Maestro Global Rules (PDF) - MasterCard

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Marks Compliance Zones Rule Number/Rule Title Category 4.1 Right to Use the Marks A 4.2 Protection and Registration of the Marks B 4.3 Misuse of a Mark B 4.5 Display on Cards B 4.6 Display of the Marks at POI Terminals ©1993–2012 MasterCard. Proprietary. All rights reserved. 4-6 9 November 2012 • Maestro Global Rules B
Chapter 5 Special Issuer Programs This chapter contains information about Special Issuer Programs. 5.1 Special Issuer Programs—General Requirements..................................................................... 5-1 5.1.1 Prior Consent of the Corporation .................................................................................... 5-1 5.1.2 Reservation of Rights....................................................................................................... 5-1 5.1.3 Cardholder Communication ............................................................................................ 5-1 5.2 Affinity and Co-Brand (A/CB) Card Programs ......................................................................... 5-2 5.2.1 Compliance with the Standards....................................................................................... 5-2 5.2.2 Program Approval ........................................................................................................... 5-2 5.2.3 Ownership and Control of A/CB Programs..................................................................... 5-2 5.2.4 Ownership of Receivables............................................................................................... 5-3 5.2.5 Violation of A/CB Rules .................................................................................................. 5-3 5.2.6 Termination without Cause ............................................................................................. 5-3 5.3 A/CB Communication Standards.............................................................................................. 5-4 5.3.1 Standards for All Communications .................................................................................. 5-4 5.3.2 Review of Solicitations .................................................................................................... 5-4 5.4 A/CB Card Requirements ......................................................................................................... 5-4 5.4.1 Card Design .................................................................................................................... 5-4 5.4.2 Issuer Identification......................................................................................................... 5-4 5.4.3 A/CB Card Design—Partner’s Identification—Europe Region Only................................ 5-5 5.4.4 A/CB Card Design—Program Names—Europe Region Only .......................................... 5-5 5.5 A/CB Acceptance Requirements .............................................................................................. 5-6 5.5.1 Accept All Cards without Discrimination......................................................................... 5-6 5.5.2 Use of the Marks ............................................................................................................. 5-6 5.6 Prepaid Card Programs ............................................................................................................ 5-6 5.6.1 Responsibility for the Prepaid Card Program .................................................................. 5-6 5.6.2 Categories of Prepaid Card Program ............................................................................... 5-7 5.6.2.1 Consumer Prepaid Card Programs ......................................................................... 5-7 5.6.2.2 Commercial Prepaid Card Programs....................................................................... 5-7 5.6.2.3 Government Prepaid Card Programs...................................................................... 5-7 5.6.3 Return of Unspent Value ................................................................................................. 5-8 5.6.3.1 Consumer Prepaid Card Programs ......................................................................... 5-8 5.6.3.2 Commercial Prepaid Card Programs....................................................................... 5-8 5.6.3.3 Government Prepaid Card Programs...................................................................... 5-8 5.6.4 Value Loading.................................................................................................................. 5-9 ©1993–2012 MasterCard. Proprietary. All rights reserved. Maestro Global Rules • 9 November 2012 5-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 .....
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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
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
Page 47 and 48: Chapter 1 Participation This chapte
Page 49 and 50: Participation 1.2 Eligibility to be
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Page 53 and 54: Participation 1.4 Interim Participa
Page 55 and 56: Participation 1.7 Termination of Li
Page 57 and 58: Participation 1.7 Termination of Li
Page 59 and 60: Chapter 2 Licensing and Licensed Ac
Page 61 and 62: Licensing and Licensed Activities 2
Page 63 and 64: Licensing and Licensed Activities 2
Page 65 and 66: Chapter 3 Customer Obligations This
Page 67 and 68: 3.1 Standards Customer Obligations
Page 69 and 70: 3.1.2.1.3 Category C—Efficiency a
Page 71 and 72: 3.1.2.4 Review Process Customer Obl
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Page 75 and 76: 3.7 Provision and Use of Informatio
Page 77 and 78: 3.7.3 Use of Corporation Informatio
Page 79 and 80: 3.9.2 Photographs Customer Obligati
Page 81 and 82: 3.11.2 Card Count Reporting Procedu
Page 83 and 84: Customer Obligations 3.18 Expenses
Page 85 and 86: 3.22 Data Protection—Europe Regio
Page 87 and 88: 4.1 Right to Use the Marks Marks 4.
Page 89 and 90: 4.4 Review of Solicitations 4.5 Dis
Page 91: 4.7.1 Global Minimum Branding Requi
Page 95 and 96: Special Issuer Programs 5.1 Special
Page 97 and 98: Special Issuer Programs 5.2 Affinit
Page 99 and 100: Special Issuer Programs 5.4 A/CB Ca
Page 101 and 102: 5.6.2 Categories of Prepaid Card Pr
Page 103 and 104: Special Issuer Programs 5.6 Prepaid
Page 105 and 106: Special Issuer Programs 5.7 Chip-on
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Page 109 and 110: Issuing 6.2 Card Standards and Spec
Page 119 and 120: Issuing 6.4 PIN and Signature Requi
Page 121 and 122: Issuing 6.5 Transmitting, Processin
Page 123 and 124: Issuing 6.8 Mobile Remote Payment T
Page 125 and 126: Issuing 6.9 Electronic Commerce 6.9
Page 127 and 128: Issuing 6.11 MasterCard MoneySend P
Page 129 and 130: Issuing 6.14 Fraud Reporting 6.13.1
Page 131 and 132: Issuing 6.19 Recurring Payments—E
Page 133 and 134: Acquiring 7.2 Additional Acquirer O
Page 135 and 136: Acquiring 7.18.2.2 Disposition of C
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Acquiring 7.1 Acquirer Obligations
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Acquiring 7.2 Additional Acquirer O
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Acquiring 7.3 Additional Acquirer O
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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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