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Network updates


2015-07-09Master Card dispute policy

MasterCard Revised Standards for Cardholder Right to Dispute a Transaction 


Effective immediately, MasterCard has revised its standards regarding a cardholder’s right to dispute a transaction. A merchant must not impose a requirement that the cardholder waive the right to dispute a transaction as a condition of accepting a MasterCard or Maestro card for payment. Additionally, a merchant must not impose a requirement that the cardholder pay a fee to the merchant in the event the cardholder exercises the right to dispute a transaction. 


2016-07-01 VISA Debit Assessment Fee beginning

VISA Debit Assessment Fee Assessment fees for Visa signature debit transactions will increase by .02% from .11% to .13% . 

2017-01-01 Visa Data Integrity Fee Pricing Change

Effective January 1, 2017, the Misuse of Authorization Fee will be increased from $.045 to $.09 and the Zero Floor Limit Fee will be increased from $.10 to $.20.  As a reminder, the Misuse of Authorization Fee is assessed on all authorization approvals that do not have a subsequent settled sales transaction or an authorization reversal (within 9 days). The Zero Floor Limit Fee is assessed on all sales transactions that are submitted to settlement that does not have an authorization.

2017-04-22 Key entry and CVV2 requirements

Effective April 22, 2017, merchants with EMV chip acceptance devices may support manual key entry at their discretion. Merchants that are not EMV chip-enabled will remain required to support manual key entry. Additionally, the use of CVV2 in lieu of imprint will be prohibited for all card-present transactions. The rules regarding imprints on key-entered transactions will remain unchanged. 

2017-10-01 EMV liability shift reminder

Effective October 1, 2017, the EMV liability shift that will take place for domestic and interregional counterfeit card-present transactions initiated at Automated Fuel Dispensers (AFDs) and Automated Teller Machines (ATMs). 

Guidelines for Visa merchants

Visa has a website,, which offers merchants resources to help better understand Visa processes and standards. The documents housed on the site contain in-depth information designed to help merchants navigate acceptance, fraud, data security, authorization and more.  



2019-02-12 TLS 1.2 updates

Avoid a disruption in transactional processing  As we have notified you of in prior messages, the PCI Security Standards Council has declared that SSLv3, TLS 1.0 or 1.1 no longer meet minimum security standards due to security vulnerabilities for which there are no fixes.

What you can do to prepare 

To continue processing payments, you must disable SSL 3 and TLS 1.0 or 1.1 entirely and switch to  the more secure TLS 1.2 security protocol.   The required changes you will need to make may vary, but here are some common steps: Investigate and Act  • If you receive a new terminal from Worldpay, install it immediately. • If applicable, have your information technology and/or website support teams run system vulnerability scans to determine security of your systems. • Contact your payments partners (such as your ISV, your payment terminal provider, or point-ofsale system provider) to examine any managed firewalls to ensure they are using modern encryption protocols. • Reconfigure any existing software to accept the TLS 1.2 protocol. • Use web browsers that use TLS 1.1 or TLS 1.2. Supported browsers include: o Google ® Chrome, version 38 and higher; o Mozilla ® Firefox, version 27 and higher; o Microsoft ® Internet Explorer, version 11 and higher; o Apple® Safari, version 7 and highe

- 2019-08-27 NYCE update

Florida EBT interchange is $0.00 effective Oct, 1st, 2019