# Summary of changes
source: https://developer.mastercard.com/mastercard-buyer-payment-agent/documentation/summary_of_changes/index.md

This page summarizes the history of the Buyer Payment Agent API Program from the year 2023 forward. Details of changes based on each release are mentioned in the table.  

Notable changes are as follows:

|                                                                                                                                                                                                                                                                                                                                                           Description of functionality                                                                                                                                                                                                                                                                                                                                                           |                                                                                                                                                                                                                                                                                                                                                                   Where to look                                                                                                                                                                                                                                                                                                                                                                    |    Release    |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------|
| * Mastercard is enhancing the card payment initiation for commercial businesses by introducing Mastercard Commercial Direct Payments API. * The new card agnostic API enables customers to pay their suppliers using the ISO20022 standardized payment initiation format. * This API expands supplier reach by providing buyers and issuers the ability to pay suppliers with the various STP and non-STP payment services. * This solution allows for payments with or without remittance data. Customers can leverage their existing channels for remittance data delivery and use the API only for card payments. * Commercial Direct Payments offers payment cancellations for future-dated transactions to support the B2B trvael use case. | [Enhanced card payment initiation use case](https://developer.mastercard.com/mastercard-buyer-payment-agent/documentation/use_cases/commercial-direct-payments/enhanced-card-payment-initiation/index.md) [API reference](https://developer.mastercard.com/mastercard-buyer-payment-agent/documentation/api-reference/index.md) [Enhanced Card Payment Initiation tutorial](https://developer.mastercard.com/mastercard-buyer-payment-agent/tutorial/card-pay-initiation/index.md) [Reference implementation](https://developer.mastercard.com/mastercard-buyer-payment-agent/documentation/reference-app/index.md) [Payment cancellation](https://developer.mastercard.com/mastercard-buyer-payment-agent/tutorial/payment-cancellation/index.md) | February 2025 |