MasterCard Rules (PDF)

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Europe Region Rules 8.4 Requirements for Specific Transaction Types • A value of 09 (purchase with cash back) must be present in DE 3 (Processing Code), subfield 1 (Cardholder Transaction Type). • The total transaction amount (inclusive of the purchase amount and cash back amount) must be transmitted in DE 4 (Amount, Transaction). • The cash back amount must be transmitted in DE 54 (Amounts, Additional). The following Issuer requirements apply to purchase with cash back Transactions: 1. An Issuer that intends to support purchase with cash back Transactions must properly personalize the chip on its Cards. 2. Issuers should use partial authorization to approve only the purchase amount of magnetic stripe Transactions, if they have implemented partial authorization. The cash back amount of a magnetic stripe Transaction must under no circumstances be authorized. 3. When using message reason codes 4853, 4855, 4859, and 4860 to submit a chargeback of a purchase with cash back Transaction, the Issuer may charge back only the purchase amount or a portion thereof, using Function Code of 453 (Partial Amount) in the First Chargeback/1442 message. An Issuer must not charge back the cash back amount or any portion thereof under any of these message reason codes. 8.4.10 Payment Transactions Effective 19 April 2013, the following requirements apply to Issuers in Italy: 1. An Issuer must support, process, and provide a valid authorization response to each Payment Transaction authorization request received, for all prepaid MasterCard, Debit MasterCard (including prepaid), and MasterCard charge Card Programs (revolving credit Card Programs are excluded); and 2. Except with respect to nonreloadable prepaid Cards, an Issuer must not automatically decline Payment Transactions. 8.4.10.1 Gaming Payment Transactions In addition to the Payment Transaction Rules described in Rule 8.4.10 of Chapter 8, “Sales Transactions and Cash Disbursements,” the following requirements apply to Gaming Payment Transactions: 1. The Gaming Payment Transaction may only be used to transfer winnings or unspent chips or other value usable for gambling to the same Card that the Cardholder used to place the bet or purchase value used or usable for gambling. 2. The Gaming Payment Transaction must be properly identified in authorization and clearing messages using MCC 7995, a Transaction type value of 28, and a Payment Transaction program type value of C04. ©1969–2012 MasterCard. Proprietary. All rights reserved. 12-24 12 December 2012 • MasterCard Rules
Europe Region Rules 8.4 Requirements for Specific Transaction Types 3. The Gaming Payment Transaction must not exceed EUR 50,000. >> 4. Electronic commerce Merchants that process Gaming Payment Transactions must be MasterCard® SecureCode-enabled, and must seek Cardholder authentication during authorization of the Transaction in which the bet is placed or the value to be used for gambling is purchased. The MasterCard Advanced Registration Program (MARP) is not available for such Merchants. 5. Mail order and telephone order Merchants may process Gaming Payment Transactions. 6. Gaming Payment Transactions must not be processed to any type of MasterCard Corporate Card. 7. Anti-Money-Laundering requirements: a. The Acquirer must consider its Merchants that submit Gaming Payment Transactions as higher risk under its anti-money laundering compliance program. b. In addition to any requirement under applicable local law or regulation, the Acquirer must satisfy the Corporation requirement to design and implement processes to conduct enhanced customer due diligence reviews of Merchants that submit Gaming Payment Transactions. c. The Acquirer must ensure that Merchants that submit Gaming Payment Transactions have appropriate controls in place to identify their own customers and block suspicious activities or Cards. d. The Acquirer must have robust procedures and ongoing controls in place to monitor Transactions conducted by Merchants that submit Gaming Payment Transactions and to detect and report any potentially suspicious activity. 8. Gaming Payment Transactions may only be processed by Europe Region Acquirers in countries where such Transactions are not prohibited by applicable law and only to Cards issued in the following countries: Country Code Country Country Code Country 020 Andorra 428 Latvia 040 Austria 442 Luxembourg 056 Belgium 470 Malta 100 Bulgaria 492 Monaco 196 Cyprus 528 Netherlands 203 Czech Republic 578 Norway 208 Denmark 642 Romania 233 Estonia 674 San Marino ©1969–2012 MasterCard. Proprietary. All rights reserved. MasterCard Rules • 12 December 2012 12-25
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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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Settlement 9.6 Cost Studies 9.5.2 I
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Page 199 and 200: Organization of this Chapter Asia/P
Page 201 and 202: Asia/Pacific Region Rules 4.1 Right
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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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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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