Maestro Global Rules (PDF) - MasterCard

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Issuing 6.7 Stand-In Processing Service An Issuer must support the Stand-In Processing Service if the Issuer became a Customer on or after 1 December 2003. Regardless of when an Issuer became a Customer, an Issuer must support and implement the Stand-In Processing Service if: 1. the Issuer received notification from the Corporation that it has a substandard level 2 Issuer failure rate (refer to Chapter 9 of the Rules for additional information); or 2. the Corporation mandates the use of the Stand-In Processing Service. NOTE Additional regional Rules and a Rule variation on this topic appear in Chapter 20, “United States Region,” of this rulebook. 6.7.1 Minimum Transaction Limits The Corporation will set a minimum daily Stand-In Processing Service Transaction limit per Card. An Issuer may, at its option, increase the daily Stand-In Processing Service Transaction limits set by the Corporation. The Corporation may set a lower minimum Stand-In Processing Service Transaction limit for prepaid Cards that are issued under a BIN that is different than the BIN used for its Cards other than its prepaid Cards. If use of the Stand-In Processing Service is mandated by the Corporation, the Corporation may select an alternative minimum daily Stand-In Processing Service Transaction limit to be applied to POS and ATM Transactions. 6.7.1.1 Minimum Transaction Limit for POS Transactions The minimum daily Transaction processing limit for POS Transactions is: 1. USD 250 (or its local currency equivalent); or 2. three Transactions for the purchase of goods and services (other than a Merchandise Transaction conducted at an ATM); 3. whichever occurs first. 6.7.1.2 Minimum Transaction Limit for ATM Transactions The minimum daily Transaction processing limit for ATM Transactions is: 1. USD 125 (or its local currency equivalent); or 2. two ATM Transactions; 3. whichever occurs first. ©1993–2012 MasterCard. Proprietary. All rights reserved. Maestro Global Rules • 9 November 2012 6-15
Issuing 6.8 Mobile Remote Payment Transactions 6.7.2 PIN Validation Issuers are strongly recommended to establish Stand-In Processing Service PIN validation with the Corporation. Issuers that are mandated to use the Stand-In Processing Service have one (1) month before the commencement of Stand-In Processing Services to establish PIN validation with the Corporation. Failure to establish PIN validation services with the Corporation within the prescribed time frame will result in the implementation of Stand-In Processing Service without PIN validation. Issuers may request that the Corporation forgo Stand-In Processing Service PIN validation. For additional information, refer to the applicable technical specifications manual. 6.8 Mobile Remote Payment Transactions The Standards in this Rule 6.8 apply in countries where Mobile Remote Payment Transactions are supported. The applicability of these Standards in a country will be announced in a regional and/or country-specific bulletin. 6.8.1 Issuer Domain Mobile Remote Payment Transactions Issuers that permit their Cardholders to perform Mobile Remote Payment Transactions must register with the Corporation. Refer to the Mobile Remote Payments Program Guide for additional information. An Issuer may use a Service Manager to provide Mobile Remote Payment Program Service. Issuers using a Service Manager to participate in a Mobile Remote Payment Program must ensure the Service Manager complies with all applicable Standards, including the branding requirements and the security requirements and guidelines for Mobile Remote Payment. Refer to the Mobile Remote Payments Program Guide for additional information. The Issuer must register each Service Manager proposed to provide Mobile Remote Payment Program Service as a Third Party Processor, as set forth in Rule 14.6 of this rulebook. A Mobile Remote Payment Transaction must not be effected using Maestro PayPass contactless payment functionality. 6.8.2 Issuer Responsibilities Issuers that offer Issuer Domain Mobile Remote Payment Transaction programs must: 1. Provide Cardholders that want to participate in Issuer Domain Mobile Remote Payment Transactions with a PAN between thirteen (13) to nineteen ©1993–2012 MasterCard. Proprietary. All rights reserved. 6-16 9 November 2012 • Maestro Global Rules
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Maestro Global Rules 9 November 201
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Summary of Changes This document re
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Table of Contents Definitions .....
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Table of Contents 3.12 Contact Info
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Table of Contents 6.2.4 Mobile Paym
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Table of Contents 7.8 Eligible POI
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Table of Contents 8.6.1 Account Pro
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Table of Contents 9.9.3 Noncomplian
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Table of Contents 14.1 Service Prov
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Table of Contents 7.23 ATM Access F
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Table of Contents 2.3 Area of Use .
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Table of Contents 7.2 Additional Ac
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Table of Contents 9.15 Clearing and
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Table of Contents 6.4 PIN and Signa
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Table of Contents 6.4 PIN and Signa
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Table of Contents 7.1.8 Card Accept
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Table of Contents D.8.1 Corresponde
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Activity(ies) The undertaking of an
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Control As used herein, Control has
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Gateway Transaction Any ATM transac
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Maestro Word Mark The Maestro Word
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Payment Transaction A Payment Trans
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Settlement Obligation A financial o
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Chapter 1 Participation This chapte
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Participation 1.2 Eligibility to be
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Participation 1.2 Eligibility to be
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Participation 1.4 Interim Participa
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Participation 1.7 Termination of Li
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Participation 1.7 Termination of Li
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Chapter 2 Licensing and Licensed Ac
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Licensing and Licensed Activities 2
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Licensing and Licensed Activities 2
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Chapter 3 Customer Obligations This
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3.1 Standards Customer Obligations
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3.1.2.1.3 Category C—Efficiency a
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Page 89 and 90: 4.4 Review of Solicitations 4.5 Dis
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Page 127 and 128: Issuing 6.11 MasterCard MoneySend P
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Page 131 and 132: Issuing 6.19 Recurring Payments—E
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Acquiring 7.15 Requirements for Tra
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Acquiring 7.16 POS Terminal and Ter
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Acquiring 7.17 Connection to the In
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Acquiring 7.18 Card Capture NOTE 7.
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Acquiring 7.20 Merchandise Transact
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Acquiring 7.23 ATM Access Fees 7.23
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Acquiring 7.23 ATM Access Fees 1. t
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Acquiring Compliance Zones Rule Num
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Security 8.10.4 Acquirer Compliance
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Security 8.3 Customer Compliance wi
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Security 8.5 PIN Entry Device Issue
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Security 8.6 POS Terminal Communica
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Security 8.9 Account Data Compromis
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Security 8.10 Site Data Protection
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Security 8.11 Algorithms 8.11 Algor
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Chapter 9 Processing Requirements T
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Processing Requirements 9.12 Floor
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Processing Requirements 9.2 POS Tra
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Processing Requirements 9.3 Termina
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Processing Requirements 9.4 Special
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Processing Requirements 9.4 Special
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Processing Requirements 9.5 Process
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Processing Requirements 9.7 Process
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Processing Requirements 9.8 Authori
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Processing Requirements 9.8 Authori
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Processing Requirements 9.9 Perform
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Processing Requirements 9.12 Floor
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Processing Requirements 9.13 Ceilin
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Processing Requirements 9.15 Cleari
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10.1 Definitions 10.2 Settlement Se
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Settlement and Reconciliation 10.4
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Settlement and Reconciliation 10.7
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10.8.2 Intraregional Fees Settlemen
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The Customer must: Settlement and R
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Content Relocated to Chargeback Gui
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Content Relocated to Chargeback Gui
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Liabilities and Indemnification 13.
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13.6 Proprietary Card Mark Liabilit
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Chapter 14 Service Providers This c
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14.1 Service Provider Categories Se
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14.1.1 Independent Sales Organizati
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Service Providers 14.3 General Obli
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Service Providers 14.3 General Obli
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14.3.10 Fees Service Providers 14.3
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14.3.15 No Endorsement of the Corpo
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14.4.3 Access to Documentation Serv
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Service Providers 14.6 Service Prov
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Service Providers 14.8 Confidential
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Chapter 15 Asia/Pacific Region This
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Overview Definitions Asia/Pacific R
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1.7 Termination of License Asia/Pac
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6.13 Issuer Responsibilities to Car
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Asia/Pacific Region 7.18 Card Captu
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Asia/Pacific Region 7.23 ATM Access
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Asia/Pacific Region 9.2 POS Transac
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Technical Specifications Compliance
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Canada Region 9.3.1 Issuer Requirem
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Canada Region 6.17 Additional Rules
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Canada Region 7.17 Connection to th
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Canada Region 7.23 ATM Access Fees
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Canada Region 9.8 Authorizations 9.
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Canada Region Section 16a—Canada
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Canada Region 7.1 Acquirer Obligati
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Chapter 17 Europe Region This chapt
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Europe Region 6.4.2.1 Chip Cards...
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Europe Region 8.4 PIN and Key Manag
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Europe Region Technical Specificati
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Overview Definitions Europe Region
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Europe Region 1.1 Types of Customer
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2.3 Area of Use Europe Region 2.3 A
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Europe Region 2.3 Area of Use In al
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The intra-European Maestro Rules, i
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3.4 Examination and Audits The foll
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3.22 Data Protection Europe Region
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Europe Region 4.2 Protection and Re
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Europe Region 5.1 Special Issuer Pr
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6.1 Eligibility Europe Region 6.1 E
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6.2.2 Embossing and Engraving Stand
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6.9 Electronic Commerce Europe Regi
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Croatia Malta Turkey Cyprus Moldova
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6.14 Fraud Reporting Europe Region
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Europe Region 6.19 Recurring Paymen
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7.1.5 Acquiring Transactions Europe
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Europe Region 7.3 Additional Acquir
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7.9.2 Manual Key-entry of PAN Europ
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Europe Region 7.12 Additional Requi
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Europe Region 7.13 Additional Requi
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Europe Region 7.15 Requirements for
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7.15.6 PAN Truncation Requirements
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7.23.1.1 Transaction Field Specific
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Europe Region 7.27 Identification o
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Europe Region 8.13 Signature-based
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Bosnia and Herzegovina Kosovo Slova
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Europe Region 9.2 POS Transaction T
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9.2.2.2 Optional Online POS Transac
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Europe Region 9.2 POS Transaction T
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9.3.2 Acquirer Requirements Europe
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Europe Region 9.4 Special Transacti
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9.4.7.4 CVC 2/AVS Checks Europe Reg
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Country Code Country Country Code C
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9.8.7 Authorization Response Time 9
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Europe Region 9.9 Performance Stand
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10.2.2 Assessment for Late Settleme
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Europe Region 10.11 Customer Insolv
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13.13 Additional Liabilities 13.13.
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Europe Region Compliance Zones Rule
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Definitions Europe Region Definitio
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7.9 POS Terminal and Terminal Requi
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9.4 Special Transaction Types Europ
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9.4.9 Internet Stored Value Wallets
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Europe Region 3.6 Non-discriminatio
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Europe Region 6.4 PIN and Signature
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Chapter 18 Latin America and the Ca
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Overview Definitions Latin America
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4.5 Display on Cards Latin America
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6.4.2 Use of the PIN Latin America
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Latin America and the Caribbean Reg
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9.2.2 Acquirer Online POS Transacti
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Chapter 19 South Asia/Middle East/A
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South Asia/Middle East/Africa Regio
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South Asia/Middle East/Africa Regio
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Chapter 20 United States Region Thi
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United States Region 7.25.7 Deposit
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United States Region 3.15 Integrity
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United States Region 6.2 Card Stand
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United States Region 6.10 Selective
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United States Region 6.17 Additiona
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United States Region 7.4 Acquiring
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United States Region 7.4 Acquiring
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United States Region 7.10 Hybrid PO
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United States Region 7.17 Connectio
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United States Region 7.23 ATM Acces
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United States Region 7.25 Shared De
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United States Region 7.25 Shared De
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United States Region 9.2 POS Transa
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United States Region 9.2 POS Transa
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United States Region 9.8 Authorizat
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United States Region 10.2 Settlemen
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United States Region Compliance Zon
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Overview Maestro PayPass Overview S
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7.1 Acquirer Obligations and Activi
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7.15 Requirements for Transaction R
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A.1 Asia/Pacific Region Geographica
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• Cyprus • Czech Republic • D
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• Estonia • Finland • France
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• Puerto Rico • St. Kitts-Nevis
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• Qatar • Reunion • Rwanda
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Maestro Merchant Operating Guidelin
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Maestro Merchant Operating Guidelin
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Signage, Screen, and Receipt Text D
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usiness day Glossary Glossary A “
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data encryption standard (DES) Glos
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global bank holding company Glossar
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offline Glossary Glossary An operat
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scrip Glossary Glossary A printed r
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terminal response time Glossary Glo
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