MRP - MasterCard Registration Program for high risk business. Each registration cost is $500 annual fee. It is impossible to register MID per MCC. Each merchant/URL must be registered separately.

Dating, MCC 7273 (is possible also 8641)

The following information must be provided by merchant to Financial Institution during onboarding process:

1. Company must be incorporated in European Union
2. Merchant must provide test account funded with credits
3. Merchant must provide agreements with each model that has account on website
4. Passport of each model
5. Age verification procedure detailed description
6. Invoices for the purchase of goods and contracts with service providers
7. URL with company contact information and registration data
8. One language of European Union on a website (not to violate cross-boarding license)*
9. Each dating merchant would be registered in MasterCard with MCC: 7273 in MRP (MasterCard Registration Program) - $500 annual fee. Fee must be paid by merchant or IPSP
10. Merchant must provide following corporate documents:
• Certificate of incorporation;
• Article of association;
• Memorandum of association;
• Shareholder register;
• Extract from register about directors and company dated no older than 15 days;
• Copies of passports (person who has sign rights and beneficiary owner);
• Banking details;
• Completed merchant questionnaire.
11. Policy description of how users personal data are stored and processed (for example age verification)
12. Description of users monitoring system (IP-address tracking, countries, documents control that are uploaded by users)
13. Website minimum requirements:
• Working website (not under development);
• Notice of age restrictions and terms & conditions about users identification;
• Terms of use on the website;
• Cancellation and refunds policy (obligatory by VISA and MC rules);
• SSL-certificate;
• Contacts section must contain following information: company contact information (phone number, email and etc.), company legal name with registration number and all other details;
• Placed VISA and MasterCard logotypes on main page;
• Payment methods description with available currency / currencies;
• Confidentiality agreement;
• Copyright;
• Obligatory presence of “Tick box” at the moment of payment for goods or services by the user, that he has read and agree with the terms & conditions and return policy.

* Not all acquiring banks are asking this.

Internet shops, MCC 5399, 5655, 5945 & etc.

The following information must be provided by merchant to Financial Institution during onboarding process:

1. Company must be incorporated in European Union
2. Invoices for the purchase of goods and contracts with service providers
3. URL with company contact information and registration data
4. URL with Privacy Policy
5. URL with Delivery options and policy
6. Detailed product or service description
7. Pricing description for products
8. One language of European Union on a website (not to violate cross-boarding license)*
9. Merchant must provide following corporate documents:
• Certificate of incorporation;
• Article of association;
• Memorandum of association;
• Shareholder register;
• Extract from register about directors and company dated no older than 15 days;
• Copies of passports (person who has sign rights and beneficiary owner);
• Banking details;
• Completed merchant questionnaire.
10. Website minimum requirements:
• Working website (not under development);
• Terms of use on the website;
• Cancellation and refunds policy (obligatory by VISA and MC rules);
• SSL-certificate;
• Contacts section must contain following information: company contact information (phone number, email and etc.), company legal name with registration number and all other details;
• Placed VISA and MasterCard logotypes on main page;
• Payment methods description with available currency / currencies;
• Confidentiality agreement;
• Copyright;
• Obligatory presence of “Tick box” at the moment of payment for goods or services by the user, that he has read and agree with the terms & conditions and return policy.

* Not all acquiring banks are asking this.

Tobacco (& e-cigarettes), MCC 5993 (is possible also)

The following information must be provided by merchant to Financial Institution during onboarding process:

1. Company must be incorporated in European Union
2. The license for the sale of excisable goods (tobacco) in each country where the product will be on sale
3. Each tobacco merchant would be registered in MasterCard with MCC: 5993 in MRP (MasterCard Registration Program) - $500 annual fee. Fee must be paid by merchant or IPSP
4. Description of the process for identification of customers at the time of delivery (check age 18)
5. URL with company contact information and registration data
6. One language of European Union on a website (not to violate cross-boarding license)*
7. Merchant must provide following corporate documents:
• Certificate of incorporation;
• Article of association;
• Memorandum of association;
• Shareholder register;
• Extract from register about directors and company dated no older than 15 days;
• Copies of passports (person who has sign rights and beneficiary owner);
• Banking details;
• Completed merchant questionnaire.
8. Website minimum requirements:
• Working website (not under development);
• Terms of use on the website;
• Cancellation and refunds policy (obligatory by VISA and MC rules);
• SSL-certificate;
• Contacts section must contain following information: company contact information (phone number, email and etc.), company legal name with registration number and all other details;
• Placed VISA and MasterCard logotypes on main page;
• Payment methods description with available currency / currencies;
• Confidentiality agreement;
• Copyright;
• Obligatory presence of “Tick box” at the moment of payment for goods or services by the user, that he has read and agree with the terms & conditions and return policy.
9. With sales over the Internet, Payment Service Provider open only BIN number for those countries where merchant got a license to engage in this activity. All other countries and payment cards from them would be blocked by Anti-Fraud system

About e-cigarettes:

If there is a sale of electronic cigarettes without nicotine fillers, it it considered as Electronic goods. If there is a nicotine in the product, the products is subject to certification as excise and requires a license and appropriate restrictions. In some European countries it is allowed to sell e-cigarettes with nicotine without any license with AML department must investigate this questions case by case.

* Not all acquiring banks are asking this.

Telecom merchants, MCC 4814, 4816

The following information must be provided by merchant to Financial Institution during onboarding process:

1. Company must be incorporated in European Union
2. Merchant must provide test account
3. URL with company contact information and registration data
4. One language of European Union on a website (not to violate cross-boarding license)*
5. Merchant must provide telecommunication license on his business
6. Merchant must provide following corporate documents:
• Certificate of incorporation;
• Article of association;
• Memorandum of association;
• Shareholder register;
• Extract from register about directors and company dated no older than 15 days;
• Copies of passports (person who has sign rights and beneficiary owner);
• Banking details;
• Completed merchant questionnaire.
7. Website minimum requirements:
• Working website (not under development);
• Terms of use on the website;
• Cancellation and refunds policy (obligatory by VISA and MC rules);
• SSL-certificate;
• Contacts section must contain following information: company contact information (phone number, email and etc.), company legal name with registration number and all other details;
• Placed VISA and MasterCard logotypes on main page;
• Payment methods description with available currency / currencies;
• Confidentiality agreement;
• Copyright;
• Obligatory presence of “Tick box” at the moment of payment for goods or services by the user, that he has read and agree with the terms & conditions and return policy.

* Not all acquiring banks are asking this.

Apartment rent, MCC 6513, 7211

The following information must be provided by merchant to Financial Institution during onboarding process:

1. Company must be incorporated in European Union
2. Merchant must provide test account
3. URL with company contact information and registration data
4. Contract with landlords or documents on the ownership of real estate
5. One language of European Union on a website (not to violate cross-boarding license)*
6. Merchant must provide following corporate documents:
• Certificate of incorporation;
• Article of association;
• Memorandum of association;
• Shareholder register;
• Extract from register about directors and company dated no older than 15 days;
• Copies of passports (person who has sign rights and beneficiary owner);
• Banking details;
• Completed merchant questionnaire.
7. Website minimum requirements:
• Working website (not under development);
• Terms of use on the website;
• Cancellation and refunds policy (obligatory by VISA and MC rules);
• SSL-certificate;
• Contacts section must contain following information: company contact information (phone number, email and etc.), company legal name with registration number and all other details;
• Placed VISA and MasterCard logotypes on main page;
• Payment methods description with available currency / currencies;
• Confidentiality agreement;
• Copyright;
• Obligatory presence of “Tick box” at the moment of payment for goods or services by the user, that he has read and agree with the terms & conditions and return policy.

* Not all acquiring banks are asking this.

Ticket services, MCC 7922

The following information must be provided by merchant to Financial Institution during onboarding process:

1. Company must be incorporated in European Union
2. Provide agreements with:
• Concert organizers (if they sell concert tickets);
• Sports clubs or their official representatives / agents who are on the website of sports organizations (for example football or hockey tickets).
3. URL with company contact information and registration data
4. One language of European Union on a website (not to violate cross-boarding license)*
5. Merchant must provide following corporate documents:
• Certificate of incorporation;
• Article of association;
• Memorandum of association;
• Shareholder register;
• Extract from register about directors and company dated no older than 15 days;
• Copies of passports (person who has sign rights and beneficiary owner);
• Banking details;
• Completed merchant questionnaire.
6. Website minimum requirements:
• Working website (not under development);
• Terms of use on the website;
• Cancellation and refunds policy (obligatory by VISA and MC rules);
• SSL-certificate;
• Contacts section must contain following information: company contact information (phone number, email and etc.), company legal name with registration number and all other details;
• Placed VISA and MasterCard logotypes on main page;
• Payment methods description with available currency / currencies;
• Confidentiality agreement;
• Copyright;
• Obligatory presence of “Tick box” at the moment of payment for goods or services by the user, that he has read and agree with the terms & conditions and return policy.

* Not all acquiring banks are asking this.

File Sharings and Hosting Providers, MCC 4816

The following information must be provided by merchant to Financial Institution during onboarding process:

1. Company must be incorporated in European Union
2. Merchant must provide test account
3. Merchant must provide content monitoring system that is uploaded by users / clients
4. URL with company contact information and registration data
5. Merchant must provide a description of his actions at the request of law enforcement agencies in relation to posted content on his websites or web-servers
6. One language of European Union on a website (not to violate cross-boarding license)*
7. Merchant must provide following corporate documents:
• Certificate of incorporation;
• Article of association;
• Memorandum of association;
• Shareholder register;
• Extract from register about directors and company dated no older than 15 days;
• Copies of passports (person who has sign rights and beneficiary owner);
• Banking details;
• Completed merchant questionnaire.
8. Website minimum requirements:
• Working website (not under development);
• Terms of use on the website;
• Cancellation and refunds policy (obligatory by VISA and MC rules);
• SSL-certificate;
• Terms of Use on the website (must include responsibility for posting child pornography);
• Warning message placement next content: rape, bestiality, violation, incest;
• DMCA compliance (It includes criminal liability for production and dissemination of technology, devices, or services that violate the rights of intellectual property);
• Contacts section must contain following information: company contact information (phone number, email and etc.), company legal name with registration number and all other details;
• Placed VISA and MasterCard logotypes on main page;
• Payment methods description with available currency / currencies;
• Confidentiality agreement;
• Copyright;
• Obligatory presence of “Tick box” at the moment of payment for goods or services by the user, that he has read and agree with the terms & conditions and return policy.

* Not all acquiring banks are asking this.

Gambling, MCC 7995

The following information must be provided by merchant to Financial Institution during onboarding process:

1. Company must be incorporated in European Union
2. Copy of Gambling License. From the provided documentation, it should follow that the applying company is officially owned by the company holding the gambling license. Approved Online Gambling Licenses: EU such a Malta, UK, Gibraltar, Isle of Man or any other jurisdiction
3. Copy of Gambling License from Lotteries and Gambling Supervision Inspection of Latvia to operate in Latvian market and with Latvian companies 
4. Copy of Fraud Management Procedures (KYC, AML & PAYOUTS)
5. Confirmation, on the Merchant’s Stationary, signed by the Director/Secretary, stating that the website is wholly owned and operated by the merchant (plus a “domain registration” document stating the official owner of the website; can be found online
6. An ability to provide recommendation / reference / account statements from the previous bank-acquirer on the Bank’s demand
7. URL with company contact information and registration data
8. One language of European Union on a website (not to violate cross-boarding license)*
9. Merchant must provide following corporate documents:
• Certificate of incorporation;
• Article of association;
• Memorandum of association;
• Shareholder register;
• Extract from register about directors and company dated no older than 15 days;
• Copies of passports (person who has sign rights and beneficiary owner);
• Banking details;
• Completed merchant questionnaire.
10. Website minimum requirements:
• Working website (not under development);
• Terms of use on the website;
• Cancellation and refunds policy (obligatory by VISA and MC rules);
• SSL-certificate;
• The statement “Internet Gambling may be illegal in the jurisdiction in which you are located; if so, you are not authorized to use your payment card to complete this transaction”;
• A statement of the Cardholder's responsibility to know the laws concerning online gambling in his or her country of domicile;
• A statement prohibiting the participation of minors;
• A complete description of all of the following: Rules of play; Cancellation policies; Pay-out policies;
• Contacts section must contain following information: company contact information (phone number, email and etc.), company legal name with registration number and all other details;
• Placed VISA and MasterCard logotypes on main page;
• Payment methods description with available currency / currencies;
• Confidentiality agreement;
• Copyright;
• Obligatory presence of “Tick box” at the moment of payment for goods or services by the user, that he has read and agree with the terms & conditions and return policy.

* Not all acquiring banks are asking this.

Forex, MCC 6211

The following information must be provided by merchant to Financial Institution during onboarding process:

1. Company must be incorporated in European Union
2. The merchant will need to have a license in place of registration or must be a member of org-like Krouff (independent association of "quality")
3. Merchant must provide AML and KYC policies
4. Merchant must provide clear company structure
5. Merchant must provide liquidity agreement with CFH
6. Merchant must provide utility bill for business owners
7. URL with company contact information and registration data
8. One language of European Union on a website (not to violate cross-boarding license)*
9. Merchant must provide following corporate documents:
• Certificate of incorporation;
• Article of association;
• Memorandum of association;
• Shareholder register;
• Extract from register about directors and company dated no older than 15 days;
• Copies of passports (person who has sign rights and beneficiary owner);
• Banking details;
• Completed merchant questionnaire.
10. Website minimum requirements:
• Working website (not under development);
• Terms of use on the website;
• Cancellation and refunds policy (obligatory by VISA and MC rules);
• SSL-certificate;
• Add the policy that prohibit the registration of the US citizens and its territories and put it in the terms of use in the footer of the page;
• Contacts section must contain following information: company contact information (phone number, email and etc.), company legal name with registration number and all other details;
• Placed VISA and MasterCard logotypes on main page;
• Payment methods description with available currency / currencies;
• Confidentiality agreement;
• Copyright;
• Obligatory presence of “Tick box” at the moment of payment for goods or services by the user, that he has read and agree with the terms & conditions and return policy.

* Not all acquiring banks are asking this.

Gaming, MCC 7841, 7994

The following information must be provided by merchant to Financial Institution during onboarding process:

1. Company must be incorporated in European Union
2. The merchant will need to have a license in place of registration or must be a member of org-like Krouff (independent association of "quality") and additional license in Latvia to operate with Financial Institution payment institution
3. Merchant must provide AML and KYC policies
4. Merchant must provide clear company structure
5. Merchant must provide liquidity agreement with CFH
6. Merchant must provide utility bill for business owners
7. URL with company contact information and registration data
8. One language of European Union on a website (not to violate cross-boarding license)*
9. Merchant must provide following corporate documents:
• Certificate of incorporation;
• Article of association;
• Memorandum of association;
• Shareholder register;
• Extract from register about directors and company dated no older than 15 days;
• Copies of passports (person who has sign rights and beneficiary owner);
• Banking details;
• Completed merchant questionnaire.
10. Website minimum requirements:
• Working website (not under development);
• Terms of use on the website;
• Cancellation and refunds policy (obligatory by VISA and MC rules);
• SSL-certificate;
• Add the policy that prohibit the registration of the US citizens and its territories and put it in the terms of use in the footer of the page;
• Contacts section must contain following information: company contact information (phone number, email and etc.), company legal name with registration number and all other details;
• Placed VISA and MasterCard logotypes on main page;
• Payment methods description with available currency / currencies;
• Confidentiality agreement;
• Copyright;
• Obligatory presence of “Tick box” at the moment of payment for goods or services by the user, that he has read and agree with the terms & conditions and return policy.

Travel services, MCC 4722, 5962

The following information must be provided by merchant to Financial Institution during onboarding process:

1. Company must be incorporated in European Union
2. The presence of the merchant contract with Flights offices, hotels and other companies whose services are provided indirectly to the customer
3. An ability to provide recommendation / reference / account statements from the previous bank-acquirer on the Bank’s demand
4. Merchant or his partner (under a contract) certificate: The European Travel Agents 'and Tour Operators' Associations (ECTAA), European Tour Operators Association (ETOA) and the International Road Transport Union (IRU), ASTA (www.asta.org), IATA (airlines)
5. Direct access (via partner) to the CRS reservation system (airlines)
6. Clearly stated financial responsibility in the contract with the agents
7. Availability of travel agency forms on the web site, where customers specify their personal data, ability to store the data
8. URL with company contact information and registration data
9. One language of European Union on a website (not to violate cross-boarding license)*
10. Merchant must provide following corporate documents:
• Certificate of incorporation;
• Article of association;
• Memorandum of association;
• Shareholder register;
• Extract from register about directors and company dated no older than 15 days;
• Copies of passports (person who has sign rights and beneficiary owner);
• Banking details;
• Completed merchant questionnaire.
11. Website minimum requirements:
• Working website (not under development);
• Terms of use on the website;
• Cancellation and refunds policy (obligatory by VISA and MC rules);
• SSL-certificate;
• Contacts section must contain following information: company contact information (phone number, email and etc.), company legal name with registration number and all other details;
• Placed VISA and MasterCard logotypes on main page;
• Payment methods description with available currency / currencies;
• Confidentiality agreement;
• Copyright;
• Obligatory presence of “Tick box” at the moment of payment for goods or services by the user, that he has read and agree with the terms & conditions and return policy.

* Not all acquiring banks are asking this.

MOTO, MCC by merchant type from Quick Reference Booklet

The following information must be provided by merchant to Financial Institution during onboarding process:

1. Company must be incorporated in European Union
2. Samplepage / Shadowpage / Screenshots of the gateway (Where the telemarketer asks the customer for first name, last name, address, city, zip, country, card type, credit card number, CVV, date, and show the invoice number and the trade date)
3. Detailed Marketing strategy (What media are used to draw customer attention to the products/services sold)
4. Copy of a typical advertisement of your company
5. Copy of a sample invoice or confirmation of order / delivery note
6. Tape / recording / WAV-file or script of a typical sales conversation
7. Obligatory usage of CVV2 code in authorization process
8. URL with company contact information and registration data
9. One language of European Union on a website (not to violate cross-boarding license)*
10. Merchant must provide following corporate documents:
• Certificate of incorporation;
• Article of association;
• Memorandum of association;
• Shareholder register;
• Extract from register about directors and company dated no older than 15 days;
• Copies of passports (person who has sign rights and beneficiary owner);
• Banking details;
• Completed merchant questionnaire.
11. Website minimum requirements:
• Working website (not under development);
• Terms of use on the website;
• Cancellation and refunds policy (obligatory by VISA and MC rules);
• SSL-certificate;
• Contacts section must contain following information: company contact information (phone number, email and etc.), company legal name with registration number and all other details;
• Placed VISA and MasterCard logotypes on main page;
• Payment methods description with available currency / currencies;
• Confidentiality agreement;
• Copyright;
• Obligatory presence of “Tick box” at the moment of payment for goods or services by the user, that he has read and agree with the terms & conditions and return policy.

* Not all acquiring banks are asking this.