Maestro Global Rules (PDF) - MasterCard

Issuing
6.10 Selective Authorization
response. Electronic commerce Transactions may be approved or
declined only;
d. process (that is, perform risk assessment) any Transaction for which
the UCAF field (data element 48, sub-element 43) contains the
Corporation-assigned static AAV;
e. implement security techniques between the Cardholder interface device
and the issuer server to guard against unauthorized Transactions.
2. Issuers should:
a. provide a registration and set up process for Cardholders wishing to
perform electronic commerce Transactions;
b. ensure that Cardholder authentication information is properly registered;
c. properly identify Cardholders if issuing certificates;
d. educate Cardholders of the risks of releasing Card details and PINs into
open networks and entering PINs into public terminals without using
the approved methods.
3. Issuers may choose:
a. to implement MasterCard SecureCode directly and register Cardholders
or delegate a specific implementation and registration function to a
designated service provider (according to the set-up requirements
provided to the Corporation by the Issuer);
b. to request the Cardholder to use a chip/hardware authentication device;
c. the Cardholder verification method (if any) which is to be used.
6.9.2 MasterCard Advance Registration Program (MARP)
Transactions
NOTE
Additional regional Rules on this topic appear in Chapter 17, “Europe Region,”
of this rulebook.
6.10 Selective Authorization
Without the express prior written approval of the Corporation, a Customer
may not launch or maintain a Card Program for the purpose of selectively
authorizing Transactions arising from use of Program Cards at only a subset of
Maestro acceptance locations. A Customer is not prohibited from authorizing or
declining individual Transactions based on:
1. the amount of funds or overdraft credit available;
2. fraud risks presented by individual Cardholder usage patterns;
3. cash access restrictions to manage a high risk Account;
©1993–2012 MasterCard. Proprietary. All rights reserved.
Maestro Global Rules • 9 November 2012 6-19