MasterCard Rules (PDF)

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9.6.2 Noncompliance with a Cost Study Compliance Zones Settlement Compliance Zones A Customer designated to participate in a cost study that fails to fully and timely participate is subject to assessments and other disciplinary action at the sole discretion of the Corporation. The following table identifies the noncompliance category that the Corporation has assigned to the Standards described within this Chapter. These noncompliance categories are assigned for the purposes of assessments under the compliance framework, as described in Rule 3.1.2. Rule Number/Rule Title Category 9.2 Net Settlement A 9.3 Currency Conversion A 9.4 Interchange and Service Fees A 9.5 Establishment of Intracountry Interchange and Service Fees A 9.6 Cost Studies ©1969–2012 MasterCard. Proprietary. All rights reserved. MasterCard Rules • 12 December 2012 9-5 A
Chapter 10 Asia/Pacific Region Rules This chapter contains Rules that apply only to the Asia/Pacific Region. Organization of this Chapter........................................................................................................ 10-1 3.2 Conduct of Activity ................................................................................................................ 10-1 3.2.7 Acquirers ....................................................................................................................... 10-1 3.6 Provision and Use of Information.......................................................................................... 10-1 3.6.1 Obligation of Customer to Provide Information............................................................ 10-1 3.6.1.1 Information to Cardholders .................................................................................. 10-1 3.10 Limitation of Liability of Cardholders for Unauthorized Use................................................ 10-2 4.1 Right to Use the Marks........................................................................................................... 10-3 4.1.2 Protection and Registration of the Marks ...................................................................... 10-3 4.2 General Rules for Use of Marks ............................................................................................. 10-3 4.2.12 Use of a Competing Mark on Cards ............................................................................ 10-3 4.2.13 Use of Other Acceptance Marks on Cards................................................................... 10-4 5.11 Prohibited Practices.............................................................................................................. 10-4 5.11.1 Discrimination ............................................................................................................. 10-4 5.11.2 Charges to Cardholders ............................................................................................... 10-5 5.11.3 Minimum/Maximum Transaction Amount Prohibited.................................................. 10-5 5.11.8 Disparagement ............................................................................................................ 10-6 5.13 Discounts or Other Benefits at the Point of Interaction ....................................................... 10-6 6.2 Affinity and Co-Brand Card Programs.................................................................................... 10-7 6.2.5 Multiple Partners ........................................................................................................... 10-7 6.3 Brand Value Transactions and Proprietary Accounts.............................................................. 10-7 6.3.2 Fees and Reporting Requirements................................................................................. 10-7 8.1 Transaction Requirements ...................................................................................................... 10-7 8.4 Requirements for Specific Transaction Types......................................................................... 10-7 8.4.1 Chip Transactions and Acceptance at Hybrid POS Terminals ....................................... 10-7 8.4.9 Automated Fuel Dispenser Transactions ....................................................................... 10-8 9.5 Establishment of Intracountry Interchange and Service Fees................................................. 10-8 9.5.3 Bilateral Agreement....................................................................................................... 10-8 Section 10a—New Zealand Rules ................................................................................................ 10-9 Organization of this Section................................................................................................... 10-9 Definitions ............................................................................................................................. 10-9 2.6 Obligation to Issue Cards................................................................................................. 10-9 ©1969–2012 MasterCard. Proprietary. All rights reserved. MasterCard Rules • 12 December 2012 10-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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7.3.14 Indemnification Service Prov
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7.4.2 Collection of Funds Service P
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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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