Maestro Global Rules (PDF) - MasterCard

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Chapter 7 Acquiring This chapter contains information about acquiring requirements. 7.1 Acquirer Obligations and Activities.......................................................................................... 7-1 7.1.1 Signing a Merchant—POS and Electronic Commerce Only............................................. 7-1 7.1.1.1 The Merchant Agreement ....................................................................................... 7-1 7.1.1.2 Required Provisions................................................................................................ 7-1 7.1.1.3 Acquirer Responsibility for Merchant and Sub-merchant Compliance ................... 7-2 7.1.2 Before Signing a Merchant .............................................................................................. 7-2 7.1.2.1 Verify Bona Fide Business Operation..................................................................... 7-2 7.1.3 Use of a Payment Facilitator............................................................................................ 7-3 7.1.3.1 Responsibility for Payment Facilitator and Sub-merchant Activity.......................... 7-4 7.1.3.2 High-Risk Payment Facilitators ............................................................................... 7-5 7.1.3.3 Payment Facilitator Registration Requirement ........................................................ 7-5 7.1.3.4 Payment Facilitator Obligations.............................................................................. 7-6 7.1.3.5 Sub-merchant Screening Procedures ...................................................................... 7-7 7.1.3.6 Sub-merchant Agreement ....................................................................................... 7-7 7.1.3.7 Required Provisions of Sub-merchant Agreement .................................................. 7-8 7.1.3.8 Obligations as Sponsor of Sub-merchants .............................................................. 7-9 7.1.4 ATM Owner Agreement ................................................................................................ 7-10 7.1.4.1 Required Information ........................................................................................... 7-11 7.1.4.2 Required Provisions.............................................................................................. 7-11 7.1.4.3 Before Entering into an ATM Owner Agreement with an ATM Owner ................ 7-12 7.1.5 Acquiring Transactions.................................................................................................. 7-13 7.1.6 Certification Process ...................................................................................................... 7-13 7.1.7 Transmitting and Processing Transactions..................................................................... 7-13 7.1.8 Card Acceptance Requirements..................................................................................... 7-14 7.1.9 Record Retention........................................................................................................... 7-15 7.1.10 Transaction Inquiries and Disputes ............................................................................. 7-15 7.1.11 Audit Trails .................................................................................................................. 7-15 7.1.12 Management Information ............................................................................................ 7-15 7.1.13 Quality Assurance........................................................................................................ 7-16 7.1.14 Currency Conversion................................................................................................... 7-16 7.1.15 Information to Merchants—European Economic Area Only ....................................... 7-17 7.1.16 Acquirer Host System Requirements ........................................................................... 7-17 ©1993–2012 MasterCard. Proprietary. All rights reserved. Maestro Global Rules • 9 November 2012 7-i
Acquiring 7.2 Additional Acquirer Obligations and Activities for Acquiring Transactions from a Merchant—POS and Electronic Commerce Only......................................................................... 7-17 7.2.1 Merchant Surcharging.................................................................................................... 7-19 7.2.2 Merchant Noncompliance ............................................................................................. 7-19 7.2.3 Refinancing of Previously Existing Debt and/or Payment of Bad Debts—Asia/Pacific Region Only........................................................................................................................... 7-19 7.2.4 Additional Acquiring Requirements—South Asia/Middle East/Africa Region Only....................................................................................................................................... 7-19 7.3 Additional Acquirer Obligations and Activities for Terminals ................................................ 7-20 7.4 Acquiring Electronic Commerce Transactions........................................................................ 7-20 7.4.1 Acquirer Responsibilities: Electronic Commerce Transactions ...................................... 7-21 7.4.1.1 Merchant Requirements: Electronic Commerce Transactions............................... 7-21 7.5 Acquiring Payment Transactions ............................................................................................ 7-22 7.5.1 Customer Registration Procedures for Payment Transactions........................................ 7-23 7.6 Acquiring MoneySend Payment Transactions......................................................................... 7-24 7.7 Acquiring Mobile Remote Payment Transactions ................................................................... 7-25 7.7.1 Issuer Domain Mobile Remote Payment Transactions .................................................. 7-25 7.7.1.1 Acquirer Responsibilities: Issuer Domain Mobile Remote Payment Transactions..................................................................................................................... 7-25 7.7.1.2 Merchant and/or Service Manager Requirements: Issuer Domain Mobile Remote Payment Transactions ................................................................................... 7-26 7.7.2 Acquirer Domain Mobile Remote Payment Transactions .............................................. 7-26 7.7.2.1 Acquirer Responsibilities: Acquirer Domain Mobile Remote Payment Transactions..................................................................................................................... 7-27 7.7.2.2 Merchant and/or Service Manager Requirements: Acquirer Domain Mobile Remote Payment Transactions ......................................................................................... 7-27 7.8 Eligible POI Terminals ........................................................................................................... 7-27 7.8.1 Ineligible Terminals....................................................................................................... 7-28 7.9 POS Terminal and Terminal Requirements ............................................................................ 7-28 7.9.1 Card Reader................................................................................................................... 7-29 7.9.2 Manual Key-entry of PAN.............................................................................................. 7-29 7.9.3 PIN Entry Device........................................................................................................... 7-29 7.9.4 Function Keys ............................................................................................................... 7-29 7.9.5 POS Terminal and Terminal Responses......................................................................... 7-30 7.9.6 Balance Inquiry ............................................................................................................. 7-30 7.9.7 Card Authentication—Europe Region Only .................................................................. 7-30 7.10 Hybrid POS Terminal and Hybrid Terminal Requirements .................................................. 7-31 7.10.1 Chip Liability Shift—Canada and Europe Region Only ............................................... 7-31 7.11 Additional Requirements for POS Terminals ........................................................................ 7-31 ©1993–2012 MasterCard. Proprietary. All rights reserved. 7-ii 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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3.1.2.4 Review Process Customer Obl
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3.3 Choice of Laws Customer Obligat
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3.7 Provision and Use of Informatio
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3.7.3 Use of Corporation Informatio
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3.9.2 Photographs Customer Obligati
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Page 85 and 86: 3.22 Data Protection—Europe Regio
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Page 89 and 90: 4.4 Review of Solicitations 4.5 Dis
Page 91 and 92: 4.7.1 Global Minimum Branding Requi
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Page 125 and 126: Issuing 6.9 Electronic Commerce 6.9
Page 127 and 128: Issuing 6.11 MasterCard MoneySend P
Page 129 and 130: Issuing 6.14 Fraud Reporting 6.13.1
Page 131: Issuing 6.19 Recurring Payments—E
Page 135 and 136: Acquiring 7.18.2.2 Disposition of C
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Page 153 and 154: Acquiring 7.2 Additional Acquirer O
Page 155 and 156: Acquiring 7.3 Additional Acquirer O
Page 157 and 158: Acquiring 7.5 Acquiring Payment Tra
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Page 161 and 162: Acquiring 7.7 Acquiring Mobile Remo
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Page 173 and 174: Acquiring 7.15 Requirements for Tra
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Page 177 and 178: Acquiring 7.17 Connection to the In
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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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Glossary Glossary Glossary This sec
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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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PIN verification Glossary Glossary
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scrip Glossary Glossary A printed r
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terminal response time Glossary Glo
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Maestro Global Rules (PDF) - MasterCard

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