MasterCard Rules (PDF)

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Service Providers 7.4.3 Access to Documentation.............................................................................................. 7-13 7.4.4 Authority to Terminate Merchant Agreement ................................................................ 7-13 7.5 Card Issuing Programs ........................................................................................................... 7-13 7.5.1 Card Application Approval............................................................................................ 7-13 7.5.2 Cardholder Agreement .................................................................................................. 7-13 7.5.3 Payment of Fees............................................................................................................ 7-13 7.5.4 Program Receivables ..................................................................................................... 7-14 7.6 Service Provider Registration.................................................................................................. 7-14 7.6.1 Registration Requirements for DSEs, ISOs and Type II TPPs ........................................ 7-14 7.6.1.1 SDP Program Noncompliance .............................................................................. 7-15 7.6.2 Registration Requirements for Type I TPPs................................................................... 7-16 7.6.3 Registration Requirements for Type III TPPs................................................................. 7-16 7.6.4 Registration of a Service Provider Registration Facilitator ............................................. 7-16 7.6.5 Service Provider Registration Noncompliance............................................................... 7-16 7.6.6 Prohibition from Acting as a Service Provider............................................................... 7-16 7.6.7 Termination of Program Service Agreement or De-registration..................................... 7-17 7.7 Type I TPP Evaluation Program............................................................................................. 7-17 7.8 Confidential Information of Service Providers ....................................................................... 7-17 Compliance Zones ....................................................................................................................... 7-17 ©1969–2012 MasterCard. Proprietary. All rights reserved. 7-ii 12 December 2012 • MasterCard Rules
7.1 Service Provider Categories Service Providers 7.1 Service Provider Categories As of the date of this publication of the Standards, there are four categories of Service Providers: Independent Sales Organization (ISO), Third Party Processor (TPP), Data Storage Entity (DSE), and Service Provider Registration Facilitator (SPRF). A Service Provider is categorized by the Corporation based upon the Corporation’s understanding of the nature of the Program Service(s) performed or to be performed, as described below. A Service Provider may only perform the Program Service(s) it is registered to perform. Any person proposed by a Customer to perform both TPP Program Service and DSE Program Service is categorized by the Corporation as a TPP. A person that performs any one or more of the following Program Services… ISO Program Service: • Merchant and/or Cardholder Solicitation, including application processing • Cardholder and/or Merchant customer service not involving access to Card data, Transaction data, or both, including the collection of any fee or other obligation associated with the Customer’s Program • Merchant education and training • Any other service determined by the Corporation in its sole discretion to be ISO Program Service ©1969–2012 MasterCard. Proprietary. All rights reserved. Is categorized as this type of Service Provider… Independent Sales Organization (ISO) MasterCard Rules • 12 December 2012 7-1
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MasterCard Rules 12 December 2012
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Summary of Changes, 12 December 201
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Description of Change Where to Look
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Table of Contents Definitions .....
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Table of Contents 3.6 Provision and
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Table of Contents 5.8 Card Acceptan
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Table of Contents 7.3.11 Settlement
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Table of Contents 9.1 Definitions..
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Table of Contents 5.8 Card Acceptan
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Table of Contents 2.1 Purpose of Li
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Table of Contents 3.9 Additional Cu
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Table of Contents C.2.4 CAT Level 3
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Card A card issued by a Customer pu
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Electronic Money Issuer An Electron
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MasterCard PayPass Magnetic Stripe
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Processed Transaction A Transaction
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Sub-merchant A merchant that, pursu
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1.1 Types of Customers Participatio
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Participation 1.5 Obligations, Righ
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Participation 1.6 Termination of Pa
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Chapter 2 Licensing and Licensed Ac
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Licensing and Licensed Activities 2
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Licensing and Licensed Activities C
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Customer Obligations 3.7 Quarterly
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Customer Obligations 3.1 Standards
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Customer Obligations 3.1 Standards
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Customer Obligations 3.2 Conduct of
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Customer Obligations 3.3 Indemnity
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Customer Obligations 3.6 Provision
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Customer Obligations 3.6 Provision
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Customer Obligations 3.7 Quarterly
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Customer Obligations 3.9 Additional
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Customer Obligations 3.10 Limitatio
Page 79 and 80: Chapter 4 Trademarks and Service Ma
Page 81 and 82: 4.1 Right to Use the Marks 4.1.1 Li
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Page 85 and 86: NOTE Trademarks and Service Marks 4
Page 87 and 88: Trademarks and Service Marks 4.2 Ge
Page 89 and 90: Trademarks and Service Marks Compli
Page 91 and 92: Chapter 5 Merchants This chapter co
Page 93 and 94: 5.1 The Merchant Agreement Merchant
Page 95 and 96: 5.2 Acquirer Obligations Merchants
Page 97 and 98: Merchants 5.4 Use of a Payment Faci
Page 99 and 100: Merchants 5.5 Payment Facilitator O
Page 101 and 102: Merchants 5.5 Payment Facilitator O
Page 103 and 104: 5.5.4.4 Payments to Sub-merchants M
Page 105 and 106: Merchants 5.7 Use of the Marks An A
Page 107 and 108: 5.8.4 Additional Cardholder Identif
Page 109 and 110: Merchants 5.11 Prohibited Practices
Page 111 and 112: 5.11.8 Disparagement NOTE 5.12 Secu
Page 113 and 114: Merchants Compliance Zones Rule Num
Page 115 and 116: Special Issuer Programs 6.6.5 Commu
Page 117 and 118: Special Issuer Programs 6.2 Affinit
Page 119 and 120: Special Issuer Programs 6.3 Brand V
Page 121 and 122: Special Issuer Programs 6.4 Remote
Page 123 and 124: Special Issuer Programs 6.6 Prepaid
Page 125 and 126: Special Issuer Programs 6.6 Prepaid
Page 127 and 128: Special Issuer Programs Compliance
Page 129: Chapter 7 Service Providers This ch
Page 133 and 134: A person that performs any one or m
Page 135 and 136: Service Providers 7.3 General Oblig
Page 141 and 142: 7.3.14 Indemnification Service Prov
Page 143 and 144: 7.4.2 Collection of Funds Service P
Page 145 and 146: Service Providers 7.6 Service Provi
Page 147 and 148: Service Providers 7.7 Type I TPP Ev
Page 149 and 150: Service Providers Compliance Zones
Page 151 and 152: Sales Transactions and Cash Disburs
Page 153 and 154: 8.1 Transaction Requirements Sales
Page 161 and 162: IF... THEN... The final Transaction
Page 163 and 164: c. The currency symbol or code of e
Page 179 and 180: 8.4.9 Automated Fuel Dispenser Tran
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Sales Transactions and Cash Disburs
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Acquirers must ensure that all part
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8.6 POI Currency Conversion Sales T
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Chapter 9 Settlement This chapter c
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Settlement 9.3 Currency Conversion
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Settlement 9.6 Cost Studies 9.5.2 I
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Chapter 10 Asia/Pacific Region Rule
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Organization of this Chapter Asia/P
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Asia/Pacific Region Rules 4.1 Right
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Asia/Pacific Region Rules 5.11 Proh
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6.2 Affinity and Co-Brand Card Prog
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Asia/Pacific Region Rules Section 1
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Asia/Pacific Region Rules Section 1
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9.5.2 Intraregional Fees Asia/Pacif
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Organization of this Chapter Canada
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Canada Region Rules 8.4 Requirement
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Canada Region Rules Section 11a—C
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Canada Region Rules Section 11a—C
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Chapter 12 Europe Region Rules This
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Europe Region Rules 8.4.3.3 MasterC
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Organization of this Chapter Defini
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2.3.2 Central Acquiring Europe Regi
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2.3.2.5 Registration Procedure Euro
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Europe Region Rules 3.4 Choice of L
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c. The basis for calculation of the
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Europe Region Rules 3.6 Provision a
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Europe Region Rules 3.10 Limitation
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5.1 The Merchant Agreement 5.1.2 Re
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8.1 Transaction Requirements 8.1.1
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Europe Region Rules 8.3 Card Accept
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8.4.3 Card-not-present Transactions
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Europe Region Rules 8.4 Requirement
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Europe Region Rules 8.4 Requirement
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Europe Region Rules 8.8 Use of Auto
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Europe Region Rules 9.2 Net Settlem
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2.7 Liability for Assigned ICAs and
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8.4.5 Purchase With Cash Back Trans
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Europe Region Rules Section 12b—S
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Chapter 13 Latin America and the Ca
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Latin America and the Caribbean Reg
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Organization of this Chapter South
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South Asia/Middle East/Africa Regio
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4.2 General Rules for Use of the Ma
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Section 14b—India Rules Organizat
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8.4.5 Purchase With Cash Back Trans
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United States Region Rules 5.11.2 C
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Organization of this Chapter Defini
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United States Region Rules 2.11 Sal
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United States Region Rules 3.8 Auth
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United States Region Rules 3.9 Addi
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United States Region Rules 3.13 Acc
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United States Region Rules 5.11 Pro
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7.2 Service Provider Categories 7.1
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United States Region Rules 7.6 Serv
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United States Region Rules 8.2 Auth
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Effective Date MCC Description 7997
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NOTE Effective Date MCC Description
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United States Region Rules 8.9 Acqu
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2.19 Risk of Loss United States Reg
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United States Region Rules Section
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Appendix A Geographical Regions A.1
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Geographical Regions A.2 Canada Reg
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Geographical Regions A.3.1 Single E
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Geographical Regions A.4 Latin Amer
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Geographical Regions A.5 South Asia
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Appendix B Transaction Identificati
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Transaction Identification Requirem
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Appendix C Cardholder-activated Ter
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Cardholder-activated Terminal (CAT)
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Appendix D Lodging Merchant Service
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Lodging Merchant Services D.2 Expre
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