Maestro Global Rules (PDF) - MasterCard

South Asia/Middle East/Africa Region
7.2 Additional Acquirer Obligations and Activities for Acquiring Transactions from a Merchant—POS and
Electronic Commerce Only
7.2 Additional Acquirer Obligations and Activities for
Acquiring Transactions from a Merchant—POS and
Electronic Commerce Only
7.2.4 Additional Acquiring Requirements
7.2.4.1 Interactive Voice Response (IVR) Transactions
Effective 1 January 2011, Merchants located in India may at their option offer
IVR Transactions on Cards issued in India.
The Rules for IVR Transactions are the same as those for face-to-face POS
Transactions except that:
1. IVR Transactions must not be performed using Maestro PayPass contactless
payment functionality or include purchase with cashback Transactions;
2. manual key entry of the PAN is the normal method of performing an IVR
Transaction;
3. the Merchant must support the passing of the data in UCAF to the Acquirer.
4. An Acquirer must provide each Merchant with a Merchant ID, and ensure
that its Merchants correctly populate all UCAF fields with required data
elements.
5. a zero floor limit is applicable for all IVR 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. the Merchant must not request an authorization until the goods or services
are ready to be dispatched;
8. the Transaction receipt and the goods and/or services are not provided
to the Cardholder upon completion of the Transaction, but rather are
delivered to the Cardholder by a method chosen at the Merchant’s
discretion or collected by the Cardholder. Refer to the MasterCard
SecureCode—Merchant Implementation Guide for more information.
7.4 Acquiring Electronic Commerce Transactions >>
7.4.1 Acquirer Responsibilities: Electronic Commerce >>
Transactions
In addition to the Rules in Chapter 7, “Acquiring Requirements,” Rule 7.4.1
in part 1 of this rulebook, with respect to intracountry electronic commerce
Transactions that take place in India:
8. process refunds as Payment Transactions.
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Maestro Global Rules • 9 November 2012 19-3