Maestro Global Rules (PDF) - MasterCard

Issuing
6.4 PIN and Signature Requirements
Issuers must verify their Cardholders by means of online PIN verification as the
CVM if a magnetic stripe is used to initiate the Transaction except under the
circumstances outlined in Rule 6.4.3 Use of PIN or Signature.
In addition, Issuer must verify their Cardholders by means of online PIN
verification as the CVM for Mobile Remote Payment Transactions.
6.4.2.1 Chip Cards
In addition to the Rules set forth in Rule 6.4.2 above, the following applies:
1. Chip Cards must support both online PIN verification and offline PIN
verification as the CVM for POS Transactions.
NOTE
A regional Rule variation on this topic appears in Chapter 20, “United States
Region” of this rulebook.
NOTE
Issuers must define their priority of PIN verification methods within the chip.
Offline PIN verification is recommended as the first priority. Refer to Rule
6.4.3 for additional information.
2. Chip Cards must support online PIN verification for ATM Transactions and
PIN-Based In-Branch Terminal Transactions.
3. Issuers must comply with the detailed CVM requirements in the chip
technical specifications as published from time to time by the Corporation.
NOTE
Additional regional Rules on this topic appear in Chapter 17, “Europe Region,”
and Chapter 18, “Latin America and the Caribbean Region,” of this rulebook.
6.4.3 Use of PIN or Signature
Except for Maestro PayPass Transactions, Cardholders must be verified by a
PIN, whether magnetic stripe or chip is used to initiate the Transaction, unless
the Transaction is a POS Transaction that occurs at a hybrid POS Terminal in a
country in which its Customers have received a waiver from the Corporation
permitting hybrid POS Terminals to support offline PIN as the minimum CVM for
a chip Transaction and signature as the CVM for a magnetic stripe Transaction.
Such a waiver may be granted pursuant to the Corporation’s approval of that
country’s Customers’ plan(s) to implement EMV chip technology.
Those countries are:
1. Andorra
2. Belgium
3. Estonia
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Maestro Global Rules • 9 November 2012 6-13