MasterCard Rules (PDF)

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The Customer must: Licensing and Licensed Activities Compliance Zones 1. Obtain the prior written agreement of any third party designee of the Customer that may be given access to any funds owed by or to the Customer pursuant to the Standards; and 2. Guarantee any such third party designee’s compliance with all its obligations to the Corporation under this Rule. NOTE Compliance Zones An addition to this Rule appears in Section 15a, “United States Region Debit-related Rules.” The following table identifies the noncompliance category that the Corporation has assigned to the Standards described within this chapter. These noncompliance categories are assigned for the purposes of noncompliance assessments under the compliance framework in Rule 3.1.2. Rule Number/Rule Title Category 2.1 Purpose of License; Eligibility A 2.2 License Application A 2.3 Area of Use A 2.4 Special Conditions of Participation or License A 2.5 MasterCard Anti-Money Laundering Program A 2.6 Obligation to Issue Cards 2.7 Liability for Assigned ICAs and BINs A 2.8 Obligations of a Sponsor C 2.9 Name Change C 2.10 Fees, Assessments, and Other Payment Obligations A 2.11 Sale or Change in Ownership or Control of Customer Portfolio A 2.12 Suspension and Amendment of Participation or License or Both A 2.13 Rights, Liabilities, and Obligations of Terminated Customers A 2.14 Failure of a Principal or Association Customer to Discharge a Settlement Obligation 2.15 System Liquidity A 2.16 Loss Allocation Among Customers ©1969–2012 MasterCard. Proprietary. All rights reserved. MasterCard Rules • 12 December 2012 2-15 A A A
Licensing and Licensed Activities Compliance Zones Rule Number/Rule Title Category 2.17 Liability for Owned or Controlled Entities A 2.18 Risk of Loss A ©1969–2012 MasterCard. Proprietary. All rights reserved. 2-16 12 December 2012 • MasterCard Rules
Page 1 and 2:
MasterCard Rules 12 December 2012
Page 3 and 4:
Summary of Changes, 12 December 201
Page 5 and 6: Description of Change Where to Look
Page 7 and 8: Table of Contents Definitions .....
Page 9 and 10: Table of Contents 3.6 Provision and
Page 11 and 12: Table of Contents 5.8 Card Acceptan
Page 13 and 14: Table of Contents 7.3.11 Settlement
Page 15 and 16: Table of Contents 9.1 Definitions..
Page 17 and 18: Table of Contents 5.8 Card Acceptan
Page 19 and 20: Table of Contents 2.1 Purpose of Li
Page 21 and 22: Table of Contents 3.9 Additional Cu
Page 23 and 24: Table of Contents C.2.4 CAT Level 3
Page 25 and 26: Card A card issued by a Customer pu
Page 27 and 28: Electronic Money Issuer An Electron
Page 29 and 30: MasterCard PayPass Magnetic Stripe
Page 31 and 32: Processed Transaction A Transaction
Page 33 and 34: Sub-merchant A merchant that, pursu
Page 35 and 36: 1.1 Types of Customers Participatio
Page 37 and 38: Participation 1.5 Obligations, Righ
Page 39 and 40: Participation 1.6 Termination of Pa
Page 41 and 42: Chapter 2 Licensing and Licensed Ac
Page 43 and 44: Licensing and Licensed Activities 2
Page 55: Licensing and Licensed Activities 2
Page 59 and 60: Customer Obligations 3.7 Quarterly
Page 61 and 62: Customer Obligations 3.1 Standards
Page 63 and 64: Customer Obligations 3.1 Standards
Page 65 and 66: Customer Obligations 3.2 Conduct of
Page 67 and 68: Customer Obligations 3.3 Indemnity
Page 69 and 70: Customer Obligations 3.6 Provision
Page 71 and 72: Customer Obligations 3.6 Provision
Page 73 and 74: Customer Obligations 3.7 Quarterly
Page 75 and 76: Customer Obligations 3.9 Additional
Page 77 and 78: Customer Obligations 3.10 Limitatio
Page 79 and 80: Chapter 4 Trademarks and Service Ma
Page 81 and 82: 4.1 Right to Use the Marks 4.1.1 Li
Page 83 and 84: Trademarks and Service Marks 4.2 Ge
Page 85 and 86: NOTE Trademarks and Service Marks 4
Page 87 and 88: Trademarks and Service Marks 4.2 Ge
Page 89 and 90: Trademarks and Service Marks Compli
Page 91 and 92: Chapter 5 Merchants This chapter co
Page 93 and 94: 5.1 The Merchant Agreement Merchant
Page 95 and 96: 5.2 Acquirer Obligations Merchants
Page 97 and 98: Merchants 5.4 Use of a Payment Faci
Page 99 and 100: Merchants 5.5 Payment Facilitator O
Page 101 and 102: Merchants 5.5 Payment Facilitator O
Page 103 and 104: 5.5.4.4 Payments to Sub-merchants M
Page 105 and 106: Merchants 5.7 Use of the Marks An A
Page 107 and 108:
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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8.4.5 Purchase With Cash Back Trans
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Europe Region Rules Section 12b—S
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Chapter 13 Latin America and the Ca
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Latin America and the Caribbean Reg
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Organization of this Chapter South
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South Asia/Middle East/Africa Regio
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4.2 General Rules for Use of the Ma
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Section 14b—India Rules Organizat
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8.4.5 Purchase With Cash Back Trans
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United States Region Rules 5.11.2 C
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Organization of this Chapter Defini
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United States Region Rules 2.11 Sal
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United States Region Rules 3.8 Auth
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United States Region Rules 3.9 Addi
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United States Region Rules 3.13 Acc
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United States Region Rules 5.11 Pro
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7.2 Service Provider Categories 7.1
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United States Region Rules 7.6 Serv
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United States Region Rules 8.2 Auth
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Effective Date MCC Description 7997
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NOTE Effective Date MCC Description
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United States Region Rules 8.9 Acqu
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2.19 Risk of Loss United States Reg
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United States Region Rules Section
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Appendix A Geographical Regions A.1
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Geographical Regions A.2 Canada Reg
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Geographical Regions A.3.1 Single E
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Geographical Regions A.4 Latin Amer
Page 317 and 318:
Geographical Regions A.5 South Asia
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Appendix B Transaction Identificati
Page 321 and 322:
Transaction Identification Requirem
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Page 331 and 332:
Appendix C Cardholder-activated Ter
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Cardholder-activated Terminal (CAT)
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Page 337 and 338:
Page 339 and 340:
Page 341 and 342:
Appendix D Lodging Merchant Service
Page 343 and 344:
Lodging Merchant Services D.2 Expre
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