AN 7725 Expanding Mastercard Debit Financial Inclusion

Type:
Switching release announcement
Executive overview
Mastercard is expanding the existing Mastercard Debit Financial
Audience: Inclusion product, card product code MPT.
Acquirer
Issuer Effective date details
Processor

Region:
Date Details
Global
12 April 2024 Dual Message System (Clearing)
Brand:
Debit Mastercard®

Release: Customer benefit

24.Q2
The Mastercard Debit Financial Inclusion product, card product code
Action indicator: MPT, can help expand the product options available to issuers.
Attention warranted (network-related):
acquirer, issuer What Mastercard is doing
Attention warranted (program or service
related): issuer Mastercard is expanding the current global acceptance of product code
Testing recommended: acquirer, issuer MPT to include additional interchange programs.

System: Mastercard is renaming product code MPT from Mastercard® Prepaid

Clearing
Debit Standard, Teen to Mastercard Debit Financial Inclusion.

Published: Version history

16 January 2024

Effective: Date Description of change

12 April 2024
16 January 2024 Initial publication date

Customer impact
This section provides high-level information about customer impact.
Refer to the Enhancements section for more details. Each customer
must determine the impact on its operations.

Attention warranted (network-related)

Acquirers and issuers globally must be aware of the expansion of product
code MPT to additional interchange rate designators (IRDs) within the
business service arrangements (BSAs) as described in this
announcement.
Acquirers and issuers globally should be aware that one IPM MPE table
will be updated with product code MPT as described in this
announcement.

© 2024 Mastercard. Proprietary. All rights reserved.

AN 7725 Expanding Mastercard Debit Financial Inclusion • 16 January 2024 1
Attention warranted (program or service related): issuer
Licensed issuers of the product code MPT must prepare to receive it in:
• Data Element (DE) 63 (Network Data), subfield 1 (Financial Network Code) in authorization messages.
• Both Private Data Subelement (PDS) 0002 (GCMS Product Identifier) and PDS 0003 (Licensed Product
Identifier) in clearing messages.

Testing recommended
Mastercard recommends testing for acquirers and issuers to support this release announcement.

Transaction message flows

How a customer connects to Mastercard determines the applicable message flows and transaction message
types. This announcement affects the message flows marked in the Transaction message flow impact table.

Transaction message flows

Acquirer to Mastercard Mastercard to issuer Impacted

Dual Message System Dual Message System √
Dual Message System Single Message System
Single Message System Single Message System
Single Message System Dual Message System

Enhancements
Mastercard will introduce changes to support this announcement.

Dual Message System (Clearing)

The Clearing Platform will support product code MPT for select IRDs within the following BSAs.

Type BSA
Interregional 1/010301, 1/020301, 1/040301, 1/050301, 1/060301
Intraregional 2/030001
Intracountry 4/170001

Related documentation
Information relevant to this release announcement can be found in the documents available on Mastercard
Connect™. Depending on timing, information provided in this release announcement may not be reflected in a
manual until after the effective dates of this release announcement.

Announcements
For information about Mastercard processing refer to: AN 8735 Introducing Mastercard Debit Financial Inclusion
in Colombia.

©
2024 Mastercard. Proprietary. All rights reserved.
2 16 January 2024 • AN 7725 Expanding Mastercard Debit Financial Inclusion
Reference manuals
For information about Mastercard processing refer to the:
• Customer Interface Specification
• Interchange and Service Fees Manual: Latin America and the Caribbean Region
• Interchange Manual Asia/Pacific Region
• IPM Clearing Formats
• Single Message System Specifications

Platform impact
For items marked √ (Yes), details are available in the corresponding sections.

Platform impact

Dual Message Dual Message

System System Single Message
Topic (Authorization) (Clearing) System
Message flows
Message layouts
Data element definitions
IPM MPE √
Interchange √
AB programs, descriptions, and associated MCCs
Edits
Error numbers
Alternate processing
Interchange compliance
Pricing and fees
Reports
Bulk files
Forms
Quarterly Mastercard reporting
Transaction Investigator
SAFE
Single Message Transaction Manager
250-byte Batch Data File
80-byte Financial Institution Table File

©2024 Mastercard. Proprietary. All rights reserved.

AN 7725 Expanding Mastercard Debit Financial Inclusion • 16 January 2024 3
Clearing
Mastercard will introduce changes to the Clearing Platform to support this announcement.

IPM MPE
Mastercard will update the noncompressed and optimized versions of the Integrated Product Messages (IPM)
Mastercard Parameter Extract (MPE) Table IP0096T1: Card Program Identifier and Product Restrictions with
product code MPT.

Interchange
Mastercard will modify or add new interchange programs to support this announcement.
Modified criteria for Colombia
Mastercard will modify existing interchange programs by adding product code MPT to specific IRDs within
select interregional, intraregional, and intracountry BSAs.

Interregional Interchange Programs

IRDs to which product

Acquiring region Issuing region BSA code MPT will be added
United States Latin America and the 1/010301 YA, YD, YG
Caribbean
Canada Latin America and the 1/020301 YA, YD, YG
Caribbean
Asia/Pacific Latin America and the 1/040301 YA, YD, YG
Caribbean
Europe Latin America and the 1/050301 YA, YD, YG
Caribbean
Middle East/Africa Latin America and the 1/060301 YA, YD, YG
Caribbean

Intraregional

IRDs to which product code MPT

Region BSA will be added
Latin America and the Caribbean 2/030001 YA, YD, YG

©
2024 Mastercard. Proprietary. All rights reserved.
4 16 January 2024 • AN 7725 Expanding Mastercard Debit Financial Inclusion
Intracountry

IRDs to which product code MPT

Country BSA will be added
Colombia 4/170001 10, 11, 12, 13, 14, 15, 16, 17, 18,
19, 1A, 1B, 2B, 3A, 3B, 4A, 4B, 5A,
5B, 6A, 6B, 7A, 8A, 9A, B8, CS

©2024 Mastercard. Proprietary. All rights reserved.

AN 7725 Expanding Mastercard Debit Financial Inclusion • 16 January 2024 5