Maestro Global Rules (PDF) - MasterCard

9.1 Interchange Processing
Processing Requirements
9.1 Interchange Processing
MasterCard provides interregional processing of Transactions via the Single
Message System.
9.2 POS Transaction Types
9.2.1 Issuer Online POS Transactions
All Issuers or their agents must ensure that system interfaces support the
following online Transactions:
1. purchase from primary Account
2. purchase from checking Account
3. purchase from savings Account
4. pre-authorization from primary Account
5. pre-authorization from checking Account
6. pre-authorization from savings Account
7. refund
8. correction (appears as reversal)
9. reversal
10. Payment Transaction
11. Mobile Remote Payment
Effective in 2020 with Release 20.1, Issuers must support partial approval for all
card account ranges and balance response for all prepaid Card account ranges.
Issuers that permit their Cardholders to perform electronic commerce
Transactions must additionally support the Account in Good Standing,
non-financial Transaction.
While Issuers or their agents’ host computer system interfaces must support the
online Transactions listed in this Rule 9.2.1, Issuers are not required to offer
all of these Transaction types to their Cardholders. If an Issuer chooses not to
offer one or more of the above-listed Transaction types to its Cardholders,
the Issuer must send a message indicating that “transaction not permitted to
issuer/cardholder” (in the Single Message System a response code 57) in the
online authorization message.
NOTE >>
A regional Rule variation to the above rule appears in Chapter 17, “Europe
Region,” of this rulebook.
©1993–2012 MasterCard. Proprietary. All rights reserved.
Maestro Global Rules • 9 November 2012 9-1