Maestro Global Rules (PDF) - MasterCard

United States Region
9.9 Performance Standards
Whenever a Card issued in the United States Region is used at an ATM in the
United States Region for a Transaction other than the purchase of Merchandise,
the Transaction must be routed to the Interchange System unless the Issuer
informs the Corporation that it has specified an interchange system other than
the Interchange System.
9.8.7 Authorization Response Time
9.8.7.1 Issuer Response Time Requirements
In addition to the Rules in Chapter 9, “Processing Requirements,” Rule 9.8.7.1 in
part 1 of this rulebook, the following apply:
Principals must respond to ninety-five (95) percent of all Transaction requests
within five (5) seconds.
Additional information regarding response time standards can be found in the
Single Message System Specifications manual.
9.8.7.2 Acquirer Response Time Requirements
The following replace Chapter 9, “Processing Requirements,” paragraphs 1 and
2 of Rule 9.8.7.2 in part 1 of this rulebook:
Each Acquirer is required to wait at least twenty (20) seconds before timing
out a Transaction.
Each Acquirer must ensure that its POS Terminals and Terminals wait a
minimum of twenty-five (25) seconds before timing out a Transaction.
9.9 Performance Standards
9.9.1 Issuer Standards
The following replaces Chapter 9, “Performance Standards,” Rules 9.9.1.1 and
9.9.1.2 in part 1 of this rulebook.
9.9.1.1 Issuer Failure Rate
An Issuer failure rate that exceeds two percent (2%) for POS or ATM
Transactions in any given month is considered substandard performance. The
Issuer failure rate will not apply to a Processor until:
1. After the fourth calendar month of operation; or
2. Upon processing five thousand (5,000) Transactions in a calendar month;
whichever occurs first.
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Maestro Global Rules • 9 November 2012 20-29