MasterCard

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✏️ New MoneySend Payment Transaction Interchange Global Rates and Updates to Existing Global Rates

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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 nameRate (USD)
IRD Q5: Interregional Business Disbursement Transfer1.00% (maximum USD 0.50; maximum EUR 0.50 if originating from Europe)
IRD Q8: Interregional Government/Non-profit Disbursement1.00% (maximum USD 0.50; maximum EUR 0.50 if originating from Europe)

Asia/Pacific region
These tables detail the new rates for Asia/Pacific intraregional Mastercard MoneySend payment transactions.

Asian / Pacific Region Mastercard Credit Rates

Interchange program IRD Rate (USD)
Consumer Standard
Intraregional Business Disbursement Transfer Q5 1.00% (maximum USD 0.50)
Intraregional Government/Non-profit Disbursement Q8 1.00% (maximum USD 0.50)
Consumer Gold
Intraregional Business Disbursement Transfer Q5 1.00% (maximum USD 0.50)
Intraregional Government/Non-profit Disbursement Q8 1.00% (maximum USD 0.50)
Consumer Premium
Intraregional Business Disbursement Transfer Q5 1.00% (maximum USD 0.50)
Intraregional Government/Non-profit Disbursement Q8 1.00% (maximum USD 0.50)
Consumer Super Premium 1.00% (maximum USD 0.50)
Intraregional Business Disbursement Transfer Q5 1.00% (maximum USD 0.50)
Intraregional Government/Non-profit Disbursement Q8 1.00% (maximum USD 0.50)
Consumer Elite
Intraregional Business Disbursement Transfer Q5 1.00% (maximum USD 0.50)
Intraregional Government/Non-profit Disbursement Q8 1.00% (maximum USD 0.50)
Commercial Standard
Intraregional Business Disbursement Transfer Q5 1.00% (maximum USD 0.50)
Intraregional Government/Non-profit Disbursement Q8 1.00% (maximum USD 0.50)
Commercial Super Premium
Intraregional Business Disbursement Transfer Q5 1.00% (maximum USD 0.50)
Intraregional Government/Non-profit Disbursement Q8 1.00% (maximum USD 0.50)
Commercial Elite
Intraregional Business Disbursement Transfer Q5 1.00% (maximum USD 0.50)
Intraregional Government/Non-profit Disbursement Q8 1.00% (maximum USD 0.50)

Asian / Pacific Region Mastercard Debit Rates

Interchange program IRD Rate (USD)
Consumer Standard
Intraregional Business Disbursement Transfer Q5 1.00% (maximum USD 0.50)
Intraregional Government/Non-profit Disbursement Q8 1.00% (maximum USD 0.50)
Consumer Gold
Intraregional Business Disbursement Transfer Q5 1.00% (maximum USD 0.50)
Intraregional Government/Non-profit Disbursement Q8 1.00% (maximum USD 0.50)
Consumer Premium
Intraregional Business Disbursement Transfer Q5 1.00% (maximum USD 0.50)
Intraregional Government/Non-profit Disbursement Q8 1.00% (maximum USD 0.50)
Consumer Super Premium 1.00% (maximum USD 0.50)
Intraregional Business Disbursement Transfer Q5 1.00% (maximum USD 0.50)
Intraregional Government/Non-profit Disbursement Q8 1.00% (maximum USD 0.50)
Commercial Standard
Intraregional Business Disbursement Transfer Q5 1.00% (maximum USD 0.50)
Intraregional Government/Non-profit Disbursement Q8 1.00% (maximum USD 0.50)
Consumer Elite
Intraregional Business Disbursement Transfer Q5 1.00% (maximum USD 0.50)
Intraregional Government/Non-profit Disbursement Q8 1.00% (maximum USD 0.50)
Commercial Super Premium
Intraregional Business Disbursement Transfer Q5 1.00% (maximum USD 0.50)
Intraregional Government/Non-profit Disbursement Q8 1.00% (maximum USD 0.50)
Latin America and the Caribbean region

This table details the modified rates for Latin America and the Caribbean intraregional Mastercard MoneySend payment transactions.

Acquirer Region Issuer Region Issuer Region Fee Tier IRD Rate
Latin America and the Caribbean Latin America and the Caribbean MCC, DMC, MSI MoneySend Q5 1.00% (maximum USD 0.50)
Latin America and the Caribbean Latin America and the Caribbean MCC, DMC, MSI MoneySend Q8 1.00% (maximum USD 0.50)
Middle East and Africa Region

These tables detail the new rates for MEA intraregional Mastercard MoneySend payment transactions.

Intra-MEA region Mastercard credit and debit rates
Interchange program IRD Rate Fee
Intraregional Business Disbursement Transfer Q5 1.00% (maximum USD 0.50)
Intraregional Government/Non-profit Disbursement QB 1.00% (maximum USD 0.50)
Intra-MEA region Maestro rates
Program Name Rate (USD)
IRD Q5: Intraregional Business Disbursement Transfer 1.00% (maximum USD 0.50)
IRD Q8: Intraregional Government/Non-profit Disbursement 1.00% (maximum USD 0.50)

✏️ MasterCard Assessment Fee

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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

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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

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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

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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 numberBilling event nameBilling event descriptionService IDRates (USD)
2S42091(S)Acquirer Clearing Gaming and Gambling Payment Trans FeeDual MessageS40.25
2S45115(S)Acquirer SMS Gaming and Gambling Payment Trans FeeSingle MessageSO0.25

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 FeeRate
MAIDUSD 0.10

Program Business Arrangements

The MAID will be configured for the following Business Service Arrangements (BSA).


Country/RegionBSA
United States to Latin America and the Caribbean1-010101

Program Criteria

The following table lists the interchange rate designator (IRD) and acceptor business (AB) programs affected by this change.

IRDIRD 20: Payment Transactions
AB programGAM1: Gambling

✏️ Revised Threshold for Authorization Attempts

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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 numberBilling event nameService IDRate (USD)
2PI2010Excessive Authorization AttemptsP40.50

✏️ MOTO Fee

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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.

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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 numberBilling event nameService IDCurrent rate (USD)New rate (USD)
2MS2400FILING FEEMS150200
2MS2430MASTERCOM PROCESSING FEE – ARBITRATION CASE FEEMS2025
2MS2440MASTERCOM PROCESSING FEE –COMPLIANCE CASE FEEMS2025
2MS2450MASTERCOM PROCESSING FEE – PRECOMPLIANCE CASE FEEMS2025
2MS2420ADMINISTRATIVE FEEMS250350
2MS2410TECHNICAL VIOLATION FEEMS100200
2MS2550CASE WITHDRAWAL FEEMS150100
2MS2470CASE FILE HOSTED FEEMS2025

✏️ Supporting Visa Account Funding Transaction Processing and Visa Assessment Data

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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)

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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

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Effective February 20, 2024

Visa-branded Account Funding Transactions processed using MasterCard network will receive Visa Assessment Data from Visa.

✏️ Mastercard RPPS Pricing Updates

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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

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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

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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)

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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