Forging a Successful Partnership
with Mastercard

E-Learning Platform for Mastercard's Rules, Compliance Programs and Dispute Resolution Process

Learn How Mastercard Enables Commerce and Helps Protect the Interests of All Participants in the Payment System

At Mastercard, we are focused on enabling the equitable and secure functioning of our state-of-the-art payment system. Our rules and compliance programs are designed to drive business growth for issuers, acquirers, merchants and others while promoting reliable, safe and secure commerce for all network participants. To keep our constituents informed, we have developed an e-learning platform which makes it easy and convenient to learn about our rules, other standards, dispute resolution process, and compliance programs. All modules on this page may be viewed free of charge.

Rules & Standards

Rules & other Standards

In today's fast-paced world of global commerce, Mastercard's rules provide direction for business and operational imperatives to all participants in our payment network. Our rules and other standards are based on principles that enable rapid evolution of global commerce, while protecting the integrity of the network and the brand for all stakeholders. This module explains what the rules and other standards are, why we have them, and the principles that they support.

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Customer Compliance Programs

Customer Compliance Programs

Mastercard is committed to preserving the integrity of the payment system and that of its brand and its customers' brands. To that end, we work proactively and collaboratively with customers to grow business while minimizing risk. Mastercard's global Compliance Programs, which are the subject of the following modules, help to achieve this goal.

Business Risk Assessment and Mitigation (BRAM) - addresses illegal and brand damaging activity

Excessive Chargeback Program (ECP) - monitors monthly merchant chargeback-to-transaction ratios

Global Merchant Audit Program (GMAP) - identifies merchants that exceed Mastercard-established fraud-to-sales ratios

Member Alert to Control High-Risk Merchants (MATCH) - provides acquirers the ability to review certain merchant risk information before entering into a merchant agreement

System to Avoid Fraud Effectively (SAFE) Compliance - ensures issuers are timely and appropriately reporting fraud data

Questionable Merchant Audit Program (QMAP) - investigates merchants that may be engaging in collusive or otherwise fraudulent activity

Issuer Monitoring Program (IMP) - evaluates fraud, authorization and chargeback metrics to identify issuers that may not be adequately monitoring their portfolios for risk

Dynamic Currency Conversion

DYNAMIC CURRENCY CONVERSION (DCC)

DCC is a service provided by Acquirers and their Merchants which offers the Cardholder the option of paying in their domestic billing currency when making an overseas transaction. This requires transparency - ensuring that all relevant information is available to the Cardholder at the point of sale to allow them to make an informed decision on whether to accept or decline the DCC offer. Please note that while DCC is not a service that we provide, we have a devised set of rules and regulations for any Provider, Acquirer, or Merchant offering DCC, combined with a Compliance Program aimed to monitor adherence.

DCC - eLearning module - Overview of the Enhanced DCC Compliance Program

DCC - Compliance guide - Guide to help your organization to be compliant with Mastercard DCC rules.

Data Integrity

Data Integrity

Mastercard places great importance on the accuracy and integrity of transaction data that flows across its network. The Data Integrity Program monitors transaction details to ensure accurate and clean data. These efforts inform authorization decisions, reduce exception processing and improve cardholder service capabilities. This module presents an overview of the Data Integrity program and the benefits it brings to the network.

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Dispute Resolution Management

Dispute Resolution Management

Mastercard processes billions of transactions across its network every year in a manner that is safe, secure and efficient for all participants. A very small percentage of these transactions are the subject of dispute and require resolution via the Mastercard Dispute Resolution Management process. Mastercard has published a Chargeback Guide which articulates a set of standards that our customers can use as a framework for their operations. This module presents a high-level overview of the chargeback process at Mastercard.

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Merchants Guide

The Merchant's Guide to Chargebacks: Top 10 Things Merchants Should Do

It is important for merchants, large and small, to understand their chargeback rights. The following module articulates ten helpful ways merchants can minimize risk of chargebacks and best position themselves to respond to a chargeback request.

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Partnering Merchant

Partnering with a Merchant Service Provider: Things Merchants Should Consider

Selecting a Merchant Service Provider can be a challenging decision as there are many factors to consider. This module outlines proactive steps merchants can take to help them select the right service provider for their needs.

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Payment Facilitator Program

Payment Facilitator Program

Mastercard created the Payment Facilitator model as an optional Acquiring model which allows a Payment Facilitator to accept Mastercard and/or Maestro transactions on behalf of multiple small merchants called sub-merchants. The model is a cost effective way to offer Mastercard card acceptance to merchants with very low transaction frequency and/or volume.

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