Card Network Certifications 2025

Card Network Certifications are a collection of standards and protocols set by the card networks such as Mastercard, Visa, Pulse, and Discover. These certifications ensure that all transactions processed through these card networks meet their specific requirements, as related to topics including security, data handling, and interoperability. Changes to these certifications are typically communicated through technical documents provided by the card networks to Marqeta four times a year (two major and two minor updates).

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October 2025

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Visa network certification

The Marqeta platform is certified with the October 2025 VisaNet Business Enhancements, effective 17 October 2025.

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Marqeta changes to support this release of Visa

Effective 17 October 2025, Visa will implement mandatory changes to Visa Resolve Online (VROL). To support these changes, Marqeta has made the following changes to the disputes questionnaire in the Marqeta dashboard: These changes are only reflected in the Marqeta Dashboard. No changes have been made to the disputes API. Effective 17 October 2025, Visa will implement changes to support the following new airline and hotel merchant category codes (MCCs): To support this mandate, the Marqeta platform now includes these new MCCs. Effective 17 October 2025, Visa will expand support of the Visa Digital Commerce Authentication Program (VDCAP) indicator to all regions for domestic and cross-border card-not-present transactions. This indicator will convey the presence of certain key data elements and the eligible method used to share authentication data. To support this mandate, Marqeta will now include the digital_commerce_authentication_indicator field in JIT payloads, webhooks, and GET /transactions. Effective 17 October 2025, Visa will enable additional authentication data to be sent to issuers that support the Visa Digital Commerce Authentication Program (VDCAP) for card-not-present token transactions. To support this mandate, Marqeta will now pass this data in the VDCAP_QUALIFIED field of JIT payloads for customers to leverage in their authentication decisioning. Effective 17 October 2025, Visa will implement new Visa Spend Qualified Indicators to help improve spend qualification capabilities, and also enable the future deployment of more sophisticated spend qualified product constructs. In compliance with this mandate, Marqeta now supports new values received from Visa’s Spend Qualified Indicator field. If any of the following values are included in a Visa ISO authorization message, Marqeta will include the associated value in the network_metadata.spend_qualifier field of the transaction payload: Effective 17 October 2025, Visa will no longer send the watchlist results code in account funding transactions (AFTs). Additionally, Visa will no longer send the sanction screening scoring results code in original credit transactions (OCTs). To support this change, Marqeta will no longer include the account_funding.screening_score and original_credit.screening_score fields in transaction payloads for Visa transactions. Effective 17 October 2025, Visa will implement a new indicator in AFTs and OCTs that provides information about whether or not the entry device type used in a Visa Direct in-person tap transaction is a consumer off-the-shelf mobile device. To support this mandate, Marqeta has added a field called entry_device_type to the following objects:

• original_credit
• account_funding

If Visa indicates that the entry device type used was a consumer off-the-shelf mobile device, Marqeta will populate the original_credit.entry_device_type or account_funding.entry_device_type field with off_the_shelf_mobile_consumer in JIT, webhooks, and calls made to the GET /transactions endpoint. In April 2025, Visa implemented the Global Acceptor ID Framework, which includes data elements contained in existing tags that are supported in Visa point-of-sale (POS) and ATM transactions for Visa, Interlink, and Plus. Effective 17 October 2025, certain issuers must be prepared to receive the Global Acceptor ID Framework data elements. To support this mandate, Marqeta now accepts the following data elements: For more information about these fields, see Transactions. Effective October 2025, Issuers will be permitted to dispute approved Visa Secure transactions from merchant outlets with excessive fraud as identified by Visa. To support this mandate, Marqeta will provide a new API endpoint: cases/vfmp_transactions. This endpoint will allow programs to access a list of transactions with chargeback rights. Additionally, Marqeta will add a new reason code to the list of Visa dispute reason codes: 10.5 (“Visa Fraud Monitoring Program”). This reason code is applied when Visa flags a transaction as fraudulent under the Visa Fraud Monitoring Program (VFMP).

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Visa changes with no impact on your card program

Marqeta has completed the development work required for these mandates, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions. Effective 17 October 2025, Visa will require issuers to support the Visa Account Attack Intelligence Score in a transaction-specific data field for card-not-present transactions. This score ranks the risk of a card-not-present transaction becoming the target of an account enumeration attack. Account enumeration attacks are also known as “brute force” attacks. The Visa Account Attack Intelligence Score uses a scale of 00-99, where 99 indicates the highest risk of fraud, and 00 indicates insufficient data to assess the risk. Effective 17 October 2025, Visa will begin including sender data in domestic and cross-border non-money transfer AFTs to issuers. Effective 17 October 2025, Visa will make changes to support the Ramp Provider Program, including the implementation of new identifiers and tags. Effective 17 October 2025, Visa will implement changes to support a new non-money transfer business application identifier (BAI) value in support of micro-merchant payment card acceptance. Effective 17 October 2025, Visa will update the existing small merchant electronic fee program rates for domestic transactions completed with some Visa Consumer credit products payment credentials in Canada. Effective 17 October 2025, Visa will update interchange rates for some existing fee programs applicable to Visa Corporate and Visa Purchasing credit transactions made in the United States.

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Mastercard network certification

The Marqeta platform is certified with the October 2025 Mastercard Release 25.Q4, effective 17 October 2025.

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Marqeta changes to support this release of Mastercard

Effective 17 October 2025, Mastercard is expanding the suite of consumer credit products by introducing new product codes. To support this mandate, if Marqeta receives any of the new product codes in a transaction, Marqeta will include the following equivalent codes in the network_metadata.product_id field:

• MASTERCARD_WORLD_LEGEND_DEBIT
• MASTERCARD_COBADGE_DEBIT
• MASTERCARD_ESSENTIAL_PREPAID
• MASTERCARD_DEBIT_FINANCIAL_INCLUSION
• WORLD_LEGEND_MASTERCARD
• WORLD_LEGEND_EXCLUSIVE_MASTERCARD
• WORLD_SELECT_MASTERCARD

Effective 17 October 2025, Mastercard is introducing Mastercard Digital Enablement Service (MDES) digital service indicators within the dual-message authorization system and single message system. These indicators show that a transaction qualifies for specific services, available to acquirers, merchants, and issuers who opt in to receive them. To support this mandate, Marqeta will pass this data to customers for reference in the digital_service_indicator field in JIT payloads. Effective 17 October 2025, Mastercard will provide MDES issuers with information captured at the terminal that suggests a possible relay attack associated with device-based contactless payments. Mastercard is adding new valid on-behalf service (OBS) values in authorization messages for contactless transactions using device wallets to provide relay resistance protocol (RRP) information. To support this mandate, Marqeta will pass these values in the JIT payloads under the mastercard_relay_resistance_protocol_result field. Effective 17 October 2025, Mastercard will implement changes to support the following new airline and hotel merchant category codes (MCCs): To support this mandate, the Marqeta platform now includes these new MCCs. Effective 17 October 2025, Mastercard is introducing the Mastercard One Credential, a new offering to provide cardholders control to set payment preferences from multiple payment methods. Support for these mandates on the Marqeta platform is still in development.

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Mastercard changes with no impact on your card program

Marqeta has completed the development work required for these mandates, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions. Effective 17 October 2025, Mastercard will require issuers and acquirers to store, retrieve, and return the transaction link identifier from an original lifecycle message in all subsequent lifecycle messages of a transaction. This identifier connects the original transactions to all subsequent transaction activities throughout the transaction lifecycle. Effective 17 October 2025, Mastercard is introducing interchange rates for the Mastercard Wholesale Travel Program (MWP) both globally and for intraregional transactions within the United States.

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Discover network certification

No applicable changes were communicated to Marqeta by Discover. The Marqeta platform will be certified with the October 2025 Discover Release 25.4, effective 17 October 2025.

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Pulse network certification

No applicable changes were communicated to Marqeta by Pulse. The Marqeta platform will be certified with the October 2025 Pulse Release 25.4, effective 17 October 2025.

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July 2025

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Visa network certification

The Marqeta platform is certified with the July 2025 VisaNet Business Enhancements, effective 18 July 2025.

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Visa changes with no impact on your card program

Marqeta has completed the development work required for these mandates, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions. Effective 18 July 2025, Visa will increase the maximum single transaction amount limits for purchase and credit voucher transactions made using some consumer and commercial products. This change will affect all countries and jurisdictions except the Republic of Türkiye (Turkey).

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Mastercard network certification

The Marqeta platform is certified with the July 2025 Mastercard Release 25.Q3, effective 11 July 2025.

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Mastercard changes with no impact on your card program

Marqeta has completed the development work required for these mandates, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions. Mastercard is repurposing existing product code values to introduce consumer and commercial products for issuance in Australia. Mastercard is making edit enhancements for existing interchange programs in the Europe region for both cross-border and domestic interchange programs to ensure alignment between qualifying interchange rate designator (IRD) criteria and the Dual Message Clearing System. Mastercard is creating two new message reason codes to identify installment-related fees between acquirers and issuers. Mastercard is making updates to Integrated Product Message (IPM) Mastercard Parameter Extract (MPE) tables in Release 25.Q3. Mastercard is making edit enhancements for existing interchange programs to ensure alignment between qualifying interchange rate designator (IRD) criteria and the Dual Message Clearing System. Mastercard is introducing interchange rate types for tokenized and non-tokenized transactions in select countries in the Latin America and Caribbean regions. Mastercard is extending participation in Account Level Management (ALM) Product Graduation Plus (PGP) to issuers of Flex Cards in Brazil.

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Discover network certification

No changes were communicated to Marqeta by Discover. The Marqeta platform will be certified with the July 2025 Discover Release 25.3, effective 11 July 2025.

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Pulse network certification

No changes were communicated to Marqeta by Pulse. The Marqeta platform will be certified with the July 2025 Pulse Release 25.3, effective 11 July 2025.

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April 2025

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Visa network certification

The Marqeta platform is certified with the April 2025 VisaNet Business Enhancements, effective 11 April 2025.

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Marqeta changes to support this release of Visa

Effective 11 April 2025, Visa will require acquirers in certain countries in the Europe region that process account funding transactions (AFTs) or original credit transactions (OCTs) to support Account Name Inquiry requests for their merchants. Additionally, Visa will require all issuers in the LAC region, certain countries in the AP region, and certain countries in the Europe region to support Account Name Inquiry requests in account verification messages. To support this mandate, Marqeta is working with Visa to enable all Marqeta’s BINs in Latin America (LAC), Asia Pacific (AP) and Europe (EU) to support Account Name Inquiry (ANI). To enable Account Name Inquiry functionality, contact your Marqeta representative. Effective 12 April 2025, Visa will implement mandatory changes to Visa Resolve Online (VROL), Release 25.1.

• Disputes for cancelled_recurring_transaction_details will fail to submit to Visa if the field is_dispute_impacted_by_local_law_or_regulation has a value of true, and the documentation and network_comment fields are blank or absent.
• Disputes for counterfeit_merch_details will fail to submit to Visa if supporting documentation is absent from the submission.

The Marqeta platform supports all of these mandatory changes. Effective 11 April 2025, Visa will implement changes to support a new airline Merchant Category Code (MCC): 3619, Riyadh Air. To support this mandate, the Marqeta platform now includes this new MCC. Effective 1 April 2025, Visa will update the domestic currency code for Curaçao and Sint Maarten from ANG (Netherlands Antillean Guilder) to XCG (Caribbean Guilder). The ISO numeric code 532 will remain unchanged, but the alphanumeric code will transition from ANG to XCG. This change aligns with the Central Bank of Curaçao and Sint Maarten’s decision to replace the Netherlands Antillean Guilder with the Caribbean Guilder as the official domestic currency. To support this mandate, the Marqeta platform now includes the updated currency code. Effective 11 April 2025, Visa will introduce two new authorization response codes and changes to response code processing. To support this mandate, the Marqeta platform includes the new authorization response codes 5C Transaction not supported/blocked by issuer and 9G Blocked by cardholder/contact cardholder. Effective 11 April 2025, Visa will implement changes to support the identification of distinct types of digital currencies and non-fungible tokens (NFTs) for Visa transactions. Visa will implement changes to support the new Ramp Provider Program for third-party agents that convert transactions between fiat and non-fiat currencies. Visa will implement changes to support digital currencies, NFTs, quasi-cash, and payment on existing debt transactions for Interlink non-Visa branded card-not-present transactions. Rather than a broad cryptocurrency label, transactions will now be identified with more granularity:

• Central Bank Digital Currencies (CBDCs)/Tokenized Deposits
• Stablecoins (Fiat-backed)
• Blockchain Native Tokens/Coins
• Non-Fungible Tokens (NFTs)

If the digital asset type is unknown, the existing “cryptocurrency” indicator will be used. Update your reporting, reconciliation, and fraud monitoring to reflect these new classifications. Effective 11 April 2025, Visa will define new authentication method values and new 3D Secure (3DS) indicator values for both Fast Identity Online (FIDO) authentication and authentication performed using the Visa Secure On-Behalf-Of Issuer Service for pseudo-accounts and virtual accounts. To support this mandate, the Marqeta platform will include the value FRICTIONLESS_FIDO in the cardholder_authentication_data.authentication_method field. Effective 12 April 2025, Visa will introduce an Extended Authorization Service allowing merchants to request up to 30 days to complete cardholder-initiated card-not-present (CNP) transactions. This optional service aims to address fulfillment delays and reduce authorization reversals that can lead to lost sales. Currently, merchants must complete CNP transactions within 10 days or reverse and reauthorize, which can result in declines due to insufficient funds. The new Extended Authorization Service will provide increased flexibility for merchants, reduce friction in transactions, and enhance customer satisfaction. Support for this mandate on the Marqeta platform is still in development. Effective 11 April 2025, Visa will expand the existing Initiating Party Indicator field to issuers in the Asia-Pacific (AP); Canada; Central Europe, Middle East, and Asia (CEMEA); Latin America and Caribbean (LAC); and U.S. regions. To support this mandate, the Marqeta platform includes the transaction_initiated_by field in the transaction payloads of webhooks, JIT Funding requests, and GET /transactions calls. For more information, see the Transaction object. Effective 6 June 2025, Visa will implement changes in card-not-present transactions to prepare to support the new Visa Account Attack Intelligence Score in the Latin America and Caribbean (LAC) region. These changes will include a new tag and values that will be available for use in July 2025. Effective with the July 2025 release, Visa will implement changes in card-not-present transactions to make available the tag and values supporting the new Visa Account Attack Intelligence Score in the Asia-Pacific (AP) and Central Europe, Middle East, and Asia (CEMEA) regions. To support this mandate, the Marqeta platform now includes the Visa Account Attack Intelligence Score in the fraud.network.transaction_account_attack_intelligence_score field. This score ranks the risk of a card-not-present transaction becoming the target of an account enumeration attack. Account enumeration attacks are also known as “brute force” attacks. The Visa Account Attack Intelligence Score uses a scale of 00-99, where 99 indicates the highest risk of fraud, and 00 indicates insufficient data to assess the risk. To enable the Visa Account Attack Intelligence Score for your card program, contact your Marqeta representative. For more information about the fraud.network.transaction_account_attack_intelligence_score field, see Transactions. Effective 11 April 2025, Visa will require issuers in certain Asia-Pacific (AP) countries to support the Address Verification Service (AVS). To support this mandate, Marqeta is working with Visa to enable all Marqeta’s BINs in the Asia Pacific (AP) region to support AVS. Effective 6 January 2025, Visa will implement changes in card-not-present transactions to define a new tag and values to support the new Visa Account Attack Intelligence Score. The new Visa Account Attack Intelligence Score will be optional for acquirers and issuers in the Europe region. Effective 11 April 2025, it will be mandatory for issuers in the Europe region to receive this tag. To support this mandate, the Marqeta platform now includes the Visa Account Attack Intelligence Score in the fraud.network.transaction_account_attack_intelligence_score field. This score ranks the risk of a card-not-present transaction becoming the target of an account enumeration attack. Account enumeration attacks are also known as “brute force” attacks. The Visa Account Attack Intelligence Score uses a scale of 00-99, where 99 indicates the highest risk of fraud, and 00 indicates insufficient data to assess the risk. To enable the Visa Account Attack Intelligence Score for your card program, contact your Marqeta representative. For more information about the fraud.network.transaction_account_attack_intelligence_score field, see Transactions. Effective 11 April 2025, Visa will implement changes to support the acceptance of Visa Flexible Credentials (VFCs) at limited acceptance merchants for acquirers in the Europe region, excluding Turkey and Israel. To support this mandate, the Marqeta platform includes the stand-in processing (STIP) reason code 9039 VFC decline due to limited acceptance merchant. Effective 11 April 2025, Visa will implement changes to support Brazil’s regulatory requirements for tax identification in Brazilian domestic transactions. Support for this mandate on the Marqeta platform is still in development. Effective 11 April 2025, Visa will implement a new indicator to support the Visa Digital Commerce Authentication Program (VDCAP) for U.S. domestic card-not-present transactions. This indicator will flag the presence of certain key data elements and the eligible method used to share authentication data. Support for this mandate on the Marqeta platform is still in development. Effective 6 January 2025, Visa will implement changes in card-not-present transactions to define a tag and values to support the new Visa Account Attack Intelligence Score for U.S. issuers. To support this mandate, the Marqeta platform now includes the Visa Account Attack Intelligence Score in the fraud.network.transaction_account_attack_intelligence_score field. This score ranks the risk of a card-not-present transaction becoming the target of an account enumeration attack. Account enumeration attacks are also known as “brute force” attacks. The Visa Account Attack Intelligence Score uses a scale of 00-99, where 99 indicates the highest risk of fraud, and 00 indicates insufficient data to assess the risk. To enable the Visa Account Attack Intelligence Score for your card program, contact your Marqeta representative. For more information about the fraud.network.transaction_account_attack_intelligence_score field, see Transactions.

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Visa changes with no impact on your card program

Marqeta has completed the development work required for these mandates, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions. Effective 11 April 2025, Visa will make changes to assess the existing Premium interchange fee program for interregional transactions and Europe regional transactions at merchants outside the European Economic Area (EEA) completed with a Visa Gold product payment credential issued from France, including certain French territories. Effective 25 April 2025, Visa will implement changes to the processing of Account Funding Transactions (AFTs). These changes impact how Visa handles domestic and intra-European Economic Area (EEA) AFTs for issuers that do not support AFTs. Previously, if an issuer did not support AFTs, Visa converted the AFT to a purchase transaction before sending it to the issuer. Starting 25 April 2025, Visa will no longer make this conversion and will instead decline AFTs for issuers that do not support them. Effective 11 April 2025, Visa will implement changes in the VisaNET Integrated Payment System (VIP) to support the use of original credit transactions (OCTs) to process domestic merchandise or service returns in Argentina, Australia, Brazil, Chile, Hong Kong, Malaysia, New Zealand, Singapore, Thailand, and Ukraine. Effective 11 April 2025, Visa will implement changes to add account funding transactions (AFTs) to the merchant-initiated transaction framework. This change enables the initial cardholder-initiated AFT to identify when the credential is being stored for future merchant-initiated transactions and to identify AFTs that are merchant-initiated using the stored credential. Effective 11 April 2025, Visa will implement changes to enable additional Visa Secure authentication data to be sent to Visa Secure issuers that receive data from authentication using the Visa Intelligent Data Exchange (IDX). Additionally, Visa Data Only will be enabled for all Visa Secure issuers (except those in Bangladesh, Bhutan, India, and Nepal) to receive Visa Data Only authentication messages. Visa Data Only allows issuers to receive additional authentication data using the Visa IDX during the authorization process. Latin America and Caribbean (LAC) region issuers were enabled for Visa Data Only in October 2024. Effective 11 April 2025, Visa will implement a new value in an existing field to classify short message system (SMS) one-time passwords as a knowledge-based authentication method for Digital Authentication Framework transactions. Effective 11 April 2025, Visa will implement changes to increase the length of three existing token status count tags in token transactions. Effective 11 April 2025, Visa will implement changes that will allow issuers to identify purchase transactions that were initiated using a merchant-presented QR code (Visa Scan to Pay). Effective 12 April 2025, Visa will require issuers to provide Click to Pay as a standard feature for Visa credentials issued in certain countries in the Asia Pacific (AP) region and in the Central Europe, Middle East, and Asia (CEMEA) region for issuers. Effective 18 April 2025, Visa will require issuers to provide Click to Pay as a standard feature for Visa credentials issued in certain countries in the Europe (EU) region for issuers. Effective 19 July 2025, Visa will require issuers to provide Click to Pay as a standard feature for Visa credentials issued in certain countries in the Latin America and Caribbean (LAC) region for issuers. Effective 18 April 2026, Visa will require issuers to provide Click to Pay as a standard feature for Visa credentials issued in Canada for issuers. Effective 24 October 2026, Visa will require issuers to provide Click to Pay as a standard feature for Visa credentials issued in certain other countries in the LAC region for issuers. In April 2024, Visa implemented changes to support spend qualification processing for existing and new Small Business Credit cards issued in Puerto Rico and the U.S. Acquirers and issuers must be aware of the spend qualification processing migration schedule for Small Business Credit products issued in Puerto Rico and the U.S. Effective 11 April 2025, Visa will implement changes to streamline the Canadian domestic interchange fee structure applicable to Visa consumer, business, and commercial prepaid purchase and credit voucher transactions. Effective 11 April 2025, Visa will implement changes to streamline the Canadian domestic interchange fee structure applicable to Visa Business credentials for credit purchase and credit voucher transactions. Effective 1000 GMT, 31 December 2024, with a central processing date of 1 January 2025, Visa will update the rates for certain existing interchange fee programs applicable to Visa debit transactions. Effective 12 April 2025, Visa will require acquirers and issuers in the Canada region to support partial authorization on all domestic and cross-border account funding transactions (AFTs). Effective 11 April 2025, Visa will implement changes to existing European Economic Area (EEA) interchange fee program rates in the Europe (EU) region that are applicable to Visa Infinite Business product purchase, credit voucher, and account funding transactions. Effective 11 April 2025, Visa will implement changes to the eligible merchant category codes (MCCs) and fee edit criteria for Visa Purchasing with Fleet transactions in the Europe regional European Economic Area (EEA). Effective 11 April 2025, Visa will implement changes to support a new payment scheme identifier for acquirers and issuers in the Europe (EU) region. Effective 11 April 2025, Visa will implement changes to include the Token User Identifier for tokens based on ecommerce transactions when a token requestor is supported by a token requestor-token service provider (TR-TSP). Effective 11 April 2025, Visa will implement changes to support new processing for the existing business application identifier (BAI) value CP (Card Bill Payment) in domestic account funding transactions (AFTs) in Argentina, Colombia, Costa Rica, El Salvador, Guatemala, Honduras, Nicaragua, Panama, and Peru. Effective 11 April 2025, Visa will update the Custom Payment Service (CPS) program qualification criteria to allow transactions from unattended cardholder-activated terminals to qualify for certain existing programs. Effective 11 April 2025, Visa will introduce a new Business Credit Product three-fee program. Certain qualified transactions will be assessed for new fee descriptors, fee program indicators, and rates. Effective 11 April 2025, Visa will update existing interchange fee programs applicable to Visa Business, Corporate, and Purchasing credit transactions. Certain fee descriptors and rates will also be updated. Effective 11 April 2025, Visa will implement changes to the Global ATM Access Fee Free Service to allow transactions on network 0002 (Visa) and enable surcharge-fee-free cash deposit, balance inquiry, and account transfer transactions on network 0002 and network 0004 (Plus). Domestic ATM access-fee-free transactions can originate from VisaNET Integrated Payment System (VIP) Full Service acquirers.

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Mastercard network certification

The Marqeta platform is certified with the April 2025 Mastercard Release 25.Q2, effective 11 April 2025.

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Marqeta changes to support this release of Mastercard

Effective 11 April 2025, Mastercard will make miscellaneous core system changes. As part of these changes, Mastercard is adding two new transaction purpose values applicable to MoneySend Payment Transactions. To support this mandate, the Marqeta platform includes these two new values in the original_credit.transaction_purpose and account_funding.transaction_purpose fields:

• recycling_deposit_return
• value_added_tax_payment

Effective 3 June 2025, Mastercard will introduce decline response code values to more efficiently track and monitor closed accounts (47) and accounts not yet activated (72). Support for this mandate on the Marqeta platform is still in development. Effective 11 April 2025, Mastercard is announcing revised standards regarding a new acceptor business code: merchant category code (MCC) 5262. MCC 5262 applies to online merchants that bring together buyers and third-party sellers, and which offer multiple lines of goods or services. To support this mandate, the Marqeta platform includes MCC 5262.

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Mastercard changes with no impact on your card program

Marqeta has completed the development work required for these mandates, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions. Effective 10 April 2025, Mastercard will introduce Interchange Rate Designator (IRD) 20: Australia Intracountry Gaming and Gambling Payments in Australia. Effective 11 April 2025, Mastercard is enhancing existing interchange programs to ensure alignment between interchange rate designator (IRD) rules and qualifying criteria in Australia. Effective 11 April 2025, Mastercard will add the acquirer country code to select single-message system messages globally. Effective 3 June 2025, Mastercard will standardize how to identify quick response (QR) transactions. Effective 3 June 2025, Mastercard will enhance the Mastercard Digital Enablement Service digitization of issuer-generated consumer Virtual Card Numbers (VCNs) by enabling issuers to provide Mastercard with an associated primary account number (PAN). Effective 3 June 2025, Mastercard will enhance the data fields for the Mastercard MoneySend and Funding Transactions Program to include the ability to capture and process the full middle name of the account holder. Effective 11 April 2025, Mastercard will assign the leading indicator kJ to the Accountholder Authentication Value (AAV) in support of Smart Authentication Direct, and the leading indicator kU in support of Smart Authentication Direct Acquirer Exemption (SADAE). Effective 11 April 2025, Mastercard will enhance dual-message system (clearing) interchange processing for transactions where the issuer and merchant are located in New Zealand. Effective 11 April 2025, Mastercard will update the Integrated Product Message (IPM) Mastercard Parameter Extract (MPE) tables. Effective 11 April 2025, Mastercard is revising its standards pertaining to the extension of area-of-use programs, as well as to interchange and service fees in compliance with New Zealand’s Retail Payment System Act of 2022. Effective 11 April 2025, Mastercard is discontinuing the global use of a data element and a private data subelement that support Transaction Integrity Class fields. Effective 10 April 2025, Mastercard will introduce the Interchange Structure indicator to assist acquirers with determining the U.S. intraregional interchange programs. Effective 11 April 2025, Mastercard is modifying business service arrangement (BSA) transaction qualification criteria in the U.S. region.

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PULSE network certification

The Marqeta platform is certified with the April 2025 PULSE Release 25.2, effective 11 April 2025.

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PULSE changes with no impact on your card program

Marqeta has completed the development work required for these mandates, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions. Effective 6 April 2025, PULSE will continue to introduce a new version of the Enhanced Data File (EDF) and decommission the oldest version of the file with each release cycle.

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Discover network certification

The Marqeta platform is certified with the April 2025 Discover Release 25.2, effective 11 April 2025.

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Discover changes with no impact on your card program

Marqeta has completed the development work required for these mandates, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions. Effective 18 October 2024, Merchant Agent program requirements are aligned through updated language and removal of implementation specific details. Effective 11 April 2025, Discover will add new Interchange Rate Qualifier Codes and remove the Pre-Arbitration Withdrawal Fee. Effective 11 April 2025, Discover will update fraud reporting requirements and language to accommodate Universal Confirmed Fraud, an enhanced fraud system. These changes provide guidance on the fraud submission process, and ensure clarity and alignment across program documents.

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January 2025

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Visa network certification

The Marqeta platform is certified with the January 2025 VisaNet Business Enhancements, effective 24 January 2025.

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Marqeta changes to support this release of Visa

Marqeta is updating the authorization expiration logic to align with card network rules. Marqeta will publish more details about the authorization expiry update as they become available. Effective 13 January 2025, Visa will enhance the account verification message available to acquirers to support the new anticipated amount verification transaction (AAVT). AAVT is a zero-dollar account verification transaction used to confirm that a cardholder’s account is sufficiently funded for a given transaction. As with all zero-dollar authorizations, no funds are held as part of an AAV transaction. The anticipated amount from the Visa card network appears in the anticipated_amount field in transaction payloads of Gateway JIT Funding requests, webhooks, and GET /transactions requests. For more information about the anticipated_amount field, see the Transaction object. If your card program is prefunded or uses Managed Just-In-Time (JIT) funding, Marqeta validates the anticipated amount and responds appropriately to the Visa card network. If your card program uses Gateway JIT Funding, you are responsible for validating the anticipated amount for your cardholder. Your Gateway JIT Funding response must include the anticipated_amount_supported field, where a value of true indicates that the cardholder has sufficient funds for the transaction, and a value of false indicates that the cardholder does not have sufficient funds. For more information about the anticipated_amount_supported field, see Gateway JIT Funding Messages.

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Visa changes with no impact on your card program

Marqeta has completed the development work required for these mandates, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions. On 25 April 2024, Visa introduced a new account funding transaction (AFT) program to help grow acceptance and usage of cross-border AFTs. As previously announced, the client-to-client fee program went into effect 19 October 2024, but issuer and acquirer pricing changes will not take effect until 1 February 2025. Additionally, Visa is clarifying that the new program will have no impact on cross-border AFTs between the U.S. and U.S. territories with non-exempt debit and prepaid account funding sources. These transactions will continue to receive regulated U.S. domestic client-to-client fees. Any cross-border AFTs not qualifying for the new client-to-client fees will default to the existing interregional alternative or intraregional client-to-client fees. Refer to your jurisdiction’s interchange fee guide for additional information. Effective with the October 2024 release, acquirers and issuers must support the expected clearing date, now renamed the maximum processing date. For more information about these changes, see Requirements to support extended clearing and maximum processing dates.

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Mastercard network certification

The Marqeta platform is certified with the January 2025 Mastercard Release 25.Q1, effective 24 January 2025.

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Marqeta changes to support this release of Mastercard

Effective 31 March 2025, Mastercard will implement changes to convert the domestic currency for Curaçao and Sint Maarten from ANG/532 (Netherlands Antilles Guilder) to XCG/532 (Caribbean Guilder). The existing ISO numeric code 532 will be associated with the new alpha code XCG (Caribbean Guilder). To integrate this change, Marqeta supports the new XCG alpha-3 currency code.

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Mastercard changes with no impact on your card program

Marqeta has completed the development work required for these mandates, although the modifications are not visible to you. There are no changes to how you interact with the Marqeta platform or how you handle transactions. Effective 24 January 2025, Mastercard is enhancing clearing system edits for existing intracountry interchange programs to ensure alignment between the published interchange rate designator (IRD) requirements and the corresponding clearing system logic in New Zealand. Effective 24 January 2025, Mastercard is enhancing clearing system edits for existing intracountry interchange programs to ensure alignment between the published interchange rate designator (IRD) requirements and the corresponding clearing system logic in Australia. Effective 24 January 2025, Mastercard is enhancing clearing system edits for existing intracountry interchange programs to ensure alignment between the published interchange rate designator (IRD) requirements and the corresponding clearing system logic in Singapore. Effective 24 January 2025, Mastercard is modifying acceptor business (AB) programs by adding existing acceptor business codes (merchant category codes, or MCCs) to support the processing of installment transactions that are part of the Mastercard Installments Program with Merchant Participation. Effective 24 January 2025, Mastercard will perform miscellaneous core system changes.

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Discover network certification

No changes were communicated to Marqeta by Discover. The Marqeta platform will be certified with the January 2025 Discover Release 25.1, effective 24 January 2025.

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Pulse network certification

No changes were communicated to Marqeta by Pulse. The Marqeta platform will be certified with the January 2025 Pulse Release 25.1, effective 24 January 2025.