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Process Changes
Potential Financial Impact
Rate Codes
Visa®
Effective April 12, 2024, Visa will add new spend qualified indicator (SQI) values to identify the spend tier in support of the spend qualification processing for existing and new small business products cards issued in the U.S. and Puerto Rico, as seen in the below table.
As a result, you may notice a new SQI value in your transactions specifically for small business cards issued in the U.S. and Puerto Rico.
Table – Visa New SQI Values for Small Business Products Cards Issued in the U.S. and Puerto Rico
New SQI Values |
Description |
1 |
Tier 1 – Spend assessment threshold defined by Visa has been met |
2 |
Tier 2 – Spend assessment threshold defined by Visa has been met |
3 |
Tier 3 – Spend assessment threshold defined by Visa has been met |
4 |
Tier 4 – Spend assessment threshold defined by Visa has been met |
5 |
Tier 5 – Spend assessment threshold defined by Visa has been met |
P2023.1852 |
Published March 15, 2024 |
On April 13, 2024, Visa will update the following fees and interchange rates to all transactions in the territories of French Guiana, Guadeloupe, Martinique, Mayotte, Réunion, Saint Barthélemy and Saint Martin (now part of the Europe region):
- French domestic fees and interchange rates will apply to transactions between France and these French territories.
- Intraregional European Economic Area (EEA) fees and interchange rates will apply to transactions between EEA countries and these French territories.
- Intra non-EEA fees and interchange rates will apply to transactions between non-EEA countries and these French territories.
- Interregional fees and interchange rates will apply to transactions between countries outside of the Europe region and these French territories.
P2023.2204; P2023.1854 |
Published March 15, 2024 |
Starting April 12, 2024, Visa will include debit (D) and charge (H) as account funding sources for the B2B Virtual Payment and Flexible Rate B2B products. Visa will also support POS Entry Mode Code 10, allowing credential-on-file for both products.
P2023.1850 |
Published March 15, 2024 |
Visa will update the fee edit criteria for card-present custom payment service (CPS)-qualified consumer credit transactions that are eligible for existing fee programs applicable to small merchants. Transactions must include a surcharge amount or transaction amount fee of zero to qualify for this program.
The fee edit criteria change will apply to Small Merchants programs in the following segments:
- Restaurant
- Taxi
- Real estate, education, and healthcare
- Advertising and insurance
- Services
There are no changes to Small Merchants fee programs applicable to consumer credit transactions qualified for a card-not-present CPS program. Consumer debit and prepaid card transactions, and Visa commercial card transactions are not impacted by these change.
P2023.1885 |
Published March 15, 2024 |
On April 12, 2024, Visa will introduce the Visa Multiple Account Access Service (VMAAS) which will enable cardholders to access multiple funding sources from the same card issuer, through a single Visa credential.
Please visit our Developer Center for the complete specifications related on VMAAS.
P2023.2062 |
Published March 15, 2024 |
Update: Visa is adding MCC 6535 (Value Purchase-Member Financial Institution) to the fully prohibited category, which restricts all transaction amounts.
On June 9, 2024, Visa will begin declining all domestic and cross-border transactions greater than or equal to USD 5,000 for Mainland China-based users with restricted MCCs, as outlined in Table 2.
Visa will block all domestic and cross-border transactions to issuers based in Mainland China. Specifically, transactions with merchant category codes (MCCs) indicating country code 156 (Mainland China), and in the categories listed below are affected:
Table 1 – Visa Fully Prohibited MCCs in Mainland China effective January 19, 2024
MCC |
MCC Description |
0763 |
Agricultural Co-operatives |
4829 |
Money Transfer |
6012 |
Financial Institutions – Merchandise, Services, and Debt Repayment |
60501 |
Quasi Cash-Member Financial Institution |
6051 |
Non-Financial Institutions – Foreign Currency, Liquid and Cryptocurrency Assets (for example: Cryptocurrency), Money Orders (Not Money Transfer), Account Funding (not Stored Value Load), Travelers Cheques, and Debt Repayment |
6211 |
Security Brokers/Dealers |
65291 |
Remote Stored Value Load-Member Financial Institution |
65301 |
Remote Stored Value Load |
65311 |
Payment Service Provider-Money Transfer |
65321 |
Payment Transaction - Member Financial Institution |
65331 |
Payment Transaction - Merchant |
65341 |
Money Transfer-Member Financial Institution |
65351 |
Value Purchase–Member Financial Institution |
7995 |
Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, Wagers at Racetracks, and games of chance to win prizes of monetary value |
Table 2 – Visa Restricted MCCs in Mainland China effective June 9, 2024
MCC |
MCC Description |
07431 |
Wine producers |
07441 |
Champagne producers |
1520 |
General Contractors – Residential and Commercial |
1740 |
Masonry, Stonework, Tile Setting, Plastering and Insulation Contractors |
1750 |
Carpentry Contractors |
1761 |
Roofing, Siding, and Sheet Metal Work Contractors |
1771 |
Concrete Work Contractors |
1799 |
Special Trade Contractors (Not Elsewhere Classified) |
2741 |
Miscellaneous Publishing and Printing |
2791 |
Typesetting, Plate Making and Related Services |
2842 |
Specialty Cleaning, Polishing and Sanitation Preparations |
4011 |
Railroads |
4214 |
Motor Freight Carriers and Trucking – Local and Long Distance, Moving and Storage Companies, and Local Delivery Services |
4225 |
Public Warehousing and Storage – Farm Products, Refrigerated Goods, Household Goods, and Storage |
4468 |
Marinas, Marine Service, and Supplies |
4582 |
Airports, Flying Fields, and Airport Terminals |
5013 |
Travel Agencies and Tour Operators |
5021 |
Office and Commercial Furniture |
5039 |
Construction Materials (Not Elsewhere Classified) |
5044 |
Photographic, Photocopy, Microfilm Equipment and Supplies |
5045 |
Computers and Computer Peripheral Equipment and Software |
5046 |
Commercial Equipment (Not Elsewhere Classified) |
5047 |
Medical, Dental, Ophthalmic and Hospital Equipment and Supplies |
5051 |
Metal Service Centers and Offices |
5065 |
Electrical Parts and Equipment |
5072 |
Hardware, Equipment and Supplies |
5074 |
Plumbing and Heating Equipment and Supplies |
5085 |
Industrial Supplies (Not Elsewhere Classified) |
5094 |
Precious Stones and Metals, Watches and Jewelry |
5099 |
Durable Goods (Not Elsewhere Classified) |
5111 |
Stationery, Office Supplies, Printing and Writing Paper |
5122 |
Drugs, Drug Proprietaries, and Druggist Sundries |
5131 |
Piece Goods, Notions, and Other Dry Goods |
5137 |
Men’s, Women’s, and Children’s Uniforms and Commercial Clothing |
5139 |
Commercial Footwear |
5169 |
Chemicals and Allied Products (Not Elsewhere Classified) |
5172 |
Petroleum and Petroleum Products |
5192 |
Books, Periodicals and Newspapers |
5193 |
Florists Supplies, Nursery Stock and Flowers |
5198 |
Paints, Varnishes and Supplies |
5199 |
Nondurable Goods (Not Elsewhere Classified) |
5211 |
Lumber and Building Materials Stores |
5551 |
Boat Dealers |
5599 |
Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers (Not Elsewhere Classified) |
57151 |
Alcoholic Beverage Wholesalers |
5960 |
Direct Marketing – Insurance Services |
6300 |
Insurance Sales, Underwriting, and Premiums |
63811 |
Insurance Premiums |
63991 |
Insurance, Not Elsewhere Classified |
7311 |
Advertising Services |
7321 |
Consumer Credit Reporting Agencies |
7322 |
Collection Agencies |
7333 |
Commercial Photography, Art, and Graphics |
7361 |
Employment Agencies and Temporary Help Services |
7372 |
Computer Programming, Data Processing, and Integrated Systems Design Services |
7375 |
Information Retrieval Services |
7379 |
Computer Maintenance, Repair and Services (Not Elsewhere Classified) |
7392 |
Management, Consulting, and Public Relations Services |
7399 |
Business Services (Not Elsewhere Classified) |
7829 |
Motion Picture and Video Tape Production and Distribution |
7993 |
Bowling Alleys |
7997 |
Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses |
8111 |
Legal Services and Attorneys |
8398 |
Charitable Social Service Organizations |
8641 |
Civic, Social, and Fraternal Associations |
8651 |
Political Organizations |
8661 |
Religious Organizations |
8911 |
Architectural, Engineering, and Surveying Services |
8931 |
Accounting, Auditing, and Bookkeeping Services |
8999 |
Professional Services (Not Elsewhere Classified) |
9405 |
U.S. Federal Government Agencies or Departments |
9950 |
Intra-Company Purchases |
1. Not a Visa MCC. Decline response code and message reason code for non-Visa MCCs will be the same as declines for prohibited category Visa MCCs.
P2023.1847u1 P2023.1847 |
Updated March 15, 2024 Published December 15, 2023 |
Effective August 12, 2024, Visa will require you to provide the following data fields in 3DS authentication request messages:
Table 1 – Visa EMV 3DS Minimum Data Requirements
Condition |
Data fields |
Always Required |
Cardholder Name Cardholder Email Address |
Required for browser based transactions |
Browser IP Address Browser Screen Height Browser Screen Width |
At least one must be provided |
Cardholder Phone Number (Either work, home or mobile) |
If local data privacy regulations prohibit the data from being shared, the minimum data requirements do not apply.
Visa also continues to recommend e-commerce merchants to provide all 12 of the following data fields:
Table 2 – Visa EMV 3DS Recommended Data Requirements
Condition |
Data fields |
Always Required |
Cardholder Name Cardholder Email Address |
Required for browser based transactions |
Browser IP Address Browser Screen Height Browser Screen Width |
Recommended only. Not needed for countries where the billing address do not exist |
Cardholder Billing Address Cardholder Billing Address Country Cardholder Billing Address Line Cardholder Billing Address Postal Code Cardholder Billing Address State |
At least one must be provided |
Cardholder Phone Number (Either work, home or mobile) |
Only for Software Development Kit (SDK) transactions |
Common Device Identification Parameters (Device IP Address) |
P2024.0008
P2023.1628 |
Published February 15, 2024 |
Starting January 19, 2024, Visa will no longer decline transactions in Argentine Peso made using cards issued outside Argentina.
P2023.2419 |
Published January 17, 2024 |
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 |
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 |
Update: Visa has indefinitely deferred the recent rule change impacting merchant-initiated transactions (MITs) described below. Subscribe to this page to be notified of the future effective date when it’s announced.
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.
P2023.2173 |
Updated December 15, 2023 |
P2021.1134a |
Published August 15, 2023 |
In 2024, Visa will no longer support Cardholder Verification Method (CVM) offline plaintext PIN in unattended cardholder activated terminals (UCAT). The following updates to Visa Rules will apply to all countries except Japan.
Effective Date |
Update |
January 1, 2024 |
New UCAT devices will not support (CVM) offline plaintext PIN |
January 1, 2025 |
All UCAT devices will not support (CVM) offline plaintext PIN |
P2023.1491 |
Published December 15, 2023 |
Visa updated their regional threshold for Category 3 – Data Quality declines from 10,000 to 25,000 per 30-day billing cycle. Data Quality declines usually arise when card or account testing results in authentication or verification failure.
You can implement controls to improve the data quality in authorization requests. Visa advises that you revalidate data before reattempting an authorization, and does not recommend reattempting a Category 3 declined request more than three times.
P2023.0340 |
Published November 15, 2023 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 Published March 21, 2022 |
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 |
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
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
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
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
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
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
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
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
Mastercard®
Starting April 12, 20224, Mastercard’s refund transaction authorization will be valid for 5 calendar days from the approval date, while the refund transaction must be submitted for clearing within 5 calendar days of the refund transaction date.
P2023.1830 |
Published March 15, 2024 |
Starting April 8, 2024, the collection of the Card Validation Code (CVC) 2 on tokenized and authenticated card-not-present transactions are no longer required in Guam. This will now be an optional process, as seen in the table below.
Removing the CVC 2 verification may result in higher authorization rates, lower checkout abandonment, better payment experience for customers and will reduce the instances of declined tokenized authenticated transactions.
Table – Mastercard expected merchant action on authorization of transactions
Tokenized |
3DS Authenticated |
Merchant Action |
Yes |
Yes |
Do not ask for CVC 2 |
No |
No |
Always ask for CVC 2 |
Yes |
No |
CVC 2 is optional |
No |
Yes |
P2023.2190 |
Published March 15, 2024 |
Starting April 1, 2024, card issuers are no longer required to issue Mastercard credit cards with magnetic stripes. Please work with your POS terminal providers to ensure you can accept chip-only cards.
P2021.0951 |
Published March 15, 2024 |
The Virtual Reality Headset device type/form factor is now supported by Mastercard Digital Enablement Service (MDES). Please visit our Developer Center for the complete specifications.
P2023.2426 |
Published March 15, 2024 |
Mastercard is revising their standards to clarify that they may, directly or through their partners, use your business logos and public information on their digital apps and websites, including:
- physical business location
- contact information
- sales policies
Visit Mastercard’s Logo Microsite to update your business’ logo, address, contact information, sales policies and to learn more about how these revisions may affect your business.
An added provision also states that when you have believe that any use of your business logo is inconsistent with your standards, you may contact Mastercard through us, or at their logo microsite and they will modify their usage of your logo to conform to those standards. You may also request the withdrawal of your business logo.
P2024.0013 |
Published March 15, 2024 |
Mastercard will implement the following changes to their chargeback rules starting April 12, 2024:
- Move the following late presentment chargeback from the point-of-interaction error category to the authorization-related chargeback category:
- Payment transaction clearing submission timeframes
- Contactless transit aggregated transactions
- Refund transactions
- Add the offline chip-approved transaction clearing timeframe to the authorization-related chargeback category
- Remove the late-presentment chargeback from the point-of-interaction error category
- Remove the 21-calendar days to accumulate purchase transaction records completed with manually recorded card data
P2023.2265 |
Published February 15, 2024 |
Mastercard has updated their Brand Center to include the following changes:
- The removal of trademark marking requirements for the word mark Mastercard, the Mastercard Symbol, Brand Mark, and Premium Brand Mark
- Trademark attribution notice requirements
- A new section on using Mastercard in card program name
- A new section on using card program name in marketing and card program terms and conditions
P2023.2319 |
Published February 15, 2024 |
Mastercard is monitoring existing mobile point-of-sale (mPOS) and Tap to Phone indicators to ensure they are being used correctly. Using these indicators incorrectly may result in fee assessments. Please work with your payment solutions provider to ensure that your payment application is compliant.
These required indicators differentiate internal and external mPOS terminal readers and the type of PIN entry support. Visit our Developer Center for the complete specifications.
P2022.1375 |
Published January 12, 2024 |
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 |
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
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 |
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 |
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 |
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 |
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 |
American Express®
Effective April 12, 2024, merchants with fraud performance level meeting or exceeding the Low Tier or High Tier Program Threshold set in the table below will be placed in the Fraud Full Recourse (FFR) Program.
Table – American Express Low Tier and High Tier Program Threshold
Program Tier |
Fraud Performance Level |
Program Threshold |
Low Tier Program Threshold |
Your monthly Fraud to Gross1 (FTG) charges are equivalent or greater than 0.9%, and |
Following the date of notice, you must reduce your fraud performance levels below the Low Tier Program Threshold for three consecutive calendar months. Otherwise, you will be subject to FFR chargebacks and no longer qualify for fraud liability shift. |
You have fraud-related disputes with a minimum of $25,000 in a one-month period. |
||
High Tier Program Threshold |
Your monthly FTG1 charges are equivalent or greater than 1.8%, and |
Following the date of notice, you will be subject to FFR chargebacks and will no longer qualify for fraud liability shift. |
You have fraud-related disputes with a minimum of $50,000 in a one-month period. |
You will be moved from the Low Tier to the High Tier program if you meet or exceed the High Tier Program thresholds. You will stay in the High Tier program until you are removed.
To be removed from the FFR Program and have your fraud liability reinstated, your fraud performance levels must fall below either of the following thresholds:
- Your fraud-related disputes to gross charges ratio is below 0.9% per month for three consecutive months, or
- Your fraud-related disputes amount is below $25,000 per month for three consecutive months.
1. Fraud to Gross (FTG) means the ratio of fraudulent transactions as compared to total charge volume in a single month, provided that both volume amounts are in the same currency.
P2023.1950 |
Published February 15, 2024 |
Effective April 2024, you will no longer be subjected to card-not-present (CNP) fraud chargebacks when you submit an approved CNP transaction with a “no match” card identification data verification.
P2023.0891 |
Published October 13, 2023 |
American Express OptBlue® made changes to the supporting documents/requirements to request a chargeback reversal on the following types of chargebacks shown in the tables below.
Table 1 – American Express OptBlue® Cardholder Dispute Chargebacks
Cardholder Dispute Chargebacks |
Requirements for Chargeback Reversal |
Chargeback Time Frame |
1. Credit not processed |
|
|
2. Goods/services returned or refused |
|
|
3. Goods/services canceled |
|
|
4. Goods/services not received or only partially received |
|
Either of the following:
|
5. Paid by other means |
|
|
6. “No show” or CARDeposit [CRA(P1] [TA(I2] canceled |
|
|
7. Cancellation of recurring goods/services |
|
|
8. Goods/services not as described |
|
Either of the following:
|
9. Goods/services damaged or defective |
|
Either of the following:
|
10. Vehicle rental – capital damages, theft or, loss of use |
|
|
1. Not applicable to card not present charges and digital wallet payments.
P2023.1948 |
Published January 12, 2024 |
Discover®
Effective April 12, 2024 Discover will restrict consumer credit card products in qualifying for the Emerging Markets Consumer interchange rate. The following Merchant Category Codes (MCCs) will only qualify for the interchange programs listed in the table.
Table – MCCs and qualified interchange programs
MCC |
Interchange programs for credit card transactions |
4869, 5968, 5983, 6533, 8211, 8220, 8299, 8351 |
U.S. Consumer Retail |
Note: Consumer debit and prepaid card transactions with MCCs 4899, 5968, 5983, 6533, 8211, 8220, 8299, 8351 will continue to qualify under Emerging Markets interchange program.
P2023.1927; P2023.1926 |
Published March 15, 2024 |
A declined/rejected response will be received for every identified fraudulent transaction in the United States, U.S. Virgin Islands and Puerto Rico starting April 12, 2024.
P2023.1920 |
Published March 15, 2024 |
Discover corrected their AFD authorization threshold to $175.00 from $125.00 in the U.S. For merchants outside the U.S., the equivalent originating currency will apply.
P2024.0075 |
Published March 15, 2024 |
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:
|
|
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 |
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 |
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 |
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 |
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 |
Updated July 14, 2023 |
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 |
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 |
All Networks
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 |
Please visit our Developer Center for the complete list of Issuer Decline Response Codes that are being retired by PULSE. These response codes are being removed due to a streamlining activity conducted by PULSE in 2022.
P2023.1821 |
Published January 12, 2024 |
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.
Updated April 3, 2023
Published March 15, 2023
You can access Payment Brand updates in Commerce Center, Resources Online, or Paymentech Online by following these instructions:
- Commerce Center
Navigate to Support > Learning Center > Payment Brand Updates - Resources Online
Navigate to Quick Links > Payment Brand Updates - Paymentech Online
Navigate to “Resources > Payment Brand Updates
For login inquiries, please contact your system admin.
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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