MasterCard Rules (PDF)

Merchants
5.3 Merchant Monitoring
5.2.5 Supplying Materials
Each Acquirer must regularly ensure that each of its Merchants is provided with
all materials necessary to effect Transactions in accordance with the Standards
and to signify MasterCard acceptance. These materials may include sales slips,
credit slips, terminals, authorization services, MasterCard acceptance decals,
signage, and the like.
5.3 Merchant Monitoring
Each Acquirer must monitor on an ongoing basis the Activity and use of the
Marks of each of its Merchants for the purpose of deterring fraudulent and
other wrongful activity and to ensure ongoing compliance with the Standards.
Minimum Merchant monitoring Standards are set forth in the Security Rules
and Procedures manual.
5.4 Use of a Payment Facilitator
The Acquirer is liable for all acts and omissions by a Payment Facilitator and
any Sub-merchant.
A Payment Facilitator may not be a Sub-merchant of any other Payment
Facilitator, nor may a Payment Facilitator be a Payment Facilitator for another
Payment Facilitator.
Unless otherwise approved by the Corporation, any Sub-merchant that exceeds
USD 100,000 in MasterCard and Maestro combined annual Transaction volume
may not be or continue to be a Sub-merchant and must enter into a Merchant
Agreement directly with a Customer.
5.4.1 Responsibility for Payment Facilitator and Sub-merchant
Activity
The Acquirer is responsible for the Activity of the Payment Facilitator and each
of its Sub-merchants, and must comply with all of the following obligations
related to such Activity:
1. The Payment Facilitator and each of its Sub-merchants must be located >>
within the Acquirer’s licensed Area of Use as described in Rule 2.3. The
Acquirer must obtain an Extension of Area of Use of its license if either is
located elsewhere, except as provided in Rule 2.3.1 – 5, 6, 7 and 8. The
location of the Sub-merchant determines the location of a Transaction, not
the location of the Payment Facilitator.
2. Settlement funds accessed by the Payment Facilitator may only be used to
pay Sub-merchants.
3. An Acquirer may permit a Payment Facilitator to manage the following
on behalf of the Acquirer:
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5-4 12 December 2012 • MasterCard Rules