MasterCard Rules (PDF)

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United States Region Rules Section 15b—United States Region PIN-based Debit Transaction Rules 2. that when the term “Customer” appears in the text of the Maestro Global Rules, the definition of that term contained in the Definitions chapter of this manual applies, and 3. that when the term “Marks” appears in the text of the Maestro Global Rules, the definition of that term contained in part 2 of the Definitions section in this Section 15b applies. ©1969–2012 MasterCard. Proprietary. All rights reserved. 15-28 12 December 2012 • MasterCard Rules
Appendix A Geographical Regions A.1 Asia/Pacific Region..................................................................................................................A-1 A.2 Canada Region ........................................................................................................................A-2 A.3 Europe Region.........................................................................................................................A-2 A.3.1 Single European Payments Area (SEPA) .........................................................................A-4 A.4 Latin America and the Caribbean Region ................................................................................A-5 A.5 South Asia/Middle East/Africa Region .....................................................................................A-7 A.6 United States Region................................................................................................................A-9 ©1969–2012 MasterCard. Proprietary. All rights reserved. MasterCard Rules • 12 December 2012 A-i
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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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Europe Region Rules 8.4 Requirement
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Europe Region Rules 8.8 Use of Auto
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Europe Region Rules 9.2 Net Settlem
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2.7 Liability for Assigned ICAs and
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Page 281 and 282: Organization of this Chapter Defini
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Page 285 and 286: United States Region Rules 3.8 Auth
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Page 289 and 290: United States Region Rules 3.13 Acc
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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 and 300: Effective Date MCC Description 7997
Page 301 and 302: NOTE Effective Date MCC Description
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Page 305 and 306: 2.19 Risk of Loss United States Reg
Page 307: United States Region Rules Section
Page 311 and 312: Geographical Regions A.2 Canada Reg
Page 313 and 314: Geographical Regions A.3.1 Single E
Page 315 and 316: Geographical Regions A.4 Latin Amer
Page 317 and 318: Geographical Regions A.5 South Asia
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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