MasterCard Rules (PDF)

Europe Region Rules
8.4 Requirements for Specific Transaction Types
8.3.5 Completing the Transaction
8.3.5.1 TID Information Requirements
Rule 8.3.5.1 of Chapter 8, “Sales Transactions and Cash Disbursements,” is
modified to include the following:
An electronically-generated terminal receipt may show the Transaction amount
in the Transaction currency and a maximum of one different currency. The
Transaction amount in a different currency must be printed at the bottom of
the receipt with a clear indication that it is being provided only for information
purposes.
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 with respect to chip Transactions effected
wholly within the Region.
For purposes of these Rules, “EMV-compliant” means in compliance with the
EMV standards then in effect.
1. Chip Liability Shift. The liability for intraregional counterfeit fraudulent
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.
2. Chip/PIN Liability Shift. The liability for intraregional lost, stolen, and never
received fraudulent Transactions in which one Regional Customer (either
the Issuer or the Acquirer) is not yet able to support chip/PIN Transactions
is borne by the non-chip/PIN-compliant Regional Customer.
3. PIN Entry Device Mandate. All new, replaced, or upgraded Hybrid POS
Terminals must at a minimum support offline PIN (encrypted and clear text)
for processing chip Transactions and will not pass the Acquirer Terminal
Integration Process unless they are equipped with a PIN pad. >>
The PIN pad mandate does not apply to CAT Level 2 and 3 Hybrid POS
Terminals, or Chip-only MPOS Terminals.
4. Technical Fallback. At Cardholder-activated terminals (CATs) Level 1 and 2,
if both the Card and the CAT support chip technology, the Transaction may
only be completed using the chip. Technical fallback is not permitted at
such terminals.
5. Presentment Data. For each chip Transaction, the Acquirer must send EMV
chip data in DE 55 (Integrated Circuit Card [ICC] System-Related Data) of
the First Presentment/1240 message.
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12-20 12 December 2012 • MasterCard Rules