September 25, 2025

Overview

The existing domestic P2P and A2A rates in the United States region are being replaced with rates structured as a fixed price per transaction.

Effective Dates

Current Rates

New Rates

Key Details

Person-to-Person (P2P) Payment Transactions

P2P transactions involve a transfer of funds from one individual (Sender) to another individual (Recipient).

Account-to-Account (A2A) Disbursement Transactions

An Account-to-Account payment is a transfer between accounts held by the same entity (Me-to-Me Transfers) or transfers between unrelated accounts that aren't strictly P2P (e.g., Cryptocurrency sales funds transfers).

Important Considerations

• Rates for Mastercard disbursements originated from Canada are not affected by these changes.
• Rates for Mastercard disbursements originated from the United States for transaction types other than A2A or P2P are not affected by these changes.
• P2P and A2A disbursements may be preceded by a separate debit transaction where funds are pulled from a cardholder. Pull transactions (where funds are debited from the cardholder) are not affected by these rate changes.

Support

Should you have questions regarding this announcement, please contact [email protected].