📚 2025 Release Notes

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DECEMBER 21, 2025

WHAT'S NEW Terminal payments now include the surcharge label and surcharge rate when available. These details are captured and persisted throughout the transaction flow and are visible in both Vortex and Checkout payments, improving transparency and accuracy in surcharge reporting.
ENHANCEMENT Mastercard 3DS support has been enhanced across settlement platforms. UCAF indicators are now correctly populated for Mastercard transactions in FD North, FD Omaha, and TSYS settlement files, ensuring settlement records accurately reflect authorization data and comply with Mastercard specifications.
ENHANCEMENT Reporting accuracy has been improved in the Priority VTX SMS Settled Report. Counts now display correctly for the Date column when the Group By filter is applied, providing clearer grouped reporting and improved data visibility.
ENHANCEMENT Visa Field 63.12 routing has been updated to reflect the newly selected sharing group priority. This ensures transactions are processed according to current business requirements and agreed routing configurations.

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DECEMBER 7, 2025

WHAT'S NEW Apple Pay surcharge handling has been updated so that the underlying paymentMethod.type is evaluated, ensuring surcharges are applied only to credit transactions. Debit, prepaid, and store-value methods are treated as debit and follow compliant surcharge behavior across both enrich and payment routes.
ENHANCEMENT Refund validation has been unified across all payment types. Over-refund checks now apply globally to ensure refund attempts never exceed the original or remaining refundable amount, and the refunded-amount field is consistently updated whenever a refund is processed.

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NOVEMBER 23, 2025

WHAT'S NEW A new service fee amount field has been added to the Payment Broker card model, allowing Vortex to capture and transmit service fee values through ACS Stripe and into Stripe Payment Intent metadata for supported payment flows.
ENHANCEMENT Kafka consumer group names have been updated across Vortex services to include instance identifiers, ensuring each environment independently consumes messages from the unified AWS Kafka cluster without cross-environment load balancing.
ENHANCEMENT Support for Visa’s updated Non-Visa Routing table has been added across DS and MXM, including parsing new fields, applying revised pinless debit rules, and handling updated Pulse network values to ensure accurate routing behavior.
ENHANCEMENT The Payment Adapter has been fully refactored to TypeScript with updated dependencies and regression-tested behavior to improve long-term maintainability without altering existing payment or settlement flows.
ENHANCEMENT Full 3DS authentication support has been added to the Payment Adapter, including APIs to initiate and complete the 3DS flow for secure and compliant cardholder authentication during checkout.

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NOVEMBER 9, 2025

ENHANCEMENT The Authorizations Report and MXM Payments grid now display both approved and declined authorizations, providing full visibility into all transaction attempts. This enhancement improves reporting accuracy and simplifies reconciliation for merchants by ensuring declined authorizations are included alongside successful transactions.

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OCTOBER 27, 2025

WHAT'S NEW A new Kubernetes key was created for Stripe 3DS processing, separating it from the existing stripe-api-key used for standard CAD and US transactions. This allows 3DS processing to function independently without affecting existing Stripe workflows. Configuration is handled entirely through Okta environment settings, with no code changes required. The new key points to the US non-production Stripe account in test environments and the US production Stripe account in live environments.
ENHANCEMENT The logic for name verification on Discover PANs within Vortex ACS was updated to ensure that the cardholder’s first, middle, and last names are included in network messages even when AVS postal code or address data is not provided. This update ensures consistent transmission of name details during Discover verification.

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OCTOBER 13, 2025

WHAT'S NEW Enhanced the payment broker to transmit EMV request data to the ACS Stripe service in compliance with Stripe’s terminal integration requirements. When a valid EMV request is present, the system now maps key device fields including device ID, model, and location to Stripe’s respective identifiers. The processing method (contact or contactless) is also derived from the account capture method, ensuring accurate device identification, transaction tracking, and full compatibility with Stripe’s EMV certification standards.
ENHANCEMENT Added support for a new global ID column in the card payment table, enabling orchestration to capture and store global identifiers for payment responses. This enhancement improves data tracking and ensures consistency across payment records, with schema updates manually applied in non-production environments.
ENHANCEMENT Updated the account verification workflow to set the connected account when invoking the Stripe Setup Intent API. The system now derives the connected account information from the merchant’s global account ID, ensuring the appropriate merchant category code is correctly associated with verification requests.

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SEPTEMBER 29, 2025

WHAT'S NEW Support added for Visa authorizations to ensure the 3-D Secure CAVV cryptogram and Electronic Commerce Indicator are correctly included and consistent between authorization and settlement requests.
ENHANCEMENT Authorization processing updated to map authentication service outputs into AmEx-specific subfields, ensuring compliance with 3DS requirements.
ENHANCEMENT Discover authorization handling now supports 3DS authentication with several methods.

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SEPTEMBER 15, 2025

ENHANCEMENT Updated AVS validation in eos-payment-api-acs-stripe to handle non-boolean types on authorization, ensuring consistent processing of the avsChecks object for address, postal code, and CVC.
BUG FIX Adjusted failure messaging in eos-payment-api-broker so void attempts on declined authorizations now return 422 with a clear error message indicating reversal is not possible.
BUG FIX Refined refund (return) handling of declined sales in eos-payment-api-broker to return 422 with an accurate error message clarifying that declined payments cannot be refunded.

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SEPTEMBER 1, 2025

WHAT'S NEW Account Verification support for Global payments. Zero-amount verification requests are now handled via Stripe Setup Intents in the broker and ACS Stripe.
WHAT'S NEW MOTO (Mail Order / Telephone Order) support added. The broker forwards the MOTO flag and ACS Stripe validates authorization.moto = true.
WHAT'S NEW Visa Commercial Choice (VCC) program support across Checkout and VTX. Agreement IDs (Field 111, Dataset 02, Tag C0) are captured and stored for downstream use.
WHAT'S NEW VCC settlement mapping implemented for Fiserv North, Fiserv Omaha, TSYS, and TC-57 to meet Visa specifications.
ENHANCEMENT Updated Vortex Global reference to a 12-digit alphanumeric value; added globalId in payment meta to retain the original Stripe Payment Intent ID.
ENHANCEMENT Checkout Level-3 logic now randomizes product descriptions when none are provided, improving interchange optimization.
ENHANCEMENT MXC merchant boarding: Priority Payroll underwriting status now syncs automatically with Acquiring when boarded together.
BUG FIX Global terminal payments no longer receive batch IDs in MXM. A new IsGlobalPayment flag bypasses batch assignment when applicable.
BUG FIX MX Connect Banking tab: resolved validation errors preventing updates for merchants with multiple processors (e.g., Fiserv North, TSYS).
BUG FIX Corrected debit-side FSC boarding to align under DDA #1 (matching credit side) to prevent Daily Fee billing issues.
BUG FIX Interlink Adjustment of Return transactions now include the expected 0220 network message with correct DE2 and DE3 values.
BUG FIX VTX: Amex adjustments with response codes 400 (Reversal Accepted) and 900 are now reflected as Approved instead of Declined.

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AUGUST 18, 2025

BUGFIX Resolved an issue preventing new contract creation from the Recurring section in MX Merchant. The error on the Add Contract page has been fixed, restoring full contract setup functionality.

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AUGUST 4, 2025

WHAT'S NEW Introduced support for incremental authorizations, allowing merchants to increase the auth amount before capture for dynamic total handling.
WHAT'S NEW Enabled refund processing for Interac cards via Stripe Terminal, with in-person validation and accurate return publishing via webhook events.
ENHANCEMENT Card-not-present transactions through Stripe ACS now include CVC and return the original amount and payment intent ID on failure, improving validation and traceability.
ENHANCEMENT Added overcapture support for Stripe payments, allowing greater capture amounts with strict validation logic and new audit fields for traceability.
BUGFIX Resolved AMEX status mismatch between Vortex and MXM caused by checkout timeouts, ensuring alignment and proper reversal triggering.

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JULY 21, 2025

BUGFIX Resolved a regression where authorization transactions were incorrectly assigned a BatchId; batching is now limited to valid transaction types such as sale, return, and prepaid.
ENHANCEMENT Enabled support for Interac terminal payments by mapping new payment method types and updating BIN handling logic to ensure accurate processing.
ENHANCEMENT Added terminal device ID capture by mapping metadata.deviceName from Stripe payment intents into the payment.device.id field for greater transaction traceability.
ENHANCEMENT Improved secondary terminal transaction handling by backfilling card and account details including card BIN, expiry, last 4 digits, and card type from the primary transaction.

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JULY 7, 2025

BUGFIX Corrected BatchId assignment for authorization transactions by limiting batch linkage to valid transaction types only, such as sale, return, and billpayment.
ENHANCEMENT Added Visa TLV Field 34 Dataset ID 02 (including Tag CB) to Checkout request and response messages to meet VisaNet compliance for July 2025.
ENHANCEMENT Mapped Stripe terminal device fields into VOS to improve visibility into terminal-based payments and update POS data accordingly.
ENHANCEMENT Captured last 4 digits of the card number on Stripe terminal transactions to enhance tracking and transaction detail in MXM records.
ENHANCEMENT Enabled support for secondary transaction types—refunds, completions, and adjustments—on Stripe terminal payments by relaxing card data validation when required.

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JUNE 23, 2025

ENHANCEMENT Included Vortex-originated metadata in MXM authorization payloads to improve backend traceability without impacting client-facing responses.
ENHANCEMENT Implemented automatic refresh logic for BIN records older than 14 days to maintain accurate card data during payment processing.
ENHANCEMENT Enabled support for Visa TLV Field 34 (Tag CB – Acceptor Business Registration ID) to comply with updated VisaNet specifications.

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JUNE 9, 2025

BUG FIX Resolved Apple Pay fraud rejections by updating Field 61 mappings for Discover authorizations to align with network specifications.
ENHANCEMENT Standardized settlement file naming for Omaha transactions by capitalizing both “T”s in "TapTrans" to meet file transfer protocol requirements.

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MAY 26, 2025

WHAT'S NEW Added support for voids, reversals, and refunds on Apple Pay transactions within MX Merchant.
WHAT'S NEW Integrated Stripe terminal support by introducing a webhook listener for transaction events in Vortex.
ENHANCEMENT Introduced secure Redis connection support across all services to enable migration to secure clusters.
ENHANCEMENT Updated the VTX Payment Grid to display card network names or default to "Debit" for SMS transactions.
BUG FIX Corrected routing for Debit Interlink Sale Completion transactions to prevent misassignment to Credit batches.
BUG FIX Resolved Apple Pay fraud rejections by fixing the DE122 cryptogram format for Discover authorizations.

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MAY 12, 2025

WHAT'S NEW Introduced automatic Redis connection retries in Vortex to improve command execution reliability.
WHAT'S NEW Enabled Checkout to support swipe data with empty or asterisked Track 1 cardholder names.
ENHANCEMENT Applied Visa Level 2/3 updates in Checkout and VTX for tax indicators, VAT fields, and postal code formatting.
ENHANCEMENT Updated GET /checkout/v3/payment to return accurate InProgress status based on replayId.
ENHANCEMENT Formatted MasterCard R625 Merchant IDs as right-justified, zero-padded 15-digit values to prevent rejections.
BUG FIX Fixed decoding of binary ISO8583 fields to display correct HEX strings in Checkout and Vortex transactions.
BUG FIX Resolved issue where MXM Payments Report was missing network message data for merchant transactions.
BUG FIX Removed hard Redis dependency from eos-payment-api-bank, preventing startup crashes when Redis is unavailable.

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APRIL 30, 2025

ENHANCEMENT Updated the payment consumer to persist network message data, ensuring message details appear correctly in the MXM Payments Report.

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APRIL 17, 2025

ENHANCEMENT Improved data accuracy and user experience in settlement processing and reporting.
ENHANCEMENT Implemented proper Marketplace ID handling in TSYS and Fiserv North settlement files to align with VISA authorization updates.
ENHANCEMENT Ensured correct mapping of Facilitator ID and Marketplace ID within authorization and settlement fields
ENHANCEMENT Resolved issues when accessing specific reporting sections.

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MARCH 17, 2025

ENHANCEMENT Backend enhancements ensuring a better user experience.
BUG FIX Fixed minor bugs affecting system performance.

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MARCH 3, 2025

WHAT'S NEW Vortex now synchronizes batch information with MXM, improving reconciliation and reporting accuracy.
ENHANCEMENT Enhanced batch handling in the Payment Adapter to maintain transaction consistency for daily settlements.
ENHANCEMENT Strengthened surcharge validation for terminal payments based on MX Advantage settings, ensuring compliance and accuracy.
ENHANCEMENT Optimized Visa Online Refund Transactions processing within the Fiserv Omaha Tap Trans Settlement file.
ENHANCEMENT Introduced direct integration between Vortex and Stripe for seamless Canadian transaction processing.
BUG FIX Improved handling of checkout broker transaction timeouts by ensuring automatic reversals for consistency.

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FEBRUARY 17, 2025

WHAT'S NEW Streamlined payment processing with improved handling of transaction adjustments and voids for greater accuracy.
ENHANCEMENT Optimized data synchronization between Vortex and external payment systems, reducing discrepancies in reporting and improving payment reconciliation reliability.
ENHANCEMENT Enhanced payment webhook processing to ensure real-time accuracy in transaction updates across platforms.
BUG FIX Resolved issues causing certain Vortex transactions to fail updates due to data processing inconsistencies, ensuring accurate recording of payments, voids, and adjustments.

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FEBRUARY 3, 2025

WHAT'S NEW Introduced APIs for retrieving and securely settling open batches, streamlining batch management.
ENHANCEMENT Improved transaction handling with support for the new "marketplace ID" field in submerchant objects.
ENHANCEMENT Automated ACH reject handling for routing number corrections, with detailed tracking and audit trails.
ENHANCEMENT Added encrypted PAN storage and decryption functionality for authorized users, enhancing security.
BUG FIX Resolved approval issues for American Express transactions when the feature was disabled.
BUG FIX Fixed syncing errors for AMEX and Discover card configurations, ensuring data consistency.

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JANUARY 20, 2025

WHAT'S NEW Implemented cascaded timeout adjustments for improved transaction reliability.
ENHANCEMENT Increased payment broker timeout to 20 seconds and validated system stability.

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JANUARY 7, 2025

WHAT'S NEW Enhanced Settlement Bot with EBT and Debit Support.
ENHANCEMENT Improved Vortex Mapping with Validation and Sanitization.
ENHANCEMENT Improved MasterCard device type handling for chip transactions.

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