Maestro Global Rules (PDF) - MasterCard

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.
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Maestro Global Rules • 9 November 2012 17-57