MasterCard Regulation Update

November 5, 2014

In an effort to keep our club owners and their fitness staff abreast of changes in regards to credit and debit card policy and processes, we are sending out this email to notify you of changes that will be implemented with MasterCard on October, 17th 2014. MasterCard is rolling out a new regulation regarding reattempts on all Card Not Present (CNP) transactions.  This change will affect Card on File, Manual entry and Club Account Submissions. Please take the time to read through, and if you have any questions, please don’t hesitate to contact your account manager at 1-866-470-0550.

MasterCard – Change to Declined Authorization Rules

Effective October 17, 2014 if a US merchant initiates an authorization request for a CNP transaction and receives any one of the following decline codes in the authorization response, the merchant must not initiate any additional authorization requests for the same transaction at any time.  Continued attempts can result in a $1,000 fine per violation.

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Decline Codes and Descriptions

  • 303 – Pickup Card
  • 301 – Invalid Account Number
  • 323 – No Such Issuer
  • 304 – Pickup Card – Lost Card
  • 304 – Pickup Card – Stolen Card
  • 305 – Expired Card

If you obtain an updated expiration date or account number from your customer, you may resubmit the transaction for authorization using the updated account information.