FAQs

Payment Facilitator Program FAQs

  1. What is a MasterCard Payment Facilitator?
  2. What does MasterCard consider a high-risk merchant?
  3. Why do high-risk merchants have to pay an extra registration fee?
  4. Does this registration fee go to CCBill?
  5. How do I register to accept MasterCard for transactions with CCBill?
  6. Do I have to pay an annual registration fee to accept MasterCard for transactions?
  7. Do I have to pay an annual fee for each URL I own?
  8. When do I have to pay the fee?
  9. I live in the EU and Visa doesn't make me pay an annual fee, is it the same with MasterCard?
  10. Can I register to accept MasterCard if I'm outside the US, Canada, and EU?
  11. How long does it take for my account to be approved by MasterCard?
  12. How will my MasterCard transactions show up on consumers' credit card statements?
What is a MasterCard Payment Facilitator?

MasterCard high-risk merchants differ from Visa high-risk merchants. MasterCard considers merchants to be high-risk if their site offers adult content or dating services. Your site may fall into a high-risk category for MasterCard even if it didn't qualify as a high-risk site for other card types.
You can find more information on the difference between high- and low-risk merchants for different card types in this article: Risk Difference between Low Risk and High Risk Accounts

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What does MasterCard consider a high-risk merchant?

Visa considers any Web site selling downloadable, digital merchandise and/or services or those falling within "Merchant Category Code 5967"—the "high risk" category.

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Why do high-risk merchants have to pay an extra registration fee?

The simple answer given by the card associations is that high-risk merchant accounts do cost more for them to manage than low-risk accounts. High-risk accounts often carry a significantly higher chargeback rate and may require stronger monitoring for fraud. Additionally, due to the nature of their business models high-risk merchants also have more card association rules and regulations that must be adhered to. The annual registration fee helps MasterCard to offset the costs associated with high-risk accounts, ensures that participants are responsible industry members and business people, and provides more transparency as well as ensuring stabilization in the industry.

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Does this registration fee go to CCBill?

No. While CCBill accepts the fee from you, the entire annual registration fee is immediately sent to MasterCard.

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How do I register to accept MasterCard for transactions with CCBill?

New CCBill merchants can complete the Merchant Application process and agree to the MasterCard terms during that process. If you are an existing CCBill merchant and wish to add MasterCard processing to your CCBill account, please contact CCBill Merchant Support.

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Do I have to pay an annual registration fee to accept MasterCard for transactions?

If you are a high-risk merchant you will have to pay a $500 annual fee to MasterCard in order to be able to process MasterCard transactions.

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Do I have to pay an annual fee for each URL I own?

No. MasterCard requires the annual registration fee be paid for each Merchant's account. This single fee will enable you to accept MasterCard for processing on your main account and all of your sub-accounts.

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When do I have to pay the fee?

You will have to pay the initial $500 annual fee upon initial registration with MasterCard, as well as a $500 renewal fee every year on the anniversary date of your initial registration.

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I live in the EU and Visa doesn't make me pay an annual fee, is it the same with MasterCard?

No. MasterCard requires a recurring annual fee for high-risk clients in all regions, even if your business is in the EU, while Visa only requires the fee for users in certain regions.

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Can I register to accept MasterCard if I'm outside the US, Canada, and EU?

No. At this time we do not work with any banks outside of the US, Canada, and EU regions.

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How long does it take for my account to be approved by MasterCard?

You should be able to start processing MasterCard transactions within two or three business days under normal circumstances.

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How will my MasterCard transactions show up on consumers' credit card statements?

All transactions display on consumers' credit card statements as CCBill.com *[first 12 characters of merchant's company name]. This is called a Dynamic Descriptor. The Dynamic Descriptor appears on statements along with the CCBill Consumer Support phone number.

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