MasterCard Rules (PDF)

Europe Region Rules
Section 12b—SEPA Rules
only for its Activity in that country, and must not undertake Activity in the
country before the relevant BIN or BIN range has been implemented. For
Card issuance, different ranges within a BIN may be linked to ICAs assigned
for different SEPA countries.
8. With regard to Intracountry Transactions, the holder of a SEPA License must
comply with the applicable intracountry rules and fees.
3.2 Conduct of Activity
3.2.6 Nondiscrimination
Rule 3.2.6 of Chapter 3, “Customer Obligations,” is modified to include the
following:
A Customer must not, directly or indirectly, prevent or discriminate against
the use of MasterCard as a brand for Intracountry Transactions or Intra-SEPA
Transactions.
By way of example but not limitation:
1. A single certification must be valid for both intracountry and intra-SEPA use
of the MasterCard payment application at the POS Terminal.
2. The prevalence of any particular chip-based payment application at POS
Terminal or Acquirer system level must not be mandated or implemented.
3. If the MasterCard payment application is supported by both the Card and
the POS Terminal, its use must not be blocked or impaired by technical
or other means.
4. If the MasterCard payment application is supported by both the Card and
the terminal, the Cardholder must be given the opportunity to complete
the Transaction with the MasterCard payment application, in an EMV
environment and in all other cases where the POS Terminal is technically
capable of providing that choice to the Cardholder. In an EMV environment,
if the Cardholder is not able to choose a payment application, the priority
order defined by the Issuer in the chip must be respected.
5. Neither the Cardholder’s chosen payment application nor the Issuer’s priority
order may be disregarded or overridden by technical or other means.
4.2 General Rules for Use of the Marks
4.2.13 Use of Other Acceptance Marks on Cards
Rule 4.2.13 of Chapter 4, “Trademarks and Service Marks,” is modified to
include the following:
1. The Marks may co-reside on Cards with other payment scheme marks upon
written agreement with the Corporation. If Cards bear multiple payment
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MasterCard Rules • 12 December 2012 12-35