Maestro Global Rules (PDF) - MasterCard

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Appendix D Signage, Screen, and Receipt Text Displays D.1 Screen and Receipt Text Standards ........................................................................................ D-1 D.2 Model Form for Terminal Signage Notification of ATM Access Fee ....................................... D-1 D.2.1 Asia/Pacific Region........................................................................................................ D-2 D.2.1.1 Australia................................................................................................................ D-2 D.2.2 Canada Region .............................................................................................................. D-3 D.2.3 Europe Region............................................................................................................... D-4 D.2.3.1 United Kingdom ................................................................................................... D-5 D.2.4 Latin America and the Caribbean Region ...................................................................... D-6 D.2.4.1 Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Panama, Peru, Puerto Rico, and Venezuela ......................................................................................................... D-7 D.2.5 South Asia/Middle East/Africa Region ........................................................................... D-8 D.2.6 United States Region ..................................................................................................... D-9 D.3 Model Form for Generic Terminal Signage Notification of ATM Access Fee.........................D-10 D.3.1 Asia/Pacific Region.......................................................................................................D-10 D.3.1.1 Australia...............................................................................................................D-11 D.3.2 Canada Region .............................................................................................................D-12 D.3.3 Europe Region..............................................................................................................D-13 D.3.3.1 United Kingdom ..................................................................................................D-14 D.3.4 Latin America and the Caribbean Region .....................................................................D-15 D.3.4.1 Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Panama, Peru, Puerto Rico, and Venezuela ........................................................................................................D-16 D.3.5 South Asia/Middle East/Africa Region ..........................................................................D-17 D.3.6 United States Region ....................................................................................................D-18 D.4 Model Form for Screen Display Notification of ATM Access Fee..........................................D-19 D.4.1 Asia/Pacific Region.......................................................................................................D-20 D.4.1.1 Australia...............................................................................................................D-21 D.4.2 Canada Region .............................................................................................................D-22 D.4.3 Europe Region..............................................................................................................D-23 D.4.3.1 United Kingdom ..................................................................................................D-24 D.4.4 Latin America and the Caribbean Region .....................................................................D-25 D.4.4.1 Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Panama, Peru, Puerto Rico, and Venezuela ........................................................................................................D-26 D.4.5 South Asia/Middle East/Africa Region ..........................................................................D-27 D.4.6 United States Region ....................................................................................................D-27 ©1993–2012 MasterCard. Proprietary. All rights reserved. Maestro Global Rules • 9 November 2012 D-i
Signage, Screen, and Receipt Text Displays D.5 Model Form for ATM Access Fee Transaction Receipt ..........................................................D-28 D.6 Model Screens Offering POI Currency Conversion ...............................................................D-29 D.7 Model Receipt for Withdrawal Completed with POI Currency Conversion ..........................D-30 D.8 Recommended Screen Messages—Europe Region Only.......................................................D-30 D.8.1 Correspondence Host-EM Response Code/Terminal Messages Screen Messages................................................................................................................................D-30 D.8.2 Messages for Cardholders and Cashiers in English and Local Language......................D-31 D.9 ATMs—Europe Region Only .................................................................................................D-32 D.9.1 Correspondence Host-EM Response Code/Terminal Messages Screen Messages................................................................................................................................D-32 D.9.2 Messages for Cardholders.............................................................................................D-33 D.9.2.1 Messages in Dutch...............................................................................................D-33 D.9.2.2 Messages in English.............................................................................................D-35 D.9.2.3 Messages in French .............................................................................................D-37 D.9.2.4 Messages in German............................................................................................D-40 D.9.2.5 Messages in Italian...............................................................................................D-42 D.9.2.6 Messages in Spanish ............................................................................................D-44 ©1993–2012 MasterCard. Proprietary. All rights reserved. D-ii 9 November 2012 • Maestro Global Rules
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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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7.23.1.1 Transaction Field Specific
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Europe Region 7.27 Identification o
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Europe Region 8.13 Signature-based
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Bosnia and Herzegovina Kosovo Slova
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Europe Region 9.2 POS Transaction T
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9.2.2.2 Optional Online POS Transac
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Europe Region 9.2 POS Transaction T
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9.3.2 Acquirer Requirements Europe
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Europe Region 9.4 Special Transacti
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9.4.7.4 CVC 2/AVS Checks Europe Reg
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Country Code Country Country Code C
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9.8.7 Authorization Response Time 9
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Europe Region 9.9 Performance Stand
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10.2.2 Assessment for Late Settleme
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Europe Region 10.11 Customer Insolv
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13.13 Additional Liabilities 13.13.
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Europe Region Compliance Zones Rule
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Definitions Europe Region Definitio
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7.9 POS Terminal and Terminal Requi
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9.4 Special Transaction Types Europ
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9.4.9 Internet Stored Value Wallets
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Europe Region 3.6 Non-discriminatio
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Europe Region 6.4 PIN and Signature
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Chapter 18 Latin America and the Ca
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Overview Definitions Latin America
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4.5 Display on Cards Latin America
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6.4.2 Use of the PIN Latin America
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Latin America and the Caribbean Reg
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9.2.2 Acquirer Online POS Transacti
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Chapter 19 South Asia/Middle East/A
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South Asia/Middle East/Africa Regio
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South Asia/Middle East/Africa Regio
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Chapter 20 United States Region Thi
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United States Region 7.25.7 Deposit
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Page 461 and 462: United States Region 6.2 Card Stand
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Page 471 and 472: United States Region 7.10 Hybrid PO
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Page 487 and 488: United States Region 10.2 Settlemen
Page 489 and 490: United States Region Compliance Zon
Page 491 and 492: Overview Maestro PayPass Overview S
Page 493 and 494: 7.1 Acquirer Obligations and Activi
Page 495 and 496: 7.15 Requirements for Transaction R
Page 497 and 498: A.1 Asia/Pacific Region Geographica
Page 499 and 500: • Cyprus • Czech Republic • D
Page 501 and 502: • Estonia • Finland • France
Page 503 and 504: • Puerto Rico • St. Kitts-Nevis
Page 505 and 506: • Qatar • Reunion • Rwanda
Page 507 and 508: Maestro Merchant Operating Guidelin
Page 509: Maestro Merchant Operating Guidelin
Page 513 and 514: Signage, Screen, and Receipt Text D
Page 559 and 560: 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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