Fee Changes For Mastercard CNP Transactions
July 7th, 2025
We are writing to inform you about upcoming changes to Mastercard Digital Enablement Fees, effective July 14, 2025. Mastercard is implementing a uniform pricing structure for certain fees currently assessed to Mastercard Card-Not-Present transactions.
The changes are as follows:
- Cap Removal:
- The $0.40 fee cap on transactions ≥ $1,000 will be removed.
- Expanded Fee Applicability:
- The MDEF will now apply to CNP authorizations declined due to insufficient funds (DE 39 = 51), which are currently excluded.
Updated Pricing Structure
Fee Code | Fee Description | Rate* Through 13 July 2025 | Rate* beginning 14 July 2025 |
|---|---|---|---|
MDEF | Mastercard Digital Enablement Fee | Minimum of 0.02, applicable to transactions less than 100. 0.0002 times the value of authorization, applicable to transactions less than 1,000 Fixed fee of 0.40, applicable to transactions greater than or equal to 1000 | Minimum of 0.02, applicable to transactions less than or equal to 100. 0.0002 times the value of authorization, applicable to transactions greater than 100 No maximum cap |
*Rates are in USD
What this means for you:
You may observe changes in the Mastercard Digital Enablement Fees assessed for your larger ticket size transactions and for certain declined card-not-present transactions. We recommend reviewing your transaction volumes and fee structures to ensure a smooth transition.
Should you have any questions about these changes please do not hesitate to reach out to your account manager or contact [email protected].
Updated about 13 hours ago