Network Updates

SUMMER 2024 RELEASE GUIDE

The card networks (Visa, Mastercard, Amex, Discover, etc.) introduce and make changes to their operating rules and mandates throughout the year. Many of these changes come twice per year—in spring and fall.

These network updates typically include fee introductions or fee changes, new mandates, new features, or updates to existing features. The changes can be broad in nature and may include updates such as mandates to comply with new regulations; implementing new fees; or requiring merchants to use schemes like 3DS 2.0 to help reduce fraud.

While many of the updates require no action for merchants, some do require integration changes or force adoption of services. Additionally, some of the updates carry new or changed fees.

PayPal Braintree teams have worked together to identify the key updates for Summer 2024, and we have provided information about these updates below. We have called out the type of update (fee change, mandate, new feature/update), which network the update comes from, and the relevant market(s).

KEY SUMMER 2024 NETWORK RELEASES (click below to jump to specific update)

Scheme	Name (click to jump)	Type	Geographic Impact
Visa	Authorization Response Code Update	Behavioral	Global
	Digital Commerce Fee in APAC	Fee Change	APAC, AU
	Introduction to Small Merchant Interchange Program	Fee Change	CA
Mastercard	Revising Interregional Acquirer Cross-Border Fee and Acquiring Interregional Transaction Fee	Fee Change	EU
	Revising and Introducing Interregional Acquirer Card-Not-Present Fees mandate	Fee Change	EU
	Introducing Pricing for MDES Tokenization Services	Fee Change	EU
	Revised Excessive Authorization Attempts in Transaction Processing Excellence Program change	Behavioral Change	EU
	Extending Network Access and Brand Usage Fee	Fee Change	US
	Revising Acquirer Brand Volume Fee	Fee Change	US
	Revision of Arbitration Case Filing Fees	Fee Change	US
	Revision of Cross-Border Assessments for Select APAC Countries	Fee Change	APAC