On This Page

Product Note

Welcome to the Product Note for July 2025.

Announcements

These are the announcements for July 2025.

BIN Lookup Service 2.0

Products Included:
 BIN Lookup
Region/Country:
 Global
Expected Release Date:
 Currently in Limited Availability
The BIN Lookup Service 2.0 for the production environment is currently in Limited Availability.
Effective October 1, 2025
, network availability for BIN Lookup Service 2.0 will be restricted to
American Express
,
Discover
, and
Visa
. This restriction will apply to all existing resellers and direct merchants using the service. BIN Lookup Service 2.0 with the current set of enabled networks will continue for existing clients until October 1, 2025, and there will be no immediate disruption in service. Our current focus is moving the service from Limited Availability to General Availability, and working on enhanced product features.
Any new resellers or direct merchants need to have an agreement and pricing in place to be enabled for the BIN Lookup Service. They can be enabled for American Express, Discover, and Visa along with certain regional networks.

Features Released in July

Click to Pay and Unified Checkout Support for the Brazilian Market

Products Included:
  • Click to Pay Drop-in UI
  • Unified Checkout
Region/Country:
 Brazil
Internal Feature Number:
 13146
Click to Pay and Unified Checkout are updated to support the Brazilian Market. This release includes:
  • In-App authentication to maximize approval rates within Brazil
  • Combo card support
  • Cadastro de Pessoas Físicas (CPF) support
Customer Impact
With these new changes, merchants can accept card payments in Brazil and maximize approval rates.

3-D Secure for Card-Not-Present Transactions on EFTPOS

Products Included:
 Payments on EFTPOS
Region/Country:
 Australia
Internal Feature Number:
 17654
3-D Secure is enabled for card-not-present transactions through the EFTPOS processor.
Customer Impact
3-D Secure provides additional payment security.

TMS REST API Transactions Now Included in Transaction Search

Products Included:
  • Transaction Search
  • Token Management Service
Region/Country:
 Global
Internal Feature ID:
 19840
Description
REST API transactions that use the Token Management Service (TMS) are now available in Transaction Search.
Including TMS events in transactiion search improves visibility for merchants and partners. This update enables merchants and resellers to troubleshoot transactions and audit transaction history more effectively.
Benefit
With this enhancement, merchants and resellers can track key TMS operations for instrument identifiers, payment instruments, and customers, including:
  • create
  • retrieve
  • update
  • delete

BIN Lookup Updates

Products Included:
 BIN Lookup
Region/Country:
 Global
Internal Feature Number:
 17242
Description
This release of BIN Lookup adds support for these indicators for Visa BINs:
  • Flex credentials
  • Shared BIN indicator
  • POS domestic-only indicator
  • Commercial card Level 2 indicator
  • Commercial card Level 3 indicator
  • Exempt BIN indicator
  • Account level management indicator
Benefit
These new indicators provide additional insight for the merchant.

BIN Lookup Enhanced by Including New Sources

Products Included:
 BIN Lookup
Region/Country:
 Global
Internal Feature Number:
 17242
Description
To improve the quality of results provided by the BIN Lookup Service, we have added new network sources on a regular basis, beginning with Mastercard, RuPay , and Visa tokens.
Benefit
Better quality for the results provided by the of BIN Lookup service.

Account Funding Transactions Now Available on
Streamline

Products Included:
 Account Funding Transactions
Region/Country:
 Global
Internal Feature Number:
 13097
Account Funding Transactions (AFTs) Are now supported on the
Streamline
 processor. AFTs allow customers to withdraw funds from one account and deposit the funds into a second account. AFTs can be used only to transfer funds between two accounts owned by the same individual or entity. For example, an AFT can be used to load a prepaid card from a checking account as long as both accounts are owned by a single person or entity.
This feature complies with the Visa mandate. Further updates will be completed to ensure compliance with Mastercard in a future release.

Paze Added to Invoicing and Pay by Link

Products Included:
  • Invoicing
  • Pay by Link
Region/Country:
 Global
Internal Feature Number:
 13333
Merchants can offer Paze as a payment method when their customers pay by invoice or pay by link.

eCheck Added to Invoicing and Pay By Link

Products Included:
  • Invoicing
  • Pay by Link
Region/Country:
 US and Canada
Merchants can offer eCheck as a payment method in the US and Canada when their customers make payments using an invoice or pay by link.
Customer Impact
Additional payment options increase payment volume.

Custom Merchant-Defined Data Added to Invoicing

Products Included:
 Invoicing
Region/Country:
 Global
Internal Feature Number:
 13335
This release enables merchants to add custom fields to the invoice payment page to collect additional information from payers at the time of payment. The fields can be added when invoices are created and edited.
Customer Impact
This release provides merchants additional flexibility and can aid reconciliation.

Invoice Webhook Events Enabled Without Payer Confirmation Email

Products Included:
  • Invoicing
  • Webhooks
Region/Country:
 Global
Expected Release Date:
 TBD
Internal Feature Number:
 20680
Webhooks is updated to send invoice events without the payer's confirmation email. Previously, when invoice emails were not sent using our platform, payments made by payers did not trigger an invoice-paid webhook event. That gap prevented resellers from automatically sending out notifications to merchants and their payers.
Customer Impact
Ensuring that merchants and their payers are promptly informed about successful invoice payments is critical for maintaining trust and operational efficiency.

Invoicing Enables Merchants to Override Field Labels

Products Included:
  • Invoicing
Region/Country:
 Global
Internal Feature Number:
 13337
Merchants can override the default field labels when invoices are created and edited.
Customer Impact
Merchants can rename fields to suit their business needs.

Pay By Link Merchant Branding

Products Included:
 Pay by Link
Region/Country:
 Global
Internal Feature Number:
 13375
Merchants can customize the payment page for Pay by Link using their brand logo and color.
Customer Impact
Merchant branding improves customer experience and increases brand loyalty.

Buttonless Click to Pay

Products Included:
  • Unified Checkout (manual card entry and Click to Pay only)
  • Click to Pay Drop-in UI
Region/Country:
 Global
Internal Feature Number:
 119821
Description
This release enables clients to access the Manual Card Entry or Click to Pay screens within the Unified Checkout flow without having to present the
Checkout with Card
 button.
Merchant Impact
The payment experience can be loaded either within the client page, without customer interaction, or behind an existing debit/credit card payment option button that is already in place.
Benefit
Additional flexibility in designing the payment experience.

Paypak Added to Transaction Search and Details

Products Included:
 Transaction Search and Details
Region/Country:
 Pakistan
Internal Feature Number:
 15075
Description
Paypak transactions are available as a transaction search filter and in the Transaction Details page.
Benefit
Increased visibility into payment transactions.

Payer Interface Upcoming Features

Bank Identification Number to Be Returned in API Response of Tokenized Payments

Products Included:
  • Click to Pay through Unified Checkout
  • Click to Pay Drop-in UI
Region/Country:
 Global
Expected Release Date:
 August 2025
Internal Feature Number:
 12799
When you make a payment request using Click to Pay, and the response includes a Network Token and Bank Identification Number (BIN) linked to the tokenized payment card, the BIN will also be available in the transient token. It will also appear in the Get Payment Credentials API response when the drop-in UI is used.
Customer Impact
This function is part of the Unified Checkout Biometric Authentication Support (FIDO) feature.

Account Verification Will Support Anticipated Amount

Products Included:
 Payments
Region/Country:
 Global
Expected Release Date:
 TBD
Internal Feature Number:
 13261
When merchants request an account verification, they will be able to send an anticipated amounts field in the request when using the Virtual Terminal.
Customer Impact
The Virtual Terminal page will include a new optional
Anticipated Amount
 field. This field will allow merchants to validate an account and provide the anticipated amount to the acquirer. Follow these steps to use this new feature in the Virtual Terminal:
  1. Select transaction type:
    Authorization
    .
  2. Check the
    Pre-Authorization with Anticipated Amount
     box.
  3. Enter the anticipated transaction amount into the
    Anticipated Amount
     field.
  4. Click
    Submit
    .

Audit Logging to Be Enabled for Invoicing and Pay by Link

Products Included:
  • Invoicing
  • Pay by Link
Region/Country:
 Global
Expected Release Date:
 TBD
Internal Feature Number:
 13331
The Audit Search feature of the Business Center will show audit logs for the creation and modification of invoices, as well as payment links and their settings. Audit logs are located on the
Tools > Audit Search
 page.
Customer Impact
This release will enable portfolio users to search audit logs for actions performed in a merchant's account and determine who performed those actions. It is important for resellers to know what actions were performed by the merchants themselves or by their support staff on behalf of the merchant. This feature enables the support team members with
read only
 access to safely view merchant information and support merchants.

Enhanced TMS Integration Features for the REST API

Products Included:
 Token Management Service
Region/Country:
 Global
Expected Release Date:
 August 2025
Internal Feature Number:
 13323
Description
Merchants who integrate the Token Management Service (TMS) using the REST API will have two new features that provide a streamlined implementation:
  • The ability to create all elements of a TMS token (Customer, Payment Instrument, and Instrument Identifier) in a single API request.
  • The ability to create a TMS token using a transient token that has been generated by Flex Microform on a TMS REST API endpoint.
Benefit
These features will streamline token implementations for clients using the REST API by reducing the amount of API calls needed to manage customer data. It will also provide simpler integration options when managing transient token data generated by Flex Microform.
Merchant Impact
Merchants who want to use the new features are required to integrate to a new TMS API.

Upcoming Enhancements to the Billing Portal

Products Included:
 Billing Portal in the Business Center
Region/Country:
 Global
Expected Release Date:
 August 2025
Internal Feature Number:
 14801
Description
The billing portal in the Business Center will be updated to allow users to view and update the billing address and purchase order of accounts that can be invoiced.
Benefit
Increased visilibity and time savings.
Merchant Impact
This update will eliminate the need of users to call client support for these operations.

Support for Customer Redirect after the Transaction

Products Included:
 Invoicing and Unified Checkout
Region/Country:
 Global
Expected Release Date:
 TBD
Internal Feature Number:
 20910
Description
Merchants can specify a custom page to appear after an invoice, purchase, or donation payment occurs.
Merchant Impact
Merchants can control which page their customers see after a successful or declined payment.
Benefit
Merchants manage the customer experience better by redirecting the customer to a page of the merchant's choice after a transaction.

Unified Checkout to Support New Alternative Payment Types

Products Included:
 Unified Checkout
Region/Country:
 Global
Expected Release Date:
 July 2025
Internal Feature Number:
 18067
Description
Unified Checkout will support new alternative payment methods, offering enhanced flexibility for merchants and their customers. The new alternative payment methods must be enabled before Unified Checkout can leverage them.
These new payment methods will be available for Unified Checkout:
  • Afterpay: a Buy Now Pay Later solution that allows customers to purchase products immediately and pay in four interest-free installments, provided payments are made on time. Afterpay is available in Australia, Canada, and New Zealand. In the United States, it is known as
    Cash App Afterpay
    . In the United Kingdom, it is known as
    Clearpay
    .
  • iDEAL: this e-commerce payment system, popular in the Netherlands, enables customers to pay for goods directly from their bank accounts using online bank transfers to the merchant's account.
  • Multibanco: widely used in Portugal, Multibanco enables consumers to pay for various goods and services, including e-commerce transactions, licenses, and taxes. This payment method can be used post-purchase using bank transfer or with a Multibanco card at an ATM. With more than 12,000 machines nationwide, Multibanco is a key payment method for Portuguese consumers and is supported by all banks in Portugal, making it accessible to all Portuguese online shoppers.
Merchant Impact
To use this functionality in Unified Checkout, ensure that the
allowedPaymentTypes
 field within the
v1/capture-contexts
 endpoint is updated to include the new payment types. For example:
"allowedPaymentTypes": ["AFTERPAY", “iDEAL”, “MULTIBANCO”]
Benefit
By integrating these alternative payment methods, Unified Checkout ensures that merchants can offer a broad range of payment options, catering to their global customer base and enhancing the overall shopping experience.

Recurring Billing to Support Turning Off Notifications to Payer

Products Included:
 Recurring Billing
Region/Country:
 Global
Expected Release Date:
 TBD
Internal Feature Number:
 20098
Description
This feature provides a mechanism for the merchants to turn off the notifications that are sent to their payer. This feature will be included on the Recurring Billing Settings page in the Business Center.
Merchant Impact
Enables merchants to stop sending notifications to their payer.
Benefit
More control of notifications can be helpful for branding or to prevent duplicate messaging.

Visa Push Account Updater

Products Included:
 Push Account Updater
Region/Country:
  • North America
  • European Union
  • Asia Pacfic
Expected Release Date:
 TBD
Internal Feature Number:
 17480
Description
Visa Acceptance Solutions is launching a new way to update Visa Primary Account Numbers (PANs) using Push Account Updater. Push Account Updater is a new implementation model of Account Updater that enables you to subscribe PAN credentials to receive updates from the issuer when they occur.
Merchant Impact
You can implement this feature through the Token Management Service. Push Account Updater requires enrollment to Visa Account Updater. It is configured at the product level and subscribed through token creation calls.
Benefit
Push Account Updater allows merchants to subscribe their Visa credentials for real-time PAN updates, as they are made available by the Issuer.

PAX D135 to Be Supported As Acceptance Device

Products Included:
 Acceptance Devices
Region/Country:
 US
Expected Release Date:
 September 2025
Internal Feature Number:
 13508
Description
The PAX D135 terminal will be added as a supported device in the Acceptance Devices terminals portfolio.
Merchant Impact
The terminal must be enabled in the SDK.
Benefit
Additional devices give merchants more flexibility.

Unified Checkout and Microform to Expand Regional Support

Products Included:
 Unified Checkout and Microform
Region/Country:
 UAE/Korea/Global
Expected Release Date:
 September 2025
Internal Feature Number:
 22787
Description
We have expanded the regional payment capabilities of Microform and Unified Checkout by adding support for several new card networks:
  • Jaywan (UAE)
  • Korea Cyber Payment (Korean)
  • Universal Air Travel Plan for airlines and travel merchants
Microform and Unified Checkout now support transactions with Jaywan and Korea Cyber Payment domestic card schemes, giving merchants more flexibility and access to new markets. Airlines and travel industry merchants can now accept Universal Air Travel Plan cards on their e-commerce platforms using Microform and Unified Checkout.
Merchant Impact
To enable these card schemes in both Unified Checkout and Microform, add
JAYWAN
,
UATP
, and
KCP
 to the
allowedCardNetworks
 field in your capture context request:
allowedCardNetworks
: ["JAYWAN", "UATP", "KCP"]
Benefit
Jaywan: Accept Jaywan cards to reach more customers in the UAE.
KCP: Accept KCP cards to expand your customer base in Korea.
UATP: Airlines and travel merchants can now process UATP card payments, broadening payment options for travellers.

Acceptance Devices to Support EBT Payments

Products Included:
 Acceptance Devices
Region/Country:
 US
Expected Release Date:
 September 2025
Internal Feature Number:
 25902
Description
Acceptance Devices will now support the processing of EBT SNAP and Cash magstripe cards through Visa Platform Connect.
Merchant Impact
The new transaction type must be enabled in the PAX SDK.
Benefit
More payments and new customers.

Unified Checkout to Support Dual-Brand Cards for Cartes Bancaires

Products Included:
 Unified Checkout
Region/Country:
 European Union
Expected Release Date:
 September 2025
Internal Feature Number:
 13154
Description
For merchants who offer Cartes Bancaires as a supported payment type, a radio button selector will offer cardholders the option of dual branded cards with both Visa and Mastercard. This update will allow the customer to chose which payment scheme they would like use to process the payment. The radio button will default to the scheme specified by the merchant in the Capture Context request, but the payment will be processed using the scheme selected by the customer in Unified Checkout.
Merchant Impact
Merchants must upgrade to the new version of Unified Checkout.
Benefit
Enables merchants in the EU who offer Cartes Bancaires to comply with EU regulations for consumer choice on dual branded cards for this scheme.

Payment Processing Upcoming Features

Updating
FDC Compass
 Level II and Level III Processing to the June 2024 Specification

Products Included:
 Level II and III Payments
Region/Country:
 Global
Expected Release Date:
 TBD
Internal Feature Number:
 17088
FDC Compass
 released a new Level II and Level III processing specification on June 2024. The
Cybersource
 Payment API will be updated to comply with this specification. It will enable customers using the
FDC Compass
 processor to continue receiving the advertised commercial card rates for all eligible cards when they supply the documented fields in the correct format and length.

AFT Transactions to Be Available on
FDC Nashville Global

Products Included:
 Account Funding Transactions
Region/Country:
 Global
Expected Release Date:
 TBD
Internal Feature Number:
 14934
Account Funding Transactions (AFTs) and Mastercard MoneySend transactions will be supported on the
FDC Nashville Global
 processor. AFTs and Mastercard MoneySend allow customers to withdraw funds from one account and deposit the funds into a second account. AFTs can be used only to transfer funds between two accounts owned by the same individual or entity. For example, an AFT can be used to load a prepaid card from a checking account, as long as both accounts are owned by a single person or entity.
This feature will comply with both the Visa and Mastercard mandates.

Adding Mastercard Processing on
Visa Platform Connect
 in Colombia

Products Included:
 Payments
Region/Country:
 Colombia
Expected Release Date:
 TBD
Internal Feature Number:
We currently process Visa transactions in Colombia, including installment payments, on Visa Platform Connect. We will expand our capabilities to include Mastercard domestic transactions with installment options. This enhancement will broaden our payment and installment capabilities in the Colombia region.

Support for Card Present Retail Contactless Transaction for ITMX

Products Included:
 Card-Present
Region/Country:
 Thailand
Expected Release Date:
 TBD
Internal Feature Number:
 17724
The Interbank Transaction Management and Exchange (ITMX) will be supported by all card-present products with the Card-Present ITMX Mobility and Transport Transaction solution. This solution will obtain the ITMX certification for all card-present contactless transactions.

Support for Visa Card Payments on Apple Pay Will Be Available on
JCN Gateway

Products Included:
 Payments
Region/Country:
 Japan
Expected Release Date:
 TBD
Internal Feature Number:
 17614
Currently, the JCN Gateway legacy system processes transactions using Apple Pay for JCB and Mastercard. We will expand this capability to also include Visa cards. This enhancement will broaden our support for processing payments with Visa cards in the Japan region for Apple Pay.

Purchase Return Authorization to Be Enabled on Omnipay

Products Included:
 Purchase Return Authorization
Region/Country:
 European Union
Expected Release Date:
 August 2025
Internal Feature Number:
 13549
Traditionally, a refund transaction processed by a merchant, also known as an
offline credit
, could be processed without the authorization of the card issuer. This process can take anywhere from a few days to a month, leaving the customer without funds for an unknown length of time. Customers sometimes initiate chargeback requests when this happens.
Card networks now require an authorization request for every credit card credit or return transaction to provide real-time balance updates to cardholders. The credit response will include the authorization code, transaction ID, and authorization response code.
Customer Impact
This feature will benefit merchants and customers by speeding up refund processing and reducing occurrences of chargebacks that are created in error.

AFT to Be Supported Through OmniPay

Products Included:
  • Account Funding Transactions
Region/Country:
 Global
Expected Release Date:
 August 2025
Internal Feature Number:
 14657
With this release, merchants who process through Omnipay will be able to process Account Funding Transactions (AFT).
Customer Impact
An AFT is a transaction in which funds are withdrawn from a Visa or Mastercard account and used to fund another account. When an AFT is used independently to fund another Visa or non-Visa account, AFTs must only be used to fund an account belonging to the same individual or entity holding the account from which the funds have been pulled. For example, AFTs can be used for:
  • Loading or topping up prepaid card accounts.
  • Moving funds into another financial account, such as a savings account.
  • Acting as a funding source for person-to-person (P2P) money transfers.
  • Loading third-party digital wallets.

Prosa
 to Support Merchant-Initiated Transactions

Products Included:
 Payments
Region/Country:
 Global
Release Date:
 TBD
Internal Feature Number:
 9116
The
Prosa
 processor will support merchant-initiated transactions.
Customer Impact
This update enables
Prosa
 merchants to process recurring billing transactions, such as subscriptions.

Rule-Based Routing to Be Enabled

Products Included:
 Payments
Region/Country:
 Global
Release Date:
 TBD
Internal Feature Number:
 7018
Rule-based routing will be available for merchants who use the
Cybersource
 SOAP Toolkit. Routing configurations can include these conditions:
  • Card brand
  • Solution type
  • Funding source
  • Issuer country
  • Merchant country
  • Domestic or cross-border
  • ECI
  • Currency
  • Card verification
  • Issuer BIN
  • Issuer name
Merchants will be able to define up to 15 routing configurations and route them by priority.
When using rule-based routing, merchants will receive a processor code with the API response. Further, merchants will be able to generate transaction request reports with the InfoCode of each routing rule so that they can see which transactions were routed using the routing configurations.
Customer Impact
Rule-based routing will enable merchants using multiple processors to set up a rule-based routing scheme. The scheme will automatically specify the processor through which a payment will processed.

Payment Events to Be Supported by Webhooks

Products Included:
 Webhooks
Region/Country:
 Global
Expected Release Date:
 TBD
Internal Feature Number:
 14962
Description
These payment event fields will be available in webhooks:
  • payment.authorization.success
  • payment.authorization.failure
  • payment.capture.success
  • payment.capture.failure
  • payment.settlement.transfer.success
  • payment.settlement.transfer.failure
  • payment.status.update
Benefit
Increased visibility into payment events.

New Notifications for eCheck

Products Included:
 eCheck
Region/Country:
Global
Expected Release Date:
September 2025
Internal Feature Number:
 17596
eCheck information will soon be available in a variety of notifications for merchants and portfolio owners.
Email and SMS Messages to Merchants
eCheck information will be added to emails and SMS messages that the merchant receives, for these types of information:
  • Notice of change
  • Returns
  • Deficit recovery
  • Funding
  • Funding hold
Email and SMS Messages to Portfolio Owners
If merchant exceeds monthly processing limit, we continue accepting transactions for processing but we put the merchant account on a funding hold. The merchant will receive a notification about it and will be required to contact our Underwriting/Risk team to negotiate new processing limits and unblock the funding hold. With this release, we will also send SMS and email notifications to the portfolio owner of those merchants, notifying them about the funding hold application. This message enables the portfolio owner to manage the experience of the merchant and to be involved in the processing limit negotiations.
Webhoook Notifications for Transaction Status Change
A new webhook event subscription will be added that merchants can use to receive webhook notifications whenever a transaction status has changed.
Customer Impact
These webhook notifications will provide better transaction awareness, giving merchants more control of their operations.

Post-Processing Upcoming Features

Generating Reports with eCheck Transaction Using Reporting API

Products Included:
  • eCheck API
  • Reporting API
Region/Country:
US
Expected Release Date:
September 2025
Internal Feature Number:
 17596
Description
This upcoming release makes the following changes:
  • Merchants will be able to use the Reporting API to download standard reports and reconciliation reports containing eCheck transactions.
  • As soon as the merchant's eCheck application is accepted, the merchants account will be automatically subscribed to the three reconciliation reports (Funding, Chargeback and Deposit details reports).
Benefit
This update will give merchants more visibility into their payment solutions and make reconciliation reporting more convenient.

Visa Acceptance Platform Upcoming Features

Enabling Partners to Self-Serve and Manage the Standard Billing Data Package

Products Included:
 Billing
Region/Country:
 Global
Expected Release Date:
 TBD
Internal Feature Number:
 14950
Description
Reseller partners will be able to manage the Standard Billing Data Package subscription through the Business Center or Reporting REST APIs.
Benefit
This release will streamline the reseller's experience.
Merchant Impact
Existing reseller partners will not experience any changes. New reseller partners who need the Standard Billing Data Package should select the new
Standard Billing Data Package Report
, in the Report Type drop-down menu in the Business Center Reporting page. Alternatively, if they prefer to use the Reporting REST API, they must set the
reportDefinitionName
 field to
StandardBillingDataPackageClass
, select the applicable report fields, and choose a daily or monthly frequency value.

Risk Management Upcoming Features

Decision Manager User Interface Updates

Products Included:
 Decision Manager
Region/Country:
 Global
Expected Release Date:
 TBD
Internal Feature Number:
 8205
Description
The user interface for Decision Manager will be updated to make it more accessible.
Merchant Impact
Merchants who created processess that interact with Decision Manager through its user interface should verify that the user interface changes do not affect their custom processes.

Relaxing Data Validation Requirements for Decision Manager and Fraud Management Essentials

Products Included:
 Decision Manager, Fraud Management Essentials
Region/Country:
 Global
Expected Release Date:
 August 2025
Internal Feature Number:
 16907
Description
These fields are no longer required for Decision Manager and Fraud Management Essentials:
  • Cardholder first and last name
  • Email address
  • Billing address
  • Card type
With this enhancement, you should receive fewer DMMISSIGFIELD decline messages.
Decision Manager will no longer block transactions from expired cards. You should no longer receive DCARDEXPIRED decline messages.
Decision Manager will accept a broader range of card schemes. You should receive fewer DINVALIDCARD decilne message.
Merchant Impact
No action is required to receive these enhancements.
Benefit
This feature will provide for a better user experience across the two products. While Decision Manager and Fraud Management Essentials will not decline transactions with missing values for the fields listed above, more data will improve the model results. Users are encouraged to share as much quality data as possible.

Payer Authentication Configuration Version 3.0

Products Included:
 Payer Authentication
Region/Country:
 Global
Expected Release Date:
 TBD
Internal Feature Number:
 17580
Description
The Payer Authentication (3-D Secure) feature in the Business Center will be divided into basic and advanced functionality. Basic functionality will be provided by default. Merchants who need to configure multiple currencies can choose the Advanced functionality.
This release will also enable merchants to choose domestic payment card networks that are relevant to their business. The Payer Authentication page will display relevant payment card networks based on the merchant's template or country code and merchants will be able to choose additional payment card networks, based on their business needs.
In addition, the legacy user interface (version 1) for Payer Authentication has been updated based on security recommendations. Merchants can contact Customer Support if they need to update their Payer Authentication Cruise credentials.
Merchant Impact
This update is automatically available; you are not required to make any changes.
Benefit
This release will reduce the time and effort required from the merchant to configure Payer Authentication.

New Declined Payment Status Added to Fraud Management Essentials

Products Included:
 Fraud Management Essentials
Region/Country:
 Global
Expected Release Date:
 TBD
Internal Feature Number:
 17231
For all transactions that are screened by Fraud Management Essentials (FME), a new
declined
 status will be generated for any transaction that invokes a declination or error response from the card issuer. Today, these transactions are not included in FME. This status will be final and will not be subsequently editable. The introduction of this new status will allow:
  • Issuer declined transactions to appear in FME Order Search query results and Order Details screens.
  • Issuer declined transactions to be subject to marking tool functionality.
  • Issuer declined transactions to be included in total transaction volume across applicable FME reports and reporting capabilities.
Customer Impact
By identifying issuer declines and errors, merchants will be able to track issuer decline rates, allowing them to detect changes that may adversely impact their payments.