Maestro Global Rules (PDF) - MasterCard

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Participation Compliance Zones 6. must promptly return to the Corporation, all systems and confidential information that are proprietary to the Corporation and all materials displaying the Marks; 7. must immediately notify all its Cardholders of its termination and its effects on them, in accordance with the Rules; 8. must immediately send each of its Sponsored Affiliates notice, indicating how to obtain a new Sponsor to prevent such Affiliate’s participation in the Corporation from terminating; 9. must continue to provide all necessary support for the Affiliates it Sponsors until the termination date; 10. remains liable to the Corporation and other Customers for the periods specified in the Rules, and its License, for Transactions arising, either before or after termination, from the use of any Card it, or its Sponsored Affiliates have issued, or from any of its POI Terminals connected, directly or indirectly, to the Interchange System. NOTE Additional regional Rules on this topic appear in Chapter 15, “Asia/Pacific Region,” of this rulebook. NOTE Compliance Zones Regional Rule variations on this topic appear in Chapter 18, “Latin America and the Caribbean Region,” of this rulebook. The following table provides the noncompliance category that the Corporation has assigned to the Standards described within this chapter. These noncompliance categories are assigned for the purposes of imposing assessments when warranted under the compliance framework, as described in Chapter 3 of this Maestro Global Rules manual. Rule Number Rule Title Category 1.1 Types of Customers A 1.2 Eligibility to be a Customer A 1.3 Application to be a Customer A 1.4 Interim Participation A 1.5 Conditioned Participation A 1.6 Obligations, Rights and Responsibilities 1.7 Termination of License A ©1993–2012 MasterCard. Proprietary. All rights reserved. Maestro Global Rules • 9 November 2012 1-11 A
Chapter 2 Licensing and Licensed Activities This chapter contains information about licensing and rights and obligations related to Licensed Activity by Customers. 2.1 Purpose of License; Eligibility .................................................................................................. 2-1 2.2 License Application.................................................................................................................. 2-1 2.2.1 Single European Payment Area License—Europe Region Only ...................................... 2-1 2.2.2 PayPass License............................................................................................................... 2-1 2.3 Area of Use .............................................................................................................................. 2-2 2.3.1 Transaction Location ....................................................................................................... 2-2 2.3.2 Extending or Otherwise Modifying the Area of Use ....................................................... 2-2 2.3.2.1 Transfer of Cards to India Residents is Prohibited without a License..................... 2-3 2.3.3 Central Acquiring ............................................................................................................ 2-4 2.4 MasterCard Anti-Money Laundering Program .......................................................................... 2-4 2.5 Obligations of a Sponsor ......................................................................................................... 2-4 2.6 Name Change .......................................................................................................................... 2-4 Compliance Zones ......................................................................................................................... 2-4 ©1993–2012 MasterCard. Proprietary. All rights reserved. Maestro Global Rules • 9 November 2012 2-i
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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 .....
Page 7 and 8: Table of Contents 3.12 Contact Info
Page 9 and 10: Table of Contents 6.2.4 Mobile Paym
Page 11 and 12: Table of Contents 7.8 Eligible POI
Page 13 and 14: Table of Contents 8.6.1 Account Pro
Page 15 and 16: Table of Contents 9.9.3 Noncomplian
Page 17 and 18: Table of Contents 14.1 Service Prov
Page 19 and 20: Table of Contents 7.23 ATM Access F
Page 21 and 22: Table of Contents 2.3 Area of Use .
Page 23 and 24: Table of Contents 7.2 Additional Ac
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Page 27 and 28: Table of Contents 6.4 PIN and Signa
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Page 31 and 32: Table of Contents 7.1.8 Card Accept
Page 33 and 34: Table of Contents D.8.1 Corresponde
Page 35 and 36: Activity(ies) The undertaking of an
Page 37 and 38: Control As used herein, Control has
Page 39 and 40: Gateway Transaction Any ATM transac
Page 41 and 42: Maestro Word Mark The Maestro Word
Page 43 and 44: Payment Transaction A Payment Trans
Page 45 and 46: Settlement Obligation A financial o
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Page 55 and 56: Participation 1.7 Termination of Li
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Page 89 and 90: 4.4 Review of Solicitations 4.5 Dis
Page 91 and 92: 4.7.1 Global Minimum Branding Requi
Page 93 and 94: Chapter 5 Special Issuer Programs T
Page 95 and 96: Special Issuer Programs 5.1 Special
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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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United States Region 3.15 Integrity
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United States Region 6.2 Card Stand
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United States Region 6.10 Selective
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United States Region 6.17 Additiona
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United States Region 7.4 Acquiring
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United States Region 7.4 Acquiring
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United States Region 7.10 Hybrid PO
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United States Region 7.17 Connectio
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United States Region 7.23 ATM Acces
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United States Region 7.25 Shared De
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United States Region 7.25 Shared De
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United States Region 9.2 POS Transa
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United States Region 9.2 POS Transa
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United States Region 9.8 Authorizat
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United States Region 10.2 Settlemen
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United States Region Compliance Zon
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Overview Maestro PayPass Overview S
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7.1 Acquirer Obligations and Activi
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7.15 Requirements for Transaction R
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A.1 Asia/Pacific Region Geographica
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• Cyprus • Czech Republic • D
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• Estonia • Finland • France
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• Puerto Rico • St. Kitts-Nevis
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• Qatar • Reunion • Rwanda
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Maestro Merchant Operating Guidelin
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Maestro Merchant Operating Guidelin
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Signage, Screen, and Receipt Text D
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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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Maestro Global Rules (PDF) - MasterCard

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