Proposal: Account for new Mastercard regulations for recurring contributions
There's an article here: https://www.allaboutadvertisinglaw.com/2021/11/new-mastercard-requirements-for-subscription-and-negative-option-billing-models.html
But here are the highlights:
- Must send a confirmation email at the time of enrollment that includes the terms of the subscription and instructions on how to cancel the subscription
- Send a receipt after every successful billing attempt that includes instructions for how to cancel this subscription (this can be instructions to call customer service)
- Provide an online cancellation method (similar to unsubscribing from emails) – that can be instructions to call customer service
- For any subscription/recurring payment plan that bills a cardholder less frequently than every six months, the merchant must send a notification at least seven days prior to the billing date that includes the terms of the subscription and instructions on how to cancel the subscription
- Merchants have until Sept 21, 2022, to meet this requirement.
It seems like civicrm_contribution_recur.is_email_receipt
should be ignored if the card type is Mastercard. It also seems like a new Scheduled Job is necessary for folks who have recurring contributions that are less frequent than six months.