Regulatory Release March 2020: Important Changes to Rates and Program Fees

Some regulatory updates have been delayed to July 17, 2020. Effective March 1, 2020, Chargebacks will be billed at $35 and Retrievals will be billed at $20. Card Brand Access Fee will be assessed at $0.0385. Debit Network Switch Fees will be billed at $0.0625. MC Acq License will be assessed at 0.000235. Interchange Program Assessments will be billed at 0.001. Multipass Gateway will be billed $7 per TID, only applicable for merchants using Multipass Platform. Validate PCI to avoid $30 PCI Non Validation Fee. Previous month fee refunded upon validation. Continued processing is acceptance of the program updates.

Interchange Program Assessments is billed on all transactions submitted for interchange clearing for program related costs including but not limited to Program Sponsorship, Clearing & Settlement, Program Management and Card Brand fees for file transmissions and Program Participation.

Multipass Gateway monthly fee applies per Terminal ID setup on the TSYS Multipass platform. Please contact Tidal to close any Terminal ID not being used in order to prevent billing for inactive Multipass accounts.

Additional Program Enhancements

Visa: Changes to Interchange Fee Programs for Visa Consumer Transactions

New Fee Program (PPM Description Name) / Interchange Rate

VS Non Qual Cons Cr / 3.15% + $0.10

VS Non Qual Cons Cr Fuel Cap / 0.00% + $1.10

VS Vin Travel / 2.30% + $0.10

VS Vtr Spmkt Cr / 1.50% + $0.07

VS Vin Spmkt Sig/Inf / 1.65% + $0.07

VS Vsp Viq Spmkt / 2.00% + $0.07

Visa: Changes to the Supermarket Credit Performance Tiers

New Fee Program (PPM Description Name) / Interchange Rate

VS Spmkt Tr 0 Rate 1 / 1.15% + $0.05

VS Spmkt Tr 0 Rate 2 / 1.40% + $0.05

VS Spmkt Tr 1 Rate 1 / 1.15% + $0.05

VS Spmkt Tr 1 Rate 2 / 1.50% + $0.05

VS Spmkt Tr 1 Rate 3 / 1.55% + $0.05

VS Spmkt Tr 2 Rate 1 / 1.22% + $0.05

VS Spmkt Tr 2 Rate 2 / 1.55% + $0.05

VS Spmkt Tr 2 Rate 3 / 1.65% + $0.05

VS Spmkt Tr 3 Rate 1 / 1.22% + $0.05

VS Spmkt Tr 3 Rate 2 / 1.60% + $0.05

VS Spmkt Tr 3 Rate 3 / 1.75% + $0.05

Visa: Changes to Business Credit Interchange Fee Programs

New Fee Program (PPM Description Name) / Interchange Rate

VS Non Qual Bus Cr / 3.15% + $0.20

VS Business Travel / 2.70% + $0.10

VS Business Tr 5 Prod 1 / 3.00% + $0.10

VS Business Tr 5 Prod 2 / 2.25% + $0.10

VS Business Tr 5 Lvl 2 / 2.25% + $0.10

Mastercard: New Mastercard Enterprise Solution Wholesale Travel Program Product Codes

New Fee Program (PPM Description Name) / Interchange Rate

MC Global Wholesale Travel B2B MBA / 1.80% + $0.00

MC Global Wholesale Travel B2B MBG / 1.60% + $0.00

MC Global Wholesale Travel B2B MBH / 1.40% + $0.00

MC Global Wholesale Travel B2B MBI / 1.20% + $0.00

MC Global Wholesale Travel B2B MBJ / 1.00% + $0.00

Mastercard: New Commercial Credit B2B Product Codes and Interchange Program in the U.S. Region

New Fee Program (PPM Description Name) / Interchange Rate

MC B2B VIP 12 / 2.15% + 0.10

MC B2B VIP 13 / 1.55% + 0.10

MC B2B VIP 14 / 0.40% + 0.00

MC Bill Pay Commercial / 2.50% + $0.10

Discover: New Micro Ticket Interchange Programs

New Fee Program (PPM Description Name) / Interchange Rate

DS Micro Ticket Debit / 1.80% + $0.00

DS Micro Ticket Prepaid / 1.80% + $0.00

DS Micro Ticket Core / 1.95% + $0.00

DS Micro Ticket Rewards / 1.95% + $0.00

DS Micro Ticket Premium / 1.97% + $0.00

DS Micro Ticket Premium Plus / 2.05% + $0.05

DS REGF Micro Ticket Debit / 0.05% + $0.22

DS REGF Micro Ticket Prepaid / 0.05% + $0.22

DS REG Micro Ticket Debit / 0.05% + $0.21

DS REG Micro Ticket Prepaid / 0.05% + $0.21

Visa: Changes to Interchange Fee Programs for Visa Consumer Transactions

Current Fee Program Name (PPM Description Name) / New Rate

VS CPS Supermarket Credit / 1.50% + $0.07

Visa: Changes to Business and Commercial Fee Descriptors and Rates

Current Fee Program Name (PPM Description Name) / New Rate

VS Corporate Fuel Level 2 / 2.20% + $0.10

VS Purchasing Fuel Level 2 / 2.20% + $0.10

VS Business Card Standard Debit / NC

VS Commercial Standard Prepaid / NC

VS Corporate Standard Non T/E / NC

VS US Corporate Card - Standard Wdata / NC

VS Purchasing Standard Non T/E / NC

VS US Purchasing Card - Standard Wdata / NC

Visa: Changes to Business Credit Interchange Fee Programs

Current Fee Program Name (PPM Description Name) / New Rate

VS Business Elect T/E T1 / 2.35% + $0.10

VS Business CNP T1 / 2.65% + $0.10

VS Business CNP T2 / 2.80% + $0.10

VS Business Electronic T/E T2 / 2.50% + $0.10

VS Business Elect T/E T3 / 2.55% + $0.10

VS Business CNP T3 / 2.85% + $0.10

VS Business CNP T4 / 2.95% + $0.10

VS Business Elect T/E T4 / 2.65% + $0.10

VS Business Retail T1 / 1.90% + $0.10

VS Business Retail T2 / 2.05% + $0.10

VS Business Retail T3 / 2.10% + $0.10

VS Business Retail T4 / 2.20% + $0.10

VS Business Level 2 T1 / 1.90% + $0.10

VS Business Level 2 T3 / 2.10% + $0.10

Mastercard: Introduction of New Mastercard Enterprise Solution Wholesale Travel Program Product Codes - Program Rename

Current Fee Program Name (PPM Description Name) / New MAS and TSYS Express Fee Descriptor

MC GLOBAL WHOLESALE TRAVEL B2B / GLWHSLTRB2BMBS

Discover Rate Changes

Fee Program Name (PPM Description Name) / New Rate

DS PSL Restaurants Debit / 1.14% + 0.15

DS PSL Retail Rewards / 1.72% + 0.10

DS PSL Retail PR / 1.74% + 0.10

DS PSL Supermarkets/WH Clubs Rewards / 1.62% + 0.10

DS CNP REWARDS / 2.02% + 0.10

DS PSL Emerging Markets Rewards / 1.50% + 0.05

DS PSL Emerging Markets PR / 1.50% + 0.05

DS PSL Express Services PR / 1.97% + 0.00

DS PSL Hotels/Car Rentals Rewards / 1.92% + 0.10

DS Hotels/Car Rentals (Premium Plus) / 2.57% + 0.10

DS PSL Key Entry Rewards / 2.02% + 0.10

DS PSL Key Entry PR / 2.02% + 0.10

DS PSL Passenger Trans Rewards / 1.92% + 0.10

DS Retail Core / 1.57% + 0.10

DS Retail (Premium Plus) / 2.17% + 0.10

DS CNP Premium Plus / 2.45% + 0.10

DS Key Entry (Premium Plus) / 2.45% + 0.10

DS PSL - Supermarkets/Warehouse Clubs Prepaid / 1.12% + 0.16

DS PSL - Retail Prepaid / 1.12% + 0.16

DS PSL - Restaurants Prepaid / 1.14% + 0.15

DS CNP PREPAID / 1.76% + 0.20

DS Key Entry Prepaid / 1.76% + 0.20

DS Commercial Electronic Prepaid / 2.35% + 0.10

DS COMMER ELEC DB / 2.35% + 0.10

DS Commercial Electronic Submission Level / 2.35% + 0.10

DS e-Commerce Rewards / 2.02% + 0.10

DS CNP PREMIUM / 2.02% + 0.10

DS e-Commerce Premium / 2.02% + 0.10

DS e-Commerce Premium Plus / 2.45% + 0.10

DS e-Commerce Prepaid / 1.76% + 0.20

DS E-Commerce Secured Rewards / 1.90% + 0.10

DS E-Commerce Secured Premium / 1.95% + 0.10

DS E-Commerce Secured Core / 1.80% + 0.10

DS E-Commerce Secured Premium Plus / 2.35% + 0.10

Card Brand Fees

New Fee Program Name (PPM Description Name) / New Rate

International Acct Verification / 0.00% + $0.070

Domestic Acct Verification Debit / 0.00% + $0.030

Domestic Acct Verification Credit / 0.00% + $0.035

NAPF DOM Debit Auth Reversal / 0.00% + $0.0155

NAPF INTL Debit Auth Reversal / 0.00% + $0.0355

NAPF INTL Credit Auth Reversal / 0.00% + $0.0395

NAPF DOM Credit Auth Reversal / 0.00% + $0.0195

LAC International Acquirer Fee Enh Sale CNP / 1.00% + $0.00

Discover Revised Acquirer Assessment Fee

Current Fee Program Name (PPM Description Name) / New Rate

Discover Acquirer Assessment Fee / 0.140% + $0.00

Discover: New Acquirer Fee for Program Integrity Fee

New Fee Program and (PPM Description Name) / New Rate

DS Program Integrity Fee / 0.00% + $ 0.05

Mastercard AN 3467: New U.S. Region Interchange Programs

New Fee Program and (PPM Description Name) / Interchange Rate

Merit 1 Day Care / 1.60% + 0.10

World Merit 1 Day Care / 1.60% + 0.10

Enhanced Merit 1 Day Care / 1.60% + 0.10

MC Merit 3 Prepaid / 1.15% + 0.15

MC Reg Merit 3 Prepaid / 0.05% + 0.21

MC Regf Merit 3 Prepaid / 0.05% + 0.22

Mastercard AN 3467: Revised U.S. Region Interchange Program Rate Changes

Current Fee Program Name (PPM Description Name) / New Rate

World Elite Airline / 2.55% + $0.10

High Value Airline / 2.55% + $0.10

World Convenience Purchases Base / 1.90% + $0.04

MC Convenience Purchases Credit / 1.65% + $0.04

High Value Convenience Purchases Base / 2.30% + $0.04

Enhanced Convenience Purchases Base / 1.80% + $0.04

World Elite Convenience Purchases Base / 2.30% + $0.04

World Full UCAF / 2.20% + $0.10

Full UCAF / 1.95% + $0.10

High Value Full UCAF / 2.60% + $0.10

Enhanced Full UCAF / 2.10% + $0.10

World Elite Full UCAF / 2.60% + $0.10

World Key-Entered / 2.20% + $0.10

MC Key Entered Credit / 1.95% + $0.10

High Value Key-Entered / 2.60% + $0.10

Enhanced Key-Entered / 2.10% + $0.10

World Elite Key-Entered / 2.60% + $0.10

MC Travel Industries Premier Service Credit / 1.65% + $0.10

Enhanced Travel Industries Premier Service / 1.75% + $0.10

Merchant UCAF / 1.95% + $0.10

World Merchant UCAF / 2.20% + $0.10

High Value Merchant UCAF / 2.60% + $0.10

Enhanced Merchant UCAF / 2.10% + $0.10

World Elite Merchant UCAF / 2.60% + $0.10

World Merit I / 2.20% + $0.10

World Merit I (Real Estate MCCs) / 1.43% + $0.05

MC Merit I Credit / 1.95% + $0.10

Merit I (Real Estate MCCs) / 1.43% + $0.05

High Value Merit 1 / 2.60% + $0.10

High Value Merit 1 Insurance / 2.25% + $0.10

Enhanced Merit I / 2.10% + $0.10

Enhanced Merit I (Real Estate MCCs) / 1.43% + $0.05

World Elite Merit I / 2.60% + $0.10

World Elite Merit I (Insurance MCCs) / 2.25% + $0.10

World Merit III Base / 1.90% + $0.10

MC Merit III Credit / 1.65% + $0.10

High Value Merit III Base 1 / 2.30% + $0.10

Enhanced Merit III Base / 1.80% + $0.10

World Elite Merit III Base / 2.30% + $0.10

MC Passenger Transport Credit / 1.65% + $0.10

Enhanced Passenger Transport / 1.75% + $0.10

World Restaurant / 1.85% + $0.10

High Value Restaurant / 2.00% + $0.10

World Elite Restaurant / 2.00% + $0.10

World Standard / 3.15% + $0.10

MC Standard Domestic Fees Credit / 3.15% + $0.10

High Value Standard / 3.15% + $0.10

Enhanced Standard / 3.15% + $0.10

World Elite Standard / 3.15% + $0.10

World Supermarket Base / 1.70% + $0.10

MC Supermarket Credit / 1.45% + $0.10

High Value Supermarket Base / 2.10% + $0.10

Enhanced Supermarket Base / 1.60% + $0.10

World Elite Supermarket Base / 2.10% + $0.10

MC World T/E / 2.25% + $0.10

High Value T&E / 2.55% + $0.10

World Elite T&E / 2.55% + $0.10

High Value T&E Large Ticket / 2.55% + $0.00

World Elite T&E Large Ticket / 2.55% + $0.00

MC Consumer Credit Utilities / 0.00% + $0.75

World Utilities / 0.00% + $0.75

Enhanced Utilities / 0.00% + $0.75

Consumer Credit Refund Group 1 / 2.30% + $0.00

Consumer Credit Refund Group 2 / 1.75% + $0.00

Consumer Credit Refund Group 3 / 1.75% + $0.00

Consumer Credit Refund Group 4 / 1.75% + $0.00

Consumer Credit Refund Group 5 / 1.75% + $0.00

MC Merit I Debit Real Estate / 0.80% + $0.25

MC COMM DATA RATE 1 HEALTHCARE PREPAID / 2.65% + $0.10

MC COMM DATA RATE 1 HEALTHCARE PREPAID CAP / 2.65% + $0.10

MC COMM DATA RATE 1 HEALTHCARE LRG MKT / 2.65% + $0.10

MC COMM DATA RATE 1 HEALTHCARE LRG MKT CAP / 2.65% + $0.10