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Upcoming scheme mandate for Merchant-Initiated Transactions

Scheme: Mastercard

Region: Europe

Effective date: February 1, 2025

Requirement: You must provide the Trace ID for all Europe and United Kingdom (UK) Mastercard merchant-initiated transactions (MITs). This includes:

  • Subsequent subscription payments
  • Recurring transactions
  • Unscheduled transactions

A Trace ID is an identifier used by issuers and schemes to reference the original transaction that set up a subscription, recurring payment series, or unscheduled payment agreement.

You must provide the Trace ID in the previous_payment_id field when you make a call to the Payments endpoint.

Mastercard may issue fines for payments that do not include the Trace ID when required.

For more information, see our Recurring payments with stored card details documentation. 

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