Maestro Global Rules (PDF) - MasterCard

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Europe Region 7.11 Additional Requirements for POS Terminals 7.10.1 Chip Liability Shift The liability for Europe intraregional counterfeit Transactions in which one Customer (either the Issuer or the Acquirer) is not yet EMV-compliant will be borne by the non-EMV-compliant party in the Transaction process. The chip liability shift is implemented in reason code 4870. Refer to Appendix B of the Chargeback Guide for further information. Magnetic Stripe Reading-Only POS Terminals If the original hybrid Card was issued with an EMV-compliant chip and if the magnetic stripe reading-only POS Terminal supports online PIN, the chip liability shift applies only to counterfeit fraudulent Transactions. If the original hybrid Card was issued with an EMV-compliant chip and if the magnetic stripe reading only POS Terminal is in a Waiver country (Chapter 6, “Issuing,” Rule 6.4.3 in part 1 of this rulebook) and does not support online PIN verification, the chip liability shift applies to all types of fraudulent Transactions completed with signature as the CVM. 7.11 Additional Requirements for POS Terminals 7.11.1 Additional Requirements for Hybrid POS Terminals In addition to the Rules in Chapter 7, “Acquiring,” Rule 7.11.1 in part 1 of this rulebook, the following applies: 3. POS Terminals that are online PIN-capable must support online PIN as the >> CVM for Maestro PayPass Transactions that exceed the applicable Transaction amount ceiling limit. Maestro PayPass Transactions that exceed the ceiling limit must not be completed at POS Terminals that are not online PIN-capable; a contact Transaction may instead be completed when the Transaction amount exceeds the PayPass ceiling limit. It is strongly recommended that such POS Terminals also support offline verification of the mobile PIN for Maestro PayPass Transactions initiated with a Mobile Payment Device that exceed the applicable Transaction amount ceiling limit. No Liability Shift at Online Capable Hybrid POS Terminals The Issuer of magnetic stripe-only Cards has no right to charge back under reason code 4870 fraudulent magnetic stripe Transactions completed with online PIN as the CVM at EMV-compliant online capable hybrid POS Terminals. ©1993–2012 MasterCard. Proprietary. All rights reserved. 17-36 9 November 2012 • Maestro Global Rules
Europe Region 7.12 Additional Requirements for ATMs No Liability Shift at Offline-PIN-Only Hybrid POS Terminals The Issuer of magnetic stripe-only Cards has no right to charge back under reason code 4870 fraudulent Transactions completed with signature as the CVM at offline-PIN-only hybrid POS Terminals located in a country that has a waiver permitting the support of such POS Terminals (refer to Part 1, Rule 7.9.1). Technical Fallback If both the Card and POS Terminal are hybrid, the Transaction must first be attempted using the chip. Only if the chip cannot be used to complete the Transaction may the Transaction be initiated with the magnetic stripe. Magnetic stripe Transactions undertaken by hybrid Cards at hybrid POS Terminals must be authorized online to Issuer with PIN (signature if acquired in a Waiver country (refer to Part 1, Rule 6.4.3). POS Terminals located in the Europe region should support technical fallback >> during the initial stages of a merchant’s chip migration. Acquirers may withdraw support for technical fallback at POS Terminals >> deployed within a market as the market matures and the Acquirer is content that technical fallback support is no longer required to ensure good customer service. Upon withdrawing fallback support at a POS Terminal, the Acquirer must ensure that the POS Terminal continues to support magnetic stripe Card acceptance. The Issuer does not have the right to charge back under reason codes 4837 or 4870 fraudulent fallback magnetic stripe Transactions completed with online authorization. If a fraudulent fallback Transaction is completed in any other way, the Issuer has the right to charge back the Transaction, using reason code 4870. CVM Fallback CVM fallback (that is, from PIN to signature on a Chip Transaction) is not permitted. 7.11.2 Hybrid POS Terminal CAM Policy In addition to the Rules in Chapter 7, “Acquiring,” Rule 7.11.2 in part 1 of this rulebook, the following applies: All online capable hybrid POS Terminals must support dynamic online CAM. 7.12 Additional Requirements for ATMs In addition to the Rules in Chapter 7, “Acquiring,” Rule 7.12 in part 1 of this rulebook, the following apply: ©1993–2012 MasterCard. Proprietary. All rights reserved. Maestro Global Rules • 9 November 2012 17-37
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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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10.8.2 Intraregional Fees Settlemen
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The Customer must: Settlement and R
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Content Relocated to Chargeback Gui
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Content Relocated to Chargeback Gui
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Liabilities and Indemnification 13.
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13.6 Proprietary Card Mark Liabilit
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Chapter 14 Service Providers This c
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14.1 Service Provider Categories Se
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14.1.1 Independent Sales Organizati
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Service Providers 14.3 General Obli
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Service Providers 14.3 General Obli
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14.3.10 Fees Service Providers 14.3
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14.3.15 No Endorsement of the Corpo
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14.4.3 Access to Documentation Serv
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Service Providers 14.6 Service Prov
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Service Providers 14.8 Confidential
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Chapter 15 Asia/Pacific Region This
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Overview Definitions Asia/Pacific R
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1.7 Termination of License Asia/Pac
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6.13 Issuer Responsibilities to Car
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Asia/Pacific Region 7.18 Card Captu
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Asia/Pacific Region 7.23 ATM Access
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Asia/Pacific Region 9.2 POS Transac
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Technical Specifications Compliance
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Canada Region 9.3.1 Issuer Requirem
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Canada Region 6.17 Additional Rules
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Canada Region 7.17 Connection to th
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9.4.9 Internet Stored Value Wallets
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Europe Region 9.4 Special Transacti
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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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