MasterCard Rules (PDF)

Sales Transactions and Cash Disbursements
8.2 Authorization Requirements
1. Register such bilateral or multilateral arrangement with the Corporation
no later than 31 August 2009 and provide such other information as the
Corporation may request in connection with an evaluation of the relevant
arrangement against the network processing standards specified by the
Corporation from time to time.
2. If such arrangement fails to meet or exceed such network processing
standards, work with the Corporation in a good faith and timely manner to
make such adjustments as may be required in order to achieve compliance.
NOTE
Additions to this Rule appear in Chapter 10, “Asia/Pacific Region Rules”; Chapter
13, “Latin America and the Caribbean Region Rules”; and Chapter 15, “United
States Region Rules.”
8.1.1 Euro Migration
NOTE
A Rule on this topic appears in Chapter 12, “Europe Region Rules.”
8.2 Authorization Requirements
The authorization services provided by Principals and Associations as set forth
in Rule 3.8 must comply with the following requirements.
8.2.1 Full and Partial Reversals
Effective for Transactions occurring on or after 8 November 2011, an Issuer
receiving a Reversal Request/0400 message or an Acquirer Reversal Advice/0420
message must release any hold placed on the Cardholder’s account for the
amount specified within 60 minutes of matching the reversal message to the
original authorization request message.
A reversal message sent for the full Transaction amount cancels the original
authorization request.
NOTE
Additions to this Rule appear in Chapter 12, "Europe Region Rules" and Chapter
15, “United States Region Rules.”
8.2.1.1 Reversal for Conversion of Approval to Decline
Effective for Transactions occurring on or after 8 November 2011, an Acquirer
or Merchant may convert an approval authorization request response (herein,
an “Issuer-approved authorization”) into a decline for a Card-not-present
(CNP) Transaction believed, in good faith, by the Acquirer or Merchant to be
fraudulent solely in accordance with the following procedure:
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8-2 12 December 2012 • MasterCard Rules