Evidence can enter authorization and dispute flows
The program lets participating merchants send enhanced transaction insights either with the authorization message or during a dispute. Mastercard says issuers can combine its fraud-model signals with merchant-provided purchase, delivery and authentication information when assessing whether a transaction was legitimate. New compelling-evidence rules may also provide chargeback protection when a dispute meets the program’s evidence-sharing requirements.
Regional availability is phased
First-Party Trust launched in the United States, Canada, Latin America, the Caribbean and Asia Pacific in 2024. Mastercard said it becomes available in Eastern Europe, the Middle East and Africa during October 2026, with broader European availability planned for July 2027. The announcement does not mean every merchant or issuer is automatically enabled; participation, data requirements and implementation routes still need confirmation with acquirers.
What it means for merchants
Merchants should audit whether order, device, authentication, delivery and customer-contact evidence can be exported consistently before asking an acquirer about First-Party Trust. Measure prevented chargebacks, representment effort and false declines separately rather than assuming more submitted data always improves outcomes.
Read the original announcement
Mastercard · 22 Oct 2026This brief summarizes the linked primary source. Claims and reported figures have not been independently audited by Payment Guide.