MasterCard Rules (PDF)

Sales Transactions and Cash Disbursements
8.4 Requirements for Specific Transaction Types
c. Any maximum amount is not less than the maximum amounts
established for any other payment means at the merchant location, and
is not more than USD 100 or the local currency equivalent.
5. The authorization and clearing messages of each purchase with cash back
Transaction must comply with the following requirements:
NOTE
a. The Transaction must be identified with a value of 09 (purchase
with cash back) in DE 3 (Processing Code), subfield 1 (Cardholder
Transaction Type).
b. The purchase amount, cash back amount, and total Transaction amount
must be in the same currency.
c. The total Transaction amount (inclusive of the purchase and cash back
amounts) must be transmitted in DE 4 (Amount, Transaction).
d. The cash back amount must be transmitted in DE 54 (Amounts,
Additional).
Variations to this Rule appear in Chapter 12, “Europe Region Rules"; Section
12a, “Europe Region Debit-related Rules”; Section 14a, “South Africa Rules”;
and Section 14b, “India Rules.”
8.4.7 Unique Transactions
Acquirers must properly identify unique Transactions in authorization and
clearing messages. The following types of Transactions are defined as unique
Transactions and must be processed using the appropriate MCC:
• Gambling Transactions (MCC 7995)
• Gambling—Horse Racing, Dog Racing (MCC 9754)
• Money Transfer (MCC 4829)
• Quasi Cash—Customer Financial Institution (MCC 6050)
• Quasi Cash—Merchant (MCC 6051)
All unique Transactions have a floor limit of zero and must be authorized online
by the Issuer. For MCC descriptions, see the Quick Reference Booklet.
8.4.8 Cardholder-Activated Terminal Requirements
A Cardholder-activated terminal (CAT) Transaction occurs at an unattended >>
electronic POS Terminal or by means of a Cardholder-controlled electronic
device (including but not limited to transponders, personal computers, and
mobile phones). Since no Merchant representative is present at the time of the
Transaction, a CAT Transaction is a non-face-to-face Transaction. Examples of
CATs may include ticket dispensing machines, vending machines, automated
fuel dispensers, toll booths, and parking meters. For CAT Transaction
identification and processing requirements, see Rule C.1 in Appendix C.
©1969–2012 MasterCard. Proprietary. All rights reserved.
8-26 12 December 2012 • MasterCard Rules