Vortex Release Version (October 25, 2026)

• Corrected the Mastercard Account Name Inquiry message format by updating DE 108 subelement IDs to use the required two-digit format while preserving existing length fields and subfield encoding. Updated serialization and parsing tests to match the Mastercard specification and re-enabled the functionality following certification validation, preventing format-related declines.

• Updated SMS reserve funding configuration to ensure reserve amounts are transferred to the designated internal reserve account while the remaining batch funds are deposited into the merchant’s account. Reserve transactions are also reflected in the ACH Funding Reports in MX Connect and MX Merchant, as well as SMS reserve reporting.

• Updated Mastercard single-message authorization processing to support Device Type values 35, 36, and 37, along with future values in the 38–99 range. Vortex now passes the Device Type from EMV Tag 9F6E into DE 48, Subelement 23, Subfield 1, while preserving the original chip data in DE 55 and maintaining existing device type handling and fallback behavior. The changes apply to 0100 and 0120 messages, with 0400 messages excluded and dual-message authorization behavior unchanged.

• Updated Mastercard settlement processing to persist the Device Type received during authorization and pass it through to the applicable TSYS and Fiserv North settlement fields. Fiserv Omaha uses the persisted value when available and retains its existing fallback behavior otherwise. Valid two-digit values are preserved without restricting them to a predefined list, while safe defaults are used for invalid values. Non-Mastercard processing remains unchanged.

• Updated CP transaction responses for Authorization, Sale, Interac Sale, and Interac Refund to include network decline codes, response messages, and network advice details received through Stripe. Approved transactions now consistently return code 0, response code 00, and the approved network status, while declined transactions include the available network response code, mapped message, advice code, and seller message to improve transaction troubleshooting and decline visibility.

Impact

These updates improve Mastercard authorization and settlement processing, SMS reserve funding accuracy, and payment response visibility across the Vortex platform. Corrected Account Name Inquiry formatting helps prevent format-related declines, while expanded Device Type support improves compatibility with Mastercard processing requirements and ensures device information is carried through to settlement. Improved reserve funding configuration supports accurate fund transfers and reporting, while enhanced CP transaction responses provide more detailed network decline and advice information for troubleshooting payment outcomes.