Increased acceptance, growth and customer satisfaction

Debit Mastercard is an integral part of the customer bank account proposition and is underpinned by safety and security features to reassure customers when they use their card for everyday spending. In Europe, almost 200m consumers now use Debit Mastercard every day to pay at 43m locations instore, online and in-app. More than 75% of all card payment transactions were made with debit cards, representing over €2 trillion in card payment value.

Debit Mastercard is at the heart of this growth with over 20m new customers now using Debit Mastercard. Accepting Debit Mastercard will help your business to benefit from the continued growth in cashless payments, and the increasing desire from customers to pay by card.

Consumer Debit

535666 | Debit Mastercard

535667 | Debit Mastercard

For any further information on Santander BINs, contact your Mastercard representative.

Santander Debit MastercardNEW DEBIT CARD L AUNCH ANNOUNCEMENT

Following on from our announcement in July 2018, this serves as a reminder about the upcoming Debit Mastercard migration for Santander UK. The new Santander Mastercard Debit cards will be launched in Q2 2019. You’ll find everything you need to know to ensure you are ready to accept these new cards.

Business Debit

535668 | Business Debit Mastercard

535669 | Business Debit Mastercard

Reminder of UK Legislation on surcharging

Please note that as of January 13th 2018, UK Legislation banned surcharges for retail payment instruments - such as credit and debit cards. For more information, click here and review relevant paragraphs 6.13 and 6.14

Purchase with CashbackIf cashback is offered on other Debit card products, participating retailers must ensure that it is available for the new Santander Mastercard Debit BINs. You may need to work with your POS provider to make some changes to allow for cashback with purchase.

Do:• Treat Debit Mastercard BINs like any other Debit payment method

• Include Debit Mastercard BINs in acceptance tables for ATMs, e-merchants and retail outlets

• Ensure all participating retailers offer payment with cash back to Debit Mastercard consumers

• Check that gambling e-merchants and outlets can support both account deposits and winning withdrawals on all Debit Mastercard BINs

• Remember that Debit Mastercards support pre-authorisation before charging, so incurred charges can be processed. Hotels and car hire companies are required to accept Debit Mastercards

• All e-merchants should add Debit Mastercard as a payment option in the drop-down box on your payment page

• Confirm all credential-on-file merchants have queried the Mastercard automated billing updater (ABU) database to replace the old Visa Debit PAN with the new Debit Mastercard PANs to reduce preventable declines due to changes of stored payment account credentials. Use of ABU is a proven solution to reduce preventable declines for a better cardholder and merchant experience

Don’t:

• Apply surcharges on Debit Mastercard transactions as per the UK Legislation on surcharging. This also means statements like “we will add an additional credit/debit card fee to your payment” are unacceptable

• Display messages like “your issuer may apply a surcharge” on ATM screens as Debit Mastercard BINs are processed through Link

• Show error messages like “BIN not recognised” or “unable to accept card”

Dos & Don’ts We’ve pulled together a quick and easy guide of ‘dos and don’ts’ to prepare you for the launch of the new Debit Mastercard:

CONSUMER DEBIT

BUSINESS DEBIT

Getting ready for Santander Debit Mastercard

Mastercard is issuing this reminder to ensure the acceptance landscape is prepared for the Santander migration from Visa Debit to Debit Mastercard, involving the issue of 9 million new cards, starting in Q2 2019. Failing to accept the new Debit Mastercards would have an impact on your sales and the satisfaction of consumers, so it’s essential that we work together to make the transition as smooth as possible with no impact to cardholders and merchants alike.

Mastercard have updated the BIN tables with 4 new Debit Mastercard BINs for Santander Bank plc. As an Acquirer, Merchant or Payment Service Provider, you should check that these new BINs are defined for acceptance correctly on your POS and at the POI, and ensure that the product type is setup correctly.

Getting ready to accept Santander Debit Mastercard

Avoid acceptance issues that arise from use of out-of-date and/or inaccurate BIN tables. Acceptance issues occur if BIN tables are secured from an unreliable source. Mastercard’s BIN Table Resource file can help ensure that BIN tables are up to date and is available to Acquirers for sharing with merchants and Third Party Processors (TPPs).

To begin use or to find out more about Mastercard’s BIN Table Resources, please contact your Mastercard account representative or use the ’contact us’ button at the bottom of the page within the Mastercard Developer Zone.

You also need to work with your PSPs and merchants to correctly reflect the new BINs and product types in any related or impacted processing system.

Santander Debit Cards

PRIVATE BANKING

SELECT

Com

mercial