Mandates – What are they?
Network vendors in the card processing marketplace deliver important communications to their clients and data processors that can contain required programming changes and important information and sometimes short deadline dates. These are referred to as “Mandates”.
Mandates can be a result of regulation changes, VISA/MasterCard rules, improved processing or changes in file formats. We want to keep you updated on how our priorities are set and changes forced for platform compliance.
We will post communications from the EFT vendors that CU*Answers receives from the Networks ’Mandate” delivery channel or directly from you! Please forward these communications to the Gividends EFT Team at eftsolutions@cuanswers.com so we can keep everyone informed!
We appreciate your input.
Questions can be sent to gividendseftgroup@cuanswers.com
Also review the EFT Implementations page for weekly updates!
Current Listing as of 05/14/2012:
Visa and MasterCard Spring 2012 Mandates
First Data/STAR
Visa PIN Authenticated (PAVD) Transactions – Effective April 15, 2012 – In Process
- Visa is requiring that issuers and issuing processors support PIN Authenticated Visa Debit transactions received over the Signature Network.
Visa Partial Authorization with Cash Back – Effective April 15, 2012 – In Process
- Issuers certified to perform partial authorizations are not permitted to partially approve cash-back amounts requested by the cardholder as part of the purchase transaction. If during authorization processing, the issuer determines that a cardholder has sufficient available funds to approve the purchase amount, but not sufficient available funds to fully approve a requested cash-back amount, the issuer must approve only the amount of merchandise purchased with a partial authorization response and not include any portion of the cash-back amount.
Visa Auto Fuel Dispense (AFD) – Effective April 15, 2012 – No Action for CU*Answers
- Visa is introducing a new processing option for fuel merchants as an alternative to the Real-Time Clearing process. AFD Merchants that obtain a $1.00 status check will be able to notify Issuers of the final purchase amount by sending a confirmation advice message. This is optional for April 2012 and will be required in October 2012
MasterCard – Maestro Refund Transaction Processing. Effective April 10th – No action for CU* Answers
- Effective April 10th, MasterCard is enhancing its support of Maestro Refund Transactions to no longer require a PIN when a transaction is processed using the magnetic strip.
FIS
Visa PIN Authenticated (PAVD) Transactions – Effective April 15, 2012 – In Process
- Visa is requiring that issuers and issuing processors support PIN Authenticated Visa Debit transactions received over the Signature Network.
Visa Partial Authorization with Cash Back – Effective April 15, 2012 – In Process
- Issuers certified to perform partial authorizations are not permitted to partially approve cash-back amounts requested by the cardholder as part of the purchase transaction. If during authorization processing, the issuer determines that a cardholder has sufficient available funds to approve the purchase amount, but not sufficient available funds to fully approve a requested cash-back amount, the issuer must approve only the amount of merchandise purchased with a partial authorization response and not include any portion of the cash-back amount.
Visa Auto Fuel Dispense (AFD) – Effective April 15, 2012 – No Action for CU*Answers
- Visa is introducing a new processing option for fuel merchants as an alternative to the Real-Time Clearing process. AFD Merchants that obtain a $1.00 status check will be able to notify Issuers of the final purchase amount by sending a confirmation advice message. This is optional for April 2012 and will be required in October 2012
MasterCard Incremental Authorization for Travel & Entertainment Merchants – Effective April 15, 2012 – In Process
- MasterCard is mandating that Issuers support incremental authorization transactions. Each incremental authorization transaction associated with a single cardholder event must reference the original auth. Incremental authorization request sent from same Travel & Entertainment transactions, the Acquirer must include the Financial Network Code, Retrieval Reference Number, and Settlement Date of the original authorization response message.
MasterCard Auto Fuel Dispense (AFD) – Effective April 15, 2012 – In Process
- MasterCard is updating their system to allow Acquirers in the European region to submit a transaction amount of $0.00 in the AFD authorization advice message for when there wasn’t any fuel pumped.
FISERV
Visa PIN Authenticated (PAVD) Transactions – Effective April 15, 2012 – In Process
- Visa is requiring that issuers and issuing processors support PIN Authenticated Visa Debit transactions received over the Signature Network.
Visa Partial Authorization with Cash Back – Effective April 15, 2012 – In Process
- Issuers certified to perform partial authorizations are not permitted to partially approve cash-back amounts requested by the cardholder as part of the purchase transaction. If during authorization processing, the issuer determines that a cardholder has sufficient available funds to approve the purchase amount, but not sufficient available funds to fully approve a requested cash-back amount, the issuer must approve only the amount of merchandise purchased with a partial authorization response and not include any portion of the cash-back amount.
SHAZAM
Visa PIN Authenticated (PAVD) Transactions – Effective April 15, 2012 – In Process
- Visa is requiring that issuers and issuing processors support PIN Authenticated Visa Debit transactions received over the Signature Network.
Visa Partial Authorization with Cash Back – Effective April 15, 2012 – In Process
- Issuers certified to perform partial authorizations are not permitted to partially approve cash-back amounts requested by the cardholder as part of the purchase transaction. If during authorization processing, the issuer determines that a cardholder has sufficient available funds to approve the purchase amount, but not sufficient available funds to fully approve a requested cash-back amount, the issuer must approve only the amount of merchandise purchased with a partial authorization response and not include any portion of the cash-back amount.
Online Real-Time Hot Card Maintenance – Effective April 15, 2012 – In Process
- SHAZAM is mandating the support of online, real-time hot card maintenance from Issuers.
VisaDPS & Onebridge
Visa PIN Authenticated (PAVD) Transactions – Effective April 15, 2012 – In Process
- Visa is requiring that issuers and issuing processors support PIN Authenticated Visa Debit transactions received over the Signature Network.
Visa Partial Authorization with Cash Back – Effective April 15, 2012 – In Process
- Issuers certified to perform partial authorizations are not permitted to partially approve cash-back amounts requested by the cardholder as part of the purchase transaction. If during authorization processing, the issuer determines that a cardholder has sufficient available funds to approve the purchase amount, but not sufficient available funds to fully approve a requested cash-back amount, the issuer must approve only the amount of merchandise purchased with a partial authorization response and not include any portion of the cash-back amount.
Visa Auto Fuel Dispense (AFD) – Delayed until June 2012 – No Action for CU*Answers
- Visa is introducing a new processing option for fuel merchants as an alternative to the Real-Time Clearing process. AFD Merchants that obtain a $1.00 status check will be able to notify Issuers of the final purchase amount by sending a confirmation advice message. This is optional for April 2012 and will be required in October 2012
CO-OP
Visa PIN Authenticated (PAVD) Transactions – Effective April 15, 2012 – In Process
- Visa is requiring that issuers and issuing processors support PIN Authenticated Visa Debit transactions received over the Signature Network.
Visa Partial Authorization with Cash Back – Effective April 15, 2012 – In Process
- Issuers certified to perform partial authorizations are not permitted to partially approve cash-back amounts requested by the cardholder as part of the purchase transaction. If during authorization processing, the issuer determines that a cardholder has sufficient available funds to approve the purchase amount, but not sufficient available funds to fully approve a requested cash-back amount, the issuer must approve only the amount of merchandise purchased with a partial authorization response and not include any portion of the cash-back amount.
Visa Auto Fuel Dispense (AFD) – Effective April 15, 2012 – No Action for CU*Answers
- Visa is introducing a new processing option for fuel merchants as an alternative to the Real-Time Clearing process. AFD Merchants that obtain a $1.00 status check will be able to notify Issuers of the final purchase amount by sending a confirmation advice message. This is optional for April 2012 and will be required in October 2012
MasterCard – Maestro Refund Transaction Processing. Effective April 10th – No action for CU* Answers
- Effective April 10th, MasterCard is enhancing its support of Maestro Refund Transactions to no longer require a PIN when a transaction is processed using the magnetic strip.
MasterCard Incremental Authorization for Travel & Entertainment Merchants – Effective April 15, 2012 – In Process
- MasterCard is mandating that Issuers support incremental authorization transactions. Each incremental authorization transaction associated with a single cardholder event must reference the original auth. Incremental authorization request sent from same Travel & Entertainment transactions, the Acquirer must include the Financial Network Code, Retrieval Reference Number, and Settlement Date of the original authorization response message.
MasterCard Auto Fuel Dispense (AFD) – Effective April 15, 2012 – In Process
- MasterCard is updating their system to allow Acquirers in the European region to submit a transaction amount of $0.00 in the AFD authorization advice message for when there wasn’t any fuel pumped.
JHA Payment Processing Solutions
Visa PIN Authenticated (PAVD) Transactions – Effective April 15, 2012 – In Process
- Visa is requiring that issuers and issuing processors support PIN Authenticated Visa Debit transactions received over the Signature Network.
Visa Partial Authorization with Cash Back – Effective April 15, 2012 – In Process
- Issuers certified to perform partial authorizations are not permitted to partially approve cash-back amounts requested by the cardholder as part of the purchase transaction. If during authorization processing, the issuer determines that a cardholder has sufficient available funds to approve the purchase amount, but not sufficient available funds to fully approve a requested cash-back amount, the issuer must approve only the amount of merchandise purchased with a partial authorization response and not include any portion of the cash-back amount.
Visa Auto Fuel Dispense (AFD) – Effective April 15, 2012 – No Action for CU*Answers
- Visa is introducing a new processing option for fuel merchants as an alternative to the Real-Time Clearing process. AFD Merchants that obtain a $1.00 status check will be able to notify Issuers of the final purchase amount by sending a confirmation advice message. This is optional for April 2012 and will be required in October 2012
MasterCard Auto Fuel Dispense (AFD) – Effective April 15, 2012 – In Process
- MasterCard is updating their system to allow Acquirers in the European region to submit a transaction amount of $0.00 in the AFD authorization advice message for when there wasn’t any fuel pumped.
VANTIV
Visa PIN Authenticated (PAVD) Transactions – Effective April 15, 2012 – In Process
- Visa is requiring that issuers and issuing processors support PIN Authenticated Visa Debit transactions received over the Signature Network.
Visa Partial Authorization with Cash Back – Effective April 15, 2012 – In Process
- Issuers certified to perform partial authorizations are not permitted to partially approve cash-back amounts requested by the cardholder as part of the purchase transaction. If during authorization processing, the issuer determines that a cardholder has sufficient available funds to approve the purchase amount, but not sufficient available funds to fully approve a requested cash-back amount, the issuer must approve only the amount of merchandise purchased with a partial authorization response and not include any portion of the cash-back amount.
Visa and MasterCard Fall 2011 Mandates
FSCC Shared Branching Fall Updates 2011
Add New Reverse Lookup Messages and Verbiage Updates– Effective March 26, 2012 – Completed
- Add new Reverse Lookup Message for both Issuer and Acquirer. Issuer can pass back up to 33 accounts from a SSN lookup. This change will require CU*BASE screen enhancements. Target Date CU*BASE Release 11.4
Misc Enhancements – Effective March 26, 2012 – Completed
- Additional Amounts Format changes.
- Remove Wire Transfers from Miscellaneous
- Remove balance types not applicable to loan or share on transfer responses
- Modify extended Print to allow 100 transactions instead of 999
- No special characters in description
Check Endorsement Requirements (FSCC and CUSC) – Effective March 26, 2012 – Completed November 11th, 2011
- Endorsement Requirements for FSCC/CUSC transactions where there is a check involved. -
CO-OP
Hardware/Software Compliance Spring Mandate 2011
Account Status Inquiry Service – Completed
-
Effective Date April 15, 2011
-
MasterCard is implementing a new Account Status Inquiry Service that will allow acquirers to send this inquiry with a zero transaction amount to validate cardholder account
Recurring Payment Test Transactions – Completed
- Effective Date April 15, 2011
- MasterCard is allowing acquires to send recurring payment test transactions with a zero transaction amount
Fiserv
BP11005 – MasterCard Debit Switch (MDS) Release 11.0
Account Status Inquiry Service – Completed
- Effective Date June 14 2011
- MasterCard is implementing a new Account Status Inquiry Service that will allow acquirers to send this inquiry with a zero transaction amount to validate cardholder account
Recurring Payment Test Transactions – Completed
Effective Date June 14 2011
- MasterCard is allowing acquires to send recurring payment test transactions with a zero transaction amount
First Data (STAR)
MasterCard Spring 2011 Business Enhancements
Account Status Inquiry Service - Completed
- Effective Date June 14 2011
- MasterCard is implementing a new Account Status Inquiry Service that will allow acquirers to send this inquiry with a zero transaction amount to validate cardholder account
Recurring Payment Test Transactions – Completed
- Effective Date June 14 2011
- MasterCard is allowing acquires to send recurring payment test transactions with a zero transaction amount
STAR 2011 Network Enhancements – Notification of Changes and Support Requirements – Completed
STAR Products Participation – STAR eCommerce, STAR Enhanced Biller-Direct Payment, STAR Expedited Transfers, and STAR Mobile
- Effective Date April 2, 2012
- Acquirer Members, Issuer Members and Issuer Processors must support transactions associated with these products suites by April 2, 2012.
JHA Payment Processing Solutions
MasterCard Processing Changes
Account Status Inquiry Service – Completed
- Effective Date April 15, 2011
- MasterCard is implementing a new Account Status Inquiry Service that will allow acquirers to send this inquiry with a zero transaction amount to validate cardholder account
Recurring Payment Test Transactions - Completed
- Effective Date April 15, 2011
- MasterCard is allowing acquires to send recurring payment test transactions with a zero transaction amount
Misc Mandates/Vendors
Visa Money Transfer (OCT) and (AFT) must be accepted for Debit Card Accounts Effective 10/15/2010 – In Process
- In process for COOP. All other vendors either completed or no requirements necessary for change
