Maestro Global Rules (PDF) - MasterCard

7.25.3 Terminal Signs and Notices
United States Region
7.25 Shared Deposits
Acquirers must display a notice regarding funds availability in accordance with
section 229.18(c) of Regulation CC, 12 C.F.R. § 229.18(c) on each Terminal that
participates in the Shared Deposit service.
7.25.4 Maximum Shared Deposit Amount
The maximum Shared Deposit Transaction amount must be limited to USD
99,999.99.
7.25.5 Terminal Clearing
An Acquirer that accepts Shared Deposits must clear its Terminals at least once
each business day.
7.25.6 Deposit Verification
An Acquirer must process its Shared Deposits as follows:
1. the Acquirer must complete an examination of each Shared Deposit no later
than one (1) business day after the date of the Transaction;
2. such examination must be conducted under dual control standards by:
a. two (2) employees of the Acquirer; or
b. one (1) or more employees of the Acquirer with a surveillance camera
monitoring the examination
3. the examination must consist of the following;
a. the deposit must be verified to ensure that:
• the dollar amount of the deposit keyed by the Cardholder at the
Terminal matches the deposit contents
• the deposit envelope is not empty; and
• the deposit envelope does not contain only non-negotiable items
b. the Acquirer must identify any irregularities that would make an item in
the deposit envelope non-negotiable, such as:
• the deposited currency is counterfeit;
• the deposited currency, check or money order is in a denomination
other than U.S. region currency;
• the item is drawn on or payable by an institution located outside
the U.S. region;
• the item has a passbook attached;
• the item is a photocopy;
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Maestro Global Rules • 9 November 2012 20-21