Maestro Global Rules (PDF) - MasterCard

Acquiring
7.2 Additional Acquirer Obligations and Activities for Acquiring Transactions from a Merchant—POS and
Electronic Commerce Only
4. exercise deposit monitoring and other fraud controls to identify suspicious
Merchant activity. The Acquirer must ensure that its Merchant presents only
valid Transactions between itself and a bona fide Cardholder. The Merchant
must not present Transactions that it knows, or should have known to be
fraudulent, or not authorized by the Cardholder. Within the scope of this
Rule, the Merchant is responsible for the actions of its employees;
5. be satisfied that the Merchant is able to support the fulfillment of the
products and/or services to be marketed;
6. ensure that the Merchant has procedures and resources to handle
Cardholder inquiries and to support refunds, where necessary;
7. provide the respective Merchant/outlet descriptions within each Transaction
record;
8. ensure that the Merchant assigns an account for the crediting and debiting
of Transactions, and for the debiting of items charged back;
9. credit or debit (as applicable) the Merchant’s designated bank account with
the amount, (either gross or net of merchant discount) of all Transactions.
This obligation is not discharged until the Merchant receives payment
from the Customer, notwithstanding any Customer payment arrangement,
including any such arrangement between an Affiliate and its Principal.
An Acquirer may, by agreement of the Merchant, withhold amounts for
chargeback reserves or similar purposes;
10. ensure that each Merchant, and before a Data Storage Entity (DSE) is
permitted to access Card data, Transaction data, or both;
a. informs the Acquirer of the identity of any DSE that the Merchant intends
to afford access to such data and provides the Acquirer the opportunity
to approve or disapprove of the proposed use of the DSE, and
b. causes the DSE to complete the registration procedures described in
Rule 14.6 of this rulebook;
11. ensure that Merchants prominently and unequivocally inform the Cardholder
of the identity of the Merchant at all Points of Interaction so that the
Cardholder readily can distinguish the Merchant from any other party such
as a supplier of goods or services to the Merchant;
12. ensure that Merchants immediately notify the Acquirer of an Account
compromise. Refer to Rule 7.2.1 for additional information;
13. ensure that the Merchant does not sell, purchase, provide, exchange or in
any manner disclose Account number information or a Cardholder’s name
to anyone other than to its Acquirer, to the Corporation, or in response to a
government request.
NOTE
Additional regional Rules and regional Rule variations on this topic appear in
Chapter 17, “Europe Region,” of this rulebook.
©1993–2012 MasterCard. Proprietary. All rights reserved.
7-18 9 November 2012 • Maestro Global Rules