Network Updates

Overview

The card networks, such as Visa, Mastercard, Amex, and Discover, introduce and make changes to their operating rules and mandates throughout the year. Many of these changes come twice per year—in April and October.

These network updates typically include fee introductions or fee changes, new mandates, new features, or updates to existing features. The changes can be broad in nature and may include updates such as mandates to comply with new regulations, implementing new fees, or requiring merchants to use schemes like 3DS 2.0 to help reduce fraud.

While many of the updates require no action for merchants, some do require integration changes or adoption of services. Additionally, some of the updates carry new or changed fees.

Key October 2024 Network Releases

PayPal Braintree teams have worked to identify the most impactful network updates for October 2024. The chart below identifies ten updates merchants should know about. We have called out the type of update (fee change, mandate, new feature/update), which network the update comes from, and the relevant markets.

Scheme	Name	Type	Geographic Impact
Visa	Updates to Fraud and Consumer Dispute Rules and New Pre-Arbitration Attempt Requirements	Behavioral Change	Global
Visa	Arbitration Case Review Fees Will Be Revised in AP, Canada, CEMEA and LAC	Fee Change	Australia, New Zealand, Asia Pacific, Canada, Europe, Latin America
Visa	VAMP Enhancements and Retirement of VDMP and VFMP	Behavioral Change	Europe
Visa	AVS Fees Will Be Revised	Fee Change	Asia Pacific, Australia, New Zealand
Visa	Cyber Threat Protection Will Be Introduced in April 2025 as Risk Capabilities Are Further Enhanced	Fee Change	Europe
Visa	Secure Credential Framework in AU	Fee Change	Australia
Mastercard	Revised Nominal Authorization Transaction Processing Excellence Program in the Asia/Pacific Region excluding Indonesia	Fee Change	Asia Pacific
Mastercard	Digital Assurance Fee	Fee Change	Asia Pacific
Mastercard	Authorization Optimizer Pricing for AP	Behavioral Change	Asia Pacific
Mastercard	Introduction of Time-Based Authorization Validity Value Fees in the European Economic Area Countries, the United Kingdom, and Gibraltar (Switch)	Behavioral Change	Europe, UK

Here is a list of key updates identified by PayPal Braintree teams for Summer 2024. The list includes the relevant markets, which network the update comes from, and the type of update, such as a fee change, mandate, or a new feature.

Scheme	Name (click to jump)	Type	Geographic Impact
Visa	Authorization Response Code Update	Behavioral	Global
	Digital Commerce Fee in APAC	Fee Change	APAC, AU
	Introduction to Small Merchant Interchange Program	Fee Change	CA
Mastercard	Revising Interregional Acquirer Cross-Border Fee and Acquiring Interregional Transaction Fee	Fee Change	EU
	Revising and Introducing Interregional Acquirer Card-Not-Present Fees mandate	Fee Change	EU
	Introducing Pricing for MDES Tokenization Services	Fee Change	EU
	Revised Excessive Authorization Attempts in Transaction Processing Excellence Program change	Behavioral Change	EU
	Extending Network Access and Brand Usage Fee	Fee Change	US
	Revising Acquirer Brand Volume Fee	Fee Change	US
	Revision of Arbitration Case Filing Fees	Fee Change	US
	Revision of Cross-Border Assessments for Select APAC Countries	Fee Change	APAC