Maestro Global Rules (PDF) - MasterCard

Europe Region
9.4 Special Transaction Types
The Rules for MO/TO Transactions are the same as those for face-to-face POS
Transactions except that:
1. MO/TO Transactions must not be performed using Maestro PayPass
contactless payment functionality or include purchase with cashback
Transactions;
2. a MO/TO Transaction must have its own unique Cardholder Authority as
described in Rule 9.4.7.2, except in the circumstances described in Rule
9.4.7.3;
3. manual key entry of the PAN is the normal method of performing a MO/TO
transaction.
4. there is no Cardholder verification procedure;
5. a zero floor limit is applicable for all MO/TO Transactions;
6. if an Issuer’s response to an authorization request is incorrectly supplied as
call referral, this must be translated into a decline;
7. Merchants must collect and transmit CVC 2 for all MO/TO Purchase
Transactions. In addition, AVS checking is mandatory at UK Merchants that
deliver foreign currency or travelers’ cheques. AVS checking is optional for
all other MO/TO Transactions. The Rules and procedures for such checks
are defined in Rules 9.4.7.4, 9.8.10 and 9.8.11 of this Chapter 17;
8. Merchants must not present the Transaction until the goods or services
are ready to be dispatched.
9. the Merchant does not give the Cardholder the Transaction receipt or the
goods and/or services upon completion of the Transaction; they are either:
a. delivered to the Cardholder by a method chosen at the Merchant’s
discretion; or
b. collected by the Cardholder.
9.4.7.2 Cardholder Authorities
1. For a Mail Order Transaction: a document signed by the Cardholder or a
document which the Acquirer considers to be acceptable in lieu of a signed
document (for example, an authority sent by facsimile transmission);
2. For a Telephone Order Transaction, either:
a. instructions given over the telephone by the Cardholder to the Merchant,
either to the Merchant’s staff or to equipment operated by the Merchant
(for example, an interactive voice system); or,
b. instructions given over the telephone by means of a text message
from the Cardholder to the Merchant, via equipment operated by the
Merchant;
A Cardholder Authority must contain:
1. the following details shown on the Cardholder’s card:
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Maestro Global Rules • 9 November 2012 17-63