Looks like Mastercard changed the API between version 51 and 52, adding a new required parameter "interaction.operation".
API version 51 doesn't need "interaction.operation":
https://eu-gateway.mastercard.com/api/documentation/apiDocumentation/res...
API version 52 and later needs new "interaction.operation":
https://eu-gateway.mastercard.com/api/documentation/apiDocumentation/res...
Up to version 51, and in this module:
$params = [
'apiOperation' => 'CREATE_CHECKOUT_SESSION',
'apiPassword' => $password,
'apiUsername' => "merchant.$merchant_id",
'merchant' => $merchant_id,
'order.id' => $order->order_number,
'order.amount' => commerce_currency_amount_to_decimal($transaction_amount, 'GBP'),
'order.currency' => $order_wrapper->commerce_order_total->currency_code->value(),
'interaction.returnUrl' => url('checkout/' . $order->order_id . '/payment/return/' . $order->data['payment_redirect_key'], ['absolute' => TRUE]),
];
From version 52 onwards:
$params = [
'apiOperation' => 'CREATE_CHECKOUT_SESSION',
'apiPassword' => $password,
'apiUsername' => "merchant.$merchant_id",
'merchant' => $merchant_id,
'order.id' => $order->order_number,
'order.amount' => commerce_currency_amount_to_decimal($transaction_amount, 'GBP'),
'order.currency' => $order_wrapper->commerce_order_total->currency_code->value(),
'interaction.operation' => 'PURCHASE',
'interaction.returnUrl' => url('checkout/' . $order->order_id . '/payment/return/' . $order->data['payment_redirect_key'], ['absolute' => TRUE]),
];
Guessing here a bit, untested.
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