MasterCard Rules (PDF)

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Sales Transactions and Cash Disbursements Compliance Zones Rule Number/Rule Title Category 8.1 Transaction Requirements A 8.1.1 Euro Migration C 8.2 Authorization Requirements A 8.2.1 Full and Partial Reversals A 8.2.1.1 Reversal for Conversion of Approval to Decline A 8.2.2 Full and Partial Approvals and Account Balance Responses A 8.3 Card Acceptance Procedures B 8.3.5.1 TID Information Requirements A 8.3.5.2 Prohibited Information A 8.3.6 Multiple TIDs and Partial Payment 8.3.7 Specific Terms of a Transaction B 8.3.8 Charges for Loss, Theft, or Damage B 8.4 Requirements for Specific Transaction Types B 8.4.13 PIN-based Debit Transactions A 8.7 Chargebacks for Reissued Cards C 8.9 Acquirer Host System Requirements A 8.10 Cash Disbursements A 8.10.1 Nondiscrimination A 8.10.2 Maximum Cash Disbursement Amounts B 8.10.3 Discount or Service Charges B 8.10.4 MasterCard Acceptance Mark Must Be Displayed B ©1969–2012 MasterCard. Proprietary. All rights reserved. 8-38 12 December 2012 • MasterCard Rules B
Chapter 9 Settlement This chapter contains information about settlement procedures. 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 ©1969–2012 MasterCard. Proprietary. All rights reserved. MasterCard Rules • 12 December 2012 9-i
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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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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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Service Providers 7.3 General Oblig
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Page 141 and 142: 7.3.14 Indemnification Service Prov
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Page 145 and 146: Service Providers 7.6 Service Provi
Page 147 and 148: Service Providers 7.7 Type I TPP Ev
Page 149 and 150: Service Providers Compliance Zones
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Page 153 and 154: 8.1 Transaction Requirements Sales
Page 161 and 162: IF... THEN... The final Transaction
Page 163 and 164: c. The currency symbol or code of e
Page 179 and 180: 8.4.9 Automated Fuel Dispenser Tran
Page 185 and 186: Acquirers must ensure that all part
Page 187 and 188: 8.6 POI Currency Conversion Sales T
Page 189: Sales Transactions and Cash Disburs
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
Page 201 and 202: Asia/Pacific Region Rules 4.1 Right
Page 203 and 204: Asia/Pacific Region Rules 5.11 Proh
Page 205 and 206: 6.2 Affinity and Co-Brand Card Prog
Page 207 and 208: Asia/Pacific Region Rules Section 1
Page 209 and 210: Asia/Pacific Region Rules Section 1
Page 211 and 212: 9.5.2 Intraregional Fees Asia/Pacif
Page 213 and 214: Organization of this Chapter Canada
Page 215 and 216: Canada Region Rules 8.4 Requirement
Page 217 and 218: Canada Region Rules Section 11a—C
Page 219 and 220: Canada Region Rules Section 11a—C
Page 221 and 222: Chapter 12 Europe Region Rules This
Page 223 and 224: Europe Region Rules 8.4.3.3 MasterC
Page 225 and 226: Organization of this Chapter Defini
Page 227 and 228: 2.3.2 Central Acquiring Europe Regi
Page 229 and 230: 2.3.2.5 Registration Procedure Euro
Page 231 and 232: Europe Region Rules 3.4 Choice of L
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Page 237 and 238: Europe Region Rules 3.10 Limitation
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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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