Spring 2025 Card Brand Updates
This notice is to inform you that effective April 2025, qualification criteria categories may be changed.
Visa
Visa Commercial Enhanced Data Program Fee:
Effective April 11, 2025, Vis is introducing a new Commercial Enhanced Data Program (CEDP). The intention of this program is to ensure the quality of commercial level 2 and level 3 data being passed to Visa. Each transaction processed through the Commercial Enhanced Data Program will be assessed a 0.05% fee. Continuing your merchant account with us or use of your merchant account after 30 days will represent your acceptance of these terms.
Visa Extended Auth Service Fee:
Effective April 12, 2025, Visa is introducing a new extended authorization service fee of 0.08% that will apply to all approved card-not-present authorization request that includes the extended authorization indicator. Continuing your merchant account with us or use of your merchant account after 30 days will represent your acceptance of these terms.
Changes to Authorization Decline Response Codes:
Visa / Interlink will introduce two new authorization response decline codes; Transaction not Supported/Blocked by Issuer (5C) and Blocked by Cardholder/Contact Cardholder (9G). Visa will convert exiting reason codes; Invalid Transaction (12) and No Such Issuer (15) to Do Not Honor (05).
Changes to Merchant-Initiated Account Funding Transaction (AFT) Processing:
Visa is adding Credential on File and Recurring transactions options for AFT processing to the Merchant-Initiated Transaction (MIT) framework.
Expansion of the Extended Authorization Service to U.S. Acquired Transactions:
Visa will expand the support for extended authorizations allowing merchants to request a 30-day extension of the clearing to authorization period for certain cardholder-initiated Card-Not-Present (CNP) transactions. A new Extended Authorization Service fee of 0.08% will be applied.
New Indicator to Support Visa Digital Commerce Authentication Program (VDCAP):
Visa will implement a new indicator to support VDCAP for U.S. domestic card-not-present transactions. This will allow the adoption of Visa’s data-sharing and authentication solutions to improve authorization rates and reduce fraud.
Updates to CPS Programs to Support Unattended Cardholder Activated Terminal (CAT) Transactions:
Visa will modify CPS qualification requirements to allow transactions from unattended CAT, regardless of MCC or transaction amount, to qualify.
Changes to Support Visa Commercial Enhanced Data Program (CEDP) Processing:
Visa is introducing the CEDP to focus on validating high-quality invoice-level data. Visa will implement a fee of 0.05% for transactions processing through the CEDP.
Updates to Interchange Fee Programs Applicable to Visa Corporate and Purchasing Credit Transactions:
VVisa is rebranding these interchange fee programs which apply to Visa Corporate and Purchasing credit purchase transactions.
International Account Verification Price Update in Latin America/Caribbean (LAC) (April 1, 2025):
Visa will revise the International Account Verification Fees in the LAC from $0.025 to $0.06.
Mastercard
Mastercard Name Validation Service Fee:
Effective April 2025, Mastercard is introducing the name validation service fee. This $0.10 fee will be assessed when a name validation request results in a match, partial match, or no match. Continuing your merchant account with us or use of your merchant account after 30 days will represent your acceptance to these terms.
Mastercard Flex Program Fee:
Effective April 1, 2025, Mastercard is introducing the Flex Program Fee. This 0.10% fee will be assessed when a transaction is processed with a Mastercard Flex Card. Continuing your merchant account with us or use of your merchant account after 30 days will represent your acceptance to these terms.
Mastercard Acquirer Credential Continuity Program Fee:
Effective April 1, 2025, Mastercard will increase the rate from $0.03 to $0.09 per RP transaction processed with an outdated credential. Continuing your merchant account with us or use of your merchant account after 30 days will represent your acceptance to these terms.
Introducing the Mastercard Flex Program (MFP):
The new program is intended for non-travel B2B transactions to the new B2B commercial cards through a flexible interchange structure based on tiers. A new MFP fee of 0.10% will apply.
Introducing Mastercard World Elite Business Debit and Expanding Credit Product Code:
Mastercard is introducing a World Elite Business Debit product code BPE for issuers in the Europe and LAC regions. World Elite Business Credit product code MAB is being expanded to issuers in the Europe region. Both will be accepted globally for existing Interregional programs.
Introducing Mastercard Wholesale Travel Program Product Codes:
Mastercard is introducing 5 new commercial credit product codes (MBL, MBN, MBO, MBQ & MBR) for the Mastercard Wholesale Travel Program for issuance and acceptance globally.
Expanding Commercial Product Codes:
Mastercard is expanding product codes MBP & MRK for issuers in the Middle East/Africa region with acceptance globally for existing Interregional programs.
Introducing Decline Response Code Values:
Mastercard / Maestro are introducing two new decline response code values; Closed Accounts (46) and Account Not Yet Activated (72).
Enhancing the Dual Message System (Clearing) to Standardize Processing of Non-approved Authorization Requests:
Transactions settled without an approved authorization will reject with Error Number 2265. The transactions can be reauthorized prior to settlement, if the transaction received a Response Code of Approved (00), Honor with ID (08) Partial Approval (10) and Not Declined (AVI) (85) on the last attempt, the transaction would not reject.
Data Integrity Edit for Standardization of Transaction Data Elements:
Mastercard Data Integrity Edit 6, DE 43 - Acceptor Name and Location must contain the city of the physical merchant location. If the required values are not present, the transaction will not pass the data integrity edit.
Revised Card-Not-Present (CNP) Authentication Pricing for Countries in the Latin America/Caribbean Region:
Mastercard is revising the Identify Check fee from 0.05% to 0.008% (no change to max); Digital Enablement fee from 0.025% to 0.008% (no change to max) and Non-authentication fee from $0.05 to 0.016% with a max of $3.00 for CNP transactions.
Introduction of Force Post Transaction Fee for Acquirers in the LAC Regi:
Mastercard is introducing a new Force Post transaction fee for clearing transactions submitted without an approved authorization. Cross border transactions will be assessed a fee of $0.135 and domestic transactions a fee of $0.045.
Interlink
Visa / Interlink Dispute New Fees and Existing Fee Changes Effective April 2025:
Effective April 1, 2025, Visa is updating their response time frame tier billing structure. These fees are applicable when the merchant has challenged the chargeback with a rebuttal response and these fees are applicable when the merchant has accepted the chargeback respectively. The fees will be assessed as follows: 0-10 days at $1.05, 11-15 days at $1.50, 16- 20 days at $2.00, 21-25 days at $3.00, 26-30 days at $4.00. Continuing your merchant account with us or use of your merchant account after 30 days will represent your acceptance to these terms.
Discover
Updated Debt Repayment Requirements:
Discover will require the POS Data Special Condition Indicator of “D” for the Debt Repayment Interchange program.
New Multiform Authentication Layout:
Discover will allow multiple cryptograms within a single Authorization Request with Additional Authentication Result Codes for transactions including both ProtectBuy and Mobile In-App Cardholder Authentication Verification Values (CAVV.
American Express
OptBlue Program Pricing Changes:
American Express is revising the OptBlue Pricing Program for the Insurance category.
Debit Networks
INTERLINK:
Interlink is implementing changes to identify Gambling Merchant Category Codes (MCCs) and Business Application Identifiers (BAIs) to be included in domestic and cross-border Original Credit Transactions (OCTs).
MAESTRO:
Maestro is defining Transaction Purpose values for MoneySend Payment Transactions with 2 new values; Recycling Deposit Returns (17) and Value Added Payment (18) in the existing Additional reference Data field.
PULSE:
PULSE is modifying the BIN File to utilize only one CNP indicator. The CNP indicator (Field No. 30) in the BIN File will be used to identify and route all CNP traffic, including Account Funding Transfers (AFTs), Tokenized and Side-by-Side transactions.
STAR & ACEL:
The eCommerce and one – time Bill Payment – Expiration Date requirement will be required on all applicable transactions.
The Maximum Clearing Transaction Time Frame Requirement when transactions are conducted using an Authorization and Completion Message Set must be sent within the 7 days of an authorization (DE 57) for eCommerce transaction, Mail Order/ Telephone Order Transaction (where the merchandise will be shipped), Bill Payment and Purchase transaction
.
NYCE & CULIANCE:
NYCE will revise the adjustment fee from $6.00 to $8.00.
CULIANCE will revise the Bill Payment & Credit Funding interchange fee from $0.12 to $0.10
.
SHAZAM:
SHAZAM announced Elite Pass for Signature-Debit / Dual Message transaction support for eCommerce, PINLess Automated Fuel Dispenser (AFD) and Card Present Signature Retail. Dual Message eCommerce Retail support will allow for Multiple Completions to match to a single approved authorization.
SHAZAM is revising the interchange rates for Elite Pass Schedule A, B and C.
Effective April 1, 2025, SHAZAM will add a new interchange category Sure Pass Expedited Checkout (ECO). The PINless card present transactions may contain Sure Pass ECO interchange categories and a Switch fee.
SHAZAM will enhance their routing to Sure Pass and Elite Pass Tokenized transactions. This includes Tokenized eCommerce Card-on-File (COF), In-App COF and Wallet transactions when the Visa Token Vault is used and Wallet transactions when the Mastercard Token Vault is used.
Fleet / Fuel Voyager & WEX – Electric Vehicle (EV) Charging:
Fiserv will support EV Charging functionality for Voyager and WEX Network, utilizing industry standard Merchant Category Code (MCC) 5552. The item unit of measure (Kilowatt per hour) is supported in (DE) 63.
Dispute
Visa Dispute Merchant Response:
Effective April 1, 2025, Visa is updating their response time frame tier billing structure. These fees are applicable when the merchant has accepted the chargeback. The fees will be assessed as follows: 0-10 days at $0.00, 11-15 days at $0.50, 16- 20 days at $1.00, 21-25 days at $2.00, 26-30 days at $3.00. Continuing your merchant account with us or use of your merchant account after 30 days will represent your acceptance to these terms.
Visa Dispute No Acceptance:
Effective April 2025, Visa is revising the rate for the Visa Dispute No Acceptance Fee from $1.00 to $7.00. Continuing your merchant account with us or use of your merchant account after 30 days will represent your acceptance to these terms.
Visa Lost Case Filing Fee:
Effective April 2025, Visa is increasing the Lost Case Filing Fee from $500.00 to $600.00. Continuing your merchant account with us or use of your merchant account after 30 days will represent your acceptance to these termss.
Visa / INTERLINK:
Effective March 31, 2025, Visa/Interlink will consolidate the Visa Dispute Monitoring Program (VDMP) and Visa Fraud Monitoring Program (VFMP) into Visa Acquirer Monitoring Program (VAMP). VAMP will be utilizing all new criteria to determine acquirers / merchants that qualify for the program.
Effective April 1, 2025, Visa/Interlink will update their dispute process to promote quicker, more efficient resolution of disputes by updating existing/adding new Visa Resolve Online fees in the U.S. and LAC regions.
Mastercard / MAESTRO:
Mastercard / Maestro is revising standards for Cardholder Dispute reasons, requiring issuing banks to provide a reasonably specific description of the goods / services purchased that the cardholder is disputing in addition to the existing reason code requirements.
Mastercard is revising the standards for Goods and Services Not Received disputes supported through Reason Code 4853 / 53 (Cardholder Disputes).
Mastercard is revising standards for the issuing bank initiation timeframes for Pre-Arbitration and Filed Arbitration stages.
Mastercard will permit merchants to provide evidence the cardholder received a gaming credit related transaction they did not dispute previously.
Mastercard / Maestro is revising the standards for Gaming Payment related transactions for fraud Reason Code 4837 / 37 (Fraudulent Transaction – No Cardholder Authorization).
Mastercard / Maestro issuers will no longer be permitted to use Reason Code 53 (Cardholder Dispute) for face-to-face, electronically captured transactions, using the Transaction Did Not Complete reason codes.
SHAZAM:
Effective April 12, 2025, Fiserv will integrate Shazam Elite Pass reason codes and fees into our Disputes system.
Actualizaciones de las marcas de tarjetas de primavera de 2025
Este aviso es para informarte que a partir de abril de 2025, las categorías de criterios de cualificación pueden cambiar.
Visa
Visa Commercial Enhanced Data Program Fee:
A partir del 11 de abril de 2025, Visa está introduciendo un nuevo Commercial Enhanced Data Program (CEDP). La intención de este programa es garantizar la calidad de los datos comerciales de nivel 2 y 3 que se transmiten a Visa. A cada transacción procesada a través del CEDP, se le aplicará una taifa del 0.05%. La continuación de tu cuenta de comercio con nosotros, o el uso de la misma después de 30 días, representará la aceptación de estos términos.
Visa Extended Auth Service Fee:
A partir del 12 de abril de 2025, Visa introducirá una nueva tarifa de servicio de autorización extendida del 0.08% que se aplicará a todas las solicitudes aprobadas de autorización de tarjeta no presente que incluyan el indicador de autorización extendido. La continuación de tu cuenta de comercio con nosotros, o el uso de la misma después de 30 días, representará la aceptación de estos términos.
Changes to Authorization Decline Response Codes:
Visa / Interlink introducirá dos nuevos códigos de rechazo de respuesta de autorización: Transaction not Supported/Blocked by Issuer (5C) y Blocked by Cardholder/Contact Cardholder (9G). Visa convertirá los códigos de razón existentes: Invalid Transaction (12) y No Such Issuer (15) a Do Not Honor (05).
Changes to Merchant-Initiated Account Funding Transaction (AFT) Processing:
Visa está añadiendo las opciones de transacciones Credentials on File y Recurring para el procesamiento de AFT al marco de Merchant-Initiated Transaction (MIT).
Expansion of the Extended Authorization Service to U.S. Acquired Transactions:
Visa ampliará el respaldo a las autorizaciones ampliadas permitiendo a los comercios solicitar una extensión de 30 días del periodo de compensación a autorización para determinadas transacciones Card Not Present (CNP) iniciadas por el titular de la tarjeta. Se aplicará una nueva tarifa Extended Authorization Service del 0.08%.
New Indicator to Support Visa Digital Commerce Authentication Program (VDCAP):
Visa implantará un nuevo indicador para respaldar el VDCAP para transacciones domésticas en los Estados Unidos sin tarjeta presente. Esto permitirá la adopción de las soluciones de autenticación e intercambio de datos de Visa para mejorar las tasas de autorización y reducir el fraude.
Updates to CPS Programs to Support Unattended Cardholder Activated Terminal (CAT) Transactions:
Visa modificará los requisitos de calificación CPS para permitir que las transacciones realizadas desde CAT desatendidas, independientemente del MCC o del importe de la transacción, califiquen.
Changes to Support Visa Commercial Enhanced Data Program (CEDP) Processing:
Visa está introduciendo el CEDP para enfocarse en la validación de datos de factura de alta calidad. Visa implementará una tasa del 0.05% por transacciones procesadas a través del CEDP.
Updates to Interchange Fee Programs Applicable to Visa Corporate and Purchasing Credit Transactions:
Visa está cambiando el nombre de estos programas de tasas de intercambio aplicables a las transacciones de compra a crédito de Visa Corporate y Purchasing.
International Account Verification Price Update in Latin America/Caribbean (LAC) (April 1, 2025):
Visa aumentará las International Account Verification Fees en LAC de $0.025 a $0.06.
Mastercard
Mastercard Name Validation Service Fee:
A partir de abril de 2025, Mastercard introducirá la tarifa de servicio de validación de nombre. Esta tarifa de $0.10 se aplicará cuando una solicitud de validación de nombre resulte en una coincidencia total, parcial o nula. La continuación de tu cuenta de comercio con nosotros, o el uso de la misma después de 30 días, representará la aceptación de estos términos.
Mastercard Flex Program Fee:
A partir del 1 de abril de 2025, Mastercard está introduciendo la Flex Program Fee. Esta tarifa del 0.10% se aplicará cuando una transacción sea procesada con una tarjeta Mastercard Flex. La continuación de tu cuenta de comercio con nosotros, o el uso de la misma después de 30 días, representará la aceptación de estos términos.
Mastercard Acquirer Credential Continuity Program Fee:
Effective April 1, 2025, Mastercard will increase the rate from $0.03 to $0.09 per RP transaction processed with an outdated credential. Continuing your merchant account with us or use of your merchant account after 30 days will represent your acceptance to these terms.
Introducing the Mastercard Flex Program (MFP):
El nuevo programa está destinado a las transacciones B2B no relacionadas con viajes a las nuevas tarjetas comerciales B2B a través de una estructura de intercambio flexible basada en niveles. Una nueva tarifa MFP del 0.10% se aplicaráy.
Introducing Mastercard World Elite Business Debit and Expanding Credit Product Code:
Mastercard está introduciendo un código de producto World Elite Business Débito BPE para emisores en las regiones de Europa y LAC. El código de producto World Elite Business Credit MAB se extiende a los emisores de la región europea. Ambos serán aceptados globalmente para los programas interregionales existentes.
Introducing Mastercard Wholesale Travel Program Product Codes:
Mastercard está introduciendo 5 nuevos códigos de producto de crédito comercial (MBL, MBN, MBO, MBQ y MBR) para el Mastercard Wholesale Travel Program para su emisión y aceptación a nivel global.
Expanding Commercial Product Codes:
Mastercard está expandiendo los códigos de producto MBP y MRK para los emisores de la región de Oriente Medio/África con aceptación global para los programas interregionales existentes.
Introducing Decline Response Code Values:
Mastercard / Maestro están introduciendo dos nuevos valores de código de respuesta de rechazo; Closed Accounts (46) y Account Not Yet Activated (72).
Enhancing the Dual Message System (Clearing) to Standardize Processing of Non-approved Authorization Requests:
Las operaciones liquidadas sin una autorización aprobada se rechazarán con el Error Number 2265. Las transacciones se pueden volver a autorizar antes de la liquidación, si la transacción recibió uno de estos códigos Response Code of Approved (00), Honor with ID (08), Partial Approval (10), and Not Declined (AVI) (85) en el último intento, así la transacción no se rechazará.
Data Integrity Edit for Standardization of Transaction Data Elements:
Mastercard Data Integrity Edit 6, DE 43 - Acceptor Name y Location deben contener la ciudad de la ubicación física del comercio. Si los valores requeridos no están presentes, la transacción no pasará la edición de integridad de datos.
Revised Card-Not-Present (CNP) Authentication Pricing for Countries in the Latin America/Caribbean Region:
Mastercard está aumentando la tarifa Identify Check de 0.05% a 0.008% (sin cambio al máximo); la tarifa Digital Enablement de 0.025% a 0.008% (sin cambio al máximo) y la tarifa Non-authentication de $0.05% a 0.016% con un máximo de $3.00 para transacciones de tarjeta no presente (CNP).
Introduction of Force Post Transaction Fee for Acquirers in the LAC Regi:
Mastercard está introduciendo una nueva tarifa de transacción Force Post para transacciones de compensación enviadas sin una autorización aprobada. A las transacciones transfronterizas se les aplicará una comisión de $0.135 y a las transacciones domésticas una comisión de $0.045.
Interlink
Visa / Interlink Dispute New Fees and Existing Fee Changes Effective April 2025:
A partir del 1 de abril de 2025, Visa está actualizando su estructura de facturación por niveles de tiempos de respuesta. Estas tarifas son aplicables cuando el comercio ha impugnado el contracargo con una respuesta de refutación y cuando el comercio ha aceptado el contracargo respectivamente. Las tarifas se cobrarán de la siguiente manera: 0-10 días a $1.05; de 11-15 días a $1.50; de 16- 20 días a $2.00; de 21-25 días a $3.00; de 26-30 días a $4.00. La continuación de tu cuenta de comercio con nosotros o el uso de la misma después de 30 días representará la aceptación de estos términos.
Discover
Updated Debt Repayment Requirements:
Discover requerirá el POS Data Special Condition Indicator de «D» para el programa Debt Repayment Interchange.
New Multiform Authentication Layout:
Discover permitirá múltiples criptogramas dentro de una única Authorization Request con Additional Authentication Result Codes para transacciones que incluyan tanto ProtectBuy como Mobile In-App Cardholder Authentication Verification Values (CAVV).
American Express
OptBlue Program Pricing Changes:
American Express está revisando su programa OptBlue Pricing Program para la categoría de Insurance.
Debit Networks
INTERLINK:
IInterlink está implementando cambios para identificar los códigos Gambling Merchant Category Codes (MCCs) y Business Application Identifiers (BAIs) para ser incluidos en las Original Credit Transactions domésticas y transfronterizas.
MAESTRO:
Maestro está definiendo los valores Transaction Purpose para las MoneySend Payment Transactions con 2 nuevos valores; Recycling Deposit Returns (17) y Value Added Payment (18) en el campo Data existente de referencia Additional.
PULSE:
PULSE está modificando el BIN File para utilizar sólo un indicador CNP. El indicador CNP (Field nº 30) del BIN File se utilizará para identificar y encaminar todo el tráfico CNP, incluidas las transferencias Account Funding Transfers (AFTs), Tokenized y transacciones Side-by-Side.
STAR & ACEL:
El requisito de Expiration Date para eCommerce y one-time Bill Payment será requerido en todas las transacciones aplicables.
El Maximum Clearing Transaction Time Frame Requirement cuando las transacciones son conducidas utilizando un Authorization and Completion Message Set deben ser enviadas dentro de los 7 días de una autorización (DE 57) para transacciones de eCommerce, Mail Order/Telephone Order Transaction (donde la mercancía será enviada), Bill Payment y transacción Purchase.
NYCE & CULIANCE:
NYCE aumentará la tarifa de ajuste de $6.00 a $8.00.
CULIANCE aumentará la tarifa Bill Payment & Credit Funding de $0.12 a $0.10.
SHAZAM:
SHAZAM ha anunciado Elite Pass para respaldar transacciones Signature-Debit/Dual Message para eCommerce, PINLess Automated Fuel Dispenser (AFD) y Card Present Signature Retail. El respaldo del Dual Message eCommerce Retail permitirá que Multiple Completions sean coincididos con una única autorización aprobada.
SHAZAM está revisando las tarifas de intercambio para Elite Pass Schedule A, B y C.
A partir del 1 de abril de 2025, SHAZAM añadirá una nueva categoría de intercambio: Sure Pass Expedited Checkout (ECO). Las transacciones con tarjeta presente PINless, podrán contener categorías de intercambio Sure Pass ECO y una tarifa Switch.
SHAZAM mejorará su enrutamiento a transacciones Sure Pass y Elite Pass Tokenized. Esto incluye las transacciones Tokenized eCommerce Card-on-File (COF), In-App COF y Wallet cuando Visa Token Vault y Mastercard Token Vault son utilizadas.
Fleet / Fuel Voyager & WEX – Electric Vehicle (EV) Charging:
Fiserv respaldará la funcionalidad EV Charging para Voyager y WEX Network, utilizando el código estándar de la industria Merchant Category Code (MCC) 5552. La unidad de medida del artículo (Kilowatt por hora) está respaldada en (DE) 63.
Dispute
Visa Dispute Merchant Response:
A partir del 1 de abril de 2025, Visa está actualizando su estructura de facturación por niveles de tiempos de respuesta. Estas tarifas se aplicarán cuando el comercio haya aceptado el contracargo. Las tarifas se cobrarán de la siguiente manera: 0-10 días a $0.00; de 11-15 días, a $0.50; de 16- 20 días a $1.00; de 21-25 días a $2.00; de 26-30 días a $3.00. La continuación de tu cuenta de comercio con nosotros, o el uso de la misma después de 30 días, representará la aceptación de estos términos.
Visa Dispute No Acceptance:
A partir de abril de 2025, Visa aumentará la tarifa Visa Dispute No Acceptance de $1.00 a $7.00. La continuación de tu cuenta de comercio con nosotros, o el uso de la misma después de 30 días, representará la aceptación de estos términos.
Visa Lost Case Filing Fee:
A partir de abril de 2025, Visa aumentará la tarifa Visa Lost Case Filing Fee de $500.00 a $600.00. La continuación de tu cuenta de comercio con nosotros o el uso de la misma después de 30 días representará la aceptación de estos términos.
Visa / INTERLINK:
A partir del 31 de marzo de 2025, Visa/Interlink consolidará el Visa Dispute Monitoring Program
(VDMP) y el Visa Fraud Monitoring Program (VFMP) en el Visa Acquirer Monitoring Program (VAMP). VAMP utilizará todos los nuevos criterios para determinar los adquirentes / comercios que califiquen para el programa.
A partir del 1 de abril de 2025, Visa/Interlink actualizará su proceso de disputas para promover una resolución más rápida y eficiente de las mismas mediante la actualización de las tarifas existentes y adición de nuevas tarifas Visa Resolve Online en las regiones de Estados Unidos y LAC.
Mastercard / MAESTRO:
Mastercard / Maestro está revisando los estándares para las razones de la Cardholder Dispute, requiriendo a los bancos emisores que proporcionen una descripción razonablemente específica de los bienes / servicios comprados que el titular de la tarjeta está disputando, además de los requerimientos de código de razón existentes.
Mastercard está revisando los estándares para las disputas de Goods and Services Not Received respaldadas a través de Reason Code 4853 / 53 (Cardholder Disputes).
Mastercard está revisando los estándares para los plazos de iniciación del banco emisor para las etapas de Pre-Arbritration y Filed Arbitration.
Mastercard permitirá a los comercios aportar pruebas de que el titular de la tarjeta recibió una transacción de crédito de juego que no había impugnado anteriormente.
Mastercard / Maestro está revisando los estándares para las transacciones Gaming Payment por fraude con Reason Code 4837 / 37 (Fraudulent Transaction – No Cardholder Authorization).
Los emisores de Mastercard / Maestro ya no podrán utilizar el Reason Code 53 (Cardholder Dispute) para transacciones presenciales, transacciones capturadas electrónicamente, utilizando los códigos de razón Transaction Did Not Complete
.
SHAZAM:
A partir del 12 de abril de 2025, Fiserv integrará los códigos de razón y tarifas de Shazam Elite Pass en nuestro sistema de Disputas.