Maestro Global Rules (PDF) - MasterCard

Processing Requirements
9.2 POS Transaction Types
Acquirers and Merchants must ensure that cash is provided only when
combined with a purchase Transaction. The purchase, cash back,
and total Transaction components of the purchase with cash back
Transaction must be in the same currency.
Acquirers must submit authorization and clearing records that include a
purchase with cash back Transaction identifier and two amount fields.
The first amount field must set forth the total Transaction amount. The
second amount field must set forth the amount of cash back included in
the total Transaction amount. A maximum cash back amount of USD
100 (or local currency equivalent) applies for all cross-border purchases
with cash back Transactions.
The Acquirer and Merchant may prompt the Cardholder to use the
purchase with cash back Transaction.
NOTE
An additional regional Rule on this topic appears in Chapter 17, “Europe
Region,” Chapter 19, “South Asia/Middle East/Africa Region,” and
Chapter 20, “United States Region,” of this rulebook.
c. Merchant-approved Transaction;
Merchant-approved Transactions may be processed by the Acquirer,
providing specific written approval to process such Transactions has
been given by the Corporation. The Acquirer must strictly adhere to
the security requirements.
Acquirers may elect to accept Merchant-approved Transactions,
only when the POS Terminal cannot receive an authorization for a
Transaction because of technical difficulties between the Acquirer and
the Interchange System, or the Interchange System and the Issuer.
These Transactions may be accomplished only by using electronic store
and forward, and when the Card is read by a POS Terminal.
Each Acquirer must forward all stored Transactions as soon as the
technical problem has been resolved.
Issuers must treat all such Merchant-approved Transactions as financial
request messages. The Acquirer bears all liability for Merchant-approved
Transactions, which when forwarded, are declined by the Issuer.
If the Issuer is unavailable to authorize or decline such a
Merchant-approved Transaction at the time of presentment, the
Interchange System will indicate this, and return the Transaction to
the Acquirer. These returned Transactions may be submitted by the
Acquirer to the Interchange System every thirty (30) minutes, until a
response is received from, or on behalf of the Issuer.
Merchant-approved Transactions will settle only upon positive
authorization by the Issuer.
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Maestro Global Rules • 9 November 2012 9-5