July 2020: Additional Card Brand Enhancements

Additional Visa, Mastercard, and American Express enhancements coming July 2020.

Visa

Discontinue Support of the Performance Tier 2 Program—Canada Region

Visa will no longer support the Performance Tier 2 interchange program for merchants in the Canada region. Although these programs will still be visible throughout the systems, no volume will report to these programs.

Discontinue Support of Non-CPS Consumer Credit Interchange Programs

Visa will no longer assign the Electronic and Standard interchange programs to transactions. Although these programs will be visible throughout the systems, no volume will report to these programs.

Discontinue Support of Supermarket Credit Tier Interchange Programs

Visa will no longer assign the Supermarket Performance Threshold programs. Although these programs will be visible throughout the systems, no volume will report to these programs.

Discontinue Support of Business Credit Interchange Programs

Visa will no longer assign the Business Standard fee programs for travel service and non-travel service transactions that do not meet Custom Payment Service (CPS) qualification. Although these programs will be visible throughout the systems, no volume will report to these programs.

Mastercard

Enhancements to Intracountry Interchange Programs in the Canada Region

Mastercard is enhancing the Canada domestic interchange programs by lifecycling the existing consumer credit programs and creating new ones. They are also restructuring the commercial programs by setting them up as Small Medium Enterprise, Large Market, and World Elite for Business.

Transaction Integrity Class for Interchange Rates in the U.S. Region

The Transaction Integrity Class (TIC) is used as a method of evaluating transactions to determine their class as some transactions are inherently more secure than others. It encompasses the fundamental safety and security of a transaction and considers the differences between the technology used and the Cardholder Verification Method (CVM) used to assess the validity of both the card and the cardholder to determine the overall integrity of the transaction.

Mastercard currently provides the TIC value in the authorization for point-of-sale (POS) purchase and purchase with cash back for most transactions initiated in the U.S. region. Mastercard requires the TIC field to be part of the authorization response (as of April 2016). TSYS Acquiring Solutions already supports the TIC throughout our authorization and clearing processing platforms.

Effective April 17, 2020, Mastercard will require the TIC to be present on clearing messages and will be including it in their interchange edits. When an invalid TIC is provided by merchants or acquirers for a U.S. domestic transaction, the transaction will be rejected by Mastercard with error message 2819. At this time, approximately 50 percent of all Mastercard volume processed on our clearing platform does not include the TIC.

Electronic Commerce Security Level Indicators for the Mastercard Identity Check Program

Mastercard has updated electronic commerce security level indicators (ECSLI) values for the Mastercard Identity Check Program. This includes a new security level indicator (SLI) value for the EMV 3-D Secure (3DS) specification.

American Express

New Amex Error Messages

Amex will implement new error messages for 2077 and 2078. TSYS Acquiring Solutions will update MAS, PPM, and e-Connections to support the new error messages.

Country Code and Country Name Changes

Amex will revise a country code and a country name to match ISO standards.

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