The compliance dates to switch to Account Funding Transactions (AFTs) are below:
- January 31, 2025: All merchants in the US must process AFTs for Visa mandated use cases. We've asked Visa for an extension to this date and we're waiting for their response.
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April 30, 2025: All merchants in Europe and the UK must process AFTs for Visa mandated use cases.
- April 30, 2025: All merchants processing under MCCs 6051* (cryptocurrency), 7800 / 7801 / 7802 / 7994 (Gaming/Gambling), and 6211 (Securities) in the US must process AFTs for Mastercard.
- July 1, 2025: All in-scope merchants in APAC and MENA must process AFTs for Visa mandated use cases.
- July 1, 2025: All merchants that process under MCC 4829 (money transfer) or 6538 / 6540 (funding transactions) must process AFTs for Mastercard globally.
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August 15, 2025: All merchants that process under MCCs 6051* (cryptocurrency), 7800 / 7801 / 7802 / 7994 (Gaming/Gambling), and MCC6211 (Securities) must process AFTs for Mastercard in Europe and the UK.
- October 15, 2025: All merchants under MCCs 6051* (cryptocurrency) and 6211 (Securities) must process AFTs for Mastercard in MENA.
* You can still process direct purchase of cryptocurrency as purchase transactions for Mastercard. However, if your customers use the cryptocurrency to load an account for future purchases, you must process the transaction as an AFT.