Maestro Global Rules (PDF) - MasterCard

Chapter 6 Issuing
This chapter contains information about issuing requirements.
6.1 Eligibility .................................................................................................................................. 6-1
6.1.1 Eligible Cards .................................................................................................................. 6-1
6.1.1.1 Eligible Mobile Payment Devices ........................................................................... 6-1
6.1.2 Gateway Processed ATM Transactions ............................................................................ 6-1
6.1.3 Eligible Accounts............................................................................................................. 6-2
6.1.3.1 Ineligible Accounts................................................................................................. 6-2
6.1.4 Program Names............................................................................................................... 6-2
6.2 Card Standards and Specifications ........................................................................................... 6-2
6.2.1 Encoding Standards......................................................................................................... 6-3
6.2.1.1 Track 1 ................................................................................................................... 6-3
6.2.1.2 Track 2 Format ....................................................................................................... 6-3
6.2.1.3 Primary Account Number (PAN)............................................................................. 6-4
6.2.1.4 Expiration Date ...................................................................................................... 6-5
6.2.1.5 Service Code........................................................................................................... 6-5
6.2.1.6 Discretionary Data.................................................................................................. 6-6
6.2.1.7 Card Application Software and Personalization of Chip Cards............................... 6-7
6.2.1.8 Application Software and Personalization of Maestro on Access Devices and
Mobile Payment Devices ................................................................................................... 6-7
6.2.1.9 Encoding of PIN Verification Value (PVV).............................................................. 6-7
6.2.1.10 Track 3.................................................................................................................. 6-7
6.2.2 Embossing and Engraving Standards............................................................................... 6-8
6.2.3 Chip Card Standards........................................................................................................ 6-8
6.2.3.1 Chip Card Validation Code (CVC) .......................................................................... 6-9
6.2.3.2 Maestro PayPass Contactless Payment Functionality............................................ 6-10
6.2.3.3 Card Authentication.............................................................................................. 6-10
6.2.3.4 Chip Card and Chip Transaction Plans—Europe Region Only............................. 6-10
6.2.4 Mobile Payment Device Standards ................................................................................ 6-10
6.2.5 Signature Panel ............................................................................................................. 6-11
6.2.5.1 Approved Signature Representation Method(s)—Europe Region Only................ 6-11
6.2.6 Adhesive Material on Cards........................................................................................... 6-11
6.3 Optional Card Security Features............................................................................................. 6-11
6.4 PIN and Signature Requirements ........................................................................................... 6-12
6.4.1 PIN Issuance ................................................................................................................. 6-12
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Maestro Global Rules • 9 November 2012 6-i