Maestro Global Rules (PDF) - MasterCard

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Table of Contents 14.6.2 Registration Requirements for Type I TPPs ..........................................................14-15 14.6.3 Registration of a Service Provider Registration Facilitator.....................................14-16 14.6.4 Service Provider Registration Noncompliance......................................................14-16 14.6.5 Prohibition from Acting as a Service Provider......................................................14-16 14.6.6 Termination of Program Service Agreement or De-registration............................14-16 14.7 Type I TPP Evaluation Program ....................................................................................14-16 14.7.1 Compliance with Type I TPP Evaluation Program Standards...............................14-16 14.8 Confidential Information of Service Providers...............................................................14-17 Compliance Zones ................................................................................................................14-17 Chapter 15 Asia/Pacific Region............................................................ 15-i Overview ............................................................................................................................... 15-1 Definitions ............................................................................................................................. 15-1 1.1 Types of Customers ......................................................................................................... 15-1 1.3 Application to be a Customer .......................................................................................... 15-2 1.6 Obligations, Rights and Responsibilities .......................................................................... 15-2 1.6.7 Additional Rules for Participation............................................................................ 15-2 1.7 Termination of License..................................................................................................... 15-3 1.7.3 Automatic Termination of the Right to Participate .................................................. 15-3 1.7.4 Liabilities and Obligations Following Termination.................................................. 15-3 4.2 Protection and Registration of the Marks ......................................................................... 15-3 4.5 Display on Cards.............................................................................................................. 15-3 6.4 PIN and Signature Requirements ..................................................................................... 15-4 6.4.3 Use of PIN or Signature .......................................................................................... 15-4 6.13 Issuer Responsibilities to Cardholders............................................................................ 15-5 7.2 Additional Acquirer Obligations and Activities for Acquiring Transactions from a Merchant—POS and Electronic Commerce Only................................................................... 15-5 7.2.3 Refinancing of Previously Existing Debt and/or Payment of Bad Debts................. 15-6 7.9 POS Terminal and Terminal Requirements ...................................................................... 15-6 7.9.2 Manual Key-Entry of PAN........................................................................................ 15-6 7.11 Additional Requirements for POS Terminals .................................................................. 15-6 7.17 Connection to the Interchange System........................................................................... 15-6 7.17.1 ATM Connection to the Interchange System ......................................................... 15-6 7.17.2 POS Terminal Connection to the Interchange System........................................... 15-7 7.18 Card Capture .................................................................................................................. 15-7 7.18.1 POS Transactions................................................................................................... 15-7 ©1993–2012 MasterCard. Proprietary. All rights reserved. xiv 9 November 2012 • Maestro Global Rules
Table of Contents 7.23 ATM Access Fees............................................................................................................ 15-7 7.23.1 Domestic Transactions........................................................................................... 15-7 7.23.2 Cross-border Transactions ..................................................................................... 15-7 7.24 Return Merchandise Adjustments, Credits, and Other Specific Terms of a Transaction ...........................................................................................................................15-10 9.2 POS Transaction Types ...................................................................................................15-11 9.2.1 Issuer Online POS Transactions .............................................................................15-11 9.2.2 Acquirer Online POS Transactions .........................................................................15-11 9.8 Authorizations.................................................................................................................15-12 9.8.2 Transaction Routing ...............................................................................................15-12 13.8 Pre-authorized Transactions ..........................................................................................15-12 13.10 Manually-entered PAN.................................................................................................15-12 13.19 Liability of Affiliates.....................................................................................................15-12 Additional Regional Information...........................................................................................15-12 Asia/Pacific Geographical Region...................................................................................15-12 Technical Specifications..................................................................................................15-13 Compliance Zones ................................................................................................................15-13 Chapter 16 Canada Region .................................................................. 16-i Overview ............................................................................................................................... 16-1 4.5 Display on Cards.............................................................................................................. 16-1 6.4 PIN and Signature Requirements ..................................................................................... 16-1 6.4.1 PIN Issuance ........................................................................................................... 16-1 6.10 Selective Authorization................................................................................................... 16-1 6.13 Issuer Responsibilities to Cardholders............................................................................ 16-1 6.17 Additional Rules for Issuing ........................................................................................... 16-2 7.1 Acquirer Obligations and Activities.................................................................................. 16-2 7.1.1 Signing a Merchant—POS and Electronic Commerce Only .................................... 16-2 7.2 Additional Acquirer Obligations and Activities for Acquiring Transactions from a Merchant—POS and Electronic Commerce Only................................................................... 16-2 7.2.1 Merchant Surcharging.............................................................................................. 16-2 7.9 POS Terminal and Terminal Requirements ...................................................................... 16-2 7.9.3 PIN Entry Device..................................................................................................... 16-2 7.10 Hybrid POS Terminal and Hybrid Terminal Requirements ............................................ 16-3 7.10.1 Chip Liability Shift ................................................................................................. 16-3 7.12 Additional Requirements for ATMs................................................................................. 16-3 ©1993–2012 MasterCard. Proprietary. All rights reserved. Maestro Global Rules • 9 November 2012 xv
Page 1 and 2: Maestro Global Rules 9 November 201
Page 3 and 4: Summary of Changes This document re
Page 5 and 6: Table of Contents Definitions .....
Page 7 and 8: Table of Contents 3.12 Contact Info
Page 9 and 10: Table of Contents 6.2.4 Mobile Paym
Page 11 and 12: Table of Contents 7.8 Eligible POI
Page 13 and 14: Table of Contents 8.6.1 Account Pro
Page 15 and 16: Table of Contents 9.9.3 Noncomplian
Page 17: Table of Contents 14.1 Service Prov
Page 21 and 22: Table of Contents 2.3 Area of Use .
Page 23 and 24: Table of Contents 7.2 Additional Ac
Page 25 and 26: Table of Contents 9.15 Clearing and
Page 27 and 28: Table of Contents 6.4 PIN and Signa
Page 29 and 30: Table of Contents 6.4 PIN and Signa
Page 31 and 32: Table of Contents 7.1.8 Card Accept
Page 33 and 34: Table of Contents D.8.1 Corresponde
Page 35 and 36: Activity(ies) The undertaking of an
Page 37 and 38: Control As used herein, Control has
Page 39 and 40: Gateway Transaction Any ATM transac
Page 41 and 42: Maestro Word Mark The Maestro Word
Page 43 and 44: Payment Transaction A Payment Trans
Page 45 and 46: Settlement Obligation A financial o
Page 47 and 48: Chapter 1 Participation This chapte
Page 49 and 50: Participation 1.2 Eligibility to be
Page 51 and 52: Participation 1.2 Eligibility to be
Page 53 and 54: Participation 1.4 Interim Participa
Page 55 and 56: Participation 1.7 Termination of Li
Page 57 and 58: Participation 1.7 Termination of Li
Page 59 and 60: Chapter 2 Licensing and Licensed Ac
Page 61 and 62: Licensing and Licensed Activities 2
Page 63 and 64: Licensing and Licensed Activities 2
Page 65 and 66: Chapter 3 Customer Obligations This
Page 67 and 68: 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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3.11.2 Card Count Reporting Procedu
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Customer Obligations 3.18 Expenses
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3.22 Data Protection—Europe Regio
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4.1 Right to Use the Marks Marks 4.
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4.4 Review of Solicitations 4.5 Dis
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4.7.1 Global Minimum Branding Requi
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Chapter 5 Special Issuer Programs T
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Special Issuer Programs 5.1 Special
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Special Issuer Programs 5.2 Affinit
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Special Issuer Programs 5.4 A/CB Ca
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5.6.2 Categories of Prepaid Card Pr
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Special Issuer Programs 5.6 Prepaid
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Special Issuer Programs 5.7 Chip-on
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Issuing 6.4.2 Use of the PIN.......
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Issuing 6.2 Card Standards and Spec
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Issuing 6.4 PIN and Signature Requi
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Issuing 6.5 Transmitting, Processin
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Issuing 6.8 Mobile Remote Payment T
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Issuing 6.9 Electronic Commerce 6.9
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Issuing 6.11 MasterCard MoneySend P
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Issuing 6.14 Fraud Reporting 6.13.1
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Issuing 6.19 Recurring Payments—E
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Acquiring 7.2 Additional Acquirer O
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Acquiring 7.18.2.2 Disposition of C
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Acquiring 7.1 Acquirer Obligations
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Acquiring 7.5 Acquiring Payment Tra
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Acquiring 7.6 Acquiring MoneySend P
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Acquiring 7.7 Acquiring Mobile Remo
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Acquiring 7.9 POS Terminal and Term
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Acquiring 7.9 POS Terminal and Term
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Acquiring 7.11 Additional Requireme
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Acquiring 7.12 Additional Requireme
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Acquiring 7.14 POI Terminal Transac
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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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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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