MasterCard Rules (PDF)

United States Region Rules
Section 15a—United States Region Debit-related Rules
Section 15a—United States Region Debit-related Rules
Organization of this Section
The Rules in this Section 15a are variances and additions to the “global” Rules
resulting from the settlement of In Re Visa Check/MasterMoney Antitrust
Litigation. These Rules apply to Debit MasterCard Cards and Other Cards issued
in the U.S. Region by U.S. Region Customers and presented for payment at
Merchant locations in the U.S. Region. Customers and Merchants in the U.S.
Region must continue to comply with the global Rules for Cards issued by
Customers outside of the U.S. Region and presented for payment at Merchant
locations in the Region.
With respect to Debit MasterCard Cards, these Rules apply where signature
is used as the Cardholder verification method (CVM) or where no CVM is
required. For Rules applicable to Debit MasterCard Cards where PIN is used as
the CVM, refer to Section 15b.
Definitions
Solely for the purposes of this Section 15a, 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 the Region, by a Regional Customer,
that when presented for payment in the United States, accesses, debits,
holds, or settles funds from a consumer’s demand deposit or asset account.
“Debit” or “Debit MasterCard Card” shall include consumer signature debit
Programs, stored value Programs, prepaid Cards, payroll Cards, electronic
benefit transfer Cards, and deferred debit Cards that access, debit, hold,
or settle funds from the user’s demand deposit or asset account less than
fourteen days after the date of purchase. “Debit” shall not include any
point-of-sale device that accesses, debits, hold, or settles funds from the
user’s demand deposit or asset account fourteen or more days after the
date of the purchase.
2. “Other Card” shall mean any Access Device, Program, or Card that is not
defined as “debit” or “Debit MasterCard Card”.
2.7 Liability for Assigned ICAs and BINs
Rule 2.7 of Chapter 2, “Licensing and Licensed Activities,” is modified to include
the following:
Transaction/BIN Identification. Customers must use specific and unique bank
identification numbers (BINs) for Debit MasterCard Cards.
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15-24 12 December 2012 • MasterCard Rules