MasterCard Rules (PDF)

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Europe Region Rules 8.4 Requirements for Specific Transaction Types 8.4.3.3 MasterCard Advance Registration Program (MARP) Transactions Issuers must technically support MasterCard Advance Registration Program (MARP) Transactions. They must make individual authorization decisions and must not automatically decline authorization of MARP Transactions. These Transactions contain a value of 3, 4, or 5 in DE 48 (Additional Data—Private Use), subelement 43 (Static AAV for Maestro or MasterCard Advance Registration Program), position 1 of Authorization Request/0100 messages. Refer to the Customer Interface Specification manual for further information. 8.4.4 MasterCard PayPass Transactions 8.4.4.4 Mobile MasterCard PayPass-M/Chip Transactions >> If a Merchant location deploys any POS Terminals capable of processing any contactless chip transactions with a PIN-based CVM, then the Acquirer must ensure that each such POS Terminal supports at least one of the following Cardholder verification methods: 1. Online PIN verification for any Transaction; and/or 2. Offline verification of the mobile PIN by the Mobile Payment Device for Mobile MasterCard PayPass-M/Chip Transactions. A Mobile MasterCard PayPass-M/Chip Transaction is a MasterCard PayPass-M/Chip Transaction initiated with a Mobile Payment Device that contains Mobile MasterCard PayPass M/Chip functionality. It is strongly recommended that POS Terminals currently supporting online PIN verification also support offline verification of the mobile PIN for Mobile MasterCard PayPass-M/Chip Transactions. POS Terminals capable of processing MasterCard PayPass Transactions that exceed the chargeback protection amount with a PIN-based CVM must also support signature as a CVM option. 8.4.6 Purchase with Cash Back Transactions The following additional Rules apply in the Europe Region. Merchants in the Europe Region may at their option support purchase with cash back Transactions on all types of Cards other than Debit MasterCard Cards in accordance with the Rules in this section. The following Acquirer and Merchant requirements apply to purchase with cash back Transactions: ©1969–2012 MasterCard. Proprietary. All rights reserved. 12-22 12 December 2012 • MasterCard Rules
Europe Region Rules 8.4 Requirements for Specific Transaction Types 1. Cash may be provided only when combined with a purchase Transaction. The purchase, cash back, and total Transaction components of the purchase with cash back Transaction must be in the same currency. 2. Purchase with cash back is available only for chip/PIN and chip/signature Transactions. 3. The Acquirer must obtain positive online authorization of the full Transaction amount; support for authorization of the purchase amount only is optional. 4. An offer of purchase with cash back that is promoted at the point of interaction (POI) must be available to all Cardholders and the Merchant may prompt the Cardholder to use this service. If a Merchant decides to provide purchase with cash back only upon presentation of particular Cards, then the Merchant must not promote the service at the POI location or prompt the Cardholder to use purchase with cash back. 5. Before the Merchant first offers purchase with cash back Transactions to Cardholders, the Acquirer and Merchant must establish an education program for retail employee staff, including but not limited to POS Terminal operators. 6. The maximum cash back amount of the purchase with cash back Transaction is GBP 100 in the United Kingdom and EUR 100 or the local currency equivalent in other Europe Region countries, with the exception of Germany, where the maximum is EUR 200. 7. Acquirers or Merchants may establish a lower maximum cash back amount, provided that: • Any such maximum amount is applied uniformly; and • Any maximum amount is not lower than the maximum amount established for any other payment means on which purchase with cash back is offered at the Merchant location. 8. Acquirers or Merchants may establish a minimum cash back amount, provided that: • Any such minimum amount is applied uniformly; and • Any minimum amount is not greater than the minimum amount established for any other payment means on which purchase with cash back is offered at the Merchant location. 9. The First Presentment/1240 message of each purchase with cash back Transaction must be submitted as follows: ©1969–2012 MasterCard. Proprietary. All rights reserved. MasterCard Rules • 12 December 2012 12-23
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MasterCard Rules 12 December 2012
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Summary of Changes, 12 December 201
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Description of Change Where to Look
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Table of Contents Definitions .....
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Table of Contents 3.6 Provision and
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Table of Contents 5.8 Card Acceptan
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Table of Contents 7.3.11 Settlement
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Table of Contents 9.1 Definitions..
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Table of Contents 5.8 Card Acceptan
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Table of Contents 2.1 Purpose of Li
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Table of Contents 3.9 Additional Cu
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Table of Contents C.2.4 CAT Level 3
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Card A card issued by a Customer pu
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Electronic Money Issuer An Electron
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MasterCard PayPass Magnetic Stripe
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Processed Transaction A Transaction
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Sub-merchant A merchant that, pursu
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1.1 Types of Customers Participatio
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Participation 1.5 Obligations, Righ
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Participation 1.6 Termination of Pa
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Chapter 2 Licensing and Licensed Ac
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Licensing and Licensed Activities 2
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Licensing and Licensed Activities C
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Customer Obligations 3.7 Quarterly
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Customer Obligations 3.1 Standards
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Customer Obligations 3.1 Standards
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Customer Obligations 3.2 Conduct of
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Customer Obligations 3.3 Indemnity
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Customer Obligations 3.6 Provision
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Customer Obligations 3.6 Provision
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Customer Obligations 3.7 Quarterly
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Customer Obligations 3.9 Additional
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Customer Obligations 3.10 Limitatio
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Chapter 4 Trademarks and Service Ma
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4.1 Right to Use the Marks 4.1.1 Li
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Trademarks and Service Marks 4.2 Ge
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NOTE Trademarks and Service Marks 4
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Trademarks and Service Marks 4.2 Ge
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Trademarks and Service Marks Compli
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Chapter 5 Merchants This chapter co
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5.1 The Merchant Agreement Merchant
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5.2 Acquirer Obligations Merchants
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Merchants 5.4 Use of a Payment Faci
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Merchants 5.5 Payment Facilitator O
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Merchants 5.5 Payment Facilitator O
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5.5.4.4 Payments to Sub-merchants M
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Merchants 5.7 Use of the Marks An A
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5.8.4 Additional Cardholder Identif
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Merchants 5.11 Prohibited Practices
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5.11.8 Disparagement NOTE 5.12 Secu
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Merchants Compliance Zones Rule Num
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Special Issuer Programs 6.6.5 Commu
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Special Issuer Programs 6.2 Affinit
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Special Issuer Programs 6.3 Brand V
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Special Issuer Programs 6.4 Remote
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Special Issuer Programs 6.6 Prepaid
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Special Issuer Programs 6.6 Prepaid
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Special Issuer Programs Compliance
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Chapter 7 Service Providers This ch
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7.1 Service Provider Categories Ser
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A person that performs any one or m
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Service Providers 7.3 General Oblig
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7.3.14 Indemnification Service Prov
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7.4.2 Collection of Funds Service P
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Service Providers 7.6 Service Provi
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Service Providers 7.7 Type I TPP Ev
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Service Providers Compliance Zones
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Sales Transactions and Cash Disburs
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8.1 Transaction Requirements Sales
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IF... THEN... The final Transaction
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c. The currency symbol or code of e
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8.4.9 Automated Fuel Dispenser Tran
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Acquirers must ensure that all part
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8.6 POI Currency Conversion Sales T
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Chapter 9 Settlement This chapter c
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Settlement 9.3 Currency Conversion
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Page 221 and 222: Chapter 12 Europe Region Rules This
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Page 257 and 258: 8.4.5 Purchase With Cash Back Trans
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United States Region Rules 8.2 Auth
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Effective Date MCC Description 7997
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NOTE Effective Date MCC Description
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United States Region Rules 8.9 Acqu
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2.19 Risk of Loss United States Reg
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United States Region Rules Section
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Appendix A Geographical Regions A.1
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Geographical Regions A.2 Canada Reg
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Geographical Regions A.3.1 Single E
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Geographical Regions A.4 Latin Amer
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Geographical Regions A.5 South Asia
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Appendix B Transaction Identificati
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Transaction Identification Requirem
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Appendix C Cardholder-activated Ter
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Cardholder-activated Terminal (CAT)
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Appendix D Lodging Merchant Service
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Lodging Merchant Services D.2 Expre
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