Definition

MasterCard's Transaction Processing Excellence (TPE) program offers these Merchant Advice Codes (MACs). They are a set of codes that Mastercard supports to enable issuers to communicate additional information regarding a transaction response. These codes indicate further actions on subsequent transactions that TabaPay Clients should take to continue serving cardholders.

The purpose of these TPE programs is to identify unfavorable transaction processing behavior and drive positive processing behavior change, resulting in a more seamless network experience for all parties involved.

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Program Fees

Program fees will be assessed under the MasterCard Transaction Processing Excellence (TPE program) if certain processing behaviors are breached during Authorization.

Benefits and How to Use MAC

• The ability to optimize approval rate performance.
• Lower operational costs associated with submitting unnecessary authorization requests.
• Improved management of subscription services.
• The MACs give merchants that accept non-reloadable prepaid and single-use VCN cards the opportunity to inform their customers using these products for ongoing purchases that a replacement payment source should be added to ensure uninterrupted service.

Where to Find MAC

MAC will be returned in:

• Create Transaction Response from transactions performed using a MasterCard payment credential.
• Query Card with AVS, or ANI.

{
  "SC": 200,
  "EC": "0",
  "transactionID": "TabaPay_TransactionID_",
  "network": "MasterCard",
  "networkID": "123454646545645",
  "networkRC": "00",
  "status": "ERROR",
  "approvalCode": "000000",
  "additional": {
   "par": "5001005642207382549510767179",
   "codeMAC": "02"
  }
}

{
  ...
   "bin": "222300",
    "last4": "2300",
    "nameFI": "FORD Instiution"
  },
  "AVS": {
    "avsID": "Q78rZrISCc3jeQORXlWtBg",
    "networkRC": "33",
    "networkID": "501419181602",
    "authorizeID": "181602",
    "codeAVS": "Y",
    "codeSecurityCode": "M",
    "par": "V0010013022073812195104907179",
    "codeMAC": "01",
    "ANI": {
      "codeMatch": "M",
      "codeFullName": "M",
      "codeFirstName": "M",
      "codeLastName": "M"
    }
  }
}

Note: For Query Card, the response includes Network Response Code 33: Expired card

MAC Values

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MAC 03

A MAC value of 03 is indicates that a transaction should not be resubmitted. It denotes that an account is closed or fraudulent, and that no further approvals will be forthcoming by the issuer.

Per MasterCard, there will be a fee assessed for each authorization request resubmission following a MAC 03 decline within a 30-day period.

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MAC 03 or 21

Update processing logic to avoid resubmitting transactions previously declined with a MAC value of 03 or 21.

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MAC 40

The use of consumer non-reloadable prepaid products and single-use virtual accounts have been identified as significant contributing factors for lower card-not-present (CNP) transaction approval rates, especially in cases of recurring payments.

Mastercard is enhancing its processing for consumer non-reloadable prepaid products by ensuring a MAC value is present in responses when a non-reloadable prepaid card can be identified.

Changes to Return Codes

MasterCard's Authorization Optimizer introduced three new values:
• 79 (Lifecycle [Mastercard use only])
• 82 (Policy [Mastercard use only])
• 83 (Fraud/Security [Mastercard use only])

These values replace the previously returned network response codes below:

Network Return Code and Merchant Advice Code

TabaPay Clients consuming MACs can apply the following logic to take better decision.

Examples of Network Response Code and Merchant Advice Code

The following table includes further examples of combined Network Response codes, MAC Codes, and descriptions.