MasterCard Rules (PDF)

Europe Region Rules
3.4 Choice of Laws
The percentage is calculated separately for each Card product, as determined
by the Card product identifier and functionality (for example, POS vs. cash
disbursement).
Intracountry fallback rules remain in effect until changed or challenged. If
intracountry fallback rules are challenged because the Customers agreeing to
them no longer meet the 75 percent threshold, the Rules (including the Europe
Region Rules) will apply in their place, as from the date when the Corporation
has determined that the 75 percent threshold is no longer met.
Intracountry fallback rules must be non-discriminatory, justifiable and not in
conflict with the Rules (including the Europe Region Rules and any Rules
established by the Corporation for Intracountry Transactions). Intracountry
fallback Rules must not discriminate against Cardholders (including international
Cardholders) or jeopardize the integrity of the Payment Scheme.
3.1.3.1 Order of Precedence
For any Intracountry Transaction, the intracountry Rules established by the
Corporation apply, or if none, the intracountry fallback rules established by
Customers pursuant to the preceding Rule apply, or if none, the intraregional
Rules apply, or if none, the interregional Rules apply.
3.1.4 Communication of Intracountry Fallback Rules
3.4 Choice of Laws
Customers that agree to intracountry fallback rules must provide the Corporation
with a copy of such rules as well as with any subsequent changes to those
rules. The Corporation must be notified of intracountry fallback rules well in
advance of their effective dates, unless exceptional circumstances make this
impossible. Exceptional circumstances must be related to events beyond the
control of the Customers, such as a change in laws or regulations, compliance
with which requires immediate action.
Intracountry fallback rules that have not been provided to and acknowledged
by the Corporation are not applicable.
The Corporation will endeavor to publish intracountry fallback rules and
their revisions at least three calendar months prior to their effective dates. If
exceptional circumstances apply, the period will not be less than one calendar
month before the effective date. If necessary, the initially notified effective date
will be delayed to respect these time frames.
Rule 3.4 of Chapter 3, “Customer Obligations,” is replaced in its entirety by
the following:
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MasterCard Rules • 12 December 2012 12-7