MasterCard Rules (PDF)

Sales Transactions and Cash Disbursements
8.4 Requirements for Specific Transaction Types
8.4.4.4 Mobile MasterCard PayPass-M/Chip Transactions
NOTE
A Rule on this topic appears in Chapter 12, “Europe Region Rules.”
8.4.5 Quick Payment Service (QPS) Program
A Quick Payment Service (QPS) Transaction is a Card-read face-to-face >>
Transaction approved by the Issuer that occurs at a Merchant in an eligible
Merchant category and for an amount equal to or less than the applicable
chargeback protection amount, as defined by Merchant country in Appendix C
of the Chargeback Guide. For each QPS Transaction:
1. Use of signature as the CVM is at the Merchant’s option; and
2. The provision of a Transaction receipt to the Cardholder is at the Merchant’s
option. The Merchant must provide a receipt at the Cardholder’s request.
Chargeback protection applies with respect to message reason codes 4802 >>
and 4837. The Corporation will populate PDS 0044 (Program Participation
Indicator), subfield 2 (QPS/PayPass Chargeback Eligibility Indicator) with a the
value I (Ineligible for Chargeback) in the First and Second Presentment/1240
messages specifying that a chargeback is invalid for properly identified QPS
Transactions equal to or less than the applicable chargeback protection amount.
For QPS Transaction identification requirements, see Appendix B of this manual.
8.4.6 Purchase with Cash Back Transactions
Purchase with cash back is an optional service that a Merchant may offer, with
the prior approval of its Acquirer, at the POI in a Card-present, face-to-face
Transaction environment only. The following requirements apply to purchase
with cash back Transactions:
1. A purchase with cash back Transaction is a Transaction arising from the use
of a Debit MasterCard Card but not any other type of Card.
2. In a purchase with cash back Transaction, cash may only be provided in
combination with a purchase.
3. Acquirers and Merchants that choose to provide purchase with cash back
Transactions first must establish an education program for Merchant
employee staff, including but not limited to POS Terminal operators.
4. Acquirers or Merchants may establish a minimum and maximum cash back
amount of the purchase with cash back Transaction, provided that:
a. Any such minimum or maximum amount is applied uniformly to all
Cardholders.
b. Any minimum amount is not greater than the minimum amount
established for any other payment means accepted at the Merchant
location.
©1969–2012 MasterCard. Proprietary. All rights reserved.
MasterCard Rules • 12 December 2012 8-25