MasterCard Excessive Chargeback Programme
3 MasterCard Global Merchant Audit
Program
The Global Merchant Audit Program uses a rolling six months of data to identify
merchants that in any calendar month meet the criteria set out in the table below.
The fraud figures are related to when the transaction occurred not when the
fraudulent transaction was reported.
The table set out below explains the different tiers of the MasterCards Global
Merchant Audit Program.
A merchant location is classified in
the Following GMAP tier....
If in any calendar month, the
merchant location meets the
following fraud criteria...
Tier 1 – Information Fraud alert • 3 fraudulent transactions; and
• At least USD 3,000 in fraudulent
transactions; and
• A fraud to sales dollar volume
ratio minimum of 3% and not
exceeding 4.99%
Tier 2 – Suggested Training alert • 4 fraudulent transactions; and
• At least USD 4,000 in fraudulent
transactions; and
• a fraud to sales dollar volume
ratio minimum of 5% and not
exceeding 7.99%
Tier 3 - High Fraud alert • 5 fraudulent transactions; and
• At least USD 5,000 in fraudulent
transactions; and
• A fraud to sales dollar volume
ratio minimum of 8%.
If MasterCard identifies a merchant in Tier 2, Adyen will recommend the merchant
undertakes a fraud training program.
If MasterCard identifies a merchant in tier 3, MasterCard will usually issue an audit
of the merchant, this means:
1. The acquirer will require the merchant to fill in a questionare outlining what
steps it is taking to stop its fraud problem. The merchant must return the
8 Copyright © Adyen B.V. 2012
