Clearing & Settlement July 2020 Card Brand Enhancements: Interchange Program Enhancements

Business Impacts

Merchant portfolios may need be reviewed to prepare profitability models that support these interchange rate changes.

Mastercard

Canada Region

Enhancements to Interregional Interchange Programs

Mastercard is enhancing interregional interchange programs for the Canada region and is reclassifying consumer credit product code MSP-Muse Mastercard to Consumer Super Premium, in addition to expanding Canada acquiring to consumer Super Premium products.

IRD	IQSTA	IC Level	Fee Program Name (PPM Description Name	MAS and TSYS Express Fee Descriptor
EE	4113	2H5	MC Interregional Super Prem Electronic	CON SUP PR EL
EE	11785	2QL	MC Intl Super Prem Electronic Refund	INTCNSUPPRELRF
EF	4114	2H6	MC Interregional Super Prem Full UCAF	CON SUP PRFUC
EF	11786	2QM	MC Intl Super Prem Full UCAF Refund	CNSPPRFLUCAFRF
EM	4115	2H7	MC Interregional Super Prem Merch UCAF	CON SUP PR MUC
EM	11788	2QN	MC Intl Super Prem Merch UCAF Refund	CNSPPRMCUCAFRF
ES	6966	2H8	MC Interregional Super Prem Standard	CON SUP PR ST
ES	11789	2QO	MC Intl Super Prem Standard Refund	CNSSUPPRSTREF

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US Region

New Consumer Debit Product Code

Mastercard is introducing a new consumer debit product code, MCI-Mastercard Select Debit,in the Debit Mastercard (DMC) acceptance brand for the U.S. region and will be adding this new product code to existing interchange programs.

IRD	IQSTA	IC Level	Fee Program (PPM Description Name	Current MAS and TSYS Express Fee Descriptor
10	0508	257	MC Merit III Tier 1 Debit	MERITIII DBTR1
11	0509	258	MC Merit III Tier 2 Debit	MERITIII DBTR2
12	0510	259	MC Merit III Tier 3 Debit	MERITIII DBTR3
20	0497	250	MC Payment Transaction Debit	PAYMENT DB
24	0127	237	MC Merchant UCAF Debit	INT UCAF-MRCHT
25	0505	253	MC Small Ticket Debit	SMALL TICKETDB
26	0526	277	MC Restaurant Debit	REST DB
27	0506	254	MC Petroleum CAT/AFD Debit	PETRO/AFD DB
27	0911	2D7	MC Petroleum CAT/AFD Debit Cap	PETRO/AFDDBCAP
28	0507	255	MC Petroleum Service Station Debit	PETRO/SS DB
28	0912	2D8	MC Petroleum Service Station Debit Cap	PETRO/SSDBCAP
29	0527	256	MC Emerging Markets Debit	EMERGING MKDB
29	11315	2NT	MC Emerging Markets Education & Govt Debit	EMRG EDGOVDB
29	11316	2NU	MC Emerging Markets Education & Govt Debit CAP	EMRGEDGVDBCAP
31	0558	279	MC Consumer Debit Refund Group 1	CON DB RF GR1
32	0559	280	MC Consumer Debit Refund Group 2	CON DB RF GR2
33	0560	281	MC Consumer Debit Refund Group 3	CON DB RF GR3
79	0123	2AP	MC Full UCAF Debit	FULL UCAF DB
90	0404	247	MC Service Industries Debit	SERVICE IND DB
92	0399	243	MC Key Entered Debit	KEY ENTER DB
93	0403	246	MC Passenger Transport Debit	CONSUMER PT DB
97	0406	249	MC Travel Industries Premier Service Debit	LODG AUTO DB
70, 80	0402	245	MC Merit III Debit	MERIT III DB
71, 81	0405	248	MC Supermarket Debit	SMK2 DB
71, 81	0528	264	MC Supermarket Cap Debit	SMK DB CAP
75, 85, 95	0397	241	MC Standard Domestic Fees Debit	DOMESTIC DB
78, 88, 98	0401	244	Merit I Debit	MERIT I DB
78, 88, 98	1478	2EP	MC Merit I Debit Real Estate	MERIT 1 R-E DB
78, 88, 98	1482	2ET	MC Merit I Real Estate	MERIT 1 R-E
11163	1482	2MY	MC Merit 1 Consumer Loan MCC DB	MR1 CNSL DB
11164	1482	2MZ	MC Merit 1 Consumer Loan MCC DB MX	MR1 CNSL DB MX
LD	8298	2KE	MC US Cons Regulated POS Debit	REG DB
LF	8299	2KF	MC US Cons Regulated POS Debit w/Fraud Adj	REG DB FA
LS	8819	2KU	MC US Regulated Debit Small Ticket w/Fraud	REG DB SMLTKT
LT	8820	2KT	U.S. Regulated POS Debit Small Ticket	REG DBSMLTKTFA
LD	11097	2MM	MC Reg Debit Charities Override	CON REG CHR OR
LF	11098	2MN	MC Reg Debit w/Fraud Charities Override	CONREGFA CHROR
LD	11503	2OP	MC US Reg POS Debit Refund	REG DB REFUND
LF	11504	2OQ	MC US Reg POS Debit w/Fraud Refund	REG DB FA REF
LS	11505	2OR	MC US Reg POS Debit Small Ticket Refund	REGDBSMLTKT RF
LT	11506	2OS	MC US Reg POS Debit Small Ticket w/Fraud Refund	REGDBSMTKTFRRF
20	0193	235	MC Intl Consumer Payment Program	INTL PAY
20	0407	250	MC Payment Transaction Debit	PAYMENT DB
24	0127	2AM	MC Merchant UCAF Debit	MRCH UCAF DB
79	0243	238	MC Intl Full UCAF	INT UCAF-FULL
79	0123	2AP	MC Full UCAF Debit	FULL UCAF DB
73, 83	0024	203	Interregional Consumer Electronic	FOREIGN ELEC
73, 83	0023	203	MC Intl Electronic	FOREIGN ELEC
75, 85, 95	0019	204	MC Intl Standard	FOREIGN STD
75, 85, 95	0020	204	Interregional Consumer Standard	FOREIGN STD
75, 85, 95	0397	241	MC Standard Domestic Fees Debit	DOMESTIC DB

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Expanded Use of Existing Consumer Debit Product Code ACS

Mastercard is expanding the use of existing consumer debit product code ACS-Digital Debit to existing interchange programs where product code MDS-Debit Mastercard Standard exists.

IRD	IQSTA	IC Level	Fee Program (PPM Description Name	Current MAS and TSYS Express Fee Descriptor
20	0407	250	MC Payment Transaction Debit	PAYMENT DB
24	4107	2H2	MC LAC Intra CN Merch UCAF	LAC CON MUCAF
24	11794	2HX	MC LAC Intra Merchant UCAF Refund	LAC CON ISCHP
33	7513	2HX	MC LAC Intra CN ISS Chip	LAC CON ISCHP
33	11795	2QU	MC LAC Intra Consumer Issuer Chip Refund	LAC CNISSCHPRF
34	7514	2HY	MC LAC Intra CN ACQ Chip	LAC CON AQCHP
34	11796	2QV	MC LAC Intra Consumer Acquirer Chip Refund	LAC CNACQCHPRF
79	4106	2H1	MC LAC Intra CN Full UCAF	LAC CON FUCAF
79	11797	2QW	MC LAC Intra Full UCAF Refund	LACFULLUCAFREF
73, 83	7516	2H0	MC LAC Intra CN Electronic	LAC CON ELEC
73, 83	11798	2QX	MC LAC Intra Consumer Electronic Refund	LACCNSELECREF
75, 85, 95	7515	2HZ	MC LAC Intra CN Standard	LAC CON STD
41	2292	2I9	MC Canada Dom Spmk Base DB	CA SMK DB
42	2293	2JA	MC Canada Dom Spmk Tier 1 DB	CA SMK TR1 DB
43	2294	2JB	MC Canada Dom Spmk Tier 2 DB	CA SMK TR2 DB
44	2295	2JC	MC Canada Dom Big Box Base DB	CA BOX DB
45	2296	2JD	MC Canada Dom Big Box TR 1 DB	CA BOX TR1 DB
46	2297	2JE	MC Canada Dom Big Box TR 2 DB	CA BOX TR2 DB
47	2298	2JF	MC Canada Dom Petrol Base DB	CA PETRO DB
48	2299	2JG	MC Canada Dom Petrol Tier 1 DB	CA PET TR1 DB
49	2300	2JH	MC Canada Dom Petrol Tier 2 DB	CA PET TR2 DB
50	2301	2JI	MC Canada Dom SPC Clth Base DB	CA CLOTH DB
51	2302	2JJ	MC Canada Dom SPC Clth TR 1 DB	CA CLTH TR1 DB
52	2303	2JK	MC Canada Dom SPC Clth TR 2 DB	CA CLTH TR2 DB
53	2304	2HW	MC Canada Dom Standard and Non Secd Ecom DB	CAN ECOM DB
54	2305	2JL	MC Canada Dom Secd Enabled DB	CA ST SEC DB
55	2306	2JM	MC Canada Dom Other Base Debit	CA OTH DB
56	2307	2JN	MC Canada Dom Other Tier 1 DB Elec	CA OTH TR1 DB
58	2308	2JO	MC Canada Dom Other Tier 2 DB Elec	CA OTH TR2 DB
59	11388	2N4	Canada Intracountry Cons Debit Emerging Sectors	CA CNS DB EMR
59	11388	2N4	Canada Intracountry Cons Debit Emerging Sectors	CA CNS DB EMR
3U	11445	2OL	MC Canada Debit Contactless Tier 1	CA CNS DB EMR
4U	11446	2OM	MC Canada Debit Contactless Tier 2	CA CNS DB EMR
5U	11447	2ON	MC Canada Debit Contactless Tier 3	CA CNS DB EMR
C5	11390	2N6	Canada Intracountry Cons Debit Charity	CA CNS DB CHAR
C5	11391	2N7	Canada Intracountry Cons Debit Charity Override	CACNSDBCHAROVR
CR	11389	2N5	Canada Intracountry Cons Debit Recurring Payments	CA CNSDBRECPAY
G4	11387	2N3	Canada Intracountry MasterPass Debit	CA CNSMPASSDB
U4	11434	2OE	MC Canada Utilities Debit	CA UTILITY DBT
U8	11438	2OI	MC Canada Public Sector Debit	CA PUB SEC DBT

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New Mastercard Enterprise Solution Wholesale Travel Program Product Codes

Mastercard is expanding the Wholesale Travel Program by introducing 5 new commercial B2B credit product codes. These new B2B product codes will be added to existing interchange programs. The existing Wholesale Travel Program is being renamed to support the changes as Mastercard B2B Product.

IRD	IQSTA	IC Level	Fee Program (PPM Description Name	Current MAS and TSYS Express Fee Descriptor
21	0194	236	MC Intl Corporate Payment Program	INTL CORP PAY
61	0071	220	MC Intl Corporate Standard	INTL CORPORATE
61	0277	2BS	Petroleum Base	PETRO
61	0908	2D4	MC Petroleum Base Cap	PETROCAP
61	11811	2RA	MC Intl Corporate Standard Refund	INTL CORPSTDRF
20	0191	233	MC Payment Transaction Credit	PAYMENT
20	0193	235	MC Intl Consumer Payment Program	INTL PAY
21	0194	236	MC Intl Corporate Payment Program	INTL CORP PAY
24	0242	237	MC Intl Merchant UCAF	INT UCAF-MRCHT
24	0662	2AL	MC Merchant UCAF	MERCHANT UCAF
24	11779	2QG	MC Intl Merchant UCAF Refund	INT MRCHUCAFRF
52	0663	2AN	MC World Merchant UCAF	WRLD MRCH UCAF
63	0074	221	MC Intl Corporate Purchasing Standard	INTL PURCHASE
63	11812	2RB	MC Intl Corporate Purchasing Standard Refund	INTL PURCSTDRF
73, 83	0024	203	Interregional Consumer Electronic	FOREIGN ELEC
73, 83	0023	203	MC Intl Electronic	FOREIGN ELEC
73, 83	11782	2QJ	MC Intl Consumer Electronic Refund	INTCNSELECREF
75, 85, 95	0001	201	MC Standard Domestic Fees Credit	DOMESTIC SALES
75, 85, 95	0019	204	MC Intl Standard	FOREIGN STD
75, 85, 95	0020	204	Interregional Consumer Standard	FOREIGN STD
75, 85, 95	11783	2QK	MC Intl Standard Refund	INTL STD REF
31	1513	2FM	MC Puerto Rico Warehouse Credit	PR W/HOUSE CR
40	1514	2FN	MC Puerto Rico Government Credit	PR GOVT CR
60	1515	2FO	MC Puerto Rico Supermarket Credit	PR SMKT CR
70	1516	2FP	MC Puerto Rico Emerging Markets Credit	PR EMRG MKT CR
71	1517	2FQ	MC Puerto Rico Utilities Credit	PR UTILITY CR
72	1518	2FR	MC Puerto Rico Rapid Payments Credit	PR RAPIDPAY CR
76	1511	2FK	MC Puerto Rico Charities Credit	PR CHARITY CR

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Discover

New Card Product Type for the Commercial Prepaid-Reloadable for the IIN Range

Discover will implement a new Product Type value, 015, for the Commercial Prepaid-Reloadable for the Issuer Identification Number (IIN) range.