MasterCard Rules (PDF)

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Chapter 8 Sales Transactions and Cash Disbursements This chapter contains Rules that apply to the cash disbursements that Customers provide. 8.1 Transaction Requirements ........................................................................................................ 8-1 8.1.1 Euro Migration ................................................................................................................ 8-2 8.2 Authorization Requirements..................................................................................................... 8-2 8.2.1 Full and Partial Reversals ................................................................................................ 8-2 8.2.1.1 Reversal for Conversion of Approval to Decline .................................................... 8-2 8.2.2 Full and Partial Approvals and Account Balance Responses........................................... 8-3 8.3 Card Acceptance Procedures ................................................................................................... 8-4 8.3.1 Card Must be Present ...................................................................................................... 8-4 8.3.2 Determine Whether the Card is Valid.............................................................................. 8-5 8.3.2.1 Unsigned Cards ...................................................................................................... 8-6 8.3.2.2 Suspicious Cards..................................................................................................... 8-6 8.3.3 Obtaining an Authorization............................................................................................. 8-6 8.3.3.1 When to Obtain an Authorization .......................................................................... 8-6 8.3.3.2 Chip Transactions ................................................................................................... 8-8 8.3.3.3 Lodging, Cruise Line, and Vehicle Rental Transactions........................................... 8-8 8.3.3.4 Adding a Gratuity ................................................................................................... 8-9 8.3.4 Suspicious Transactions and Pick-up-card Response .................................................... 8-10 8.3.5 Completing the Transaction .......................................................................................... 8-10 8.3.5.1 TID Information Requirements............................................................................. 8-10 8.3.5.2 Prohibited Information ......................................................................................... 8-12 8.3.5.3 Cardholder Verification Method (CVM) ................................................................ 8-12 8.3.5.4 Give the Cardholder a Copy of the Receipt ......................................................... 8-13 8.3.6 Multiple TIDs and Partial Payment................................................................................ 8-13 8.3.7 Specific Terms of a Transaction..................................................................................... 8-14 8.3.7.1 Returned Products and Canceled Services............................................................ 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 8.4.1.1 Hybrid POS Terminal Display Requirements........................................................ 8-16 8.4.1.2 Offline-only Hybrid POS Terminals at Merchants with No Fixed Location........... 8-17 8.4.1.3 CVM Fallback ....................................................................................................... 8-17 8.4.1.4 CVM Failure.......................................................................................................... 8-18 8.4.1.5 Technical Fallback................................................................................................ 8-18 ©1969–2012 MasterCard. Proprietary. All rights reserved. MasterCard Rules • 12 December 2012 8-i
Sales Transactions and Cash Disbursements 8.4.2 Acceptance at Chip-only MPOS Terminals .................................................................... 8-18 8.4.2.1 Chip-only MPOS Terminal Display Requirements ................................................ 8-19 8.4.3 Card-not-present Transactions....................................................................................... 8-19 8.4.3.1 E-commerce Transactions..................................................................................... 8-19 8.4.3.2 Recurring Payment Transactions........................................................................... 8-19 8.4.3.3 MasterCard Advance Registration Program (MARP) Transactions......................... 8-20 8.4.4 MasterCard PayPass Transactions.................................................................................. 8-20 8.4.4.1 Processing MasterCard PayPass Transit Transactions ........................................... 8-21 8.4.4.1.1 Pre-funded................................................................................................... 8-21 8.4.4.1.2 Real-time Authorized ................................................................................... 8-21 8.4.4.1.3 Post-authorized Aggregated......................................................................... 8-21 8.4.4.2 PayPass-only Acceptance ..................................................................................... 8-22 8.4.4.3 MasterCard PayPass-M/Chip Transaction Offline Authorization Limit Amounts .......................................................................................................................... 8-23 8.4.4.4 Mobile MasterCard PayPass-M/Chip Transactions................................................ 8-25 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 8.4.10.1 Gaming Payment Transactions .......................................................................... 8-28 8.4.11 MoneySend Payment Transactions ............................................................................. 8-28 8.4.11.1 MoneySend Payment Transaction Requirements................................................. 8-29 8.4.12 Mobile Remote Payments ............................................................................................ 8-32 8.4.12.1 Mobile Remote Payments Program Requirements .............................................. 8-32 8.4.12.2 Mobile Remote Payment Transaction Requirements........................................... 8-33 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 ©1969–2012 MasterCard. Proprietary. All rights reserved. 8-ii 12 December 2012 • MasterCard Rules
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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
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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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Page 103 and 104: 5.5.4.4 Payments to Sub-merchants M
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Page 109 and 110: Merchants 5.11 Prohibited Practices
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Page 113 and 114: Merchants Compliance Zones Rule Num
Page 115 and 116: Special Issuer Programs 6.6.5 Commu
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Page 123 and 124: Special Issuer Programs 6.6 Prepaid
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Page 127 and 128: Special Issuer Programs Compliance
Page 129 and 130: Chapter 7 Service Providers This ch
Page 131 and 132: 7.1 Service Provider Categories Ser
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
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Page 161 and 162: IF... THEN... The final Transaction
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Page 179 and 180: 8.4.9 Automated Fuel Dispenser Tran
Page 185 and 186: Acquirers must ensure that all part
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Page 191 and 192: Chapter 9 Settlement This chapter c
Page 193 and 194: Settlement 9.3 Currency Conversion
Page 195 and 196: Settlement 9.6 Cost Studies 9.5.2 I
Page 197 and 198: Chapter 10 Asia/Pacific Region Rule
Page 199 and 200: 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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