Mastercard International Incorporated

John Aprile

Jeanne Bernadette Moore

Srinivasan Chandrasekharan

Farzana Chilwan

Ankush Gupta

Brianna Thompson

A method of providing flexibility of an interchange value in card payments via a commercial flexible interchange program includes receiving an authorization request for payment authorization for a transaction from an acquirer. The authorization request includes information of an account of a buyer associated with an issuer and an interchange value. The method further includes, upon determining that the issuer and the acquirer are registered in the commercial flexible interchange program, sending the authorization request for payment authorization for the transaction to the issuer, receiving an authorization response message, and determining whether the authorization response message includes a decline or an authorization for the transaction. In response to determining that the authorization response message includes the decline, passing the authorization response message to the acquirer. In response to determining that the authorization response message includes the authorization, storing the interchange value and sending the authorization response message.

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Larchmont, NY, United States of America

John Aprile