The Visa Smart Debit / Credit Certificate Authority 1408-bit key has expired as of 31 December 2024. Acquirers must ensure the 1408-bit Public Key has been removed from terminals by 1 July 2025.

Visa and Mastercard are requiring all acquirers and all of their service providers, including merchant payment gateways, to adopt the EMV Click to Pay Acceptance Industry Standards for checkout in e-commerce in the Europe region. Click to Pay is based on EMVCo standardization, partnering with industry participants to streamline the checkout experience for cardholders and merchants. For Visa the effective  date is 18^th October 2025 and for Mastercard 1^st April 2026.

Effective 7 April MDES Authenticated transactions will offer Address Verification Services (AVS) and Card Validation Code 2 (CVC2) services for free.

Effective 6 October 2025, the AVS fee rate will be updated for the following countries:

Albania, Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Republic of Serbia, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland and United Kingdom.

The regulation in Greece that has imposed interchange fees caps on Domestic Greece consumer transactions for a period of three years, valid until May 2027, was updated recently and as a consequence Mastercard has published an update on its interchange fees changing the scope of the regulated fees from transactions up to EUR 10 to EUR 20, effective 20 January 2025.
 

The reduced interchange fees apply only to transactions having value lower than or equal to EUR 20 arising from merchants having three or less terminals that are not public limited companies and are linked to the following MCCs: 4121: Taxicabs, 5192: Books, Periodicals, Newspapers, 5331: Variety Stores, 5399: Miscellaneous General Merchandise Stores, 5411: Grocery Shops and Mini-markets, 5441: Candy, Nut, Confectionary shops, 5451: Dairy Products Stores, 5462: Bakeries, 5499: Miscellaneous Food Stores: Convenience Stores, Markets, Specialty Stores, 5697: Alterations, Mending, Seamstresses, Tailors, 5949: Fabric, Needleworks, Piece Goods and Sewing Stores, 5993: Cigar Stores and Stands, 5994: News Dealers and Kiosks, 7216: Dry Cleaners, 7251: Shoe Repair Shops.
 

Additionally, Mastercard will only apply the new Low Value interchange fees to transactions in scope flagged as so with specific Mastercard Assigned ID (MAID) 430291.

Effective 1 October 2025, Mastercard will introduce the Customer Performance Development Fee: No  Authentication for approved transactions in Ireland.