MasterCard
Review requirements of accepting Mastercard payments.
✏️ New MoneySend Payment Transaction Interchange Global Rates and Updates to Existing Global Rates
Mastercard Parameter Extract (MPE) data delivered June 3, 2024
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
- Transaction Type Indicators (TTI) C55: Mastercard MoneySend Business Disbursement and C56: Mastercard MoneySend Government/Non-profit Disbursement
The interchange rates are paid by the Originating Institution (OI) to the Receiving Institution (RI).
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 5 days ago