MasterCard
Review requirements of accepting Mastercard payments.
Introducing Product Codes for the New Mastercard Flex Program
Effective 11 April 2025
Mastercard is introducing a global commercial credit program, called Mastercard Flex Program (MFP) that helps capture new B2B flows on commercial cards through a flexible interchange structure based on tiers.
This program is intended for non-travel flows on B2B platforms, including but not limited to Enterprise Resource Platforms (ERPs), procure-to-pay providers, order-to-cash providers, and accounting systems.
Mastercard is introducing 35 new product codes that reflect the MFP interchange tiers.
All Mastercard Flex Program product codes will be eligible for the Account Level Management (ALM) Product Graduation Plus (PGP) program to graduate from one Mastercard Flex Program product code to another. The existing Commercial Large Market product codes MCF, MCP, MGF, MNF, MLA, MWO, MAC, MEO, and MCO will also be enabled for product graduation to the Mastercard Flex Program product codes. Mastercard will make this capability available on a market-by-market basis and provide customer communication as markets become enabled for PGP availability.
Introducing Decline Response Code Values
Effective 3 June 2025
Mastercard is introducing decline response code values to track and monitor closed accounts and accounts not yet activated more efficiently.
| New Response Code | Description |
|---|---|
| 46 | When an issuer or cardholder permanently closes a credential or underlying account and no further authorization requests will be approved. |
| 72 | When an authorization request is received but cannot be approved because the account has not been activated, such as in the case of a newly issued account |
Reference
For a full list of card network response codes, please click here.
Supporting New Currency in Curacao and Sint Maarten
Effective 31 March 2025
Mastercard is supporting the Caribbean guilder, the new currency designated for the Dutch Caribbean constituent countries of Curaçao and Sint Maarten. This enhancement aligns with the Central Bank of Curaçao and Sint Maarten requirement.
Discontinuing support for anonymous Mastercard MoneySend transactions
Effective 31 January 2025
Mastercard is discontinuing support for anonymous Mastercard MoneySend Payment Transactions.
An anonymous Mastercard MoneySend Payment Transaction is a type of General Person-to-Person Payment MoneySend Payment Transaction that does not include the sender's name or the sender's account number in the transaction's Authorization Request.
Inbound Cross-border MoneySend Payment Transactions to the Dominican Republic
Effective 15 October 2024
For all Inbound Cross-border Payment Transactions sent to a Card Account issued in the Dominican Republic: Mastercard strongly recommends populating purpose of payment.
Reference
For purpose of payment values to pass, please click here.
New Data Integrity Monitoring Program Edit for Online Gambling Authorization
Various dates of note
Monitoring begins August 1, 2024
Comply-by date Feb 1, 2025
Assessments begin March 30, 2025
Mastercard is updating Gambling Authorization requirements to include fully authenticated tokenized cardholder-initiated transactions (CITs) and subsequent credential-on-file (COF) recurring payment transactions that link to a prior CVC 2 or fully authenticated transaction or tokenized CIT.
If the CVC 2 value, EMV 3-D Secure authentication, or tokenized authentication is not present, there would be a Data Integrity performance assessment.
How does this affect TabaPay Clients
CIT and MIT
TabaPay Clients processing Online Gambling must ensure that a CIT transaction and/or MIT has one of the following associated with the CIT:
- EMV® 3-D Secure (EMV 3DS) authentication or
- Mastercard® Digital Enablement Service (MDES) tokenization or
- CVC2
Transaction Monitoring
Mastercard identifies transactions monitored under this edit by the following criteria:
- DE 3 (Processing Code), subfield 1 (Cardholder Transaction Type Code) value is 00 (Purchase)
- DE 18 (Merchant Type) values are any of the following: – MCC 7995 (Gambling Transactions)
- MCC 7800 (Government Owned Lottery [U.S. Region Only])
- MCC 7801 (Internet Gambling [U.S. Region Only])
- MCC 7802 (Government Licensed Horse/Dog Racing [U.S. Region Only])
- MCC 9406 (Government Owned Lottery [global, excluding U.S. Region])
- DE 22 (Point-of-Service [POS] Entry Mode), subfield 1 (POS Terminal PAN Entry Mode) values are any of the following:
- 09 (PAN/Token entry via electronic commerce containing DSRP cryptogram in DE 55 (Integrated Circuit Card [ICC] System-Related Data)
- 10 (Credential on File)
- 81 (PAN/Token entry via electronic commerce with optional Identity Check-AAV or DSRP cryptogram in UCAF)
- 82 (PAN Auto Entry via Server (issuer, acquirer, or third party vendor system)
Mastercard considers a transaction to be nonperforming when: - DE 48 (Additional Data: Private Use), subelement 92 (CVC 2) is not present
And One of the following is true - DE 48, subelement 42 (Electronic Commerce Indicators) subfield 1 (Electronic Commerce Security Level Indicator [SLI] UCAF Collection Indicator) does not have a value of 212 or 242, or
- DE 61 (POS Cardholder Presence Indicator), subfield 4 (POS Cardholder Presence) value is 4 (Recurring Payment) and DE 48, subelement 42, subfield 1 does not have a value of 214 or 217, or DE 48, subelement 63 (Trace ID is not populated), or
- DE 61, subfield 4 is equal to 4 and DE 48, subelement 63 is present but the length is less than 13 bytes, contains all zeros, or non uppercase alpha-numeric combinations.
New Qualified Small Businesses Interchange Program for Canada
Effective October 18, 2024
Processing Date October 19, 2024
Mastercard is introducing the Qualified Small Businesses interchange program and interchange rates to comply with the requirements of the Amended and Restated Voluntary Agreement in the Canada region.
The new requirements include:
- Businesses with annual Mastercard credit card volume below the qualifying threshold of CAD $175,000 in 12-month window ending on September 30 of the prior calendar year.
- Reducing card-not-present (CNP) remote commerce and 3DS Secure Code domestic consumer credit interchange rates for Qualified Small Businesses by 10 basis points (bps) as compared to the numerical rates in the market as of March 1, 2023.
The average fee that brick-and-mortar stores pay to process domestic consumer credit card transactions for qualified small businesses will not exceed 95 bps for each 12-month reporting period of this updated framework.
New MoneySend Payment Transaction Interchange Global Rates and Updates to Existing Global Rates
Processing Date June 4, 2024
Mastercard is modifying interregional Mastercard MoneySend Payment Transaction interchange global rates and intraregional interchange rates in Latin America and the Caribbean.
Mastercard is also introducing intraregional Mastercard MoneySend Payment Transaction interchange rates in the Asia/Pacific and Middle East/Africa regions.
The interchange rates apply to:
- Interchange rate designators (IRD) Q5: Business Disbursement and Q8: Government/Non-profit Disbursement
Interregional Mastercard MoneySend interchange rates
This section details the interregional interchange rates for Mastercard MoneySend payment transactions globally.
| IRD and program name | Rate (USD) |
|---|---|
| IRD Q5: Interregional Business Disbursement Transfer | 1.00% (maximum USD 0.50; maximum EUR 0.50 if originating from Europe) |
| IRD Q8: Interregional Government/Non-profit Disbursement | 1.00% (maximum USD 0.50; maximum EUR 0.50 if originating from Europe) |
MasterCard Assessment Fee
Effective April 15, 2024
MasterCard is increasing Dues & Assessments from 0.13% to 0.14% for transactions less than $1,000.
MasterCard is increasing Dues & Assessments from 0.14% to 0.15% for transactions greater than or equal to $1,000.
MasterCard Digital Enablement >= $1,000
Effective April 15, 2024
MasterCard is increasing the existing Digital Enablement Pricing for CNP transactions >= $1,000 to a fixed rate of $0.40.
NABU Non-Domestic US Fee
Effective April 15, 2024
MasterCard will extend the Network Access and Brand Usage Fee (NABU) to non-domestic authorizations, collection-only, and refund/credit transactions.
Pricing Fee and Service Fee for Gaming Payment Transactions
Effective April 12, 2024
Pricing Fee
Mastercard is introducing a gaming and gambling fee for gaming payment transactions originated in the United States to receiving accounts in Puerto Rico.
| Billing event number | Billing event name | Billing event description | Service ID | Rates (USD) |
|---|---|---|---|---|
| 2S42091(S) | Acquirer Clearing Gaming and Gambling Payment Trans Fee | Dual Message | S4 | 0.25 |
| 2S45115(S) | Acquirer SMS Gaming and Gambling Payment Trans Fee | Single Message | SO | 0.25 |
Service Fee
Mastercard is introducing a new service fee, through Mastercard Assigned ID (MAID), that can be used for Gaming Payment Transactions originating in the U.S. region to Receiving Institutions in Puerto Rico.
Inbound cross-border Gaming Payment Transactions from the United States to Puerto Rico are permitted under the Gaming and Gambling Payments Program.
| Service Fee | Rate |
|---|---|
| MAID | USD 0.10 |
Program Business Arrangements
The MAID will be configured for the following Business Service Arrangements (BSA).
| Country/Region | BSA |
|---|---|
| United States to Latin America and the Caribbean | 1-010101 |
Program Criteria
The following table lists the interchange rate designator (IRD) and acceptor business (AB) programs affected by this change.
| IRD | IRD 20: Payment Transactions |
|---|---|
| AB program | GAM1: Gambling |
Revised Threshold for Authorization Attempts
Effective April 1, 2024
First Billing Occurs May 5, 2024
Mastercard is introducing a threshold of 35 declined attempts on the same account number, at the same card acceptor, and for the same amount within a 30-day period. This helps reinforce proper processing behavior surrounding repeated authorization declines. The first billing will be 5 May 2024.
Billing and pricing information
The following pricing is for the Excessive Authorization Attempts TPE program (per identified declined transaction).
The threshold of 35 declines on the same account number, same card acceptor, and same amount within a 30-day period will be effective 1 April 2024, with the first billing on 5 May 2024.
Authorization declines in a 24-hour period count toward the 30-day period threshold, but Mastercard will not assess the fee twice for the same authorization decline.
Billing and Pricing Info
| Billing event number | Billing event name | Service ID | Rate (USD) |
|---|---|---|---|
| 2PI2010 | Excessive Authorization Attempts | P4 | 0.50 |
MOTO Fee
Effective April 1, 2024
A new Mail Order/Telephone Order (MOTO) fee of 0.015% will be applied on all cleared transactions defined as Mail Order/Telephone order.
Revision to Arbitration Case Filing Fees in the U.S.
Effective March 1, 2024
Mastercard is revising arbitration case filing fees for Mastercom (dispute management) for customers in the U.S. region. Mastercard assesses these fees to customers that use Mastercom.
Billing and pricing information
The following fees for Mastercom arbitration case filing are effective for customers in the U.S. region as of the date noted in the Effective date details tables.
| Billing event number | Billing event name | Service ID | Current rate (USD) | New rate (USD) |
|---|---|---|---|---|
| 2MS2400 | FILING FEE | MS | 150 | 200 |
| 2MS2430 | MASTERCOM PROCESSING FEE – ARBITRATION CASE FEE | MS | 20 | 25 |
| 2MS2440 | MASTERCOM PROCESSING FEE –COMPLIANCE CASE FEE | MS | 20 | 25 |
| 2MS2450 | MASTERCOM PROCESSING FEE – PRECOMPLIANCE CASE FEE | MS | 20 | 25 |
| 2MS2420 | ADMINISTRATIVE FEE | MS | 250 | 350 |
| 2MS2410 | TECHNICAL VIOLATION FEE | MS | 100 | 200 |
| 2MS2550 | CASE WITHDRAWAL FEE | MS | 150 | 100 |
| 2MS2470 | CASE FILE HOSTED FEE | MS | 20 | 25 |
Supporting Visa Account Funding Transaction Processing and Visa Assessment Data
Effective February 20, 2024
Visa-branded Account Funding Transactions processed using MasterCard network will receive Visa Assessment Data from Visa.
Excessive Auth Integrity Fee (Canada)
Effective Dates:
- Beginning April 1, 2024 MasterCard will introduce a threshold of 35 declined attempts within a 30-day period for the Excessive Authorization Attempts TPE program
- Effective May 5, 2024, first billing occurs
Mastercard is revising the threshold for the Excessive Authorization Attempts Transaction Processing Excellence (TPE) program in the Canada region.
Beginning 1 April 2024, Mastercard is introducing a threshold of 35 declined attempts on the same account number, at the same card acceptor, and for the same amount within a 30-day period. Mastercard is taking this action to reinforce proper processing behavior surrounding repeated authorization declines. The first billing will be 5 May 2024.
The following pricing is for the Excessive Authorization Attempts TPE program (per identified declined transaction).
- The threshold of 35 declines on the same account number, same card acceptor, and same amount within a 30- day period will be effective 1 April 2024, with the first billing on 5 May 2024.
- Authorization declines in a 24-hour period count toward the 30-day period threshold, but Mastercard will not assess the fee twice for the same authorization decline.
The retry fee is $0.50/transaction effective May 5, 2024.
Supporting Visa Account Funding Transaction Processing and Visa Assessment Data
Effective February 20, 2024
Visa-branded Account Funding Transactions processed using MasterCard network will receive Visa Assessment Data from Visa.
Mastercard RPPS Pricing Updates
Effective January 1, 2024
Mastercard is modifying the pricing for Remote Payment and Presentment Service (RPPS) in the U.S. Region and Puerto Rico. Refer to RPPS Fees for more information.
Fraud Notification Service
Effective November 7, 2023
Mastercard is making changes to enhance the Fraud Notification Service (FNS) counter. Mastercard previously introduced the FNS counter. Today, the counter for the number of fraud chargebacks is 15 for each unique combination of primary account number (PAN), PAN expiration date, and token and virtual card number (VCN). The dynamics of commerce and fraud in the payment ecosystem continue to evolve. As such, Mastercard will increase this counter to 35 and systematically block any fraud chargebacks submitted that exceed this threshold.
Beginning 7 November 2023, Mastercard will increase the current FNS counter from 15 to 35 fraud chargebacks for each unique combination of PAN, PAN expiration date, and token and VCN. Mastercard adds the FNS date (the date of the second fraud-based chargeback, for example) and FNS counter (the number of fraud-based chargeback transactions, for example) to the clearing record containing the chargeback. Mastercard will systematically block fraud chargebacks that exceed this threshold.
Transactions authorized on or before 6 November 2023, are ineligible for fraud chargebacks when the FNS counter is between 16 and 35.
CNP Pre-Authorization Fee
Effective October 8, 2023
Effective 8 October 2023, Mastercard will begin charging all US merchants who use credit card pre-authorizations a 1.25bps (0.0125%) per transaction fee for pre-authorizations on Mastercard card-not-present (CNP) transactions with a minimum of $0.01. The fee will apply to preauthorization transactions that meet the following criteria:
The authorization was processed via the Mastercard Network
The authorization request is partially or fully approved
The authorization is identified as a preauthorization, data element = 4
Note: Debit card and Private Label transactions are exempt
Excessive Auth Integrity Fee (US)
Effective November 1, 2023
Effective 1 November 2023, merchants will incur fees if they retry a transaction more than 35 times in a 30-day period. As part of Mastercard's Transaction Processing Excellence Program (TPE)—a series of transaction monitoring initiatives to drive complaint behavior in the ecosystem—any further retry attempt(s) past the 35 allowed will incur a $0.15 per transaction fee. This retry fee will further increase to:
$0.30/transaction effective 1 January 2024 and
$0.50/transaction effective 1 January 2025
Updated about 1 month ago