions should be provided.

IV. Minimum Dispute Amounts

There will no longer be a minimum dispute amount for automated fuel dispenser transactions for Dispute Condition 10.3, Other Fraud – Card Present Environment.

_P2023.0530

_{Published 14 June 2023}

Extension for Reuse of CAVVs

Visa Card Authentication Verification Values (CAVVs) can now be reused up to five times by travel agencies, and for split and delayed shipments, until 18 October 2024 (previously 1 September 2022).

_P2022.0854b

_{Published 15 May 2023}

October 2023 – Digital Goods Merchant Fraud Monitoring Program

On 1 October 2023, Visa will introduce the Visa Digital Goods Merchant Fraud Monitoring Program to help lessen digital goods and small ticket fraud. The program will use data from fraud and sales transactions from the previous month. For example, October 2023 results will be based on September 2023 data. You can familiarize yourself with the program during Visa’s advisory period, which will run from 1 April 2023 to 31 August 2023.

Visa has provided the following guidance for this program.

Threshold Criteria: The program will monitor transactions that do not exceed the following thresholds.

25,000 USD fraud amount
300 fraud count
0.9% fraud-dollar to sales-dollar ratio

Merchant Category Codes: The program will monitor transactions with the following merchant category codes (MCCs).

5735 – Record Stores
5815 – Digital Goods Media – Books, Movies, Digital artwork/images, Music
5816 – Digital Goods – Games
5817 – Digital Goods – Applications (excludes Games)
5818 – Digital Goods – Large Digital Goods Merchant

_P2023.0131

_{Published 14 April 2023}

April 2023 – Updates to Status Check Transactions for Debit and Prepaid Cards Issued in Japan

Starting 14 April 2023, Visa will no longer treat transactions with a single unit of currency as status check transactions. These will now be treated as regular transactions and currency conversion rates will apply. This change applies to transactions made with debit and prepaid cards issued in Japan, and non-automated fuel dispenser transactions.

_P2022.1177

_{Published 14 April 2023}

April 2023 – Merchant-Initiated Transaction Framework Update

Visa updated their guidelines for the merchant-initiated transaction (MIT) framework to include primary account number (PAN) transactions. Please start using the MIT framework for PAN transactions to avoid unnecessary declines.

Please visit our Developer Center for the complete specifications required on the MIT framework.

_P2022.0854b

_{Published 14 April 2023}

April 2023 – Disclosure Requirements Updates

On 15 April 2023, Visa will update their disclosure requirements for recurring, up-selling, and negative option transactions. In addition to the existing disclosure requirements, the following information must be clearly displayed on the webpage where the payment credential is requested and entered, and on the checkout screen.

Recurring Transactions

Merchant Name
Description of goods or services
The length of any trial period, introductory offer, or promotional period
The transaction(s) amount(s) and currency, including specifically:
- The amount due at the time of purchase (even if zero)
- The amount and fixed date or interval due for each recurring transaction
- Where surcharging is permitted, acknowledgment of any surcharge assessed and the associated disclosures
Last 4 digits of the payment credential
Clear cancellation and refund policies, including the date that any cancellation privileges expire and a means for the cardholder to easily cancel transactions

Up-Selling Transactions

The name of the up-selling merchant offering the goods and services in a manner that clearly differentiates the up-selling merchant from the initial merchant
Description of goods and services
The length of any trial period, introductory offer, or promotional period
Clear disclosure that the cardholder will be charged unless the cardholder takes steps to cancel any subsequent transactions
The transaction amount
The transaction date
Last 4 digits of the payment credential
The cancellation policy
Instructions for an easy way to cancel the agreement and/or any subsequent transactions
The transaction(s) amount(s) and currency, including specifically:
- The amount due at the time of purchase (even if zero)
- The amount and fixed date or interval due for each recurring transaction
- Where surcharging is permitted, acknowledgment of any surcharge assessed and the associated disclosures

Negative Option Transactions

The name of the merchant offering the goods and services
Description of goods and services
The length of any trial period, introductory offer, or promotional period
Clear disclosure that the cardholder will be charged unless the cardholder takes steps to cancel any subsequent transactions
The transaction amount and transaction date for the initial transaction (even if no amount is due) and for any subsequent recurring transactions
Last 4 digits of the payment credential
The cancellation policy
Instructions for an easy way to cancel the agreement and/or any subsequent transactions
If the merchant sends a transaction receipt or notification via email, a link to a page on the merchant’s website where the agreement, order, or any subsequent transactions can be easily cancelled
The transaction(s) amount(s) and currency, including specifically:
- The amount due at the time of purchase (even if zero)
- The amount and fixed date or interval due for each recurring transaction
- Where surcharging is permitted, acknowledgment of any surcharge assessed and the associated disclosures

_{Published 15 March 2023}

April 2023 – AFD Authorization Changes

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.

_{Published 15 March 2023}

April 2023 – Risk Compliance Programs in Europe

On 15 April 2023, Visa will include international and domestic transactions in their Visa Dispute Monitoring Program and Visa Fraud Monitoring Program calculations in Europe.

Visa will also change the currency from EUR to USD for the Non-Compliance Assessment (NCA) of all monitoring programs and the Global Brand Protection Program to mirror NCAs currently applicable to clients outside Europe.

_{Published 15 March 2023}

April 2023 - Updated Dispute Rules

Update: Visa is updating their dispute rules below (see I and IV).

Visa will update their dispute rules and language to improve the effectiveness and efficiency of the dispute process. The updates outlined below are effective for the pre-arbitration attempts processed in the following dispute-related areas on or after 15 April 2023:

I. Dispute Remedy for Dispute Condition 10.4: Other Fraud – Card-Not-Present Environment

You may remedy this dispute by providing all of the following as evidence:

The same payment credential was used in two previous transactions that the issuer did not report as fraudulent activity to Visa and these transactions were processed 120–365 calendar days¹ before the dispute processing date.
The device ID, device fingerprint or IP address and one or more of the following (in both of the undisputed transactions) are the same as the disputed transaction as applicable:²
- Customer account/login ID
- Delivery address
- Device ID/device fingerprint
- IP address

Any combination of the credentials listed above can be provided if at least one of the two credentials is the device ID, device fingerprint or IP address. For example, the undisputed and disputed transactions have the same device ID and delivery address, the same IP address and login ID, or the same device fingerprint and IP address. If proper evidence is provided, the card issuer will not be allowed to continue the dispute.

Visa will no longer require evidence that merchandise or services were provided to support the compelling evidence in pre-arbitration.

II. Compelling Evidence Rules: Evidence of a Link to the Cardholder

You will be required to submit photographic or email evidence if you are attempting to prove a link between the cardholder and the person receiving the merchandise or services, or to prove that the cardholder disputing the transaction is in possession of the merchandise and/or is using the merchandise or services.

Examples of photographic evidence may include:

Photos from the cardholder’s social media showing the cardholder using the merchandise or services
Snapshots of security footage taken at your location showing the cardholder taking possession of the merchandise
Photos taken during delivery of goods showing the cardholder receiving the merchandise

Examples of email evidence may include:

Email correspondence from the cardholder indicating the merchandise was received
Email from cardholder asking how to put items together, make it work, etc.

III. Compelling Evidence Rules: Evidence of Prior Undisputed Transactions

Under Dispute Condition 10.4: Fraud – Card-Not-Present Environment, you may supply evidence that three or more of the following elements had been used in a previous undisputed transaction:

Customer account/login ID
Delivery address
Device ID/device fingerprint
Email address
IP address
Telephone number

IV. Use of Compelling Evidence for Airline-Related Transactions

Currently, under Dispute Condition 10.4: Other Fraud—Card-Absent Environment, acquirers (for all regions except Europe) may remedy a dispute by providing evidence that the cardholder’s name was included in the manifest for the departed flight, and that this name matches the cardholder’s name on the purchased itinerary. This remedy will apply to all regions for pre-arbitration attempts processed on or after 15 April 2023. The current language related to compelling evidence for Europe pre-arbitration attempts will be removed.

Please visit the Visa Compelling Evidence FAQs for more information.

_{1. This does not apply if the other undisputed transactions were original credit transactions.
2. The same date elements must match across both undisputed transaction and the disputed transaction.}

^{Updated 13 January 2023
Published 30 September 2022}

April 2023 – Address Verification Service Update

On 14 April 2023, Visa will introduce their simplified Address Verification Service (AVS) result codes and retire codes that are not included on the following list:

Table – Visa Simplified Address Verification Result Codes

Value	Description
A	AVS street address only (partial match)
N	AVS non-match
R	AVS indeterminate outcome (retry)
U	AVS unable to verify
Y	AVS full match
Z	AVS postal/zip code only (partial match)

^{Published 15 February 2023}

Single Maximum Transaction Limit Updates

Visa raised their single maximum transaction limit from 749,999.99 USD to 1,499,999.99 USD for purchases, refunds and credits on the following U.S.-issued cards used anywhere in the world:

Visa Business Tier 3
Visa Business Tier 5
Visa Corporate T & E
Visa GSA Corporate T & E
Visa Purchasing
Visa Purchasing with Fleet
Visa GSA Purchasing
Visa GSA Purchasing with Fleet
Visa B2B Virtual Payments
Visa Flexible Rate B2B Virtual Program

_{Published 15 March 2023}

Add Card in 3DS Requestor Authentication Indicator

Visa is advising everyone to use the 3DS Requestor Authentication Indicator = Add Card (04) for non-payment authentication (NPA) requests. This will minimize strong customer authentication (SCA) declines on account verification transactions by informing card issuing banks that a non-financial transaction is being used to store a credential for future cardholder-initiated-transactions (CIT).

You must continue to use the 3DS Requestor Challenge Indicator = Challenge Request: Mandate (04) for cases where a challenge is required (e.g., the transaction is being performed to set up a future merchant-initiated-transaction (MIT)). You will also have the option to send this indicator in an NPA request when non-financial transactions are used to set up MITs.

Please contact your 3DS server provider to ensure field mapping is in line with the recommended specifications.

^{Published 13 January 2023}

Token Service & Web Browser Autofill

Visa is introducing their Visa Token Service (VTS) to web browsers for improved security and consumer experience on card-not-present (CNP) transactions. Merchants globally could begin seeing tokenized transactions within Google Chrome beginning Q1 2023, when Visa begins its full rollout of the VTS functionality for U.S. cardholders.

Prior to this integration, cardholders could choose to have their account and expiration date stored for use on a merchant checkout page. The integration between Visa and Google Chrome will allow purchases to use a token, which converts the account number and expiration date into a separate, new value with a dynamically generated Token Verification Value (DTVV). The DTVV is collected and used in the same manner as the 3-digit Cardholder Verification Value (CVV2) found on the back of a physical card.

The token autofill feature is automatically enabled for all merchants. Please assess if your business is prepared to accept a token for purchases. No additional action is required if your business is ready to accept tokens for transactions made through a browser.

If your business is not ready, you can opt out and opt back into the Visa token web browser autofill process by providing the following information to one of the email addresses noted below:

Merchant name(s)
Merchant URL(s) for their web pages that include payment credential entry forms
Merchant App Package/Bundle ID(s), if applicable
- An Android or iOS application ID; similar in format to a URL
- This information is only required if you have an app that cardholders use on their mobile device for purchases
Merchant Token Requestor ID(s) (TRIDs), if applicable

The above information must be provided via email to opt back into the service.

Email us at MS_OptOut_Browser_Autofill@jpmorgan.com to opt out/in of this process.

For more information on the VTS functionality, you may refer to the below resources:

^{Published 12 December 2022}

November 2023 – New Merchant Advice Codes

On 7 November 2023, Mastercard is introducing the following new merchant advice code (MAC) values in authorization responses for specific card products.

MAC 40 – for consumer non-reloadable prepaid card
MAC 41 – for consumer single-use virtual card number

If you accept these card products as payment for card-not-present (CNP) transactions, especially for subscription services, you may inform your customers to add an alternate payment source to ensure uninterrupted service and avoid the risk of insufficient funds or expired cards. This will improve your CNP approval rates for recurring charges.

_P2023.0667

_{Published 15 September 2023}

October 2023 – Additional Requirements on SCA During Card-Add

On 13 October 2023, Mastercard will require non-payment card-add authentications to always include a step-up authentication. Please contact your EMV 3DS service provider to ensure that you are compliant with one of the following requirements when adding a card to a file, wallet, or similar (including tokenization), or at the latest during the first subsequent transaction:

The card acceptor or wallet must successfully complete an EMV 3DS authentication, including challenge indicator “Challenge requested: Mandate” and receiving Results request (RREQ) value = Y (confirming successful authentication); or
Apply another method that results in a successfully completed strong customer authentication (SCA)

If an SCA is completed successfully during a card-add, and the same card acceptor tokenizes the card afterwards without any action by the cardholder, then a second SCA is not required.

_P2023.0311a

_{Published 15 September 2023}

Recommendations for Digital Wallet Operators to Mitigate Fraud Attacks

Mastercard updated the digital wallet standards and recommendations outlined below to help reduce fraud risks.

Digital wallets are recommended to monitor potential social engineering fraud with the use of the following

High number of wallet top-ups, followed by rapid transfers to other digital wallets, or by other spend with such wallets
High number or more than three different card numbers being used for top-ups

As fraud prevention measures, Mastercard strongly recommends to

Temporarily block such wallet accounts when the above mentioned fraud signals are detected
Limit the number of cards used for top-ups on a wallet account to three cards
Only allow top-up from cards owned by the wallet account holder, as required by the anti-money laundering (AML) rules

_P2023.0311a

_{Published 15 September 2023}

Data Integrity Monitoring Updates for Funding Transactions

Mastercard is monitoring updates made on purchase transactions for Merchant Category Codes 6540 (Funding Transactions) and 4829 (Money Transfer).

If you are processing Account Funding Transactions (AFTs), please provide the following:

Recipient First Name
Recipient Last name

If you are processing online sale transactions or reloading gift/prepaid card transactions, please provide the following:

Recipient First Name
Recipient Last name
Indication if the recipient is the cardholder or not

If you do not provide the values listed above, you may be charged a noncompliance fee.

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

_P2022.0739

_{Published 14 July 2023}

July 2023 – Data Integrity Monitoring Program Changes

On 30 July 2023, Mastercard will begin monitoring the data fields listed in the table below during transaction submissions. You must complete these fields to remain compliant with the Mastercard transaction processing rules.

Please visit our Developer Center for the complete specifications required for these fields.

Table – Required Data Fields

MCCs	Data Fields	Description
Airlines (3000-3500, 4511) and Railways (4112)	Issuing Carrier	The standard abbreviation for the airline or railway carrier issuing the ticket
	Issue Date	The date the ticket was issued to the customer
	Travel Date	The effective ticket date (previously departure date)
	Arrival Date	The cardholder check-in date
Lodging (3501-3999, 7011)	Property Phone Number	The local phone number of specific lodging property

_P2022.1030

_{Published 14 June 2023}

July 2023 – Maestro Brand Cards Transition to Mastercard

On 1 July 2023, Maestro-branded cards will transition to the Mastercard brand. Card issuers will be required to issue all new cards and renewals as Mastercard products. Maestro-branded cards issued before 1 July 2023 may remain in the field until they expire.

The countries affected by this change include:

Albania, Andorra, Antarctica, Armenia, Austria, Azerbaijan, Belgium, Bosnia and Herzegovina, Bulgaria, Channel Islands¹, Croatia, Cyprus, Czech Republic, Denmark², Estonia, Finland³, France⁴, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Isle of Man, Israel, Italy, Kazakhstan, Kosovo, Kyrgyzstan, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal⁵, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain⁶, St. Helena Ascension and Tristan Da Cunha, Sweden, Tajikistan, Turkey, Turkmenistan, Ukraine, United Kingdom⁷, Uzbekistan, and Vatican City.

Belarus, Russia, and Switzerland are not included in the transition at this time.

_{1. Includes Guernsey and Jersey}

_{2. Includes Faroe Islands and Greenland}

_{3. Includes Aland Islands}

_{4. Includes Mayotte, Guadeloupe, Martinique, French Guiana, St. Martin (French Part), Réunion, and St. Barthélemy}

_{5. Includes Azores and Madeira}

_{6. Includes Canary Islands, Ceuta, and Melilla}

_{7. Includes Falkland Islands, South Georgia, and South Sandwich Islands}

_P2021.1187

_{Published 14 April 2023}

July 2023 – Updates to Smart Authentication Stand-In Logic for Identity Check

The transaction routing logic for Mastercard’s Identity Check will be updated on 5 July 2023. Please contact your 3DS service provider to ensure you’re in compliance with the update, which will bypass the Smart Authentication Stand-In for transactions that:

Have the status reason code 22, and
Are 3D Secure requestor-initiated (3RI).

_P2023.0452

_{Published 14 June 2023}

June 2023 – Use of Trace ID for MIT or Recurring Payments Transactions

Mastercard started a data integrity monitoring program to ensure acquirers and merchants are submitting Transaction ID (Trace ID) values in the Authorization Requests/0100 messages for MITs and recurring payment transactions.

Please make sure to submit a Transaction ID (Trace ID) for all MITs and recurring payment transactions starting 1 June 2023.

_P2022.1553

_{Published 15 May 2023}

May 2023 – Updates to the Final Authorization Clearing Timeline Submission

Beginning 22 May 2023, Mastercard will update their Performance Standards. Transactions that are authorized with a final authorization request message will need to be submitted for clearing within three calendar days (including Saturdays, Sundays and holidays) from the authorization approval date. This includes point-of-sale and e-commerce transactions.

You can use preauthorization coding if your business model requires more than three days to clear, for example split shipment or trial period.

This change does not apply to transactions made in the following countries: Armenia, Azerbaijan, Belarus, Georgia, Kazakhstan, Kyrgyzstan, Moldova, Russian Federation, Tajikistan, Turkey, Turkmenistan, Ukraine, and Uzbekistan.

_P2022.1387

_{Published 14 April 2023}

Germany Country Code Validation Update

The correct country code for Germany is 280. Please use this code for Mastercard authorization requests.

Mastercard is monitoring authorization transactions for the invalid use of country code 276 for Germany.

_P2022.0906

_{Published 14 June 2023}

MIT Authorization Best Practices

Mastercard is sharing the following best practices for merchant-initiated transactions (MIT) to enhance your approval rate.

Submit the trace information from the initial transaction with the subsequent authorization
Carry out regular financial authorizations instead of account status inquiries on subsequent MIT transactions

_{Published 15 March 2023}

Autofill Virtual Cards

Mastercard has introduced Autofill Virtual Cards with the Mastercard Digital Enablement Service (MDES) to enhance the cardholders checkout experience. This functionality, which will increase security by reducing the impact of account data compromise events and allow for additional security measures, is currently in pilot for select credit card issuers and will be available to all by the end of the first quarter of 2023.

Autofill Virtual Cards work by replacing a cardholder’s Primary Account Number (PAN) and Card Validation Code 2 (CVC2) with a Virtual Card (aka Token) and Dynamic Token Validation Code (DTVC). The DTVC is then collected and used in the same manner as the 3-digit CVC2 found on the back of a physical card when cardholders transact via:

Web browsers
Browser extensions
Applications (Apps)
Wallets

You may start storing information gathered from Autofill Virtual Cards, including card numbers, upon consent, to be used for customer-initiated and merchant-initiated e-commerce transactions in accordance with existing Mastercard rules, standards, and best practices. Please take note of the following:

Never assume that the card number used in a browser guest-checkout transaction is the cardholder’s Primary Account Number (PAN); instead, leverage the Payment Account Reference (PAR), available in the authorization response, to associate all transactions related to an underlying cardholder account
Never store a card security code after authorization has been submitted

Stand by for opt-out instructions if you do not wish to accept token transactions at this time.

^{Published 12 December 2022}

April 2023 – Icelandic Krona Processing Updates

Starting 14 April 2023, transactions in the Icelandic Krona (ISK/352) must be rounded to a whole amount; populate the two-byte cents field with 00 to align with the International Organization for Standardization.

For more information, please reach out to your J.P. Morgan relationship manager or client service representative.

_{Updated 3 April 2023}

_{Published 15 March 2023}

January 2023 – Adoption of the Euro Currency in the Republic of Croatia

On 1 January 2023, the Republic of Croatia will adopt the euro as their official currency as they become the 20th member of the eurozone. The Croatian National Bank will set the fixed exchange rate of 7.53450 HRK to 1 EUR. All financial institutions in Croatia will start conducting payments and transactions in the euro.

For further information, please reach out to your J.P. Morgan relationship manager or client service representative.

^{Published 12 December 2022}

Rate Codes

This page is currently being developed. Please click here to access the Rate Code page.

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 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 J.P. Morgan 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.

©2023 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.

Payment Brand Changes

Europe Edition

Visa®

Visa® Simplified Rate Codes

Mastercard®

Mastercard® Simplified Rate Codes

Visa®

Mastercard®

All Networks

Rate Codes

For additional Payment Brand related information, please click here.

You're now leaving J.P. Morgan

Solutions

Careers

Helpful Links

JPMorgan Chase Sites

Connect with us