MasterCard Rules (PDF)

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:
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MasterCard Rules • 12 December 2012 12-23