MasterCard Rules (PDF)

Canada Region Rules
5.2 Acquirer Obligations
5.2 Acquirer Obligations
5.2.4 Payments to Merchants
Rule 5.2.4 of Chapter 5, “Merchants,” is modified to include the following:
Each Customer that acquires Transactions from Canadian Merchants must have
a deposit account for each Merchant from which it acquires such Transactions,
and the proceeds of such Transactions must be deposited by the Customer
in such Merchant’s deposit account.
5.12 Discounts or Other Benefits at the Point of Interaction
The use of an Affinity Card Program or Co-Brand Card Program Card to activate
a discount or other benefit at the POI that is not available on similar purchases
with the use of any other Card is permitted for Transactions effected wholly
within the Region. The determination of whether any such discount or other
POI benefit practice complies with the Standards is at the sole discretion of
the Corporation’s staff.
7.2 Program Service >>
Rule 7.2 of Chapter 7, “Service Providers,” is modified to include the following:
A Canada region Customer that performs services to effect the payment of
an outstanding balance on a Card account issued by another Canada region
Customer for or on behalf of such Customer's Cardholder is deemed not to be a
Service Provider of such Customer.
8.4 Requirements for Specific Transaction Types
8.4.1 Chip Transactions and Acceptance at Hybrid POS Terminals
Rule 8.4.1 of Chapter 8, “Sales Transactions and Cash Disbursements” is
modified to include the following:
For purposes of these Rules, “EMV chip-compliant” means operating any chip
device including Cards, ATMs, POI Terminals, electronic cash registers (ECRs),
and PIN pads that are in accordance fully with the Standards relative to EMV
standards; and “chip/PIN-compliant” means issuing PIN-preferring Chip Cards
or operating PIN-capable Hybrid POS Terminals as such terms are defined in
Rule 8.4.1 in Chapter 8 of this manual.
1. Chip Liability Shift. The liability for Canada intraregional counterfeit
Transactions in which one Customer (either the Issuer or the Acquirer) is not
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11-2 12 December 2012 • MasterCard Rules