Mastercard SPME §8.5 · Jun 2022 → May 2023

Issuer Monitoring Program (IMP)

substantive

The section describing the Issuer Monitoring Program (IMP), which set standards for issuer chargeback behavior and encouraged ongoing monitoring of fraud and chargeback performance, has been removed entirely.

Sources Mastercard SPME · Jun 2022 · page 78 PDF Mastercard SPME · May 2023 PDF Chargeback Handling current

Also in §8.x this release substantive §8 Separation control substantive §8.6 Coercion Program substantive §8.6.1 Issuer Submissions substantive §8.6.2 Investigation Process substantive §8.6.5 Chargeback Responsibility substantive §8.7.5 Assessments, Recovery Amounts, and Fees

Why these edits? The removal of the Issuer Monitoring Program (IMP), which set minimum standards for issuer chargeback behavior and monitoring, affects policies related to chargeback management and handling, as previously governed by section 8.5.

Mastercard SPME §8.5

This section was substantively restructured between versions (0% text overlap). Compare the texts directly below.

Before · Jun 2022 · page 78

The Issuer Monitoring Program (IMP) establishes minimum standards of acceptable Issuer chargeback behavior and identifies Issuers that fail to meet such minimum standards. Mastercard encourages each Issuer to closely monitor, on an ongoing basis, its performance as it relates to managing fraud and chargebacks.

After · May 2023

Halyard Pay · 1 file

Chargeback Handling · rules.yaml

program: Chargeback Handling
- authority: Mastercard SPME §10.1
+ authority: Mastercard SPME 8.5 removed9, §10.1
acknowledgement_business_days: 1
lifecycle_states:
  - first_presentment
  - chargeback
  - second_presentment
  - pre_arbitration
  - arbitration
evidence_requirements:
  first_presentment:
    - transaction_receipt
    - authorization_record
  chargeback:
    - merchant_rebuttal_letter
    - delivery_confirmation
    - customer_communication
  second_presentment:
    - compelling_evidence
    - signed_cardholder_agreement
  pre_arbitration:
    - full_dispute_record
    - prior_correspondence
  arbitration:
    - full_dispute_record
    - arbitration_filing
agent_owner: chargeback_agent
+ 
+ # Note: The Issuer Monitoring Program (IMP) referenced in Mastercard SPME §8.5 has been removed.
+ # Therefore, policies specifically referencing IMP chargeback standards are no longer applicable.
+ # Our policy now references the current active sections only, reflecting that the issuer monitoring
+ # requirements under §8.5 are no longer in effect.

This change affects YAML rules only — see the side-by-side or raw diff tabs.

--- a/policies/chargeback_handling/rules.yaml
+++ b/policies/chargeback_handling/rules.yaml
@@ -1,5 +1,5 @@
 program: Chargeback Handling
-authority: Mastercard SPME §10.1
+authority: Mastercard SPME 8.5 removed9, §10.1
 acknowledgement_business_days: 1
 lifecycle_states:
   - first_presentment
@@ -25,3 +25,8 @@
     - full_dispute_record
     - arbitration_filing
 agent_owner: chargeback_agent
+
+# Note: The Issuer Monitoring Program (IMP) referenced in Mastercard SPME §8.5 has been removed.
+# Therefore, policies specifically referencing IMP chargeback standards are no longer applicable.
+# Our policy now references the current active sections only, reflecting that the issuer monitoring
+# requirements under §8.5 are no longer in effect.