MasterCard has removed the exclusion of MasterCard commercial cards from the merchant-only MasterCard SecureCode liability shift for domestic e-commerce transactions in the United States and Canada.
Commercial cards are now included as a valid product type for the SecureCode liability shift. An eligible e-commerce transaction may be subject to the merchant-only MasterCard SecureCode liability shift when the merchant has attempted cardholder authentication and the issuer has not provided an authentication response.
Additional Chargeback Guide Updates:
- An issuer will no longer be able to use the following chargeback message reason codes to charge back commercial card transactions if the merchant has made an authentication attempt:
- 4837 (No Cardholder Authorization)
- 4863 (Cardholder Does Not Recognize)
- An acquirer receiving a commercial card chargeback will be able to submit a second presentment on the basis that the chargeback was invalid