MasterCard Rules (PDF)

Asia/Pacific Region Rules
9.5 Establishment of Intracountry Interchange and Service Fees
For purposes of these Rules, a counterfeit Transaction is a type of fraudulent
Transaction; “chip-capable” means the ability to become EMV compliant; and
“EMV-compliant” means in compliance with the EMV standards then in effect.
1. New Chip Capable Terminals. All new ATMs and POI Terminals deployed
by Regional Customers and capable of accepting Chip Cards (credit or
debit) must be EMV-compliant.
2. Incentive Interchange Rate. An incentive interchange rate applies to
intraregional chip Transactions to:
a. Compensate the Issuers of Cards with an increased intraregional
interchange of ten basis points when the Card is used at a non-EMV
compliant terminal.
b. Compensate the Acquirers using EMV-compliant terminals with
a reduced intraregional interchange of ten basis points when a
non–EMV-compliant Card is used at that terminal.
3. Chip Cards. All new and reissued Chip Cards (credit or debit) must be
EMV-compliant in accordance with the Standards.
4. Chip Liability Shift. The liability for intraregional counterfeit Transactions in
which one Regional Customer (either the Issuer or the Acquirer) is not yet
EMV-compliant is borne by the non–EMV-compliant Regional Customer.
An interregional chip liability shift is in effect between the Asia/Pacific and
South Asia/Middle East/Africa Regions. All countries within each of these
regions participate.
8.4.9 Automated Fuel Dispenser Transactions >>
This Rule applies effective 1 May 2012 within Malaysia only:
Malaysia Acquirers must present automated fuel dispenser Transactions (MCC >>
5542) to Malaysia Issuers within two business days of the Transaction date.
Within one business day of the presentment date of an automated fuel dispenser
Transaction (MCC 5542), Malaysia Issuers must:
• post the Transaction to the Cardholder’s account, and
• release any hold amount exceeding the Transaction amount from the
Cardholder’s account.
9.5 Establishment of Intracountry Interchange and Service
Fees
9.5.3 Bilateral Agreement
Rule 9.5.3 of Chapter 9, “Settlement,” is modified to include the following:
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10-8 12 December 2012 • MasterCard Rules