Mastercard Digital Enablement Fee Changes for Card-Not-Present Transactions Originated in Canada
9/12/25
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.
The changes are as follows:
- Cap Removal: The $0.20 fee cap on transactions ≥ $1,000 will be removed.
Updated Pricing Structure
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. |
What this means for you
You may observe changes in the Mastercard Digital Enablement Fees assessed for larger ticket size transactions. We recommend reviewing current transaction volumes and fee structures to ensure a smooth transition.
These fee changes apply only to transactions originated in Canada. These fee changes do not apply to merchants who are not located in Canada.
Note: Card-not-present (CNP) authorizations declined due to insufficient funds (DE 39 = 51), are currently excluded from the DEF assessment. This exclusion will be removed in Canada effective 2 February 2026.
For questions about these changes, contact [email protected].
Updated about 13 hours ago