Improved

Changelog 3/31/26

Mastercard

  • Mastercard introduced the CCP to reduce declines caused by outdated cardholder credentials. A significant portion of recurring transactions using outdated credentials are declined. When updated credentials have been available for an extended period but the merchant continues using the old ones, Mastercard applies a fee.

Visa

  • Starting March 10, Banque de France will begin declining Visa non-3DS CIT transactions with US merchants when a cardholder exceeds a cumulative spending threshold at the same merchant within a 24-hour window since their last authentication.