MasterCard Rules (PDF)

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Table of Contents 8.3.1 Card Must be Present ................................................................................................ 8-4 8.3.2 Determine Whether the Card is Valid........................................................................ 8-5 8.3.3 Obtaining an Authorization....................................................................................... 8-6 8.3.4 Suspicious Transactions and Pick-up-card Response .............................................. 8-10 8.3.5 Completing the Transaction .................................................................................... 8-10 8.3.6 Multiple TIDs and Partial Payment.......................................................................... 8-13 8.3.7 Specific Terms of a Transaction .............................................................................. 8-14 8.3.8 Charges for Loss, Theft, or Damage ........................................................................ 8-14 8.4 Requirements for Specific Transaction Types................................................................... 8-15 8.4.1 Chip Transactions and Acceptance at Hybrid POS Terminals ................................. 8-15 8.4.2 Acceptance at Chip-only MPOS Terminals.............................................................. 8-18 8.4.3 Card-not-present Transactions................................................................................. 8-19 8.4.4 MasterCard PayPass Transactions............................................................................ 8-20 8.4.5 Quick Payment Service (QPS) Program .................................................................. 8-25 8.4.6 Purchase with Cash Back Transactions ................................................................... 8-25 8.4.7 Unique Transactions................................................................................................ 8-26 8.4.8 Cardholder-Activated Terminal Requirements ......................................................... 8-26 8.4.9 Automated Fuel Dispenser Transactions ................................................................. 8-27 8.4.10 Payment Transactions............................................................................................ 8-27 8.4.11 MoneySend Payment Transactions ....................................................................... 8-28 8.4.12 Mobile Remote Payments ...................................................................................... 8-32 8.4.13 PIN-based Debit Transactions ............................................................................... 8-33 8.4.14 Refund Transactions .............................................................................................. 8-34 8.5 Requirements for Specific Merchant Categories ............................................................... 8-34 8.6 POI Currency Conversion ................................................................................................ 8-35 8.7 Chargebacks for Reissued Cards ...................................................................................... 8-35 8.8 Use of Automatic Billing Updater .................................................................................... 8-36 8.9 Acquirer Host System Requirements ................................................................................ 8-36 8.10 Cash Disbursements....................................................................................................... 8-36 8.10.1 Nondiscrimination ................................................................................................. 8-36 8.10.2 Maximum Cash Disbursement Amounts................................................................ 8-36 8.10.3 Discount or Service Charges.................................................................................. 8-37 8.10.4 MasterCard Acceptance Mark Must Be Displayed ................................................. 8-37 8.10.5 Cash Disbursement Procedures............................................................................. 8-37 Compliance Zones ................................................................................................................. 8-37 Chapter 9 Settlement ........................................................................... 9-i ©1969–2012 MasterCard. Proprietary. All rights reserved. viii 12 December 2012 • MasterCard Rules
Table of Contents 9.1 Definitions.......................................................................................................................... 9-1 9.2 Net Settlement.................................................................................................................... 9-1 9.2.1 Settlement Finality..................................................................................................... 9-1 9.3 Currency Conversion ......................................................................................................... 9-2 9.4 Interchange and Service Fees ............................................................................................ 9-2 9.5 Establishment of Intracountry Interchange and Service Fees............................................. 9-2 9.5.1 Default Intracountry Fees.......................................................................................... 9-3 9.5.2 Intraregional Fees...................................................................................................... 9-4 9.5.3 Bilateral Agreement................................................................................................... 9-4 9.6 Cost Studies........................................................................................................................ 9-4 9.6.1 Allocation of Expenses.............................................................................................. 9-4 9.6.2 Noncompliance with a Cost Study ............................................................................ 9-5 Compliance Zones ................................................................................................................... 9-5 Chapter 10 Asia/Pacific Region Rules.................................................. 10-i Organization of this Chapter.................................................................................................. 10-1 3.2 Conduct of Activity .......................................................................................................... 10-1 3.2.7 Acquirers ................................................................................................................. 10-1 3.6 Provision and Use of Information.................................................................................... 10-1 3.6.1 Obligation of Customer to Provide Information...................................................... 10-1 3.10 Limitation of Liability of Cardholders for Unauthorized Use.......................................... 10-2 4.1 Right to Use the Marks..................................................................................................... 10-3 4.1.2 Protection and Registration of the Marks ................................................................ 10-3 4.2 General Rules for Use of Marks ....................................................................................... 10-3 4.2.12 Use of a Competing Mark on Cards ...................................................................... 10-3 4.2.13 Use of Other Acceptance Marks on Cards............................................................. 10-4 5.11 Prohibited Practices........................................................................................................ 10-4 5.11.1 Discrimination ....................................................................................................... 10-4 5.11.2 Charges to Cardholders ......................................................................................... 10-5 5.11.3 Minimum/Maximum Transaction Amount Prohibited............................................ 10-5 5.11.8 Disparagement ...................................................................................................... 10-6 5.13 Discounts or Other Benefits at the Point of Interaction ................................................. 10-6 6.2 Affinity and Co-Brand Card Programs.............................................................................. 10-7 6.2.5 Multiple Partners ..................................................................................................... 10-7 6.3 Brand Value Transactions and Proprietary Accounts........................................................ 10-7 6.3.2 Fees and Reporting Requirements........................................................................... 10-7 ©1969–2012 MasterCard. Proprietary. All rights reserved. MasterCard Rules • 12 December 2012 ix
Page 1 and 2: MasterCard Rules 12 December 2012
Page 3 and 4: Summary of Changes, 12 December 201
Page 5 and 6: Description of Change Where to Look
Page 7 and 8: Table of Contents Definitions .....
Page 9 and 10: Table of Contents 3.6 Provision and
Page 11 and 12: Table of Contents 5.8 Card Acceptan
Page 13: Table of Contents 7.3.11 Settlement
Page 17 and 18: Table of Contents 5.8 Card Acceptan
Page 19 and 20: Table of Contents 2.1 Purpose of Li
Page 21 and 22: Table of Contents 3.9 Additional Cu
Page 23 and 24: Table of Contents C.2.4 CAT Level 3
Page 25 and 26: Card A card issued by a Customer pu
Page 27 and 28: Electronic Money Issuer An Electron
Page 29 and 30: MasterCard PayPass Magnetic Stripe
Page 31 and 32: Processed Transaction A Transaction
Page 33 and 34: Sub-merchant A merchant that, pursu
Page 35 and 36: 1.1 Types of Customers Participatio
Page 37 and 38: Participation 1.5 Obligations, Righ
Page 39 and 40: Participation 1.6 Termination of Pa
Page 41 and 42: Chapter 2 Licensing and Licensed Ac
Page 43 and 44: Licensing and Licensed Activities 2
Page 57 and 58: Licensing and Licensed Activities C
Page 59 and 60: Customer Obligations 3.7 Quarterly
Page 61 and 62: Customer Obligations 3.1 Standards
Page 63 and 64: Customer Obligations 3.1 Standards
Page 65 and 66:
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
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Chapter 4 Trademarks and Service Ma
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4.1 Right to Use the Marks 4.1.1 Li
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Trademarks and Service Marks 4.2 Ge
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NOTE Trademarks and Service Marks 4
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Trademarks and Service Marks 4.2 Ge
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Trademarks and Service Marks Compli
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Chapter 5 Merchants This chapter co
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5.1 The Merchant Agreement Merchant
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5.2 Acquirer Obligations Merchants
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Merchants 5.4 Use of a Payment Faci
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Merchants 5.5 Payment Facilitator O
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Merchants 5.5 Payment Facilitator O
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5.5.4.4 Payments to Sub-merchants M
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Merchants 5.7 Use of the Marks An A
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5.8.4 Additional Cardholder Identif
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Merchants 5.11 Prohibited Practices
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5.11.8 Disparagement NOTE 5.12 Secu
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Merchants Compliance Zones Rule Num
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Special Issuer Programs 6.6.5 Commu
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Special Issuer Programs 6.2 Affinit
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Special Issuer Programs 6.3 Brand V
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Special Issuer Programs 6.4 Remote
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Special Issuer Programs 6.6 Prepaid
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Special Issuer Programs 6.6 Prepaid
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Special Issuer Programs Compliance
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Chapter 7 Service Providers This ch
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7.1 Service Provider Categories Ser
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A person that performs any one or m
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Service Providers 7.3 General Oblig
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7.3.14 Indemnification Service Prov
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7.4.2 Collection of Funds Service P
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Service Providers 7.6 Service Provi
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Service Providers 7.7 Type I TPP Ev
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Service Providers Compliance Zones
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Sales Transactions and Cash Disburs
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8.1 Transaction Requirements Sales
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IF... THEN... The final Transaction
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c. The currency symbol or code of e
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8.4.9 Automated Fuel Dispenser Tran
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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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Page 337 and 338:
Page 339 and 340:
Page 341 and 342:
Appendix D Lodging Merchant Service
Page 343 and 344:
Lodging Merchant Services D.2 Expre
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