Payment Brand Changes

U.S. 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.

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Potential Financial Impacts

Potential Financial Impact

Process Changes

Rate Codes

April 2024 – PAN Pass Back Program Fee

Effective April 2024, Visa will start charging a Payment Account Number (PAN) Pass Back Program fee of $0.02 per event for transit and urban mobility operators. This program will only be available for transit merchants processing token transactions under the following Merchant Category Codes:

MCC 4111 - Local and Suburban Commuter Passenger Transportation, including ferries
MCC 4112 - Passenger Railways
MCC 4131 - Bus Lines

You can implement a payment account reference (PAR) in your system before April 2024 to avoid this fee. The PAR provides the ability to link payment activity to a payment account.

Visa will stop sending PANs in transaction responses beginning April 2026.

_P2022.1087

_{Published April 14, 2023}

NEW

October 2023 – Updated Consumer Credit Interchange Fee Programs

Effective October 13, 2023, Visa will update their consumer credit interchange fee programs as follows. Credit voucher transactions will continue to qualify for existing rates in the U.S. Credit Voucher fee program.

Table 1 – New Fee Names for Visa Service Station and Government Small Ticket Updated Interchange Rates

New Fee Name	Rate
Visa CPS Small Ticket Trad Rewards Sign - Fuel Gov	1.65% + $0.04
Visa CPS Small Ticket Inf SNQ - Fuel Gov	1.65% + $0.04

Table 2 – New Fee Names for Visa Supermarket Updated Interchange Rates

New Fee Name	Rate
Visa CPS Supermarket Signature	1.65% + $0.07
Visa CPS SmallTicket Supermarket-Sign	1.65% + $0.07
Visa CPS Supermarket Infinite Spend Not Qualified	1.65% + $0.07
Visa CPS SmallTicket Supermarket-Infinite Spnd Not Qual	1.65% + $0.07

Table 3 – New Fee Names Visa Small Ticket Updated Interchange Rates

New Fee Name	Rate
Visa CPS Small Ticket Signature MIN	$0.04
Visa CPS Small Ticket Signature	2.20%
Visa CPS Small Ticket Infinite SNQ MIN	$0.04
Visa CPS Small Ticket Infinite SNQ	2.20%

Table 4 – New Fee Names Visa Telecommunications & Cable Updated Interchange Rates

New Fee Name	Rate
Visa CPS Tele/Cable Trad Rewards Sign	1.43% + $0.05
Visa CPS Tele/Cable Infinite SNQ	1.43% + $0.05
Visa CPS Tele/Cable Inf SNQ Non-Token CNP	1.53% + $0.05

Table 5 – New Fee Names Visa Insurance Updated Interchange Rates

New Fee Name	Rate
Visa CPS Insurance Signature	1.43% + $0.05
Visa CPS Insurance Infinite SNQ	1.43% + $0.05
Visa CPS Insurance Signature Non-Token CNP	1.53% + $0.05
Visa CPS Insurance Infinite SNQ Non-Token CNP	1.53% + $0.05

Table 6 – New Fee Names Visa Services Updated Interchange Rates

New Fee Name	Rate
Visa CPS Services Signature	1.85% + $0.10
Visa CPS Services Infinite SNQ	1.85% + $0.10
Visa CPS Services Signature Non-Token CNP	1.95% + $0.10
Visa CPS Services Infinite SNQ Non-Token CNP	1.95% + $0.10

Table 7 – New Fee Names Visa Education Updated Interchange Rates

New Fee Name	Rate
Visa CPS Education Signature	1.43% + $0.05
Visa CPS Education Infinite SNQ	1.43% + $0.05
Visa CPS Education Signature Non-Token CNP	1.53% + $0.05
Visa CPS Education Infinite SNQ Non-Token CNP	1.53% + $0.05

Table 8 – New Fee Names Visa Healthcare Updated Interchange Rates

New Fee Name	Rate
Visa CPS Healthcare Signature	1.43% + $0.05
Visa CPS Healthcare Infinite SNQ	1.43% + $0.05
Visa CPS Healthcare Signature Non-Token CNP	1.53% + $0.05
Visa CPS Healthcare Infinite SNQ Non-Token CNP	1.53% + $0.05

Table 9 – New Fee Names Visa Real Estate Updated Interchange Rates

New Fee Name	Rate
Visa CPS Real Estate Signature	1.43% + $0.05
Visa CPS Real Estate Infinite SNQ	1.43% + $0.05
Visa CPS Real Estate Signature Non-Token CNP	1.53% + $0.05
Visa CPS Real Estate Infinite SNQ Non-Token CNP	1.53% + $0.05

Table 10 – New Fee Names Visa Advertising Updated Interchange Rates

New Fee Name	Rate
Visa CPS Advertising Signature	1.75% + $0.10
Visa CPS Advertising Infinite SNQ	1.75% + $0.10
Visa CPS Advertising Signature Non-Token CNP	1.85% + $0.10
Visa CPS Advertising Infinite SNQ Non-Token CNP	1.85% + $0.10

Table 11 – New Fee Names Visa Taxi Updated Interchange Rates

New Fee Name	Rate
Visa CPS CNP Taxi Signature / Preferred MIN	$0.08
Visa CPS CNP Taxi Signature / Preferred	2.70%
Visa CPS CNP Taxi Infinite SNQ MIN	$0.08
Visa CPS CNP Taxi Infinite SNQ	2.70%
Visa CPS CP Taxi Signature / Preferred MIN	$0.04
Visa CPS CP Taxi Signature / Preferred	2.60%
Visa CPS CP Taxi Infinite SNQ MIN	$0.04
Visa CPS CP Taxi Infinite SNQ	2.60%

Table 12 – New Fee Names Visa Restaurant Updated Interchange Rates

New Fee Name	Rate
Visa CPS CNP Restaurant Signature / Preferred MIN	$0.08
Visa CPS CNP Restaurant Signature / Preferred	2.70%
Visa CPS CNP Restaurant Infinite SNQ MIN	$0.08
Visa CPS CNP Restaurant Infinite SNQ	2.70%
Visa CPS CP Restaurant Signature / Preferred MIN	$0.04
Visa CPS CP Restaurant Signature / Preferred	2.60%
Visa CPS CP Restaurant Infinite SNQ MIN	$0.04
Visa CPS CP Restaurant Infinite SNQ	2.60%

Table 13 – New Fee Names Visa Small Merchant Product 1 and 2 Updated Interchange Rates

New Fee Name	Rate
Visa CPS Small Merchant Product 1 Signature CNP	1.73% + $0.10
Visa CPS Small Merchant Product 1 Infinite SNQ CNP	1.73% + $0.10
Visa CPS Small Merchant Product 2 Signature CP	1.43% + $0.10
Visa CPS Small Merchant Product 2 Infinite SNQ CP	1.43% + $0.10

Table 14 – New Rates and Fee Names Visa Performance Threshold Supermarket Tier 0 and Tier 1 Updated Interchange Rates

New Fee Name	Current Rate	New Rate
Visa Supermarket Tier 0 Traditional/Traditional Rewards	1.15% + $0.05	1.18% + $0.05
Visa Supermarket Tier 0 Signature/Infinite SNQ	1.40% + $0.05	1.55% + $0.05
Visa Supermarket Tier 0 Signature Pref/Infinite SQ	1.40% + $0.05	1.65% + $0.05
Visa Supermarket Tier 1 Traditional/Traditional Rewards	1.15% + $0.05	1.20% + $0.05
Visa Supermarket Tier 1 Signature/Infinite Spnd Not Qual	1.50% + $0.05	1.55% + $0.05
Visa Supermarket Tier 1 - Signature Pref/Infinite Spnd Qual	1.55% + $0.05	1.65% + $0.05

Table 15 – New Rates and Fee Names Visa Travel Updated Interchange Rates

New Fee Name	Current Rate	New Rate
Visa CPS Travel Signature	2.25% + $0.10	2.25% + $0.10
Visa CPS Travel Infinite SNQ	2.25% + $0.10	2.25% + $0.10
Visa CPS Travel Infinite SQ	2.40% + $0.10	2.55% + $0.10

Table 16 – New Rates and Fee Names Visa Product 1 and 2 Updated Interchange Rates

New Fee Name	Current Rate	New Rate
Visa CPS Product 2 Signature CP	1.65% + $0.10	No change
Visa CPS Product 2 Infinite SNQ CP	1.65% + $0.10	1.90% + $0.10
Visa CPS Product 2 Infinite SQ CP	2.10% + $0.10	2.30% + $0.10
Visa CPS Product 1 Signature CNP	2.05% + $0.10	2.05% + $0.10
Visa CPS Product 1 Infinite SNQ CNP	2.05% + $0.10	2.20% + $0.10
Visa CPS Product 1 Infinite SQ CNP	2.50% + $0.10	2.60% + $0.10
Visa CPS Product 1 Signature Token CNP	1.95% + $0.10	1.95% + $0.10
Visa CPS Product 1 Infinite SNQ Token CNP	1.95% + $0.10	2.10% + $0.10
Visa CPS Product 1 Infinite SQ Token CNP	2.40% + $0.10	2.50% + $0.10

Table 17 – New Rates and Fee Names Visa Performance Threshold Retail Tier 1, 2, and 3 Updated Interchange Rates

New Fee Name	Current Rate	New Rate
Visa CPS Retail Tier 1 Signature	1.65% + $0.10	1.65% + $0.10
Visa CPS Retail Tier 1 Infinite SpndNtQual	1.65% + $0.10	1.90% + $0.10
Visa CPS Retail Tier 1 SignaturePref	2.10% + $0.10	2.10% + $0.10
Visa CPS Retail Tier 1 Infinite SpndQual	2.10% + $0.10	2.30% + $0.10
Visa CPS Retail Tier 2 Signature	1.65% + $0.10	1.65% + $0.10
Visa CPS Retail Tier 2 Infinite SpndNtQual	1.65% + $0.10	1.90% + $0.10
Visa CPS Retail Tier 2 SignaturePref	2.10% + $0.10	2.10% + $0.10
Visa CPS Retail Tier 2 Infinite SpndQual	2.10% + $0.10	2.30% + $0.10
Visa CPS Retail Tier 3 Signature	1.65% + $0.10	1.65% + $0.10
Visa CPS Retail Tier 3 Infinite SpndNtQual	1.65% + $0.10	1.90% + $0.10
Visa CPS Retail Tier 3 SignaturePref	2.10% + $0.10	2.10% + $0.10
Visa CPS Retail Tier 3 Infinite SpndQual	2.10% + $0.10	2.30% + $0.10

_{P2023.0599; P2023.0600; P2023.1081; P2023.1081a; P2023.1081b}

_{Published September 15, 2023}

NEW

Visa Unmatched Clearing Fee

The Visa Zero Floor Limit Fee has been renamed to the Visa Unmatched Clearing Fee. This will be reflected on your next billing statement.

_PBI23.0005

_{Published September 15, 2023}

October 2023 – New Small Merchant Interchange Programs for Consumer Credit Transactions

Effective October 13, 2023, Visa will introduce new small merchant fee programs and rates as shown in the below tables. The fee programs will apply to Visa consumer credit transactions that meet card-not-present (CNP) and card-present (CP) custom payment service (CPS) qualifications from the following eligible small merchant segments¹:

Restaurant
Taxi
Real estate, education, and healthcare
Advertising and insurance
Services
Telecommunications and cable

Table 1 – New Visa Small Merchant Interchange Rate and Fee Program for Restaurant

Fee Name	Rate
VI CPS Small Merchant Restaurant Traditional / Rewards	2.10%
VI CPS Small Merchant Restaurant Traditional / Rewards -Min	$0.04
VI CPS Small Merchant Restaurant Signature / Preferred	2.60%
VI CPS Small Merchant Restaurant Signature / Preferred - Min	$0.04
VI CPS Small Merchant Restaurant Infinite SNQ	2.60%
VI CPS Small Merchant Restaurant Infinite SNQ - Min	$0.04
VI CPS Small Merchant Restaurant Infinite SQ	2.60%
VI CPS Small Merchant Restaurant Infinite SQ - Min	$0.04

Table 2 – New Visa Small Merchant Interchange Rate and Fee Program for Taxi

Fee Name	Rate
VI CPS Small Merchant Taxi Traditional / Rewards	2.10%
VI CPS Small Merchant Taxi Traditional / Rewards -Min	$0.04
VI CPS Small Merchant Taxi Signature / Preferred	2.60%
VI CPS Small Merchant Taxi Signature / Preferred - Min	$0.04
VI CPS Small Merchant Taxi Infinite SNQ	2.60%
VI CPS Small Merchant Taxi Infinite SNQ - Min	$0.04
VI CPS Small Merchant Taxi Infinite SQ	2.60%
VI CPS Small Merchant Taxi Infinite SQ - Min	$0.04

Table 3 – New Visa Small Merchant Interchange Rate and Fee Program for Real Estate

Fee Name	Rate
VI CPS Small Merchant Real State Trad / Rewards / Signature	1.43% + $0.05
VI CPS Small Merchant Real State Signature Preferred	2.15% + $0.10
VI CPS Small Merchant Real State Infinite SNQ	1.43% + $0.05
VI CPS Small Merchant Real State Infinite SQ	2.15% + $0.10

Table 4 – New Visa Small Merchant Interchange Rate and Fee Program for Education

Fee Name	Rate
VI CPS Small Merchant Education Trad / Rewards / Signature	1.43% + $0.05
VI CPS Small Merchant Education Signature Preferred	2.15% + $0.10
VI CPS Small Merchant Education Infinite SNQ	1.43% + $0.05
VI CPS Small Merchant Education Infinite SQ	2.15% + $0.10

Table 5 – New Visa Small Merchant Interchange Rate and Fee Program for Healthcare

Fee Name	Rate
VI CPS Small Merchant Healthcare Trad / Rewards / Signature	1.43% + $0.05
VI CPS Small Merchant Healthcare Signature / Preferred	2.30% + $0.10
VI CPS Small Merchant Healthcare Infinite SNQ	1.43% + $0.05
VI CPS Small Merchant Healthcare Infinite SQ	2.30% + $0.10

Table 6 – New Visa Small Merchant Interchange Rate and Fee Program for Advertising

Fee Name	Rate
VI CPS Small Merchant Advertising Traditional	1.55% + $0.10
VI CPS Small Merchant Advertising Traditional Rewards	1.70% + $0.10
VI CPS Small Merchant Advertising Signature	1.75% + $0.10
VI CPS Small Merchant Advertising Signature Preferred	2.30% + $0.10
VI CPS Small Merchant Advertising Infinite SNQ	1.75% + $0.10
VI CPS Small Merchant Advertising Infinite SQ	2.30% + $0.10

Table 7 – New Visa Small Merchant Interchange Rate and Fee Program for Insurance

Fee Name	Rate
VI CPS Small Merchant Insurance Trad / Rewards / Signature	1.43% + $0.05
VI CPS Small Merchant Insurance Signature Preferred	2.25% +$0.10
VI CPS Small Merchant Insurance Infinite SNQ	1.43% +$0.05
VI CPS Small Merchant Insurance Infinite SQ	2.25% + $0.10

Table 8 – New Visa Small Merchant Interchange Rate and Fee Program for Services

Fee Name	Rate
VI CPS Small Merchant Services Traditional	1.55% +$0.10
VI CPS Small Merchant Services Traditional Rewards	1.70% +$0.10
VI CPS Small Merchant Services Signature	1.85% +$0.10
VI CPS Small Merchant Services Signature Preferred	2.30% +$0.10
VI CPS Small Merchant Services Infinite SNQ	1.85% +$0.10
VI CPS Small Merchant Services Infinite SQ	2.30% + $0.10

Table 9 – New Visa Small Merchant Interchange Rate and Fee Program for Telecommunications and Cable

Fee Name	Rate
VI CPS Small Merchant Telecomm/Cable Trad / Rewards / Sign	1.43% + 0.05
VI CPS Small Merchant Telecomm/Cable Signature Preferred	2.20% + 0.05
VI CPS Small Merchant Telecomm/Cable Infinite SNQ	1.43% + 0.05
VI CPS Small Merchant Telecomm/Cable Infinite SQ	2.20% + $0.05

_{1. These merchant segments will no longer qualify for existing CNP token programs. Instead, the above new small merchant fee programs will apply.}

_P2023.0595

_{Published August 15, 2023}

October 2023 – Digital Commerce Services Fee Will Be Introduced in the U.S.

Effective October 1, 2023, Visa will introduce a Digital Commerce Services fee of 0.0075% on all card-not-present (CNP) settled transactions, with a minimum of $0.0075 per transaction.

The introduction of this fee will include access to the services listed below to support CNP transactions. Visa will no longer bill for these services in the U.S. on CNP transactions.

Address Verification Service (AVS)
Card Verification Value 2 (CVV2) Verification

_P2023.1083

_{Published August 15, 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 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.

_P2023.0527

_{Published July 14, 2023}

October 2023 – Interregional Interchange Fee Program Updates

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

Electronic
Acquirer Chip
Issuer Chip
Electronic Commerce Merchant
Secure Electronic Commerce

Table 1 – Visa Interregional Base Fee Programs¹

Current Fee Name	New Fee Name	Current Rate	New Rate
Visa Interregional Super Premium Rate	Visa Interregional Super Premium Card-Present	1.97%	1.98%
Visa Interregional Premium Card	Visa Interregional Premium Card-Present	1.80%	1.85%
-	Visa Interregional Non-Premium Card-Present	-	1.10%
Visa Interregional Business & Visa Signature Business Card	Visa Interregional Business Card-Present	2.00%	2.00%
Visa Interregional Corporate Card	Visa Interregional Corporate Card-Present	2.00%	2.00%
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, Products

Fee Program	Current Rate	New Rate
Visa Interregional Super Premium Card-Not-Present	1.97%	1.98%
Visa Interregional Premium Card-Not-Present	1.80%	1.85%
Visa Interregional Non-Premium Card-Not-Present	-	1.60%
Visa Interregional Business Card-Not-Present	2.00%	2.00%
Visa Interregional Corporate Card-Not-Present	2.00%	2.00%
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, Transactions

Fee Program	Rate
Visa Interregional Super Premium Downgrade	2.03%
Visa Interregional Premium Downgrade	1.90%
Visa Interregional Non-Premium Downgrade	1.65%
Visa Interregional Business Downgrade	2.05%
Visa Interregional Corporate Downgrade	2.05%
Visa Interregional Purchasing Downgrade	2.05%

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

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

Table 5 – Visa Updated Interregional Standard Fee Program³

Current Fee Name	New Fee Name
Visa Interregional Standard	Visa 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 July 14, 2023}

UPDATED

August 2023 – New Digital Account Updater Fee

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

Starting May 1, 2023, Visa will charge a Visa Digital Credential Updater Fee (VDCU Cred Update Fee) of $0.12 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.

_P2023.1486

_P2023.0269

_P2022.0865a

_{Updated September 15, 2023}

_{Updated May 15, 2023}

_{Published March 15, 2023}

April 2023 – Magnetic-stripe Data (MSD) Contactless Fee

Update: Visa’s MSD Contactless Fee does not apply to MCC 6010 (ATM Cash Withdrawal) and 6011 (Manual Cash Disbursement). Additionally, MCC 5541 (Service Stations) and 5542 (Automated Fuel Dispensers) will not be assessed this fee until January 1, 2024.

On April 1, 2023, Visa will implement a $0.10 MSD Contactless fee for each POS Entry Mode 91 on both sales and refund transactions.

_P2023.0328

_{Updated May 15, 2023

Published February 15, 2023}

Argentine Peso Transactions Blocked

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

_P2023.0143

_{Published April 14, 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 April 17 to April 15, 2023.

Starting April 17, 2023, Visa will assess an Estimated Authorization Fee and an Incremental Authorization Fee as shown in the table below. These fees will apply to the following:

Estimated Authorization Request

o Allows you to obtain an approval before a cardholder has identified what goods or services will be purchased

Incremental Authorization Request

o Allows you to increase the total authorized funds if the initial estimated amount is insufficient

Table – Visa Authorization Fees

Fee Name	New Rate
Estimated Authorizations	0.02%
Incremental Authorizations	0.02%

_P2023.0366

_P2022.1170

_{Updated April 12, 2023}

_{Published January 13, 2023}

April 2023 – Updated Limits for Direct Transactions

Effective April 14, 2023, Visa will increase their default maximum transaction amount limits for the Visa Direct domestic and cross-border original credit transactions (OCTs) and account funding transactions (AFTs).

Table – Visa Direct Increased Transaction Limits for OCTs and AFTs

Category	Current Amount Limit	New Amount Limit
Money Transfer	$10,000.00	$50,000.00
Non-money Transfer	$50,000.00	$125,000.00

_{Published March 15, 2023}

April 2023 – Updated Consumer Credit Interchange Rate Names for Visa Signature and Visa Infinite Products

On April 14, 2023, the Visa Signature and Visa Infinite fee names will be updated as follows. Rates remain the same.

Table 1 – Visa Supermarket Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS Supermarket Retail SigPreferred	2.00% + $0.07
Visa CPS Sm Ticket Supermarket Retail SigPref	2.00% + $0.07
Visa CPS Supermarket Retail Infinite Spend Qual	2.00% + $0.07
Visa CPS Sm Ticket Supermarket Retail Inf SpendQual	2.00% + $0.07

Table 2 – Visa Small Ticket Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS Small Ticket Signature Preferred MIN	$0.04
Visa CPS Small Ticket Signature Preferred	2.20%
Visa CPS Small Ticket Infinite SQ MIN	$0.04
Visa CPS Small Ticket Infinite SQ	2.20%

Table 3 – Visa Telecommunications & Cable Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS Tele/Cable Signature Pref	2.20% + $0.05
Visa CPS Tele/Cable Infinite SQ	2.20% + $0.05
Visa CPS Tele/Cable Signature Pref Non-Token CNP	2.30% + $0.05
Visa CPS Tele/Cable Infinite SQ Non-Token CNP	2.30% + $0.05

Table 4 – Visa Insurance Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS Insurance Signature Pref	2.25% + $0.10
Visa CPS Insurance Infinite SQ	2.25% + $0.10
Visa CPS Insurance Signature Pref Non-Token CNP	2.35% + $0.10
Visa CPS Insurance Infinite SQ Non-Token CNP	2.35% + $0.10

Table 5 – Visa Services Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS Services Signature Pref	2.30% + $0.10
Visa CPS Services Infinite SQ	2.30% + $0.10
Visa CPS Services Signature Pref Non-Token CNP	2.40% + $0.10
Visa CPS Services Infinite SQ Non-Token CNP	2.40% + $0.10

Table 6 – Visa Education Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS Education Signature Pref	2.15% + $0.10
Visa CPS Education Infinite SQ	2.15% + $0.10
Visa CPS Education Signature Pref Non-Token CNP	2.25% + $0.10
Visa CPS Education Infinite SQ Non-Token CNP	2.25% + $0.10

Table 7 – Healthcare Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS Healthcare Signature Pref	2.30% + $0.10
Visa CPS Healthcare Infinite SQ	2.30% + $0.10
Visa CPS Healthcare Signature Pre Non-Token CNP	2.40% + $0.10
Visa CPS Healthcare Infinite SQ Non-Token CNP	2.40% + $0.10

Table 8 – Visa Real Estate Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS Real Estate Signature Pref	2.15% + $0.10
Visa CPS Real Estate Infinite SQ	2.15% + $0.10
Visa CPS Real Estate SigPref Non-Token CNP	2.25% + $0.10
Visa CPS Real Estate Infinite SQ Non-Token CNP	2.25% + $0.10

Table 9 – Visa Advertising Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS Advertising Signature Pref	2.30% + $0.10
Visa CPS Advertising Infinite SQ	2.30% + $0.10
Visa CPS Advertising Sig Pref Non-Token CNP	2.40% + $0.10
Visa CPS Advertising Infinite SQ Non-Token CNP	2.40% + $0.10

Table 10 – Visa Travel Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS Travel Signature Pref	2.40% + $0.10
Visa CPS Travel Infinite SQ	2.40% + $0.10

Table 11 – Visa Taxi Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS CNP Taxi Infinite SQ MIN	$0.08
Visa CPS CNP Taxi Infinite SQ	2.70%
Visa CPS CP Taxi Infinite SQ MIN	$0.04
Visa CPS CP Taxi Infinite SQ	2.60%

Table 12 – Visa Restaurant Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS CNP Restaurant Infinite SQ MIN	$0.08
Visa CPS CNP Restaurant Infinite SQ	2.70%
Visa CPS CP Restaurant Infinite SQ MIN	$0.04
Visa CPS CP Restaurant Infinite SQ	2.60%

Table 13 – Visa Product Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS Product 1 Signature Pref CNP	2.50% + $0.10
Visa CPS Product 1 Infinite SQ CNP	2.50% + $0.10
Visa CPS Product 1 Signature Pref Token CNP	2.40% + $0.10
Visa CPS Product 1 Infinite SQ Token CNP	2.40% + $0.10
Visa CPS Product 2 SignaturePreferred CP	2.10% + $0.10
Visa CPS Product 2 Infinite SQ CP	2.10% + $0.10

Table 14 – Visa Small Merchant Product Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS Small Merchant Product 1 SigPref CNP	2.18% + $0.10
Visa CPS Small Merchant Product 1 Infinite SQ CNP	2.18% + $0.10
Visa CPS Small Merchant Product 2 SignPref CP	1.88% + $0.10
Visa CPS Small Merchant Product 2 Infinite SQ CP	1.88% + $0.10

_{Published February 15, 2023}

April 2023 – Flexible Credential Launches in the United Kingdom

On April 15, 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 Visa Interregional Premium Card Fee of 1.80% will apply when this card is processed.

_{Published February 15, 2023}

April 2023 – New CVV2 Fee

On April 1, 2023, Visa will introduce a $0.0025 CVV2 fee for every CVV2 result that receives a M (Match) or N (No Match). The CVV2 fee will not apply to:

Zero amount account verification messages
Successful 3DS verifications
Verification results not received by the bank due to an error
Returned values that are not M or N

_{Published February 15, 2023}

April 2023 – Updates to GSA Corporate T&E Healthcare-Related Credit Card Transactions

Effective April 14, 2023, Visa will no longer consider the merchant category codes (MCCs) in Table 1 eligible for the Visa U.S. General Services Administration (GSA) Corporate T&E Level 2 and Level 3 interchange fee programs in Table 2. Instead, these MCCs will qualify for the appropriate card-present and card-not-present interchange fee programs shown in Table 3.

Table 1 – MCCs Ineligible for GSA Corporate Credit Level 2 and Level 3 Fee Programs¹

MCC	Merchant Category Description
8011	Doctors and Physicians (not elsewhere classified)
8021	Dentists and Orthodontists
8031	Osteopaths
8041	Chiropractors
8042	Optometrists and Ophthalmologists
8043	Opticians, Optical Goods, and Eyeglasses
8049	Podiatrists and Chiropodists
8050	Nursing, Home Healthcare and Personal Care Facilities
8062	Hospitals
8071	Medical and Dental Laboratories

Table 2 – Current Applicable Fee programs

Fee Name	Rate
Visa Corporate Non-T&E Level 3	1.90% + $0.10
Visa Commercial Card - Level 2	2.50% + $0.10

Table 3 – New Applicable Fee Programs

Fee Name	Rate
Visa Corporate Card - Card Not Present	2.70% + $0.10
Visa Corporate Card - Card Present	2.50% + $0.10

_{1. In addition to non-travel service MCCs.}

_{Published January 13, 2023}

January 2023 – Updates to the Interregional Acquiring Fee

Starting January 20, 2023, we are updating the service codes for the Visa interregional acquiring fee as shown in the table below. Rates remain the same.

Table – Visa Interregional Acquiring Fee

Fee Description	Current Service Code	New Service Code	Current Rate
VI Interregional IAF fee ST	BK143	BK243	0.45%
VI Interregional IAF fee HR	BK146	BK246	0.90%

_{Published January 13, 2023}

January 2023 – Flexible Credential Prepaid and Debit Consumer Product

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

On January 20, 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 rate will apply as shown in the below table.

Table – Visa Interregional Rate for Visa Flexible Credential Purchases

Fee Name

Current Rate

(No Change)

Visa Interregional Premium Card

1.80%

_{Updated March 15, 2023

Published December 12, 2022}

October 2022 – New Flexible Rate B2B Virtual Program Products

On 14 October 2022, Visa will introduce a new B2B Virtual Program with flexible interchange rates as shown in Table 1. Any merchant with a bilateral agreement with their card issuing bank can qualify for these new rates; otherwise, existing interregional interchange rates will apply.

This will include credit, deferred debit, and prepaid options with transaction amounts outlined in Table 2.

Table 1 – Visa B2B Virtual Program Flexible Rates

Fee Name	Rate
Visa Flexible Rate B2B Virtual Payments-Program 1	0.80%
Visa Flexible Rate B2B Virtual Payments-Program 2	1.00%
Visa Flexible Rate B2B Virtual Payments-Program 3	1.20%
Visa Flexible Rate B2B Virtual Payments-Program 4	1.40%
Visa Flexible Rate B2B Virtual Payments-Program 5	1.60%
Visa Flexible Rate B2B Virtual Payments-Program 6	1.80%
Visa Flexible Rate B2B Virtual Payments-Program 7	2.00%
Visa Flexible Rate B2B Virtual Payments-Program 8	0.90%
Visa Flexible Rate B2B Virtual Payments-Program 9	1.10%
Visa Flexible Rate B2B Virtual Payments-Program 10	1.30%
Visa Flexible Rate B2B Virtual Payments-Program 11	1.50%
Visa Flexible Rate B2B Virtual Payments-Program 12	1.70%
Visa Flexible Rate B2B Virtual Payments-Program 13	1.90%

Table 2 – Visa B2B Virtual Program Flexible Rate Transaction Amount

Transaction Type	Transaction Amount
Credit or Deferred Debit	Below $750,000.00
Prepaid (purchase or credit voucher)	Below $500,000.00

_{Published September 27, 2022}

October 2022 – B2B Virtual Payments Program Changes

Update: Merchant category code 7996 (amusement parks, circuses, carnivals, and fortune tellers) will be eligible for B2B virtual payments transactions starting January 20, 2023.

On October 14, 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 will also apply new program interchange rate 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 January 20, 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 January 13, 2023}

_{Published September 27, 2022}

October 2022 – New Non-Domestic Currency Settlement Fee

Update: Fee name was updated from “VI Non-Dom CCY Stlmnt Fee” to “Visa Non-Dom Currency Settlement Volume Fee.”

On October 14, 2022, Visa will introduce a non-domestic currency settlement fee for cross-border transactions that are settled in a currency that is different than the merchant’s local currency. Cross-border transactions refer to scenarios when the merchant country is different from the country where the card was issued.

Table 1 – Visa Non-Domestic Currency Settlement Fee

Fee Name	Rate
Visa Non-Dom Currency Settlement Volume Fee	0.10%

Table 2 – Cross-border Fee Scenarios

Jurisdiction	Merchant Country	Card-Issuing Country	Settlement Currency	Fee Applied
Cross-border	United States	Anywhere outside the United States	Any currency that is not the USD	Yes
Domestic	United States	United States	USD	No

_{Updated September 27, 2022}

_{Published July 27, 2022}

May 2022 – Updated Transaction and Authorization Limits and Fraud Liability for AFD Transactions

On May 21, 2022, Visa is updating the following for automated fuel dispenser (AFD) transactions with a merchant category code (MCC) of 5542:

Increasing the maximum transaction amount limit for transactions qualifying for custom payment service (CPS) across all Visa credit, debit, and prepaid products. This change will ensure the best available interchange rates are received for larger fuel transactions that results to fewer pumps shutting off while cardholders are refueling

Increasing the authorization limit for AFD $1 status checks at EMV-enabled terminals for non-Fleet card transactions, regardless of the country where the card was issued or how the card was read. Other authorization limits remain the same, such as $100 for non-Fleet cards at non-EMV enabled AFDs, $150 for magnetic stripe-read Fleet cards, and $350 for chip-read Fleet cards

Table – Visa AFD Limit Updates

AFD Amount Limit	Effective Date	Current Amount Limit	New Amount Limit
Transaction Amount Limit for CPS	May 21, 2022	$125	$500
Authorization Limit for $1 status check for EMV-enabled terminals for non-Fleet transactions	May 22, 2022	$125	$175

Additionally, liability for lost or stolen fraud for all online-authorized transactions at U.S. enabled AFDs will transfer to the card issuer effective May 22, 2022. This transfer of liability aligns fraud protections for AFD transactions with the current Visa rules for all attended card-present transactions.

_{Updated November 3, 2022

Published April 14, 2022}

NEW

November 2023 - Excessive Authorization Attempts TPE Program Update

Update: On November 1, 2023, Mastercard will add a threshold of 35 declined attempts on the same account number, at the same card acceptor, and for the same amount within a 30-day rolling period. Unique declines within a 24-hour period count towards the 30-day period threshold. All else remains the same.

On October 1, 2022, Mastercard will reduce the Excessive Authorization Attempts TPE program threshold of declined attempts from 20¹ to 10¹. The program assesses a weekly fee for each authorization that goes over the limit. The weekly rate will increase on the dates indicated below:

Table – Mastercard Excessive Authorization Attempts TPE program Rate Increase

Effective Date for Rate Change	Effective Date for First Billing	Current Rate	New Rate
January 1, 2023	March 2023	$0.10 per transaction over the threshold	$0.15 per transaction over the threshold

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

_P2023.0746

_{Updated September 15, 2023}

_{Updated November 3, 2022}

_{Published July 13, 2022}

October 2023 – New Preauthorization Fee

Effective October 8, 2023, Mastercard will charge a fee on approved credit card preauthorizations, as shown below.

Table – Mastercard Preauthorization Fee

Fee Name	New Rate
Card Present Preauthorization	0.0075% minimum of $0.01
Card-Not-Present Preauthorization	0.0125% minimum of $0.01

These fees will not apply to

Automated Fuel Dispenser – MCC 5542
Debit, private label, nor non-Mastercard products
Mastercard Transit Aggregated or Transit Debit Recovery transactions

_P2023.0758

_{Published August 18, 2023}

July 2023 – New Authorization Optimizer Fee for CNP Transactions

Update: Mastercard moved the effective date of the Authorization Optimizer Power by AI Fee from July 3 to October 9, 2023. Please see the updated conditions for this fee in the bulleted list.

Effective July 3, 2023, Mastercard will begin assessing a new authorization optimizer service fee (Auth Optimizer Power by AI Fee) of $0.02. For this service, Mastercard is leveraging their network visibility and artificial intelligence to provide you with insights on how and when to resubmit authorization requests for a successful approval.

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

Transaction is recurring
Mastercard decline reason code is equal to 51 (Insufficient Funds)
Mastercard-provided Merchant Advice Code (MAC) is equal to 24 to 30, as shown in the below table

Table – Mastercard Existing Payment Advice Codes

Merchant Advice Code	Description
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

_P2022.1534

_{Updated June 14, 2023

Published April 14, 2023}

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

Update: On October 13, 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 Rate for Credit Transactions

Fee Name	Rate
MC B2B Product 7 - MTA	2.00%
MC B2B Product 8 - MTB	1.90%
MC B2B Product 9 - MTC	1.80%
MC B2B Product 10 - MTD	1.70%
MC B2B Product 11 - MTE	1.60%
MC B2B Product 12 - MTF	1.50%
MC B2B Product 13 - MTG	1.40%
MC B2B Product 14 - MTH	1.30%
MC B2B Product 15 - MTI	1.20%
MC B2B Product 16 - MTJ	1.10%
MC B2B Product 17 - MTK	1.00%

_{P2023.0203

P2023.0090}

_{Updated June 14, 2023

Published April 14, 2023}

April 2023 – Network Access and Brand Usage Fee

On April 10, 2023, Mastercard will start charging the Network Access and Brand Usage (NABU) fee of $0.0195 for all authorization response codes. Prior to this change, the Mastercard NABU fee only applied to select authorization response codes. The fee will remain the same.

_{Published March 15, 2023}

October 2022 – Revised Excessive Authorization Attempts Transaction Processing Excellence (TPE) Program

Update: We are moving the first billing date of this fee from February 2023 to March 2023.

Table 1 – Mastercard Excessive Authorization Attempts TPE program Rate Increase

Effective Date for Rate Change	Effective Date for First Billing	Current Rate	New Rate
January 1, 2023	March 2023	$0.10 per transaction over the threshold	$0.15 per transaction over the threshold

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

_{Updated November 3, 2022}

_{Published July 13, 2022}

April 2022 – Digital Enablement Fee Expansion

Update: Mastercard has defined the authorization activities for DEF listed in the bullet points below.

Starting April 11, 2022, Mastercard will update the billing structure of the Digital Enablement Fee (DEF) by expanding the fee to card-not-present authorizations, increasing the overall rate, enforcing a minimum assessment, and introducing a maximum assessment. Please refer to the updated DEF rates and applicable transaction amounts in Table 1.

Due to this expansion, several fees will be reduced to $0, effective April 11, 2022, as shown in Table 2.

The DEF applies in the following card-not-present authorization activities:

Authorizations on sales and refunds as well as returns
Authorization reversals
Account verifications (zero dollar account status checks)

Table 1 – Mastercard DEF Rates

Fee Name	Transaction Amount	Rate
MC Digital Enablement MIN	Less than or equal to $99.99	$0.02
MC Digital Enablement	$100 - $999.99	0.02%
MC Digital Enablement MAX	More than or equal to $1,000	$0.20

Table 2 – Reduced Fees due to DEF Expansion

Fee Name	Current Fee	New Fee
MC AVS Card Not Present Fee	$0.01	$0
MasterCard CVC2 Fee	$0.0025	$0
MC ASI Intraregional	$0.025	$0
MC ASI Interregional	$0.030	$0
MC ID Check 3DS2 Trans Fee	0.01%	$0
MC ID Check 3DS2 Trans Max	$0.10	$0
MC Digi Enablement/CNP Fee	0.01%	$0

_{Updated December 12, 2022}

_{Published March 22, 2022}

April 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.

On April 22, 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	Fee Rate
Decline Reason Code Service (DRCS) Fee	0.02 USD

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

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

You can take the following actions as best practices when you receive the MACs shown in the table below.

Table 2 – DRCS Suggested Merchant Actions

Auth Response Code	Merchant Advice Code	Suggested Merchant Action
79 or 82	01	Updated information was found in the Mastercard Automatic Billing Updater (ABU) database. Check for new information before reattempting.
79 or 82	03	Updated credentials are not found to be available in the Mastercard ABU database. Do not retry.
83	01	Authentication may improve the likelihood of an approval. Retry using authentication (such as EMV 3DS).
83	03	Suspected fraud. Do not retry.

_{1. Including, but not limited to, account verification transactions and refund authorizations}

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

	_{Updated June 14, 2023}
_P2021.1165	_{Published January 20, 2022}

October 2022 – OptBlue Credit and Debit Program Pricing

On October 14, 2022, American Express OptBlue will update its pricing and program guidelines for credit and debit card products as follows:

Changes to the pricing for Tier 1, 2, and 3 for Industry Categories: Education and Government (Tables 1 and 2)
Addition of new Industry Categories: Charity, Insurance, Residential Rent, and Utilities (Tables 3 to 7)
Updates of MCC Industry Categories (Table 8)

Table 1 – Education Credit Pricing Updates

Interchange Name	Transaction Criteria	New Rate
AmEx Education - Tier 1	≤ $100.00	1.10% + $0.10
AmEx Education - Tier 2	$100.01 - $3,000.00	1.45% + $0.10
AmEx Education - Tier 3	> $3,000.00	1.70% + $0.10

Table 2 – Government Credit Pricing Updates

Interchange Name	Transaction Criteria	New Rate
AmEx Government - Tier 1	≤ $100.00	1.40% + $0.10
AmEx Government - Tier 2	$100.01 - $3,000.00	1.55% + $0.10
AmEx Government - Tier 2	> $3,000.00	1.75% + $0.10

Table 3 – Charity Credit and Debit Pricing

Interchange Name	Transaction Criteria	Rate
AmEx Charity – Micro Tkt	≤ $5.00	2.00% + $0.02
AmEx Charity – Small Tkt	$5.01 - $15.00	1.60% + $0.04
AmEx Charity - Tier 1	> $15.00	2.00% + $0.10
AmEx Charity - Consumer Debit	-	0.79% + $0.15
AmEx Charity - Small Business Debit	-	1.99% + $0.10

Table 4 – Insurance Credit and Debit Pricing

Interchange Name	Transaction Criteria	Rate
AmEx Insurance - Tier 1	≤ $1,200.00	1.25% + $0.10
AmEx Insurance - Tier 2	$1,200.01 - $4,000.00	1.85% + $0.10
AmEx Insurance - Tier 3	> $4,000.00	2.50% + $0.10
AmEx Insurance - Consumer Debit	-	0.79% + $0.15
AmEx Insurance - Small Business Debit	-	1.99% + $0.10

Table 5 – Residential Rent Credit Pricing

Interchange Name	Transaction Criteria	Rate
AmEx Residential Rent - Tier 1	≤ $150.00	1.40% + $0.10
AmEx Residential Rent - Tier 2	$150.01 - $3,000.00	1.75% + $0.10
AmEx Residential Rent - Tier 3	> $3,000.00	1.90% + $0.10
AmEx Residential Rent - Consumer Debit	-	0.79% + $0.15
AmEx Residential Rent - Small Business Debit	-	1.99% + $0.10

Table 6 – Utilities Credit Pricing

Interchange Name	Transaction Criteria	Rate
AmEx Utilities - Tier 1	≤ $1,000.00	0.00% + $0.75
AmEx Utilities - Tier 2	> $1,000.00	1.50% + $0.00
AmEx Utilities - Consumer Debit	-	0.04% + $0.65
AmEx Utilities - Small Business Debit	-	0.09% + $1.45

Table 7 – Consumer and Small Business Regulated Debit

Interchange Name	Rate
Amex Consumer Regulated Debit (All Industries)	0.04% + $0.25
Amex Small Business Regulated Debit (All Industries)	0.04% + $0.25

Table 8 – MCC Industry Category Updates

MCC	Description	Current Industry Category	New Industry Category
4784	Tolls and Bridge Fees	Government	Other
4900	Utilities – Electric, Gas, Water, and Sanitary	Services & Professional Services	Utilities
6300	Insurance Sales, Underwriting, and Premiums	Emerging Markets	Insurance
6513	Real Estate Agents and Managers – Rentals	Services & Professional Services	Residential Rent
8211	Elementary and Secondary Schools	Emerging Markets	Education
8220	Colleges, Universities, Professional Schools, and Junior Colleges	Emerging Markets	Education
8351	Child Care Services	Emerging Markets	Education
8398	Charitable and Social Service Organizations	Emerging Markets	Charity
8661	Religious Organizations	Emerging Markets	Charity
9211	Court Costs, Including Alimony and Child Support	Emerging Markets	Government
9222	Fines	Emerging Markets	Government
9399	Government Services (Not Elsewhere Classified)	Emerging Markets	Government
9223	Bail and Bond Payments (Fee Only)	Government	Other

_{Published September 27, 2022}

October 2022 – OptBlue Program Continuation Fees

On October 14, 2022, American Express OptBlue will introduce the Program Continuation Fee which is an assessment fee that can be charged to merchants meeting all the following conditions:

Enrolled in the Estimated Charge Volume (ECV) Program limit of $1,000,000 or less
Charge volume is greater than $3,000,000 in a rolling 12-month period

Table – Program Continuation Fee

Fee Name	Rate
Program Continuation Fee^*	0.03%

_{* Applies on all American Express charges and does not apply to credits/refunds}

_{Published September 27, 2022}

April 2023 – Updated Interchange Rates and Fees

On April 14, 2023, Discover will update their rates and fees for consumer debit, consumer credit, and commercial prepaid card products as shown in the below tables.

Table 1 – Discover Domestic Interchange Rates and Fees for Consumer Debit and Commercial Prepaid Cards

Fee Name	Current Rate	New Rate
Discover Prime Submission Level Restaurants - Debit	1.14% + $0.15	1.19% + $0.10
Discover Commercial Large Ticket Prepaid	0.90% + $20.00	1.45% + $35.00

Table 2 – Discover Domestic Interchange Rates and Fees for Consumer Credit Card

Fee Name	Current Rate	New Rate
Discover PSL Restaurants Premium Plus	2.40% + $0.10	2.45% + $0.10
Discover Prime Submission Level Restaurants - Rewards	1.95% + $0.10	1.90% + $0.10
Discover Prime Submission Level Supermrkts/Warehouse - Prem	1.60% + $0.10	1.65% + $0.10
Discover PSL Supermarket/ Warehouse Clubs Premium Plus	1.90% + $0.10	2.10% + $0.10
Discover Prime Submission Level Petroleum - Core	1.55% + $0.05	1.80% + $0.05
Discover PSL Retail Premium Plus	2.17% + $0.10	2.25% + $0.10
Discover PSL Card Not Present Premium Plus	2.50% + $0.10	2.55% + $0.10
Discover Prime Submission Level E-commerce - Premium Plus	2.50% + $0.10	2.55% + $0.10
Discover Prime Submission Level E-commerce Secured - PremPlus	2.35% + $0.10	2.40% + $0.10
Discover Key Entry Submission Level - Premium Plus	2.50% + $0.10	2.55% + $0.10

_{Published March 15, 2023}

April 2023 – Revised Program Integrity Fee

On April 14, 2023, Discover will increase their Program Integrity Fee from $0.05 to $0.10. This fee is assessed on certain card sales that are downgraded to, or directly qualify for, the U.S. Consumer or Commercial Base Submission level program for card sales.

_{Published March 15, 2023}

October 2022 – Introduction of Commercial B2B Interchange and Adjustment Voucher Programs

On October 14, 2022, Discover will add new Commercial Business-to-Business (B2B) Interchange Programs for eligible card products as shown in the tables below.

Table 1 – Eligible Card Products

Issuer Identification Number Ranges	Card Product	Eligibility
65430000 – 65430099	Commercial Prepaid – Non-Reloadable	U.S. Commercial B2B 1
65430100 – 65430199	Commercial Credit Cards	U.S. Commercial B2B 2

Table 2 – Discover Commercial B2B Interchange Rates and Fees

Fee Name	Rate	Transaction Fee
U.S. Commercial B2B 1	0.00%	$0.00
U.S. Commercial B2B 2	6.00%	$0.00

Table 3 – Discover Adjustment Voucher Program Rates and Fees

Fee Name	Rate	Transaction Fee
U.S. Commercial Adjustment Voucher Program B2B 1	0.00%	$0.00
U.S. Commercial Adjustment Voucher Program B2B 2	6.00%	$0.00

_{Published September 27, 2022}

October 2022 – New Public Services Interchange Programs

Starting October 14, 2022, Discover will add new interchange programs for public services merchant category codes (MCC) applicable to transactions with card sale amounts more than $200 on consumer exempt debit and prepaid. Transactions with card sale amounts less than or equal to $200 will qualify for the existing interchange fees.

Table – New Public Services (Maximum) Interchange Programs

Fee Name	MCC	Rate
PSL - Public Services (Maximum) (Prepaid)	4784, 9211, 9222, 9223, 9311, 9399, 9405	0.00% + $2.00
PSL - Public Services (Maximum (Debit)	4784, 9211, 9222, 9223, 9311, 9399, 9405	0.00% + $2.00

_{Published September 27, 2022}

April 2022 – New Charity Consumer Interchange Program

Update: Starting October 14, 2022, Discover will remove Charity MCC 8398 from the Emerging Markets MCC exclusion list. It will now qualify for the existing six interchange programs noted in Tables 2 to 7.

On April 22, 2022, Discover will introduce a new Charity US Consumer Interchange Program for merchant category code (MCC) 8398. Both card-present and card-not-present transactions are eligible for this program.

Table 1 – Discover Charity US Consumer Interchange Program Rates

Fee Name	Rate
Discover Prime Submission Level Charity – Debit	0.90% + $0.20
Discover Prime Submission Level Charity – Prepaid	0.90% + $0.20
Discover Prime Submission Level Charity – Debit Non Exempt	0.05% + $0.21
Discover Prime Submission Level Charity – Prepaid Non Exempt	0.05% + $0.21
Discover Prime Submission Level Charity – Debit Non Exempt w Fraud Adjustment	0.05% + $0.22
Discover Prime Submission Level Charity – Prepaid Non Exempt w Fraud Adjustment	0.05% + $0.22
Discover Prime Submission Level Charity – Core	1.45% + $0.05
Discover Prime Submission Level Charity – Rewards	1.50% + $0.05
Discover Prime Submission Level Charity – Premium	1.50% + $0.05
Discover Prime Submission Level Charity – Premium Plus	2.30% + $0.10

Related to this new program, MCC 8398 will be removed from the following interchange programs:

Recurring Payments US Consumer Interchange Program
Emerging Markets US Consumer Interchange Program

Table 2 – U.S. Consumer Retail Interchange Program Rates

Fee Name	Rate
Discover Prime Submission Level Retail - Core	1.57% + $0.10
Discover Prime Submission Level Retail - Rewards	1.72% + $0.10
Discover Prime Submission Level Retail - Debit	1.10% + $0.16
Discover PSL Retail Regulated Debit¹	0.05% + $0.21
Discover PSL Retail Prepaid	1.12% +$0.16
Discover PSL Retail Regulated Prepaid¹	0.05% + $0.21
Discover Prime Submission Level Retail - Premium	1.74% + $0.10
Discover PSL Retail Premium Plus	2.17% + $0.10

Table 3 – U.S. Consumer Card-Not-Present (CNP) Interchange Program Rates

Fee Name	Rate
Discover Prime Submission Level Card Not Present - Core	1.91% + $0.10
Discover Prime Submission Level Card Not Present - Rewards	2.03% + $0.10
Discover Prime Submission Level Card Not Present - Debit	1.75% + $0.20
Discover PSL CNP Regulated Debit¹	0.05% + $0.21
Discover PSL Card Not Present Prepaid	1.76% + $0.20
Discover PSL Card Not Present Regulated Prepaid¹	0.05% + $0.21
Discover Prime Submission Level Card Not Present - Premium	2.05% + $0.10
Discover PSL Card Not Present Premium Plus	2.50% + $0.10

Table 4 – U.S. Consumer E-Commerce Interchange Program Rates

Fee Name	Rate
Discover Prime Submission Level E-commerce - Core	1.91% + $0.10
Discover Prime Submission Level E-commerce - Rewards	2.03% + $0.10
Discover Prime Submission Level E-commerce - Debit	1.75% + $0.20
Discover Prime Submission Level E-commerce - Debit Regulated¹	0.05% + $0.21
Discover Prime Submission Level E-commerce - Prepaid	1.76% + $0.20
Discover Prime Submission Level E-commerce - PrePaid Regulated¹	0.05% + $0.21
Discover Prime Submission Level E-commerce - Premium	2.05% + $0.10
Discover Prime Submission Level E-commerce - Premium Plus	2.50% + $0.10

Table 5 – U.S. Consumer E-Commerce Secure Interchange Program Rates

Fee Name	Rate
Discover Prime Submission Level E-commerce Secured - Core	1.80% + $0.10
Discover Prime Submission Level E-commerce Secured - Rewards	1.90% + $0.10
Discover Prime Submission Level E-commerce Secured - Debit	1.75% + $0.20
Discover Prime Submission Level E-commerce Secured- DebitReg¹	0.05% + $0.21
Discover Prime Submission Level E-commerce Secured - Prepaid	1.75% + $0.21
Discover Prime Submission Level E-commerceSecured - PrePaidReg¹	0.05% + $0.21
Discover Prime Submission Level E-commerce Secured - Premium	1.95% + $0.10
Discover Prime Submission Level E-commerce Secured -PremPlus	2.35% + $0.10

Table 6 – U.S. Consumer Key Entry Interchange Program Rates

Fee Name	Rate
Discover Prime Submission Level E-commerce Secured - Core	1.91% + $0.10
Discover Prime Submission Level E-commerce Secured - Rewards	2.03% + $0.10
Discover Prime Submission Level E-commerce Secured - Debit	1.75% + $0.20
Discover Prime Submission Level E-commerce Secured- DebitReg¹	0.05% + $0.21
Discover Prime Submission Level E-commerce Secured - Prepaid	1.76% + $0.20
Discover Prime Submission Level E-commerceSecured - PrePaidReg¹	0.05% + $0.21
Discover Prime Submission Level E-commerce Secured - Premium	2.05% + $0.10
Discover Prime Submission Level E-commerce Secured -PremPlus	2.50% + $0.10

Table 7 – U.S. Commercial Electronic Interchange Program Rates

Fee Name	Rate
Discover Commercial Electronic Program	2.45% + $0.15
Discover Commercial Electronic Debit	2.45% + $0.15
Discover Commercial Electronic Regulated Debit¹	0.05% + $0.21
Discover Commercial Electronic Prepaid	2.65% + $0.10
Discover Commercial Electronic Regulated Prepaid¹	0.05% + $0.21

_{1. Fraud adjustment will be charged additional $0.01}

_{Updated September 27, 2022}

_{Published March 21, 2022}

NEW

October 2023 - Revised NYCE POS Network Switch Fee in Puerto Rico

Effective October 1, 2023, NYCE will update their POS Network Switch Fee for card-present PIN purchases and PIN pre-authorization transactions.

Table – NYCE POS Network Switch Fee for Card-Present PIN Purchase and PIN Pre-Authorization Transactions

Current Monthly POS Volume Tiers	Current Fee	New Monthly POS Volume Tiers	Revised Fees
1 – 500,000	$0.0500	1 – 50,000¹	$0.0925
1 – 500,000	$0.0500	50,001 – 500,000	$0.0500
500,001 – 1,000,000	$0.0400	500,001 – 1,000,000	No change

_{1. Also includes merchants that are not uniquely identifiable with their own FRDABA (Federal Reserve Department of American Banking Association), regardless of monthly POS volume.}

_P2023.1348

_{Published September 15, 2023}

October 2023 – Revised Account Verification Fees in Guam

Effective October 1, 2023, Visa will update their Account Verification (AV) Service fee structure. The fees will apply to AVs that are submitted through ISO or API channels including:

Payment Account Validation
Digital Account Verification
Visa Payment Processing

Table – Visa Revised Account Verification Fee Structure in Guam

Fee Name	Current Fee	New Fee
Visa Account Verification Domestic Fee	$0.005	$0.01
Visa Account Verification Cross-Border Fee	-	$0.03

_P2023.0493

_{Published August 15, 2023}

UPDATED

October 2023 – New Visa Account Screen in the U.S. Territories

Update: In addition to Guam, Visa Account Screen is also applicable to Puerto Rico and the U.S. Virgin Islands.

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 deposit fee for each returned/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.

_P2023.1131

_P2023.0527

_{Updated September 15, 2023}

_{Published July 14, 2023}

October 2023 – Interregional Interchange Fee Program Updates in the U.S. Territories

Electronic
Acquirer Chip
Issuer Chip
Electronic Commerce Merchant
Secure Electronic Commerce

Table 1 – Visa Interregional Base Fee Programs¹

Current Fee Name	New Fee Name	Current Rate	New Rate
Visa Interregional Super Premium Rate	Visa Interregional Super Premium Card-Present	1.97%	1.98%
Visa Interregional Premium Card	Visa Interregional Premium Card-Present	1.80%	1.85%
-	Visa Interregional Non-Premium Card-Present	-	1.10%
Visa Interregional Business & Visa Signature Business Card	Visa Interregional Business Card-Present	2.00%	2.00%
Visa Interregional Corporate Card	Visa Interregional Corporate Card-Present	2.00%	2.00%
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, Products

Fee Program	Current Rate	New Rate
Visa Interregional Super Premium Card-Not-Present	1.97%	1.98%
Visa Interregional Premium Card-Not-Present	1.80%	1.85%
Visa Interregional Non-Premium Card-Not-Present	-	1.60%
Visa Interregional Business Card-Not-Present	2.00%	2.00%
Visa Interregional Corporate Card-Not-Present	2.00%	2.00%
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, Transactions

Fee Program	Rate
Visa Interregional Super Premium Downgrade	2.03%
Visa Interregional Premium Downgrade	1.90%
Visa Interregional Non-Premium Downgrade	1.65%
Visa Interregional Business Downgrade	2.05%
Visa Interregional Corporate Downgrade	2.05%
Visa Interregional Purchasing Downgrade	2.05%

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

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

Table 5 – Visa Updated Interregional Standard Fee Program³

Current Fee Name	New Fee Name
Visa Interregional Standard	Visa 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 July 14, 2023}

October 2023 – New Visa Digital Credential Account Updater Fee in the U.S. Territories

Starting October 1, 2023, Visa will charge a Visa Digital Credential Updater (VDCU) Fee on the first authorization following a token credential update to the primary account number (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.

Table – New Visa Digital Credential Updater Fee

Fee Name	Country	Rate
VI-Digital Cred Updater	Guam	$0.12
VI-Digital Cred Updater	Puerto Rico and the U.S. Virgin Islands	$0.05

_P2023.0712

_P2023.0187

_{Published July 14, 2023}

July 2023 – Processing Integrity Program Updates in Puerto Rico and the U.S. Virgin Islands

On 1 July 2023, 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.

Table – Visa Processing Integrity Fees

Fee Name	Description	Rate (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	$0.05
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	$0.05
Unmatched Clearing	Per-transaction fee assessed monthly for each clearing transaction that cannot be matched to an authorization within the defined time frame	$0.05
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	$0.05

_P2023.0154

_{Published April 14, 2023}

April 2024 – PAN Pass Back Program Fee in the U.S. Territories

Effective April 2024, Visa will start charging a Payment Account Number (PAN) Pass Back Program fee of $0.02 USD per event for transit and urban mobility operators. This program will only be available for transit merchants processing token transactions under the following Merchant Category Codes:

MCC 4111 - Local and Suburban Commuter Passenger Transportation, including ferries
MCC 4112 - Passenger Railways
MCC 4131 - Bus Lines

You can implement a payment account reference (PAR) in your system before April 2024 to avoid this fee. The PAR provides the ability to link payment activity to a payment account.

Visa will stop sending PANs in transaction responses beginning April 2026.

_P2022.1087

_{Published April 14, 2023}

Argentine Peso Transactions Blocked in the U.S. Territories

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 April 14, 2023}

April 2023 – Additional Commercial Credit Interchange Rates for the Mastercard Enterprise Solution Wholesale Travel Program in the U.S. Territories

Update: On October 13, 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

Fee Name	Rate
MC B2B Product 7 - MTA	2.00%
MC B2B Product 8 - MTB	1.90%
MC B2B Product 9 - MTC	1.80%
MC B2B Product 10 - MTD	1.70%
MC B2B Product 11 - MTE	1.60%
MC B2B Product 12 - MTF	1.50%
MC B2B Product 13 - MTG	1.40%
MC B2B Product 14 - MTH	1.30%
MC B2B Product 15 - MTI	1.20%
MC B2B Product 16 - MTJ	1.10%
MC B2B Product 17 - MTK	1.00%

_{P2023.0203

P2023.0090}

_{Updated June 14, 2023

Published April 14, 2023}

April 2023 – Visa New Fee for Estimated and Incremental Authorizations in the U.S. Territories

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

Starting April 17, 2023, Visa will assess an Estimated Authorization Fee and an Incremental Authorization Fee as shown in the table below. These fees will apply to the following:

Estimated Authorization Request

o Allows you to obtain an approval before a cardholder has identified what goods or services will be purchased

Incremental Authorization Request

o Allows you to increase the total authorized funds if the initial estimated amount is insufficient

Table – Visa Authorization Fees

Fee Name	New Rate
Estimated Authorizations	0.02%
Incremental Authorizations	0.02%

_P2023.0366

_P2022.1170

_{Updated April 12, 2023}

_{Published January 13, 2023}

April 2023 – Mastercard Assessment Fee Expansion in Puerto Rico and the U.S. Virgin Islands

Beginning April 14, 2023, Mastercard will expand their existing assessment fee for sales transactions to include refunds and returns for domestic credit transactions.

Table – Mastercard Fee Scenarios

Merchant Country	Card-Issuing Country	Fee Name	Fee Applied
Puerto Rico	Puerto Rico	LAC Acquirer Assessment Fee	Yes
U.S. Virgin Islands	U.S. Virgin Islands	LAC Acquirer Assessment Fee	Yes

_{Published March 15, 2023}

April 2023 – U.K. Flexible Credential Rates in U.S. Territories

_{Published February 15, 2023}

February 2023 – Mastercard Revised Excessive Authorization Attempts Transaction Processing Excellence (TPE) Program in Puerto Rico and U.S. Virgin Islands

On February 1, 2023, Mastercard will reduce the threshold of declined attempts for the Excessive Authorization Attempts Transaction Processing Excellence (TPE) program from 10¹ to 7¹. A new threshold of 35 declined attempts on a single account number, from the same card acceptor ID per 30-day rolling period², will also be put in place.

The existing Excessive Authorization Attempts fee will remain $0.50 per transaction over the threshold.

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

_{2. Authorization attempts declined daily count towards the monthly threshold, but customers will not be assessed twice for the same authorization attempt.}

_{Published December 12, 2022}

January 2023 – Visa Flexible Credential Prepaid, Debit, and Credit Consumer Products in the U.S. Territories

Update: Effective April 15, 2023, Visa will expand their Visa Flexible Credential products to support debit transactions for Puerto Rico and the U.S. Virgin Islands, and debit and credit transactions for Guam. The rates will remain the same.

On January 20, 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 interchange rates will apply as shown in the below table.

Table 1 – Visa Interregional Rate for Visa Flexible Credential Purchases for Puerto Rico and the U.S. Virgin Islands

Fee Name

Current Rate

(No Change)

Visa Interregional Premium Card

1.80%

Table 2 – Visa Intraregional Rates for Visa Flexible Credential Purchases for Guam

Fee Name	Current Rate (No Change)
VISA Flexible Credential Consumer Prepaid AP – Base¹	1.88%
VISA Flexible Credential Consumer Prepaid AP – Alternative²	1.88%
VISA Flexible Credential Consumer Prepaid AP – Standard³	1.93%

_{1. Card-present}

_{2. Card-not-present}

_{3. Remains the same}

_{Updated March 15, 2023

Published December 12, 2022}

January 2023 – Mastercard Transaction Processing Excellence Fee for Card-Not-Present Transactions for U.S. Territories

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

Last October 1, 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 – MAC Fees

Fee Name	Fee Amount Effective January 1, 2022	Fee Amount Effective January 1, 2023	Conditions
Merchant Advice Code Fee	$0.25	$0.50	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 be familiar with 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 authorization codes.

_{Updated November 3, 2022}

_{Updated September 27, 2022}

_{Published July 16, 2021}

November 2022 – Mastercard Revised Excessive Authorization Attempts Transaction Processing Excellence (TPE) Program in Guam

On November 1, 2022, Mastercard will introduce a new threshold of 35 declined attempts on the same account number and same card acceptor ID within a 30-day rolling period. Anything in excess of the new threshold will be charged as shown in the table below.

Table – Mastercard Excessive Authorization Attempts TPE Program Rate

Effective Date for First Billing	Current Rate
December 18, 2022	$0.50 per transaction over the threshold

Mastercard will continue to assess a weekly rate for each authorization after 10 previously declined attempts¹ on the same account number and same card acceptor ID.

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

_{Published September 27, 2022}

October 2022 – Visa New Flexible Rate B2B Virtual Program Products in U.S. Territories

On October 14, 2022, Visa will introduce a new B2B Virtual Program with flexible interchange rates as shown in Table 1. Any merchant with a bilateral agreement with their card issuing bank can qualify for these new rates; otherwise, existing interregional interchange rates will apply.

This will include credit, deferred debit, and prepaid options with transaction amounts outlined in Table 2.

Table 1 – Visa B2B Virtual Program Flexible Rates

Fee Name	Rate
Visa Flexible Rate B2B Virtual Payments-Program 1	0.80%
Visa Flexible Rate B2B Virtual Payments-Program 2	1.00%
Visa Flexible Rate B2B Virtual Payments-Program 3	1.20%
Visa Flexible Rate B2B Virtual Payments-Program 4	1.40%
Visa Flexible Rate B2B Virtual Payments-Program 5	1.60%
Visa Flexible Rate B2B Virtual Payments-Program 6	1.80%
Visa Flexible Rate B2B Virtual Payments-Program 7	2.00%
Visa Flexible Rate B2B Virtual Payments-Program 8	0.90%
Visa Flexible Rate B2B Virtual Payments-Program 9	1.10%
Visa Flexible Rate B2B Virtual Payments-Program 10	1.30%
Visa Flexible Rate B2B Virtual Payments-Program 11	1.50%
Visa Flexible Rate B2B Virtual Payments-Program 12	1.70%
Visa Flexible Rate B2B Virtual Payments-Program 13	1.90%

Table 2 – Visa B2B Virtual Program Flexible Rate Transaction Amount

Transaction Type	Transaction Amount
Credit or Deferred Debit	Below $750,000.00
Prepaid (purchase or credit voucher)	Below $500,000.00

_{Published September 27, 2022}

October 2022 – Visa B2B Virtual Payments Program Changes in U.S. Territories

Update: Merchant category code 7996 (amusement parks, circuses, carnivals, and fortune tellers) will be eligible for B2B virtual payments transactions starting January 20, 2023.

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 January 20, 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 January 13, 2023}

_{Published September 27, 2022}

October 2022 – Discover® Introduction of Commercial B2B Interchange and Adjustment Voucher Programs in Puerto Rico, U.S. Virgin Islands, and Guam

On October 14, 2022, Discover will add new Commercial Business-to-Business (B2B) Interchange Programs for eligible card products as shown in the tables below.

Table 1 – Eligible Card Products

Issuer Identification Number Ranges	Card Product	Eligibility
65430000 – 65430099	Commercial Prepaid – Non-Reloadable	U.S. Commercial B2B 1
65430100 – 65430199	Commercial Credit Cards	U.S. Commercial B2B 2

Table 2 – Discover Commercial B2B Interchange Rates and Fees

Fee Name	Rate	Transaction Fee
U.S. Commercial B2B 1	0.00%	$0.00
U.S. Commercial B2B 2	6.00%	$0.00

Table 3 – Discover Adjustment Voucher Program Rates and Fees

Fee Name	Rate	Transaction Fee
U.S. Commercial Adjustment Voucher Program B2B 1	0.00%	$0.00
U.S. Commercial Adjustment Voucher Program B2B 2	6.00%	$0.00

_{Published September 27, 2022}

October 2022 – Discover® New Public Services Interchange Programs in U.S. Territories

Table – New Public Services (Maximum) Interchange Programs

Fee Name	MCC	Rate
PSL - Public Services (Maximum) (Prepaid)	4784, 9211, 9222, 9223, 9311, 9399, 9405	0.00% + $2.00
PSL - Public Services (Maximum (Debit)	4784, 9211, 9222, 9223, 9311, 9399, 9405	0.00% + $2.00

_{Published September 27, 2022}

October 2022 – Discover® New Charity Consumer Interchange Program in U.S. Territories

Table 1 – Discover Charity US Consumer Interchange Program Rates

Fee Name	Rate
Discover Prime Submission Level Charity – Debit	0.90% + $0.20
Discover Prime Submission Level Charity – Prepaid	0.90% + $0.20
Discover Prime Submission Level Charity – Debit Non Exempt	0.05% + $0.21
Discover Prime Submission Level Charity – Prepaid Non Exempt	0.05% + $0.21
Discover Prime Submission Level Charity – Debit Non Exempt w Fraud Adjustment	0.05% + $0.22
Discover Prime Submission Level Charity – Prepaid Non Exempt w Fraud Adjustment	0.05% + $0.22
Discover Prime Submission Level Charity – Core	1.45% + $0.05
Discover Prime Submission Level Charity – Rewards	1.50% + $0.05
Discover Prime Submission Level Charity – Premium	1.50% + $0.05
Discover Prime Submission Level Charity – Premium Plus	2.30% + $0.10

Related to this new program, MCC 8398 will be removed from the following interchange programs:

Recurring Payments US Consumer Interchange Program
Emerging Markets US Consumer Interchange Program

Table 2 – U.S. Consumer Retail Interchange Program Rates

Fee Name	Rate
Discover Prime Submission Level Retail - Core	1.57% + $0.10
Discover Prime Submission Level Retail - Rewards	1.72% + $0.10
Discover Prime Submission Level Retail - Debit	1.10% + $0.16
Discover PSL Retail Regulated Debit¹	0.05% + $0.21
Discover PSL Retail Prepaid	1.12% +$0.16
Discover PSL Retail Regulated Prepaid¹	0.05% + $0.21
Discover Prime Submission Level Retail - Premium	1.74% + $0.10
Discover PSL Retail Premium Plus	2.17% + $0.10

Table 3 – U.S. Consumer Card-Not-Present (CNP) Interchange Program Rates

Fee Name	Rate
Discover Prime Submission Level Card Not Present - Core	1.91% + $0.10
Discover Prime Submission Level Card Not Present - Rewards	2.03% + $0.10
Discover Prime Submission Level Card Not Present - Debit	1.75% + $0.20
Discover PSL CNP Regulated Debit¹	0.05% + $0.21
Discover PSL Card Not Present Prepaid	1.76% + $0.20
Discover PSL Card Not Present Regulated Prepaid¹	0.05% + $0.21
Discover Prime Submission Level Card Not Present - Premium	2.05% + $0.10
Discover PSL Card Not Present Premium Plus	2.50% + $0.10

Table 4 – U.S. Consumer E-Commerce Interchange Program Rates

Fee Name	Rate
Discover Prime Submission Level E-commerce - Core	1.91% + $0.10
Discover Prime Submission Level E-commerce - Rewards	2.03% + $0.10
Discover Prime Submission Level E-commerce - Debit	1.75% + $0.20
Discover Prime Submission Level E-commerce - Debit Regulated¹	0.05% + $0.21
Discover Prime Submission Level E-commerce - Prepaid	1.76% + $0.20
Discover Prime Submission Level E-commerce - PrePaid Regulated¹	0.05% + $0.21
Discover Prime Submission Level E-commerce - Premium	2.05% + $0.10
Discover Prime Submission Level E-commerce - Premium Plus	2.50% + $0.10

Table 5 – U.S. Consumer E-Commerce Secure Interchange Program Rates

Fee Name	Rate
Discover Prime Submission Level E-commerce Secured - Core	1.80% + $0.10
Discover Prime Submission Level E-commerce Secured - Rewards	1.90% + $0.10
Discover Prime Submission Level E-commerce Secured - Debit	1.75% + $0.20
Discover Prime Submission Level E-commerce Secured - DebitReg¹	0.05% + $0.21
Discover Prime Submission Level E-commerce Secured - Prepaid	1.75% + $0.21
Discover Prime Submission Level E-commerceSecured - PrePaidReg¹	0.05% + $0.21
Discover Prime Submission Level E-commerce Secured - Premium	1.95% + $0.10
Discover Prime Submission Level E-commerce Secured - PremPlus	2.35% + $0.10

Table 6 – U.S. Consumer Key Entry Interchange Program Rates

Fee Name	Rate
Discover Prime Submission Level E-commerce Secured - Core	1.91% + $0.10
Discover Prime Submission Level E-commerce Secured - Rewards	2.03% + $0.10
Discover Prime Submission Level E-commerce Secured - Debit	1.75% + $0.20
Discover Prime Submission Level E-commerce Secured - DebitReg¹	0.05% + $0.21
Discover Prime Submission Level E-commerce Secured - Prepaid	1.76% + $0.20
Discover Prime Submission Level E-commerceSecured - PrePaidReg¹	0.05% + $0.21
Discover Prime Submission Level E-commerce Secured - Premium	2.05% + $0.10
Discover Prime Submission Level E-commerce Secured - PremPlus	2.50% + $0.10

Table 7 – U.S. Commercial Electronic Interchange Program Rates

Fee Name	Rate
Discover Commercial Electronic Program	2.45% + $0.15
Discover Commercial Electronic Debit	2.45% + $0.15
Discover Commercial Electronic Regulated Debit¹	0.05% + $0.21
Discover Commercial Electronic Prepaid	2.65% + $0.10
Discover Commercial Electronic Regulated Prepaid¹	0.05% + $0.21

_{1. Fraud adjustment will be charged additional $0.01}

_{Updated September 27, 2022}

_{Published March 21, 2022}

October 2022 – Visa New Non-Domestic Currency Settlement Fee for the U.S. Territories

Update: Fee name was updated from “VI Non-Dom CCY Stlmnt Fee” to “Visa Non-Dom Currency Settlement Volume Fee.”

Table 1 – Visa Non-Domestic Settlement Charges

Country	Fee Name	Rate
Puerto Rico, U.S. Virgin Islands	Visa Non-Dom Currency Settlement Volume Fee	0.10%
Guam	Visa Non-Dom Currency Settlement Volume Fee	0.25%

Table 2 – Cross-Border Fee Scenarios

Jurisdiction	Merchant Country	Card-Issuing Country	Settlement Currency	Fee Applied
Cross-border	U.S. Territories^*	Anywhere outside the U.S. and U.S. Territories^*	Any currency that is not USD	Yes
Intraregional	U.S. Territories^*	U.S. Territories^*	USD	No
Domestic	U.S. Territories^*	U.S. Territories^*	USD	No
Cross-border	United States	U.S. Territories^*	USD	No
Cross-border	U.S. Territories^*	United States	USD	No

_{* Puerto Rico, U.S. Virgin Islands, and Guam}

_{Updated September 27, 2022}

_{Published July 27, 2022}

April 2022 – Decline Reason Code Service Pricing for Card-Not-Present Transactions in U.S. Territories

On April 22, 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	Fee Rate
Decline Reason Code Service (DRCS) Fee	$0.02

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

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

You can take the following actions as best practices when you receive the MACs shown in the table below

Table 2 – DRCS Suggested Merchant Actions

Auth Response Code	Merchant Advice Code	Suggested Merchant Action
79 or 82	01	Updated information was found in the Mastercard Automatic Billing Updater (ABU) database. Check for new information before reattempting.
79 or 82	03	Updated credentials are not found to be available in the Mastercard ABU database. Do not retry.
83	01	Authentication may improve the likelihood of an approval. Retry using authentication (such as EMV 3DS).
83	03	Suspected fraud. Do not retry.

_{1. Including, but not limited to, account verification transactions and refund authorizations}

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

	_{Updated June 14, 2023}
_P2021.1165	_{Published January 20, 2022}

NEW

October 2023 - Revised NYCE POS Network Switch Fee

Effective October 1, 2023, NYCE will update their POS Network Switch Fee for card-present transactions.

Table 1 – Revised NYCE POS Network Switch Fee for Card-Present PIN Purchase and PIN Pre-Authorization Transactions

Current Monthly POS Volume Tiers	Current Fees	New Monthly POS Volume Tiers	Revised Fees
1 – 500,000	$0.0500	1 – 50,000¹	$0.0925
1 – 500,000	$0.0500	50,001 – 500,000	$0.0500
500,001 – 1,000,000	$0.0400	500,001 – 1,000,000	No change

Table 2 – Revised NYCE POS Network Switch Fee for Card-Present PINless Purchase and PINless Purchase Completion Transactions

Current Monthly POS Volume Tiers	Current Fees	New Monthly POS Volume Tiers	Revised Fees
1 – 500,000	$0.015 + 0.10%	1 – 50,000¹	$0.0925
1 – 500,000	$0.015 + 0.10%	50,001 – 500,000	$0.0500
500,001 – 1,000,000	$0.015 + 0.10%	500,001 – 1,000,000	$0.0400

_{1. Also includes merchants that are not uniquely identifiable with their own FRDABA (Federal Reserve Department of American Banking Association), regardless of monthly POS volume.}

_P2023.1348

_{Published September 15, 2023}

PULSE® Merchant Participation Fee Update

PULSE increased their annual Merchant Participation fee to $18 from $16. This fee is charged annually on all active merchant locations that processed a PULSEtransaction. You will see it in your November 2023 billing statement.

_P2022.1475

_{Published August 15, 2023}

September 2023 – NYCE Merchant Participation Fee Update

The NYCE^® Merchant Participation Fee has increased from $16.00 to $17.00 per e-commerce website and location. You will begin to see this revised rate on your September 2023 billing statement.

_P2022.1352

_{Published July 14, 2023}

January 2023 - ACCEL Updated Network Fee Schedule

Update: The current rate previously communicated for Accel Adv Select G1 Retail (formerly Accel Exempt Group 1 Tier 3), found in Table 8 should read as .80% + $0.225. The new rate of 1.45% + $0.45 remains the same.

Table 8 Adjustment (see full table below)

Fee Name	Current Rate	New Rate
Accel Adv Select G1 Retail	0.80% + $0.225	1.45% + $0.45

On January 20, 2023, ACCEL will update their network fee schedule for PIN POS (point-of-sale) and bill payment transactions as shown below.

Table 1 – ACCEL Exempt Standard Rates for Bill Pay Transactions

Fee Name	Current Rate	New Rate
Accel/Exchange Group 1 Standard Bill Pay Utility	$0.64	$0.65
Accel/Exchange Group 2 Standard Bill Pay Utility	$0.64	$0.65
Accel/Exchange Group 3 Standard Bill Pay Utility	$0.64	$0.65
Accel/Exchange Group 1 Standard Bill Pay Telecom	0.65% + $0.12	0.65% + $0.15
Accel/Exchange Group 2 Standard Bill Pay Telecom	0.65% + $0.12	1.65% + $0.15
Accel/Exchange Group 3 Standard Bill Pay Telecom	0.65% + $0.12	0.65% + $0.15
Accel/Exchange Group 1 Standard Bill Pay	0.60% + $0.12	0.65% + $0.15
Accel/Exchange Group 2 Standard Bill Pay	0.60% + $0.12	0.80% + $0.25
Accel/Exchange Group 3 Standard Bill Pay	0.60% + $0.12	0.65% + $0.15
Accel/Exchange Group 1 Standard Bill Pay Max	$1.50	$2.00
Accel/Exchange Group 2 Standard Bill Pay Max	$1.50	$2.00
Accel/Exchange Group 3 Standard Bill Pay Max	$1.50	$2.00
Accel/Exchange Group 1 Standard Bill Pay Telecom Max	$1.75	$2.00
Accel/Exchange Group 2 Standard Bill Pay Telecom Max	$1.75	$2.00
Accel/Exchange Group 3 Standard Bill Pay Telecom	$1.75	$2.00

Table 2 – ACCEL Exempt Member Advantage Rates for Bill Pay Transactions

Fee Name	Current Rate	New Rate
Accel Advantage Group 1 Bill Pay Utility	$0.64	$0.65
Accel Advantage Group 2 Bill Pay Utility	$0.64	$0.65
Accel Advantage Group 3 Bill Pay Utility	$0.70	$0.65
Accel Advantage Group 1 Bill Pay Telecom	0.65% + $0.13	0.65% + $0.15
Accel Advantage Group 2 Bill Pay Telecom	0.65% + $0.13	1.65% + $0.15
Accel Advantage Group 3 Bill Pay Telecom	1.10% + $0.04	0.65% + $0.15
Accel Advantage Group 1 Bill Pay	0.65% + $0.14	0.65% + $0.15
Accel Advantage Group 2 Bill Pay	0.65% + $0.14	0.80% + $0.25
Accel Advantage Group 3 Bill Pay	1.10% + $0.04	0.65% + $0.15
Accel Advantage Group 1 Bill Pay Max	$2.00	$2.00
Accel Advantage Group 2 Bill Pay Max	$2.00	$2.00
Accel Advantage Group 3 Bill Pay Max	-	$2.00
Accel Advantage Group 1 Bill Pay Telecom Max	$2.00	$2.00
Accel Advantage Group 2 Bill Pay Telecom Max	$2.00	$2.00
Accel Advantage Group 3 Bill Pay Telecom Max	-	$2.00

Table 3 – ACCEL Exempt Member Advantage Select Rates for Bill Pay Transactions

Fee Name	Current Rate	New Rate
Accel Group 1 Special Exempt Bill Pay Utility	$0.64	$0.65
Accel Group 2 Special Exempt Bill Pay Utility	$0.64	$0.65
Accel Group 3 Special Exempt Bill Pay Utility	$0.70	$0.65
Accel Group 1 Special Exempt Bill Pay Telecom	0.65% + $0.13	0.65% + $0.15
Accel Group 2 Special Exempt Bill Pay Telecom	0.65% + $0.13	1.65% + $0.15
Accel Group 3 Special Exempt Bill Pay Telecom	1.10% + $0.04	0.65% + $0.15
Accel Group 1 Special Exempt Bill Pay	0.65% + $0.14	0.65% + $0.15
Accel Group 2 Special Exempt Bill Pay	0.65% + $0.14	0.80% + $0.25
Accel Group 3 Special Exempt Bill Pay	1.10% + $0.04	0.65% + $0.15
Accel Group 1 Special Exempt Bill Pay Max	$2.00	$2.00
Accel Group 2 Special Exempt Bill Pay Max	$2.00	$2.00
Accel Group 3 Special Exempt Bill Pay Max	-	$2.00
Accel Group 1 Special Exempt Bill Pay Telecom Max	$2.00	$2.00
Accel Group 2 Special Exempt Bill Pay Telecom Max	$2.00	$2.00
Accel Group 3 Special Exempt Bill Pay Telecom Max	-	$2.00

Table 4 – ACCEL Assurance Rates for Bill Pay Transactions

Fee Name	Current Rate	New Rate
Accel Assurance Group 1 Bill Pay Utility	$0.64	$0.65
Accel Assurance Group 2 Bill Pay Utility	$0.64	$0.65
Accel Assurance Group 3 Bill Pay Utility	$0.64	$0.65
Accel Assurance Group 1 Bill Pay Telecom	0.65% + $0.12	0.65% + $0.15
Accel Assurance Group 2 Bill Pay Telecom	0.65% + $0.12	1.65% + $0.15
Accel Assurance Group 3 Bill Pay Telecom	0.65% + $0.12	0.65% + $0.15
Accel Assurance Group 1 Bill Pay	0.60% + $0.12	0.65% + $0.15
Accel Assurance Group 2 Bill Pay	0.60% + $0.12	0.80% + $0.25
Accel Assurance Group 3 Bill Pay	0.60% + $0.12	0.65% + $0.15
Accel Assurance Group 1 Bill Pay Telecom Max	$1.75	$2.00
Accel Assurance Group 2 Bill Pay Max	$1.50	$2.00
Accel Assurance Group 3 Bill Pay Max	$1.50	$2.00
Accel Assurance Group 1 Bill Pay Max	$1.50	$2.00
Accel Assurance Group 2 Bill Pay Telecom Max	$1.75	$2.00
Accel Assurance Group 3 Bill Pay Telecom Max	$1.75	$2.00

Table 5 – ACCEL Not-Exempt Standard and Not-Exempt Member Advantage Rates for PIN-less Transactions

Fee Name	New Rate
Accel PINless Regulated Fraud	0.05% + $0.22
Accel PINless Regulated	0.05% + $0.21

Table 6 – ACCEL Exempt Standard Rates for PIN POS Transactions

Fee Name	Current Rate	New Rate
Accel Standard G1 Supermarket	$0.29	$0.40
Accel Standard G2 Supermarket	1.00% + $0.14 (max of $0.33)	$0.40
Accel Standard G3 Supermarket	$0.29	$0.40
Accel Standard G1 Small Ticket Supermarket	1.00% + $0.06	$0.40
Accel Standard G2 Supermarket - Small Ticket	1.00% + $0.06	$0.40
Accel Standard G3 Supermarket - Small Ticket	1.00% + $0.06	$0.40
Accel Standard G1 Petrol	0.80% + $0.15 (max of $0.95)	0.80% + $0.20
Accel Standard G2 Petrol	0.75% + $0.14 (max of $0.95)	0.80% + $0.20
Accel Standard G3 Petrol	0.80% + $0.15 (max of $0.95)	0.80% + $0.20
Accel Standard G1 Small Ticket Petrol	1.00% + $0.06	0.80% + $0.20
Accel Standard G2 Petrol - Small Ticket	1.00% + $0.06	0.80% + $0.20
Accel Standard G3 Petrol - Small Ticket	1.00% + $0.06	0.80% + $0.20
Accel/Exchange Tier 1 QSR	1.00% + $0.06	1.00% + $0.06
Accel/Exchange Tier 2 QSR	1.00% + $0.06	1.00% + $0.06
Accel/Exchange Tier 3 QSR	1.00% + $0.06	1.00% + $0.06
Accel/Exchange Tier 4 QSR	1.00% + $0.06	1.00% + $0.06
Accel/Exchange Group 2 Tier 1 Standard QSR	1.00% + $0.06	1.00% + $0.06
Accel/Exchange Group 2 Tier 2 Standard QSR	1.00% + $0.06	1.00% + $0.06
Accel/Exchange Group 2 Tier 3 Standard QSR	1.00% + $0.06	1.00% + $0.06
Accel/Exchange Group 2 Tier 4 Standard QSR	1.00% + $0.06	1.00% + $0.06
Accel/Exchange Group 3 Tier 1 Standard QSR	1.00% + $0.06	1.00% + $0.06
Accel/Exchange Group 3 Tier 2 Standard QSR	1.00% + $0.06	1.00% + $0.06
Accel/Exchange Group 3 Tier 3 Standard QSR	1.00% + $0.06	1.00% + $0.06
Accel/Exchange Group 3 Tier 4 Standard QSR	1.00% + $0.06	1.00% + $0.06
Accel Small Ticket	1.00% + $0.06	1.00% + $0.06
Accel/Exchange Group 3 Small Ticket	1.00% + $0.06	1.00% + $0.06
Accel Standard G1 Retail	0.80% + $0.14	0.90% + $0.30
Accel Standard G2 Retail	0.85% + $0.14	0.90% + $0.30
Accel Standard G3 Retail	0.80% + $0.14	0.90% + $0.30
Accel Standard G1 Retail Small Ticket	1.00% + $0.06	0.90% + $0.30
Accel Standard G2 Retail Small Ticket	1.00% + $0.06	0.90% + $0.30
Accel Standard G3 Retail Small Ticket	1.00% + $0.06	0.90% + $0.30

Table 7 – ACCEL Exempt Member Advantage Rates for PIN POS Transactions

Fee Name	Current Rate	New Rate
Accel Advantage G1 Supermarket	$0.29	$0.40
Accel Advantage G2 Supermarket	$0.33	$0.40
Accel Advantage G3 Supermarket	1.10% + $0.115	$0.40
Accel Advantage G1 Supermarket Small Ticket	$0.29	$0.40
Accel Advantage G2 Supermarket Small Ticket	$0.33	$0.40
Accel Advantage G3 Supermarket Small Ticket	1.10% + $0.115	$0.40
Accel Advantage G1 Petrol	0.80% + $0.15	0.80% + $0.20
Accel Advantage G2 Petrol	0.80% + $0.15	0.80% + $0.20
Accel Advantage G3 Petrol	0.76% + $0.115	0.80% + $0.20
Accel Advantage G1 Petrol Small Ticket	1.00% + $0.08	0.80% + $0.20
Accel Advantage G2 Petrol Small Ticket	1.00% + $0.08	0.80% + $0.20
Accel Advantage G3 Petrol Small Ticket	0.76% + $0.115	0.80% + $0.20
Accel Advantage QSR	1.00% + $0.08	1.00% + $0.08
Accel Advantage Group 2 Tier 4 QSR	1.00% + $0.11	1.00% + $0.11
Accel Advantage Group 3 Tier 1	1.10% + $0.115	1.10% + $0.115
Accel Advantage Group 3 Tier 2	1.10% + $0.115	1.10% + $0.115
Accel Advantage Group 3 Tier 3	1.10% + $0.115	1.10% + $0.115
Accel Advantage Group 3 Tier 4	1.10% + $0.115	1.10% + $0.115
Accel Advantage Small Ticket	1.00% +$0.08	1.00% +$0.08
Accel Advantage Group 3 Small Ticket	1.10% + $0.115	1.10% + $0.115
Accel Advantage G1 Retail	0.90% + $0.225	0.90% + $0.30
Accel Advantage G2 Retail	0.90% + $0.225	0.90% + $0.30
Accel Advantage G3 Retail	1.10% + $0.115	0.90% + $0.30
Accel Advantage G1 Retail Small Ticket	1.00% + $0.08	0.90% + $0.30
Accel Advantage G2 Retail Small Ticket	1.00% + $0.08	0.90% + $0.30
Accel Advantage G3 Retail Small Ticket	1.10% + $0.115	0.90% + $0.30

Table 8 – ACCEL Exempt Member Advantage Select Rates for PIN POS Transactions

Fee Name	Current Rate	New Rate
Accel Adv Select G1 Supermarket	$0.29	1.45% + $0.45
Accel Adv Select G2 Supermarket	$0.33	1.45% + $0.45
Accel Adv Select G3 Supermarket	1.10% + $0.115	1.45% + $0.45
Accel Adv Select G1 Supermarket Small Ticket	$0.29	1.45% + $0.45
Accel Adv Select G2 Supermarket Small Ticket	$0.33	1.45% + $0.45
Accel Adv Select G3 Supermarket Small Ticket	1.10% + $0.115	1.45% + $0.45
Accel Adv Select G1 Petrol	0.80% + $0.15	1.45% + $0.45
Accel Adv Select G2 Petrol	0.08% + $0.15	1.45% + $0.45
Accel Adv Select G3 Petrol	0.76% + $0.115	1.45% + $0.45
Accel Adv Select G1 Petrol Small Ticket	1.00% + $0.08	1.45% + $0.45
Accel Adv Select G2 Petrol Small Ticket	0.80% + $0.15	1.45% + $0.45
Accel Adv Select G3 Petrol Small Ticket	0.76% + $0.115	1.45% + $0.45
Accel Group 1 Tier 4 Special Exempt QSR	1.00% + $0.08	1.00% + $0.08
Accel Group 2 Tier 4 Special Exempt QSR	1.00% + $0.11	1.00% + $0.11
Accel Group 3 Tier 1 Special Exempt	1.10% + $0.115	1.10% + $0.115
Accel Group 3 Tier 2 Special Exempt	1.10% + $0.115	1.10% + $0.115
Accel Group 3 Tier 3 Special Exempt	1.10% + $0.115	1.10% + $0.115
Accel Group 3 Tier 4 Special Exempt	1.10% + $0.115	1.10% + $0.115
Accel Exempt Group 1 Tiers 1,2,3 Small Ticket	1.00% +$0.08	1.00% +$0.08
Accel Group 2 Tier 4 Special Exempt QSR	1.00% + $0.11	1.00% + $0.11
Accel Group 3 Special Exempt Small Ticket	1.10% + $0.115	1.10% + $0.115
Accel Adv Select G1 Retail	0.80% + $0.225	1.45% + $0.45
Accel Adv Select G2 Retail	0.90% + $0.225	1.45% + $0.45
Accel Adv Select G3 Retail	1.10% + $0.115	1.45% + $0.45
Accel Adv Select G1 Retail Small Ticket	1.00% + $0.08	1.45% + $0.45
Accel Adv Select G2 Retail Small Ticket	0.90% +$0.225	1.45% + $0.45
Accel Adv Select G3 Retail Small Ticket	1.10% + $0.115	1.45% + $0.45

Table 9 – ACCEL Assurance Rates for PIN POS Transactions

Fee Name	Current Rate	New Rate
Accel Assurance G1 Supermarket	$0.29	$0.40
Accel Assurance G2 Supermarket	1.00% + $0.14 (max of $0.33)	$0.40
Accel Assurance G3 Supermarket	$0.29	$0.40
Accel Assurance G1 Supermarket Small Ticket	1.00% + $0.06	$0.40
Accel Assurance G2 Supermarket Small Ticket	1.00% + $0.06	$0.40
Accel Assurance G3 Supermarket Small Ticket	1.00% + $0.06	$0.40
Accel Assurance G1 Petrol	0.80% + $0.15 (Max of $0.95)	0.80% + $0.20
Accel Assurance G2 Petrol	0.75% + $0.14 (max of $0.95)	0.80% + $0.20
Accel Assurance G3 Petrol	0.80% + $0.15 (max of $0.95)	0.80% + $0.20
Accel Assurance G1 Petrol Small Ticket	1.00% + $0.06	0.80% + $0.20
Accel Assurance G2 Petrol Small Ticket	1.00% + $0.06	0.80% + $0.20
Accel Assurance G3 Petrol Small Ticket	1.00% + $0.06	0.80% + $0.20
Accel Assurance G1 QSR	1.00% + $0.06	1.00% + $0.06
Accel Assurance G2 QSR	1.00% + $0.06	1.00% + $0.06
Accel Assurance Group 3 Tier 4 QSR	1.00% + $0.06	1.00% + $0.06
Accel Assurance G1 QSR Small Ticket	1.00% + $0.06	1.00% + $0.06
Accel Assurance G2 QSR Small Ticket	1.00% + $0.06	1.00% + $0.06
Accel Assurance Group 3 Small Ticket	1.00% + $0.06	1.00% + $0.06
Accel Assurance G1 Retail	0.80% +$0.14	0.90% +$0.30
Accel Assurance G2 Retail	0.85% + $0.14	0.90% +$0.30
Accel Assurance G3 Retail	0.80% + $0.14	0.90% +$0.30
Accel Assurance G1 Retail Small Ticket	1.00% + $0.06	0.90% +$0.30
Accel Assurance G2 Retail Small Ticket	1.00% + $0.06	0.90% +$0.30
Accel Assurance G3 Retail Small Ticket	1.00% + $0.06	0.90% +$0.30

Table 10 – ACCEL Not-Exempt Standard and Not-Exempt Member Advantage Rates for PIN-based Transactions

Fee Name	New Rate
Accel Regulated Fraud	0.05% + $0.22
Accel Regulated	0.05% + $0.21

	_{Updated May 15, 2023}
_P2022.0200	_{Published December 12, 2022}

April 2023 – PULSE® Updates to PIN Debit Grocery and Petroleum Transactions

On April 1, 2023, PULSE will remove their interchange caps for PIN debit grocery and petroleum transactions that use cards participating in PULSE PAY^® Limited.

Table – PULSE Non-Regulated PIN Debit Merchant Interchange Caps for PIN POS

Merchant Category	Fixed Fee	% of Sales	Current Maximum Cap	New Maximum Cap
Grocery	$0.15	1.15%	$0.35	No cap
Gen. Retail	$0.15	1.15%	No cap	No cap
Petroleum	$0.15	1.15%	$0.95	No cap
Small Ticket	$0.05	1.60%	No cap	No cap

_{Published March 15, 2023}

February 2023 – CULIANCE® Network Annual Location and Debit Network Fees

On February 1, 2023, CULIANCE Network will revise their annual location fee and debit network fees, as seen in the table below.

Table – Debit Network Fees¹

Fee Name	Current Fee	New Fee
Debit Network Switch Fee	$0.030	$0.035
Debit Network Pre-Auth Switch Fee	$0.030	$0.035
Debit Network Pre-Auth Completion Switch Fee	$0.030	$0.035

_{1. These include POS, on-demand, and e-commerce transactions.}

_{Published January 13, 2023}

September 2023 – CULIANCE® Merchant Location Participation Fee

Update: The CULIANCE Annual Merchant Location Fee has increased from $16.00 to $17.00 per location and will now be charged per e-commerce website too. You will begin to see this revised rate on your September 2023 billing statement.

CULIANCE implemented a $16.00 Annual Merchant Location Fee. This fee applies to direct POS processors that support merchant locations capable of acquiring CULIANCE PIN and PINless POS transactions. You will see the first billing of this fee in your December 2022 invoice and succeeding charges every September.

_P2022.1317

_P2020.1199

_{Updated July 14, 2023}

_{Published December 23, 2022}

October 2022 – PULSE® Representment Step Removal

On October 9, 2022, PULSE will remove the representment step for reason code 4868 card-not-present chargebacks. Merchants that believe there is evidence to rebut the dispute will have the option of pursuing pre-arbitration within 30 days from the date of the chargeback.

_{Published September 27, 2022}

October 2022 – STAR Select Pricing Program

Effective October 14, 2022, STAR will introduce the STAR Select pricing program for qualified STAR issuer members and sponsored organizations determined at the network’s sole discretion. There are no other pricing changes in the STAR Fee schedule beyond those related specifically to the STAR Select pricing program.

The Issuer IGI (Interchange Group Identifier) value D will now qualify for the new STAR Select Program.

Table 1 – STAR Select Pricing for PIN Debit Transactions

STAR Select	Rate	Fixed Fee
Grocery & Wholesale Club Merchant	1.45%	$0.45
Petroleum Merchant	1.45%	$0.45
Medical Merchant	1.45%	$0.45
Restaurant/QSR	1.45%	$0.45
Small Ticket Merchant	1.45%	$0.45
All Other Merchants	1.45%	$0.45

Table 2 – STAR Select Pricing for PINless Debit Transactions

STAR Select	Rate	Fixed Fee
Ecommerce Merchant	1.45%	$0.45
Grocery & Wholesale Club Merchant	1.45%	$0.45
Petroleum Merchant	1.45%	$0.45
Restaurant/QSR	1.45%	$0.45
Small Ticket Merchant	1.45%	$0.45
Bill Payment Merchants	1.45%	$0.45
All Other Merchants	1.45%	$0.45

The transaction refund for STAR Select for PINless debit transactions is $0.04.

_{Published September 27, 2022}

NEW

Updated ChaseNet Rules

The ChaseNet rules have been updated to reflect recent changes made to the Visa rules. ChaseNet users can visit the Developer Center to view the complete list of changes included in version 4.0

_PBI23.0006

_{Published September 15, 2023}

September 2024 – EMV 3DS 2.1.0 Support Discontinued in the U.S. and U.S. Territories

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

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

_P2022.1505

_{Published June 14, 2023}

NEW

April 2024 - PCI DSS Version 4.0 Implementation in the U.S. and U.S. Territories

Effective July 1, 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 September 15, 2023}

March 2024 – Standing Instructions MITs for Device Tokens in the U.S. and U.S. Territories

Starting March 1, 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 accepting standing instruction MITs from your existing cardholders with device tokens that were generated prior to March 1, 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 August 15, 2023}

CVV2 Validation for Tokenized Transactions in the U.S. and U.S. Territories

A CVV2 should not be used for a tokenized transaction. If it is, Visa will perform a validation using the designated CVV2 parameters for card issuers. Currently, a CVV2 validation may only be performed by card issuers, if they are configured to do so, and not by Visa. An unsuccessful validation may result in a Not Processed (P) authorization response or a decline.

This is for a transitional period only and may be discontinued at any time.

_P2023.0424

_{Published August 15, 2023}

Guidance on Customized Cards and Transplanted EMV Chips in the U.S. and U.S. Territories

Some cardholders are choosing to personalize their cards, using a customization service provider, by transplanting the EMV chips and transferring the mag-stripe data from the originally issued Visa 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 because it won’t have the Visa brand mark
Non-Visa custom cards are not required to be honored for payments

_P2023.0878

_{Published August 15, 2023}

November 2023 – Interim Transaction IDs Are Expiring in the U.S. and U.S. Territories

Beginning November 1, 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 August 15, 2023}

November 2023 – New Visa Sensory Branding Requirements in the U.S. and U.S. Territories

Update: On November 1, 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 November 1, 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 April 14, 2023}

_{Published July 13, 2022}

October 2023 – Updates to Fraud and Consumer Dispute Rules in the U.S. and U.S. Territories

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

I. 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)

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

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

III. 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 June 14, 2023}

October 2023 – New Digital Goods Merchant Fraud Monitoring Program in the U.S. and the U.S. Territories

On October 1, 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 April 1, 2023 to August 31, 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 April 14, 2023}

UPDATED

July 2023 – Fleet 2.0 Initiative

Update: Visa has updated their list of issuing bank identification numbers (BINs), designated as Visa Fleet BINs, as outlined in Table 2.

On April 22, 2022, Visa introduced enhancements in the fleet product platform as part of the Visa Fleet 2.0 initiative. This initiative introduces new Visa chip requirements that are based on both the International Forecourt Standards Forum (IFSF) and the Conexxus industry standards¹ for purchase restrictions and prompting information.

Fuel merchant category codes (MCC), as shown in Table 1, are required to support the Fleet 2.0 initiative by October 2023, and extensions will no longer be granted.

Highlighted below are key changes in this initiative:

Update POS terminals to identify and process Fleet 2.0 (full chip solution) cards with the new EMV fleet data tags
Update POS terminals to accommodate additional prompting
Support chip and host-based purchase restrictions
Support sending advice/completion² messages for Service Stations (Convenience stores) and automated fuel dispensers (AFD) for Fleet cards
Support sending new data elements in authorization and clearing messages
Update your bank identification number (BIN) list to better identify Fleet card accounts at POS. Refer to Table 2 for the updated list

In addition to the fleet BINs, a new EMV tag will be present on Fleet 2.0 chip cards that can be used to identify a Fleet card. Please visit our Developer Center for the detailed specifications.

Chase is also in the process of adding new Visa Fuel & Non-Fuel product codes. Please refer to the specification documents for details.

Table 1 – Visa Fuel MCCs Required to Support Fleet 2.0 Initiative

MCC	Merchant Description
4468	Marinas, Marine Service, and Supplies
5541	Service Stations (C-Stores) - with or without Ancillary Services
5542	Automated Fuel Dispensers
5499	Miscellaneous Food Stores – Convenience Stores and Specialty Markets
5983	Fuel Dealers – Fuel Oil, Wood, Coal, and Liquefied Petroleum

Table 2 – Updated³ Visa Fleet BINs

BIN Ranges
448462–448464	448540–448541	448621	461482–461485
448466–448466	448544–448547	448623–448625	461487–461499
448470–448471	448550–448551	448628–448629	471562
448473–448475	448553–448555	448631–448663	471595
448477	448558–448559	448665–448674	480701–480704
448483	448561–448563	448676–448680	480706–480849
448489–448492	448565–448569	448682–448686	480851–480853
448494–448498	448571–448576	448689–448699	480855–480856
448500–448501	448581–448582	461400	480859
448503–448505	448584–448586	461402–461410	480861–480864
448507–448508	448588–448589	461412–461421	480866
448510	448593–448597	461423–461425	480869
448513–448514	448599–448601	461430–461435	480871–480874
448518–448521	448603–448610	461437–461459	480876
448528–448532	448613–448614	461461–461468	480878–480899
448535–448538	448616–448619	461472–461479

_{1. International Forecourt Standards Forum (IFSF) of international petroleum retailers has a common objective of harmonization of equipment interconnectivity and communication standards for use in Petroleum Retail. Conexxus is a non-profit, member-led technology organization that focuses on the development and implementation of standards, technologies innovation and advocacy for the convenience store and petroleum market.}

_{2. Not mandatory for transactions containing non-fuel items only, provided all the data is present in the authorization message itself.}

_{3. Updated list as of July 2023.}

_P2023.1435

_P2021.1038j

_{Updated September 15, 2023
Updated December 12, 2022}

_{Published March 21, 2022}

April 2023 – Updates to Status Check Transactions for Debit and Prepaid Cards Issued in Japan for the U.S. and the U.S. Territories

Starting April 14, 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 April 14, 2023}

April 2023 – ECI 05 Reclassifications for E-Commerce Transactions

On April 15, 2023, Visa will reclassify e-commerce cardholder-initiated transactions that use a credential-on-file token from a device-based token; these transactions will be assigned an electronic commerce indicator (ECI) of 05. This reclassification will help prevent fraud by fully authenticating transactions.

Transactions will be reclassified as ECI 05 when:

The Token Authentication Verification Value (TAVV) is included in the authorization request
The token type is 01 (credential-on-file)
The specified risk data is included in the cryptogram request
All fraud performance requirements are met

_{Published March 15, 2023}

April 2023 – Update to Surcharge Rules in the U.S. and U.S. Territories

On April 15, 2023, Visa will lower the maximum credit card surcharge amount from 4% to 3%. Surcharge amounts will be monitored to ensure they are compliant with Visa Rules. As a reminder, surcharges are only permitted on credit cards, and in the U.S. or U.S. territories where surcharges are not prohibited by local law.

If you are not currently assessing a surcharge, you are required to notify us 30 days before you can begin surcharging. Please contact your J.P. Morgan representative for more information on how to register for surcharging.

_{Published March 15, 2023}

April 2023 – AFD Authorization Changes in the U.S. and U.S. Territories

On April 15, 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 April 16, 2025, initial authorizations for fixed amounts will only be permitted at AFDs. If you use non-AFD MCCs, you can use estimated and incremental authorizations instead.

_{Published March 15, 2023}

Issuer Fraud Dispute Rights for High-Risk Merchant Category Codes

Visa retains the dispute rights for card-issuing banks, which protect U.S. domestic token transactions from certain high-risk merchant category codes (MCCs), regardless of the electronic commerce indicator value. Fully authenticated card-not-present transactions that are processed with MCCs listed in the table below will continue to be ineligible for fraud dispute protection. This is indicated in Dispute Condition 10.4: Other Fraud—Card Absent Environment.

Table – Visa High-Risk MCCs

MCC	Merchant Category Description
4829	Money Transfer
5967	Direct Marketing – Inbound Teleservices Merchant
6051	Non-Financial Institutions – Foreign Currency, Non-Fiat Currency (for example: Cryptocurrency), Money Orders (not Money Transfer), Account Funding (not Stored Value Load), Travelers Cheques, and Debt Repayment
6540	Non-Financial Institutions – Stored Value Card Purchase/Load
7801	Government Licenses Online Casinos (Online Gambling) (U.S. Region Only)
7802	Government Licensed Horse/Dog Racing (U.S. Region Only)
7995	Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, Wagers at Race Tracks and games of chance to prizes of monetary value

_{Published March 15, 2023}

Single Maximum Transaction Limit Updates for the U.S. and the U.S. Territories

Visa raised their single maximum transaction limit from $749,999.99 to $1,499,999.99 for certain business credit and commercial credit product IDs. This transaction limit increase applies to purchases, refunds and credits on the following U.S.-issued cards and products that are used anywhere in the world:

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

_{Published March 15, 2023}

April 2023 – Changes in Authorization Characteristics Indicator

On April 15, 2023, Visa will no longer support value B in the Authorization Characteristics Indicator (ACI) field for token-based e-commerce transactions. Visa will reject submissions with this value.

Please visit our Developer Center for the complete specifications on ACI values.

_{Published February 15, 2023}

April 2023 – Updates their Address Verification Service in the U.S. and U.S. Territories

On April 14, 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 February 15, 2023}

April 2023 – Updated Dispute Rules in the U.S. and the U.S. Territories

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 April 15, 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 applicable²

◦ 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 January 13, 2023}

_{Published September 27, 2022}

October 2022 – Updates to Token Authentication for Account Funding Transactions (AFTs) in the U.S. and the U.S. Territories

On October 14, 2022, Visa will classify mobile device and application-based e-commerce AFTs containing a payment token and valid token cryptogram – or token authentication verification value (TAVV) – as secure electronic commerce transactions. These AFTs will be assigned the electronic commerce indicator value of 5 (secure electronic commerce transaction).

_{Published September 27, 2022}

October 2022 – Credential-On-File Token Authentication Updates in the U.S. and the U.S. Territories

On October 14, 2022, Visa will reclassify certain cardholder-initiated transactions, performed using credential-on-file tokens, as secure electronic commerce transactions¹ with electronic commerce indicator (ECI) value of 05. Please refer to the following transaction criteria:

Card is issued in Asia Pacific, Europe, Latin America and Caribbean, or Central Europe, Middle East and Africa region
Token Authentication Verification Value is included in the authorization request and validated by the Visa Token Service
Token type is credential-on-file
Token requestor-token service provider is Apple Inc.

Visa is making this reclassification based on the low levels of fraud observed on these transactions. Visa will monitor these transactions regularly to ensure low fraud rates are maintained. If the low fraud rates are not maintained, Visa will discontinue providing the ECI value of 05 for the transactions following the criteria mentioned above.

_{1. Cardholder authentication verification value (CAVV) data is not required for the authorization to qualify as a secure electronic commerce transaction.}

_{Published September 27, 2022}

October 2022 – Updated Travel and Entertainment Dispute Conditions for the U.S. and the U.S. Territories

Starting October 15, 2022, Visa will expand Dispute Condition 13.3 – Not as Described or Defective Merchandise/Services. Disputes will no longer be subject to the Travel & Entertainment (T&E) $25 or local currency equivalent minimum dispute amount when a travel agency using a Visa Commercial Card Virtual Account has a contractual agreement with a T&E merchant that covers the terms for specified services, and either:

The merchant failed to honor the contractual agreement, or
The services provided by the merchant to the virtual account holder were not as described in the contractual agreement.

In addition, the dispute right that currently applies only to lodging merchants or vehicle rental merchants will now apply to all T&E merchants.

_{Published July 13, 2022}

October 2022 – Discontinue Support of 3DS 1.0.2

Starting October 15, 2022, Visa will no longer support 3-D Secure (3DS) 1.0.2 and related technology. 3DS 1.0.2 transactions attempted after this date will fail and must be submitted as non-authenticated (ECI 7) transactions. Merchants must migrate to 3DS 2 prior to October 2022.

Please visit our Developer Center for the complete specifications required to migrate to 3DS 2 to continue to receive liability protection after October 2022.

_{Published April 14, 2022}

June 2022 – Token Service & Web Browser Autofill in the U.S. and U.S. Territories

Update: The full rollout of the Visa Token Service (VTS) for U.S. cardholders will be in Q1 2023. Make sure your business is prepared to accept tokens for transactions submitted through a web browser, or email us with your information (please see below) at ms_optout_browser_autofill@jpmorgan.com to opt out now.

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

Visa is introducing their Visa Token Service (VTS) to web browsers for improved security and consumer experience on card-not-present (CNP) transactions. Merchants could begin seeing tokenized transactions within Google Chrome as early as June 21, 2022, when Visa begins limited testing with the Google Chrome browser. Visa and Google Chrome plan to gradually introduce the VTS functionality beginning August 2022 for CNP transactions made in the Google Chrome browser including mobile devices.

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.

_{Updated December 12, 2022}

_{Published June 15, 2022}

NEW

November 2023 - New Merchant Advice Codes in the U.S. and U.S. Territories

On November 7, 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 September 15, 2023}

Updated Send Transaction Limits in the U.S. and U.S. Territories

Mastercard has increased their transaction limits, shown below, for Funding, MoneySend Payments, and Gambling (collectively referred to as Send Transactions).

Table 1 – Mastercard Account Funding Transaction Send Limit

Balance Application Identifier (BAI)	Single Transaction Limit
AA - General Transfer to Own Account	$50,000
PP - General Person-to-Person Transfer	$10,000
FT - General Transfer to Own Account	$50,000
WT - Transfer to Own Staged Digital Wallet Account	$25,000
TU - Transfer to Own Debit or Prepaid Account	$25,000
PD - Business Disbursements	$125,000

Table 2 – Mastercard Original Credit Transaction Send Limit

BAI	Single Transaction Limit
AA - General Transfer to Own Account	$50,000
PP - General Person-to-Person Transfer	$10,000
FT - General Transfer to Own Account	$50,000
WT - MoneySend Account-to-Account Transfer	$50,000
TU - Transfer to Own Debit or Prepaid Account	$50,000
FD - General Business Disbursements	$125,000
GD - Government/Non-Profit Disbursement	$125,000
GP - Gaming and Gambling	$50,000
LO - General Business Disbursements	$125,000
MD - Rapid Merchant Settlement	$125,000
OG - Gaming and Gambling	$50,000
PD - Business Disbursement	$125,000

_P2022.1532

_{Published August 15, 2023}

Data Integrity Monitoring Updates for Funding Transactions in the U.S. and U.S. Territories

Mastercard is monitoring all transactions with 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 purchase 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 on these data integrity monitoring updates.

_P2022.0739

_{Published July 14, 2023}

Data Integrity Monitoring Program Update for Gambling Authorizations

On August 1, 2023, Mastercard will begin monitoring the CVC 2 and EMV 3DS values in online gambling transactions that use the following Merchant Category Codes. Please ensure that you’re providing one of these required values to avoid possible charges.

MCC 7800 – Government Owned Lottery
MCC 7801 – Internet Gambling
MCC 7802 – Government Licensed Horse/Dog Racing
MCC 7995 – Gambling Transactions

_P2022.1115

_{Published June 14, 2023}

July 2023 – Data Integrity Monitoring Program Changes in the U.S. and U.S. Territories

On July 30, 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 referred to as 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 June 14, 2023}

July 2023 – Updates to Smart Authentication Stand-In Logic for Identity Check in the U.S. and U.S. Territories

The transaction routing logic for Mastercard’s Identity Check will be updated on July 5, 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 June 14, 2023}

Autofill Virtual Cards in the U.S. and the U.S. Territories

Mastercard has introduced Autofill Virtual Cards with the Mastercard Digital Enablement Service (MDES) to enhance the cardholder 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.

Prior to this enhancement, cardholders could choose to have their account and expiration date stored for use on a merchant checkout page. Now, Autofill Virtual Cards will work by replacing a cardholder’s Primary Account Number (PAN) and Card Validation Code 2 (CVC2) with a Virtual Card as a 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

Autofill Virtual Cards are already available, and you may start receiving and storing information gathered from them. This includes card numbers, which upon consent, may be used for customer-initiated and merchant-initiated e-commerce transactions in accordance with existing Mastercard rules, standards, and best practices, including:

Don’t 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
Don’t store a card security code after authorization has been submitted

Please assess if you are prepared to accept tokens for purchases. Stand by for opt-out instructions if you do not wish to accept tokens at this time.

_{Published December 12, 2022}

October 2022 – CIT/MIT Indicators in the U.S. and the U.S. Territories

On October 14, 2022, Mastercard will introduce a new indicator to specify cardholder-initiated transaction (CIT) or merchant-initiated transaction (MIT) within dual message system and single message system transaction requests, and optional in the clearing messages. Additionally, Mastercard is sub-classifying recurring transactions into subscription-based (fixed amount and frequency) and standing order (variable amount and fixed frequency) transactions.

We encourage you to visit our Developer Center for the complete specifications of CIT and MIT indicators to maximize the benefits of increased approval rates, reduced customer costs with transaction declines and improved real-time decision making.

The changes will not impact merchants that do not process recurring transactions.

_{Published September 27, 2022}

October 2022 – Authorization Optimizer Updates in the U.S. and the U.S. Territories

On October 14, 2022, Mastercard will update the Mastercard Authorization Optimizer, which provides assistance when authorization requests are declined. The Mastercard Authorization Optimizer:

Is limited to card-not-present declines
Excludes mail and telephone order transactions
Only pertains to transactions processed on the Mastercard network

Seven new merchant advice codes will be introduced for insufficient fund decline responses, as shown in the table below. These values are provided to advise merchants when to resubmit the transaction for approval.

Table – Merchant Advice Codes

Merchant Advice Code	Recommendation
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

_{Published September 27, 2022}

October 2022 – Clearing Processing Days Update in the U.S. and the U.S. Territories

On October 14, 2022, Mastercard will include all processing days in the calendar week for timeliness enforcement, which will reduce the time between authorization and clearing of a transaction. With this change, Sunday will be counted in determining timeliness for interchange qualification purposes.

For some interchange programs, Mastercard requires a certain number of days or timeliness between authorization and clearing. If timeliness is not met according to their current rules, it could result in timeliness-related rejects or downgrades of some interchange programs.

_{Published September 27, 2022}

October 2022 – Transition to EMV 3-D Secure (3DS) Directory Server v2.2.0 for the U.S. and the U.S. Territories

Effective October 18, 2022, Mastercard is transitioning all customers to EMV 3DS Directory Server v2.2.0, which promotes frictionless cardholder authentication during checkout.

Mastercard will continue to support 3DS v2.1.0 transactions on the Mastercard Authentication Network until October 18, 2022. The 3DS v2.1.0 decommission will begin at 12 p.m. Central Time.

_{Published July 13, 2022}

September 2022 – Merchant Standards for Subscription Billing

Update: Mastercard added communication requirements for account management capabilities to their merchant standards for subscription billing including subscription cancellation (see the third, fourth, and sixth bullets below). Guidance for not-for-profit or charity merchants has also been added.

On September 22, 2022, Mastercard will update requirements for their subscription/recurring payments model. This change promotes transparency for cardholders and the prevention of disputes on transactions where the cardholder has agreed for the merchant to provide ongoing and/or periodic delivery of physical products or digital goods.

If you offer recurring payment billing, you are expected to:

Disclose the subscription terms simultaneously with a request for card credentials including the price that will be billed and the frequency of the billing (for example, “You will be billed $9.95 per month until you cancel the subscription.”). If you utilize a negative option billing model, you must disclose the terms of the trial including any initial charges, the length of the trial period, and the price and frequency of the subsequent subscription (for example, “You will be billed $2.99 today for a 30-day trial. Once the trial ends, you will be billed $19.99 each month thereafter until you cancel.”).
Clearly and prominently display the subscription terms on any payment and order summary webpages and capture a cardholder’s affirmative acceptance of the subscription terms before the subscription order.¹
Promptly send a subscription order confirmation to the cardholder through an email message or other electronic communication method that includes the subscription terms. The confirmation message must include or provide access to instructions for account management capabilities, including instructions for cancelling the subscription (and thereby withdrawing permission for any subsequent payment transactions).
Provide the cardholder with a transaction receipt through an email message or other electronic communication method that includes the amount and reason for the billing and provides access to instructions for account management capabilities, including cancelling the subscription (and thereby withdrawing permission for any subsequent recurring payment transactions) and an opt-out for receiving these notices.
Provide an online or electronic cancellation method (similar to unsubscribing from email messages or any other electronic method) or clear instructions on how to cancel that are easily accessible online (such as a “Manage Subscription” or “Cancel Subscription” link on the merchant’s home page).
Send an electronic reminder to the cardholder at least seven days prior to the next billing date that includes the subscription terms and provides access to instructions for account management capabilities, including instructions for cancelling subscription for any subscription where the billing frequency is every six months (180 days) or less frequently (e.g. cardholder is billed every six months, every year, every two years, etc.). The communication must clearly reference in the subject line that it relates to upcoming charges to the cardholder (for example, “Important Information About Upcoming Charges to Your Account”) and the message must be distinct from marketing communications that are otherwise sent to the cardholder.

Not-for-profit or charity merchants: The standards above are only best practice recommendations for any not-for-profit or charity merchants that use a recurring payment plan. These standards become requirements when a not-for-profit or charity merchant that uses a recurring payment plan is identified for four months or more in the existing Acquirer Chargeback Monitoring Program (ACMP) as an Excessive Chargeback (ECM), a High Excessive Chargeback Merchant (HECM) and/or an Excessive Fraud Merchant (EFM) within the same audit period.

Please visit this page for more information on the ACMP.

_{1. Applies to e-commerce merchants}

_{Updated January 13, 2023}

_{Published March 21, 2022}

September 2022 – Merchant Standards for Negative Option Billing Merchants

Update: We are changing the effective date of the Mastercard Merchant Standards for Negative Option Billing from March 21, 2022 to September 22, 2022.

On September 22, 2022, Mastercard will update its requirements for negative option billing model. The change promotes transparency to cardholders and prevention of disputes on transactions that are initiated by an agreement between the cardholder and the merchant whereby the cardholder agrees to receive from the merchant a sample of the product or services (either complimentary or at a nominal price) for a trial period. The sample may be larger, equal to, or smaller than the product provided by the merchant during the subscription period.

After the trial period has expired, the cardholders previously-provided account credentials may be used to submit transactions on a recurring basis each time the product is shipped, delivered, or otherwise made available to the cardholder, until either:

The cardholder takes action to terminate the agreement with the merchant (for example, notifying the merchant to cancel the subscription)
The merchant terminates the agreement
The subscription expires

The following standards below apply to recurring payment transactions associated with negative option billing merchants offering digital goods or services:

For digital goods and services: No less than three days and no more than seven days prior to end of the trial period, a reminder notification must be sent to the cardholder that the subscription plan will commence if the cardholder does not cancel, or whenever terms and conditions will change. This notification must include the basic terms of the subscription and clear instructions on how to cancel. The reminder can be completed by email or any other electronic methods.
For physical products: After the trial period has expired, the following information must be provided to the cardholder and explicit consent must be received in relation to this information before an authorization request is submitted for the initial recurring payment transaction for the full-size or regular product:
- The date the subscription period begins
- The transaction amount
- The payment date of the transaction^*
- The merchant name as it will appear on the cardholder's statement
- Instructions for terminating the recurring payment transaction cycle (for example, cancelling the subscription service) at the cardholder's discretion
Each time an approved authorization request is received, a transaction receipt through an email message or other electronic communication method (such as an SMS "text message") including instructions for terminating the recurring payment transaction cycle (such as cancelling the subscription service) must be provided to the cardholder. If a transaction receipt is provided after a declined authorization, it must state the reason for the decline response.
Written confirmation must be provided to the cardholder, in either hard copy or electronic, at least seven (7) days in advance when any of the following events occur:
- Merchant is revising the subscription billing terms
- The recurring payment transaction cycle has been terminated by either the merchant or the cardholder, in which case the notice must be sent no more than seven days after the cardholder's decision to cancel

_{* Note: After the cardholder has provided consent, the merchant may not change this date; however, a later payment date may be offered by the merchant prior to consent, if the authorization request results in a declined response from the issuer due to insufficient funds in the cardholder's Account.}

_{Updated November 3, 2022}

_{Published March 21, 2022}

OptBlue Revised Policy on Alternate MCC for Previously Declined Transactions

American Express revised their policy on the use of alternate Merchant Category Codes (MCC) for declined transactions. Altering an MCC to resubmit a transaction that was previously declined by American Express is strictly prohibited and may be assessed a non-compliance fee as shown below.

Table – American Express Merchant Acquiring Non-Compliance Fee

Instance of Violation	Fee Assessment
First Violation	Warning letter with specific date and action for correction
Second Violation of the same policy regulation within a 12-month period after notification of the first violation	Up to $50,000
Third and all subsequent violation of the same policy regulation within a 12-month period after notification of the first violation	Up to $100,000

_{Published September 27, 2022}

October 2022 – OptBlue Change in Estimated Annual Charge Volumes (ECV) Threshold

On October 14, 2022, American Express OptBlue will update their ECV thresholds as outlined in the table below. This is for your information only and no actions are required.

Table – American Express OptBlue ECV Program Limits

Industry Category	ECV Program Limit
Industry Category	Rolling 3 months	Rolling 12 months
B2B/Wholesale	$100,000	$1,000,000
Charity	No Threshold	No Threshold
Education	No Threshold	No Threshold
Emerging Markets	$100,000	$1,000,000
Government	No Threshold	No Threshold
Healthcare	No Threshold	No Threshold
Insurance	No Threshold	No Threshold
Online Gambling	No Threshold	No Threshold
Other	$100,000	$1,000,000
Residential Rent	No Threshold	No Threshold
Restaurant	$100,000	$1,000,000
Retail	$100,000	$1,000,000
Services & Professional Services	$100,000	$1,000,000
Travel & Entertainment	$100,000	$1,000,000
Utilities	No Threshold	No Threshold

_{Published September 27, 2022}

October 2023 – Updated Processing Days Requirement

On October 13, 2023, Discover will reduce the number of business days required to process sales data from 3 business days to 2 business days. Sales data that isn’t processed within 2 business days may be reclassified to the Commercial Base Submission level program. Below are the impacted MCCs:

Emerging Markets

Public Services

o 4899

o 5968

o 5983

o 6533

o 8211

o 8220

o 8299

o 8351

o 4784

o 9211

o 9222

o 9223

o 9311

o 9399

o 9405

_P2023.0608

_{Published August 15, 2023}

October 2023 – Merchant Number Requirement Update

Effective October 13, 2023, you are no longer required to provide the Discover merchant number in card transaction documentation when responding to a dispute notice.

_P2023.0612

_{Published August 15, 2023}

October 2023 – Updated TDCC and POS Entry Mode Requirements in the U.S. and U.S. Territories

On October 13, 2023, Discover will update their POS entry mode to include 01 (Manual-Key Entered) when the transaction data condition code (TDCC) 60 is received. Please include the code you receive in the settlement message for all card transactions.

Please visit our Developer Center for the program specifications to avoid mismatching or skipping the TDCC value, which will result in a pricing program qualification downgrade.

_P2023.0607

_{Published August 15, 2023}

October 2023 – Update to Authorization Processing Requirements

Effective October 13, 2023, estimated authorizations for Discover lodging industry transactions will only be valid if they meet the following conditions:

The authorization is obtained at any time between the check-in date and check-out date, to a maximum of thirty (30) calendar days after check-in, and
The amount of the charge is less than or equal to 115% of the authorized amount

_P2023.0618

_{Published August 15, 2023}

Updated Card Identification Data Requirements for CNP Transactions in the U.S., Puerto Rico, and the U.S. Virgin Islands

Discover is requiring that card identification data (CID) be submitted with authorization requests for card-not-present transactions. Failure to include the CID may result in a declined authorization response.

_P2023.0614

_{Published July 14, 2023}

April 2023 – Transaction Data Condition Code Updates

Update: Discover is changing the effective date of their updated transaction data condition codes (TDCC) to April 28, 2023.

On April 14, 2023, Discover will update their transaction data condition codes (TDCC) that are sent in Authorization Response Messages. A mismatch between an authorization and settlement TDCC may cause card transactions to downgrade from the Prime Submission Pricing Programs. Specific TDCCs may also be required to be compliant with the interchange program.

The updated TDCC specifications will be available in our Developer Center on March 31.

_P2022.1190a

_P2022.1190

_{Updated April 14, 2023}

_{Published March 15, 2023}

Support for JCB and UnionPay Acceptance in the U.S. and the U.S. Territories

Update: Discover is clarifying their JCB and UnionPay card acceptance language below and these changes take effect on October 13, 2023.

The Discover network equally supports JCB and UnionPay credit cards. You can accept JCB and UnionPay cards on the Discover Global Network under the following conditions:

JCB cards can only be accepted in the United States, Puerto Rico, the U.S. Virgin Islands and the Caribbean¹. You may not offer JCB card acceptance in any other jurisdiction.
UnionPay cards can only be accepted in the United States, Canada, Mexico, and the Caribbean¹. You may not offer UnionPay card acceptance in other jurisdictions on the Discover Global Network without obtaining Discover’s prior written approval.

Please visit our Payment Portal to obtain designated JCB and UnionPay BINs.

_{1. Anguilla, Antigua & Barbuda, Aruba, Bahamas, Barbados, Bermuda, Bonaire, Sint Eustatius & Saba, British Virgin Islands, Cayman Islands, Curacao, Dominica, Dominican Republic, Grenada, Guadeloupe, Jamaica, Martinique, Montserrat, Saint Barthelemy, Saint Kitts & Nevis, Saint Lucia, Saint Vincent & The Grenadines, Saint-Martin (French), Sint Maarten (Dutch), Trinidad & Tobago, Turks & Caicos Islands}

_{P2023.0612
P2022.0556}

_{Updated July 14, 2023
Published September 27, 2022}

NEW

April 2024 - Accel and STAR Enhancements to Dispute Rules

Effective April 30, 2024, Accel and STAR will update their dispute rules. The bank will now respond to fraud chargebacks with a pre-arbitration request, rather than a representment response, within 30 days from the chargeback initiation date. You will only see a credit after the pre-arbitration request is accepted by the card-issuing bank.

_P2023.0912

_{Published September 15, 2023}

April 2023 – Icelandic Krona Processing Updates in the U.S. and U.S. Territories

Starting April 14, 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 April 3, 2023}

_{Published March 15, 2023}

January 2023 – Adoption of the Euro Currency in the Republic of Croatia for the U.S. and the U.S. Territories

On January 1, 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 more information, please reach out to your J.P. Morgan relationship manager or client service representative.

_{Published December 12, 2022}

October 2022 – Currency Code for Sierra Leone

On October 1, 2022, we stopped support for the existing Sierra Leone currency code SLL/694. All transactions including disputes, refunds, exceptions, and chargebacks using SLL/694 will be rejected.

_{Published November 3, 2022}

January 2023 – Transition of Select Debit Networks

Starting January 1, 2023, transactions going through the Jeanie network will be rerouted to NYCE. This will avoid declines as the network is retired.

Similarly, AFFN and CULIANCE network transactions have already been rerouted to the Fiserv network.

_{Published December 12, 2022}

October 2022 – SHAZAM Capability of Terminal Value

On October 20, 2022, SHAZAM will be introducing a new Capability of Terminal (DE 22, Position 1) value 9 (Contact and Contactless Chip Read Capabilities). This will better communicate the capabilities of the terminal that initiates the transaction which will provide more accurate information to the issuing banks.

You are required to pass the appropriate Data Entry Source (DES) values for all transactions.

Please visit our Developer Center for the complete specifications required to indicate if your terminals support both contact and contactless chip read capabilities.

_{Published September 27, 2022}

October 2022 – CULIANCE® Reduces Adjustment Request Timeframe

On October 15, 2022, CULIANCE will reduce the timeframe a terminal participant may submit an adjustment request. Adjustment requests may be submitted 1 to 45 days from the original transaction settlement date.

_{Published September 27, 2022}

AFFN® Reduces Timeframe to Dispute Chargebacks

Armed Forces Financial Network (AFFN) has reduced their representment timeframe, to dispute previously sent chargebacks, to 30 calendar days from the original chargeback date.

_{Published September 27, 2022}

Mastercard® Data Integrity Monitoring Program in the U.S. and the U.S. Territories

Mastercard started a monitoring program for the necessary presence of Tag 84 (Dedicated File Name) in Field 55 (Chip EMV Data) for all chip authorization and deposit/clearing messages.

Please make sure to submit Tag 84 in Field 55 for all chip authorization deposit/clearing (submission) messages.

_{Published September 27, 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 by Visa®, Mastercard®, American Express®, and Discover® at any time. This document was prepared for informational use only and does not substitute for Visa®, Mastercard®, American Express®, and Discover® release documentation, or as a substitute for technical/coding specifications. Should there be a conflict between the information contained herein and the actual Visa®, Mastercard®, American Express®, and Discover® 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. All rights reserved. The statements herein are confidential and proprietary and not intended to be legally binding. Not all products and services are available in all geographical areas. Visit jpmorgan.com/paymentsdisclosure for further disclosures and disclaimers related to this content.

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