Maestro Global Rules (PDF) - MasterCard

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Latin America and the Caribbean Region 7.23.1.1 Transaction Field Specifications.......................................................................... 18-8 7.23.1.2 Non-Discrimination Regarding ATM Access Fees ............................................... 18-8 7.23.1.3 Notification of ATM Access Fee .......................................................................... 18-8 7.23.1.4 Cancellation of Transaction ................................................................................ 18-8 7.23.1.5 Terminal Signage, Screen Display, and Transaction Record Requirements........... 18-8 7.23.1.5.1 Additional Requirements for Terminal Signage.......................................... 18-9 7.23.1.5.2 Additional Requirements for Terminal Screen Display .............................. 18-9 7.23.1.5.3 Additional Requirements for Transaction Records ....................................18-10 7.26 Discounts or Other Benefits at POS Terminals....................................................................18-10 9.2 POS Transaction Types .........................................................................................................18-10 9.2.1 Issuer Online POS Transactions ...................................................................................18-10 9.2.2 Acquirer Online POS Transactions ...............................................................................18-11 9.2.2.1 Required Transactions .........................................................................................18-11 9.2.2.2 Optional Online POS Transactions......................................................................18-11 9.8 Authorizations .......................................................................................................................18-11 9.8.2 Terminal Transaction Routing ......................................................................................18-11 9.8.13 CVC 3 Verification—Latin America and the Caribbean Region Only..........................18-12 9.13 Ceiling Limit Guidelines (Maestro PayPass POS Transactions) ...........................................18-12 11.2 Exception Transaction Types ..............................................................................................18-12 11.2.1 POS Transactions........................................................................................................18-12 11.8 Interchange Fees for Exception Transactions......................................................................18-12 13.12 Indemnity and Limitation of Liability.................................................................................18-13 13.12.1 Indemnification against Losses .................................................................................18-13 13.13 Additional Liabilities ..........................................................................................................18-13 13.13.1 Liability for Cards Carrying the Marks ......................................................................18-13 13.14 Issuer Assurance Plan........................................................................................................18-13 Additional Regional Information.................................................................................................18-14 Latin America and the Caribbean Geographical Region .......................................................18-14 Technical Specifications........................................................................................................18-14 Compliance Zones ......................................................................................................................18-14 ©1993–2012 MasterCard. Proprietary. All rights reserved. 18-ii 9 November 2012 • Maestro Global Rules
Overview Definitions Latin America and the Caribbean Region Overview Set forth below are the Rule variations to the Maestro Global Rules and additional Rules for the Latin America and the Caribbean Region. In most cases, the Latin America and the Caribbean chapter supplements part 1 of this rulebook and Latin America and the Caribbean Customers must comply with the Rules in both part 1 and Chapter 18, “Latin America and the Caribbean Region,” of this rulebook. If a subsection in the Latin America and the Caribbean regional chapter contains the full set of Rules applicable to Latin America and the Caribbean Customers, in place of the corresponding chapter in part 1 of this rulebook, then this is clearly mentioned, and Latin America and the Caribbean Customers are required to comply only with the Rules in that Latin America and the Caribbean chapter. In all cases, Customers should refer to part 1 of this rulebook in the first instance. In addition to the defined terms in the “Definitions,” chapter in part 1 of this rulebook, the following apply: Contactless Magnetic Stripe Transaction >> In Brazil, a Transaction initiated by a Cardholder with a Card issued in Brazil at >> a Merchant located in Brazil, and which contains a value of 91 in Data Element (DE) 22 (Point of Service Entry Mode), subfield 1 (POS Terminal PAN Entry Mode), data field position 1–2 and a value of 3 or 4 in DE 61 (Point of Service [POS] Data), subfield 11 (POS Card Data Terminal Input Capability Indicator). License, Licensed In Brazil, the contract between the Corporation and a Customer granting the Customer the right to use one or more of the Mark(s) in accordance with the Standards. To be “Licensed” means to have such a right pursuant to a License. Maestro PayPass >> Maestro PayPass is a contactless payment functionality that uses radio frequency>> (“RF”) technology to exchange Transaction data between a Chip Card, an Access Device, or a Mobile Payment Device, and a RF-enabled POS Terminal that bears the Maestro PayPass logo. ©1993–2012 MasterCard. Proprietary. All rights reserved. Maestro Global Rules • 9 November 2012 18-1
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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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2.3 Area of Use Europe Region 2.3 A
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Europe Region 2.3 Area of Use In al
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The intra-European Maestro Rules, i
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3.4 Examination and Audits The foll
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3.22 Data Protection Europe Region
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Europe Region 4.2 Protection and Re
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Europe Region 5.1 Special Issuer Pr
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6.1 Eligibility Europe Region 6.1 E
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6.2.2 Embossing and Engraving Stand
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6.9 Electronic Commerce Europe Regi
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Croatia Malta Turkey Cyprus Moldova
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6.14 Fraud Reporting Europe Region
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Europe Region 6.19 Recurring Paymen
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7.1.5 Acquiring Transactions Europe
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Europe Region 7.3 Additional Acquir
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7.9.2 Manual Key-entry of PAN Europ
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Europe Region 7.12 Additional Requi
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Europe Region 7.13 Additional Requi
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Europe Region 7.15 Requirements for
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7.15.6 PAN Truncation Requirements
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Page 461 and 462: United States Region 6.2 Card Stand
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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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