MasterCard Rules (PDF)

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Asia/Pacific Region Rules 2.7 Liability for Assigned ICAs and BINs ..............................................................................10-10 4.2 General Rules for Use of the Marks ................................................................................10-10 4.2.6 Particular Use of a Mark.........................................................................................10-10 4.2.6.6 Use on Cards.................................................................................................10-10 5.1 The Merchant Agreement................................................................................................10-10 5.1.2 Required Terms .....................................................................................................10-10 5.8 Card Acceptance Requirements ......................................................................................10-10 5.8.1 Honor All Cards .....................................................................................................10-10 5.8.2 Merchant Acceptance .............................................................................................10-11 5.11 Prohibited Practices.......................................................................................................10-11 5.11.1 Discrimination ......................................................................................................10-11 5.11.2 Charges to Cardholders ........................................................................................10-11 9.4 Interchange and Service Fees .........................................................................................10-11 9.5 Establishment of Intracountry Interchange and Service Fees..........................................10-12 9.5.1 Default Intracountry Fees.......................................................................................10-12 9.5.2 Intraregional Fees...................................................................................................10-13 ©1969–2012 MasterCard. Proprietary. All rights reserved. 10-ii 12 December 2012 • MasterCard Rules
Organization of this Chapter Asia/Pacific Region Rules Organization of this Chapter The Rules in this Chapter 10 are variances and additions to the “global” Rules that apply in the Asia/Pacific Region. Refer to Appendix A for the Asia/Pacific Region geographic listing. 3.2 Conduct of Activity Each Customer at all times must conduct Activity in compliance with the Standards and with all applicable laws and regulations. Each Customer must conduct all Activity and otherwise operate in a manner that is financially sound and so as to avoid risk to the Corporation and to other Customers. 3.2.7 Acquirers This Rule applies in American Samoa, Guam, and the Northern Mariana Islands only: An Acquirer must not prohibit its Merchant from requesting or encouraging a customer to use a payment card with an acceptance brand other than a MasterCard or other form of payment or a Card of a different product type than the Card the consumer initially presents, or otherwise prohibit its Merchant from engaging in actions consistent with Rule 5.11.1 of this Chapter 10. 3.6 Provision and Use of Information 3.6.1 Obligation of Customer to Provide Information 3.6.1.1 Information to Cardholders The Issuer must provide information to its Cardholders as set forth below. 1. Card Solicitations. Each Issuer of Cards must disclose, clearly and conspicuously, in all Solicitations any amounts relating to the MasterCard Issuer Cross-border Assessment and/or the MasterCard Currency Conversion Assessment that the Issuer charges, or will charge, to the Cardholder. 2. Cardholder Communications. Each Issuer of Cards must disclose, clearly and conspicuously, in all existing Cardholder Communications, including Cardholder agreements and account agreements, any amounts relating to the MasterCard Issuer Cross-border Assessment and/or the MasterCard Currency Conversion Assessment that the Issuer charges, or will charge, to the Cardholder. 3. Periodic Billing Statement. Each Issuer of Cards must provide adequate disclosure on each applicable periodic billing statement, such that the Cardholder can readily determine from the billing statement any amounts ©1969–2012 MasterCard. Proprietary. All rights reserved. MasterCard Rules • 12 December 2012 10-1
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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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Service Providers 7.6 Service Provi
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Page 211 and 212: 9.5.2 Intraregional Fees Asia/Pacif
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Page 215 and 216: Canada 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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