This is an acquirer mandate, below values are sent to the merchant in response, in case the merchant decides to control them.
https://paymentknowledgebase.com/display/PS/Nedbank+via+Postilion+Integration+Sheet
List of Mandates Applicable for Card Connectors (more details here)
| Mandates | Supported | Comments and Approval Certificate, if the case | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Visa/ Mastercard Acquirer Merchant Advice Code |  | This is an acquirer mandate, below values are sent to the merchant in response, in case the merchant decides to control them. For both Visa and Mastercard brand families, the Acquirer Merchant Advice Code is received by the merchant in the field "resultDetails.MerchantAdviceCode", with the below possible values:
|
https://paymentknowledgebase.com/display/PS/Mandates
Here is a list of Mandates applicable for Card Connectors (for further details, check each Connector Integration Sheet).
VISA
| Mandate/ Announcement | Region | Effective date | Overview | Mandate materials |
|---|---|---|---|---|
| Mandate/ Announcement | Region | Effective date | Overview | Mandate materials |
| Visa Support Will End After October 2023 for Interim Transaction Identifier Issued in EEA and UK for PSD2 Regulatory Requirements Relative to MITs | EEA & UK Global | As previously announced, effective April 22, 2022, Visa will launch the Visa Network Merchant-Initiated Transaction (MIT) Service, which assists merchants and acquirers in managing the Original Transaction Identifier requirements for processing MITs. Any merchant or acquirer still using an Interim Transaction Identifier to indicate transactions as MITs may consider the use of this service to enable their migration towards the use of valid transaction identifiers. Merchants that already follow the MIT framework may also consider this new service to optimize processing of MITs. Notably for issuers, effective July 15, 2022 Visa, will implement changes to allow issuers to subscribe and receive value-added data associated with the Original Transaction Identifier sent in MITs processed by the Network MIT Service. This value-added data can be used to specify the card validation and cardholder authentication result of the initial transaction. More details can be found in the attached Visa Business News. | ||
| Visa Will Discontinue Support of 3-D Secure 1.0.2 | Global |
| Effective October 15, 2022, Visa will discontinue support of 3-D Secure 1.0.2 and related technology. | |
| Visa 8-digit BIN | Global |
| Visa is updating the applications and systems to accommodate eight-digit BINs in addition to the current six-digit BINs. Visa will start re-assigning existing and issuing new eight-digit BINs to card issuers from 22 April 2022. | |
New Message Purchase Return Authorization (Online Refunds) | Global except Europe Europe | Refund transactions to a VISA card do not involve issuer authorization, and such authorization requests are only rarely submitted by merchants. To encourage faster refund processing and reduce refund-related customer service burdens on merchants, acquirers, and issuers, VISA is introducing refund authorization support to the VISA network. | AI09079 Clarifications & Risk Mitigation.pdf AI09311 Credit Voucher & Merchandise 09.2019.pdf AI09312 Stand-In Processing.pdf Credit Voucher & Merchandise 12.2019.docx Improve the Customer Return Process.pdf Merchandise-return-guide 01.2020.pdf AI09882_Visa Operational Business Response to COVID19 (26Mar2020).pdf | |
| Visa Secure Root Certificate Update | Global | Visa Secure Access Control Server (ACS), Merchant Plug-in (MPI), 3DS Server (3DSS), and 3DS Software Development Kit (SDK) endpoints use digital certificates for authentication during a Visa Secure online transaction. The Visa Certificate Authority (CA), which issues the digital certificates used, updates the root certificate due to the expiration of the current eCommerce (G1) certificate chain. This change applies to Visa Secure endpoints using 3DS 1.0.2 and EMV® 3DS. | ||
| Visa 8 digit BIN | Global | Visa is updating the applications and systems to accommodate eight-digit BINs in addition to the current six-digit BINs. Visa will start reassigning existing and issuing new eight-digit BINs to card issuers from April 22, 2022. | ||
| Visa will discontinue support of 3DS1 Attempts | Global | Visa will stop support of 3DS 1.0.2 Visa Attempts Access Control Server (AACS) for non-participating issuers. If a merchant attempts 3DS 1.0.2 authentication with a non-participating issuer, the transaction will be considered as ECI 07. If the issuer continues to support 3DS 1.0.2 beyond this date, then 3DS 1.0.2 authentication attempts will continue to work. | ||
| 3D SECURE updates 2.2 | 3DS 2.0 for EU 3DS 2.2 for EU
| 3-D Secure is a messaging protocol that enables Cardholders to authenticate themselves with their Issuer when conducting online e-commerce transactions. The main objective of the protocol is to detect and prevent e-commerce fraud and improve the security of online card transactions. | ||
| Credential on file | Global |
| The schemes have defined mandatory rules and processing specifications for transactions performed using stored card details. This is to increase transparency, consistency, and approval rates for credential-on-file (COF) transactions. The schemes have introduced new identifiers for these transactions. | |
| Mandates implemented by customer request because the impact is limited to a small category of merchants/ transaction types | ||||
| AI12109 Changes to Support the Recurring Payment Transaction Mandate for Cards Issued in India | Global |
| Visa will implement changes to support the processing of domestic and cross-border recurring payment transactions for cards issued in India. The changes are mandatory for MDEX endpoints, and acquirers with merchants world wide that offer recurring payments, and for all issuers in India. | |
| AI10936 Partial Authorization Participation Requirements | Brazil Dominican Republic El Salvador Guatemala Panama Puerto Rico All other LAC countries | Visa’s Partial Authorization Service provides an alternative to declining a transaction when the card’s available balance is not sufficient to approve a transaction in full. | AI10936.pdf | |
| AI08978 - Visa is introducing the Acquirer Merchant Advice Code | Global |
| For decline code in Category 1 (Issuer will never approve), the merchant is not permitted to reattempt the transaction. In this category, the second attempt will lead to a fee. | |
| AI10155 Visa New Deferred Authorization (VDA) Message Reason Code for Token Transactions | Global |
| Deferred authorization occurs when a merchant cannot complete an authorization at the time of the transaction with the cardholder due to connectivity, systems issues, or other limitations, and then later completes the authorization when it is able to do so. The deferred authorization mandate is applicable for POS transactions. | |
| OCT (Original Credit Transaction) | Global |
| To develop opportunities in real- | |
| Visa New Indicator for Cryptocurrency | Global |
| To maintain payment system integrity, acquirers must properly identify transactions involving the purchase of cryptocurrency. This change introduces a new processing attribute into authorization messages and clearing transactions to provide issuers greater visibility into transactions that involve the purchase of cryptocurrency. This change provides additional detail to allow stakeholders in the payment value chain to more effectively manage risk and fraud. | |
| Visa Payment Account References (PAR) | Europe |
| To align with global requirements, each Visa primary account number issued in the Europe region will be required to have an associated PAR. | |
Mastercard
| Mandate/ Announcement | Region | Effective date | Mandate summary | Mastercard Details |
|---|---|---|---|---|
| Mastercard Identity Check Program Letter of Compliance Framework and Sunset of EMV 3DS version 2.1.0 | Global |
| Mastercard is implementing the Identity Check Letter of Compliance (LOC) Framework. | |
| Mastercard Customer Roadmap to Transition from 3DS 1.0 to EMV 3DS (2.0) - 3DS 1.0.2 Sunsetting | Global |
| Mastercard is providing an update and confirmation to its plan to transition all customers to EMV 3-D Secure (3DS) prior to the decommission date of 3DS 1.0. All customers must begin their transition to the new specification version immediately to ensure no transaction impact. Mastercard will continue to support 3DS 1.0 transactions on the Mastercard Authentication Network up until the final decommission date. There are no changes to our 3DS liability shift rules with this announcement. Liability shift rules will continue to apply to both EMV 3DS and 3DS 1.0 transactions as they do today. Refer to the Chargeback Guide for more information about the 3DS liability shift. | |
| Mastercard Credential on File - CIT/MIT Indicators | USA Global | In essence, Mastercard asks merchants to send a set of CIT and MIT indicators for each COF scenario. In addition, Mastercard starts differentiating two flavors of recurring payments: Standing Order (fixed frequency, variable amount) and Subscription (fixed frequency, fixed amount). Each of them requires its own indicator value. | ||
| Mastercard 8-digit BIN | Global |
| Mastercard is updating the applications and systems to accommodate eight-digit BINs in addition to the current six-digit BINs. Mastercard will start reassigning existing and issuing new eight-digit BINs to card issuers from April 22, 2022. | |
| New Message Purchase Return Authorization (Online Refunds) | Global (Except UK & Ireland UK &Ireland | Refund transactions to a Mastercard card do not involve issuer authorization, and such authorization requests are only rarely submitted by merchants. To encourage faster refund processing and reduce refund-related customer service burdens on merchants, acquirers, and issuers, Mastercard is introducing refund authorization support to the Mastercard network. This is optional for merchants. | AN 1430 revised standards 12-19-2019.pdf Revised Standards Online Authorization Refund.pdf | |
| AN 3391 Mastercard will discontinue support of 3DS1 Attempts | Global |
| Mastercard will decommission its 3DS1 Attempts. Issuers that still want to support Attempts must generate from their own ACS solution. 3DS 1.0 fully authenticated transactions will continue to be supported. | |
| 3D SECURE updates 2.2 | 3DS 2.0 for EU
| 3-D Secure is a messaging protocol that enables Cardholders to authenticate themselves with their Issuer when conducting online e-commerce transactions. The main objective of the protocol is to detect and prevent e-commerce fraud and improve the security of online card transactions. | ||
| Credential on file | Global |
| The schemes have defined mandatory rules and processing specifications for transactions performed using stored card details. This is to increase transparency, consistency, and approval rates for credential-on-file (COF) transactions. The schemes have introduced new identifiers for these transactions. | |
| Mandates implemented by customer request because the impact is limited to a small category of merchants/ transaction types | ||||
| AN 6038 Mastercard Send Funding and Payment Transaction Enhancements | Global |
| Mastercard is enhancing Mastercard Send funding and payment transactions for MoneySend, Gaming and Gambling, and Mastercard Merchant Presented QR (MPQR) payments | |
| AN 6022 Introduction and Standardization of Transaction Data Elements | Global | (IPM MPE changes for Dual Message (Clearing) ) Dual Message System (Authorization), Dual Message (Clearing), Single Message. | Mastercard is introducing new data elements to align systems and prepare for future payments enhancements, standardizing requirements for key transaction data elements, and updating data element labels. Acquirers globally must prepare their systems to:
| |
| AN 6055 Processing Enhancements for Recurring Payment Transactions in India | Global |
| Mastercard will implement changes to support the processing of domestic and cross-border recurring payment transactions for cards issued in India. The changes are mandatory for acquirers with merchants worldwide that offer recurring payments, and for all issuers in India. | |
| AN 6468 Announcing Issuer SCA Delegation in Remote Commerce Token Transactions for the Europe Region | Europe |
| Mastercard is announcing the sunset of the Authentication Express | |
| AN 6014 / 6094 Revised Standards for Purchase Account Status Inquiry Messages | Global |
| Mastercard is revising its standards relating to Purchase Account Status | |
| AN 5519 Mastercard Send Enhancement for the MoneySend and Funding Programs and Gaming and Gambling Payments Program | Global |
| Mastercard is extending support of the Mastercard Gaming and Gambling Payments Program globally where such a program is permissible. Mastercard is also reiterating and clarifying standards regarding the definition of area of use specific to the Mastercard Send product. | |
| AN 6094 / 6014 Revised Standards for Purchase Account Status Inquiry Messages | Global |
| Acquirers must ensure all authorization request messages sent by the acquirer or a merchant for an account validation with a zero amount are properly identified as ASI messages. This bulletin announcement applies to customers globally, with the exception of customers in the European Economic Area (EEA) countries, United Kingdom, and Gibraltar which should refer instead to AN 6094 Revised Standards for Purchase Account Status Inquiry Messages for the EEA Countries, United Kingdom, and Gibraltar. | |
| AN5862 / 5528 / 5842 Introducing Mastercard Installment Payment Product Codes | UK |
| Mastercard has introduced the Mastercard Installments Program to provide consumers with the flexibility to split the cost of a purchase into equal installments. By default, Mastercard will enable all merchants in the United Kingdom to participate in the Mastercard Installments Program with no enrollment, registration, or technical work required. Merchants may choose to opt out of the Mastercard Installments Program or rejoin the program at any time by informing their acquirer. | |
| AN 5796 - Updated Error Codes and Messages for In Control for Commercial Payments API and In Control for Business Travel | Global |
| Mastercard is updating error codes and messages in the In Control for | |
| AN 6042/ 4810 / AN 4853 / AN 4536 / AN 2921 - Mastercard is introducing the Acquirer Merchant Advice Code - Decline Reason Code | Global |
| Mastercard is introducing the Acquirer Merchant Advice Code. This incurs higher fees for the CNP transactions declined with a MAC value of 03 or 21, where in the past 30 days a transaction on the same card, at the same merchant, and with the same transaction amount was declined with MAC 03 or 21. | |
| AN 4224 / AN 4615 Mastercard New Merchant Country of Origin | Global |
| Mastercard will require acquirers to include the home country code of a government-controlled merchant (for example, embassies), whether such country is the same as or different from the country in which the government-controlled merchant is located or in which the transaction occurs, in authorization and clearing messages. | |
| AN 6766/ 4670 / 3363 / 5843 - Mandatory Use of Digital Payment Data Field for Remote Commerce Transactions with Cryptograms | Global |
| Mastercard is announcing the mandatory use of data element (DE) 104 | |
| AN 3405 Mastercard Online Gambling Transactions | Global |
| Mastercard is revising rules to expand an existing mandate for online gambling to all applicable gambling card acceptor business codes (MCCs) and to provide additional options for authentication. Mastercard is updating an existing rule that requires acquirers of online gambling transactions to include the card validation code (CVC) 2 value of the Mastercard account in the authorization request message. This update is intended to promote the use of enhanced authentication tools and, in turn, reduce fraud. | |
| Mastercard High-Risk Purchase Identifier | Global |
| Mastercard creates the ability for acquirers to notify issuers when a transaction involves the purchase of a cryptocurrency or high-risk securities, when the merchant has notified them of an applicable purchase. New transaction type identifier values will be defined in an existing field that acquirers must provide to issuers in Dual Message Authorization System and Single Message System request messages involving the purchase of cryptocurrency using MCC 6051 (Quasi Cash - Merchant) or high-risk securities using 6211 (Securities - Brokers/Dealers). The new identifier values can be used only with these two MCCs, respectively. | AN 2628 High-Risk Purchase Identifier Enhancement-20190618.pdf |
| AN 4742 / 1023 / 1476 Mastercard Payment Account References (PAR) | Global |
| To align with global requirements, each Mastercard primary account number will be required to have an associated PAR. | |