Given the extreme circumstances of the novel coronavirus 2019 (COVID-19), Mastercard recognizes the importance of minimizing operational impact and complexity. As such, Mastercard will suspend the changes of the April release in its totality until 17 July 2020.
What does the change mean?
All changes initially planned to take effect April 17, 2020 will be instead implemented on July 17, 2020.
How will this affect you?
See below some of the critical changes that Mastercard has postponed.
Mandate to support purchase return authorizations
The mandate to support authorizations for refund transactions has been postponed. Effective July 17, 2020 Payvision will send an authorization request for every refund transaction. This means that merchants will receive a response code from the issuer, which in some cases could be a decline. Note that there are no technical changes to the integration. Merchants can use the same refund API call as they currently do.
Excessive fraud and chargeback merchant programs
Excessive Fraud Merchant Program
Effective April 1, 2020, program assessments will be suspended for 6 months.
Excessive Chargeback Merchant Program
Effective April 1, 2020 and for the next 4 months, Mastercard will suspend Excessive Chargeback Merchant identifications for airlines, cruise lines, passenger railways and travel agents, since most merchants in these categories have been directly impacted by travel restrictions globally.
For more info, take a look at earlier communications posted on our website:
- Revised standards for the Excessive Chargeback Program (ECP)
- Revised standards - Excessive Fraud Merchant compliance program
Digital Remote Commerce enhancements
The new cryptogram to be used in token transactions has been delayed until August 11, 2020. This new cryptogram will support the Strong Customer Authentication (SCA) requirements mandated by the European PSD2 regulation, which includes dynamically linking the transaction to an amount and a specific merchant for remote commerce transactions.
For more info on this, check the last communication posted on our website:
- July 17, 2020 – Changes initially announced in the Mastercard April release
- August 11, 2020 – New cryptogram for Mastercard token transactions