MasterCard Rules (PDF)

Europe Region Rules
Section 12b—SEPA Rules
scheme marks in addition to the Marks, only one of the additional payment
scheme marks may be placed on the Card front.
2. Effective 1 January 2011, only the marks of payment schemes that are
SCF-compliant may co-reside on Cards with the Marks.
8.1 Transaction Requirements
Paragraph 5 in Rule 8.1 of Chapter 8, “Sales Transactions and Cash
Disbursements” that applies to Cross-border Transactions, does not apply to
Intra-SEPA Transactions.
8.4 Requirements for Specific Transaction Types
8.4.1 Chip Transactions and Acceptance at Hybrid POS Terminals
The following additional Rules apply within SEPA:
1. An Issuer of Cards that does not support both magnetic stripe and EMV chip
technology must have an EMV migration project registered with MasterCard
Customer Implementation Services.
2. An Acquirer with any POS Terminals deployed that do not support both
magnetic stripe and EMV chip technology must have an EMV migration
project registered with MasterCard Customer Implementation Services.
(Note: This requirement does not apply with respect to POS Terminals at
Merchants located in the Netherlands until 1 October 2012.)
3. Cards and POS Terminals must support both magnetic stripe and EMV
chip technology. As an exception to the preceding Rule, nonreloadable
prepaid Cards are not required to support EMV chip technology. (Note:
POS Terminals at Merchants located in the Netherlands are not required to
support EMV chip technology until 2013.)
4. Hybrid POS Terminals must support the use of PIN as the CVM for
intra-SEPA chip Transactions.
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12-36 12 December 2012 • MasterCard Rules