Card Brand Changes

Read important card brand changes, which will have an impact on how you process your Visa and Mastercard transactions.

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VISA: Transaction Receipt Changes

6 January 2020

Visa has announced a series of changes to its rules and requirements regarding the provision of transaction receipts. These are aimed at streamlining requirements to bring them up to date with market needs and best practice.

VISA: Promotions and Free Trials

6 January 2020

From April 18, 2020 Visa is updating its rules related to transactions for merchants that offer free trials or introductory offers as part of an ongoing subscription service.

VISA & MASTERCARD: Revised Contactless Limits

6 January 2020

Visa and Mastercard are making some changes to the Contactless (CVM) Limit. This is the point at which PIN verification becomes required.

VISA Reminder: Sales Tax Rebates

6 January 2020

This is a reminder to all customers wishing to return tax payments to qualifying consumers that the refund transaction type should not be used for the return of sales tax to cardholders. The refund transaction type can only be used to correct a sale.

ALL CARD BRANDS Reminder: 8-digit BINs (Industry readiness)

6 January 2020

To overcome a shortage of available numbers, starting in April 2022, all card schemes are working towards expanding the available ranges by instigating an 8-digit BIN code across their networks.

ALL CARD BRANDS Reminder: Everyday BIN table management

6 January 2020

Maintaining updated BIN range tables is vital for authorisation routing and fraud detection. Failure to update BIN tables can impact the profitability of your business, as consumers will be unable to make purchases using valid cards.

Card brand and regulatory changes: October 2020

20 August 2020

As your payments partner, we are committed to keeping you up to date with industry changes and card-brand developments. There are 11 updates and reminders included here.

Card Brand Changes - 01 April 2020

31 January 2020

As your payments partner, we are committed to keeping you up-to-date with industry and card brand developments.

Mastercard: 3D secure affecting eCommerce

24 February 2020

Mastercard is now preventing customers from bypassing the Mastercard Directory Server for 3DS 1.0 transactions before submitting those transactions into authorisation

All Card Brands: Retiring mag-stripe

24 February 2020

To ensure the continued security of transactions, it will be compulsory to remove Mag-Stripe Mode from all contactless device specifications. Going forward, only EMV mode will be supported

Visa & Mastercard: Refund authorisations

24 February 2020

Visa and Mastercard now require that transactions relating to returned products, cancelled services or price adjustments related to prior purchases are authorised as are debit transactions

Visa: Cashback limit changes affecting Switzerland

24 February 2020

From 13 June 2020, Visa is set to amend the cashback purchase limits in Switzerland to a minimum of CHF 20 and a maximum of CHF 300. The Mastercard minimum cashback amount remains at CHF 10

All Card Brands: AMLD5 relating to anonymous prepaid cards

24 February 2020

The EU Commission has issued new legislation aimed at vulnerabilities relating to anonymous prepaid products, as the Anti Money-Laundering Directive 5 (AMLD5) comes into effect

Visa: 3D secure affecting eCommerce

24 February 2020

In response to the requirement for Strong Customer Authentication (SCA) as part of PSD2, Visa expects all parties in the ecosystem to deploy EMV 3DS 2.2 no later than 16 October 2020

All Card Brands: Consistent and improved customer experience

24 February 2020

Make sure you meet consumer expectations by creating a consistent, improved experience at the point of sale (POS) – drive awareness of ‘tap to pay’ and deliver a best-in-class consumer experience

Visa: Response codes for Strong Customer Authentication response

24 February 2020

After the introduction of Strong Customer Authentication (SCA), under PSD2, Visa has introduced new authorisation response codes to help achieve an optimal experience for cardholders

Visa: Account verification usage

24 February 2020

Visa has stated that customers wanting to perform verification of a card account, prior to any amount being debited, must use the correct identifiers and a zero-amount in those verification requests

Card brand and regulatory changes: July 2020

26 June 2020

As your payments partner, we are committed to keeping you up-to-date with industry changes and card brand developments. There are 12 updates and reminders included here.

Visa: Stored Credential best practices

11 March 2020

Read Visa’s dedicated guide to store credentials, to help customers comply with mandatory requirements and take advantage of the benefits of the Stored Credential Transaction framework

Mastercard: Card changes

11 March 2020

Mastercard has introduced its Debit Mastercard in Spain, Portugal, France and Liechtenstein. Customers can automatically accept these new card ranges if their BIN data is updated regularly

Visa & Mastercard: Impact of non-compliance with changes to Dynamic Currency Conversion

11 March 2020

Visa & Mastercard: Impact of non-compliance with changes to Dynamic Currency Conversion

Visa: Changes to the contactless CVM Limit for Poland and Belgium

11 March 2020

From 17 July 2020, Visa is increasing the CVM limit in Poland from 50 zł to 100 zł. From October 2020, Visa will increase the CVM limit in Belgium from €20 to €25

Card brand changes: December 2020

1 December 2020

As your payments partner, we are committed to keeping you up to date with industry changes and card-scheme developments. There are nine updates and reminders included here.

Card brand fee changes from July 2020 for Interchange ++ customers

31 July 2020

Outlined are the pricing changes being introduced by the card brands, Visa, Mastercard and Diners Club.

Changes to the Visa Chargeback process as of 15 April 2018

26 March 2018

Visa is changing the way it handles disputed transactions (also known as Chargebacks) within the payments industry with effect from 15 April 2018 by introducing the Visa Claims Resolution (VCR) initiative. This aims to improve the efficiency of handling disputes and reduce the number of invalid Chargebacks.

Card Scheme News - Update

18 September 2019

As your payments partner, we are committed to keeping you up-to-date with industry and card scheme developments. The purpose of this communication is to advise you of new pricing changes being introduced by Visa and Mastercard.

Card Brand Airline Impacts

26 September 2020

Elavon is aware of the impacts to the numerics used in the card brand payments systems and has taken the steps to support the migration to an eight-digit IIN (BIN). Full implementation for all card brands is targeted for April 2022.


Guiding your through PSD2: Interim Solution Instruction for the Travel and Hospitality Industry Read more


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