Maestro Global Rules (PDF) - MasterCard

Processing Requirements
9.2 POS Transaction Types
The fraud potential of a Transaction typically is determined through
fraud screening and fraud scoring services that involve the storage,
transmission or processing of Card or Transaction data in compliance
with the Payment Card Industry Data Security Standard (PCI DSS). The
Acquirer must register any third party provider of such services as a
Third Party Processor (TPP) as set forth in Rule 14.6.1 of this rulebook.
The systematic decline by an Acquirer or Merchant of CNP Transactions
arising from particular Cards, Issuers or geographic locations is a
violation of Rule 7.1.8 (4) of this rulebook.
Each Acquirer that has an agreement with a Merchant to perform electronic
commerce Transactions or Mobile Remote Payment Transaction must
additionally support the Account in Good Standing, non-financial Transaction.
NOTE
Additional regional Rules on this topic appear in Chapter 17, “Europe Region,”
and Chapter 18, “Latin America and the Caribbean Region,” of this rulebook.
NOTE
A regional Rule variation on this topic appears in Chapter 15, “Asia/Pacific
Region,” and Chapter 20, “United States Region,” of this rulebook.
9.2.3 Issuer Offline POS Transactions
All Chip Card Issuers or their agents who elect to process Chip Card
Transactions offline must support the following offline Chip Card Transactions:
1. purchase
2. refund
While Issuers’ or their agents’ host computer system interfaces must support the
offline Transactions listed in this Rule 9.2.3, 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 the Transaction online for authorization or decline the
Transaction offline.
An Issuer must accept a Transaction cleared online by an Acquirer after a
completed offline Chip Card Transaction.
9.2.4 Acquirer Offline POS Transactions
Each Merchant and Acquirer may offer at each hybrid POS Terminal participating
in the Corporation, offline processing of the following chip-read Transactions:
1. purchase
2. refund
©1993–2012 MasterCard. Proprietary. All rights reserved.
9-8 9 November 2012 • Maestro Global Rules