Maestro Global Rules (PDF) - MasterCard

Maestro Merchant Operating Guidelines (MOG)—Europe Region Only
C.1 Maestro Merchant Operating Guidelines (MOG)
C.1 Maestro Merchant Operating Guidelines (MOG)
The information detailed below must be provided by Acquirers to their
contracted Merchants and, where appropriate, included in the Merchant
contract itself.
C.1.1 General Information
Maestro enables customers to pay for goods and services by electronic means
(for example, no paper vouchers).
Maestro supports the purchase and refund of goods and services.
Payment is guaranteed for all successful Transactions undertaken via the POS
Terminal in accordance with the Rules.
Cardholder verification may be made by PIN or signature depending on
the configuration of the POS Terminal. At dual POS Terminals Cardholder
verification must be by PIN.
All staff who accept Cards should be familiar with the Maestro point-of-sale
procedures.
C.1.2 Card Recognition and Acceptance
Cards have their own unique identity dependent upon the Issuer. However,
Merchants will be able to identify them easily, through the appearance on each
Card of the instantly recognizable Maestro logo. The Maestro logo will be
found on either the front or the back of the Card.
All Cards, when properly presented as payment from customers for Transactions,
must be honored without discrimination.
C.1.3 Basic Procedures
As the order in which POS Terminal-related activities are performed may vary
according to the type and nature of the POS Terminal, the Acquirer must ensure
that its Merchants are provided with the operating procedures relating to the
specific POS Terminal installed.
C.1.3.1 Purchase Transactions
The following diagram illustrates the standard purchase Transaction procedure:
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Maestro Global Rules • 9 November 2012 C-1