Mastercard’s new Merchant Monitoring Program (MMP) requirements will take effect on January 1, 2026. These updates are designed to ensure stronger up-front compliance, reduce transaction laundering, and help protect the payments ecosystem. Here’s a breakdown of the new requirements and how G2 Risk Solutions (G2RS) can help merchants and acquirers adhere to these changes.
What’s changing with Mastercard’s MMP
Starting January 1, 2026, these revised MMP standards will be effective:
- Initial scan before first transaction
Any merchant onboarded after this date must undergo an initial content and/or transaction laundering scan prior to their first transaction. - Full website monitoring—including members-only areas
Merchant websites must be monitored completely, including password-protected and restricted-access areas where products, digital content, and services may be offered (unless prohibited by law).
These requirements raise the risk detection bar for acquirers, payment facilitators (PFs), payment service providers (PSPs), and independent sales organizations (ISOs), demanding faster and more comprehensive risk management capabilities.
How G2RS helps you meet these requirements
At G2RS, we’ve been at the forefront of merchant risk management for over two decades. Our Global Onboarding (GO) and Password Protected (PWP) solutions are purpose-built to help you comply with Mastercard’s new requirements—without adding friction to your existing workflows.
GO’s automated Merchant Risk History (MRH) component immediately shares a merchant’s history of confirmed or suspected transaction laundering activity. GO’s Content Compliance (CC) component scans a merchant’s website for BRAM-restricted content, to quickly detect violations and risk prior to that first transaction, without slowing onboarding.
G2RS’ PWP solution supports both initial scanning and ongoing monitoring of members-only areas, ensuring adherence to Mastercard’s latest compliance requirements.
Why G2RS GO is the right choice
- Automate content compliance prior to the first transaction: Automated scans of merchant websites will immediately return violative and risky content, ensuring rapid compliance.
- Scan for transaction laundering within seconds: MRH includes both confirmed and suspected transaction laundering merchant history across all risk categories.
- Access member-only areas to identify potentially hidden risks: PWP can be enabled during the onboarding and ongoing monitoring stages of the merchant lifecycle to detect violations as the merchant’s risk landscape evolves.
- Trusted by industry leaders: G2RS’ Merchant Map® is built upon 20+ years of proprietary data and covers merchant activity from more than 75% of the largest global acquirers, PFs, PSPs, and ISOs, making G2RS the most comprehensive and reliable partner for risk management.
- Portal or API integration: We offer flexibility and configuration to help you embed our solutions into your existing processes and configure policies to meet your business needs and risk tolerance.
Future-proof your compliance with G2RS
With Mastercard’s new requirements, payment providers must raise their standards for merchant onboarding. G2RS GO delivers the automation, data depth, and advanced monitoring you need to stay ahead. If you’d like to learn how G2RS can help your organization prepare for Mastercard’s 2026 requirements, get in touch with our team today.