Maestro Global Rules (PDF) - MasterCard

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Europe Region 9.2 POS Transaction Types Emergency Fallback at Hybrid POS Terminals Merchant-approved Transactions may be carried out at EMV-capable POS Terminals under the following conditions: 1. The POS Terminal has for a technical reason temporarily lost its online capability at the time of the Transaction, 2. The Card is an EMV Card, 3. The Cardholder’s PIN is successfully verified offline by the chip (unless >> no CVM is required according to the Rules applicable to the particular Transaction type, for example, parking and tollways Transactions), 4. The POS Terminal recommends approval of the Transaction, 5. The chip on the Card declines offline authorization and instead seeks an online authorization. In all presentment and authorization request messages, the Acquirer must provide the Application Authentication Cryptogram (AAC) in subelement 9 of data element (DE) 55 (Integrated Circuit Card [ICC] System-Related Data), which indicates that the chip has declined the terminal’s offline authorization request. In presentment messages only, the Acquirer must additionally provide a value of F (Offline Chip) in DE 22 (Point of Service Entry Mode), subfield 7 (Card Data Input Mode), which indicates that the terminal processed an offline chip transaction. Emergency Fallback at Magnetic Stripe POS Terminals Magnetic stripe Merchant-approved Transactions may be carried out at any POS Terminal under the following conditions: 1. The POS Terminal has for a technical reason temporarily lost its online capability at the time of the Transaction, 2. No specific CVM is required to be used for such Transactions, it being understood that only PIN provides protection in case of a chargeback under message reason code 4837. Preauthorization Preauthorization is permitted only at unattended petrol terminals (MCC 5524). Please refer to Rule 9.4.6 in this chapter. Correction Correction is not available as a separate function in Europe. In order to correct a Merchant or Cardholder error, the ‘refund’ function may be used. If the Transaction was not yet completed, the ‘cancel’ function may be used. Please refer to applicable headings below. Cancel ©1993–2012 MasterCard. Proprietary. All rights reserved. 17-56 9 November 2012 • Maestro Global Rules
Europe Region 9.2 POS Transaction Types A purchase or refund Transaction may be cancelled prior to its completion by use of a “CANCEL” or “STOP” key on the POS Terminal. Within the Europe Region, every POS Terminal that supports the purchase and/or refund Transaction must have the ability to cancel a Transaction. If the Cardholder or Merchant cancels the Transaction, or a technical failure occurs involving a magnetic stripe Transaction, either before or after the authorization request has been forwarded to the Issuer: 1. the Cardholder and Merchant must be informed; 2. there must be no record of a Transaction; 3. a reversal advice message must be reported to the Issuer. If after sending an authorization request, the POS Terminal does not receive a response, it has to ‘time-out’ and send an automatic reversal. In this case: 1. the Cardholder and Merchant must be informed; 2. the attempted Transaction must be recorded; 3. a reversal advice message must be reported to the Issuer with a response code. Refund The refund Transaction allows the Merchant to refund the Cardholder, by crediting the Cardholder’s Account for returned goods. This Transaction is not mandatory for Acquirers and may not be available at every outlet. However, the refund Transaction is mandatory for Issuers who must accept credits for their Cardholders in the clearing files. The maximum Transaction amount for refunds is the authorized Transaction amount of the corresponding purchase. The refund Transaction may be used to return unused gambling value to the Cardholder, up to the amount of the original purchase. The Gaming Payment Transaction must be used to transfer gambling winnings to the Cardholder. Refer to Rule 9.4.8 of this chapter. As the Issuer receives money, no Issuer authorization is required for a refund. Cardholders should be asked for proof of purchase (receipt etc.) showing that the original Transaction was undertaken using a Card as the payment method. PIN verification is not supported or required for intra-European refund Transactions as these Transactions are submitted without authorization. MO/TO refund Transactions may be processed to a Card without reading the magnetic stripe or chip on the Card. A Transaction printout must be generated for a refund Transaction, with the exception of MO/TO refunds. ©1993–2012 MasterCard. Proprietary. All rights reserved. Maestro Global Rules • 9 November 2012 17-57
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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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Europe Region Technical Specificati
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Overview Definitions Europe Region
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Europe Region 1.1 Types of Customer
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Page 417 and 418: Europe Region Compliance Zones Rule
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Page 435 and 436: Overview Definitions Latin America
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9.2.2 Acquirer Online POS Transacti
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Latin America and the Caribbean Reg
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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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