Commercial Banking

From startups to legacy brands, you're making your mark. We're here to help.

Innovation Economy
Fueling the success of early-stage startups, venture-backed and high-growth companies.
Midsize Businesses
Keep your company growing with custom banking solutions for middle market businesses and specialized industries.
Large Corporations
Innovative banking solutions tailored to corporations and specialized industries.
Commercial Real Estate
Capitalize on opportunities and prepare for challenges throughout the real estate cycle.
Community Impact Banking
When our communities succeed, we all succeed. Local businesses, organizations and community institutions need capital, expertise and connections to thrive.
International Banking
Power your business' global growth and operations at every stage.

Key Links

Credit and Financing

Prepare for future growth with customized loan services, succession planning and capital for business equipment.

Asset Based Lending
Enhance your liquidity and gain the flexibility to capitalize on growth opportunities.
Equipment Financing
Maximize working capital with flexible equipment and technology financing.
Trade & Working Capital
Experience our market-leading supply chain finance solutions that help buyers and suppliers meet their working capital, risk mitigation and cash flow objectives.
Syndicated Financing
Leverage customized loan syndication services from a dedicated resource.
Commercial Real Estate
Capitalize on opportunities and prepare for challenges throughout the real estate cycle.
Employee Stock Ownership Plans
Plan for your business’s future—and your employees’ futures too—with objective advice and financing.

Key Links

Institutional Investing

Serving the world's largest corporate clients and institutional investors, we support the entire investment cycle with market-leading research, analytics, execution and investor services.

Institutional Investors
Putting your long-tenured investment teams on the line to earn the trust of institutional investors.
Markets
Direct access to market leading liquidity harnessed through world-class research, tools, data and analytics.
Prime Services
Helping hedge funds, asset managers and institutional investors meet the demands of a rapidly evolving market.
Global Research
Leveraging cutting-edge technology and innovative tools to bring clients industry-leading analysis and investment advice.
Securities Services Solutions
Helping institutional investors, traditional and alternative asset and fund managers, broker dealers and equity issuers meet the demands of changing markets.

Key Links

Investment Banking

Providing investment banking solutions, including mergers and acquisitions, capital raising and risk management, for a broad range of corporations, institutions and governments.

Center for Carbon Transition
J.P. Morgan’s center of excellence that provides clients the data and firmwide expertise needed to navigate the challenges of transitioning to a low-carbon future.
Corporate Finance Advisory
Corporate Finance Advisory (“CFA”) is a global, multi-disciplinary solutions team specializing in structured M&A and capital markets. Learn more.
Development Finance Institution
Financing opportunities with anticipated development impact in emerging economies.
Sustainable Solutions
Offering ESG-related advisory and coordinating the firm's EMEA coverage of clients in emerging green economy sectors.
Mergers and Acquisitions
Bespoke M&A solutions on a global scale.
Capital Markets
Holistic coverage across capital markets.

Key Links

Private Bank

A uniquely elevated private banking experience shaped around you.

Banking
We have extensive personal and business banking resources that are fine-tuned to your specific needs.
Investing
We deliver tailored investing guidance and access to unique investment opportunities from world-class specialists.
Lending
We take a strategic approach to lending, working with you to craft the right financing solutions matched to your goals.
Planning
No matter where you are in your life, or how complex your needs might be, we’re ready to provide a tailored approach to helping your reach your goals.

Wealth Management

Whether you want to invest on your own or work with an advisor to design a personalized investment strategy, we have opportunities for every investor.

Invest on your own
Unlimited $0 commission-free online stock, ETF and options trades with access to powerful tools to research, trade and manage your investments.
Work with our advisors
When you work with our advisors, you'll get a personalized financial strategy and investment portfolio built around your unique goals-backed by our industry-leading expertise.
Expertise for Substantial Wealth
Our Wealth Advisors & Wealth Partners leverage their experience and robust firm resources to deliver highly-personalized, comprehensive solutions across Banking, Lending, Investing, and Wealth Planning.

Key Links

For Companies and Institutions

Commercial Banking
From startups to legacy brands, you're making your mark. We're here to help.
Institutional Investing
Serving the world's largest corporate clients and institutional investors, we support the entire investment cycle with market-leading research, analytics, execution and investor services.
Payments
Your partner for commerce, receivables, cross-currency, working capital, blockchain, liquidity and more.
Credit & Financing
Prepare for future growth with customized loan services, succession planning and capital for business equipment.
Investment Banking
Providing investment banking solutions, including mergers and acquisitions, capital raising and risk management, for a broad range of corporations, institutions and governments.

Key Links

For Individuals

Private Bank
A uniquely elevated private banking experience shaped around you.
Wealth Management
Whether you want to invest on you own or work with an advisor to design a personalized investment strategy, we have opportunities for every investor.

Key Links

About Us

We aim to be the most respected financial services firm in the world, serving corporations and individuals in more than 100 countries.

Key Links

Payments
Client Resource Center
PBI
Payment Brand Changes U.S.

Payment Brand Changes

U.S. Edition

We are providing important information from the Payment Brands regarding changes to operating rules, compliance requirements, and other industry updates that may impact your integrated solutions to Chase. 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.

Visa®

On April 15, 2025, Visa will activate 3-D Secure (3DS) server service providers of acquired merchants to receive the Visa Protect Authentication Intelligence (VPAI) score, formerly known as the Visa Risk Based Authentication Score. The VPAI score can help you manage fraud risk by providing more data for analysis and simplifying the checkout process for low-risk customers.

Please contact your 3DS server service providers to learn how to use and access the VPAI score to your advantage.

_{Published April 15, 2025 | P2025.0396}

On April 15, 2025, Visa will activate 3-D Secure (3DS) servers for merchants to receive the Visa Protect Authentication Intelligence (VPAI) score in authentication response messages for Visa Data Only (VDO)authentication requests.

VDO is an information-only authentication data exchange between the merchant and card-issuer through Visa Secure messages wherein complete authentication is not performed for VDO transactions, which makes merchants unaware of the risk level of the data they supply. The VPAI score, formerly known as the Visa Risk Based Authentication Score can help you manage fraud risk by providing more data for analysis and simplifying the checkout process for low-risk customers.

Please contact your 3DS server service providers to learn how to access and use the VPAI score to your advantage.

_{Published April 15, 2025 | P2025.0395}

Visa is reminding everyone that transaction identifiers from previous merchant-initiated transaction (MIT) can no longer be used for new token MIT series. Instead please do the following:

Use the transaction ID from the initial cardholder-initiated transaction (CIT), and
include the correct POS Environment Code in the initial CIT.

Visit our Developer Center for the complete specifications required to be compliant with this change.

_{Published April 15, 2025 | P2025.0426a}

Update: The effective date of this change has been postponed until further notice by Visa.

Starting July 31, 2025, Visa will no longer honor the tokenized standing instruction merchant-initiated transactions (MIT) listed below, sent with a newly generated device token. 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 August 1, 2025.

To avoid any payment disruptions, please work with your token service providers to replace the device tokens with card-on-file tokens for standing instruction MITs. You may also contact your JPMorganChase representative to find the right token solution for you.

_{Updated April 15, 2025 | P2025.0360

Updated December 13, 2024 | P2024.0093

Updated June 14, 2024 | P2024.0093

Updated December 15, 2023 | P2023.2173

Published August 15, 2023 | P2021.1143a}

Update: Visa extended their Visa Flexible Credential (VFC) service, formerly known as Visa Multiple Account Access Service (VMAAS) to Guam.

On April 12, 2024, Visa will introduce the Visa Multiple Account Access Service (VMAAS) which will enable cardholders to access multiple funding sources from the same card issuer, through a single Visa credential.

Please visit our Developer Center for the complete specifications related on VMAAS.

_{Updated April 15, 2025 | P2024.1958

Published March 15, 2024 | P2023.2062}

Update: Visa has extended the expiration date of the Visa Smart Debit/Credit (VSDC) Certificate Authority (CA) 1984-bit public key to December 31, 2034 as shown in the below table. The expiration date of the 1408-bit public key remains the same.

Visa has extended the expiration date of the Visa Smart Debit / Credit (VSDC) Certificate Authority (CA) keys for the 1984-bit public key.

Please reach out to your point-of-sales (POS) service provider to ensure that all terminals supporting Offline Data Authentication or Offline Enciphered PIN contain Visa public keys with the updated expiration dates shown below. Take note to not use expired keys or keys past their expiration date.

Table – Visa Extended Expiration Date for VSDC CA Key

VSDC CA Keys	Current Expiration Date	New Expiration Date
VSDC CA 1408-bit public key	December 31, 2024	Remains unchanged
VSDC CA 1984-bit public key	December 31, 2033	December 31, 2034

_{Updated December 13, 2024 | P2024.1949

Published November 15, 2024 | P2022.1122}

On April 11, 2025, Visa will introduce the following new response codes under category 2:

1. Transaction not supported/blocked by Issuer.

2. Blocked by cardholder/contact cardholder.

Avoid system failures by referring to the “Authorization Retry Strategy - Orbital, Stratus, and Tandem Supplemental Guide” in our Developer Center to make sure your systems are able to receive and submit the new authorization response codes in clearing.

_{Published March 14, 2025 | P2024.1963}

Effective April 1, 2025, the ANG/532 (Netherlands Antilles Guilder) domestic currency for Curaçao and Sint Marten will be converted to the new domestic currency, XCG/532 (Carribbean Guilder) by Visa. This change is in accordance with the Central Bank conversion, and there will be no changes to the ISO Number (532) or minor units.

_{Published Janaury 10, 2025 | P2024.2017, P2024.1198}

Last April 15, 2023, Visa implemented 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 assess 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.

_{Republished December 13, 2024 | P2022.1437a

Published March 15, 2023 | P2022.1437}

Visa Multiple-Account Access Services (VMAAS) has been renamed Visa Flexible Credential. While all features of the program remain the same, please note that the old program name may still be referenced in earlier published documents.

_{Published November 15, 2024 | P2024.1107}

Effective immediately, the Visa Secure program will support the use of the EMV 3-D Secure (3DS) Bridging Message Extension v2.0 that provides access to these 2.3.1.1 functionalities:

New options for existing data fields and sub-fields to support Payment Services Directive 2 (PSD2) strong customer authentication exemptions, recurring payments and token data
Decoupled authentication fallback, where the issuer may prompt the cardholder to authenticate at a later time in cases where the initial authentication could not occur
Improvements to the Out-of-Band (OOB) challenge flow, including a redirect from the merchant app to the authentication app
Split Software Development Kit (SDK) enhancements and additional parameters for SDK device information
Changes to the UI/UX requirements for a refined cardholder experience
Web Authentication (WebAuthn) and Secure Payment Confirmation (SPC), built on the Fast Identity Online (FIDOTM) standard, which introduces a streamlined authentication method during the payment transaction process on the web
Updates to the Preparation Request (PReq)/Preparation Response (PRes) messages

For full details on EMV 3DS 2.3.1.1, refer to the EMV® 3-D Secure Protocol and Core Functions Specification v2.3.1.1 on the EMVCo website.

Visa encourages the adoption of v2.0 of their Bridging Message Extension. The table below outlines the changes from the Bridging Message Extension v1.0 to v2.0.¹

Table – Visa Bridging Message Extension v1.0 to v2.0 Changes

Data Set	Bridging Message Extension v1.0	Bridging Message Extension v2.0
Recurring Data	Includes information on the recurring amount/currency, effective date of the payment, payment amount type (fixed or variable) and frequency	Adds a data element for the expiry date of the recurring payment
Challenge Data	Additional functionality to allow the transfer of user experience from the merchant app to the issuer app for OOB authentication	Adds the ability for the access control server to request that the 3DS SDK masks the data entered by the cardholder during a challenge Clarifies that the challenge data is only provided for EMV 3DS 2.2.0 Challenge Request (CReq)/Challenge Response (CRes) messages
Additional Data	Includes the new data elements and values available in EMV 3DS 2.3.1.0	Provides data elements to properly use FIDOTM in EMV 3DS transactions and Electronic ID as an authentication method as defined in EMV 3DS 2.3.1.1

Please refer to EMV® 3-D Secure Bridging Message Extension v2.0 and EMV® Specification Bulletin (SB) No. 295 available on the EMVCo website for further details.

Please contact your third party authentication provider for implementation of the enhancements outlined above.

_{1. As with v1.0 of the Bridging Message Extension, Visa will not support the File URL data within the Bridging Message Extension v2.0.}

_{Published October 15, 2024 | P2024.0829}

Starting October 19, 2024, Visa will no longer allow domestic transactions for account ranges identified as cross-border only. Please expect these transactions to be declined.

_{Published September 13, 2024 | P2024.0633, P2024.1283}

Update: Beginning October 18, 2024, the new Authorization Characteristics Indicator (ACI) value of D (EDQP transaction (not CPS)) will be supported in all transactions.

Effective October 1, 2024, Visa will require all regions to retain and return all common key data elements in clearing transactions. This includes a new data element called Account Funding Source shown in the table below.

In addition, beginning October 18, 2024, the new ACI value of D (Electronic Data Quality Program (EDQP) transaction (not CPS)) will be supported in all transactions.

Contact your service provider if your system is not supported by Chase to ensure that the account funding source is retained in authorization and returned in clearing.

Please comply with these requirements to avoid reclassification and result to a different interchange rate or fee.

Table – Visa Required Common Data Elements in Clearing Transactions

Data Element	Description
Account Number	Payment credential presented in transaction
Authorized Amount	Amount presented in the authorization response
Authorization Code	Authorization result
Authorization Characteristics Indicator (ACI)	Assigned by Visa in authorization
Authorization Response Code	Approved response code
Authorization Currency Code	Currency of the authorization
Account Funding Source (AFS)¹	Funding source type associated with payment credential
Cardholder Identification (ID) Method	Type of ID used to identify the cardholder
Cashback Amount	Contains the purchase cashback amount expressed in the acquirer transaction currency
Market-specific Authorization Data Indicator	Identifies the industry for which market-specific data has been provided
Merchant Category Code	Merchant designation of goods or services sold
POS Entry Mode	Method used to capture the payment credential
Product ID	Visa product identifier associated with transaction value
Transaction Identifier	Unique Visa assigned identifier used to link authorization, clearing, and dispute transactions
Validation Code	Unique cryptographic result used to ensure data between authorization and clearing has not been modified
Electronic Commerce Indicator (ECI)/MOTO Indicator²	Indicates the type of transaction performed by mail order, telephone or electronic commerce
Spend Qualification Indicator	Value assigned during authorization response to identify the spending categorization
POS Environment	Value that reflects the nature of the transaction

_{1. Account Funding Source is a newly added data element populated in the transaction response beginning October 2024.

2. Formal name is Mail/Phone/Electronic Commerce and Payment Indicator.}

_{Updated September 15, 2024 | P2024.0623

Published July 15, 2024 | P2023.2332, P2023.2103, P2023.2050, P2023.1842, P2023.2096, P2024.0395, P2024.0623, P2023.2420}

Effective October 18, 2024, Visa will increase the maximum transaction amount of their fleet credit products to $1,000 from $500 to qualify for the Custom Payment Service (CPS)/Automated Fuel Dispenser (AFD) fee program.

Other card products must continue to have a final transaction amount of $500 or less to be eligible for the CPS/AFD fee program.

_{Published August 15, 2024 | P2024.0679, P2023.1081f}

On October 18, 2024, Visa will introduce new Commercial Fee Programs for Visa Corporate and Visa Purchasing credit transactions with Level 2 and Level 3 data applicable to MCCs listed in Table 2.

Table 1 – Preliminary Qualifications for the New Visa Commercial Fee Programs for Corporate and Purchasing Credit Transactions

Program

Update

Commercial Fuel Level 2 Program

Interchange Rate: 2.20% + $ 0.10

Will replace Visa Corporate - Fuel - Level 2 and Visa Purchasing Card - Fuel - Level 2.

Corporate and purchasing transactions under the MCCs listed in Table 2 that have Level 2 Tax Data and do not qualify for the new Commercial Fuel Level 2 fee program may qualify to either of the two programs as applicable (1) Visa Corporate Credit – Non Travel Service Level 2, (2) Visa Purchasing Credit – Non Travel Service Level 2.

Qualifications:

Type of transactions: Single Fuel¹, Fuel & Non-fuel², Multiple Fuel Transactions.

Level 2 data requirements:

Product Code, Type of Purchase, Unit of Measure, Quantity, Gross Fuel Price.

Commercial Fuel Level 3 Program

Interchange Rate: 1.90% + $ 0.10

Will replace Corporate Credit—Non-Travel Service, Level 3 and Purchasing Credit—Non-Travel Service, Level 3.

Existing Non-travel Service Level 3 programs will continue to apply to Visa Corporate and Visa Purchasing transactions from Non-T&E MCCs excluding MCCs listed in Table 2).

Qualifications:

Type of transactions: Fuel & Non-fuel², or Multiple Fuel Transactions.

Level 2 data requirements: Product Code, Type of Purchase, Unit of Measure, Quantity, Gross Fuel Price.

Level 3 data requirements: Both Purchase Summary line item and Purchase Detail line item data are required.

Type of transactions: Non-fuel²

Level 2 data requirements: Gross Non-fuel Price and Net Non-fuel Price.

Level 3 data requirements: Both Purchase Siummary line item and Purchase Detail line item data are required.

Table 2 – Visa Fuel/Fleet Merchant Category Codes

MCC	Description
4468	Marinas, marine service, and supplies
4582	Airports, flying fields, and airport terminals
5172	Petroleum and petroleum products
5499	Miscellaneous food stores – convenience stores and specialty markets
5541	Service stations (with or without ancillary services)
5542	Automated fuel dispensers
5552	Electric vehicle charging
5983	Fuel dealers – fuel oil, wood, coal, and liquefied petroleum
7523	Parking lots, parking meters and garages
7542	Car washes

To make sure transactions qualify for these new programs and avoid possible compliance fees, visit our Developer Center for the complete requirements and technical specifications.

_{1. Single Fuel purchase transactions are not eligible for Level 3 Fee programs.

2. Non-fuel transactions are not eligible for the new Commercial Fuel Level 2 Fee program, may qualify for existing non T&E Level 2 Fee programs as applicable based on card type.}

_{Published August 15, 2024 | P2024.0678}

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.

_{Published June 14, 2023 | P2022.1505; P2023.1557; P2024.1780}

On August 22, 2024, the current Visa EMV® 3-D Secure (3DS) Software Development Kit (SDK) encryption key certificate will expire. All SDKs must obtain, bundle and start using the new encryption key certificate before this date. This change only applies to those using an app SDK to incorporate 3DS authentication into their own application. Merchants using 3DS in a web browser are not impacted by this change.

To avoid service interruption, please follow the two-step process below:

First, if you use a hosted solution for your EMV® 3DS SDK, check with your hosted solution provider to ensure they are following the required changes on your behalf
Second, integrate the updated 3DS SDK into your merchant app, publish a new version of the app, and advise end consumers/device holders to update the app on their device(s)

_{Published August 15, 2024 | P2024.0096}

Update: Visa removed the Browser Screen Height and Width from the minimum data required fields.

Effective August 12, 2024, Visa will require you to provide the following data fields in 3DS authentication request messages:

Table 1 – Visa EMV 3DS Minimum Data Requirements

Condition	Data fields
Always Required	Cardholder Name Cardholder Email Address
Required for browser based transactions	Browser IP Address
At least one must be provided	Cardholder Phone Number (Either work, home or mobile)

If local data privacy regulations prohibit the data from being shared, the minimum data requirements do not apply.

Visa also continues to recommend e-commerce merchants to provide all 12 of the following data fields:

Table 2 – Visa EMV 3DS Recommended Data Requirements

Condition	Data fields
Always Required	Cardholder Name Cardholder Email Address
Required for browser based transactions	Browser IP Address Browser Screen Height Browser Screen Width
Recommended only. Not needed for countries where the billing address do not exist	Cardholder Billing Address Cardholder Billing Address Country Cardholder Billing Address Line Cardholder Billing Address Postal Code Cardholder Billing Address State
At least one must be provided	Cardholder Phone Number (Either work, home or mobile)
Only for Software Development Kit (SDK) transactions	Common Device Identification Parameters (Device IP Address)

_{Updated October 15, 2024 | P2024.1395

Published April 15, 2024 | P2024.0008, P2023.1628}

Visa has allowed the use of paper-sourced (wood fiber) materials to produce Visa-branded non-reloadable prepaid cards manufactured by a certified card manufacturer. These cards, not exceed a five-year expiration, will have magnetic stripes but not chips.

_{Published August 15, 2024 | P2024.0965}

Update: Visa clarified that the maximum transaction amount of debit products for the Visa Commercial Omni¹ and Visa Commercial Choice Travel² programs is $749,999.99.

Starting April 12, 2024, Visa will include debit (D) and charge (H) as account funding sources for the Visa Commercial Omni¹ and Visa Commercial Choice Travel² programs. Visa will also support POS Entry Mode Code 10, allowing credential-on-file for both products.

_{1. Formerly known as Visa B2B Virtual Payments Program

2. Formerly known as Visa Flexible Rate B2B Virtual Program}

_{Updated August 15, 2024 | P2023.1850u3

Published March 15, 2024 | P2023.1850}

Effective July 19, 2024, Visa will decline cross-border transactions of India-issued cards with the following gambling merchant category codes (MCCs):

MCC 7995 - Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, Wagers at Race Tracks and games of chance to win prizes of monetary value
MCC 9406 - Government-Owned Lotteries (Non-U.S. region)

_{Published July 15, 2024 | P2024.0636}

Visa has renamed their B2B Virtual Payments Programs as shown in Table 1 and as a result, fee names, seen in Table 2, have also been updated.

Please note that current program names may still be referenced in Visa documents and online channels.

Table 1 – Visa Renamed B2B Payment Programs

Previous Name	New Name
Visa B2B Virtual Payments Program	Visa Commercial Choice Travel Program
Visa Flexible Rate B2B Virtual Program	Visa Commercial Choice Omni Program

Table 2 – Visa Updated Fee Names

Current Fee Name	New Fee Name
Visa Canada - Global B2B Virtual Payments	Visa Canada - Global B2B Virtual CommercialChoice Travel
Visa US - Global B2B Virtual Payments	Visa US - Global B2B Virtual CommercialChoice Travel
Visa LAC - Global B2B Virtual Payments	Visa LAC - Global B2B Virtual CommercialChoice Travel
Visa AP - Global B2B Virtual Payments	Visa AP - Global B2B Virtual CommercialChoice Travel
Visa Europe - Global B2B Virtual Payments	Visa Europe - Global B2B Virtual CommercialChoice Travel
Visa Global B2B Virtual Payments - Program 1	Visa Global B2B Virtual CommercialChoice Travel-Prog 1
Visa Global B2B Virtual Payments - Program 2	Visa Global B2B Virtual CommercialChoice Travel-Prog 2
Visa Global B2B Virtual Payments - Program 3	Visa Global B2B Virtual CommercialChoice Travel-Prog 3
Visa Global B2B Virtual Payments - Program 4	Visa Global B2B Virtual CommercialChoice Travel-Prog 4
Visa Global B2B Virtual Payments - Program 5	Visa Global B2B Virtual CommercialChoice Travel-Prog 5
Visa Global B2B Virtual Payments - Program 6	Visa Global B2B Virtual CommercialChoice Travel-Prog 6
Visa Global B2B Virtual Payments-Program 8	Visa Global B2B Virtual CommercialChoice Travel-Prog 8
Visa Global B2B Virtual Payments-Program 9	Visa Global B2B Virtual CommercialChoice Travel-Prog 9
Visa Global B2B Virtual Payments-Program 10	Visa Global B2B Virtual CommercialChoice Travel-Prog 10
Visa Global B2B Virtual Payments-Program 11	Visa Global B2B Virtual CommercialChoice Travel-Prog 11
Visa Global B2B Virtual Payments-Program 12	Visa Global B2B Virtual CommercialChoice Travel-Prog 12
Visa Global B2B Virtual Payments-Program 13	Visa Global B2B Virtual CommercialChoice Travel-Prog 13
Visa Global B2B Virtual Payments-Program 14	Visa Global B2B Virtual CommercialChoice Travel-Prog 14
Visa Global B2B Virtual Payments-Program 15	Visa Global B2B Virtual CommercialChoice Travel-Prog 15
Visa Global B2B Virtual Payments-Program 16	Visa Global B2B Virtual CommercialChoice Travel-Prog 16
Visa Global B2B Virtual Payments-Program 17	Visa Global B2B Virtual CommercialChoice Travel-Prog 17
Visa Global B2B Virtual Payments-Program 18	Visa Global B2B Virtual CommercialChoice Travel-Prog 18
Visa Global B2B Virtual Payments-Program 19	Visa Global B2B Virtual CommercialChoice Travel-Prog 19
Visa Global B2B Virtual Payments-Program 20	Visa Global B2B Virtual CommercialChoice Travel-Prog 20
Visa Global B2B Virtual Payments-Program 21	Visa Global B2B Virtual CommercialChoice Travel-Prog 21
Visa Flexible Rate B2B Virtual Payments-Program 1	Visa Flexible Rate B2B CommercialChoice Omni-Prog 1
Visa Flexible Rate B2B Virtual Payments-Program 2	Visa Flexible Rate B2B CommercialChoice Omni-Prog 2
Visa Flexible Rate B2B Virtual Payments-Program 3	Visa Flexible Rate B2B CommercialChoice Omni-Prog 3
Visa Flexible Rate B2B Virtual Payments-Program 4	Visa Flexible Rate B2B CommercialChoice Omni-Prog 4
Visa Flexible Rate B2B Virtual Payments-Program 5	Visa Flexible Rate B2B CommercialChoice Omni-Prog 5
Visa Flexible Rate B2B Virtual Payments-Program 6	Visa Flexible Rate B2B CommercialChoice Omni-Prog 6
Visa Flexible Rate B2B Virtual Payments-Program 7	Visa Flexible Rate B2B CommercialChoice Omni-Prog 7
Visa Flexible Rate B2B Virtual Payments-Program 8	Visa Flexible Rate B2B CommercialChoice Omni-Prog 8
Visa Flexible Rate B2B Virtual Payments-Program 9	Visa Flexible Rate B2B CommercialChoice Omni-Prog 9
Visa Flexible Rate B2B Virtual Payments-Program 10	Visa Flexible Rate B2B CommercialChoice Omni-Prog 10
Visa Flexible Rate B2B Virtual Payments-Program 11	Visa Flexible Rate B2B CommercialChoice Omni-Prog 11
Visa Flexible Rate B2B Virtual Payments-Program 12	Visa Flexible Rate B2B CommercialChoice Omni-Prog 12
Visa Flexible Rate B2B Virtual Payments-Program 13	Visa Flexible Rate B2B CommercialChoice Omni-Prog 13
Visa Flexible Rate B2B Virtual Payments-Program 14	Visa Flexible Rate B2B CommercialChoice Omni-Prog 14
Visa Flexible Rate B2B Virtual Payments-Program 15	Visa Flexible Rate B2B CommercialChoice Omni-Prog 15
Visa Flexible Rate B2B Virtual Payments-Program 16	Visa Flexible Rate B2B CommercialChoice Omni-Prog 16
Visa Flexible Rate B2B Virtual Payments-Program 17	Visa Flexible Rate B2B CommercialChoice Omni-Prog 17
Visa Flexible Rate B2B Virtual Payments-Program 18	Visa Flexible Rate B2B CommercialChoice Omni-Prog 18
Visa Flexible Rate B2B Virtual Payments-Program 19	Visa Flexible Rate B2B CommercialChoice Omni-Prog 19
Visa Flexible Rate B2B Virtual Payments-Program 20	Visa Flexible Rate B2B CommercialChoice Omni-Prog 20
Visa Flexible Rate B2B Virtual Payments-Program 21	Visa Flexible Rate B2B CommercialChoice Omni-Prog 21

_{Published June 14, 2024 | P2023.2309}

Update: Effective June 14, 2024, Visa will introduce a processing block for transactions with additional prohibited merchant category codes (MCCs) and transactions with limited-in-amount MCCs exceeding 5,000 USD. Visa has also added MCCs to the prohibited and restricted categories which you will find in Tables 1 and 2:

Additional Prohibited MCCs: 5723, 6400, 6536, 6537, 6538, 6540, 6611, 7800, 7801, 7802, 9406, 9498, 9793, 9999
Additional Restricted MCCs: 3880, 5262, 5398, 5961, 7013

On June 9, 2024, Visa will begin declining all domestic and cross-border transactions greater than or equal to 5,000 USD for Mainland China-based users with restricted MCCs, as outlined in Table 2.

Visa will block all domestic and cross-border transactions to issuers based in Mainland China. Specifically, transactions with merchant category codes (MCCs) indicating country code 156 (Mainland China), and in the categories listed below are affected:

Table 1 – Visa Fully Prohibited MCCs in Mainland China effective January 19, 2024

MCC	MCC Description
0763	Agricultural Co-operatives
4829	Money Transfer
5723² (Effective June 14, 2024)	Gun and Ammunition Stores
6012	Financial Institutions – Merchandise, Services, and Debt Repayment
6050¹	Quasi Cash-Member Financial Institution
6051	Non-Financial Institutions – Foreign Currency, Liquid and Cryptocurrency Assets (for example: Cryptocurrency), Money Orders (Not Money Transfer), Account Funding (not Stored Value Load), Travelers Cheques, and Debt Repayment
6211	Security Brokers/Dealers
6400¹ (Effective June 14, 2024)	China UnionPay Quick Pass App related business
6529¹	Remote Stored Value Load-Member Financial Institution
6530¹	Remote Stored Value Load
6531¹	Payment Service Provider-Money Transfer
6532¹	Payment Transaction - Member Financial Institution
6533¹	Payment Transaction - Merchant
6534¹	Money Transfer-Member Financial Institution
6535¹	Value Purchase–Member Financial Institution
6536¹ (Effective June 14, 2024)	Money Transfer Intra-country
6537¹ (Effective June 14, 2024)	Money Transfer Inter-country
6538¹ (Effective June 14, 2024)	Money Transfer Transaction
6540 (Effective June 14, 2024)	Non-Financial Institutions – Stored Value Card Purchase/Load
6611¹ (Effective June 14, 2024)	Overpayments
7800 (Effective June 14, 2024)	Government-Owned Lotteries (US Region only)
7801 (Effective June 14, 2024)	Government Licensed On-Line Casinos (On-Line Gambling) (US Region only)
7802 (Effective June 14, 2024)	Government-Licensed Horse/Dog Racing (US Region only)
7995	Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, Wagers at Racetracks, and games of chance to win prizes of monetary value
9406¹ (Effective June 14, 2024)	Government-Owned Lotteries (Non-U.S. region)
9498¹ (Effective June 14, 2024)	Credit card bill payment
9793¹ (Effective June 14, 2024)	Promotion Cash Back
9999¹ (Effective June 14, 2024)	Other Payments

Table 2 – Visa Restricted MCCs in Mainland China effective June 14, 2024

MCC	MCC Description
0743¹	Wine producers
0744¹	Champagne producers
1520	General Contractors – Residential and Commercial
1740	Masonry, Stonework, Tile Setting, Plastering and Insulation Contractors
1750	Carpentry Contractors
1761	Roofing, Siding, and Sheet Metal Work Contractors
1771	Concrete Work Contractors
1799	Special Trade Contractors (Not Elsewhere Classified)
2741	Miscellaneous Publishing and Printing
2791	Typesetting, Plate Making and Related Services
2842	Specialty Cleaning, Polishing and Sanitation Preparations
3880	Homestead Suites
4011	Railroads
4214	Motor Freight Carriers and Trucking – Local and Long Distance, Moving and Storage Companies, and Local Delivery Services
4225	Public Warehousing and Storage – Farm Products, Refrigerated Goods, Household Goods, and Storage
4468	Marinas, Marine Service, and Supplies
4582	Airports, Flying Fields, and Airport Terminals
5013	Motor Vehicles Supplies and New Parts
5021	Office and Commercial Furniture
5039	Construction Materials (Not Elsewhere Classified)
5044	Photographic, Photocopy, Microfilm Equipment and Supplies
5045	Computers and Computer Peripheral Equipment and Software
5046	Commercial Equipment (Not Elsewhere Classified)
5047	Medical, Dental, Ophthalmic and Hospital Equipment and Supplies
5051	Metal Service Centers and Offices
5065	Electrical Parts and Equipment
5072	Hardware, Equipment and Supplies
5074	Plumbing and Heating Equipment and Supplies
5085	Industrial Supplies (Not Elsewhere Classified)
5094	Precious Stones and Metals, Watches and Jewelry
5099	Durable Goods (Not Elsewhere Classified)
5111	Stationery, Office Supplies, Printing and Writing Paper
5122	Drugs, Drug Proprietaries, and Druggist Sundries
5131	Piece Goods, Notions, and Other Dry Goods
5137	Men’s, Women’s, and Children’s Uniforms and Commercial Clothing
5139	Commercial Footwear
5169	Chemicals and Allied Products (Not Elsewhere Classified)
5172	Petroleum and Petroleum Products
5192	Books, Periodicals and Newspapers
5193	Florists Supplies, Nursery Stock and Flowers
5198	Paints, Varnishes and Supplies
5199	Nondurable Goods (Not Elsewhere Classified)
5211	Lumber and Building Materials Stores
5262	Marketplaces
5398	Wholesales In Large-Scale Enterprise
5551	Boat Dealers
5599	Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers (Not Elsewhere Classified)
5715¹	Alcoholic Beverage Wholesalers
5960	Direct Marketing – Insurance Services
5961	Mail Order Houses Including Catalog Order Stores Book/Record Club
6300	Insurance Sales, Underwriting, and Premiums
6381¹	Insurance Premiums
6399¹	Insurance, Not Elsewhere Classified
7013	Real Estate Agent/Broker
7311	Advertising Services
7321	Consumer Credit Reporting Agencies
7322	Collection Agencies
7333	Commercial Photography, Art, and Graphics
7361	Employment Agencies and Temporary Help Services
7372	Computer Programming, Data Processing, and Integrated Systems Design Services
7375	Information Retrieval Services
7379	Computer Maintenance, Repair and Services (Not Elsewhere Classified)
7392	Management, Consulting, and Public Relations Services
7399	Business Services (Not Elsewhere Classified)
7829	Motion Picture and Video Tape Production and Distribution
7993	Video amusement Game Supplies
7997	Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses
8111	Legal Services and Attorneys
8398	Charitable Social Service Organizations
8641	Civic, Social, and Fraternal Associations
8651	Political Organizations
8661	Religious Organizations
8911	Architectural, Engineering, and Surveying Services
8931	Accounting, Auditing, and Bookkeeping Services
8999	Professional Services (Not Elsewhere Classified)
9405	U.S. Federal Government Agencies or Departments
9950	Intra-Company Purchases

_{1. Not a Visa MCC. Decline response code and message reason code for non-Visa MCCs will be the same as declines for prohibited category Visa MCCs.

2. MCC 5723 applies only to merchant locations that are covered under California Law and which are located in the U.S. and in the state of California.}

_{Updated June 14, 2024 | P2024.0922, P2024.0631

Updated May 15, 2024 | P2023.1847u2

Updated March 15, 2024 | P2023.1847u1

Published December 15, 2023 | P2023.1847}

As part of EMV^® 3-D Secure (3DS) 2.2, please be reminded of the requirements needed to support Visa Secure Data Only (information-only transactions).

If you use data-only transactions, please submit an EMV 3DS authentication request with the “Data Only” flag to indicate that the cardholder would need to be authenticated without an issuer authentication challenge. You are strongly encouraged to send all available data in this request.

_{Published May 15, 2024 | P2024.0275}

On April 13, 2024 Visa will make the following changes to their authorization response codes.

Table – Visa Authorization Response Codes Updates

Response Codes

Updates

(no credit account)

Will be reclassified under Category 2–Issuer Cannot Approve at This Time.

(no checking account)

(no savings account)

(invalid account number [no such number])

Will be removed from Category 3–Data Quality and will remain solely under Category 1 – Issuer will Never Approve.

As a Category 1, do not reattempt an authorization request after a decline.

_{Published April 11, 2024 | P2024.0192}

Effective April 12, 2024, Visa will add new spend qualified indicator (SQI) values to identify the spend tier in support of the spend qualification processing for existing and new small business products cards issued in the U.S. and Puerto Rico, as seen in the below table.

As a result, you may notice a new SQI value in your transactions specifically for small business cards issued in the U.S. and Puerto Rico.

Table – Visa New SQI Values for Small Business Products Cards Issued in the U.S. and Puerto Rico

New SQI Values	Description
1	Tier 1 – Spend assessment threshold defined by Visa has been met
2	Tier 2 – Spend assessment threshold defined by Visa has been met
3	Tier 3 – Spend assessment threshold defined by Visa has been met
4	Tier 4 – Spend assessment threshold defined by Visa has been met
5	Tier 5 – Spend assessment threshold defined by Visa has been met

_{Published March 15, 2024 | P2023.1852}

On April 13, 2024, Visa will update the following fees and interchange rates to all transactions in the territories of French Guiana, Guadeloupe, Martinique, Mayotte, Réunion, Saint Barthélemy and Saint Martin (now part of the Europe region):

French domestic fees and interchange rates will apply to transactions between France and these French territories.
Intraregional European Economic Area (EEA) fees and interchange rates will apply to transactions between EEA countries and these French territories.
Intra non-EEA fees and interchange rates will apply to transactions between non-EEA countries and these French territories.
Interregional fees and interchange rates will apply to transactions between countries outside of the Europe region and these French territories.

_{Published March 15, 2024 | P2023.2204; P2023.1854}

Visa will update the fee edit criteria for card-present custom payment service (CPS)-qualified consumer credit transactions that are eligible for existing fee programs applicable to small merchants. Transactions must include a surcharge amount or transaction amount fee of zero to qualify for this program.

The fee edit criteria change will apply to Small Merchants programs in the following segments:

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

There are no changes to Small Merchants fee programs applicable to consumer credit transactions qualified for a card-not-present CPS program. Consumer debit and prepaid card transactions, and Visa commercial card transactions are not impacted by these change.

_{Published March 15, 2024 | P2023.1885}

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.

_{Published September 15, 2023 | P2023.1230}

Mastercard®

On May 12, 2025, Mastercard will generate Mastercard Digital Enablement Service (MDES) static tokens along with cloud tokens to support Click to Pay payments with the following benefits:

Lessen the use of funding primary account numbers (PANs)
Allows you to reduce instances of PAN data transmission for guest checkout transactions

If you currently do not support cloud tokens or DSRP-based checkout transactions in Click to Pay, Mastercard will provide static tokens in place of the cardholder’s PAN. A single-use dynamic token verification code (DTVC) may accompany these credentials during payment authorization.

_{Published April 15, 2025 | P2024.2355}

On April 21, 2025, Mastercard will enable support of Companion Cloud tokens and Recurring Payment Cloud tokens in their Mastercard Digital Enablement Service for digital wallet transactions. Apple Pay will be the first wallet to take advantage of this functionality to provide you with enhanced payment options.

Companion Cloud Tokens facilitate secure eCommerce transactions across multiple devices, while Recurring Cloud Tokens can be stored to continuously support merchant-initiated transactions. Both types offer greater flexibility in managing tokens and reduce dependency on device tokens.

If you choose to support and utilize both Cloud tokens in Apple Pay transactions, please contact Apple Pay for the complete specifications of Companion Cloud tokens and Recurring Payment Cloud token.

_{Published April 15, 2025 | P2024.2614, P2025.0177}

The 1984-bit Payment System public key expiration date has been extended to December 31, 2034 by Mastercard. The 1408-bit public key expiration date remains the same.

Reach out to your point-of-sale (POS) service provider to ensure that all terminals supporting Offline Data Authentication or Offline Enchiphered PIN contain public keys with the updated expiration dates. Please do not use keys past their expiration date.

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

Payment System Public Keys	Current Expiration Date	New Expiration Date
1408-bit public key	December 31, 2024	Remains unchanged
1984-bit public key	December 31, 2033	December 31, 2034

_{Published February 14, 2025 | P2024.1842}

On May 1, 2025, Mastercard will introduce edit criteria to the fields listed below under their Data Integrity Monitoring Program (DIMP). Please note that sending non-compliant fields in deposit transactions submitted to the bank will be subjected to Mastercard’s DIMP fees. To avoid this fee, visit our Developer Center.

Table – New Mastercard Requirements for DIMP Travel Addendum Data

Field	Edit Criteria
City of Origin/Airport Code	Should not contain null values. For airline¹ travel transactions, the value provided should contain a valid International Air Transport Association (IATA) three letter Location Identifier (Airport Code) or Mastercard defined non-travel code.
City of Destination/Airport Code	Should not contain null values. The value provided should not be the same value as (City of Origin/Airport Code). For airline¹ travel transactions, the value provided should contain a valid IATA three letter Location Identifier (Airport Code) or Mastercard defined non-travel code.
Flight Number	Should not contain null values or all alpha characters.

_{1. Mastercard defines airline travel transactions if the MCC is 4511 or between 3000-3350.}

_{Published February 14, 2025 | P2024.0259}

Beginning May 1, 2025, merchants utilizing a Merchant Payment Gateway (MPG)1 will be required to send the MPG Identifier (MPG ID) for Mastercard card-not-present authorizations and non-financial transactions (e.g., account verification and balance inquiry) to avoid non-compliance fees. Mail order/telephone order (MOTO) authorizations are exempt from this.

In preparation for future compliance mandates, Mastercard recommends including the MPG ID on card-present authorizations as well.

Please work with your vendor/service provider to ensure the MPG ID field is populated in authorizations prior to May 1, 2025. Please refer to the Developer Center for current Chase technical specifications.

_{1. An MPG is a Mastercard registered service provider that captures and sends transaction data to an acquirer, on behalf of a merchant, for processing. The MPG ID is a unique ID provided by Mastercard for each registered MPG. With the MPG ID, merchants will benefit from higher approval rates, lower fraud, and improved compliance with Mastercard Standards.}

_{Published December 13, 2024 | 2022.1533, P2022.0738, P2022.1244}

Starting April 11, 2025, Mastercard will allow the following documents to be submitted under their second presentment options when goods were delivered to or picked up by the cardholder.

Photo proof that the goods were delivered to the address specified by the cardholder
Documentation that a QR Code, PIN, or similar one-time use passcode was sent to an email address or phone number specified by the cardholder and was subsequently used to access a physical mailbox or merchandise locker where goods were delivered

Additionally, Mastercard will require that documents for all second presentment follow the outlined requirements.

Table – Mastercard Second Presentment File Requirements

Details	Requirement
File type	.pdf or tiff
Document name	Not more than 16 characters in length Not contain special characters or spaces within the zip file name, for multiple images, and file names within the zip file
File size	Not more than 300x300 DPI in size and pixel count should be less than 30,000,000
Total size	Not more than 8.5 MB or 8,500,000 bytes total attachment size

_{Published March 14, 2025 | P2025.0047}

On April 1, 2025, Mastercard will require the presence of tag 9F34 in all EMV (card-present or card-not-present) authorization and clearing messages. This tag provides indication to the terminal of the cardholder verification method (CVM) used for the transaction (for example, offline PIN, online PIN or signature).

To prevent possible non-compliance fees under Mastercard’s Data Integrity Monitoring Program (DIMP), visit our Developer Center for the specifications required to update your Chase-provided terminals, or contact your terminal provider.

_{Published March 14, 2025 | P2024.1846}

Update: On April 23, 2025, the device type value or form factor for Virtual Reality headset/s or glasses will be replaced to 34 from 99 by Mastercard.

The Virtual Reality Headset device type/form factor is now supported by Mastercard Digital Enablement Service (MDES). Please visit our Developer Center for the complete specifications.

_{Updated March 14, 2025 | P2023.2426a

Published March 15, 2024 | P2023.2426}

Mastercard will reject transactions based on the conditions described below.

Table – Mastercard Rejections on Unapproved Authorizations and Force Deposits

Effective Date	Condition	Action
U.S. and U.S. Territories: April 11, 2025	Unapproved Authorization: If Mastercard matches a deposit to an authorization, but the authorization was not approved	Transaction will be rejected¹
U.S. Territories: April 11, 2025 U.S.: To be published at a later date	Force Deposit: If Mastercard is unable to match a deposit to an authorization	Transaction is subject to possible reject identified by Mastercard’s Force Post Defense Service

Please make sure all transactions are approved and authorized to avoid returns on rejections.

_{1. Transit First Ride Risk Program and Refund Transactions are excluded from rejections.}

_{Published February 15, 2025 | P2024.2029, P2024.2033}

Effective March 31, 2025, the ANG/532 (Netherlands Antilles Guilder) domestic currency for Curaçao and Sint Marten will be updated to the new domestic currency, XCG/532 (Carribbean Guilder) by Mastercard. This change is in accordance with the Central Bank conversion, and there will be no changes to the ISO Number (532) or minor units.

_{Published Janaury 10, 2025 | P2024.1578}

Starting March 1, 2025, a null or blank Business Application Identifier (BAI) field for funding transactions may be assessed a non-compliance fee. To prevent this, make sure to provide a valid identifier on the BAI field for all transactions under the following merchant category codes:

4829 (Money Transfer)
6538 (Funding Transaction for MoneySend)
6540 (Funding Transactions)

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

_{Published December 13, 2024 | P2022.0739a}

Mastercard is clarifying procedures for contactless transit aggregated transactions, which occur when:

A Mastercard or Debit Mastercard contactless-enabled card or contactless payment device is tapped one or more times at the point of entry to a transit system during a 24-hour period (the tap aggregation period), and
The taps are combined into a total transaction amount, then submitted for authorization on a deferred basis

Transit merchants must follow these guidelines:

Account Verification (VF) transactions must not include a cryptogram or track data. If sent, the transaction will be considered non-compliant with potential declines/rejects. Instead, retain the cryptogram and track data from the VF transaction to submit in the End of Day Authorization or Conditional Deposit
For the End of Day Authorization or Conditional Deposit:
- If there is only one tap during the aggregation period, submit the retained cryptogram and track data from the initial tap (VF)
- If there are multiple taps (rides taken), submit the cryptogram and track data from the last tap for the combined total amount of taps during the aggregation period

Specifications will be published at a later date.

_{Published February 14, 2025 | P2024.1337}

Mastercard no longer requires unattended point-of-sale (POS) terminals identified with any of the below MCCs to provide a receipt at the time of transaction:

MCC 4111 (transportation: suburban and local commuter passenger, including ferries)
MCC 4112 (passenger railways)
MCC 4131 (bus lines)
MCC 4784 (bridge and road fees, tolls)
MCC 4789 (transportation services: not elsewhere classified)
MCC 7523 (automobile parking lots and garages)

This is allowed provided that there is clear disclosure on how a cardholder may obtain the receipt at a later time. For example, a QR code may be displayed linking to a website address where the cardholder may enter their card’s PAN to access their transaction receipt. Any such means involving the transmission, storage, or processing card data must comply with the Payment and Card Industry Data Security Standard (PCI DSS).

_{Published October 15, 2024 | P2024.1542}

Effective October 18, 2024, Mastercard will revise their standards to prohibit credit card issuers from generating a cardholder dispute chargeback for automated fuel dispenser (AFD) transactions for chargeback reason code 4853 – Defective/Not as Described. This revised chargeback standard will apply to Mastercard transactions that occur at AFDs properly identified with card acceptor business code (MCC) 5542 (Fuel Dispenser, Automated).

AFDs located in the Europe region are excluded from this change.

_{Published August 15, 2024 | P2024.0119}

Effective October 18, 2024, Mastercard will require an online authorization for all refund transactions submitted for clearing.This excludes refunds conducted by airlines (MCCs 3000 through 3350 and MCC 4511) and contactless aggregated transit transaction refunds.

From November 1, 2024, this requirement will be included in Mastercard’s Data Integrity Monitoring Program and will help ensure that all refund transactions submitted for clearing contain the proper transaction data needed for issuers to link to corresponding refund authorizations.

_{Published July 15, 2024 | P2024.0493}

On November 5, 2024, Mastercard will introduce merchant advice code (MAC) value 43 for consumer multi-use Virtual Card Number. The new MAC value will be used for both approved and declined Account Status Inquiry (ASI) transactions.

_{Published June 14, 2024 | P2024.0767}

While Mastercard continues to encourage the adoption of digital transaction receipts, please take note of the revised standards for transaction receipts outlined below that are only applicable to card-present merchants.

I . Outside the Europe Region

A paper receipt must be offered to cardholders. Digital receipts are optional and may also be offered. The receipt standards for Mobile Point-of-Service (MPOS) terminals remain unchanged.

II. Europe Region

Offering digital receipts are encouraged, while paper receipts are not required. Cardholders that request a receipt must be provided with either a paper or digital receipt
If a paper cash register receipt, tax invoice, or other type of receipt is provided, then it is not required to offer an additional paper point-of-sale (POS) terminal receipt
Transaction receipt standards for merchants in France remain unchanged
Paper receipts must still be offered for the following cases:
- If the merchant requires a paper receipt for a refund
- If a merchant applies a restrictive return or exchange policy, it must offer a paper receipt on which the policy is stated
- If a paper receipt is required for legal reasons, for example, to document a warranty

III. All Regions

When a digital receipt is offered, the cardholder must be informed of any required additional personal data and steps to access the receipt
Cardholder personal data must only be processed for the purpose of making the receipt available
The receipt must be immediately available
The merchant copy of the transaction receipt may be stored and provided in digital form

_{Published June 14, 2024 | P2024.0903}

Starting 1 June 2024, the Mastercard Directory Server Transacation ID must be submitted when qualifying a transaction into clearing and must match the ID received during 3DS authentication.

Please visit our Developer Center for the required specifications to include Mastercard Directory Server Transaction IDs during clearing and avoid possible non-compliance fees.

_{Published April 11, 2024 | P2023.0754}

Starting April 12, 2024, Mastercard’s refund transaction authorization will be valid for 5 calendar days from the approval date, while the refund transaction must be submitted for clearing within 5 calendar days of the refund transaction date.

_{Published March 15, 2024 | P2023.1830}

Starting April 8, 2024, the collection of the Card Validation Code (CVC) 2 on tokenized and authenticated card-not-present transactions are no longer required in Guam. This will now be an optional process, as seen in the table below.

Removing the CVC 2 verification may result in higher authorization rates, lower checkout abandonment, better payment experience for customers and will reduce the instances of declined tokenized authenticated transactions.

Table – Mastercard expected merchant action on authorization of transactions

Tokenized	3DS Authenticated	Merchant Action
Yes	Yes	Do not ask for CVC 2
No	No	Always ask for CVC 2
Yes	No	CVC 2 is optional
No	Yes	CVC 2 is optional

_{Published March 15, 2024 | P2023.2190}

Starting April 1, 2024, card issuers are no longer required to issue Mastercard credit cards with magnetic stripes. Please work with your POS terminal providers to ensure you can accept chip-only cards.

_{Published March 15, 2024 | P2021.0951}

Mastercard will implement the following changes to their chargeback rules starting April 12, 2024:

Move the following late presentment chargeback from the point-of-interaction error category to the authorization-related chargeback category:
- Payment transaction clearing submission timeframes
- Contactless transit aggregated transactions
- Refund transactions
Add the offline chip-approved transaction clearing timeframe to the authorization-related chargeback category
Remove the late-presentment chargeback from the point-of-interaction error category
Remove the 21-calendar days to accumulate purchase transaction records completed with manually recorded card data

_{Published February 15, 2024 | P2023.2265}

American Express®

The 1984-bit JCB/Certification Authority (CA) public key expiration date has been extended to December 31, 2034 by American Express. The 1408-bit public key expiration date remains the same.

Table – American Express Extended Expiration Date for the RSA Certification Authority Public Key

RSA Certification Authority Public Keys	Current Expiration Date	New Expiration Date
1408-bit public key	December 31, 2024	Remains unchanged
1984-bit public key	December 31, 2031	December 31, 2034

_{Published February 14, 2025 | P2024.2097}

On March 31, 2025, the ANG/532 (Netherlands Antilles Guilder) domestic currency for Curaçao and Sint Marten will be updated to the new domestic currency, XCG/532 (Carribbean Guilder) by American Express. This change is in accordance with the Central Bank conversion, and there will be no changes to the ISO Number (532) or minor units.

_{Published March 14, 2025 | P2025.0400}

Starting October 1, 2024, American Express will no longer accept transactions using SafeKey 2.1. For continued Fraud Liability Shift benefits, please contact your 3DS service provider to make sure you are using SafeKey version 2.2 or higher.

_{Published July 15, 2024 | P2023.0890}

Effective April 12, 2024, merchants with fraud performance level meeting or exceeding the Low Tier or High Tier Program Threshold set in the table below will be placed in the Fraud Full Recourse (FFR) Program.

Table – American Express Low Tier and High Tier Program Threshold

Program Tier	Fraud Performance Level	Program Threshold
Low Tier Program Threshold	Your monthly Fraud to Gross¹ (FTG) charges are equivalent or greater than 0.9%, and	Following the date of notice, you must reduce your fraud performance levels below the Low Tier Program Threshold for three consecutive calendar months. Otherwise, you will be subject to FFR chargebacks and no longer qualify for fraud liability shift.
	You have fraud-related disputes with a minimum of $25,000 in a one-month period.
High Tier Program Threshold	Your monthly FTG¹ charges are equivalent or greater than 1.8%, and	Following the date of notice, you will be subject to FFR chargebacks and will no longer qualify for fraud liability shift.
	You have fraud-related disputes with a minimum of $50,000 in a one-month period.

You will be moved from the Low Tier to the High Tier program if you meet or exceed the High Tier Program thresholds. You will stay in the High Tier program until you are removed.

To be removed from the FFR Program and have your fraud liability reinstated, your fraud performance levels must fall below either of the following thresholds:

Your fraud-related disputes to gross charges ratio is below 0.9% per month for three consecutive months, or
Your fraud-related disputes amount is below $25,000 per month for three consecutive months.

_{1. Fraud to Gross (FTG) means the ratio of fraudulent transactions as compared to total charge volume in a single month, provided that both volume amounts are in the same currency.}

_{Published February 15, 2024 | P2023.1950}

Effective April 2024, you will no longer be subjected to card-not-present (CNP) fraud chargebacks when you submit an approved CNP transaction with a “no match” card identification data verification.

_{Published October 13, 2023 | P2023.0891}

Discover®

Discover’s D-Payment Application Specification (D-PAS) 1408-bit Certificate Authority (CA) Production public key has expired. This public key should not be loaded on your point-of-sales (POS) devices deployed on and after December 31, 2024.

In addition, CA Production public keys must be removed from all POS devices by June 30, 2025.

Please reach out to your POS service provider to ensure that all terminals supporting Offline Data Authentication or Offline Enciphered PIN is compliant with the requirements above.

_{Published February 14, 2025 | P2023.1014}

On April 11, 2025, Discover will implement a new requirement for debt repayment transactions. The payment indicator “D” must be included in authorization, authorization reversal, and clearing requests. Additionally, Discover will decline debt repayment authorization requests for credit card and non-reloadable prepaid card transactions submitted under Merchant Category Code 6051, 6012.

To ensure compliance and prevent interchange reclassification, please visit our Developer Center for complete specifications.

_{Published March 14, 2025 | P2024.0723, P2024.0742}

On March 31, 2025, the domestic currency for Curaçao and Sint Marten will be updated to XCG/532 (Caribbean Guilder) from ANG/532 (Netherlands Antilles Guilder) by Discover. This change is in accordance with the Central Bank conversion, and there will be no changes to the ISO Number (532) or minor units.

_{Published March 14, 2025 | P2025.0319}

Discover will enable web browsers to enhance autofill with tokens and virtual card numbers (VCNs). With this change, web browsers may replace primary account numbers (PAN) with e-commerce tokens and/or VCNs, the token expiration date, and a three-digit dynamic security code randomly generated by Discover.

Cardholders will be able to utilize tokens/VCNs in web browsers that offer auto/form-fill features, including population of cardholder name, shipping/billing addresses, and payment credentials. Cardholders will still be able to utilize their PAN in web browsers if they choose to do so.

Please assess if your business is prepared to accept tokens for purchases.

If you choose not to accept tokens through a browser, you may send an email to merchant.support@chase.com with the following information:

Merchant ID or company number
Business name
First and last name of requestor
Discover merchant number
Merchant URLs for sites that include your payment credential entry forms:
Merchant App Package/Bundle IDs (for Android or iOS applications, if applicable)
Token Autofill preference (choose one):
- Opt-out for token autofill
- Opt-in for token autofill (this option should only be used if URL/app package name was previously opted out)

_{Published October 15, 2024 | P2024.0458}

Effective October 18, 2024, all cards bearing a UnionPay Acceptance Mark will include the following distinctive features for card security:

16 to 19 card number digits starting with:
- 622126 – 623796
- 624 – 626
- 6282 – 6288
- 8100 – 8171
Clear, uniformly sized and spaced embossed digits on the card
Embossed or printed expiration date appears in MM/YY, indicating the last month and year the card is valid
A printed “Valid Thru,” “Valid From,” “Expiration date,” or “Good Thru” beside the expiration date
A magnetic strip that may also have an integrated circuit chip
A three-dimensional holographic image of the Heaven Temple, with Chinese characters in the background of the front of the credit card which reflects light when rotated
An embossed “Valid Thru” and the cardholder name (which may not be in English) on the front of the card
Card identification numbers on the upper right corner of the signature panel
Either a printed or an embossed card number, expiration date, cardholder name (if applicable) and other personalization data (if applicable) on the reverse side of the card

_{Note: Texts on cards bearing the UnionPay Acceptance Mark may not be in English.}

_{Published September 13, 2024 | P2024.0731}

Discover is now requiring the card acceptor terminal identification code to be submitted in the authorization request. Please refer to the table for the required POS entry modes and their definitions.

Table – Discover Card Acceptor Terminal Identification Codes

POS Entry Mode	Definition
01	Manual/Keyed
02	Magnetic Stripe
03	Bar Code/Payment Code
05	Integrated Circuit Card Reader
81	Radio Frequency Identification Indicator - Magnetic Stripe
83	Radio Frequency Identification Indicator - Chip
85	Chip Fallback
86	Contactless Interface

_{Published July 15, 2024 | P2023.0627}

UPDATE: Discover withdrew the previously announced changes to response code 34. This code will remain unchanged.

_{Updated June 14, 2024 | P2024.0734

Published March 15, 2024 | P2023.1920}

Update: Discover clarified their JCB card acceptance language below.

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

JCB cards must be accepted in the United States, Puerto Rico, the U.S. Virgin Islands and the Caribbean¹. JCB card acceptance must not be offered in any other jurisdiction.
UnionPay cards can only be accepted in the United States, Canada, Mexico, and the Caribbean¹. UnionPay card acceptance can not be offered 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}

_{Updated April 11, 2024 | P2024.0078

Updated July 14, 2023 | P2023.0621

Published September 13, 2022 | P2022.0556}

Effective April 12, 2024 Discover will restrict consumer credit card products in qualifying for the Emerging Markets Consumer interchange rate. The following Merchant Category Codes (MCCs) will only qualify for the interchange programs listed in the table.

Table – MCCs and qualified interchange programs

MCC	Interchange programs for credit card transactions
4869, 5968, 5983, 6533, 8211, 8220, 8299, 8351	U.S. Consumer Retail U.S. Consumer Card Not Present U.S. Consumer eCommerce U.S. Consumer eCommerce Secured U.S. Consumer Key Entry

_{Note: Consumer debit and prepaid card transactions with MCCs 4899, 5968, 5983, 6533, 8211, 8220, 8299, 8351 will continue to qualify under Emerging Markets interchange program.}

_{Published March 15, 2024 | P2023.1927; P2023.1926}

Other Networks

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

Table – UnionPay Extended Expiration Date for the Root CA Public Key

Root CA Public Keys	Current Expiration Date	New Expiration Date
1408-bit public key	December 31, 2024	Remains unchanged
1984-bit public key	December 31, 2034	December 31, 2035

_{Published February 14, 2025 | P2024.0007}

The 1984-bit JCB/Certification Authority (CA) public key expiration date has been extended to December 31, 2034 by JCB International. The 1408-bit public key expiration date remains the same.

Table – JCB Extended Expiration Date for the JCB/CA Public Key

JCB Certification Authority Public Keys	Current Expiration Date	New Expiration Date
1408-bit public key	December 31, 2024	Remains unchanged
1984-bit public key	December 31, 2033	December 31, 2034

_{Published February 14, 2025 | P2023.2284}

Effective April 1, 2025, the ANG/532 (Netherlands Antilles Guilder) domestic currency for Curaçao and Sint Marten will be updated to the new domestic currency, XCG/532 (Carribbean Guilder) by UnionPay. This change is in accordance with the Central Bank conversion, and there will be no changes to the ISO Number (532) or minor units.

_{Published Janaury 10, 2025 | P2024.2115}

Debit Networks

Card expiration date must be provided for PINless eCommerce and one-time bill payment transactions, as clarified and reminded by Accel and STAR.

_{Published February 14, 2025 | P2024.2300a, P2024.2299a}

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.

_{Published September 15, 2023 | P2023.0912}

Rate Codes

U.S. Rate Codes

Rate Code	Long Fee Name	Short Fee Name
ACRD	Amex Consumer Regulated Debit (All Industries)	Ax Cons Reg DB All Ind
AMC1	AmEx Charity - Tier 1	AmEx Charity - Tier 1
AMCm	AmEx Charity - MT	AmEx Charity - MT
AMCS	AmEx Charity - ST	AmEx Charity - ST
AMI1	AmEx Insurance - Tier 1	AmEx Insurance - Tier 1
AMI2	AmEx Insurance - Tier 2	AmEx Insurance - Tier 2
AMI3	AmEx Insurance - Tier 3	AmEx Insurance - Tier 3
AMO1	AmEx Online Gambling - Tier 1	AmEx Online Gambling - Tier 1
AMO2	AmEx Online Gambling - Tier 2	AmEx Online Gambling - Tier 2
AMO3	AmEx Online Gambling - Tier 3	AmEx Online Gambling - Tier 3
AMR1	AmEx Residential Rent - Tier 1	AmEx Residential Rent - Tier 1
AMR2	AmEx Residential Rent - Tier 2	AmEx Residential Rent - Tier 2
AMR3	AmEx Residential Rent - Tier 3	AmEx Residential Rent - Tier 3
AMU1	AmEx Utilities - Tier 1	AmEx Utilities - Tier 1
AMU2	AmEx Utilities - Tier 2	AmEx Utilities - Tier 2
ASBD	AmEx B2B/Wholesale - Small Business Debit	AmEx B2B/WS-Sm Bus DB
ASBR	Amex Small Business Regulated Debit (All Industries)	Ax Sm Bus Reg DB All Ind
ASCD	SU-AmEx Charity - Small Business Debit	SU-AmEx Charity - SMB Debit
ASED	AmEx Education - Small Business Debit	AmEx Ed -Small Business DB
ASGD	AmEx Government - Small Business Debit	AmEx Gvt Small Business DB
ASHD	AmEx Healthcare - Small Business Debit	AmEx HC Small Business DB
ASID	SU-AmEx Insurance - Small Business Debit	SU-AmEx Insurance - SMB Debit
ASMD	AmEx Emerging Market - Small Business Debit	AmEx Emerging Mkt-SmBus DB
ASOD	AmEx Other - Small Business Debit	AmEx Other-Sm Business DB
ASPD	AmEx Services and Professional Services - Small Business Debit	AmEx Svcs and ProSvcs SBDB
ASRD	AmEx Restaurants - Small Business Debit	AmEx Restaurants-Sm Bus DB
ASTD	AmEx Travel and Entertainment - Small Business Debit	AmEx Trvl and Ent -SmBusDB
ASUD	SU-AmEx Utilities - Small Business Debit	SU-AmEx Utilities - SMB Debit
ASWD	AmEx Retail - Small Business Debit	AmEx Retail-Sm Business DB
ASZD	SU-AmEx Residential Rent - Small Business Debit	SU-AmEx Residential Rent - SMB Debit
AXBD	AmEx B2B/Wholesale - Consumer Debit	AmEx B2BWholesale Cons DB
AXCD	UC-AmEx Charity - Consumer Debit	UC-AmEx Charity - Consumer Debit
AXED	AmEx Education - Consumer Debit	AmEx Education ConsDebit
AXGD	AmEx Government - Consumer Debit	AmEx Government - ConsDB
AXHD	AmEx Healthcare - Consumer Debit	AmEx Healthcare - ConsDB
AXID	UC-AmEx Insurance - Consumer Debit	UC-AmEx Insurance - Consumer Debit
AXMD	AmEx Emerging Market - Consumer Debit	AmEx Emerging Mkt Cons DB
AXO1	AmEx Other - Tier 1	AmEx Other - Tier 1
AXO2	AmEx Other - Tier 2	AmEx Other - Tier 2
AXO3	AmEx Other - Tier 3	AmEx Other - Tier 3
AXOD	AmEx Other - Consumer Debit	AmEx Other -Consumer Debit
AXR1	AmEx Retail - Tier 1	AmEx Retail - Tier 1
AXR2	AmEx Retail - Tier 2	AmEx Retail - Tier 2
AXR3	AmEx Retail - Tier 3	AmEx Retail - Tier 3
AXRD	AmEx Restaurants - Consumer Debit	AmEx Restaurants - Cons DB
AXSD	AmEx Services and Professional Services - Consumer Debit	AmEx SvcsandProfSvcs ConDB
AXTD	AmEx Travel and Entertainment - Consumer Debit	AmEx Trvland Ent Con DB
AXUD	UC-AmEx Utilities - Consumer Debit	UC-AmEx Utilities - Consumer Debit
AXV2	AmEx Service & Professional Service - Tier 2	AmEx Service & Pro Svc- Tier 2
AXV3	AmEx Service & Professional Service - Tier 3	AmEx Service & Pro Svc- Tier 3
AXV4	AmEx Service & Professional Service - Tier 4	AmEx Service & Pro Svc- Tier 4
AXWD	AmEx Retail - Consumer Debit	AmEx Retail-Consumer Debit
AXYD	UC-AmEx Online Gambling - Consumer Debit	UC-AmEx Online Gambling - Consumer Debit
AXZD	UC-AmEx Residential Rent - Consumer Debit	UC-AmEx Residential Rent - Consumer Debit
D163	Discover Prime Submission Level Petroleum - Core	Discover PSL Petroleum - Core
D171	Discover Base Submission Level - Core	Discover Base Subm Lvl - Core
D212	Discover PSL Supermarket/ Warehouse Clubs Premium Plus	DI PSL SprmktWrhseClubPremPlus
D217	Discover PSL Retail Premium Plus	DI PSL Retail Premium Plus
D218	Discover PSL Restaurants Premium Plus	DI PSL Restaurant Premium Plus
D221	Discover PSL Card Not Present Premium Plus	Discover PSL CNP Premium Plus
D222	Discover Key Entry Submission Level - Premium Plus	DI KeyEntry SubmLevel-PremPlus
D230	Discover Base Submission Level Premium Plus	DI BaseSubmissionLevelPremPlus
D360	Discover Commercial Large Ticket Prepaid	DICommercialLargeTicketPrepaid
D464	Discover Prime Submission Level E-commerce - Premium Plus	DI PSL eComm - Premium Plus
D472	Discover Prime Submission Level E-commerce Secured -PremPlus	DI PSL eComm Sec - PremiumPlus
D501	U.S. Commercial B2B 1	DI Commercial B2B 1
D502	U.S. Commercial B2B 2	DI Commercial B2B 2
D503	U.S. Commercial Adjustment Voucher Program B2B 1	DI CommAdjVoucherProgramB2B1
D504	U.S. Commercial Adjustment Voucher Program B2B 2	DI CommAdjVoucherProgramB2B2
D840	Discover Prime Submission Level Charity - Debit	Discover PSL - Charity Debit
D841	Discover Prime Submission Level Charity - Prepaid	Discover PSL - Charity Prepaid
D842	Discover Prime Submission Level Charity - Debit Non Exempt	DI PSL - Charity Debit NE
D843	Discover Prime Submission Level Charity - Prepaid Non Exempt	DI PSL -Charity Prepaid NE
D844	Discover Prime Level Submission Charity - Core	Discover PSL - Charity Core
D845	Discover Prime Level Submission Charity - Rewards	Discover PSL - Charity Rewards
D846	Discover Prime Level Submission Charity - Premium	DI PSL - Charity Core Premium
D847	Discover Prime Level Submission Charity - Premium Plus	DIPSL- Charity Core Premium Pl
D852	PSL - Public Services (Maximum) (Prepaid)	DI PSL Public Services Max Pp
D853	PSL - Public Services (Maximum) (Debit)	DI PSL Public Services Max DB
DBSC	Discover Base Submission Level - Rewards	DI Base Sub Level - Rewards
DBSP	Discover Base Submission Level - Premium	DI Base Sub Level - Premium
DCFD	Discover Prime Submission Level Charity - Debit Non Exempt w Fraud Adjustment	DI PSL-Charity DB NEwFrd Adjmt
DCFP	Discover Prime Submission Level Charity - Prepaid Non Exempt w Fraud Adjustment	DI PSL-Charity PP NEwFrd Adjmt
DCRS	Discover Prime Submission Level Restaurants - Rewards	DI Prime Sub Restaurant-Reward
DDRS	Discover Prime Submission Level Restaurants - Debit	DI Prime Sub Restaurants-Debit
DSWC	Discover Prime Submission Level Supermrkts/Warehouse - Prem	DI PrimeSub Supermarket -Prem
M02R	MasterCard World Merit 1 Real Estate	MC World Merit 1 Real Estate
M78D	Mastercard Merit 1 Real Estate - Debit	MC Merit1 RealEstate Debit
M78P	MasterCard Merit 1 Real Estate - Prepaid	MC Merit1 RealEstate Prepaid
M78R	MasterCard Merit 1 Real Estate	MC Merit 1 Real Estate
MBTA	MC B2B Product 7 - MTA	MC B2B Prod7 MTA
MBTB	MC B2B Product 8 - MTB	MC B2B Prod8 MTB
MBTC	MC B2B Product 9 - MTC	MC B2B Prod9 MTC
MBTD	MC B2B Product 10 - MTD	MC B2B Prod10 MTD
MBTE	MC B2B Product 11 - MTE	MC B2B Prod11 MTE
MBTF	MC B2B Product 12 - MTF	MC B2B Prod12 MTF
MBTG	MC B2B Product 13 - MTG	MC B2B Prod13 MTG
MBTH	MC B2B Product 14 - MTH	MC B2B Prod14 MTH
MBTI	MC B2B Product 15 - MTI	MC B2B Prod15 MTI
MBTJ	MC B2B Product 16 - MTJ	MC B2B Prod16 MTJ
MBTK	MC B2B Product 17 - MTK	MC B2B Prod17 MTK
MBTL	MC B2B Product 18 - MTL	MC B2B Prod18 MTL
MBTM	MC B2B Product 19 - MTM	MC B2B Prod19 MTM
MBTN	MC B2B Product 20 - MTN	MC B2B Prod20 MTN
MBTO	MC B2B Product 21 – MTO	MC B2B Prod21 MTO
MBTQ	MC B2B Product 22 - MTQ	MC B2B Prod22 MTQ
MBTR	MC B2B Product 23 - MTR	MC B2B Prod23 MTR
MBTS	MC B2B Product 24 - MTS	MC B2B Prod24 MTS
MBTT	MC B2B Product 25 - MTT	MC B2B Prod25 MTT
MBTU	MC B2B Product 26 - MTU	MC B2B Prod26 MTU
MBTV	MC B2B Product 27 - MTV	MC B2B Prod27 MTV
MCH1	MC High Value Merit I Insurance	MC Hi Value Merit I Insurance
MCHA	MC High Value Standard	MC High Value Standard
MCHB	MC High Value Merit I	MC High Value Merit I
MCHC	MC High Value Key Entered	MC High Value Key Entered
MCHD	MC High Value Merit III	MC High Value Merit III
MCHH	MC High Value Convenience Purchases	MC High Value Conv Purchases
MCHI	MC High Value Supermarket Base	MC High Value Supermarket Base
MCHQ	MC High Value Restaurant	MC High Value Restaurant
MCHR	MC High Value T&E	MC High Value T&E
MCHS	MC High Value Merchant UCAF	MC High Value Merchant UCAF
MCHT	MC High Value Full UCAF	MC High Value Full UCAF
MCHU	MC High Value Airline	MC High Value Airline
MCHZ	MC High Value T&E Large Ticket	MC High Value T&E Large Ticket
MCP	Mastercard Convenience Purchase	MasterCard Convenience Purch
MCSF	MasterCard Consumer Credit Full UCAF	MC Consumer Credit Full UCAF
MCSP	MasterCard Consumer Credit Merchant UCAF	MC Consumer Credit Merch UCAF
MCTR	MC Consumer Credit Enhanced Passenger Transport	MC Con Crdt Enha P-Tport
MCWE	MC Consumer Credit World Elite Airline	MC Con Crdt World Elite Air
MESB	MasterCard World Elite Supermarket Base	MC World Elite Supermarket
MHA1	MC AP intraregional Consumer Rate 1 Digital Commerce – Core	MCAPIntraConsRate1 DigCommCore
MHA2	MC AP Intraregional Consumer Rate 1 Digital Comm - Core Ovr	MCAPIntraConsRt1DigCommCorOvrd
MHA3	MC AP Intrareg Cons Rate 1 Digital Commerce Enhanced Core	MCAPIntraConsRt1DigCommEnCore
MHA4	MC AP Intraregional Cons Rate1 Digital Comm Enhance Core Ovr	MCAPIntraConsRt1DigComEnCorOvr
MHA5	MC AP Intrareg Consumer Rate 1 Digital Commerce - Premium	MC AP IntraConsRt1 DigCom Prem
MHA6	MC AP Intrareg Cons Rate 1 Digital Commerce Super Premium	MC APIntraConsRt1DigComSupPrem
MHA7	MC AP Intra Cons Rate 1 Digital Commerce - Enhance Supr Prem	MCAPIntraConsRt1DigComEnSupPrm
MHA8	MC AP Intraregional Consumer Rate 2 Card Present - Core	MC AP Intra Cons Rt 2 CP Core
MHA9	MC AP Intrareg Consumer Rate 2 Card Present Enhanced Core	MC AP IntraConsRt2 CP Enh Core
MHAA	MC AP Intraregional Consumer Rate 2 Card Present - Premium	MC AP Intra Cons Rt2 CP Prem
MHAB	MC AP Intrareg Consumer Rate 2 Card Present Super Premium	MC AP Intra Cons Rt2 CPSupPrem
MHAC	MC AP Intrareg Consumer Rate2 Card Present Enhance Supr Prem	MC AP Intra Rt2 CP Enh SupPrem
MHAD	MC AP Intraregional Consumer Rate 3 Base - Core	MC AP Intra Cons Rt3 Base Core
MHAE	MC AP Intraregional Consumer Rate 3 Base - Core Ovrd	MC AP IntraConsRt3BaseCore Ovr
MHAF	MC AP Intraregional Consumer Rate 3 Base - Enhanced Core	MC AP IntraConsRt3Base EnhCore
MHAG	MC AP Intraregional Consumer Rate3 Base - Enhanced Core Ovrd	MCAPIntraConsRt3BaseEnhCoreOvr
MHAH	MC AP Intraregional Consumer Rate 3 Base - Premium	MC AP Intra Cons Rt3 Base Prem
MHAJ	MC AP Intraregional Consumer Rate 3 Base - Super Premium	MC AP Intra ConsRt3BaseSupPrem
MHAK	MC AP Intraregional Consumer Rate 3 Base Enhanced Super Prem	MCAPIntraConsRt3BaseEnhSupPrem
MHAL	MC LAC Interregional Consumer Rate 1 Digital Commerce - Core	MCLACIntraConsRate1DigCommCore
MHAM	MC LAC Interreg Consumer Rate 1 Digital Commerce - Premium	MCLACIntraConsRate1DigCommPrem
MHAN	MC LAC Interreg Consumer Rate 1 Digital Commerce - Supr Prem	MCLACIntraConsRte1DigComSupPre
MHAP	MC LAC Interregional Consumer Rate 2 Card Present - Core	MC LAC IntraCons Rate2 CP Core
MHAQ	MC LAC Interregional Consumer Rate 2 Card Present - Premium	MC LAC IntraCons Rate2 CP Prem
MHAR	MC LAC Interregional Consumer Rate 2 Card Present Supr Prem	MC LAC IntraConsRate2CPSupPrem
MHAS	MC LAC Interregional Consumer Rate 3 Base - Core	MC LAC IntraConsRate3 BaseCore
MHAT	MC LAC Interregional Consumer Rate 3 Base - Premium	MC LAC IntraConsRate3 BasePrem
MHAU	MC LAC Interregional Consumer Rate 3 Base - Super Premium	MCLACIntraConsRate3BaseSupPrem
MHAV	MC Interregional Consumer Rate 1 Digital Commerce - Core	MC InterConsRate1 DigiCommCore
MHAW	MC Interregional Consumer Rate 1 Digital Commerce - Premium	MC InterConsRate1 DigiCommPrem
MHAX	MC Interregional Consumer Rate 1 Digital Commerce - Super Premium	MCInterConsRate1DigCommSupPrem
MHAY	MC Interregional Consumer Rate 2 Card Present - Core	MC Inter Cons Rate 2 CP Core
MHAZ	MC Interregional Consumer Rate 2 Card Present - Super	MC Inter Cons Rate2 CP Super
MHB1	MC Interregional Consumer Rate 2 Card Present - Super Premium	MC Inter ConsRate2 CPSuperPrem
MHB2	MC Interregional Consumer Rate 3 Base - Core	MC Inter Cons Rate 3 Base Core
MHB3	MC Interregional Consumer Rate 3 Base - Premium	MC Inter Cons Rate 3 Base Prem
MHB4	MC Interregional Consumer Rate 2 Card Present Super Premium	MC Inter ConsRate3Base SupPrem
MIP5	MC Unreg Consumer Dbt & Ppd w/MagStripe - IPS	MCUnregConsDbtPpdW/Mag-IPS
MIP6	MC Unreg Consumer Dbt & Ppd No MagStripe - IPS	MCUnregConsDbtPpdNoMag-IPS
MIP7	MC Reg Consumer Dbt & Ppd w/MagStripe - IPS	MCRegConsDbtPpdW/Mag-IPS
MIP8	MC Reg Consumer Dbt & Ppd No MagStripe - IPS	MCRegConsDbtPpdNoMag-IPS
MKE	MasterCard Key-Entered	MasterCard Key-Entered
MM1	MasterCard Merit 1	MasterCard Merit 1
MM3	MasterCard Merit 3	MasterCard Merit 3
MM3P	MasterCard Merit 3 Prepaid	MasterCard Merit 3 Prepaid
MPTC	MC Consumer Credit Consumer Core Passenger Transport	MC Con Crdt Con Core P-Tport
MRAA	MasterCard Enhanced Merit III Base	MC Enhanced Merit III Base
MRC1	MasterCard Consumer Credit Refund Group 1	MasterCard Credit Refund Grp 1
MRC2	MasterCard Consumer Credit Refund Group 2	MasterCard Credit Refund Grp 2
MRC3	MasterCard Consumer Credit Refund Group 3	MasterCard Credit Refund Grp 3
MRC4	MasterCard Consumer Credit Refund Group 4	MasterCard Credit Refund Grp 4
MRC5	MasterCard Consumer Credit Refund Group 5	MasterCard Credit Refund Grp 5
MREA	MasterCard Enhanced Supermarket Base	MC Enhanced Supermarket Base
MRLA	MasterCard Enhanced Convenience Purchase	MC Enhanced Convenience Purch
MRNA	MasterCard Enhanced Merchant UCAF	MC Enhanced Merchant UCAF
MROA	MasterCard Enhanced Full UCAF	MC Enhanced Full UCAF
MRPA	MasterCard Enhanced Merit I	MC Enhanced Merit I
MRPR	MasterCard Enhanced Merit 1 Real Estate	MC Enhanced Merit 1 RealEstate
MRQA	MasterCard Enhanced Key Entered	MC Enhanced Key Entered
MRTA	MasterCard Enhanced Utilities	MC Enhanced Utilities
MRUA	MasterCard Enhanced Standard	MC Enhanced Standard
MSMC	MasterCard Supermarket Credit	MC Supermarket Credit
MStd	MasterCard Standard	MasterCard Standard
MTLC	MC Lodging/AutoRental/Cruise - Credit	MC Lodg/AutoRl/Cruise - Credit
MTLE	MC Lodging/AutoRental/Cruise - Enhanced	MC Lodg/AutoR/Cruise-Enhanced
MUTC	MasterCard Utilities Credit	MC Utilities Credit
MWBI	MasterCard World Elite Merit 1 Insurance	MC World Elite Merit 1 Insurnc
MWE3	MasterCard World Elite Merit III	MC World Elite Merit III
MWEC	MasterCard World Elite Convenience Purchases	MC World Elite Conv Purchases
MWEE	MasterCard World Elite T&E	MC World Elite T&E
MWEF	MasterCard World Elite Full UCAF	MC World Elite Full UCAF
MWEK	MasterCard World Elite Key-Entered	MC World Elite Key-Entered
MWEM	MasterCard World Elite Merit I	MC World Elite Merit I
MWER	MasterCard World Elite Restaurant	MC World Elite Restaurant
MWES	MasterCard World Elite Standard	MC World Elite Standard
MWEU	MasterCard World Elite Merchant UCAF	MC World Elite Merchant UCAF
MWLD	MasterCard World T&E	MasterCard World T&E
MWSF	MasterCard World Full UCAF	MasterCard World Full UCAF
MWSP	MasterCard World Merchant UCAF	MasterCard World Merchant UCAF
MWU1	MasterCard World US Merit I	MasterCard World US Merit I
MWU3	MC World Merit 3 Credit	MC World Merit 3 Credit
MWUC	MasterCard World US Convenience Purchase	MC World US Convenience Purch
MWUK	MasterCard World US Key	MasterCard World US Key
MWUM	MasterCard World Supermarket	MC World Supermarket
MWUR	MasterCard World US Restaurant	MasterCard World US Restaurant
MWUS	MasterCard World US Standard	MasterCard World US Standard
MWUT	MasterCard World Utilities Credit	MC World Utilities Credit
MWZA	MasterCard Consumer World Elite T&E Large Ticket	MC Consumer WE T&E Lg Tkt
MXFJ	Mastercard Merit 1 Day Care	Mastercard Merit I Day Care
MXFK	Mastercard Enhanced Merit I Day Care	MC Enhanced Merit I Day Care
MXFL	Mastercard World Merit I Day Care	MC World Merit I Day Care
MXFM	Mastercard Merit 1 Real Estate - Debit - Max	MC Merit I Real Estate -DB MX
MXFN	Mastercard Merit 1 Real Estate - Prepaid - Max	MC Merit I Real Estate-PP- Max
P007	Pulse PINlessPOS Grocery Limited and Prepaid	PP PPOS Grocery L&P
P008	Pulse PINlessPOS Grocery Limited and Prepaid MAX	PP PPOS Grocery L&P MAX
P009	Pulse PINlessPOS Petro Limited and Prepaid	PP PPOS Petro L&P
P010	Pulse PINlessPOS Petro Limited and Prepaid MAX	PP PPOS Petro L&P MAX
P011	Pulse PINlessPOS Gen Retail Limited and Prepaid	PP PPOS GenRetail L&P
P012	Pulse PINlessPOS Restaurant Limited and Prepaid	PP PPOS Rstrnt L&P
P013	Pulse PINlessPOS Travel/Hotel/Car Rental Limited and Prepaid	PP PPOS Trvl/Htl/Rntl L&P
P014	Pulse PINlessPOS Passenger Transport Limited and Prepaid	PP PPOS Psngr Trnsprt L&P
P015	Pulse PINlessPOS Utility Limited and Prepaid	PP PPOS Utlty L&P
P016	Pulse PINlessPOS Small Ticket (CP4) Limited and Prepaid	PP PPOS Sml Tkt L&P
P017	Pulse PINlessEComm Limited and Prepaid	PP Ecomm L&P
P018	Pulse PINlessEComm Small Ticket <$15 Limited and Prepaid	PP Ecomm Small Tkt L&P
P019	Pulse PINlessBillPay - Cat 1 Limited and Prepaid	PP BillPay - Cat 1 L&P
PL3G	Pulse Pay Limited Grocery Tier 3	Pulse Pay Ltd Grocery Tier 3
PL3P	Pulse Pay Limited Petrol Tier 3	Pulse Pay Ltd Petrol Tier 3
PL3X	Pulse Pay Limited Groc Tier 3 Max	Pulse Pay Ltd Groc Tier 3 Max
PLP3	Pulse Pay Limited Petrol Tier 3 Max	Pulse Pay Ltd Petrol Tier 3 Mx
PPD	Pulse PINlessBillPay - Cat 2 Pay and Choice	PP BillPay - Cat 2 P&C
PPEX	Pulse PINlessBillPay - Cat 3 MAX	PP BillPay - Cat 3 MAX
PPPD	Pulse PINlessBillPay - Cat 2 Limited and Prepaid	PP BillPay - Cat 2 L&P
PPPE	Pulse PINlessBillPay - Cat 3 Limited and Prepaid	PP BillPay - Cat 3 L&P
SSBU	Star Select PINless BillPay Utility	Star Select PINless BillPayU
V105	Visa Non-Qualified Consumer Credit	VI NonQualified Cons Credit
V146	Visa CPS Travel Signature	Visa CPS Tvl Signature
V151	Visa CPS SmallTicket Supermarket-Sign	VI CPS SmTktSpmktSig
V153	Visa CPS Sm Ticket Supermarket Retail SigPref	VICPSSmTktSpmktRetailSigPrf
V234	Visa Corporate Card - Card Not Present	Visa Corporate Card - CNP
V235	Visa Corporate Card -Card Present	Visa Corp Card -Card Present
V271	Visa Corporate Non-T&E Level 3	Visa Corporate Non-T&E Level 3
V272	Visa Corporate Non-Qualified with Data	Visa Corporate NonQualifywData
V451	Visa CPS Small Ticket Signature	VI CPS Small TicketSign
V452	Visa CPS Small Ticket Signature Preferred	VI CPS Sm Ticket SignPref
V453	Visa CPS Advertising Traditional	VI CPS Advertising Traditional
V454	Visa CPS Advertising Traditional Rewards	VI CPS Advertising Trad Reward
V455	Visa CPS Advertising Signature	VI CPS Advertising Sign
V456	Visa CPS Advertising Signature Pref	VI CPSAdvertisingSignPref
V457	Visa CPS Insurance Traditional	VI CPS Insurance Traditional
V458	Visa CPS Insurance Traditional Rewards	VI CPS Insurance Trad Reward
V459	Visa CPS Insurance Signature	VI CPS InsuranceSign
V45Y	Visa CPS Small Ticket Signature MIN	VI CPS SmTicketSign MIN
V45Z	Visa CPS Small Ticket Signature Preferred MIN	VI CPS SmTktSignPref MIN
V460	Visa CPS Insurance Signature Pref / Infinite SQ	VI CPS Insurance SignPrefInfSQ
V460	Visa CPS Insurance Signature Pref	VI CPS Insurance SignPref
V461	Visa CPS Healthcare Traditional	VI CPS Healthcare Traditional
V462	Visa CPS Healthcare Traditional Rewards	VI CPS Healthcare Trad Reward
V463	Visa CPS Healthcare Signature	VI CPS HealthcareSign
V464	Visa CPS Healthcare Signature Pref	VI CPS HealthcareSignPref
V465	Visa CPS Real Estate Traditional	VI CPS Real Estate Traditional
V466	Visa CPS Real Estate Traditional Rewards	VI CPS Real Estate Trad Reward
V467	Visa CPS Real Estate Signature	VI CPS RealEstateSign
V468	Visa CPS Real Estate Signature Pref	VI CPS RealEstateSignPref
V469	Visa CPS Education Traditional	VI CPS Education Traditional
V470	Visa CPS Education Traditional Rewards	VI CPS Education Trad Reward
V471	Visa CPS Education Signature	VI CPS EducationSign
V472	Visa CPS Education Signature Pref	VI CPS Education SignPref
V473	Visa CPS Services Traditional	VI CPS Services Traditional
V474	Visa CPS Services Traditional Rewards	VI CPS Services Trad Reward
V475	Visa CPS Services Signature	VI CPS Services Sign
V476	Visa CPS Services Signature Pref	VI CPS Services SignPref
V477	Visa CPS Travel Traditional	VI CPS Travel Traditional
V478	Visa CPS Travel Traditional Rewards	VI CPS Tvl Traditional Reward
V479	Visa CPS Travel Signature Pref	Visa CPS TvlSignPref
V481	Visa CPS CP Restaurant Traditional / Rewards	VI CPS CP Restaurant Trad Rwd
V482	Visa CPS CNP Restaurant Signature / Preferred	VI CPSCNPRestrntSignPref
V483	Visa CPS CP Restaurant Signature / Preferred	VI CPSCPRestrantSignPref
V485	Visa CPS CP Taxi Traditional / Rewards	VI CPS CP Taxi Trad Reward
V486	Visa CPS CNP Taxi Signature / Preferred	VI CPSCNPTaxiSignPref
V487	Visa CPS CP Taxi Signature / Preferred	VI CPSCPTaxiSign Pref
V48S	Visa CPS CP Restaurant Traditional / Rewards MIN	VI CPS CPRestaurantTradRwd MIN
V48T	Visa CPS CP Restaurant Signature / Preferred MIN	VI CPSCPRestrantSignPrefMIN
V48V	Visa CPS CNP Restaurant Signature / Preferred MIN	VI CPSCNPRestrntSignPrefMIN
V48W	Visa CPS CP Taxi Traditional / Rewards MIN	VI CPS CP Taxi Trad Reward MIN
V48X	Visa CPS CP Taxi Signature / Preferred MIN	VI CPSCPTaxiSign PrefMIN
V48Z	Visa CPS CNP Taxi Signature / Preferred MIN	VI CPSCNPTaxiSignPrefMIN
V491	Visa CPS Tele/Cable Signature Pref	VI CPS TeleCable SignPref
V492	Visa CPS Product 1 Traditional CNP	VI CPS Education Trad Reward
V494	Visa CPS Product 1 Traditional Rewards CNP	VI CPS EducationSign
V496	Visa CPS Product 1 Signature CNP	VI CPS Education SignPref
V497	Visa CPS Product 2 Signature CP	VI CPS Prd2 SignCP
V498	Visa CPS Product 1 Signature Pref CNP	VI CPS Services Traditional
V499	Visa CPS Product 2 SignaturePreferred CP	VI CPS Prd2 SigPref CP
V5FH	Visa EU InterRegional Face-to-FaceElectronic-Debit & Prepaid	VI EU InterReg F2FElect Dbt PP
V5FJ	Visa EU InterRegional Card-Not-Present/Other-Debit & Prepaid	VI EU InterReg CNPOther Dbt PP
V5FL	Visa EU InterRegional CredVouch/Merch Return-Debit & Prepaid	VI EU IntrRegCrdVchMerRetDbtPP
V605	Visa CPS Advertising Traditional Non-Token CNP	VI CPS Ad Trad Non-Tken CNP
V606	Visa CPS Advertising Traditional Rewards Non-Token CNP	VI CPS Ad Trad Rwds NonTkn CNP
V607	Visa CPS Advertising Signature Non-Token CNP	VI CPS AdvSignNonTkn CNP
V608	Visa CPS Advertising Sig Pref Non-Token CNP	VI CPS Ad SP Non-Tkn CNP
V609	Visa CPS Insurance Traditional Non-Token CNP	VI CPS Ins Trad Non-Tkn CNP
V610	Visa CPS Insurance Traditional Rewards Non-Token CNP	VI CPS InsTradRwds Non-Tkn CNP
V611	Visa CPS Insurance Signature Non-Token CNP	VI CPS InsSignNonTknCNP
V612	Visa CPS Insurance Signature Pref / Infinite SQ Non-Token CNP	VI CPS ISP/Inf SQ Non-Tkn CNP
V612	Visa CPS Insurance Signature Pref Non-Token CNP	VI CPS ISP Non-Tkn CNP
V613	Visa CPS Healthcare Traditional Non-Token CNP	VI CPS HC Trad Non-Token CNP
V614	Visa CPS Healthcare Traditional Rewards Non-Token CNP	VI CPS HC Trad Rwds NonTkn CNP
V615	Visa CPS Healthcare Signature Non-Token CNP	VI CPS HCSignNonTkn CNP
V616	Visa CPS Healthcare Signature Pre Non-Token CNP	VI CPS HC SP Non-Tkn CNP
V617	Visa CPS Real Estate Traditional Non-Token CNP	VI CPS RE Trad Non-Tkn CNP
V618	Visa CPS Real Estate Traditional Rewards Non-Token CNP	VI CPS RE TradRwds Non-Tkn CNP
V619	Visa CPS Real Estate Signature Non-Token CNP	VI CPS RealSignNonTkn CNP
V620	Visa CPS Real Estate SigPref Non-Token CNP	VI CPS RE SP NonTkn CNP
V621	Visa CPS Education Traditional Non-Token CNP	VI CPS Ed Trad NonTkn CNP
V622	Visa CPS Education Traditional Rewards Non-Token CNP	VI CPS Ed Trad Rwds NonTkn CNP
V623	Visa CPS Education Signature Non-Token CNP	VI CPS EdSignNonTkn CNP
V624	Visa CPS Education Signature Pref Non-Token CNP	VI CPS Ed SP NonTkn CNP
V625	Visa CPS Services Traditional Non-Token CNP	VI CPS Svcs Trad Non-Token CNP
V626	Visa CPS Services Traditional Rewards Non-Token CNP	VI CPS STR Non-Token CNP
V627	Visa CPS Services Signature Non-Token CNP	VI CPS ServSignNonTkn CNP
V628	Visa CPS Services Signature Pref Non-Token CNP	VI CPS SSP Non-Tkn CNP
V629	Visa CPS Tele/Cable Non-Token CNP	VI CPS Tele/Cable Non-Tkn CNP
V630	Visa CPS Tele/Cable Signature Pref / Infinite SQ Non-Token CNP	VI CPS T/C SP/I SQ Non-Tkn CNP
V630	Visa CPS Tele/Cable Signature Pref Non-Token CNP	VI CPS T/C SP Non-Tkn CNP
V631	Visa CPS Product 1 Traditional Token CNP	VI CPS Product 1 TT CNP
V632	Visa CPS Product 1 Traditional Rewards Token CNP	Visa CPS Product 1 TRT CNP
V633	Visa CPS Product 1 Signature Token CNP	VI CPS Prod1 SignTk CNP
V634	Visa CPS Product 1 Signature Pref Token CNP	VI CPS Prod1 SP Tk CNP
V635	VI CPS Small Merchant Advertising Traditional	VI CPS SM Advertising Trad
V636	VI CPS Small Merchant Advertising Traditional Rewards	VI CPS SM Advertising TradRew
V637	VI CPS Small Merchant Advertising Signature	VI CPS SM Advertising Sig
V638	VI CPS Small Merchant Advertising Signature Preferred	VI CPS SM Advertising SigPref
V639	VI CPS Small Merchant Insurance Trad / Rewards / Signature	VI CPS SM InsuranceTrad/Rw/Sig
V640	VI CPS Small Merchant Insurance Signature Preferred	VI CPS SM Insurance SigPref
V641	VI CPS Small Merchant Healthcare Trad / Rewards / Signature	VI CPS SMHealthcare TradRewSig
V642	VI CPS Small Merchant Healthcare Signature / Preferred	VI CPS SM Healthcare SigPref
V643	VI CPS Small Merchant Real Estate Trad / Rewards / Signature	VI CPS SMRealEstate TradRewSig
V644	VI CPS Small Merchant Real Estate Signature Preferred	VI CPS SM RealEstate SigPref
V645	VI CPS Small Merchant Education Trad / Rewards / Signature	VI CPS SM Edu TradRewSig
V646	VI CPS Small Merchant Education Signature Preferred	VI CPS SM Edu SigPref
V647	VI CPS Small Merchant Services Traditional	VI CPS SM Services Trad
V648	VI CPS Small Merchant Services Traditional Rewards	VI CPS SM Services Trad Rew
V649	VI CPS Small Merchant Services Signature	VI CPS SM Services Sig
V650	VI CPS Small Merchant Services Signature Preferred	VI CPS SM Services SigPref
V651	VI CPS Small Merchant Telecomm/Cable Trad / Rewards / Sign	VI CPS SM Telecomm TradRewSign
V652	VI CPS Small Merchant Telecomm/Cable Signature Preferred	VI CPS SM Telecomm Sign Pref
V653	VI CPS Small Merchant Restaurant Traditional / Rewards	VI CPS SM Rest Trad/Rwd
V654	VI CPS Small Merchant Restaurant Signature / Preferred	VI CPS SM Rest Sig/Pref
V655	VI CPS Small Merchant Taxi Traditional / Rewards	VI CPS SM Taxi Trad/Rwd
V656	VI CPS Small Merchant Taxi Signature / Preferred	VI CPS SM Taxi Sig/Pref
V65A	VI CPS Small Merchant Restaurant Traditional / Rewards -Min	VI CPS SM Rest Trad/Rwd-Min
V65B	VI CPS Small Merchant Restaurant Signature / Preferred - Min	VI CPS SM Rest Sig/Pref-Min
V65C	VI CPS Small Merchant Taxi Traditional / Rewards -Min	VI CPS SM Taxi Trad/Rwd-Min
V65D	VI CPS Small Merchant Taxi Signature / Preferred - Min	VI CPS SM Taxi Sig/Pref-Min
V667	Visa CPS Sm Ticket Supermarket Retail Inf SpendQual	VICPSSmTktSpmktRetailInf
V668	Visa CPS Small Ticket Infinite SQ	VI CPS Sm TicketInfSQ
V669	Visa CPS Advertising Infinite SQ	VI CPSAdvertisingInfSQ
V66Z	Visa CPS Small Ticket Infinite SQ MIN	VI CPS SmTktInfSQ MIN
V670	Visa CPS Advertising Infinite SQ Non-Token CNP	VI CPS Ad I SQ Non-Tkn CNP
V671	Visa CPS Education Infinite SQ	VI CPS Education InfSQ
V672	Visa CPS Education Infinite SQ Non-Token CNP	VI CPS Ed Inf SQ NonTkn CNP
V673	Visa CPS Healthcare Infinite SQ	VI CPS HealthcareInfSQ
V674	Visa CPS Healthcare Infinite SQ Non-Token CNP	VI CPS HC I SQ Non-Tkn CNP
V675	Visa CPS Insurance Infinite SQ	VI CPS Insurance InfSQ
V676	Visa CPS Insurance Infinite SQ Non-Token CNP	VI CPS Inf SQ Non-Tkn CNP
V677	Visa CPS Tele/Cable Infinite SQ	VI CPS TeleCable InfSQ
V678	Visa CPS Tele/Cable Infinite SQ Non-Token CNP	VI CPS T/C InfSQ Non-TknCNP
V679	Visa CPS Real Estate Infinite SQ	VI CPS RealEstateInfSQ
V680	Visa CPS Real Estate Infinite SQ Non-Token CNP	VI CPS RE Inf SQ NonTkn CNP
V681	Visa CPS CNP Restaurant Infinite SQ	VI CPS CNPRestrant InfSQ
V682	Visa CPS CP Restaurant Infinite SQ	VI CPS CP Restrant InfSQ
V683	Visa CPS Services Infinite SQ	VI CPS Services InfSQ
V684	Visa CPS Services Infinite SQ Non-Token CNP	VI CPS Inf SQ Non-Tkn CNP
V685	Visa CPS CNP Taxi Infinite SQ	VI CPS CNP Taxi InfSQ
V686	Visa CPS CP Taxi Infinite SQ	VI CPS CP Taxi InfSQ
V687	Visa CPS Travel Infinite SQ	Visa CPS TvlInfiniteSQ
V688	Visa CPS Product 1 Infinite SQ Token CNP	VI CPS Prod1 Inf SQ Tk CNP
V689	Visa CPS Product 1 Infinite SQ CNP	VI CPS Prd1 Inf SQ CNP
V68Q	Visa CPS CP Taxi Infinite SQ MIN	VI CPSCP Taxi InfSQ MIN
V68T	Visa CPS CP Restaurant Infinite SQ MIN	VI CPSCPRestrantInfSQMIN
V68V	Visa CPS CNP Restaurant Infinite SQ MIN	VI CPSCNPRestrntInfSQMIN
V68Z	Visa CPS CNP Taxi Infinite SQ MIN	VI CPSCNP Taxi InfSQ MIN
V690	Visa CPS Product 2 Infinite SQ CP	VI CPS Prd2 Inf SQ CP
V694	Visa CPS Small Ticket Inf SNQ - Fuel Gov	VICPSSmTktTInfSNQFulGov
V727	VI CPS Small Merchant Advertising Infinite SQ	VI CPS SM Advertising InfSQ
V728	VI CPS Small Merchant Insurance Infinite SQ	VI CPS SM Insurance InfSQ
V729	VI CPS Small Merchant Healthcare Infinite SQ	VI CPS SM Healthcare InfSQ
V730	VI CPS Small Merchant Real Estate Infinite SQ	VI CPS SM RealEstate InfSQ
V731	VI CPS Small Merchant Education Infinite SQ	VI CPS SM Edu InfSQ
V732	VI CPS Small Merchant Services Infinite SQ	VI CPS SM Services Inf SQ
V733	VI CPS Small Merchant Telecomm/Cable Infinite SQ	VI CPS SM Telecomm Inf SQ
V734	VI CPS Small Merchant Restaurant Infinite SQ	VI CPS SM Rest InfSQ
V735	VI CPS Small Merchant Taxi Infinite SQ	VI CPS SM Taxi InfSQ
V738	Visa CPS SmallTicket Supermarket-Infinite Spnd Not Qual	VI CPS SmTktSpmktInfSpdNQ
V739	Visa CPS Small Ticket Infinite SNQ	VI CPS Small TicketInfSNQ
V73A	VI CPS Small Merchant Restaurant Infinite SQ - Min	VI CPS SM Rest Inf SQ-Min
V73B	VI CPS Small Merchant Taxi Infinite SQ - Min	VI CPS SM Taxi Inf SQ-Min
V73Q	Visa CPS Small Ticket Infinite SNQ MIN	VI CPS SmTicketInfSNQ MIN
V740	Visa CPS Advertising Infinite SNQ	VI CPS AdvertisingInfSNQ
V741	Visa CPS Advertising Infinite SNQ Non-Token CNP	VI CPS AdvInSNQNonTkn CNP
V742	Visa CPS Education Infinite SNQ	VI CPS EducationInfSNQ
V743	Visa CPS Education Infinite SNQ Non-Token CNP	VI CPS EdInfSNQNonTkn CNP
V744	Visa CPS Healthcare Infinite SNQ	VI CPS HealthcareInfSNQ
V745	Visa CPS Healthcare Infinite SNQ Non-Token CNP	VI CPS HCInfSNQNonTkn CNP
V746	Visa CPS Insurance Infinite SNQ	VI CPS InsuranceInfSNQ
V747	Visa CPS Insurance Infinite SNQ Non-Token CNP	VI CPS InsInfSNQ NonTknCNP
V748	Visa CPS Tele/Cable Infinite SNQ	Visa CPS Tele/CableInfSNQ
V749	Visa CPS Tele/Cable Inf SNQ Non-Token CNP	VI CPS Tele/CableInfSNQNTknCNP
V750	Visa CPS Real Estate Infinite SNQ	VI CPS RealEstateInfSNQ
V751	Visa CPS Real Estate Infinite SNQ Non-Token CNP	VI CPS RealInfSNQNonTkn CNP
V752	Visa CPS CNP Restaurant Infinite SNQ	VI CPSCNPRestrntInfSNQ
V753	Visa CPS CP Restaurant Infinite SNQ	VI CPSCPRestrantInfSNQ
V754	Visa CPS Services Infinite SNQ	VI CPS Services InfSNQ
V755	Visa CPS Services Infinite SNQ Non-Token CNP	VI CPS ServInfSNQNonTkn CNP
V756	Visa CPS CNP Taxi Infinite SNQ	VI CPSCNPTaxiInfSNQ
V757	Visa CPS CP Taxi Infinite SNQ	VI CPSCPTaxiInfSNQ
V758	Visa CPS Travel Infinite SNQ	Visa CPS Tvl InfiniteSNQ
V759	Visa CPS Product 1 Infinite SNQ Token CNP	VI CPS Prod1 InfSNQ Tk CNP
V75T	Visa CPS CP Restaurant Infinite SNQ MIN	VI CPSCPRestrantInfSNQMIN
V75V	Visa CPS CNP Restaurant Infinite SNQ MIN	VI CPSCNPRestrntInfSNQMIN
V75X	Visa CPS CP Taxi Infinite SNQ MIN	VI CPSCPTaxiInfSNQMIN
V75Z	Visa CPS CNP Taxi Infinite SNQ MIN	VI CPSCNPTaxiInfSNQMIN
V760	Visa CPS Product 1 Infinite SNQ CNP	VI CPS Prd1 Inf SNQ CNP
V761	Visa CPS Product 2 Infinite SNQ CP	VI CPS Prd2Inf SNQ CP
V763	VI CPS Small Merchant Advertising Infinite SNQ	VI CPS SM Advertising InfSNQ
V764	VI CPS Small Merchant Insurance Infinite SNQ	VI CPS SM Insurance InfSNQ
V765	VI CPS Small Merchant Healthcare Infinite SNQ	VI CPS SM Healthcare InfSNQ
V766	VI CPS Small Merchant Real Estate Infinite SNQ	VI CPS SM RealEstate InfSNQ
V767	VI CPS Small Merchant Education Infinite SNQ	VI CPS SM Edu InfSNQ
V768	VI CPS Small Merchant Services Infinite SNQ	VI CPS SM Services Inf SNQ
V769	VI CPS Small Merchant Telecomm/Cable Infinite SNQ	VI CPS SM Telecomm Inf SNQ
V770	VI CPS Small Merchant Restaurant Infinite SNQ	VI CPS SM Rest InfSNQ
V771	VI CPS Small Merchant Taxi Infinite SNQ	VI CPS SM Taxi InfSNQ
V772	Visa CPS Small Merchant Product 1 Infinite SNQ CNP	VI CPS SM-P1 InfSNQCP
V773	Visa CPS Small Merchant Product 2 Infinite SNQ CP	VI CPS SM-P2 InfSNQ CP
V77A	VI CPS Small Merchant Restaurant Infinite SNQ - Min	VI CPS SM Rest Inf SNQ-Min
V77B	VI CPS Small Merchant Taxi Infinite SNQ - Min	VI CPS SM Taxi Inf SNQ-Min
V901	Visa Interregional Uncategorized	Visa Inter Uncategorized
V903	Visa Interregional Electronic	Visa Interregional Electronic
V905	Visa Interregional Business & Visa Signature Business Card	Visa Int'reg Bus & Sig Bus Crd
V906	Visa Interregional Corporate Card	Visa Interregional Corp Card
V907	Visa Interregional Purchasing & Distribution Card	Visa Int'reg Purch & Dist Card
V917	Visa Interregional Chip	Visa Interregional Chip
V918	Visa Interregional Electronic Commerce Merchant	VI Interrgnl Elect Comrc Mrcht
V919	Visa Interregional Secure Electronic Commerce	Vi Int'reg Secure Electrn Comm
V947	Visa Interregional Premium Card	Visa Interregional Prem Card
V948	Visa Interregional Super Premium Rate	Visa Interreg Super Prem Rate
V982	Visa Interregional Super Premium Card Not Present	Visa Inter Super Prem CNP
V983	Visa Interregional Super Premium Downgrade	Visa Inter Super Prem D'grade
V984	Visa Interregional Premium Card Not Present	Visa Inter Prem CNP
V985	Visa Interregional Premium Downgrade	Visa Inter Prem D'grade
V986	Visa Interregional Non-Premium Card Present	Visa Inter Non-Prem CP
V987	Visa Interregional Non-Premium Card Not Present	Visa Inter Non-Prem CNP
V988	Visa Interregional Non-Premium Downgrade	Visa Inter Non-Prem D'grade
V989	Visa Interregional Business Card Not Present	Visa Inter Business CNP
V990	Visa Interregional Business Downgrade	Visa Inter Business D'grade
V991	Visa Interregional Corporate Card Not Present	Visa Inter Corp CNP
V992	Visa Interregional Corporate Downgrade	Visa Inter Corp D'grade
V993	Visa Interregional Purchasing Card Not Present	Visa Inter Purch CNP
V994	Visa Interregional Purchasing Downgrade	Visa Inter Purch D'grade
V995	Visa Interregional Credit Voucher or Return Consumer	Visa Inter Refund Consumer
V996	Visa Interregional Credit Voucher or Return Commercial	Visa Inter Refund Commercial
VA1F	Visa Flexible Rate B2B Virtual Payments-Program 1	VIFlexRateB2BVirPymntsProg1
VA2F	Visa Flexible Rate B2B Virtual Payments-Program 2	VIFlexRateB2BVirPymntsProg2
VA3F	Visa Flexible Rate B2B Virtual Payments-Program 3	VIFlexRateB2BVirPymntsProg3
VA4F	Visa Flexible Rate B2B Virtual Payments-Program 4	VIFlexRateB2BVirPymntsProg4
VA5F	Visa Flexible Rate B2B Virtual Payments-Program 5	VIFlexRateB2BVirPymntsProg5
VA6F	Visa Flexible Rate B2B Virtual Payments-Program 6	VIFlexRateB2BVirPymntsProg6
VA7F	Visa Flexible Rate B2B Virtual Payments-Program 7	VIFlexRateB2BVirPymntsProg7
VA8A	Visa Global B2B Virtual Payments-Program 8	VI Global B2BVirPymntsProg8
VA8F	Visa Flexible Rate B2B Virtual Payments-Program 8	VIFlexRateB2BVirPymntsProg8
VA9A	Visa Global B2B Virtual Payments-Program 9	VI Global B2BVirPymntsProg9
VA9F	Visa Flexible Rate B2B Virtual Payments-Program 9	VIFlexRateB2BVirPymntsProg9
VACE	Visa Acquirer Chip Fee Electronic	Visa Acquirer Chip Fee Electro
VACF	Visa Acquirer Chip Fee	Visa Acquirer Chip Fee
VB1A	Visa Global B2B Virtual Payments-Program 10	VI Global B2BVirPymntsProg10
VB1F	Visa Flexible Rate B2B Virtual Payments-Program 10	VIFlexRateB2BVirPymntsProg10
VB2A	Visa Global B2B Virtual Payments-Program 11	VI Global B2BVirPymntsProg11
VB2F	Visa Flexible Rate B2B Virtual Payments-Program 11	VIFlexRateB2BVirPymntsProg11
VB3A	Visa Global B2B Virtual Payments-Program 12	VI Global B2BVirPymntsProg12
VB3F	Visa Flexible Rate B2B Virtual Payments-Program 12	VIFlexRateB2BVirPymntsProg12
VB4A	Visa Global B2B Virtual Payments-Program 13	VI Global B2BVirPymntsProg13
VB4F	Visa Flexible Rate B2B Virtual Payments-Program 13	VIFlexRateB2BVirPymntsProg13
VCAE	Visa CA Interregional Acquirer Chip Fee Electron	VI CA Interreg AcqChipFeeElect
VCCF	Visa CA Interregional Acquirer Chip Fee	VI CA Interreg AcquirerChipFee
VCIC	Visa CA Interregional Issuer Chip Fee	VI CA Interreg Issuer Chip Fee
VCIE	Visa International Consumer Electronic	Visa Intl Consumer Elec
VCIS	Visa International Consumer Uncategorized	Visa Inter Consumer Uncategor
VCL2	Visa Commercial Card - Level 2	Visa Commercial Card - Level 2
VCS	Visa Commercial Card - Non-Qualified	Visa Commercial CardNonQualify
VCS2	Visa CPS Small Merchant Product 1 Traditional CNP	VI CPS SM-P1 Trad CP
VCS3	Visa CPS Small Merchant Product 1 Traditional Rewards CNP	VI CPS SM-P1 Trad_Rw CP
VCS4	Visa CPS Small Merchant Product 1 Signature/Infinite SNQ CNP	VI CPS SM-P1 Sig/InfSNQ CP
VCS5	Visa CPS Small Merchant Product 1 SigPref CNP	VI CPS SM-P1 SigPref
VCS6	Visa CPS Small Merchant Product 2 Traditional CP	VI CPS SM-P2 Trad CP
VCS7	Visa CPS Small Merchant Product 2 Traditional Rewards CP	VI CPS SM-P2 Trad_Rw CP
VCS8	Visa CPS Small Merchant Product 2 Signature/Infinite SNQ CP	VI CPS SM-P2 Sig/InfSNQ CP
VCS9	Visa CPS Small Merchant Product 2 SignPref CP	VI CPS SM-P2 SigPref CP
VCSI	Visa CPS Small Merchant Product 1 Infinite SQ CNP	VI CPS SM-P1 InfSQ CNP
VCSQ	Visa CPS Small Merchant Product 2 Infinite SQ CP	VI CPS SM-P2 InfSQ CP
VCST	Visa CPS Small Ticket Trad Rewards Sign - Fuel Gov	VICPSSmTktTrdRwSigFulGov
VEAY	Visa Europe Interregional Uncategorized Debit	Visa EU Inter Uncategorized DB
VEB4	Visa Europe Interregional AUTHENTICTD SEC Debit	VI EU Interreg AUTHENTD SEC ID
VEB5	Visa Europe Interregional NONAUTHND MRCH Debit	VI EU Interreg NNATHND MRCH ID
VECN	Visa Electronic Commerce - Secure/NonAuthenticated
VECS	Visa Electronic Commerce - Secure
VEDL	Visa Europe Interregional Uncategorized	Visa EU Inter Uncategorized
VEDR	Visa Europe Interregional AUTHENTICTD SEC	VI EU Interreg AUTHENTICTD SEC
VEDS	Visa Europe Interregional NONAUTHND MRCH	VI EU Interreg NONAUTHND MRCH
VEGF	Visa Europe Interregional CHIP FULL PIN	VI EU Interreg CHIP FULL PIN
VEGG	Visa Europe Interregional CHIP FULL	VI EU Interregional CHIP FULL
VEGH	Visa Europe Interregional CHIP TERMINAL	VI EU Interreg CHIP TERMINAL
VEHC	Visa Europe Interregional CHIP FULL PIN Debit	VI EU Intereg CHIP FULL PIN ID
VEHE	Visa Europe Interregional CHIP FULL Debit	VI EU Interreg CHIP FULL ID
VEHF	Visa Europe Interregional CHIP TERMINAL Debit	VI EU Intereg CHIP TERMINAL ID
VENS	Visa Interregional Ecom - Non Secure & Non Auth	Visa Inter Ecom Uncategorized
VFP2	VISA Flexible Credential Consumer AP - Base	VIFlexCredConsBaseAP
VFP3	VISA Flexible Credential Consumer AP - Alternative	VIFlexCredConsAltAP
VFP4	VISA Flexible Credential Consumer AP - Standard	VIFlexCredConsStdAP
VIAA	Visa Interregional Airline Acquirer Chip	VI Interreg Air Acquirer Chip
VIQT	Visa CPS Supermarket Retail Infinite Spend Qual	VI CPS SpmktRetail Inf
VK11	Visa CPS RecurTelecomTier1TradRewardsSignInfSNQ Token	VICPSRecTelT1TraSigInSNQT
VK12	Visa CPS RecurTelecomTier1SignPref InfSQ Token	VICPSRecTelT1SigPInSQT
VK13	Visa CPS RecurTelecomTier1TradRewardsSignInfSNQ NonToken	VICPSRecTelT1TraSigISNQNT
VK14	Visa CPS RecurTelecomTier1SignPref InfSQ NonToken	VICPSRecTelT1SigPInSQNT
VK21	Visa CPS RecurTelecomTier2TradRewardsSignInfSNQ Token	VICPSRecTelT2TraSigInSNQT
VK22	Visa CPS RecurTelecomTier2SignPref InfSQ Token	VICPSRecTelT2SigPInSQT
VK23	Visa CPS RecurTelecomTier2TradRewardsSignInfSNQ NonToken	VICPSRecTelT2TraSigISNQNT
VK24	Visa CPS RecurTelecomTier2SignPref InfSQ NonToken	VICPSRecTelT2SigPInSQNT
VK31	Visa CPS RecurTelecomTier3TradRewardsSignInfSNQ Token	VICPSRecTelT3TraSigInSNQT
VK32	Visa CPS RecurTelecomTier3SignPref InfSQ Token	VICPSRecTelT3SigPInSQT
VK33	Visa CPS RecurTelecomTier3TradRewardsSignInfSNQ NonToken	VICPSRecTelT3TraSigISNQNT
VK34	Visa CPS RecurTelecomTier3SignPref InfSQ NonToken	VICPSRecTelT3SigPInSQNT
VL12	Visa CPS Retail Tier 1 Signature	VI CPS RtlCrTier1Sign
VL13	Visa CPS Retail Tier 1 SignaturePref	VI CPSRtlCrTier1SignPref
VL14	Visa CPS Retail Tier 1 Infinite SpndNtQual	VI CPS RtlCrTier1InfSNQ
VL15	Visa CPS Retail Tier 1 Infinite SpndQual	VI CPSRtlCrTier1InfSQ
VL22	Visa CPS Retail Tier 2 Signature	VI CPS RtlCrTier2Sign
VL23	Visa CPS Retail Tier 2 SignaturePref	VI CPSRtlCrTier2SignPref
VL24	Visa CPS Retail Tier 2 Infinite SpndNtQual	VI CPSRtlCrTier2InfSNQ
VL25	Visa CPS Retail Tier 2 Infinite SpndQual	VI CPSRtlCrTier2InfSQ
VL32	Visa CPS Retail Tier 3 Signature	VI CPS RtlCrTier3Sign
VL33	Visa CPS Retail Tier 3 SignaturePref	VI CPSRtlCrTier3SignPref
VL34	Visa CPS Retail Tier 3 Infinite SpndNtQual	VI CPSRtlCrTier3InfSNQ
VL35	Visa CPS Retail Tier 3 Infinite SpndQual	VI CPSRtlCrTier3InfSQ
VPRM	Visa Interregional Premium Card - CA	Visa Interregional Premium Card - CA
VRBP	Visa CPS Tele/Cable Trad Rewards Sign	Visa CPS Tele/CableTradRwSign
VST4	Visa Supermarket Tier 0 Traditional/Traditional Rewards	VI Supermkt Tier0-Trad/Rewards
VST5	Visa Supermarket Tier 0 Signature/Infinite SNQ	VI Sprmkt Tier0-Sig/SigPre
VST6	Visa Supermarket Tier 1 Traditional/Traditional Rewards	VI Supermkt Tier1-Trad/Rewards
VST7	Visa Supermarket Tier 1 Signature/Infinite Spnd Not Qual	VI Supermkt Tier1-Sig/Inf SNQ
VST8	Visa Supermarket Tier 1 - Signature Pref/Infinite Spnd Qual	VI Supermkt Tier1-SigPre/InfSQ
VSTI	Visa Supermarket Tier 0 Signature Pref/Infinite SQ	VI Sprmkt Tier0InfSNQ
VSTK	Visa CPS Supermarket Signature	VI CPS SupermarketSig
VSTQ	Visa CPS Supermarket Infinite Spend Not Qualified	VI CPS SupermarketInfSpdNQ
VUBR	VISA Business Utility Recurring Bill Payment Debit/Prepaid	VI BusRecurrBillPmtDebitPrepd
VUDP	Visa Utility Business Debit and Prepaid	VI Utility BusDebitandPrepaid
VUTD	VISA Utility debit	VISA Utility Debit
VUTR	VISA Utility Recurring Bill Payment Debit/Prepaid	VI UtilRecurrBillPmtDebitPrepd
VY6X	Visa VPP Reg CP Debit PP MCC All except 5814 MAX - IPS	VIVPPRegCPDebitP MCCAllX5814MAXIPS
VY7X	Visa VPP Reg CNP Debit PP MCC All except 5814 MAX- IPS	VIVPPRegCNPDebitPPMCCAllX5814MAXIPS
VYI3	Visa VPP Non-Reg CNP Debit PP MCC All except 5814 - IPS	VIVPPNonRegCNPDebitPPMCCAllX5814IPS
VYI6	Visa VPP Reg CP Debit PP MCC All except 5814 - IPS	VIVPPRegCPDebitPPMCCAllX5814IPS
VYI7	Visa VPP Reg CNP Debit PP MCC All except 5814 - IPS	VIVPPRegCNPDebitPPMCCAllX5814IPS
VYIE	Visa VPP Cons Rew Sig Inf CNP MCC All Except 5814 - IPS	VIVPPConsRewSigInfCNPMCCAllX5814IPS

Europe Rate Codes

Rate Code	Long Fee Name	Short Fee Name
M1A0	MC EU Domestic Consumer Credit Contactless	MCEUD Consumer CR Contactless
M1A2	MC DE Domestic Consumer Credit Chip	MCDE Consumer CR Chip
M1A3	MC EU Domestic Consumer Credit Enhanced Electronic	MCEUD Consumer CR Enh Electr
M1A4	MC EU Domestic Consumer Credit Merchant UCAF	MCEUD Consumer CR Merch UCAF
M1A5	MC EU Domestic Consumer Credit Full UCAF	MCEUD Consumer CR Full UCAF
M1A6	MC EU Domestic Consumer Credit Base	MCEUD Consumer CR Base
M1AA	MC EU Domestic Consumer Debit Contactless	MCEUD Consumer DB Contactless
M1AB	MC EU Domestic Consumer Debit Chip & Pin	MCEUD Consumer DB Chip & Pin
M1AD	MC EU Domestic Consumer Debit Enhanced Electronic	MCEUD Consumer DB Enh Electon
M1AE	MC EU Domestic Consumer Debit Merchant UCAF	MCEUD Consumer DB Merch UCAF
M1AF	MC EU Domestic Consumer Debit Full UCAF	MCEUD Consumer DB Full UCAF
M1AG	MC EU Domestic Consumer Debit Base	MCEUD Consumer DB Base
M1BI	MC EU Domestic Corporate Prepaid Enhanced Elect	MCEUD MC CorPpaid Enh Elec
M1CG	MC EU Domestic Business Premium Contactless	MCEUD BPremium Contactless
M1CH	MC EU Domestic Business Premium Chip & Pin	MCEUD BPremium Chip & Pin
M1CJ	MC EU Domestic Business Premium Enhanced Electronic	MCEUD BPremium Enhanced Elec
M1CK	MC EU Domestic Business Premium Base	MCEUD BPremium Base
M1FB	MC EU Domestic DMC Business Contactless	MCEUD DMCBusine Contactless
M1FC	MC EU Domestic DMC Business Chip & Pin	MCEUD DMCBusine Chip & Pin
M1FE	MC EU Domestic DMC Business Enhanced Electronic	MCEUD DMCBusine Enhanced Elec
M1FF	MC EU Domestic DMC Business Base	MCEUD DMCBusine Base
M1HR	Maestro Spain Commercial Debit Prepaid T1 Standard	Maestro ES Comm T1 Standard
M1HS	Maestro Spain Commercial Debit Prepaid T1 Retailers	Maestro ES Comm T1 Retailers
M1HT	Maestro Spain Commercial Debit Prepaid T1 RTE	Maestro ES Comm T1 RTE
M1HU	Maestro Spain Commercial Debit Prepaid T2 Standard	Maestro ES Comm T2 Standard
M1HV	Maestro Spain Commercial Debit Prepaid T2 Retailers	Maestro ES Comm T2 Retailers
M1HW	Maestro Spain Commercial Debit Prepaid T2 RTE	Maestro ES Comm T2 RTE
M1HX	Maestro Spain Commercial Debit Prepaid T3 Standard	Maestro ES Comm T3 Standard
M1HY	Maestro Spain Commercial Debit Prepaid T3 Retailers	Maestro ES Comm T3 Retailers
M1HZ	Maestro Spain Commercial Debit Prepaid T3 RTE	Maestro ES Comm T3 RTE
M1M0	Maestro EU Domestic Consumer Contactless	IMEUD Consumer CntLess
M1M1	Maestro EU Domestic Consumer Chip & Pin	IMEUD Consumer Chip & Pin
M1M2	Maestro EU Domestic Consumer Secure e & m Commerce	IMEUD Consumer Secure eCOM
M1M3	Maestro EU Domestic Consumer MOTO	IMEUD Consumer MOTO
M1M4	Maestro EU Domestic Consumer Base	IMEUD Consumer Base
M1M9	Maestro Luxembourg Consumer Low Value Payments	IM LUX Consumer Low Value
M1MU	MC EU Domestic Corporate Prepaid Incentive Chip and Pin	MCEUD MC CorPpaid Inc Chip Pin
M1MW	MC EU Domestic Corporate Prepaid Incentive Enhanced Elect	MCEUD MC CorPpaid Inc Enh Elec
M1MX	MC EU Domestic Corporate Prepaid Incentiv Base	MCEUD MC CorpoPpaid Inc Base
M1T5	MC Spain Consumer Credit Low Value Payments Card Present	MCES Consumer CR LVP CP
M1T6	MC Spain Consumer Credit Low Value Payments Card Not Present	MCES Consumer CR LVP CNP
M1T7	MC Spain Consumer Credit Base	MCES Consumer CR Base
M1UH	MC DE Consumer Debit Chip	MC DE Consumer DB Chip
M1UI	MC DE Consumer Debit Enhanced Electronic	MC DE Consumer DB Enh Electro
M1UK	MC Spain Consumer Debit Base Max	MC ES Consumer DBPP Base Max
M1UL	MC Spain Consumer Debit Low Value Card Present	MC ES Consumer DBPP LVP CP
M1UM	MC Spain Consumer Debit Low Value Card Not Present	MC ES Consumer DBPP LVP CNP
M1UN	MC Spain Consumer Debit Base	MC ES Consumer DBPP Base
M1UO	Mastercard Installments Program	MC Installment Pgm
M1WA	IM Spain Consumer Debit Base Max	IM ES Consumer DB Base Max
M1WB	IM Spain Consumer Debit Low Value Card Present	IM ES Consumer DB LVP CP
M1WC	IM Spain Consumer Debit Low Value Card Not Present	IM ES Consumer DB LVP CNP
M1WD	IM Spain Consumer Debit Base	IM ES Consumer DB Base
M1X0	MC Spain Commercial Credit T2 RTE	MC ES Comm CR T2 RTE
M1X1	MC Spain Commercial Debit Prepaid T2 Standard	MC ES Comm DBPP T2 Standard
M1X2	MC Spain Commercial Debit Prepaid T2 Retailers	MC ES Comm DBPP T2 Retailers
M1X3	MC Spain Commercial Debit Prepaid T2 RTE	MC ES Comm DBPP T2 RTE
M1X4	MC Spain Commercial Credit T3 Standard	MC ES Comm CR T3 Standard
M1X5	MC Spain Commercial Credit T3 Retailers	MC ES Comm CR T3 Retailers
M1X6	MC Spain Commercial Credit T3 RTE	MC ES Comm CR T3 RTE
M1X7	MC Spain Commercial Debit Prepaid T3 Standard	MC ES Comm DBPP T3 Standard
M1X8	MC Spain Commercial Debit Prepaid T3 Retailers	MC ES Comm DBPP T3 Retailers
M1X9	MC Spain Commercial Debit Prepaid T3 RTE	MC ES Comm DBPP T3 RTE
M1XX	MC DE Commercial Cards Contactless	MCDE Commercial Contactless
M1XY	MC DE Commercial Cards Chip	MCDE Commercial Chip
M1XZ	MC DE Commercial Cards Base	MCDE Commercial Base
M1Y0	Debit MC DE Commercial Cards Contactless	DMCDE Commercial Contactless
M1Y1	Debit MC DE Commercial Cards Secured	DMCDE Commercial Secured
M1Y2	Debit MC DE Commercial Cards Electronic	DMCDE Commercial Electronic
M1Y3	Debit MC DE Commercial Cards Base	DMCDE Commercial Base
M1Y4	MC DE Commercial Cards Contactless Touristic	MCDE Commercial Ctless Tourist
M1Y5	MC DE Commercial Cards Chip Touristic	MCDE Commercial Chip Tourist
M1Y6	MC DE Commercial Cards Base Touristic	MCDE Commercial Base Tourist
M1Y7	Debit MC DE Commercial Cards Contactless Touristic	DMCDE Commercial Ctles Tourist
M1Y8	Debit MC DE Commercial Cards Secured Touristic	DMCDE Commercial Secur Tourist
M1Y9	Debit MC DE Commercial Cards Electronic Touristic	DMCDE Commercial Elec Tourist
M1YA	Debit MC DE Commercial Cards Base Touristic	DMCDE Commercial Base Tourist
M1YB	MC DE Commercial Cards Contactless SuperMarket	MCDE Commercial Ctless Super
M1YC	MC DE Commercial Cards Chip SuperMarket	MCDE Commercial Chip Super
M1YD	MC DE Commercial Cards Base SuperMarket	MCDE Commercial Base Super
M1YE	Debit MC DE Commercial Cards Contactless SuperMarket	DMCDE Commercial Ctles Super
M1YF	Debit MC DE Commercial Cards Secured SuperMarket	DMCDE Commercial Secur Super
M1YG	Debit MC DE Commercial Cards Electronic SuperMarket	DMCDE Commercial Elec Super
M1YH	Debit MC DE Commercial Cards Base SuperMarket	DMCDE Commercial Base Super
M1YI	MC DE Commercial Cards Contactless Households	MCDE Commercial Ctless House
M1YJ	MC DE Commercial Cards Chip Households	MCDE Commercial Chip House
M1YK	MC DE Commercial Cards Base Households	MCDE Commercial Base House
M1YL	Debit MC DE Commercial Cards Contactless Households	DMCDE Commercial Ctles House
M1YM	Debit MC DE Commercial Cards Secured Households	DMCDE Commercial Secur House
M1YN	Debit MC DE Commercial Cards Electronic Households	DMCDE Commercial Elec House
M1YO	Debit MC DE Commercial Cards Base Households	DMCDE Commercial Base House
M1YQ	Mastercard Commercial Payments Account STD MCC Lower 3000	MC CommPayAcc STD Lower 3000
M1YR	Mastercard Commercial Payments Account STD MCC Greater 3000	MC CommPayAcc STD Greater 3000
M1YS	MC Spain Commercial Credit T1 Standard	MC ES Comm CR T1 Standard
M1YT	MC Spain Commercial Credit T1 Retailers	MC ES Comm CR T1 Retailers
M1YU	MC Spain Commercial Credit T1 RTE	MC ES Comm CR T1 RTE
M1YV	MC Spain Commercial Debit Prepaid T1 Standard	MC ES Comm DBPP T1 Standard
M1YW	MC Spain Commercial Debit Prepaid T1 Retailers	MC ES Comm DBPP T1 Retailers
M1YX	MC Spain Commercial Debit Prepaid T1 RTE	MC ES Comm DBPP T1 RTE
M1YY	MC Spain Commercial Credit T2 Standard	MC ES Comm CR T2 Standard
M1YZ	MC Spain Commercial Credit T2 Retailers	MC ES Comm CR T2 Retailers
MBTA	MC B2B Product 7 - MTA	MC B2B Prod7 MTA
MBTB	MC B2B Product 8 - MTB	MC B2B Prod8 MTB
MBTC	MC B2B Product 9 - MTC	MC B2B Prod9 MTC
MBTD	MC B2B Product 10 - MTD	MC B2B Prod10 MTD
MBTE	MC B2B Product 11 - MTE	MC B2B Prod11 MTE
MBTF	MC B2B Product 12 - MTF	MC B2B Prod12 MTF
MBTG	MC B2B Product 13 - MTG	MC B2B Prod13 MTG
MBTH	MC B2B Product 14 - MTH	MC B2B Prod14 MTH
MBTI	MC B2B Product 15 - MTI	MC B2B Prod15 MTI
MBTJ	MC B2B Product 16 - MTJ	MC B2B Prod16 MTJ
MBTK	MC B2B Product 17 - MTK	MC B2B Prod17 MTK
MBTL	MC B2B Product 18 - MTL	MC B2B Prod18 MTL
MBTM	MC B2B Product 19 - MTM	MC B2B Prod19 MTM
MBTN	MC B2B Product 20 - MTN	MC B2B Prod20 MTN
MBTO	MC B2B Product 21 – MTO	MC B2B Prod21 MTO
MBTQ	MC B2B Product 22 - MTQ	MC B2B Prod22 MTQ
MBTR	MC B2B Product 23 - MTR	MC B2B Prod23 MTR
MBTS	MC B2B Product 24 - MTS	MC B2B Prod24 MTS
MBTT	MC B2B Product 25 - MTT	MC B2B Prod25 MTT
MBTU	MC B2B Product 26 - MTU	MC B2B Prod26 MTU
MBTV	MC B2B Product 27 - MTV	MC B2B Prod27 MTV
MFH2	EEA Card Present Debit Restricted Rates	IM IntraReg EEA Restric CP DB
MFH4	EEA Card Not Present Debit Restricted Rates	IM IntraReg EEA Restric CNP DB
MHAV	MC Interregional Consumer Rate 1 Digital Commerce - Core	MC InterConsRate1 DigiCommCore
MHAW	MC Interregional Consumer Rate 1 Digital Commerce - Premium	MC InterConsRate1 DigiCommPrem
MHAX	MC Interregional Consumer Rate 1 Digital Commerce - Super Premium	MCInterConsRate1DigCommSupPrem
MHAY	MC Interregional Consumer Rate 2 Card Present - Core	MC Inter Cons Rate 2 CP Core
MHAZ	MC Interregional Consumer Rate 2 Card Present - Super	MC Inter Cons Rate2 CP Super
MHB1	MC Interregional Consumer Rate 2 Card Present - Super Premium	MC Inter ConsRate2 CPSuperPrem
MHB2	MC Interregional Consumer Rate 3 Base - Core	MC Inter Cons Rate 3 Base Core
MHB3	MC Interregional Consumer Rate 3 Base - Premium	MC Inter Cons Rate 3 Base Prem
MHB4	MC Interregional Consumer Rate 2 Card Present Super Premium	MC Inter ConsRate3Base SupPrem
MXAA	EEA Card Present Credit Restricted Rates	MC IntraReg EEA Restric CP CR
MXAB	EEA Card Present Debit Restricted Rates	MC IntraReg EEA Restric CP DB
MXAC	EEA Card Not Present Credit Restricted Rates	MC IntraReg EEA Restric CNP CR
MXAD	EEA Card Not Present Debit Restricted Rates	MC IntraReg EEA Restric CNP DB
V109	VI EU Domestic CR Low Value	VI EU Domestic CR Low Value
V110	VI EU Domestic CR High Value	VI EU Domestic CR High Value
V133	VI DE Commercial Transportation	VI DE Commercial Transport
V134	VIEU Intra-EEA Business E-Comm PP Plat & Infin MIN	VIEU Intra-EEA Business E-Comm PP Plat & Infin MIN
V135	VIEU Intra-EEA Business Standard PP Plat & Infin MIN	VI Intra P BusStd Infiplat MIN
V136	VIEU Domestic Business E-Comm PP Plat & Infin MIN	VI Dom P BusEcom Infipla MIN
V137	VIEU Domestic Business Standard PP Plat & Infin MIN	VI Dom P BusStd Infiplat MIN
V138	VI EU Domestic DP Low Value	VI EU Domestic DP Low Value
V139	VI EU Domestic DP High Value	VI EU Domestic DP High Value
V140	VI ES Domestic DP HV Cap	VI ES Domestic DP HV Cap
V159	VI IT Small Market Expenses Low Value	VI IT Small Market Expenses LV
V160	VI DE Commercial Supermarket	VI DE Commercial Supermarket
V162	VI DE Commercial Travel Agency	VI DE Commercial Travel Agency
V1A0	VI EU Domestic CR Secure-EMV Contactless	VIEUD CR Secure-EMV Contless
V1A1	VI EU Domestic CR Secure-EMV Online Magstripe	VIEUD CR Secure-EMV On Magst
V1A2	VI EU Domestic CR Secure-EMV Online Chip	VIEUD CR Secure-EMV On Chip
V1A3	VI EU Domestic CR Secure-EMV Offline Chip	VIEUD CR Secure-EMV Off Chip
V1A4	VI EU Domestic CR Secure Electronic Commerce	VIEUD CR Secure-EMV Elec Comm
V1A5	VI EU Domestic CR Non-Secure Standard	VIEUD CR Secure-EMV NonSec Std
V1AD	VI EU Domestic DP Secure-EMV Contactless	VIEUD DB Secure-EMV Contless
V1AE	VI EU Domestic DP Secure-EMV Online Magstripe	VIEUD DB Secure-EMV On Magst
V1AF	VI EU Domestic DP Secure-EMV Online Chip	VIEUD DB Secure-EMV On Chip
V1AG	VI EU Domestic DP Secure-EMV Offline Chip	VIEUD DB Secure-EMV Off Chip
V1AH	VI EU Domestic DP Secure Electronic Commerce	VIEUD DB Secure-EMV Elec Comm
V1AI	VI EU Domestic DP Non-Secure Standard	VIEUD DB Secure-EMV NonSec Std
V1AJ	VI EU Domestic VPAY Standard	VIEUD VPAY Standard
V1AV	VI EU Domestic CR Business Standard	VIEUD CR Business Standard
V1AW	VI EU Domestic CR Business EMV Contactless	VIEUD CR Business Contactless
V1AX	VI EU Domestic CR Business EMV Online Magstripe	VIEUD CR Business Online Mags
V1AY	VI EU Domestic CR Business EMV Online Chip	VIEUD CR Business Online Chip
V1AZ	VI EU Domestic CR Business EMV Offline Chip	VIEUD CR Business Offline Chip
V1B0	VI EU Domestic CR Business Electronic Commerce	VIEUD CR Business Elec Comm
V1B3	VI EU Domestic CR Business Small Market	VIEUD CR Business Small Market
V1B4	VI EU Domestic D Business EMV Contactless	VIEUD D Business Contactless
V1B5	VI EU Domestic D Business EMV Online Magstripe	VIEUD D Business Online Mags
V1B6	VI EU Domestic D Business EMV Online Chip	VIEUD D Business Online Chip
V1B7	VI EU Domestic D Business EMV Offline Chip	VIEUD D Business Offline Chip
V1B8	VI EU Domestic D Business Electronic Commerce	VIEUD D Business Elec Commerce
V1B9	VI EU Domestic D Business Standard	VIEUD D Business Standard
V1BA	VI EU Domestic DP Business EMV Contactless	VIEU DP Business Contactless
V1BB	VI EU Domestic DP Business EMV Online Magstripe	VIEU DP Business Online Mags
V1BC	VI EU Domestic DP Business EMV Online Chip	VIEU DP Business Online Chip
V1BD	VI EU Domestic DP Business EMV Offline Chip	VIEU DP Business Offline Chip
V1BE	VI EU Domestic DP Business EMV Electronic Commerce	VIEU DP Bus Elec Commerce
V1BF	VI EU Domestic DP Business Standard	VIEUD DP Business Standard
V1BG	VI EU Domestic P Business EMV Contactless	VIEUD P Business Contactless
V1BH	VI EU Domestic P Business EMV Online Magstripe	VIEUD P Business Online Mags
V1BI	VI EU Domestic P Business EMV Online Chip	VIEUD P Business Online Chip
V1BJ	VI EU Domestic P Business EMV Offline Chip	VIEUD P Business Offline Chip
V1BK	VI EU Domestic P Business Electronic Commerce	VIEUD P Business Elec Commerce
V1BL	VI EU Domestic P Business Electronic Commerce Minimum	VIEUD P Bus Elec Commerce Min
V1BM	VI EU Domestic P Business Standard	VIEUD P Business Standard
V1BN	VI EU Domestic P Business Standard Minimum	VIEUD P Bus Standard Minimum
V1C5	VI EU Domestic CR Purchasing Card Not Present VGIS	VIEUD CR Pur CNP VGIS
V1C6	VI EU Domestic CR Purchasing Card Not Present LID	VIEUD CR Pur CNP LID
V1C7	VI EU Domestic CR Purchasing Card Not Present	VIEUD CR Pur CNP
V1C8	VI EU Domestic DP Business Card Not Present	VIEU DP Business CNP
V1C9	VI IT Large Market Expenses Low Value	VI IT Large Market Expenses LV
V1CA	VI EU Domestic CR Infinite Platinum EMV Contactless	VIEUD CR Infiplat Contactless
V1CB	VI EU Domestic CR Infinite Platinum EMV Online Magstripe	VIEUD CR Infiplat Online Mags
V1CC	VI EU Domestic CR Infinite Platinum EMV Online Chip	VIEUD CR Infiplat Online Chip
V1CD	VI EU Domestic CR Infinite Platinum EMV Offline Chip	VIEUD CR Infiplat Offline Chip
V1CE	VI EU Domestic CR Infinite Platinum Electronic Commerce	VIEUD CR InPlat Ele Commerce
V1CF	VI EU Domestic CR Infinite Platinum Standard	VIEUD CR InfiPlat Standard
V1CG	VI EU Domestic D Infinite Platinum EMV Contactless	VIEUD D Infiplat Contactless
V1CH	VI EU Domestic D Infinite Platinum EMV Online Magstripe	VIEUD D Infiplat Online Mags
V1CI	VI EU Domestic D Infinite Platinum EMV Online Chip	VIEUD D Infiplat Online Chip
V1CJ	VI EU Domestic D Infinite Platinum EMV Offline Chip	VIEUD D Infiplat Offline Chip
V1CK	VI EU Domestic D Infinite Platinum Electronic Commerce	VIEUD D InPlat Elec Commerce
V1CL	VI EU Domestic D Infinite Platinum Standard	VIEUD D InfiPlat Standard
V1CM	VI EU Domestic CR Corporate Standard	VIEUD CR Corporate Standard
V1CN	VI EU Domestic CR Corporate EMV Contactless	VIEUD CR Corp EMV Contactless
V1CP	VI EU Domestic CR Corporate EMV Online Magstripe	VIEUD CR Corp EMV Magstripe
V1CQ	VI EU Domestic CR Corporate EMV Online Chip	VIEUD CR Corp EMV Online Chip
V1CR	VI EU Domestic CR Corporate EMV Offline Chip	VIEUD CR Corp EMV Offline Chip
V1CS	VI EU Domestic CR Corporate Electronic Commerce	VIEUD CR Corp Electronic Com
V1CU	VI EU CR Corporate Large Market Enterprise	VI EU CR Corporate LME
V1CV	VI EU Domestic CR Business Card Not Present	VI EU CR Business CNP
V1CW	VI EU Domestic D Business Card Not Present	VI EU D Business CNP
V1CX	VI EU Domestic CR Infinite Platinum Card not Present	VI EU CR Infinite Platinum CNP
V1CY	VI EU Domestic D Infinite Platinum Card Not Present	VI EU D Infinite Platinum CNP
V1CZ	VI EU Domestic CR Corporate Card Not Present	VIEUD CR Corp Card Not Present
V1D0	VI EU Domestic CR Purchasing VGIS EMV Contactless	VIEUD CR Pur VGIS Contactless
V1D1	VI EU Domestic CR Purchasing VGIS EMV Online Magstripe	VIEUD CR Pur VGIS On Magstripe
V1D2	VI EU Domestic CR Purchasing VGIS EMV Online Chip	VIEUD CR Pur VGIS On Chip
V1D3	VI EU Domestic CR Purchasing VGIS EMV Offline Chip	VIEUD CR Pur VGIS Off Chip
V1D4	VI EU Domestic CR Purchasing VGIS Standard	VIEUD CR Pur VGIS Standard
V1D5	VI EU Domestic CR Purchasing Electronic Commerce VGIS	VIEUD CR Pur Elec Com VGIS
V1DA	VI EU Domestic CR Purchasing LID EMV Contactless	VIEUD CR Pur LID Contactless
V1DB	VI EU Domestic CR Purchasing LID EMV Online Magstripe	VIEUD CR Pur LID On Magstripe
V1DC	VI EU Domestic CR Purchasing LID EMV Online Chip	VIEUD CR Pur LID On Chip
V1DD	VI EU Domestic CR Purchasing LID EMV Offline Chip	VIEUD CR Pur LID Off Chip
V1DE	VI EU Domestic CR Purchasing LID Standard	VIEUD CR Pur LID Standard
V1DF	VI EU Domestic CR Purchasing Electronic Commerce LID	VIEUD CR Pur Elec Com LID
V1DH	VI EU Domestic P Business EMV Min	VIEUD P Business EMV Min
V1DJ	VI GB Domestic D Infinite Platinum EMV Online Magstripe	VIGBD D Infiplat Online Mags
V1DK	VI GB Domestic D Infinite Platinum EMV Online Chip	VIGBD D Infiplat Online Chip
V1DL	VI GB Domestic D Infinite Platinum EMV Offline Chip	VIGBD D Infiplat Offline Chip
V1DM	VI GB Domestic D Infinite Platinum Card Not Present	VI GB D Infinite Platinum CNP
V1DN	VI GB Domestic D Infinite Platinum Standard	VIGBD D InfiPlat Standard
V1DP	VI GB Domestic P Infinite Platinum EMV Contactless	VIGB P Infiplat Contactless
V1DQ	VI GB Domestic P Infinite Platinum EMV Online Magstripe	VIGB P Infiplat Online Mags
V1DR	VI GB Domestic P Infinite Platinum EMV Online Chip	VIGB P Infiplat Online Chip
V1DS	VI GB Domestic P Infinite Platinum EMV Offline Chip	VIGB P Infiplat Offline Chip
V1DT	VI GB Domestic P Infinite Platinum Card Not Present	VIGB P Infinite Platinum CNP
V1DU	VI GB Domestic P Infinite Platinum Standard	VIGBD P InfiPlat Standard
V1DV	VI GB Domestic D Infinite Platinum EMV Contactless	VIGBD D Infiplat Contactless
V1E0	VI EU Domestic CR Purchasing EMV Contactless	VIEUD CR Pur Contactless
V1E1	VI EU Domestic CR Purchasing EMV Online Magstripe	VIEUD CR Pur On Magstripe
V1E2	VI EU Domestic CR Purchasing EMV Online Chip	VIEUD CR Pur On Chip
V1E3	VI EU Domestic CR Purchasing EMV Offline Chip	VIEUD CR Pur Off Chip
V1E4	VI EU Domestic CR Purchasing Electronic Commerce	VIEUD CR Pur Elec Com
V1E6	VI EU Domestic CR Purchasing Standard	VIEUD CR Pur Standard
V1E7	VI EU Domestic Large Ticket 2	VIEUD Pur Large Ticket 2
V1E8	VI EU Domestic Large Ticket 1	VIEUD Pur Large Ticket 1
V1GA	VI GB Domestic CR Purchasing TAX EMV Contactless	VI GB CR Pur TAX Contactless
V1GB	VI GB Domestic CR Purchasing TAX EMV Online Magstripe	VI GB CR Pur TAX On Magstripe
V1GC	VI GB Domestic CR Purchasing TAX EMV Online Chip	VI GB CR Pur TAX On Chip
V1GD	VI GB Domestic CR Purchasing TAX EMV Offline Chip	VI GB CR Pur TAX Off Chip
V1GE	VI GB Domestic CR Purchasing TAX Card not Present	VI GB Card Not Present TAX
V1GF	VI GB Standard with TAX	VI GB Standard with TAX
V1GG	VI EU B2B Virtual Payments Card Fees Standard	VIEU B2B Virtual Payments STD
V1H0	VI GB Domestic CR Contactless	VIGB Domestic CR Contactless
V1H1	VI GB Domestic CR EMV On Magst	VIGB Domestic CR EMV On Magst
V1H2	VI GB Domestic CR EMV On Chip	VIGB Domestic CR EMV On Chip
V1H3	VI GB Domestic CR EMV Off Chip	VIGB Domestic CR EMV Off Chip
V1H4	VI GB Domestic CR Secure e-Commerce	VIGB Domestic CR Secure e-Comm
V1H5	VI GB Domestic CR CVV2-MOTO	VIGB Domestic CR CVV2-MOTO
V1H6	VI GB Domestic CR MOTO	VIGB Domestic CR MOTO
V1H7	VI GB Domestic CR Recurring	VIGB Domestic CR Recurring
V1H8	VI GB Domestic CR Refund Card Present	VIGB Domestic CR Refund CP
V1H9	VI GB Domestic CR Refund MOTO	VIGB Domestic CR Refund MOTO
V1HA	VI GB Domestic CR Refund e-Commerce	VIGB Domestic CR Refund e-Comm
V1HB	VI GB Domestic CR Non-Secure Standard	VIGB Domestic CR Standard
V1HC	VI GB Domestic Charity	VIGB Domestic Charity
V1HD	VI GB Domestic DP Contactless	VIGB Domestic DP Contactless
V1HE	VI GB Domestic DP EMV On Magst	VIGB Domestic DP EMV On Magst
V1HF	VI GB Domestic DP EMV On Chip	VIGB Domestic DP EMV On Chip
V1HG	VI GB Domestic DP EMV Off Chip	VIGB Domestic DP EMV Off Chip
V1HH	VI GB Domestic DP Secure e-Commerce	VIGB Domestic DP Secure e-Comm
V1HI	VI GB Domestic DP Low Value e-Commerce	VIGB Domestic DP LV e-Commerce
V1HJ	VI GB Domestic DP CVV2-MOTO	VIGB Domestic DP CVV2-MOTO
V1HK	VI GB Domestic DP MOTO	VIGB Domestic DP MOTO
V1HL	VI GB Domestic DP Recurring	VIGB Domestic DP Recurring
V1HM	VI GB Domestic DP Refund Card Present	VIGB Domestic DP Refund CP
V1HN	VI GB Domestic DP Refund MOTO	VIGB Domestic DP Refund MOTO
V1HP	VI GB Domestic DP Refund e-Commerce	VIGB Domestic DP Refund e-Comm
V1HQ	VI GB Domestic DP Non-Secure Standard	VIGB Domestic DP Standard
V5FH	Visa EU InterRegional Face-to-FaceElectronic-Debit & Prepaid	VI EU InterReg F2FElect Dbt PP
V5FJ	Visa EU InterRegional Card-Not-Present/Other-Debit & Prepaid	VI EU InterReg CNPOther Dbt PP
V5FL	Visa EU InterRegional CredVouch/Merch Return-Debit & Prepaid	VI EU IntrRegCrdVchMerRetDbtPP
V901	Visa Interregional Uncategorized	Visa Inter Uncategorized
V903	Visa Interregional Electronic	Visa Interregional Electronic
V905	Visa Interregional Business & Visa Signature Business Card	Visa Int'reg Bus & Sig Bus Crd
V906	Visa Interregional Corporate Card	Visa Interregional Corp Card
V907	Visa Interregional Purchasing & Distribution Card	Visa Int'reg Purch & Dist Card
V917	Visa Interregional Chip	Visa Interregional Chip
V918	Visa Interregional Electronic Commerce Merchant	VI Interrgnl Elect Comrc Mrcht
V919	Visa Interregional Secure Electronic Commerce	Vi Int'reg Secure Electrn Comm
V947	Visa Interregional Premium Card	Visa Interregional Prem Card
V948	Visa Interregional Super Premium Rate	Visa Interreg Super Prem Rate
V982	Visa Interregional Super Premium Card Not Present	Visa Inter Super Prem CNP
V983	Visa Interregional Super Premium Downgrade	Visa Inter Super Prem D'grade
V984	Visa Interregional Premium Card Not Present	Visa Inter Prem CNP
V985	Visa Interregional Premium Downgrade	Visa Inter Prem D'grade
V986	Visa Interregional Non-Premium Card Present	Visa Inter Non-Prem CP
V987	Visa Interregional Non-Premium Card Not Present	Visa Inter Non-Prem CNP
V988	Visa Interregional Non-Premium Downgrade	Visa Inter Non-Prem D'grade
V989	Visa Interregional Business Card Not Present	Visa Inter Business CNP
V990	Visa Interregional Business Downgrade	Visa Inter Business D'grade
V991	Visa Interregional Corporate Card Not Present	Visa Inter Corp CNP
V992	Visa Interregional Corporate Downgrade	Visa Inter Corp D'grade
V993	Visa Interregional Purchasing Card Not Present	Visa Inter Purch CNP
V994	Visa Interregional Purchasing Downgrade	Visa Inter Purch D'grade
V995	Visa Interregional Credit Voucher or Return Consumer	Visa Inter Refund Consumer
V996	Visa Interregional Credit Voucher or Return Commercial	Visa Inter Refund Commercial
VACE	Visa Acquirer Chip Fee Electronic	Visa Acquirer Chip Fee Electro
VACF	Visa Acquirer Chip Fee	Visa Acquirer Chip Fee
VCAE	Visa CA Interregional Acquirer Chip Fee Electron	VI CA Interreg AcqChipFeeElect
VCCF	Visa CA Interregional Acquirer Chip Fee	VI CA Interreg AcquirerChipFee
VCIC	Visa CA Interregional Issuer Chip Fee	VI CA Interreg Issuer Chip Fee
VCIE	Visa International Consumer Electronic	Visa Intl Consumer Elec
VCIS	Visa International Consumer Uncategorized	Visa Inter Consumer Uncategor
VEAY	Visa Europe Interregional Uncategorized Debit	Visa EU Inter Uncategorized DB
VEB4	Visa Europe Interregional AUTHENTICTD SEC Debit	VI EU Interreg AUTHENTD SEC ID
VEB5	Visa Europe Interregional NONAUTHND MRCH Debit	VI EU Interreg NNATHND MRCH ID
VECN	Visa Electronic Commerce - Secure/NonAuthenticated	No Short Name in PS
VECS	Visa Electronic Commerce - Secure	No Short Name in Ps
VEDL	Visa Europe Interregional Uncategorized	Visa EU Inter Uncategorized
VEDR	Visa Europe Interregional AUTHENTICTD SEC	VI EU Interreg AUTHENTICTD SEC
VEDS	Visa Europe Interregional NONAUTHND MRCH	VI EU Interreg NONAUTHND MRCH
VEF2	Visa Europe Intra-EEA Ecomm BUS Prepaid	VI EU IntraEEA eCommBUSPrepaid
VEFP	Visa EU Intra-EEA Business eCommerce Debit - Group A	VI EU IntraEEA BUS EA Dbt GrpA
VEGF	Visa Europe Interregional CHIP FULL PIN	VI EU Interreg CHIP FULL PIN
VEGG	Visa Europe Interregional CHIP FULL	VI EU Interregional CHIP FULL
VEGH	Visa Europe Interregional CHIP TERMINAL	VI EU Interreg CHIP TERMINAL
VEHC	Visa Europe Interregional CHIP FULL PIN Debit	VI EU Intereg CHIP FULL PIN ID
VEHE	Visa Europe Interregional CHIP FULL Debit	VI EU Interreg CHIP FULL ID
VEHF	Visa Europe Interregional CHIP TERMINAL Debit	VI EU Intereg CHIP TERMINAL ID
VENS	Visa Interregional Ecom - Non Secure & Non Auth	Visa Inter Ecom Uncategorized
VEO2	Switzerland/Liechtenstein Visa Debit CHF 20 - 50	CHE Visa Debit CHF 20 - 50
VEO3	Switzerland/Liechtenstein Visa Debit < CHF 50 - CHF 100	CHE Visa Debit < CHF50-CHF100
VEO4	Switzerland/Liechtenstein Visa Debit > CHF 100	CHE Visa Debit > CHF 100
VFP2	VISA Flexible Credential Consumer AP - Base	VIFlexCredConsBaseAP
VFP3	VISA Flexible Credential Consumer AP - Alternative	VIFlexCredConsAltAP
VFP4	VISA Flexible Credential Consumer AP - Standard	VIFlexCredConsStdAP
VIAA	Visa Interregional Airline Acquirer Chip	VI Interreg Air Acquirer Chip
VPRM	Visa Interregional Premium Card - CA	Visa Interregional Premium Card - CA
VSMT	Visa CPS Supermarket Retail SigPreferred	VI CPS SpmktRetail SigPref
VV08	Visa Europe Intra-EEA Business Platinum eCommerce	VI EU IntraEEA BUS Plat eComm
VV11	Visa Europe Intra-EEA Business Infinite eCommerce	VI EU IntraEEA BUS Inf eComm
VV21	Visa EU Intra-EEA BUS eCommerce Dbt - Charity - Group B	VIEUIntraEEABUSeComDbChrtyGrpB
VV27	Visa EU Intra-EEA BUS eComm Debit - Money Services - Group B	VIEUIntrEEABUSeComDbMnySrvsGpB
VV33	Visa EU Intra-EEA BUS Platinum Debit eCom - Group A	VI EUIntEEABUSPlatDbteCom GrpA
VV34	Visa EU Intra-EEA BUS Infinite Debit eCom - Group A	VI EU IntEEABUSInfDbteCom GrpA
VV39	Visa EU Intra-EEA BUS Platinum Debit eCom - Group B	VI EUIntEEABUSPlatDbteCom GrpB
VV40	Visa EU Intra-EEA BUS Infinite Debit eCom - Group B	VI EU IntEEABUSInfDbteCom GrpB
VV49	Visa EU Intra-EEA BUS Plat & Infin eComm Dbt - Charity (B)	VIEUIntEEABSPlInfeComDbChtyGpB
VV55	Visa EU Intra-EEA BUS Plat & Infin eComm Dbt Money Serv (B)	VIEUInEEABSPlInfeComDbMnSrvGpB
VVAA	Visa Europe Intra-EEA BUS eCommerce	VI EU Intra-EEA BUS ECOMM
VVAB	Visa Europe Intra-EEA CORP / PUR eCommerce	VI EU Intra-EEA CORP PUR ECOM
VVAP	Visa EU Intra-EEA Business eCommerce Debit - Group B	VI EU IntraEEA BUSeComDbt GrpB
VVAR	France Domestic Visa Business Ecommerce Debit	France Dom VI Bus Debit Ecom

Canada Rate Codes

Rate Code	English Long Fee Name	English Short Fee Name	Nom des frais longs	Nom des frais courts
MHAV	MCInterregional Consumer Rate 1 Digital Commerce - Core	InterConsRate1DigiCommCore	Tarif Consommateur Interrégional 1 Cybercommerce MC - Base	TarConsInter1CybcomBase
MHAW	MCInterregional Consumer Rate 1 Digital Commerce - Premium	InterConsRate1DigiCommPrem	Tarif Consommateur Interrégional 1 Cybercommerce MC - Prime	TarConsInter1CybcomPrim
MHAX	MC Interreg Consumer Rate 1 Digital Commerce - Super Premium	InterConsRate1DigCommSP	Tarif Consommateur Interrégional 1 Cybercommerce MC - Super prime	TarConsInter1CybcomSP
MHAY	MCInterregional Consumer Rate 2 Card Present - Core	InterConsRate2CPCore	Tarif Consommateur Interrégional 2 Carte Présente MC - Base	TarConsInter2CPBase
MHAZ	MCInterregional Consumer Rate 2 Card Present - Super	InterConsRate2CPSuper	Tarif Consommateur Interrégional 2 Carte Présente MC - Prime	TarConsInter2CPPrime
MHB1	MCInterregional Consumer Rate 2 Card Present - Super Premium	InterConsRate2CPSuperPrem	Tarif Consommateur Interrégional 2 Carte Présente MC - Super prime	TarConsInter2CPSuperPrim
MHB2	MCInterregional Consumer Rate 3 Base - Core	InterConsRate3BaseCore	Tarif Consommateur Interrégional 3 Base MC - Base	TarConsInter3BaseBase
MHB3	MCInterregional Consumer Rate 3 Base - Premium	InterConsate3Base Prem	Tarif Consommateur Interrégional 3 Base MC - Prime	TarConsInter3BasePrime
MHB4	MC Interregional Consumer Rate 3 Card Present Super Premium	InterConsRate3BaseSupPrem	Tarif Consommateur Interrégional 3 Carte Présente MC Super prime	TarConsInter3BaseSupPrim
ACDB	AX Canada Foreign-Issued Debit (All Industries)	AXCANFgnIssuedDB-AI	Débit en devises étrangères AX Canada (Toutes les industries)	DBDevEtrAXCAN-TI
VC59	Visa Canada Consumer Performance Token Card Not Present - Canada	CanConsPerfTknCNP-CAD	Jeton de performance consommateur Visa Canada Carte non présente - Canada	JetonPerfConsCanCNP-CAD
VC60	Visa Canada Consumer Performance Token Card Not Present - International	CanConsPerfTknC-INT	Jeton de performance consommateur Visa Canada Carte non présente - International	JetonPerfConsCanCNP-INT
VC57	Visa Canada Consumer Performance Infinite Token Card Not Present - Canada	CanConsPITknCNP-CAD	Jeton Infinite de performance consommateur Visa Canada Carte non présente - Canada	JetonPIConsCanCNP-CAD
VC58	Visa Canada Consumer Performance Infinite Token Card Not Present - International	CanConsPITknCNP-INT	Jeton Infinite de performance consommateur Visa Canada Carte non présente - International	JetonPIConsCanCNP-INT
VFE3	Visa Canada Consumer Performance Infinite Privilege Token Card Not Present - Canada	CanConsPIPTKCNP-CAD	Jeton Infinite Privilege de performance consommateur Visa Canada Carte non présente - Canada	JETONPIPConsCanCNP-CAD
VFE4	Vi Canada Consumer Performance Infinite Privilege Token Card Not Present -International	CanConsPIPTKCNP-INT	Jeton Infinite Privilege de performance consommateur Vi Canada Carte non présente - International	JETONPIPConsCanCNP-INT
VC55	Visa Canada Consumer Token Card Not Present - Canada	CanConsTokenCNP -CAD	Jeton consommateur Visa Canada Carte non présente - Canada	JetonConsCanCNP-CAD
VC56	Visa Canada Consumer Token Card Not Present - International	CanConsTokenCNP- INT	Jeton consommateur Visa Canada Carte non présente - International	JetonConsCanCNP-INT
VFE1	Visa Canada Consumer Infinite Token Card Not Present - Canada	CanConsInfTknCNP-CAD	Jeton Infinite consommateur Visa Canada Carte non présente - Canada	JetonInfConsCanCNP-CAD
VFE2	Visa Canada Consumer Infinite Token Cared Not Prsent- International	CanConsInfTknCNP-INT	Jeton Infinite consommateur Visa Canada Carte non présente - International	JetonInfConsCanCNP-INT
VFD9	Visa Canada Consumer Infinite Privilege Token Card Not Present - Canada	CanConsInfPTCNP-CAD	Jeton Infinite Privilege consommateur Visa Canada Carte non présente - Canada	JetonInfPConsCanCNP-CAD
VFD0	Visa Canada Consumer Infinite Privilege Token Card Not Present - International	CanConsInfPTCNP-INT	Jeton Infinite Privilege consommateur Visa Canada Carte non présente - International	JetonInfPConsCanCNP-INT
VB37	Visa Canada Consumer Token Recurring Payment - Canada	CanConsTknRCP-CAD	Jeton consommateur Visa Canada Paiement récurrent - Canada	JetonConsCanPRC-CAD
VB38	Visa Canada Consumer Token Recurring Payment - International	CanConsTknRCP-INT	Jeton consommateur Visa Canada Paiement récurrent - International	JetonConsCanPRC-INT
VFD7	Visa Canada Consumer Infinite Token Recurring Payment - Canada	CanConsInfTknRCP-CAD	Jeton Infinite consommateur Visa Canada Paiement récurrent - Canada	JetonInfConsCanPRC-CAD
VFD8	Visa Canada Consumer Infinite Token Recurring Payment - International	CanConsInfTknRCP-INT	Jeton Infinite consommateur Visa Canada Paiement récurrent - International	JetonInfConsCanPRC-INT
VFD5	Vi Canada Consumer Infinite Privilege Token Recurring Payment - Canada	CanConsInfPrvlgTknRCP-CAD	Jeton Infinite Privilege consommateur Vi Canada Paiement récurrent - Canada	JetonIPConsCanPRC-CAD
VFD6	Visa CA Consumer Infinite Privilege Token Recurring Payment -International	CanConsInfPvlgTknRCP-INT	Jeton Infinite Privilege consommateur Visa CA Paiement récurrent - International	JetonIPConsCanPRC-INT
ACUF	Canada USD Settlement Foreign Issued Debit	CAN USD Settlement Foreign Issued Debit	Débit émis à l’étranger pour règlement en USD au Canada	Déb Ém Étr Règlt USD CAN
ACUS	Canada USD Settlement for Credit	CAN USD Settlement Credit	Règlement en USD au Canada pour crédit	Réglt USD CAN Crédit
VS24	VISA Canada Corporate & Purchasing Large Ticket Tier 1- NATL	VICANCorpPurchLgeTktTier1Natl	VISA Canada Entreprise et Achat d’articles de grande valeur de Palier 1- NATL	VICANEntrAchArtGValP1Ntl
VS25	VISA Canada Corporate & Purchasing Large Ticket Tier 1- INT	VICANCorpPurchLgeTktTier1Int	VISA Canada Entreprise et Achat d’articles de grande valeur de Palier 1- INT	VICANEntrAchArtGValP1Int
VS26	VISA Canada Corporate & Purchasing Large Ticket Tier 2- NATL	VICANCorpPurchLgeTktTier2 Natl	VISA Canada Entreprise et Achat d’articles de grande valeur de Palier 2- NATL	VICANEntrAchArtGValP2Ntl
VS27	VISA Canada Corporate & Purchasing Large Ticket Tier 2 - INT	VICANCorpPurchLgeTktTier2Int	VISA Canada Entreprise et Achat d’articles de grande valeur de Palier 2- INT	VICANEntrAchArtGValP2Int
VA8A	Visa Global B2B Virtual Payments-Program 8	VI Global B2BVirPymntsProg8	Paiements virtuels interentreprises mondiaux Visa - Programme 8	PmtsVirIntentrMdVIPrg8
VA9A	Visa Global B2B Virtual Payments-Program 9	VI Global B2BVirPymntsProg9	Paiements virtuels interentreprises mondiaux Visa - Programme 9	PmtsVirIntentrMdVIPrg9
VB1A	Visa Global B2B Virtual Payments-Program 10	VI Global B2BVirPymntsProg10	Paiements virtuels interentreprises mondiaux Visa - Programme 10	PmtsVirIntentrMdVIPrg10
VB2A	Visa Global B2B Virtual Payments-Program 11	VI Global B2BVirPymntsProg11	Paiements virtuels interentreprises mondiaux Visa - Programme 11	PmtsVirIntentrMdVIPrg11
VB3A	Visa Global B2B Virtual Payments-Program 12	VI Global B2BVirPymntsProg12	Paiements virtuels interentreprises mondiaux Visa - Programme 12	PmtsVirIntentrMdVIPrg12
VB4A	Visa Global B2B Virtual Payments-Program 13	VI Global B2BVirPymntsProg13	Paiements virtuels interentreprises mondiaux Visa - Programme 13	PmtsVirIntentrMdVIPrg13
VB5A	Visa Global B2B Virtual Payments-Program 14	VI Global B2BVirPymntsProg14	Paiements virtuels interentreprises mondiaux Visa - Programme 14	PmtsVirIntentrMdVIPrg14
VB6A	Visa Global B2B Virtual Payments-Program 15	VI Global B2BVirPymntsProg15	Paiements virtuels interentreprises mondiaux Visa - Programme 15	PmtsVirIntentrMdVIPrg15
VB7A	Visa Global B2B Virtual Payments-Program 16	VI Global B2BVirPymntsProg16	Paiements virtuels interentreprises mondiaux Visa - Programme 16	PmtsVirIntentrMdVIPrg16
VB8A	Visa Global B2B Virtual Payments-Program 17	VI Global B2BVirPymntsProg17	Paiements virtuels interentreprises mondiaux Visa - Programme 17	PmtsVirIntentrMdVIPrg17
VB9A	Visa Global B2B Virtual Payments-Program 18	VI Global B2BVirPymntsProg18	Paiements virtuels interentreprises mondiaux Visa - Programme 18	PmtsVirIntentrMdVIPrg18
VC1V	Visa Global B2B Virtual Payments-Program 19	VI Global B2BVirPymntsProg19	Paiements virtuels interentreprises mondiaux Visa - Programme 19	PmtsVirIntentrMdVIPrg19
VC2V	Visa Global B2B Virtual Payments-Program 20	VI Global B2BVirPymntsProg20	Paiements virtuels interentreprises mondiaux Visa - Programme 20	PmtsVirIntentrMdVIPrg20
VC3V	Visa Global B2B Virtual Payments-Program 21	VI Global B2BVirPymntsProg21	Paiements virtuels interentreprises mondiaux Visa - Programme 21	PmtsVirIntentrMdVIPrg21
ACE1	AX Canada Emerging Market	AX Canada EM	Marchés émergents AX Canada	ME AX Canada
ACF1	AX Canada Residential Rent	AX Canada RR	Loyer résidentiel AX Canada	LR AX Canada
ACU1	AX Canada Utilities - Tier 1	AX Canada Healthcare - Tier 1	Services publics AX Canada - Palier 1	Santé AX Canada - Pal 1
ACU2	AX Canada Utilities - Tier 2	AX Canada Healthcare - Tier 2	Services publics AX Canada - Palier 2	Santé AX Canada - Pal 2
VA1F	Visa Flexible Rate B2B Virtual Payments-Program 1	VIFlexRateB2BVirPymntsProg1	Paiements virtuels interentreprises à taux flexibles Visa - Programme 1	PmtsVirIntentrTxFlVIPg1
VA2F	Visa Flexible Rate B2B Virtual Payments-Program 2	VIFlexRateB2BVirPymntsProg2	Paiements virtuels interentreprises à taux flexibles Visa - Programme 2	PmtsVirIntentrTxFlVIPg2
VA3F	Visa Flexible Rate B2B Virtual Payments-Program 3	VIFlexRateB2BVirPymntsProg3	Paiements virtuels interentreprises à taux flexibles Visa - Programme 3	PmtsVirIntentrTxFlVIPg3
VA4F	Visa Flexible Rate B2B Virtual Payments-Program 4	VIFlexRateB2BVirPymntsProg4	Paiements virtuels interentreprises à taux flexibles Visa - Programme 4	PmtsVirIntentrTxFlVIPg4
VA5F	Visa Flexible Rate B2B Virtual Payments-Program 5	VIFlexRateB2BVirPymntsProg5	Paiements virtuels interentreprises à taux flexibles Visa - Programme 5	PmtsVirIntentrTxFlVIPg5
VA6F	Visa Flexible Rate B2B Virtual Payments-Program 6	VIFlexRateB2BVirPymntsProg6	Paiements virtuels interentreprises à taux flexibles Visa - Programme 6	PmtsVirIntentrTxFlVIPg6
VA7F	Visa Flexible Rate B2B Virtual Payments-Program 7	VIFlexRateB2BVirPymntsProg7	Paiements virtuels interentreprises à taux flexibles Visa - Programme 7	PmtsVirIntentrTxFlVIPg7
VA8F	Visa Flexible Rate B2B Virtual Payments-Program 8	VIFlexRateB2BVirPymntsProg8	Paiements virtuels interentreprises à taux flexibles Visa - Programme 8	PmtsVirIntentrTxFlVIPg8
VA9F	Visa Flexible Rate B2B Virtual Payments-Program 9	VIFlexRateB2BVirPymntsProg9	Paiements virtuels interentreprises à taux flexibles Visa - Programme 9	PmtsVirIntentrTxFlVIPg9
VB1F	Visa Flexible Rate B2B Virtual Payments-Program 10	VIFlexRateB2BVirPymntsProg10	Paiements virtuels interentreprises à taux flexibles Visa - Programme 10	PmtsVirIntentrTxFlVIPg10
VB2F	Visa Flexible Rate B2B Virtual Payments-Program 11	VIFlexRateB2BVirPymntsProg11	Paiements virtuels interentreprises à taux flexibles Visa - Programme 11	PmtsVirIntentrTxFlVIPg11
VB3F	Visa Flexible Rate B2B Virtual Payments-Program 12	VIFlexRateB2BVirPymntsProg12	Paiements virtuels interentreprises à taux flexibles Visa - Programme 12	PmtsVirIntentrTxFlVIPg12
VB4F	Visa Flexible Rate B2B Virtual Payments-Program 13	VIFlexRateB2BVirPymntsProg13	Paiements virtuels interentreprises à taux flexibles Visa - Programme 13	PmtsVirIntentrTxFlVIPg13
VB5F	Visa Flexible Rate B2B Virtual Payments-Program 14	VIFlexRateB2BVirPymntsProg14	Paiements virtuels interentreprises à taux flexibles Visa - Programme 14	PmtsVirIntentrTxFlVIPg14
VB6F	Visa Flexible Rate B2B Virtual Payments-Program 15	VIFlexRateB2BVirPymntsProg15	Paiements virtuels interentreprises à taux flexibles Visa - Programme 15	PmtsVirIntentrTxFlVIPg15
VB7F	Visa Flexible Rate B2B Virtual Payments-Program 16	VIFlexRateB2BVirPymntsProg16	Paiements virtuels interentreprises à taux flexibles Visa - Programme 16	PmtsVirIntentrTxFlVIPg16
VB8F	Visa Flexible Rate B2B Virtual Payments-Program 17	VIFlexRateB2BVirPymntsProg17	Paiements virtuels interentreprises à taux flexibles Visa - Programme 17	PmtsVirIntentrTxFlVIPg17
VB9F	Visa Flexible Rate B2B Virtual Payments-Program 18	VIFlexRateB2BVirPymntsProg18	Paiements virtuels interentreprises à taux flexibles Visa - Programme 18	PmtsVirIntentrTxFlVIPg18
VFC1	Visa Flexible Rate B2B Virtual Payments-Program 19	VIFlexRateB2BVirPymntsProg19	Paiements virtuels interentreprises à taux flexibles Visa - Programme 19	PmtsVirIntentrTxFlVIPg19
VFC2	Visa Flexible Rate B2B Virtual Payments-Program 20	VIFlexRateB2BVirPymntsProg20	Paiements virtuels interentreprises à taux flexibles Visa - Programme 20	PmtsVirIntentrTxFlVIPg20
VFC3	Visa Flexible Rate B2B Virtual Payments-Program 21	VIFlexRateB2BVirPymntsProg21	Paiements virtuels interentreprises à taux flexibles Visa - Programme 21	PmtsVirIntentrTxFlVIPg21
IDF4	Interac Flash - Tier 4	Interac Flash Tier 4	Interac Flash - Palier 4	Interac Flash - Palier 4
MBTA	MC B2B Product 7 - MTA	MC B2B Prod7 MTA	Produit 7 Interentreprises MC - MTA	MC B2B Prod7 MTA
MBTB	MC B2B Product 8 - MTB	MC B2B Prod8 MTB	Produit 8 Interentreprises MC - MTB	MC B2B Prod8 MTB
MBTC	MC B2B Product 9 - MTC	MC B2B Prod9 MTC	Produit 9 Interentreprises MC - MTC	MC B2B Prod9 MTC
MBTD	MC B2B Product 10 - MTD	MC B2B Prod10 MTD	Produit 10 Interentreprises MC - MTD	MC B2B Prod10 MTD
MBTE	MC B2B Product 11 - MTE	MC B2B Prod11 MTE	Produit 11 Interentreprises MC - MTE	MC B2B Prod11 MTE
MBTF	MC B2B Product 12 - MTF	MC B2B Prod12 MTF	Produit 12 Interentreprises MC - MTF	MC B2B Prod12 MTF
MBTG	MC B2B Product 13 - MTG	MC B2B Prod13 MTG	Produit 13 Interentreprises MC - MTG	MC B2B Prod13 MTG
MBTH	MC B2B Product 14 - MTH	MC B2B Prod14 MTH	Produit 14 Interentreprises MC - MTH	MC B2B Prod14 MTH
MBTI	MC B2B Product 15 - MTI	MC B2B Prod15 MTI	Produit 15 Interentreprises MC - MTI	MC B2B Prod15 MTI
MBTJ	MC B2B Product 16 - MTJ	MC B2B Prod16 MTJ	Produit 16 Interentreprises MC - MTJ	MC B2B Prod16 MTJ
MBTK	MC B2B Product 17 - MTK	MC B2B Prod17 MTK	Produit 17 Interentreprises MC - MTK	MC B2B Prod17 MTK
MBTL	MC B2B Product 18 - MTL	MC B2B Prod18 MTL	Produit 18 Interentreprises MC - MTL	MC B2B Prod18 MTL
MBTM	MC B2B Product 19 - MTM	MC B2B Prod19 MTM	Produit 19 Interentreprises MC - MTM	MC B2B Prod19 MTM
MBTN	MC B2B Product 20 - MTN	MC B2B Prod20 MTN	Produit 20 Interentreprises MC - MTN	MC B2B Prod20 MTN
MBTO	MC B2B Product 21 – MTO	MC B2B Prod21 MTO	Produit 21 Interentreprises MC - MTO	MC B2B Prod21 MTO
MBTQ	MC B2B Product 22 - MTQ	MC B2B Prod22 MTQ	Produit 22 Interentreprises MC - MTQ	MC B2B Prod22 MTQ
MBTR	MC B2B Product 23 - MTR	MC B2B Prod23 MTR	Produit 23 Interentreprises MC - MTR	MC B2B Prod23 MTR
MBTS	MC B2B Product 24 - MTS	MC B2B Prod24 MTS	Produit 24 Interentreprises MC - MTS	MC B2B Prod24 MTS
MBTT	MC B2B Product 25 - MTT	MC B2B Prod25 MTT	Produit 25 Interentreprises MC - MTT	MC B2B Prod25 MTT
MBTU	MC B2B Product 26 - MTU	MC B2B Prod26 MTU	Produit 26 Interentreprises MC - MTU	MC B2B Prod26 MTU
MBTV	MC B2B Product 27 - MTV	MC B2B Prod27 MTV	Produit 27 Interentreprises MC - MTV	MC B2B Prod27 MTV
V982	VI Interregional Super Premium Card Not Present	Visa Inter Super Prem CNP	Carte Super Premium Interrégionale VI Non Présente	Visa Inter Super Prem CNP
V984	VI Interregional Premium Card Not Present	Visa Inter Prem CNP	Carte Premium Interrégionale VI Non Présente	Visa Inter Prem CNP
V987	VI Interregional Non-Premium Card Not Present	Visa Inter Non-Prem CNP	Carte Non Premium Interrégionale VI Non Présente	Visa Inter Non-Prem CNP
V989	VI Interregional Business Card Not Present	Visa Inter Business CNP	Carte Affaires Interrégionale VI Non Présente	Visa Inter Business CNP
V991	VI Interregional Corporate Card Not Present	Visa Inter Corp CNP	Carte d’entreprise Interrégionale VI Non Présente	Visa Inter Corp CNP
V993	VI Interregional Purchasing Card Not Present	Visa Inter Purch CNP	Carte d’achat Interrégionale VI Non Présente	Visa Inter Purch CNP
V983	VI Interregional Super Premium Downgrade	Visa Inter Super Prem D'grade	Déclassement VI Super Premium Interrégionale	Visa Inter Super Prem D'grade
V985	VI Interregional Premium Downgrade	Visa Inter Prem D'grade	Déclassement VI Premium Interrégionale	Visa Inter Prem D'grade
V988	VI Interregional Non-Premium Downgrade	Visa Inter Non-Prem D'grade	Déclassement VI Non Premium Interrégionale	Visa Inter Non-Prem D'grade
V990	VI Interregional Business Downgrade	Visa Inter Business D'grade	Déclassement VI Affaires Interrégionale	Visa Inter Business D'grade
V992	VI Interregional Corporate Downgrade	Visa Inter Corp D'grade	Déclassement VI d’entreprise Interrégionale	Visa Inter Corp D'grade
V994	VI Interregional Purchasing Downgrade	Visa Inter Purch D'grade	Déclassement Visa d’achat Interrégionale	Visa Inter Purch D'grade
V995	VI Interregional Credit Voucher or Return Consumer	Visa Inter Refund Consumer	Bon d’achat Interrégional VI ou Retour Consommateur	Visa Inter Retour Consommateur
V996	VI Interregional Credit Voucher or Return Commercial	Visa Inter Refund Commercial	Bon d’achat Interrégional VI ou Retour Commercial	Visa Inter Retour Commercial
V986	VI Interregional Non-Premium Card Present	Visa Inter Non-Prem CP	Carte Non Premium Interrégionale VI Présente	Visa Inter Non-Prem CP
MINA	Mastercard Installments Group A-CA	MC Instlmnt CA Grp A	Versements Mastercard Groupe A-CA	MC Instlmnt CA Grp A
MINB	Mastercard Installments Group B-CA	MC Instlmnt CA Grp B	Versements Mastercard Groupe B-CA	MC Instlmnt CA Grp B
MINC	Mastercard Installments Group C-CA	MC Instlmnt CA Grp C	Versements Mastercard Groupe C-CA	MC Instlmnt CA Grp C

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.

©2025 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.

Accept Payments

Explore Blockchain

Client Service

Process Payments

Manage Funds

Safeguard Information

Banking-as-a-service

Send Payments

INDUSTRIES WE SERVE

Payment Brand Changes

U.S. Edition

Visa®

Mastercard®

American Express®

Discover®

Other Networks

Debit Networks

Rate Codes

For additional Payment Brand related information, please click here.

SOLUTIONS

CAREERS

HELPFUL LINKS

JPMORGANCHASE SITES

CONNECT WITH US

Accept Payments

Explore Blockchain

Client Service

Process Payments

Manage Funds

Safeguard Information

Banking-as-a-service

Send Payments

INDUSTRIES WE SERVE

Payment Brand Changes

U.S. Edition

Visa®

April 2025 – Visa Protect Authentication Intelligence score for Puerto Rico and the U.S. Virgin Islands

April 2025 – Visa Protect Authentication Intelligence score for Visa Data Only Transactions in Guam

Token MIT update in the U.S. and U.S. territories

Standing instruction MITs for device tokens in the U.S. and U.S. territories

April 2024 – Introducing Visa Flexible Credential Service in the U.S. and Guam

Updates on Visa Smart Debit/Credit Certificate Authority Annual Key Assessment in the U.S. and U.S. Territories

April 2025 – Introducing new authorization response codes in the U.S. and U.S. territories

April 2025 – Visa Changes to Currency Code for Curaçao and Sint Maarten in the U.S. and U.S. Territories

April 2025 – AFD Authorization Changes in the U.S. and U.S. Territories

VMAAS is now Visa Flexible Credential in the U.S. and U.S. Territories

Support for EMV 3-D Secure 2.3.1.1 and EMV 3DS Bridging Message Extension v2.0 in the U.S. and U.S. Territories

October 2024 – Jurisdictional Use of Account Range in the U.S. and U.S. Territories

October 2024 – Global Processing Electronic Data Quality Program in the U.S. and U.S. Territories

October 2024 – Updates on CPS/AFD Fee Program Qualification

October 2024 – Updates to Visa Corporate and Visa Purchase Fee Programs for Select Fleet and Fuel MCCs

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

August 2024 – Visa Secure SDK Encryption Key Certificate Update in the U.S. and U.S. Territories

August 2024 – Secure Program Updates in the U.S. and U.S. Territories

Paper Option Now Allowed for Non-Reloadable Prepaid Cards in the U.S. and U.S. Territories

April 2024 – Account Funding Source Updates for B2B Payment Programs in the U.S. and U.S. Territories

July 2024 – Changes to Transactions Destined to India for the U.S. and U.S. Territories

Renamed Visa B2B Payment Programs in the U.S. and U.S. Territories

June 2024 – Visa blocking certain transactions to Mainland China

Support for Visa Secure Data Only Program in Puerto Rico and the U.S. Virgin Islands

April 2024 – Authorization Response Codes Updates in the U.S. and U.S. Territories

April 2024 – Update to Small Business Credit Products Issued in the U.S. and Puerto Rico

April 2024 – Changes to Support the Migration of Certain French Territories to the Europe Region

April 2024 – Changes to Small Merchant Program Fee Edit Criteria for Card-Present Transactions

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

Mastercard®

May 2025 – Static tokens to support Click to Pay in the U.S.

April 2025 – Companion Cloud tokens and Recurring Payment Cloud tokens for Apple Pay in the U.S. and U.S. territories

Updates to the Mastercard Payment System Public Keys in the U.S. and U.S. Territories

May 2025 – Updates to DIMP edits for Travel Addendum Data in the U.S.

May 2025 – Merchant Payment Gateway ID Requirement in the U.S. and U.S. Territories

April 2025 – Updated chargeback standards for second presentment option in the U.S. and U.S. territories

April 2025 – Updates to DIMP requirements for CVM results in the U.S. and U.S. territories

April 2025 – Update on MDES support of the Virtual Reality headset device type or form factor in the U.S. and U.S. territories

Rejections on Unapproved Authorizations and Force Deposits in the U.S. and U.S. Territories

March 2025 – Mastercard Changes to Currency Code for Curaçao and Sint Maarten in the U.S. and U.S. Territories

March 2025 – Data Integrity Monitoring Edits for Funding Transactions in the U.S. and U.S. Territories

Contactless Transit Aggregated Transaction Framework Clarification in the U.S.

Revised Standards for Transit and Parking Transaction Receipts in the U.S. and U.S. Territories

October 2024 – Revised Standards for Chargeback Disputes from Automated Fuel Dispensers in the U.S. and U.S. Territories

October 2024 - Revised Standards for Online Authorization of Refund Transactions in the U.S. Territories

November 2024 – New Merchant Advice Code 43 in the U.S. and U.S. Territories

Revised Standards for Transaction Receipts in the U.S. and U.S. Territories

June 2024 – Identity Check 3DS Edits Reminder in the U.S. and U.S. Territories

April 2024 – Revised Standards for Refund Transactions in the U.S. and U.S. Territories

April 2024 – CVC 2 Requirement on Tokenized and Authenticated Card-Not-Present Transactions in Guam

April 2024 – Support for Chip Only Cards in the U.S. Territories

April 2024 – Revised Chargeback Rules in the U.S. and U.S. Territories

American Express®

Updates to the American Express RSA Certification Authority Public Keys in the U.S. and U.S. Territories

March 2025 – American Express changes to currency code for Curaçao and Sint Maarten in the U.S. and U.S. territories

October 2024 – Retirement of SafeKey 2.1

April 2024 – Low Tier and High Tier Program Thresholds

April 2024 – Updated Anti-Fraud Submission Logic

Discover®

Updates to the D-Payment Application Specification CA Public Keys in the U.S. and U.S. Territories

April 2025 – Debt repayment indicator in the U.S., Puerto Rico, and the U.S. Virgin Islands

March 2025 – Discover changes to currency code for Curaçao and Sint Maarten in the U.S. and U.S. territories

Enhancing Autofill for Token and Virtual Card Number Transactions in the U.S. and U.S. Territories

October 2024 – Common Security Features with UnionPay Acceptance Mark

Updates on Card Acceptor Terminal Identification Codes in the U.S. and U.S. Territories

April 2024 – Declined/Rejected Response for Fraudulent Transactions in the U.S. and U.S. Territories

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

April 2024 – Updates on Qualified Products for the Emerging Markets Consumer Interchange Program in the U.S. and U.S. Territories