Maestro Global Rules (PDF) - MasterCard

Processing Requirements
9.2 POS Transaction Types
If a Merchant-approved Transaction is subsequently declined by the
Issuer for insufficient funds, or because the Transaction exceeds
withdrawal limits, the Acquirer may resubmit the Transaction once every
twenty-four (24) hours for a period ending thirteen (13) calendar days
after the Transaction date.
Issuers are not required to assist Acquirers in any attempt to collect on
Merchant-approved Transactions.
NOTE
Additional regional Rules on this topic appear in Chapter 17, “Europe
Region,” of this rulebook.
d. Partial approval:
Effective 1 November 2008, Acquirers and Merchants may choose to
support this Transaction type. Acquirers and Merchants that choose to
provide the partial approval Transaction must establish an education
program relating to split-tender Transactions for retail employee staff
including, but not limited to, POS terminal operators.
e. Pre-authorization (or funds guarantee) and pre-authorization completion:
Acquirers must ensure that pre-authorizations (in the physical
environment) are initiated using a card reader, and a PIN or signature for
Cardholder identification. Refer to Chapter 7, “Acquiring,” for additional
“card reader” information.
Issuers must accept all pre-authorization completions provided the actual
amount of the completion is less than or equal to the amount approved
in the pre-authorization. Use of the PIN or signature and the use of the
card reader are not required in the pre-authorization completion.
If the Issuer does not receive a pre-authorization completion within
twenty (20) minutes of the pre-authorization, the pre-authorization
approval is void, except as provided for under Merchant-approved
Transaction processing requirements, which are described in this section.
Acquirers are not liable for pre-authorization completions that occurred
within two (2) hours of the initial Transaction that were stored and
forwarded because of technical problems between the Acquirer and the
Interchange System, or the Interchange System and the Issuer.
f. Correction:
Following the authorization of a Transaction, corrections may be used
to correct a Merchant or Cardholder error. Corrections must be initiated
by or on behalf of the Cardholder by use of a PIN or signature, and
electronic reading of the Card in a card reader.
The Acquirer assumes the risk for this Transaction and the interchange
fee is returned to the Acquirer from the Issuer.
g. Balance response.
Effective 1 November 2008, Acquirers and Merchants may choose to
support this Transaction type.
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9-6 9 November 2012 • Maestro Global Rules