Maestro Global Rules (PDF) - MasterCard

Processing Requirements
9.12 Floor Limit Guidelines (POS Transactions)
9.11.2 Authorized Gateway Services
Only Gateway ATM Transactions for Gateway services formally authorized
by MasterCard are allowed to use the Interchange System for routing and
settlement of funds. Listed below are the currently authorized Gateway services:
1. PLUS System USA, Inc.
2. VISA USA, Inc.
9.11.3 Error Resolution
All Gateway Customers must refer disputes relating to the processing of
Gateway ATM Transactions according to the rules that govern the individual
ATM Transactions.
Error resolution is supported within Gateway Processing to the extent provided
in the Rules, which govern the individual Transactions.
When a Gateway Customer uses the Corporation for Gateway Processing,
error resolution requests must be processed in accordance with Chapter 11,
“Exception Item Processing,” of the Rules.
9.11.4 Technical Requirements for Gateway Processing
Processors that use Gateway Processing are subject to all response time,
availability, and data transmission requirements defined in the Rules and the
technical specifications of the Corporation.
9.12 Floor Limit Guidelines (POS Transactions)
The Corporation establishes floor limit values as a guideline for Customers
to follow in their authorization process. The floor limit value is a maximum
monetary amount above which the Merchant must obtain authorization before
completing the chip Transaction.
9.12.1 Magnetic Stripe/Chip Applicability
Magnetic stripe Transactions must be authorized online.
Chip Transactions below or equal to the lesser of the offline limit established
by the Issuer in the chip or the floor limit for POS Terminals defined in the
Quick Reference Booklet may be authorized offline. Chip Transactions above
the lower of these two limits must be authorized online.
©1993–2012 MasterCard. Proprietary. All rights reserved.
9-26 9 November 2012 • Maestro Global Rules