MasterCard Rules (PDF)

United States Region Rules
Section 15b—United States Region PIN-based Debit Transaction Rules
Section 15b—United States Region PIN-based Debit
Transaction Rules
Organization of this Section
Rules in this Section 15b are variances and additions to the “global” Rules that
apply in the U.S. Region. These Rules relate to Debit MasterCard Cards where a
PIN is used as the Cardholder verification method.
Definitions
Solely for the purposes of this Section 15b, the following terms have the
meanings set forth below.
1. “Debit” or “Debit MasterCard Card” shall mean any Access Device or Card
that, when presented for payment in the United States, accesses, debits,
holds, or settles funds from a demand deposit or asset account and where
PIN is used as the Cardholder verification method.
2. “Service Marks” shall mean (i) from an issuing perspective, the MasterCard
Word Mark and/or the MasterCard Brand Marks as those terms are defined
in the Definitions chapter of this manual, and (ii) from an acquiring
perspective, the MasterCard Word Mark and/or the MasterCard Brand Marks
as those terms are defined in the Definitions chapter of this manual and the
MAESTRO trademarks, trade names, service marks, logotypes, and trade
designations made available for use pursuant to License by the Corporation.
3. “Maestro Marks” shall mean the MAESTRO trademarks, trade names, service
marks, logotypes, and trade designations made available for use pursuant to
license by the Corporation.
4. “Cirrus Marks” shall mean the CIRRUS trademarks, trade names, service
marks, logotypes, and trade designations made available for use pursuant to
license by the Corporation.
3.9 Transaction Requirements
3.9.6 PIN-based Debit Transactions
Customers may choose to issue Debit MasterCard Cards where a PIN is used as
the Cardholder verification method and/or acquire Transactions effected with
such Cards as defined in this Section 15b. If Customers so choose, the rules
contained in the Maestro Global Rules will apply to such Transactions except
1. for the requirements contained in sections 1.2 Eligibility to be a Customer,
1.3 Application to be a Customer (as those requirements relate to issuing
Activity), 1.7 Termination of License, 4.5 Display on Cards, and 6.1.1 b.1.
Eligible Cards, of that rulebook, and
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MasterCard Rules • 12 December 2012 15-27