MasterCard Rules (PDF)

Europe Region Rules
3.8.3 Stand-In Processing Service..........................................................................................12-12
3.8.4 Issuer Performance Standards ......................................................................................12-12
3.8.4.1 Issuer Failure Rate (Substandard Performance)...................................................12-13
3.8.4.2 Calculation of the Issuer Failure Rate..................................................................12-13
3.8.4.3 Assessments for Substandard Performance .........................................................12-13
3.10 Limitation of Liability of Cardholders for Unauthorized Use...............................................12-13
4.1 Right to Use the Marks..........................................................................................................12-14
4.1.2 Protection and Registration of the Marks .....................................................................12-14
5.1 The Merchant Agreement......................................................................................................12-15
5.1.2 Required Terms............................................................................................................12-15
5.4 Use of a Payment Facilitator .................................................................................................12-15
5.4.1 Responsibility for Payment Facilitator and Sub-merchant Activity ...............................12-15
5.8 Card Acceptance Requirements ............................................................................................12-15
5.8.2 Merchant Acceptance ...................................................................................................12-15
5.11 Prohibited Practices.............................................................................................................12-15
5.11.2 Charges to Cardholders ..............................................................................................12-15
5.13 Discounts or Other Benefits at the Point of Interaction ......................................................12-16
6.2 Affinity and Co-Brand Card Programs...................................................................................12-16
6.2.5 Multiple Partners ..........................................................................................................12-16
6.3 Co-Residing Applications ......................................................................................................12-16
6.3.1 Definitions....................................................................................................................12-16
6.3.2 Basic Requirements ......................................................................................................12-16
6.3.3 Notification...................................................................................................................12-16
8.1 Transaction Requirements .....................................................................................................12-17
8.1.1 Euro Migration ............................................................................................................12-17
8.2 Authorization Requirements..................................................................................................12-17
8.2.1 Full and Partial Reversals .............................................................................................12-17
8.2.2 Full and Partial Approvals and Account Balance Responses........................................12-18
8.3 Card Acceptance Procedures ................................................................................................12-19
8.3.3 Obtaining an Authorization..........................................................................................12-19
8.3.3.1 When to Obtain an Authorization .......................................................................12-19
8.3.5 Completing the Transaction .........................................................................................12-20
8.3.5.1 TID Information Requirements............................................................................12-20
8.4 Requirements for Specific Transaction Types........................................................................12-20
8.4.1 Chip Transactions and Acceptance at Hybrid POS Terminals ......................................12-20
8.4.3 Card-not-present Transactions......................................................................................12-21
8.4.3.2 Recurring Payment Transactions..........................................................................12-21
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12-ii 12 December 2012 • MasterCard Rules