As you may be aware, since October 2022, in the UK and EEA regions, Visa has required the previous_payment_id of an initial transaction to be provided with subsequent Merchant Initiated Transactions (MITs) in a series. If the previous_payment_id is not sent then Visa will look to assess non-compliance fines.
Mastercard will now be aligning with this Visa requirement.
You must be providing a trace ID (previous_payment_id) on Mastercard MITs by June 1, 2023. On 30 July, 2023, Mastercard will start to issue assessments (fines) to any merchants who are not compliant.
From March 1, 2023, Mastercard will begin monitoring MITs, including recurring and subscription transactions, to ensure that they are correctly flagged and contain a valid previous_payment_id . The Data Integrity Monitoring Program has been amended to check MITs in the United Kingdom and select countries in Europe*.
Please see our API reference and docs for more details.
To prevent potential scheme assessments (fines) from July, please ensure that, for your Mastercard transactions:
This can be either a Checkout.com payment_id (format pay_XXX ) or the scheme_id (format: 12345… or ABCDE… ) returned with the first transaction.
With the use of stored credentials increasing in recent years, the previous_payment_id gives schemes more visibility of the transaction risk when making authorization decisions.
You should already be providing the correct flags and previous_payment_id for Visa transactions.
Mastercard’s timeline for these changes are as follows:
*Countries affected are Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, and United Kingdom.