Network Updates

Mastercard Networksanchor

What is the Expansion of the Digital Enablement Fee in the US mandate?anchor

FEE CHANGE | Mastercard | US

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Effective Date: 15 April 2024

Merchant Impact

From 15 April 2024, Mastercard will revise the pricing for the Digital Enablement Fee (DEF) and charge a fixed rate of $0.40 USD for card-not-present (CNP) transactions greater than or equal to $1000 USD. The Digital Enablement Fee of 0.02% (2 basis points) with a minimum of $0.20 USD remains for transactions less than $1000 USD.

What is the Revised Excessive Authorization Attempts (CA) mandate?anchor

FEE CHANGE | Mastercard | CA

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Effective Date: 1 April 2024

Merchant Impact

From 1 April 2024, Mastercard will revise the threshold for the Excessive Authorization Attempts Transaction Processing Excellence (TPE) program in Canada, 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.


The first billing for the new Canada TPE threshold will occur on 5 May 2024.

To avoid the excessive authorization attempts TPE fees, Mastercard is recommending that acquirers immediately stop sending authorizations on the same card and same card acceptor ID, within a 24-hour period after receiving 10 consecutive decline responses, as well as to stop sending authorizations on the same card, same card acceptor, for the same amount, within a 30-day period after receiving 35 decline responses.

The applicable fee will be 0.50 USD per identified declined transaction. To avoid TPE fees, merchants should review their statements to identify TPE charges then adjust behavior to avoid these fees.

What is the CVV2 Compliance Requirements mandate?anchor


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Effective Date: 8 April 2024

Merchant Impact

Mastercard will be eliminating the Card Verification Value 2 (CVV2) verification for both card-on-file (COF) and guest checkout experiences in the Asia Pacific region. This change will apply to all Mastercard Digital Enablement Service (MDES) tokenized transactions. By leveraging tokenization and approved authentication methods available through the EMV 3-D Secure and Token Authentication Framework (TAF), consumers can complete transactions securely without the need for CVV2 verification.

No merchant action is immediately required, but they should plan for when issuers are ready to incorporate the change.