Changelog 9/16/25
- Bulletins
- Bulletins are posted and sent directly to clients to communicate any upcoming network announcements or system changes.
- PDF downloadable files have been added to each row on the bulletins table.
- Mastercard
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Effective November 3, 2025 Mastercard is implementing a uniform pricing structure for Digital Enablement Fees currently assessed to Mastercard Card-Not-Present (CNP) transactions in Canada.
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The changes are as follows:
- Cap Removal: The $0.20 fee cap on transactions ≥ $1,000 will be removed. Updated Pricing Structure
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Fee Code | Fee Description | Rate through 2 November 2025 (USD) | Rate beginning 3 November 2025 (USD) |
|---|---|---|---|
MDEF | Mastercard Digital Enablement Fee | Minimum of 0.02, applicable to transactions less than 100. 0.0002 times the value of authorization. Maximum of 0.20, applicable to transactions more than or equal to 1,000. | Minimum of 0.02, applicable to transactions less than or equal to 100. 0.0002 times the value of authorization. 0.0002 times the value of authorization, applicable to transactions more than or equal to 1,000. |
- Visa
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As of April 25, 2026 Visa will increase System Integrity Fees (SIF) from USD 0.15 to USD 0.25 for noncompliant international authorization reattempts in the US and Canada.
If a merchant reattempts a transaction after receiving a Category 1, 2, 3, or 4 response code, the fee will be charged per reattempt.
As a reminder, here are the response code descriptions:
- Category 1—Issuer Will Never Approve response code
- Category 2—Issuer Cannot Approve At This Time
- Category 3—Data Quality, Revalidate Payment Information
- Category 4—Generic Response Codes This increase augments Visa’s existing programs that aim to limit reattempts, with a specific international-focused fee increase.
Learn more about Visa Category Fees at Transaction Integrity - Network Fees.
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- Holiday Freeze Schedule
| Thanksgiving | |
|---|---|
| Soft Freeze | Monday, Nov 24 – Wednesday, Nov 26 |
| Hard Freeze | Thursday, Nov 27 – Friday, Nov 28 | Christmas & New Year's |
| Soft Freeze | Monday, Dec 22 – Tuesday, Dec 23 |
| Hard Freeze | Wednesday, Dec 24 – Sunday, Jan 4 |
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ACH API Cutt-off times have been updated to reflect the following new times:
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New Cut-off times:
ACH Input Type Same Day Next Day API* 12:00 PM PT 5:30 PM PT
*Files are still processed with ACH API initiated by Create Transaction.
- Previously ACH API cut-off times were listed at 12:00 PM PT (Same window).