MasterCard Rules (PDF)

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United States Region Rules 8.2 Authorization Requirements Effective Date MCC Description 5200 Home Supply Warehouse Stores 5300 Wholesale Clubs 5310 Discount Stores 5311 Department Stores 5331 Variety Stores 5399 Miscellaneous General Merchandise Stores 5411 Grocery Stores, Supermarkets 5499 Miscellaneous Food Stores—Convenience Stores, Markets, Specialty Stores and Vending Machines 5541 Service Stations (with or without Ancillary Services) 5542 Fuel Dispenser, Automated 5732 Electronic Sales 5734 Computer Software Stores 5735 Record Shops 5812 Eating Places, Restaurants 5814 Fast Food Restaurants 5912 Drug Stores, Pharmacies 5921 Package Stores, Beer, Wine, and Liquor 5941 Sporting Goods Stores 5942 Book Stores 5943 Office, School Supply and Stationery Stores 5964 Direct Marketing—Catalog Merchants 5965 Direct Marketing—Combination Catalog—Retail Merchants 5966 Direct Marketing—Outbound Telemarketing Merchants 5967 Direct Marketing—Inbound Telemarketing Merchants 5969 Direct Marketing—Other Direct Marketers—not elsewhere classified 5999 Miscellaneous and Specialty Retail Stores 7829 Motion Picture-Video Tape Production-Distribution 7832 Motion Picture Theaters ©1969–2012 MasterCard. Proprietary. All rights reserved. 15-20 12 December 2012 • MasterCard Rules
NOTE Effective Date MCC Description 1 November 2010 United States Region Rules 8.4 Requirements for Specific Transaction Types 7841 Video Entertainment Rental Stores 8011 Doctors—not elsewhere classified 8021 Dentists, Orthodontists 8041 Chiropractors 8042 Optometrists, Ophthalmologists 8043 Opticians, Optical Goods, and Eyeglasses 8062 Hospitals 8099 Health Practitioners, Medical Services—not elsewhere classified 4111 Transportation—Suburban and Local Commuter Passenger, including Ferries 4816 Computer Network/Information Services 4899 Cable, Satellite, and Other Pay Television and Radio Services 7996 Amusement Parks, Carnivals, Circuses, Fortune Tellers 7997 Clubs—Country Membership 7999 Recreation Services—not elsewhere classified 1 May 2011 8999 Professional Services—not elsewhere classified 9399 Government Services—not elsewhere classified Acquirers of Merchants in the MCCs listed in this table with an effective date of 1 May 2010 or 1 November 2010 must support these requirements in all stand-alone POS Terminal software updates performed after 1 May 2010 and for all stand-alone POS Terminals that are deployed after 1 May 2010. For the purposes of this section, stand-alone POS Terminals are POS Terminals that are not integrated into a Merchant’s POS system, such that the Transaction amount must be manually entered into the POS Terminal. 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 as follows: ©1969–2012 MasterCard. Proprietary. All rights reserved. MasterCard Rules • 12 December 2012 15-21
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MasterCard Rules 12 December 2012
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Summary of Changes, 12 December 201
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Description of Change Where to Look
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Table of Contents Definitions .....
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Table of Contents 3.6 Provision and
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Table of Contents 5.8 Card Acceptan
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Table of Contents 7.3.11 Settlement
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Table of Contents 9.1 Definitions..
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Table of Contents 5.8 Card Acceptan
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Table of Contents 2.1 Purpose of Li
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Table of Contents 3.9 Additional Cu
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Table of Contents C.2.4 CAT Level 3
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Card A card issued by a Customer pu
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Electronic Money Issuer An Electron
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MasterCard PayPass Magnetic Stripe
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Processed Transaction A Transaction
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Sub-merchant A merchant that, pursu
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1.1 Types of Customers Participatio
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Participation 1.5 Obligations, Righ
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Participation 1.6 Termination of Pa
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Chapter 2 Licensing and Licensed Ac
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Licensing and Licensed Activities 2
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Licensing and Licensed Activities C
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Customer Obligations 3.7 Quarterly
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Customer Obligations 3.1 Standards
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Customer Obligations 3.1 Standards
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Customer Obligations 3.2 Conduct of
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Customer Obligations 3.3 Indemnity
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Customer Obligations 3.6 Provision
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Customer Obligations 3.6 Provision
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Customer Obligations 3.7 Quarterly
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Customer Obligations 3.9 Additional
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Customer Obligations 3.10 Limitatio
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Chapter 4 Trademarks and Service Ma
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4.1 Right to Use the Marks 4.1.1 Li
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Trademarks and Service Marks 4.2 Ge
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NOTE Trademarks and Service Marks 4
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Trademarks and Service Marks 4.2 Ge
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Trademarks and Service Marks Compli
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Chapter 5 Merchants This chapter co
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5.1 The Merchant Agreement Merchant
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5.2 Acquirer Obligations Merchants
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Merchants 5.4 Use of a Payment Faci
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Merchants 5.5 Payment Facilitator O
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Merchants 5.5 Payment Facilitator O
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5.5.4.4 Payments to Sub-merchants M
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Merchants 5.7 Use of the Marks An A
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5.8.4 Additional Cardholder Identif
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Merchants 5.11 Prohibited Practices
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5.11.8 Disparagement NOTE 5.12 Secu
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Merchants Compliance Zones Rule Num
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Special Issuer Programs 6.6.5 Commu
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Special Issuer Programs 6.2 Affinit
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Special Issuer Programs 6.3 Brand V
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Special Issuer Programs 6.4 Remote
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Special Issuer Programs 6.6 Prepaid
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Special Issuer Programs 6.6 Prepaid
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Special Issuer Programs Compliance
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Chapter 7 Service Providers This ch
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7.1 Service Provider Categories Ser
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A person that performs any one or m
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Service Providers 7.3 General Oblig
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7.3.14 Indemnification Service Prov
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7.4.2 Collection of Funds Service P
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Service Providers 7.6 Service Provi
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Service Providers 7.7 Type I TPP Ev
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Service Providers Compliance Zones
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Sales Transactions and Cash Disburs
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8.1 Transaction Requirements Sales
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IF... THEN... The final Transaction
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c. The currency symbol or code of e
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8.4.9 Automated Fuel Dispenser Tran
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Acquirers must ensure that all part
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8.6 POI Currency Conversion Sales T
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Chapter 9 Settlement This chapter c
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Settlement 9.3 Currency Conversion
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Settlement 9.6 Cost Studies 9.5.2 I
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Chapter 10 Asia/Pacific Region Rule
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Organization of this Chapter Asia/P
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Asia/Pacific Region Rules 4.1 Right
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Asia/Pacific Region Rules 5.11 Proh
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6.2 Affinity and Co-Brand Card Prog
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Asia/Pacific Region Rules Section 1
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Asia/Pacific Region Rules Section 1
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9.5.2 Intraregional Fees Asia/Pacif
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Organization of this Chapter Canada
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Canada Region Rules 8.4 Requirement
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Canada Region Rules Section 11a—C
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Canada Region Rules Section 11a—C
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Chapter 12 Europe Region Rules This
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Europe Region Rules 8.4.3.3 MasterC
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Organization of this Chapter Defini
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2.3.2 Central Acquiring Europe Regi
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2.3.2.5 Registration Procedure Euro
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Europe Region Rules 3.4 Choice of L
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c. The basis for calculation of the
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Europe Region Rules 3.6 Provision a
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Europe Region Rules 3.10 Limitation
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5.1 The Merchant Agreement 5.1.2 Re
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8.1 Transaction Requirements 8.1.1
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Europe Region Rules 8.3 Card Accept
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8.4.3 Card-not-present Transactions
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Europe Region Rules 8.4 Requirement
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Page 293 and 294: 7.2 Service Provider Categories 7.1
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Page 297 and 298: United States Region Rules 8.2 Auth
Page 299: Effective Date MCC Description 7997
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Page 305 and 306: 2.19 Risk of Loss United States Reg
Page 307 and 308: United States Region Rules Section
Page 309 and 310: Appendix A Geographical Regions A.1
Page 311 and 312: Geographical Regions A.2 Canada Reg
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Page 315 and 316: Geographical Regions A.4 Latin Amer
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Page 319 and 320: Appendix B Transaction Identificati
Page 321 and 322: Transaction Identification Requirem
Page 331 and 332: Appendix C Cardholder-activated Ter
Page 333 and 334: Cardholder-activated Terminal (CAT)
Page 341 and 342: Appendix D Lodging Merchant Service
Page 343 and 344: Lodging Merchant Services D.2 Expre
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