MasterCard Rules (PDF)

Section 14b—India Rules
Organization of this Section
South Asia/Middle East/Africa Region Rules
Section 14b—India Rules
The Rules in this Section 14b are variances and additions to the “global” Rules
that apply to Cards issued in India by India Customers and presented for
payment at Merchant locations in India.
Customers and Merchants in India must continue to comply with the global
Rules for Cards issued by Customers outside of India and presented for payment
at Merchant locations in India.
Definitions
Solely for the purposes of this Section 14b, the following terms have the
meanings set forth below.
1. “Debit” or “Debit MasterCard Card” or “Debit Card” shall mean any Access
Device, Program, or Card issued in India, by a Customer licensed in India,
that when presented for payment in India, accesses, debits, holds, or settles
funds from a consumer’s deposit, current, saving, asset or other type of
money account. “Debit” or “Debit MasterCard Card” shall include consumer
signature debit Programs, stored value Programs, prepaid Cards, payroll
Cards and electronic benefit transfer Cards.
2. “IVR Transaction” shall mean a non-face-to-face Transaction conducted by
means of an interactive voice response (IVR) telephone system.
3. “MasterCard Assurance Service” shall mean a MasterCard authentication
service for Merchant-initiated remote payments conducted by Cardholders.
8.4 Requirements for Specific Transaction Types
8.4.2 Card-not-present Transactions
Electronic commerce, mail order, phone order, or IVR Transactions effected at a>>
Merchant located in India with a Card issued in India must be authenticated.
An authenticated Transaction occurs when:
1. The Merchant is Universal Cardholder Authentication Field (UCAF)-enabled;
2. The Issuer provided the UCAF data for that Transaction;
3. All other authorization and clearing requirements applicable to the
Transaction were satisfied; and
4. The Authorization Request Response/0110 message reflected the Issuer’s
approval of the Transaction.
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MasterCard Rules • 12 December 2012 14-7