Mastercard Mandates
Technical changes and enhancement for acquirers, issuers, processors, and vendors
| Category | Type | Published Date | Latest Published Date | Earliest Effective Date | AN Reference Number | Announcement Title | Announcement Short Description | Announcement Applies To | Affected Regions | Affected Countries | Mandate Flag | Testing Required | Action Indicators | Systems Impacted | Entitled Regions | Entitled Countries |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Rules/Standards | Bulletin announcement | 7-Jan-25 | 7-Jan-25 | 1-Oct-26 | LAC 10789.1 | LAC 10789.1 Revised Standards for Stand-In Authorization Minimum Limits in Brazil | Mastercard is requiring issuers to have minimum limits above USD 0 for credit and debit (excluding prepaid) card-not-present (CNP) transactions and debit (excluding prepaid) card-present (CP) transactions in Stand-In Authorization. | Branded Processor, Issuer, Network Enablement Partner, Processor | Latin America and the Caribbean | Brazil | Yes | No | Mandated | Authorization, Single Message System | region_latinamerica_caribbean | |
| Interchange and service fees | Bulletin announcement | 7-Jan-25 | 7-Jan-25 | 07-Apr-25, 08-Apr-25 | LAC 10911.1 | LAC 10911.1 Modifying Inter-Customer Service Fees for Gaming and Gambling Payment Transactions in Peru | Mastercard is modifying inter-customer service fees for gaming and gambling transactions to support the Gaming and Gambling Payments Program in Peru. | Acquirer, Issuer, Processor | Latin America and the Caribbean | Peru | Yes | No | Mandated | Clearing | region_latinamerica_caribbean | country_peru |
| Interchange and service fees | Bulletin announcement | 7-Jan-25 | 7-Jan-25 | 07-Apr-25, 08-Apr-25 | LAC 10909.1 | LAC 10909.1 Modifying Inter-Customer Service Fees for Gaming and Gambling Payment Transactions in Colombia | Mastercard is modifying inter-customer credit service fees to support the Gaming and Gambling Payments Program in Colombia. | Acquirer, Issuer, Processor | Latin America and the Caribbean | Colombia | Yes | No | Mandated | Clearing | region_latinamerica_caribbean | country_colombia |
| Rules/Standards | Bulletin announcement | 7-Jan-25 | 7-Jan-25 | 1-Jan-26 | AP 10790.1 | AP 10790.1 Revised Standards for Stand-In Authorization Minimum Limits for Select Countries and Territories in the Asia/Pacific Region | Mastercard is requiring issuers to have minimum limits above USD 0 for credit and debit (excluding prepaid) card-not-present (CNP) transactions and debit (excluding prepaid) card-present (CP) transactions in Stand-In Authorization. | Branded Processor, Issuer, Network Enablement Partner, Processor | Asia/Pacific | Select countries and territories | Yes | No | Mandated | region_asiapacific | ||
| Rules/Standards | Bulletin announcement | 7-Jan-25 | 7-Jan-25 | 7-Jan-25 | LAC 10900.1 | LAC 10900.1 Revised Standards Related to the Imposition of Noncompliance Assessments in Chile | Mastercard is revising the Standards in the Mastercard Rules applicable for customers in Chile related to the imposition of noncompliance assessments. | Acquirer, Branded Processor, Issuer, Network Enablement Partner, Processor | Latin America and the Caribbean | Chile | Yes | No | Mandated | region_latinamerica_caribbean | ||
| Operations | Bulletin announcement | 27-Dec-22 | 7-Jan-25 | 15-Aug-23 | AP 8223.7 | AP 8223.7 Details of all Tokenisation Circulars and Submission of System Audit Report for Tokenisation in India | The Reserve Bank of India (RBI) has issued several circulars on tokenisation since 2019 and similarly various communications were made by Mastercard. | Acquirer, Branded Processor, Issuer, Merchant, Network Enablement Partner, Processor | Asia Pacific | India | Yes | No | Mandated | region_asiapacific | ||
| Operations | Bulletin announcement | 7-Jan-25 | 7-Jan-25 | 1-Jan-25 | LAC 10881.1 | LAC 10881.1 Blocking Credit Card Transactions for Online Gambling Transactions in Brazil | Mastercard announces that it will block domestic credit card transactions on online gambling merchants in Brazil, in accordance with the regulation recently implemented in Brazil, which restricts the use of credit cards for these type of transactions. | Acquirer, Branded Processor, Issuer, Network Enablement Partner, Processor | Latin America and the Caribbean | Brazil | Yes | No | Mandated | Dual Message System: Authorization, Dual Message System: Clearing | region_latinamerica_caribbean | |
| Rules/Standards | Bulletin announcement | 7-Jan-25 | 7-Jan-25 | 01-Jan-26, 01-Oct-26 | LAC 10772.1 | LAC 10772.1 Revised Standards for Stand-In Authorization Minimum Limits for Select Countries in the Latin America and the Caribbean Region | Mastercard is requiring issuers to have minimum limits above USD 0 for credit and debit (excluding prepaid) card-not-present (CNP) transactions and debit (excluding prepaid) card-present transactions in Stand-In Authorization. | Branded Processor, Issuer, Network Enablement Partner, Processor | Latin America and the Caribbean | Select countries and territories | Yes | No | Mandated | Authorization, Single Message System | region_latinamerica_caribbean | |
| Rules/Standards | Bulletin announcement | 7-Jan-25 | 7-Jan-25 | 15-Jan-26 | EUR 10770.1 | EUR 10770.1 Revised Standards for Stand-In Authorization Minimum Limits for Select Countries the Europe Region | Mastercard is requiring issuers to have minimum limits above USD 0 for credit and debit (excluding prepaid) card-not-present (CNP) transactions and debit (excluding prepaid) card-present (CP) transactions in Stand-In Authorization. | Branded Processor, Issuer, Network Enablement Partner, Processor | Europe | Select countries and territories | Yes | No | Mandated | Authorization, Single Message System | region_europe | |
| Interchange and service fees | Bulletin announcement | 14-Jan-25 | 14-Jan-25 | 10-Jul-25, 11-Jul-25 | AP 10851.1 | AP 10851.1 Introducing an Acceptor Business Program in the Philippines | Mastercard is introducing a new acceptor business (AB) program to the Philippines intracountry interchange structure. | Acquirer, Issuer, Processor | Asia/Pacific | The Philippines | Yes | No | Mandated | Clearing | country_philippines | |
| Operations | Bulletin announcement | 28-Mar-23 | 14-Jan-25 | 01-May-23, 31-Mar-25 | GLB 7602.3 | GLB 7602.3 Mastercard Global File Transfer Configuration Update - Decommission of Static IP Addresses | Effective 31 March 2025, Mastercard will decommission old IP addresses that do not ensure redundancy and safeguard File Transfer Services during a disaster recovery event. | Acquirer, Branded Processor, Issuer, Merchant - Merchant Connect, Network Enablement Partner, Processor | Global | Yes | No | Mandated | Clearing | |||
| Rules/Standards | Bulletin announcement | 14-Jan-25 | 14-Jan-25 | 11-Apr-25 | GLB 10930.1 | GLB 10930.1 Revised Chargeback Standards for Goods or Services Not Received Disputes | Mastercard will expand an acquirer's second presentment options in response to a cardholder's claim that merchandise was not received. | Acquirer, Branded Processor, Issuer, Network Enablement Partner, Processor | Global | Yes | No | Mandated | ||||
| Security | Bulletin announcement | 9-Jan-24 | 14-Jan-25 | 15-Jan-25 | GLB 1157.1 | GLB 1157.1 January 2025 Vendors for Card Production Services Monthly Edition | Mastercard publishes a monthly edition of the Certified Vendors (for Card Production Services of Any Mastercard, Maestro, or Cirrus Card) list in AN 1157 Vendors for Card Production Services Monthly Edition to identify vendors certified for card production services. | Branded Processor, Issuer, Network Enablement Partner, Processor, Vendor – Global Vendor Certification Program | Global | Yes | No | Mandated | ||||
| Interchange and service fees | Bulletin announcement | 17-Jan-23 | 14-Jan-25 | 28-Feb-23, 01-Mar-23 | AP 7232.2 | AP 7232.2 Announcing a New Micro Merchant Intracountry Interchange Program in Vietnam | Mastercard is announcing a new micro merchant program in Vietnam. | Acquirer, Issuer, Processor | Asia/Pacific | Vietnam | Yes | No | Financial, Mandated | Clearing | country_vietnam | |
| Interchange and service fees | Bulletin announcement | 14-Jan-25 | 14-Jan-25 | 10-Jul-25, 11-Jul-25 | AP 10862.1 | AP 10862.1 Modifying Incentive Interchange Rates for Contactless Transit Transactions in the Philippines | Mastercard is modifying incentive interchange rates for contactless transit transactions in the Philippines. | Acquirer, Issuer, Processor | Asia/Pacific | Philippines | Yes | No | Financial, Mandated | Clearing | country_philippines | |
| Operations | Bulletin announcement | 14-Jan-24 | 14-Jan-25 | 31-May-25, 30-Jun-25 | AP 11019.1 | AP 11019.1 Pay by Account Data Center Migration in the Asia/Pacific Region | Mastercard is migrating the Zapp Platform (that is, the data messaging platform which underpins Pay by Account) from its UK data center to a Mastercard data center located in India. | Branded Processor, Issuer, Network Enablement Partner, Processor | Asia/Pacific | Yes | No | Mandated | None | region_asiapacific | ||
| Operations | Bulletin announcement | 14-Jan-25 | 14-Jan-25 | 23-Jan-25, 04-Feb-25 | GLB 11027.1 | GLB 11027.1 MDES Inbound Domain Certificate Authority Migration from Entrust to DigiCert | Mastercard is changing the certificate authority (CA) from Entrust CA to DigiCert CA to meet security standards in the Mastercard Test Facility (MTF) and Production environments for the Mastercard Digital Enablement Service (MDES) inbound domains. | Acquirer, Branded Processor, Digital Service Provider, Engage Partner, Issuer, Merchant - Merchant Connect, Network Enablement Partner, Processor | Global | Yes | No | Mandated | ||||
| Operations | Bulletin announcement | 21-Jan-25 | 21-Jan-25 | 01-Apr-25, 11-Apr-25 | GLB 10918.1 | GLB 10918.1 Enhancements to Account Level Management and Universal Specification to Support the Commercial Flexible Interchange | Mastercard is enhancing Account Level Management (ALM) Product Graduation Plus and the Universal Specification to support commercial flexible interchange programs by allowing issuers to manage the Product Graduation Plus service at a more granular level across more data attributes. | Branded Processor, Issuer, Network Enablement Partner | Global | Yes | No | Mandated | Account Management System | |||
| Security | 9-Jan-24 | 9-Jan-24 | 15-Jan-24 | AN 1157 | AN 1157 Vendors for Card Production Services Monthly Edition | Mastercard publishes a monthly edition of the Certified Vendors (for Card Production Services of Any Mastercard, Maestro, or Cirrus Card) list in AN 1157 Vendors for Card Production Services Monthly Edition to identify vendors certified for card production services. | Global | Yes | No | Brand Mandate, Program or service requirement | ||||||
| Operations, Rules/Standards | 9-Jan-24 | 9-Jan-24 | 15-Jan-24 | AN 8817 | AN 8817 Revised Standard for Merchant Logo Requirement and Other Public Information | Mastercard is enhancing an existing Standard relating to its use of merchant business logos and other publicly available merchant information, such as physical business locations, contact information, and sales policies | Global | Yes | No | Brand Mandate | ||||||
| 16-Jan-24 | 16-Jan-24 | 19-Jul-24 | AN 8310 | AN 8310 Enhancing Intracurrency Settlement Process in the Middle East/Africa Region | Mastercard is enhancing the settlement process for Single Message intracurrency activity. | Middle East/Africa | Yes | No | Network mandate, Testing recommended | Clearing, Single Message System | ||||||
| 17-Oct-23 | 16-Jan-24 | 12-Apr-24 | AN 7719 | AN 7719 Release 24.Q2 Miscellaneous Core Systems Updates | This announcement describes the miscellaneous core system changes that will occur with Release 24.Q2. | Global | Yes | No | Network mandate, Attention warranted (program/service-related), Testing recommended | Clearing, Single Message System | ||||||
| Interchange and service fees | 16-Jan-24 | 16-Jan-24 | 18-Oct-24, 19-Oct-24 | AN 8815 | AN 8815 Introducing the Qualified Small Businesses Interchange Program and Interchange Rates for the Canada Region | Mastercard is introducing the Qualified Small Businesses interchange program and interchange rates for the Canada region. | Canada | Yes | No | Brand mandate, Testing recommended | Clearing |
