Maestro Global Rules (PDF) - MasterCard

Europe Region
6.13 Issuer Responsibilities to Cardholders
Issuers must provide information to their Cardholders as set forth below, in
addition to any information required under applicable law. The Corporation
may ask an Issuer to certify its compliance with these Rules.
1. Before the Card is used, Issuers must make information available to their
Cardholders as to where the Card may be used (that is, wherever, at home
or abroad, the relevant Marks are displayed). Issuers must also provide the
following information to their Cardholders:
a. the price of the Card;
b. specific charges, if any, to be paid to the Issuer for the kind(s) of service
(both at home and abroad) provided through the Card. Examples of
these charges are; cash advance fee, ATM usage fee, and interest rates
to be applied;
c. the basis for calculation of the exchange rate;
d. notice that exchange rates can fluctuate and that they may change
between the time when the Transaction is made and the time when it is
billed to the Cardholder’s Account;
e. the Cardholder’s liability, including the cost, if the Card is lost or stolen.
This information must be stated clearly in the body of the product
literature. The Cardholder must also be told what to do if the Card
is lost or stolen;
f. the standard limit, if any, up to which the Cardholder can use the Card;
g. when the Transaction is likely to be billed to the Cardholder’s Account;
and
h. information required to be provided by Rule 3.22.3 of this chapter.
2. At the time of billing the Transaction, as applicable, the following
information must be provided to the Cardholder:
a. Transaction type (for example, ATM cash withdrawal, cash advance)
and location (if technically feasible);
b. amount in Transaction currency;
c. amount in billing currency;
d. exchange rate applied;
e. total commission applied (if applicable);
f. interest rate applied (if applicable).
6.13.1 Limitation of Liability of Cardholders for Unauthorized
Use
This Rule applies with respect to Cards issued in EEA countries. Cards issued to
an entity other than a natural person are excluded, unless otherwise provided
by applicable law or the Cardholder agreement.
©1993–2012 MasterCard. Proprietary. All rights reserved.
17-26 9 November 2012 • Maestro Global Rules