MasterCard Rules (PDF)

South Asia/Middle East/Africa Region Rules
Section 14b—India Rules
Each IVR Transaction enabled using MasterCard SecureCode must contain a >>
value of 2 (SecureCode phone order) in DE 61 (point-of-service [POS] Data),
subfield 7 (POS Transaction Status) of the Authorization Request/0100 message.
Each IVR, Mail Order, and Telephone Order Transaction enabled using the >>
MasterCard Assurance Service must contain a value of 6 (UCAF Control Byte)
in DE 48, subelement 43, position 1, and a value of MAS in DE 124 of the
Authorization Request/0100 message. For additional information, please contact
ravi_a@mastercard.com.
Refer to section 3.4 of the Chargeback Guide for chargeback rights applicable
to electronic commerce Transactions under the MasterCard SecureCode liability
shift program.
An Issuer may not use message reason codes 4837, 4849 or 4863 to charge >>
back a mail order, phone order, or IVR Transaction that occurs at a Merchant
located in India, if:
1. The Merchant is UCAF-enabled;
2. The Issuer provided the UCAF for that Transaction;
3. All other phone order authorization and clearing requirements were
satisfied, including:
a. the presence of a value of 2 (SecureCode phone order) in DE 61
(Point-of-Service [POS] Data), subfield 7 (POS Transaction Status) of
the Authorization Request/0100 message for IVR Transactions enabled
with MasterCard SecureCode; or
b. the presence of a value of 6 (UCAF Control Byte) in DE 48, subelement
43, position 1, and a value of MAS in DE 124 of the Authorization
Request/0100 message for mail order, phone order, or IVR Transactions
enabled with the MasterCard Assurance Service.
4. The Authorization Request Response/0110 message reflected the Issuer’s
approval of the Transaction.
All Issuers and all Acquirers of e-commerce and IVR Merchants must participate
in the Activation During Shopping (ADS) method of cardholder enrollment
in MasterCard SecureCode. Cardholders must complete enrollment on the
first attempt, and the Issuer must not allow a Cardholder to opt-out of the
SecureCode enrollment process.
Refer to the MasterCard SecureCode Member Enrollment and Implementation
Guide for more information about MasterCard SecureCode and UCAF.
All Issuers and all Acquirers of mail order, phone order, and IVR Merchants >>
participating in the MasterCard Assurance Service must register with the
Corporation.
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14-8 12 December 2012 • MasterCard Rules