Please update your browser.
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.
Sign Up For Payment Brand Alerts
We’ll continue to send you regular, ongoing reminders of upcoming changes. You may also subscribe below to be alerted any time new or updated information is published here.
icon
Loading...
Potential Financial Impact
Process Changes
Rate Codes
Visa®
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 |
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 |
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 |
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 |
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
Published August 15, 2023 |
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 |
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 |
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 |
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 |
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 |
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 |
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
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
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
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
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
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
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
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
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
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
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
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
Mastercard®
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 |
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 |
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 |
|
Updated June 14, 2023 |
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 |
Updated June 14, 2023 |
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
Update: We are moving the first billing date of this fee from February 2023 to March 2023.
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 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
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
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 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
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 |
American Express®
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 |
≤ $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
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
Discover®
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
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
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
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) |
0.00% + $2.00 |
Published September 27, 2022
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
Updates for U.S. Territories
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 |
Current Fee |
New Monthly |
Revised Fees |
1 – 500,000 |
$0.0500 |
1 – 50,0001 |
$0.0925 |
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 |
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 |
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 |
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 |
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 |
Puerto Rico and the U.S. Virgin Islands |
$0.05 |
P2023.0712 P2023.0187 |
Published July 14, 2023 |
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 |
$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 |
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 |
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 |
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 |
Updated June 14, 2023 |
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 |
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 |
Yes |
Published March 15, 2023
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
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
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
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
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
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
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 rates as shown in Table 2.
Table 1 – New Eligible MCCs Qualifying for Visa B2B Virtual Payments Transactions
MCC |
Merchant Category Description |
4111 |
Local and suburban commuter passenger transportation, including ferries |
4121 |
Taxicabs and limousines |
4789 |
Transportation services (not elsewhere classified) |
5812 |
Eating places and restaurants |
5813 |
Drinking places (alcoholic beverages) – bars, taverns, nightclubs, cocktail lounges, and discotheques |
5814 |
Fast food restaurants |
5992 |
Florists |
7832 |
Motion picture theaters |
7922 |
Ticket agencies and theatrical producers (except motion pictures) |
7992 |
Public golf courses |
7996 |
Amusement parks, circuses, carnivals, and fortune tellers (effective 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
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
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) |
0.00% + $2.00 |
Published September 27, 2022
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 to 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
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 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
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 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
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 |
Debit Networks
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 |
Current Fees |
New Monthly |
Revised Fees |
1 – 500,000 |
$0.0500 |
1 – 50,0001 |
$0.0925 |
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 |
Current Fees |
New Monthly |
Revised Fees |
1 – 500,000 |
$0.015 + 0.10% |
1 – 50,0001 |
$0.0925 |
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 increased their annual Merchant Participation fee to $18 from $16. This fee is charged annually on all active merchant locations that processed a PULSE transaction. You will see it in your November 2023 billing statement.
P2022.1475 |
Published August 15, 2023 |
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 |
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 |
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
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
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 |
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
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
Visa®
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 |
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 |
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 |
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 |
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 |
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
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
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
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
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
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
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
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:
- Chase Autofill FAQs
- Google Pay Virtual Card Solution Playbook for Merchants
- Google Pay Virtual Card Number One Pager for Merchants
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
Mastercard®
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 |
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 |
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 |
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 |
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
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
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
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
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
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
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
- The date the subscription period begins
- 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
- Merchant is revising the subscription billing terms
* 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
American Express®
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
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 |
|
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
Discover®
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 |
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 |
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 |
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 |
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
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
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
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
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
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
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
Integrator's Community
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.
You're now leaving J.P. Morgan
J.P. Morgan’s website and/or mobile terms, privacy and security policies don’t apply to the site or app you're about to visit. Please review its terms, privacy and security policies to see how they apply to you. J.P. Morgan isn’t responsible for (and doesn’t provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the J.P. Morgan name.