Compliance
Card network rules and merchant obligations
Card networks set rules merchants must follow to keep processing rights. Breaching them can lead to fines or termination.
1
Dispute monitoring programmes
Visa Dispute Monitoring Programme and Mastercard Excessive Chargeback Programme set ratio thresholds that trigger penalties.
2
Merchant categorisation
Correct MCC use is a scheme requirement and affects interchange and dispute handling.
3
Content and registrations
Certain content and business types require scheme registration before processing.
4
Customer disclosure
Billing descriptors, recurring billing disclosure, and refund policy all sit under scheme rules.
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