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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 call the Request a payment endpoint.

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

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

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