On 16 August 2016, Mastercard® announced the “Mastercard Humanitarian Standard Program Interchange Rate” interchange program and rate, which is effective from 12 April 2019.

To help organizations deliver aid more cost effectively and transition to open loop digital payment solutions, Mastercard introduced a humanitarian support program to address the delivery of digital aid via prepaid product channels.

Humanitarian aid organizations deliver billions of dollars in aid each year, typically in physical cash or in-kind goods, such as food and water. In the instance of unexpected disasters, aid organizations are the first responders, providing critically needed supplies and resources to help populations return to normal circumstances. Today, aid organizations deliver support in different forms – in-kind goods such as food and water, cash, or paper or digital vouchers. All of these forms have proven to be time consuming, costly and difficult to track.

Aid organizations have increasing requirements to distribute aid via electronic payment channels to make aid distribution faster and more efficient. In order to distribute cash based aid via prepaid product channels, aid organizations will need to work with licensed issuers.

Mastercard Humanitarian Standard Program Qualifying Criteria

To qualify for this program, transactions must meet the following qualifying criteria:

  • Applies only to prepaid product codes DWF and MWF

Mastercard Humanitarian Standard Program Interchange

Transactions must meet the above requirements to qualify for this interchange program.

IRD and Program Name Interchange Rate
IRD ZX – Interregional Humanitarian Standard interchange rate
IRD ZX – Intracountry Humanitarian Standard interchange rate