Products
- OrchestrationManage multiple providers
- PaymentsGlobal payment infrastructure
- PlatformDon't build, just use
- TreasuryAll-in-one business accounts
  - Business accounts
  - Capital
Resources
- DevelopersStart building with us
- InsightsLearn and grow
- SupportWe're here to help
  - For shoppers
  - For business
Careers

Mastercard excessive fraud merchant program

Mastercard excessive fraud merchant program is monitoring program status assigned by Mastercard to merchants experiencing unusually high levels of fraud-related chargebacks, triggering enhanced scrutiny, remediation requirements, and potential penalties.

Merchants enter the excessive fraud merchant (EFM) program when their fraud chargeback ratio exceeds 0.50% (50 basis points) and fraud chargeback count exceeds 100 in a single month. EFM enrollment requires merchants to develop and implement fraud reduction action plans, pay monthly program review fees, provide regular progress reports, and demonstrate measurable fraud reduction within specified timeframes.

Failure to reduce fraud levels can result in escalating fines, higher processing fees, increased reserve requirements, or termination of card acceptance privileges.