Mastercard Networks

What is the Revising Interregional Acquirer Cross-Border Fee and Acquiring Interregional Transaction Fee in Europe and Ireland, mandate?

FEE CHANGE | Mastercard | EU

Effective Date: 1 July 2024 (EU); 30 September 2024 (Ireland)

Merchant Impact

Effective 1 July 2024 in the EU and 30 September 2024 in Ireland, Mastercard is revising the interregional cross-border fee for acquirers to 75 basis points (0.75%) for select countries in Europe. The rate for the acquirer cross-border fee on intraregional transactions and, where applicable, interregional transactions that are not submitted in the local currency of the merchant, remains unchanged.

The revised fee will be applied when a merchant and issuer are in different regions and where the merchant transaction currency is not the local currency of the card.

Note: An increase for the UK has not been announced.

What is the Revising and Introducing Interregional Acquirer Card-Not-Present Fees mandate?

FEE CHANGE | Mastercard | EU

Effective Date: 1 July 2024

Merchant Impact

Effective 1 July 2024, Mastercard will raise the existing interregional acquirer card-not present fee from 5 basis points (0.05%) to 15 basis points (0.15%) in select countries in Europe (see list below). There are no changes to intraregional transactions, and the CNP fee definition remains unchanged.

Countries in Scope: Albania, Andorra, Austria, Belgium, Bosnia And Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark (Including territories), Estonia, Finland (Including territories), France (Including territories), Germany, Greece, Hungary, Iceland, Ireland, Israel, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Montenegro, Netherlands, Norway (Including territories), Poland, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland, Vatican City.

What is the Introducing Pricing for MDES Tokenization Services mandate?

FEE CHANGE | Mastercard | APAC and EU

Effective Date: 1 July 2024 (APAC); 7 October 2024 (EU)

Merchant Impact

Mastercard will introduce a fee for Token Validation and Lifecycle Services Fee via Mastercard Digital Enablement Service (MDES) in select countries in Asia Pacific (Effective 1 July 2024) and Europe (effective 7 October 2024). The fee will apply to any approved tokenized transaction.

Note: The fee is different for the Netherlands because the MDES Authentication fee does not apply to Domestic Debit E-Commerce traffic. On 5 October 2020, Mastercard introduced a domestic Debit e-commerce service fee in the Netherlands to acquirers on all authorizations of ecommerce transactions in the Netherlands using Debit/Maestro products. This fee is exclusive to the Netherlands, and it already covers the objective of the new fee, hence it is zero for CNP.

What is the Revised Excessive Authorization Attempts in Transaction Processing Excellence Program change?

BEHAVIORAL CHANGE | Mastercard | EU

Effective Date: 1 August 2024

Merchant Impact

Effective 1 August 2024, with an initial billing of 8 September 2024, Mastercard is establishing a threshold of 35 declined authorization attempts that happen on the same account number, at the same card acceptor and for the same amount, within a 30-day period. Exceeding such threshold will trigger an Excessive Authorization Attempts Transaction Processing Excellence Fee of 0.55 EUR per transaction to reinforce proper processing behavior surrounding repeated authorization declines.

To avoid the Excessive Authorization Attempts TPE Fees, Mastercard recommends that acquirers immediately:

• Stop sending authorization requests on the same card and same card acceptor ID, within a 24-hour period after receiving 10 consecutive decline responses
• Stop sending authorization requests on the same card, same card acceptor ID, for the same amount, within a 30-day period after receiving 35 decline responses

What is the Extending Network Access and Brand Usage Fee mandate?

BEHAVIORAL CHANGE | Mastercard | US

Effective Date: 15 April 2024

Merchant Impact

Effective 15 April 2024, Mastercard is extending the Network Access and Brand Usage fee (NABU) for Non-domestic Authorizations, Collection-only, and Refund/Credit transactions in the United States. This new fee for US merchants who process transactions from non-US issued cards will be $0.0295 per transaction. NABU fees—sometimes also referred to as card association fees or card brand fees—are the fees associated with processing a transaction with a card network like Mastercard.

What is the Revising Acquirer Brand Volume Fee mandate?

FEE CHANGE | Mastercard | US

Effective Date: 5 April 2024

Merchant Impact

Effective 5 April 2024, Mastercard is introducing two enhanced tools—Merchant Risk Dashboard and Small Business Credit Analytics—designed to streamline acquirers' efforts to identify and mitigate potential risks during both the initial onboarding process and daily operations. In addition, Mastercard will raise the Acquirer Brand Volume fee by 1 basis point (0.01%) to 14 basis points (0.14%.) from 13 basis points (0.13%). This updated fee will apply to all Mastercard transactions.

What is the Revision of Arbitration Case Filing Fees mandate?

FEE CHANGE | Mastercard | US

Effective Date: 1 March 2024

Merchant Impact

Effective 1 March 2024, Mastercard is raising arbitration case filing fees. See table below for more details:

What is the Revision of Cross-Border Assessments for Select APAC Countries mandate?

FEE CHANGE | Mastercard | APAC

Effective Date: 1 July 2024

Merchant Impact

Effective 1 July 2024, Mastercard is raising rates of cross border assessments in the Asia Pacific region from 45 basis points (0.45%) to 125 basis points (1.25%)