Maestro Global Rules (PDF) - MasterCard

2.3 Area of Use
Europe Region
2.3 Area of Use
In addition to the Rules in Chapter 2, “Licensing and Licensed Activities,” Rule
2.3 in part 1 of this rulebook, the following apply:
1. If the Customer has several Licenses, each may define a different Area of
Use;
2. Customers are not required to have a physical establishment in the Area
of Use.
3. An Issuer must use an ICA for Card issuance that accurately reflects the
Area of Use in the corresponding License. An Issuer must use a BIN or
BIN range for Card issuance that accurately reflects the Area of Use in the
corresponding License. Different ranges within a BIN may be linked to ICAs
assigned for different Areas of Use.
2.3.1 Transaction Location
The following additional Rules apply in the Europe Region.
2.3.1.1 Face-to-Face Transactions (including Cardholder Activated
Terminals)
The Transaction takes place at the location where the Cardholder is present and
uses the Card to effect payment to the Merchant or to receive a cash advance.
2.3.1.3 Remote Transactions (for example, Electronic Commerce)
The Transaction takes place in the country where the Merchant is established
and organizes the fulfillment of orders and the generation of Transactions for
entry into the system.
2.3.3 Central Acquiring
The Rules in this section apply in the Europe Region in place of Rule 2.3.3,
paragraphs 3, 4, and 5.
Provided that they comply with the provisions of this Rule 2.3.3, Customers that
hold a License may centrally acquire Transactions (both POS and electronic
commerce) from Merchants as described in Rule 2.3.3.4 below, including those
undertaken in countries for which the Customer does not hold a License.
Customers must not acquire Transactions from Merchants situated outside their
Area of Use, except pursuant to this Rule 2.3.3.
This Rule 2.3.3 applies to central acquiring in the Region by Customers that
hold a License for any country in the Region.
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Maestro Global Rules • 9 November 2012 17-5