HECM

The second tier of Mastercard's Excessive Chargeback Program. Triggered at 3% chargeback ratio and 300+ chargebacks per month. Carries severe monthly fees, near-certain acquirer termination, and high MATCH-listing risk if not stabilised in the current monitoring window.

In practice.

HECM is the severe tier of Mastercard chargeback monitoring, with substantially higher fines and real termination risk. An acquirer with a merchant in HECM is itself under pressure from the scheme, which is why support evaporates quickly at this stage. The goal is to never let a bad month compound into the thresholds.

Related terms: ECP · ECM · MATCH · Chargeback ratio