Maestro Global Rules (PDF) - MasterCard

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Europe Region 8.14 Audit Trail 8.14 Audit Trail The following additional Rules apply in the Europe Region. Systems must be designed and built in such a way that violation of any security requirement can be monitored. The party responsible for maintaining a particular security function must keep a record of all violations or fraud attempts and the action taken for at least one (1) year. 8.15 Inspection of Customers The following additional Rules apply in the Europe Region. Customers must at all times comply with all minimum security Standards with respect to the treatment and safeguarding of card manufacture, printing, embossing, encoding, and mailing as well as for any phase of the production and distribution of Cards or Account information. Additionally, each Customer must at all times ensure that reasonable means are employed to ensure that Cardholder and Account information is stored and used in a secure manner designed to minimize the likelihood of internal theft or misuse. Customers must promptly implement such safeguards as the payment scheme may reasonably require to ensure compliance with the aforementioned obligations. The Corporation has the right to inspect Customers. 9.2 POS Transaction Types 9.2.1 Issuer Online POS Transactions The Rules set forth in Chapter 9, “Processing Requirements,” Rule 9.2.1 in part 1 of this rulebook are modified as shown below: ‘Account selection’ is not currently supported within the Europe region. Issuers in the countries listed below are required to offer the MasterCard MoneySend Payment Transaction type to their Cardholders. Albania Hungary Romania Armenia Israel Russian Federation Azerbaijan Kazakhstan Serbia ©1993–2012 MasterCard. Proprietary. All rights reserved. 17-50 9 November 2012 • Maestro Global Rules
Bosnia and Herzegovina Kosovo Slovakia Bulgaria Macedonia Slovenia Croatia Malta Turkey Cyprus Moldova Ukraine Czech Republic Montenegro Georgia Poland Issuers must technically support MO/TO refund Transactions. Europe Region 9.2 POS Transaction Types Issuers must technically support purchase with cash back Transactions. They must make individual authorization decisions and must not automatically decline authorization of purchase with cash back Transactions. An Issuer must support partial amount preauthorization on Cards used at unattended petrol POS Terminals if the Issuer supports this transaction type when any other debit brand is used at unattended petrol POS Terminals. Issuers in the countries listed below must support the Gaming Payment Transaction. Refer to Rule 9.4.8 of this chapter for more information. Country Code Country Country Code Country 020 Andorra 428 Latvia 040 Austria 442 Luxembourg 056 Belgium 470 Malta 100 Bulgaria 492 Monaco 196 Cyprus 528 Netherlands 203 Czech Republic 578 Norway 208 Denmark 642 Romania 233 Estonia 674 San Marino 250 France 703 Slovakia 280 Germany 705 Slovenia 292 Gibraltar 724 Spain 300 Greece 752 Sweden 348 Hungary 756 Switzerland 352 Iceland 792 Turkey ©1993–2012 MasterCard. Proprietary. All rights reserved. Maestro Global Rules • 9 November 2012 17-51
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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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Canada Region 7.23 ATM Access Fees
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Canada Region 9.8 Authorizations 9.
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Canada Region Section 16a—Canada
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Canada Region 7.1 Acquirer Obligati
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Chapter 17 Europe Region This chapt
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Europe Region 6.4.2.1 Chip Cards...
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Europe Region 8.4 PIN and Key Manag
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Page 417 and 418: Europe Region Compliance Zones Rule
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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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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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