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Payment rules

BRAM

Mastercard’s risk program for breaches of its standards—not a merchant approval.

GlossaryUpdated 2026-09-24
01

Network risk program

BRAM addresses illegal, brand-damaging or other activity that breaches network standards.

02

Through acquirers

Investigations work through acquiring banks, whose own acceptance rules also apply.

03

Not certification

The program does not certify research supply or guarantee processing.

The short answer

BRAM is Mastercard's Business Risk Assessment and Mitigation program. It addresses illegal, brand-damaging or other activity that breaches network standards.

It works through acquiring banks. It is not an approval scheme for research suppliers.

Why it matters

A network investigation can lead an acquirer to request records, impose requirements or take action on a merchant account. The acquirer's own rules also apply.

What a merchant should confirm

  • Acceptance of the actual products and business model
  • Accurate category classification and seller disclosure
  • Current account terms and reporting obligations

Use current primary information

Check Mastercard's official rules and the provider's written terms. No vendor can guarantee network acceptance or uninterrupted processing.

A useful next step

Current rules, accurate disclosure.

Confirm acceptance of actual products and buyers with the acquiring bank. Use current official network information and written provider terms.

Read the BRAM guide →
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