Maestro Global Rules (PDF) - MasterCard

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Chapter 16 Canada Region This chapter contains Rule variations or additional Rules applicable only to the Canada Region. Overview ..................................................................................................................................... 16-1 4.5 Display on Cards.................................................................................................................... 16-1 6.4 PIN and Signature Requirements ........................................................................................... 16-1 6.4.1 PIN Issuance ................................................................................................................. 16-1 6.10 Selective Authorization......................................................................................................... 16-1 6.13 Issuer Responsibilities to Cardholders.................................................................................. 16-1 6.17 Additional Rules for Issuing ................................................................................................. 16-2 7.1 Acquirer Obligations and Activities........................................................................................ 16-2 7.1.1 Signing a Merchant—POS and Electronic Commerce Only........................................... 16-2 7.2 Additional Acquirer Obligations and Activities for Acquiring Transactions from a Merchant—POS and Electronic Commerce Only......................................................................... 16-2 7.2.1 Merchant Surcharging.................................................................................................... 16-2 7.9 POS Terminal and Terminal Requirements ............................................................................ 16-2 7.9.3 PIN Entry Device........................................................................................................... 16-2 7.10 Hybrid POS Terminal and Hybrid Terminal Requirements .................................................. 16-3 7.10.1 Chip Liability Shift ....................................................................................................... 16-3 7.12 Additional Requirements for ATMs....................................................................................... 16-3 7.15 Requirements for Transaction Receipts ................................................................................ 16-3 7.15.6 PAN Truncation Requirements..................................................................................... 16-3 7.15.6.2 Terminals............................................................................................................ 16-3 7.17 Connection to the Interchange System................................................................................. 16-4 7.23 ATM Access Fees.................................................................................................................. 16-4 7.23.1 Domestic Transactions................................................................................................. 16-4 7.23.1.1 Transaction Field Specifications.......................................................................... 16-4 7.23.1.2 Non-Discrimination Regarding ATM Access Fees ............................................... 16-4 7.23.1.3 Notification of ATM Access Fee .......................................................................... 16-4 7.23.1.4 Cancellation of Transaction ................................................................................ 16-5 7.23.1.5 Terminal Signage, Screen Display, and Transaction Record Requirements........... 16-5 7.23.1.5.1 Additional Requirements for Terminal Signage................................................ 16-5 7.23.1.5.2 Additional Requirements for Terminal Screen Display .................................... 16-6 7.23.1.5.3 Additional Requirements for Transaction Records ........................................... 16-6 9.3 Terminal Transaction Types ................................................................................................... 16-7 ©1993–2012 MasterCard. Proprietary. All rights reserved. Maestro Global Rules • 9 November 2012 16-i
Canada Region 9.3.1 Issuer Requirements ...................................................................................................... 16-7 9.3.2 Acquirer Requirements.................................................................................................. 16-7 9.3.2.1 Acquirer Optional Transactions ............................................................................ 16-7 9.8 Authorizations ........................................................................................................................ 16-8 9.8.2 Terminal Transaction Routing ....................................................................................... 16-8 10.2 Settlement............................................................................................................................. 16-8 Additional Regional Information.................................................................................................. 16-8 Canada Geographical Region ................................................................................................ 16-8 Technical Specifications......................................................................................................... 16-9 Compliance Zones ....................................................................................................................... 16-9 Section 16a—Canada Region Code of Conduct Related Rules....................................................16-10 Overview ....................................................................................................................................16-10 Definitions ..................................................................................................................................16-10 4.5 Display on Cards...................................................................................................................16-11 6.10 Selective Authorization........................................................................................................16-11 6.13 Issuer Responsibilities to Cardholders.................................................................................16-11 6.17 Additional Rules for Issuing ................................................................................................16-11 7.1 Acquirer Obligations and Activities.......................................................................................16-12 7.1.1 Signing a Merchant—POS and Electronic Commerce Only..........................................16-12 7.1.1.4 Information to Merchants ....................................................................................16-12 7.2 Additional Acquirer Obligations and Activities for Acquiring Transactions from a Merchant—POS and Electronic Commerce Only........................................................................16-12 7.2.1 Merchant Surcharging...................................................................................................16-12 Compliance Zones ......................................................................................................................16-13 ©1993–2012 MasterCard. Proprietary. All rights reserved. 16-ii 9 November 2012 • Maestro Global Rules
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Maestro Global Rules 9 November 201
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Summary of Changes This document re
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Table of Contents Definitions .....
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Table of Contents 3.12 Contact Info
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Table of Contents 6.2.4 Mobile Paym
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Table of Contents 7.8 Eligible POI
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Table of Contents 8.6.1 Account Pro
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Table of Contents 9.9.3 Noncomplian
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Table of Contents 14.1 Service Prov
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Table of Contents 7.23 ATM Access F
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Table of Contents 2.3 Area of Use .
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Table of Contents 7.2 Additional Ac
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Table of Contents 9.15 Clearing and
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Table of Contents 6.4 PIN and Signa
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Table of Contents 6.4 PIN and Signa
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Table of Contents 7.1.8 Card Accept
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Table of Contents D.8.1 Corresponde
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Activity(ies) The undertaking of an
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Control As used herein, Control has
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Gateway Transaction Any ATM transac
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Maestro Word Mark The Maestro Word
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Payment Transaction A Payment Trans
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Settlement Obligation A financial o
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Chapter 1 Participation This chapte
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Participation 1.2 Eligibility to be
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Participation 1.2 Eligibility to be
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Participation 1.4 Interim Participa
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Participation 1.7 Termination of Li
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Participation 1.7 Termination of Li
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Chapter 2 Licensing and Licensed Ac
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Licensing and Licensed Activities 2
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Licensing and Licensed Activities 2
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Chapter 3 Customer Obligations This
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3.1 Standards Customer Obligations
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3.1.2.1.3 Category C—Efficiency a
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3.1.2.4 Review Process Customer Obl
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3.3 Choice of Laws Customer Obligat
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3.7 Provision and Use of Informatio
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3.7.3 Use of Corporation Informatio
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3.9.2 Photographs Customer Obligati
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3.11.2 Card Count Reporting Procedu
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Customer Obligations 3.18 Expenses
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3.22 Data Protection—Europe Regio
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4.1 Right to Use the Marks Marks 4.
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4.4 Review of Solicitations 4.5 Dis
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4.7.1 Global Minimum Branding Requi
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Chapter 5 Special Issuer Programs T
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Special Issuer Programs 5.1 Special
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Special Issuer Programs 5.2 Affinit
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Special Issuer Programs 5.4 A/CB Ca
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5.6.2 Categories of Prepaid Card Pr
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Special Issuer Programs 5.6 Prepaid
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Special Issuer Programs 5.7 Chip-on
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Issuing 6.4.2 Use of the PIN.......
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Issuing 6.2 Card Standards and Spec
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Issuing 6.4 PIN and Signature Requi
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Issuing 6.5 Transmitting, Processin
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Issuing 6.8 Mobile Remote Payment T
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Issuing 6.9 Electronic Commerce 6.9
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Issuing 6.11 MasterCard MoneySend P
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Issuing 6.14 Fraud Reporting 6.13.1
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Issuing 6.19 Recurring Payments—E
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Acquiring 7.2 Additional Acquirer O
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Acquiring 7.18.2.2 Disposition of C
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Acquiring 7.1 Acquirer Obligations
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Acquiring 7.5 Acquiring Payment Tra
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Acquiring 7.6 Acquiring MoneySend P
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Acquiring 7.7 Acquiring Mobile Remo
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Acquiring 7.9 POS Terminal and Term
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Acquiring 7.9 POS Terminal and Term
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Acquiring 7.11 Additional Requireme
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Acquiring 7.12 Additional Requireme
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Acquiring 7.14 POI Terminal Transac
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Acquiring 7.15 Requirements for Tra
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Acquiring 7.16 POS Terminal and Ter
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Acquiring 7.17 Connection to the In
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Acquiring 7.18 Card Capture NOTE 7.
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Acquiring 7.20 Merchandise Transact
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Acquiring 7.23 ATM Access Fees 7.23
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Acquiring 7.23 ATM Access Fees 1. t
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Acquiring Compliance Zones Rule Num
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Security 8.10.4 Acquirer Compliance
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Security 8.3 Customer Compliance wi
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Security 8.5 PIN Entry Device Issue
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Security 8.6 POS Terminal Communica
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Security 8.9 Account Data Compromis
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Security 8.10 Site Data Protection
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Security 8.11 Algorithms 8.11 Algor
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Chapter 9 Processing Requirements T
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Processing Requirements 9.12 Floor
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Processing Requirements 9.2 POS Tra
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Processing Requirements 9.3 Termina
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Processing Requirements 9.4 Special
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Processing Requirements 9.4 Special
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Processing Requirements 9.5 Process
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Processing Requirements 9.7 Process
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Processing Requirements 9.8 Authori
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Processing Requirements 9.8 Authori
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Processing Requirements 9.9 Perform
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Processing Requirements 9.12 Floor
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Processing Requirements 9.13 Ceilin
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Processing Requirements 9.15 Cleari
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10.1 Definitions 10.2 Settlement Se
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Settlement and Reconciliation 10.4
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Settlement and Reconciliation 10.7
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Page 273 and 274: Liabilities and Indemnification 13.
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Page 303 and 304: Overview Definitions Asia/Pacific R
Page 305 and 306: 1.7 Termination of License Asia/Pac
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Page 315: Technical Specifications Compliance
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Page 327 and 328: Canada Region Section 16a—Canada
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Page 339 and 340: Overview Definitions Europe Region
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Europe Region 6.19 Recurring Paymen
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7.1.5 Acquiring Transactions Europe
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Europe Region 7.3 Additional Acquir
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7.9.2 Manual Key-entry of PAN Europ
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Europe Region 7.12 Additional Requi
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Europe Region 7.13 Additional Requi
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Europe Region 7.15 Requirements for
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7.15.6 PAN Truncation Requirements
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7.23.1.1 Transaction Field Specific
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Europe Region 7.27 Identification o
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Europe Region 8.13 Signature-based
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Bosnia and Herzegovina Kosovo Slova
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Europe Region 9.2 POS Transaction T
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9.2.2.2 Optional Online POS Transac
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Europe Region 9.2 POS Transaction T
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9.3.2 Acquirer Requirements Europe
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Europe Region 9.4 Special Transacti
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9.4.7.4 CVC 2/AVS Checks Europe Reg
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Country Code Country Country Code C
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9.8.7 Authorization Response Time 9
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Europe Region 9.9 Performance Stand
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10.2.2 Assessment for Late Settleme
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Europe Region 10.11 Customer Insolv
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13.13 Additional Liabilities 13.13.
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Europe Region Compliance Zones Rule
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Definitions Europe Region Definitio
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7.9 POS Terminal and Terminal Requi
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9.4 Special Transaction Types Europ
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9.4.9 Internet Stored Value Wallets
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Europe Region 3.6 Non-discriminatio
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Europe Region 6.4 PIN and Signature
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Chapter 18 Latin America and the Ca
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Overview Definitions Latin America
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4.5 Display on Cards Latin America
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6.4.2 Use of the PIN Latin America
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Latin America and the Caribbean Reg
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9.2.2 Acquirer Online POS Transacti
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Chapter 19 South Asia/Middle East/A
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South Asia/Middle East/Africa Regio
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South Asia/Middle East/Africa Regio
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Chapter 20 United States Region Thi
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United States Region 7.25.7 Deposit
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United States Region 3.15 Integrity
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United States Region 6.2 Card Stand
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United States Region 6.10 Selective
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United States Region 6.17 Additiona
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United States Region 7.4 Acquiring
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United States Region 7.4 Acquiring
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United States Region 7.10 Hybrid PO
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United States Region 7.17 Connectio
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United States Region 7.23 ATM Acces
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United States Region 7.25 Shared De
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United States Region 7.25 Shared De
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United States Region 9.2 POS Transa
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United States Region 9.2 POS Transa
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United States Region 9.8 Authorizat
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United States Region 10.2 Settlemen
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United States Region Compliance Zon
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Overview Maestro PayPass Overview S
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7.1 Acquirer Obligations and Activi
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7.15 Requirements for Transaction R
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A.1 Asia/Pacific Region Geographica
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• Cyprus • Czech Republic • D
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• Estonia • Finland • France
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• Puerto Rico • St. Kitts-Nevis
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• Qatar • Reunion • Rwanda
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Maestro Merchant Operating Guidelin
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Maestro Merchant Operating Guidelin
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Signage, Screen, and Receipt Text D
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Glossary Glossary Glossary This sec
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usiness day Glossary Glossary A “
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data encryption standard (DES) Glos
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global bank holding company Glossar
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offline Glossary Glossary An operat
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PIN verification Glossary Glossary
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scrip Glossary Glossary A printed r
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terminal response time Glossary Glo
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Maestro Global Rules (PDF) - MasterCard

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