Do Not Honor Edits For 2022

Announcements from major credit card companies have been frequent in 2021. With the adult content revisions announced earlier this year, we have now met another significant update.

This article will break down the edits and what it means for customers regarding Do Not Honor.

Mastercard has announced they are introducing two new issuer Do Not Honor edits to their Data Integrity Monitoring Program. Mastercard will begin monitoring issuer declines with these changes, specifically with the response code 05, Do Not Honor (DNH), in efforts to ensure response code 05 doesn’t make up more than five percent of an issuer’s card-not-present (CNP) declines per month.

Visa has also announced that they are rolling out a similar program that targets Do Not Honor.

So, What Is Mastercard Doing?

They will be monitoring issuer submission of the response code within data element 39 for 05 DNH CNP declined transactions over five percent of all CNP declines in authorization request response/0110 and financial transaction request response/0210 messages.

Effective Dates To Note

  • January 1, 2022, monitoring begins
  • February 1, 2022, notifications begin
  • July 1, 2022, comply by date
  • August 28, 2022, Assessments begin

Customer Benefits

The Mastercard Data Integrity edits will help create a much better experience for acquirers, merchants, and cardholders by enforcing a new standard.

Region

The following are the regions that are requiring this:

  • Asia
  • Canada
  • Latin America
  • United States

Wrapping Up

It is expected that there will be many more updates and changes in the coming months. Be sure to subscribe to our newsletter to stay up to date with the latest in the credit card processing world.