Halyard Pay policy

ECP Thresholds

12 proposed revisions across 5 of 5 reviewed releases, including 1 breaking change.

Current policy

policy.md

Excessive Chargeback Program (ECP) Thresholds

Mastercard's Excessive Chargeback Program (ECP) identifies merchants whose chargeback activity exceeds defined monthly ratios relative to their transaction volume. Halyard Pay monitors merchant chargeback-to-transaction ratios on a monthly basis and escalates merchants that breach program tiers to the appropriate remediation track.

Program tiers

Two tiers define the escalation ladder:

Standard: chargeback-to-transaction ratio of 1.5% (0.015) or greater and at least 100 chargebacks in the month.
Excessive: ratio of 3.0% (0.03) or greater in the same measurement period.

Required actions

Calculate each merchant's chargeback-to-transaction ratio at month close.
Assign the merchant to the applicable tier if thresholds are met.
Open an ECP case and notify the merchant within five business days.
Track the merchant's progress on a monthly basis until they exit the program.
Escalate to chargeback agent for automated case management.

Source authority: Mastercard SPME §11.4.

rules.yaml

program: ECP
authority: Mastercard SPME §11.4
chargeback_to_transaction_ratio_threshold: 0.015
min_chargeback_count: 100
program_tiers:
  - standard
  - excessive
tier_thresholds:
  standard: 0.015
  excessive: 0.030
merchant_notification_business_days: 5
monitoring_cadence: monthly
agent_owner: ecp_ops_agent