Mastercard Account Level Management Product Graduation Plus

Effective date: Informational

Account Level Management (ALM) Product Graduation Plus allows issuers the flexibility of migrating cardholders to card programs that are right for the cardholder as their lifestyle needs and preferences change, without changing the 16-digit Primary Account Number (PAN). Participating issuers with actively registered accounts will receive differentiated interchange rates for transactions processed through the Mastercard network on any card that has been migrated through the Product Graduation Plus functionality. The ALM Product Graduation Plus service includes both upward and downward migrations to support true life cycle management of the cardholder’s PAN.

While action is not required of merchants, this program may impact reconciliation between a transaction’s published qualified interchange program rate and the actual assessed rate.