MasterCard Rules (PDF)

Special Issuer Programs
6.4 Remote Transaction Accounts
6.4 Remote Transaction Accounts
A Remote Transaction account means a Card account that is intended primarily
to be used to engage in Remote Transactions. Subject to the requirements set
forth below, a Customer is not required to issue a physical Card in connection
with or which links to a Remote Transaction account. A Program using Remote
Transaction accounts is a Special Issuer Program, is subject to the Standards,
and has all rights accorded to Cards under the Standards except those Standards
that relate to the physical characteristics or use of a Card.
6.4.1 Remote Transaction Account Requirements
An Issuer of a Remote Transaction account must comply with the all of the
following requirements:
1. A Remote Transaction account program may not be conducted or marketed
without the express prior written consent of the Corporation.
2. A Remote Transaction account must be assigned a 16-digit account number,>>
in conformance with the Standards applicable to Cards, and must be
assigned a Card Validation Code 2 (CVC 2) value and an expiration or
“valid through” date. A reference device may be used to communicate this
information, but must not resemble a physical Card.
3. A Remote Transaction account must be enhanced with Address Verification
Service (AVS) if the account is issued for use in an area where AVS is
available.
4. Effective 13 April 2012, partial approval authorization service must be
supported for all prepaid MasterCard and all Debit MasterCard (including
prepaid) Remote Transaction account ranges.
Before activating a Remote Transaction account, the Issuer must communicate
in writing to the Cardholder the account number, the expiration or “valid
through” date of the account, the identity of the Issuer, and instructions as to
the manner in which the Remote Transaction account may be used.
6.4.1.1 Remote Transaction MasterCard M/Chip Account Programs
A Remote Transaction MasterCard M/Chip account means an EMV chip-based
Remote Transaction account that a Cardholder uses to effect remote chip-read
Transactions. Remote Transaction M/Chip account Programs must adhere to
all applicable M/Chip Standards as may be developed and amended from time
to time.
6.5 Secured Card Programs
A secured Card means a Card for which a line of credit is secured by an amount
held on deposit. A secured Card Program is a Special Issuer Program.
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6-6 12 December 2012 • MasterCard Rules