# Mastercard European service expansions

> Live situation record from CLSTR: https://clstr.news/situations/mastercard-european-service-expansions
> Updated: 2026-10-22T21:06:00.000Z. Sources: 4. Developments: 2.

Mastercard has announced several initiatives to enhance its European payment network. To mitigate risks from connectivity failures, the company is introducing specifications to enable offline transactions. Starting in February 2027, new cards issued in Europe will support offline functionality, with point-of-sale terminals required to support the technology by May 2027. This system allows for essential purchases up to 200 euros per transaction when network communication is unavailable.

Additionally, Mastercard is expanding its First-Party Trust program to Europe, with a full rollout expected by July 2027. The program aims to assist merchants and banks in distinguishing between fraud and legitimate contested transactions. By facilitating the sharing of evidence such as delivery confirmations and authentication data, the initiative seeks to manage the projected rise in chargeback requests and provide better protections for merchants.

## Timeline

### 2026-10-22: Mastercard expands First-Party Trust program to Europe

Mastercard is expanding its First-Party Trust program to Europe by 2027 to help banks and merchants differentiate between fraud and legitimate purchase disputes.

2 sources. https://clstr.news/cluster/mastercard-expands-first-party-trust-program-to-europe

### 2026-10-14: Mastercard to enable offline payments across Europe by 2027

Mastercard will introduce offline payment capabilities in Europe by 2027, allowing chip and PIN transactions up to 200 euros during power or network outages.

2 sources. https://clstr.news/cluster/mastercard-to-enable-offline-payments-across-europe-by-2027-1

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Cite as: Mastercard European service expansions. CLSTR, https://clstr.news/situations/mastercard-european-service-expansions