MasterCard Rules (PDF)

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Merchants 5.7.2 Merchant Advertising and POI Materials ....................................................................... 5-13 5.7.3 Local/Regional Acceptance Brands ............................................................................... 5-13 5.8 Card Acceptance Requirements ............................................................................................. 5-14 5.8.1 Honor All Cards ............................................................................................................ 5-14 5.8.2 Merchant Acceptance .................................................................................................... 5-14 5.8.3 Obtain an Authorization................................................................................................ 5-14 5.8.4 Additional Cardholder Identification ............................................................................. 5-15 5.9 Submitting Transactions ......................................................................................................... 5-15 5.9.1 Valid Transactions ......................................................................................................... 5-15 5.9.2 Submit Transactions within Three Business Days ......................................................... 5-15 5.10 Noncompliance Assessments ............................................................................................... 5-16 5.11 Prohibited Practices.............................................................................................................. 5-16 5.11.1 Discrimination ............................................................................................................. 5-16 5.11.2 Charges to Cardholders ............................................................................................... 5-16 5.11.3 Minimum/Maximum Transaction Amount Prohibited.................................................. 5-17 5.11.4 Scrip-dispensing Terminals.......................................................................................... 5-17 5.11.5 Prohibited Transactions ............................................................................................... 5-17 5.11.6 Payment by Other Means ............................................................................................ 5-17 5.11.7 Illegal or Brand-damaging Transactions ...................................................................... 5-18 5.11.7.1 Assessments for Merchant Noncompliance......................................................... 5-18 5.11.8 Disparagement ............................................................................................................ 5-19 5.12 Security Rules....................................................................................................................... 5-19 5.12.1 Sale or Exchange of Information................................................................................. 5-19 5.13 Discounts or Other Benefits at the Point of Interaction ....................................................... 5-19 Compliance Zones ....................................................................................................................... 5-19 ©1969–2012 MasterCard. Proprietary. All rights reserved. 5-ii 12 December 2012 • MasterCard Rules
5.1 The Merchant Agreement Merchants 5.1 The Merchant Agreement Each Customer in its capacity as an Acquirer must directly enter into a written Merchant Agreement with each Merchant from which it acquires Transactions, whether such Transactions are submitted to the Customer directly by the Merchant or through a Service Provider acting for or on behalf of such Customer. An Acquirer shall not submit into interchange any Transaction resulting from the acceptance of a Card by an entity or person except pursuant to a Merchant Agreement then in effect between the Acquirer and the entity or person. The Merchant Agreement must reflect the Acquirer’s primary responsibility for the Merchant relationship and must otherwise comply with the Standards. 5.1.1 Verify Bona Fide Business Operation Before entering into, extending, or renewing a Merchant Agreement, an Acquirer must verify that the Merchant from which it intends to acquire Transactions is a bona fide business, has sufficient safeguards in place to protect from unauthorized disclosure or use such Cardholder and Transaction information as the Standards permit to be captured, and complies with applicable laws, and that each Transaction will reflect bona fide business between the Merchant or Sub-merchant and a Cardholder. Procedures for verifying that a Merchant is a bona fide business are set forth in section 7.1 of the Security Rules and Procedures manual 5.1.2 Required Terms Each Merchant Agreement must contain the substance of each of the Standards set forth in Rules 5.6 through 5.12. The failure to include the substance of any one or more of such Standards in the Merchant Agreement or the grant of a variance by the Corporation with respect to any one or more such Standards does not relieve an Acquirer from responsibility for chargebacks or compliance. Each Merchant Agreement may contain only such terms agreed to by the Acquirer and the Merchant, provided that no such term conflicts with any Standard. NOTE Additions to this Rule appear in Section 10a, “New Zealand Rules”; Chapter 12, “Europe Region Rules”; Section 14a, “South Africa Rules”; and Section 15a, “United States Region Debit-related Rules.” ©1969–2012 MasterCard. Proprietary. All rights reserved. MasterCard Rules • 12 December 2012 5-1
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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
Page 41 and 42: Chapter 2 Licensing and Licensed Ac
Page 43 and 44: Licensing and Licensed Activities 2
Page 57 and 58: Licensing and Licensed Activities C
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: Chapter 5 Merchants This chapter co
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
Page 109 and 110: Merchants 5.11 Prohibited Practices
Page 111 and 112: 5.11.8 Disparagement NOTE 5.12 Secu
Page 113 and 114: Merchants Compliance Zones Rule Num
Page 115 and 116: Special Issuer Programs 6.6.5 Commu
Page 117 and 118: Special Issuer Programs 6.2 Affinit
Page 119 and 120: Special Issuer Programs 6.3 Brand V
Page 121 and 122: Special Issuer Programs 6.4 Remote
Page 123 and 124: Special Issuer Programs 6.6 Prepaid
Page 125 and 126: Special Issuer Programs 6.6 Prepaid
Page 127 and 128: Special Issuer Programs Compliance
Page 129 and 130: Chapter 7 Service Providers This ch
Page 131 and 132: 7.1 Service Provider Categories Ser
Page 133 and 134: A person that performs any one or m
Page 135 and 136: Service Providers 7.3 General Oblig
Page 141 and 142: 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
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Geographical Regions A.5 South Asia
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Appendix B Transaction Identificati
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Transaction Identification Requirem
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Appendix C Cardholder-activated Ter
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Cardholder-activated Terminal (CAT)
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Appendix D Lodging Merchant Service
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Lodging Merchant Services D.2 Expre
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