Features Introduced This Week

Mastercard AFTs are now available on First Data Merchant Solutions (Europe) on OmniPay Direct and Lloyds TSB Cardnet International.

Does not apply.

Merchants who use First Data Merchant Solutions (Europe) on OmniPay Direct or Lloyds TSB Cardnet International.

Account Funding Transactions (AFTs) are used by merchants to withdraw funds from a senders account in order to fund a recipient account. For example, transferring funds between accounts or adding funds to a wallet or card.

Merchants must contact their Omnipay acquirer to ensure correct Merchant Category Code setup and registration for AFTs.

AFT transactions are indicated to Visa through presence of valid

aftIndicator

and

businessApplicationID

fields and sender and recipient payment details in the authorization and clearing messages.

For more information, see

Mastercard AFT Developer Guidance for Omnipay Processing Connections

.

Released to production June 4, 2026.

Cybersource is adding support for Merchant Advice Codes (MAC) in the Cielo3 authorization response flow. When Cielo3 returns a Merchant Advice Code on an authorization response, Cybersource will pass that value through to the merchant in the existing merchant advice response fields.

Merchants will see this in the authorization response (API only, not in the Business Center) for Cielo3 authorizations. The MAC value provides guidance on how to handle declined transactions, including whether to retry, when to retry, whether updated account information is available, or whether the customer should use another payment method.

The MAC value is informational only. It does not change the authorization decision, response code, reason code, or transaction status. Merchants do not need to change their authorization request and no additional boarding or enablement is required.

The merchant is enabled for Cielo3 processing
The transaction is a supported Cielo3 authorization transaction
A Merchant Advice Code is available in the authorization response
The merchant uses a supported API response channel: REST, SCMP, or Simple Order API

Does not apply.

Merchants processing through the Cielo3 processor in Brazil for authorization transactions.

Improved retry handling
Reduced unnecessary authorization attempts
Better customer-facing decline messaging
Improved recurring and subscription billing logic
Reduced support volume related to repeated declines

API	Code Field	Raw Code Field
REST	processorInformation.merchantAdvice.code	processorInformation.merchantAdvice.codeRaw
SCMP	auth_merchant_advice_code	auth_merchant_advice_code_raw
SOAPI	ccAuthReply_merchantAdviceCode	ccAuthReply_merchantAdviceCodeRaw

The MAC value is handled as a string and may be alphanumeric. Values up to four characters are supported. MAC values are not limited to a fixed list, and additional values may be returned over time.

Common MAC values include:

Code	Description	Recommended Action
01	New account information available	Update account data where available
02	Cannot be approved at this time	Retry after 72 hours or use another payment method
03	Retry is not allowed	Do not retry; request another payment method
04	Token requirement is not met	Review token requirements
21	Plan cancelled	Stop billing attempts for the cancelled plan
24	Try again after 1 hour	Retry after 1 hour
25	Try again after 24 hours	Retry after 24 hours
26	Try again after 2 days	Retry after 2 days
27	Try again after 4 days	Retry after 4 days
28	Try again after 6 days	Retry after 6 days
29	Try again after 8 days	Retry after 8 days
30	Try again after 10 days	Retry after 10 days
40	Retry is not allowed	Do not retry; use another payment method
41	Retry is not allowed	Do not retry using the same single-use virtual card
43	Multi-use virtual card guidance	Ask customer to generate a new virtual card or contact issuer

Example REST Response Snippet

"processorInformation": { 
  "merchantAdvice": {
    "code": "03", 
    "codeRaw": "03" 
  } 
}

Released to production June 3, 2026.

Some REST API transactions that combine payment services with risk services incorrectly return the error

502 General System Error

instead of

201 Decline

.

Does not apply.

Merchants who use the REST API.

Correct error message.

None.

Released to production June 4, 2026.