In practice
BRAM addresses transactions that are illegal or could damage the Mastercard brand. Acquirers that process prohibited activity can face assessments and are expected to monitor merchants to prevent it. BRAM is often discussed together with MATCH, because termination for prohibited activity can lead to a MATCH listing.
Common confusion
BRAM is not a chargeback threshold program; it focuses on the legality and nature of the activity rather than dispute ratios.
Frequently asked questions
What does BRAM stand for?
Business Risk Assessment and Mitigation, a Mastercard program.
Who is responsible under BRAM?
The acquirer, which is expected to monitor its merchants and can face assessments for prohibited transactions.