MasterCard Rules (PDF)

South Asia/Middle East/Africa Region Rules
5.13 Discounts or Other Benefits at the Point of Interaction
b. primarily for business, commercial, or agricultural purposes; or
c. if a PIN or MasterCard SecureCode is used as the Cardholder verification
method for unauthorized Transaction(s).
5.13 Discounts or Other Benefits at the Point of Interaction
A discount or other benefit may be applied at a POI located in the SAMEA
Region upon presentation of a particular Card for payment. Promotion of any
such discount or other POI benefit is permitted provided such promotion does
not result in discrimination against other Card Programs. The determination of
whether any promotion discriminates against other Card Programs is at the sole
discretion of the Corporation.
8.4 Requirements for Specific Transaction Types
8.4.1 Chip Transactions and Acceptance at Hybrid POS Terminals
Rule 8.4.1 of Chapter 8, “Sales Transactions and Cash Disbursements,” is
modified to include the following.
For purposes of these Rules, a counterfeit Transaction is a type of fraudulent
Transaction.
1. New Terminals. All new or retrofitted ATMs and POS Terminals deployed
by Regional Customers must be EMV-capable.
2. Incentive Interchange Rate. An incentive interchange rate is applied to
intraregional Transactions to:
a. Compensate Issuers of EMV-compliant Cards with an increased
intraregional interchange of ten basis points when the Card is used at a
non–EMV-compliant POS Terminal.
b. Compensate Acquirers using EMV-compliant POS Terminals with
reduced intraregional interchange of ten basis points when a
non–EMV-compliant Card is used at that POS Terminal.
3. Chip Liability Shift for SAMEA. The liability for SAMEA intraregional
counterfeit Card Transactions in which one Customer (either the
Issuer or the Acquirer) is not yet EMV-compliant will be borne by the
non–EMV-compliant Customer.
An interregional chip liability shift is in effect between the Asia/Pacific and
South Asia/Middle East/Africa Regions. All countries within each of these
regions participate.
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MasterCard Rules • 12 December 2012 14-3