Transaction Processing Rules. 13 December 2013

Transcription

1 Transaction Processing Rules 13 December 2013

2 Notices Following are policies pertaining to proprietary rights, trademarks, translations, and details about the availability of additional information online. Proprietary Rights The information contained in this document is proprietary to MasterCard International Incorporated, one or more of its affiliated entities (collectively MasterCard ), or both. Trademarks Trademark notices and symbols used in this document reflect the registration status of MasterCard trademarks in the United States. Please consult with the Customer Operations Services team or the MasterCard Law Department for the registration status of particular product, program, or service names outside the United States. All third-party product and service names are trademarks or registered trademarks of their respective owners. Disclaimer MasterCard makes no representations or warranties of any kind, express or implied, with respect to the contents of this document. Without limitation, MasterCard specifically disclaims all representations and warranties with respect to this document and any intellectual property rights subsisting therein or any part thereof, including but not limited to any and all implied warranties of title, non-infringement, or suitability for any purpose (whether or not MasterCard has been advised, has reason to know, or is otherwise in fact aware of any information) or achievement of any particular result. Without limitation, MasterCard specifically disclaims all representations and warranties that any practice or implementation of this document will not infringe any third party patents, copyrights, trade secrets or other rights. Translation A translation of any MasterCard manual, bulletin, release, or other MasterCard document into a language other than English is intended solely as a convenience to MasterCard customers. MasterCard provides any translated document to its customers AS IS and makes no representations or warranties of any kind with respect to the translated document, including, but not limited to, its accuracy or reliability. In no event shall MasterCard be liable for any damages resulting from reliance on any translated document. The English version of any MasterCard document will take precedence over any translated version in any legal proceeding. Information Available Online MasterCard provides details about the standards used for this document including times expressed, language use, and contact information on the Publications Support page available on MasterCard Connect. TPR 13 December 2013 Transaction Processing Rules

3 Applicability of Rules in this Manual This manual contains Rules for the MasterCard, Maestro and Cirrus brands. The Rules relate to Activity conducted pursuant to a License that MasterCard grants to a Customer for use of one or more of these brands. If a particular brand or brands is not mentioned in a Rule, then the Rule applies to all three brands. The Rules in this manual pertain to the processing of Transactions. As used herein, a Transaction means a transaction resulting from the use of a MasterCard, Maestro, or Cirrus Card, as the case may be. The below table describes the applicability of the Rules for particular types of Transactions. Please note that the term POS Transaction refers to a Transaction that occurs at a Merchant location, whether in a Card-present environment at an attended or unattended POS Terminal, or in a Card-not-present environment. In a Card-not-present environment, this may include electronic commerce ( e-commerce ), mail order, phone order, or recurring payment Transactions. Rules relating to MasterCard POS Transactions Maestro POS Transactions ATM Transactions Manual Cash Disbursement Transactions MasterCard Electronic Transactions MasterCard Mobile Remote Payment (MMRP) Transactions Payment Transactions Apply to A POS Transaction conducted with a MasterCard Card. A POS Transaction conducted with: A Maestro Card, or A MasterCard Card issued using a BIN identified by the Corporation as Debit MasterCard and routed to the Single Message System. A Transaction conducted with a MasterCard, Maestro, or Cirrus Card at an ATM Terminal and routed to the Interchange System. A cash withdrawal Transaction conducted at a Customer financial institution teller with: A MasterCard Card, or A Maestro or Cirrus Card at a PIN-based In-Branch Terminal and routed to the Interchange System. A POS Transaction conducted with a MasterCard Electronic Card at a MasterCard Electronic Merchant. A POS Transaction performed by an enrolled consumer using a mobile device registered by the Issuer or its Service Manager and having MasterCard Mobile Remote Payment functionality. The consumer, as a MasterCard or Maestro Cardholder, initiates and authenticates payments by entering a PIN or mobile-specific credentials on the mobile device. A Transaction that transfers funds to an Account. A Payment Transaction is not a credit that reverses a previous purchase. Includes MoneySend Payment Transactions. Transaction Processing Rules 13 December

4 Modifying Words and Acronyms From time to time, the meanings of the above terms are modified by the addition of another word or acronym. For example, a Debit MasterCard POS Transaction means a Transaction resulting from the use of a Debit MasterCard Card at the point of sale (POS). However, for ease of use, not every modifying term is defined. While MasterCard alone interprets and enforces its Rules and other Standards, these Transaction Processing Rules endeavor to use defined terms and other terms and terminology in a plain manner that will be generally understood in the payments industry. Variations and Additions to the Rules for a Geographic Area Variations and/or additions to the Rules are applicable in geographic areas, whether a country, a number of countries, a region, or other area. In the event of a conflict between a Rule and a variation of that Rule, the variation is afforded precedence and is applicable. The Rules set forth in this manual are Standards and MasterCard has the sole right to interpret and enforce the Rules and other Standards December 2013 Transaction Processing Rules

5 Summary of Changes, 13 December 2013 The below table reflects changes associated with announcements published in MasterCard Bulletins and which took effect from 1 June 2013 to 13 December Description of Change Revised Standards for Support of Point-of-Sale Balance Inquiry, U.S. Region Operations Bulletin, 12 February 2013 Rules relating to Europe region authorization processing, as published in Processing of Authorizations and preauthorizations in the Europe Region, Global Operations Bulletin, 2 January Clarifications relating to Europe Region authorization processing, as published in Clarification of Standards for Authorizations and preauthorizations in the Europe Region, Global Operations Bulletin, 1 October Updates to terminology used in U.S. Region Stand-In Processing rules, as published in Revised Standards, Stand-In Reminder, and Updated Terminology for Debit MasterCard Cards, U.S. Region Operations Bulletin, 31 October Rules relating to a mandate for Canada Region issuers and acquirers to be able to send, receive, and process ABU data, as published in Automatic Billing Updater (ABU) Program Participation Mandate for Canada Region, Canada Region Operations Alert, 17 July Revised rules for mobile POS (MPOS) Terminals, as published in Revised Standards for Mobile POS Terminals, Global Operations Bulletin, 1 August Lithuania is added to the list of countries where online PIN does not need to be supported for Maestro POS Transactions, as published in Revised Standards for Support of Offline PIN Only at Hybrid POS Terminals in Lithuania, Global Operations Bulletin, 1 October Revisions relating to specific transaction terms, returned products, and cancelled services, as published in Revised Chargeback Standards, Global Operations Bulletin, 3 December Rules for processing certain Maestro transactions without PIN verification in the U.S. region, as published in PIN-less Single Message Transactions in the United States Region, U.S. Region Operations Bulletin, 16 January Rules to support Maestro Contactless transit aggregation, as published in Revised Standards for Maestro PayPass Transit Aggregation, Global Operations Bulletin, 3 June Where to Look Chapter 2 Chapter 2 Chapter 2 Chapter 2 Chapter 2 Chapters 3 and 4, Definitions Chapter 3 Chapter 3 Chapter 4 Chapter 4, Appendix C Transaction Processing Rules 13 December

6 Description of Change Rules permitting a U.S. Region merchant to charge a fee on the cash back portion of a Purchase with Cash Back Transaction, providing that parity exists with all other debit payment networks, as published in Revised Standards for Purchase with Cash Back Transactions, United States Region Operations Bulletin, 18 July Rules permitting a South Africa merchant to offer the purchase with cash back transaction on any MasterCard card, including credit cards, as published in Revised Standards for Purchase With Cash Back Transactions, South Africa Operations Bulletin, 11 June Revised Standards for Hungary, Poland, and the Ukraine to support the sending of MasterCard MoneySend transactions funded by cash or other anonymous sources, including mobile phones, as published in Revised Standards for Mobile MoneySend, Hungary/Poland/Ukraine Operations Bulletin, 7 July Revisions to ATM functionality support requirements, as published in Revised Standards ATM Services Mandate, Kazakhstan Operations Bulletin, 19 April 2013 Revisions to contactless support mandates in the Canada region, as published in Revised Standards and Effective Date for Support of the Device Type Indicator and PayPass Version 3.0, Canada Region Operations Alert, 20 June Rules relating to contactless support at POS terminals in the Europe region, as published in Revised Standards Support for PayPass 3.0, Europe Region Operations Bulletin, 1 August Requirements for support of contactless payments in Italy, as published in MasterCard Introduces Requirements for Contactless Payments Acceptance, Italy Operations Bulletin, 11 April Requirements for support of contactless payments in Poland, as published in MasterCard Introduces Mandate for Contactless Payments Acceptance, Poland Operations Bulletin, 10 July EMV migration requirements are added for issuers and acquirers in Albania, Bosnia, Kosovo, Macedonia, Moldova, Montenegro, and Serbia, as published in Revised Standards EMV Migration Requirements for Non-SEPA Europe Region Countries, Europe Region Operations Bulletin, 2 January Revisions relating to the inclusion of Croatia in the European Economic Area effective 1 July 2013, as published in Revised Standards Accession of Croatia to the European Union, Europe Region Operations Bulletin, 2 January Where to Look Chapter 4 Chapter 4 Chapter 6 Chapter 7 Chapter 7 Chapter 7 Chapter 7 Chapter 7 Chapter 7 Appendix A 2 13 December 2013 Transaction Processing Rules

7 Cross-reference A, 13 December June 2013 MasterCard Rules to 13 December 2013 MasterCard Rules and Transaction Processing Rules The following cross-reference will help you to understand where rules that appeared in the 14 June 2013 publication of the MasterCard Rules manual may now be found in the 13 December 2013 publications of the new MasterCard Rules and/or Transaction Processing Rules manuals. Please note that in the Location in 13 December 2013 edition columns: Where MC is indicated under Manual, the Location column shows the number of Rules in the MasterCard Rules manual, and Where TP is indicated under Manual, the Location column shows the chapter number and Rule title of Rules in the Transaction Processing Rules manual. Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 MasterCard Rules Manual Location Eligibility to be a Customer 1.1 MC 1.1 Principal or Affiliate MC Association MC Interim Participation 1.2 MC 1.5 Special Conditions of Participation, License or Activity 1.3 MC 1.4 Participation in Activity 1.4 MC 1.8 Changing Customer Status MC Participation and License Not Transferable MC Right to Sponsor Affiliates MC Customer Responsibilities MC Suspension or Amendment of Participation, License or Activity 1.5 MC 1.5 Termination of Participation or License 1.6 MC 1.6 Voluntary Termination MC Termination by the Corporation MC Rights, Liabilities, and Obligations of Terminated Customers MC Transaction Processing Rules 13 December

8 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 MasterCard Rules Manual Location The License 2.1 MC 1.6 SEPA Licensing Program Europe Region Only MC Area of Use 2.2 MC 1.7 Extending the Area of Use MC Central Acquiring Europe Region Only MC Transfer of Cards to India Residents is Prohibited without a License MC Merchant Location MC Transaction Location MC MasterCard Anti-Money Laundering Program 2.3 MC 1.2 Obligation to Issue Cards 2.4 MC 3.1 Responsibility for Transactions 2.5 MC 3.2 Settlement Liability for Debit Licensees MC 8.6 Settlement Liability for Type I TPPs that Sponsor Affiliates MC 8.7 Change in Sponsorship 2.6 MC Name Change 2.7 MC Sale or Change of Ownership or Control of Customer or Portfolio 2.8 MC 1.10, 1.11 Standards 3.1 MC 2.1 Variances MC Failure to Comply with a Standard MC Noncompliance Categories MC Category A Payment System Integrity MC Category B Visible to Customers MC Category C Efficiency and Operational Performance MC December 2013 Transaction Processing Rules

9 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 MasterCard Rules Manual Location Noncompliance Assessments MC 2.14 Certification MC Review Process MC Resolution of Review Request MC Intracountry Transactions MC Communication of Intracountry Fallback Rules MC Conduct of Activity 3.2 MC 2.2 Obligations of a Sponsor MC Affiliates MC Financial Soundness MC Compliance MC Acquirers MC Indemnity and Limitation of Liability 3.3 MC 2.3 Choice of Laws 3.4 MC 2.4 Examination and Audit 3.5 MC 2.5 Provision and Use of Information 3.6 Deleted; heading only Obligation of Customer to Provide Information MC 3.9 Confidential Information of Customers MC 3.10 Use of Corporation Information by a Customer Confidential Information of the Corporation and the Corporation s Affiliates MC MC 3.12 Data Protection Europe Region Only MC 3.13 Quarterly MasterCard Report 3.7 MC 3.14 Report Not Received MC Transaction Processing Rules 13 December

10 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 MasterCard Rules Manual Location Erroneous or Incomplete Report MC Overpayment Claim MC Transaction Requirements 3.8 MC 3.3 Authorization Service 3.9 MC 3.4 Integrity of Brand and Network 3.10 MC 3.7 Right to Use the Marks 4.1 MC 4.1 Protection and Registration of the Marks MC Registration of a Design MC Misuse of a Mark MC Requirements for Use of a Mark 4.2 MC 4.2 Review of Solicitations 4.3 MC 4.3 Signage System 4.4 MC 4.4 Particular Use of a Mark 4.5 Deleted; heading only Generic Use MC Use of Modifiers MC Use on Stationery MC Use on Non-Licensed Products MC Use on Cards MC Use of the MasterCard Word Mark 4.6 MC See MasterCard Word Mark in Definitions Use or Registration of Master Terminology Use of MasterCard in a Corporate, Business or Domain Name MC MC Use of MasterCard in Text MC Program Names MC December 2013 Transaction Processing Rules

11 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 MasterCard Rules Manual Location Use of the Interlocking Circles Device 4.7 MC 4.5 Use or Registration of Similar Logos, Designs, and Names MC Use of Multiple Brand Marks 4.8 MC 4.6 Use of the Card Face Design 4.9 Deleted; heading only In Advertising and Marketing Material MC 4.11 In Merchant Advertising MC 4.10 In Statement Enclosures MC 4.12 Use of the MasterCard Brand Mark on Other Cards 4.10 MC 4.13 Use of a Competing Mark on Cards 4.11 MC 4.9 Use of Other Acceptance Marks on Cards 4.12 MC 4.9 The Merchant Agreement 5.1 MC 5.1 Verify Bona Fide Business Operation MC Required Terms MC Payment Facilitators MC Gambling Merchants MC Assessments for Merchant Agreement Noncompliance MC Maintaining Information MC Merchant and Sub-merchant Compliance with the Standards 5.2 MC 5.2 Noncompliance Assessments MC Acquirer Obligations to Merchants 5.3 MC 5.3 and subsections Use of a Payment Facilitator 5.4 MC 5.4 Responsibility for Payment Facilitator and Sub-merchant Activity MC Transaction Processing Rules 13 December

12 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 MasterCard Rules Manual Location High-Risk Payment Facilitators MC Registration Requirements for Payment Facilitators MC Payment Facilitator Obligations 5.5 MC 5.5 Sub-merchant Screening Procedures MC Sub-merchant Agreement MC Required Terms MC Obligations as Sponsor of Sub-merchants MC Merchant Identification and Responsibility for Transactions 5.6 MC 5.6 Merchant Data in Transaction Messages 5.7 MC 5.7 Transaction Currency Information 5.8 MC 5.8 Use of the Marks 5.9 MC 5.9 Merchants Must Display the MasterCard Acceptance Mark MC 5.9.1, Merchant Advertising and POI Materials MC 5.9.1, Local/Regional Acceptance Brands MC Merchant Obligations for Card Acceptance 5.10 MC 5.10 Honor All Cards MC Merchant Acceptance MC Obtain an Authorization MC Additional Cardholder Identification MC Discounts or Other Benefits at the Point of Interaction MC Prohibited Practices 5.11 MC 5.11 Discrimination MC Charges to Cardholders MC Minimum/Maximum Transaction Amounts MC December 2013 Transaction Processing Rules

13 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 MasterCard Rules Manual Location Scrip-dispensing Terminals MC Existing Cardholder Obligations MC Cardholder Right of Dispute MC Illegal or Brand-damaging Transactions MC Assessments for Merchant Noncompliance MC Disparagement MC Submitting Transactions 5.12 Deleted; heading only Valid Transactions TP 5.12 Transaction Records MC 2, Presentment of Transaction Records; 3, Transaction Records Sale or Exchange of Information 5.13 MC 5.13 Issuer Responsibilities to Cardholders 6.1 MC 6.2 Limitation of Liability of Cardholders for Unauthorized Use MC 6.3 Selective Authorization 6.2 MC 6.4 Account Access 6.3 MC Linked Card Program Solicitations 6.4 MC Stand-In Processing Service 6.5 TP 2, Stand-In Processing Service Issuer Performance Standards 6.6 TP 2, Performance Standards Issuers Special Issuer Programs General Requirements 6.7 MC 6.6 Prior Consent of the Corporation MC Reservation of Rights MC Transaction Processing Rules 13 December

14 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 MasterCard Rules Manual Location Cardholder Communication MC Affinity and Co-Brand Card Programs 6.8 MC 6.7 Ownership and Control of the Program MC Accept All Cards Without Discrimination Deleted; see MC Rule , Honor All Cards Use of the MasterCard Acceptance Mark MC Brand Value Transactions and Proprietary Accounts 6.9 MC 6.8 Proprietary Account Access MC Fees and Reporting Requirements MC Remote Transaction Accounts 6.10 MC 6.9 Remote Transaction Account Requirements Remote Transaction MasterCard M/Chip Account Programs MC Deleted Secured Card Programs 6.11 MC 6.10 Refund of Fees MC Solicitation and Disclosure Requirements MC Prepaid Card Programs 6.12 MC 6.11 Responsibility for the Prepaid Card Program MC Categories of Prepaid Card Programs MC Consumer Prepaid Card Programs MC Commercial Prepaid Card Programs MC Government Prepaid Card Programs MC Return of Unspent Value MC Consumer Prepaid Card Programs MC Commercial Prepaid Card Programs MC December 2013 Transaction Processing Rules

15 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 MasterCard Rules Manual Location Government Prepaid Card Programs MC Value Loading MC Communications and Marketing Materials MC Anti-Money Laundering Deleted; see Summary of Changes Anonymous Prepaid Card Guidelines MC BINs MC Simplified Due Diligence Guidelines MC Service Provider Categories 7.1 MC 7.1 Third Party Processor MC Type I MC Type II MC Type III MC Digital Wallet Operator MC and subsections The Program and Performance of Program Service 7.2 MC 7.2 Customer Responsibility and Control MC Notification to the Corporation MC Program Service Agreement MC Disclosure of Standards MC Customer Point of Contact MC Use of the Marks MC Service Provider Identification on a Card MC Program Materials MC Fees MC Settlement Failure Obligation MC Transaction Processing Rules 13 December

16 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 MasterCard Rules Manual Location Data Security MC Settlement Account 7.3 MC 7.3 Transfer of Rights Prohibited 7.4 MC 7.4 Use of the Corporation s Systems and Confidential Information 7.5 MC 7.5 Acquiring Programs 7.6 MC 7.6 Merchant Agreement MC Collection of Funds MC Access to Documentation MC Authority to Terminate Merchant Agreement MC Issuing Programs 7.7 MC 7.7 Card Application Approval MC Cardholder Agreement MC Program Payments MC Program Receivables MC Registration Requirements for DSEs, ISOs, and Type II TPPs Site Data Protection (SDP) Program Noncompliance Registration Requirements for Type I TPPs Registration Requirements for Type III TPPs Registration Requirements for Staged DWOs Registration of a Service Provider Registration Facilitator Service Provider Registration Noncompliance 7.8 MC MC MC MC MC MC MC December 2013 Transaction Processing Rules

17 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 MasterCard Rules Manual Location Prohibition from Acting as a Service Provider Termination of Program Service Agreement or De-registration Confidential Information of Service Providers 7.14 MC MC MC 7.16 Audits 7.17 MC 7.17 No Endorsement by the Corporation 7.18 MC 7.18 Connecting to the Interchange System 8.1 TP 1, Connecting to the Interchange System Authorization Routing TP 1, Authorization Routing MasterCard Transactions Acquirer Host System Requirements 8.2 TP 1, Acquirer Host System Requirements Authorization Requirements 8.3 TP Header deleted Full and Partial Reversals TP 2, Full and Partial Reversals Reversal for Conversion of Approval to Decline Full and Partial Approvals and Account Balance Responses Multiple Authorizations from Travel and Entertainment Merchants TP 2, Reversal for Conversion of Approval to Decline TP 2, Full and Partial Approvals and Account Balance Responses TP 2, Multiple Authorizations Transaction Processing Rules 13 December

18 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 MasterCard Rules Manual Location Card Acceptance Procedures 8.4 TP 3, MasterCard Merchant and Cash Disbursement Acceptance Procedures Card Must be Present TP 3, Presenting the MasterCard Card Determine Whether Card is Valid TP 3. Determining MasterCard Card Validity Unsigned Cards TP 3, Unsigned Cards Suspicious Cards TP 3, Suspicious Cards Obtaining an Authorization TP 3, Obtaining an Authorization for a MasterCard Transaction When to Obtain an Authorization TP 3, Obtaining an Authorization for a MasterCard Transaction Chip Transactions TP 3, Obtaining an Authorization for a MasterCard Transaction Lodging, Cruise Line, and Vehicle Rental Transactions TP 3, Authorization of Lodging, Cruise Line, and Vehicle Rental Transactions Adding a Gratuity TP 3, Authorization When the Cardholder Adds a Gratuity December 2013 Transaction Processing Rules

19 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 MasterCard Rules Manual Location Suspicious Transactions and Pick-up-card Response TP 3, Suspicious Transactions and Capture Card Response Completing the Transaction TP 3, Providing a Transaction Receipt TID Information Requirements TP 3, POS Transaction Receipt Requirements Prohibited Information TP 3, POS Transaction Receipt Requirements Cardholder Verification Method (CVM) TP 3, MasterCard Cardholder Verification PIN and Signature Requirements Give the Cardholder a Copy of the Receipt TP 3, Providing a Transaction Receipt Multiple TIDs and Partial Payment TP 3, Multiple Transactions and Partial Payment Specific Terms of a Transaction TP 3, Specific Terms of a Transaction Returned Products and Canceled Services TP 3, Returned Products and Canceled Services Charges for Loss, Theft, or Damage TP 3, Charges for Loss, Theft, or Damage MasterCard Transactions Only Transaction Processing Rules 13 December

20 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 MasterCard Rules Manual Location Chip Transactions and Acceptance at Hybrid POS Terminals 8.5 TP 4, Chip Transactions at Hybrid POS Terminals Acceptance at Hybrid POS Terminals TP 4, Chip Transactions at Hybrid POS Terminals Acceptance at Chip-only MPOS Terminals TP 5, Hybrid POS Terminal Requirements Hybrid POS Terminal and Chip-only MPOS Terminal Display Requirements Offline-only Hybrid POS Terminals at Merchants with No Fixed Location TP 5, Hybrid POS Terminal and Chip-only MPOS Terminal Displays TP 4, Offline Transactions Performed on Board Planes, Trains, and Ships CVM Fallback See M/Chip Requirements CVM Failure See M/Chip Requirements Technical Failure See M/Chip Requirements Card-not-present Transactions 8.6 Deleted; heading only E-commerce Transactions TP 5, E-commerce Transactions Recurring Payment Transactions TP 5, Recurring Payment Transactions MasterCard Advance Registration Program (MARP) Transactions TP 5, MasterCard Advance Registration Program (MARP) Transactions December 2013 Transaction Processing Rules

21 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 MasterCard Rules Manual Location MasterCard PayPass Transactions 8.7 TP 4, MasterCard Contactless Transactions Processing MasterCard PayPass Transit Transactions TP 4, MasterCard Contactless Transit Aggregated Transactions PayPass-only Acceptance TP 4, Contactlessonly Acceptance MasterCard PayPass-M/Chip Transaction Offline Authorization Limit Amounts Mobile MasterCard PayPass-M/Chip Transactions TP 4, MasterCard Contactless M/Chip Transaction Offline Authorization Limit Amounts TP 4, Mobile MasterCard Contactless M/Chip Transactions Quick Payment Service (QPS) Program 8.8 TP 4, Quick Payment Service (QPS) Program Purchase with Cash Back Transactions 8.9 TP 4, Purchase with Cash Back Transactions Unique Transactions 8.10 MC Cardholder-Activated Terminal Requirements 8.11 TP 4, Cardholder- Activated Terminal Requirements Automated Fuel Dispenser Transactions TP 4, Automated Fuel Dispenser Transactions Transaction Processing Rules 13 December

22 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 MasterCard Rules Manual Location Payment Transactions 8.12 TP 6, Payment Transactions, and subsections Gaming Payment Transactions TP 6, Gaming Payment Transactions MoneySend Payment Transactions 8.13 TP 6, MoneySend Payment Transactions MoneySend Payment Transaction Requirements TP 6, MoneySend Payment Transactions Acquirer Requirements, MoneySend Payment Transaction Issuer Requirements PIN-based Debit Transactions 8.14 TP 4, PIN-based Debit Transactions United States Region Only Refund Transactions 8.15 TP 3, Refund Transactions POI Currency Conversion 8.16 TP 3, POI Currency Conversion Chargebacks for Reissued Cards 8.17 TP 2, Chargebacks for Reissued Cards Use of Automatic Billing Updater 8.18 TP 5, Use of Automatic Billing Updater Cash Disbursements 8.19 TP 4, MasterCard Manual Cash Disbursement Transactions Nondiscrimination TP 4, Nondiscrimination December 2013 Transaction Processing Rules

23 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 MasterCard Rules Manual Location Maximum Cash Disbursement Amounts TP 4, Maximum Cash Disbursement Amounts Discount or Service Charges TP 4, Discount or Service Charges MasterCard Acceptance Mark Must Be Displayed TP 4, MasterCard Acceptance Mark Must Be Displayed Cash Disbursement Procedures TP See 3, MasterCard Merchant and Cash Disbursement Acceptance Procedures Encashment of MasterCard Travelers Cheques TP 4, Encashment of MasterCard Travelers Cheques Euro Migration 8.20 TP 2, Euro Conversion Definitions 9.1 MC 8.1 Net Settlement 9.2 MC 8.2 Currency Conversion MC Settlement Finality MC Interchange and Service Fees 9.3 MC 8.3 Cost Studies MC Allocation of Expenses MC Noncompliance with a Cost Study MC Establishment of Intracountry Interchange and Service Fees 9.4 MC Inadvertently omitted from 9 August 2013 publication of MasterCard Rules. Transaction Processing Rules 13 December

24 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 MasterCard Rules Manual Location Default Intracountry Fees MC Intraregional Fees MC Bilateral Agreement MC Failure of a Principal or Association Customer to Discharge a Settlement Obligation 9.5 MC 8.5 System Liquidity 9.6 MC 8.8 Loss Allocation Among Customers 9.7 MC 8.11 Satisfaction of Minimum Financial Requirements Fees, Assessments, and Other Payment Obligations 9.8 MC MC 3.8 Taxes and Other Charges MC Liability for Owned or Controlled Entities 9.10 MC 8.9 Risk of Loss 9.11 MC December 2013 Transaction Processing Rules

25 Cross-reference B, 13 December June 2013 Maestro Global Rules to 13 December 2013 MasterCard Rules and Transaction Processing Rules. The following cross-reference will help you to understand where rules that appeared in the 14 June 2013 publication of the Maestro Global Rules manual may now be found in the 13 December 2013 publications of the new MasterCard Rules and/or Transaction Processing Rules manuals. Please note that in the Location in 13 December 2013 edition columns: Where MC is indicated under Manual, the Location column shows the number of Rules in the MasterCard Rules manual, and Where TP is indicated under Manual, the Location column shows the chapter number and Rule title of Rules in the Transaction Processing Rules manual. Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 Maestro Global Rules Manual Location Eligibility to be a Customer 1.1 MC 1.1 Interim Participation 1.2 MC 1.5 Special Conditions of Activity or License 1.3 MC 1.4 Participation in Activity 1.4 MC 1.8 Changing Customer Status MC License Not Transferable MC Right to Sponsor Affiliates MC Customer Responsibilities MC Competing Networks Asia/Pacific Region Only Suspension and Amendment of Activity and/or License 1.5 MC MC 1.5 Termination of License 1.7 MC 1.6 Voluntary Termination MC Withdrawing a Cardbase from the Corporation MC 1.10 Termination by the Corporation MC Liabilities and Obligations Following Termination MC Transaction Processing Rules 13 December

26 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 Maestro Global Rules Manual Location The License 2.1 MC 1.6 SEPA Licensing Program Europe Region Only MC Area of Use 2.2 MC 1.7 Extending the Area of Use MC Central Acquiring Europe Region Only MC Transfer of Cards to India Residents is Prohibited without a License MC Merchant Location MC Transaction Location MC MasterCard Anti-Money Laundering Program 2.3 MC 1.2 Responsibility for Transactions 2.4 MC 3.2 Change in Sponsorship 2.5 MC Name Change 2.6 MC Standards 3.1 MC 2.1 Variances MC Failure to Comply with a Standard MC Noncompliance Categories MC Category A Payment System Integrity MC Category B Visible to Customers MC Category C Efficiency and Operational Performance MC Noncompliance Assessments MC 2.14 Certification MC Review Process MC Resolution of Review Request MC Intracountry Transactions MC December 2013 Transaction Processing Rules

27 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 Maestro Global Rules Manual Location Communication of Intracountry Fallback Rules MC Conduct of Activity 3.2 MC 2.2 Obligations of a Sponsor MC Affiliates MC Financial Soundness MC Compliance MC Indemnity and Limitation of Liability 3.3 MC 2.3 Choice of Laws 3.4 MC 2.4 Examination and Audit 3.5 MC 2.5 Non-discrimination 3.6 Deleted; heading only POS Transactions MC 3.5 Terminal Transactions MC 3.6 Provision and Use of Information 3.7 Deleted; heading only Obligation of Customer to Provide Information MC 3.9 Confidential Information of Customers MC 3.10 Use of Corporation Information by a Customer Confidential Information of the Corporation and the Corporation s Affiliates MC MC 3.12 Data Protection Europe Region Only MC 3.13 Quarterly MasterCard Report (QMR) 3.8 MC 3.14 Report Not Received MC Erroneous or Incomplete MC Overpayment Claim MC Transaction Processing Rules 13 December

28 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 Maestro Global Rules Manual Location Transaction Requirements 3.9 MC 3.3 Cooperation 3.10 MC 3.15; also see Security Rules and Procedures, section 5.2 Integrity of Brand and Network 3.11 MC 3.7 Right to Use the Marks 4.1 MC 4.1 Protection and Registration of the Marks MC Registration of a Card Face Design MC Misuse of a Mark MC Requirements for Use of a Mark 4.2 MC 4.2 Review of Solicitations 4.3 MC 4.3 Signage System 4.4 MC 4.4 New and Replacement Signage MC 4.4.1, POS Terminal Signage MC ATM Terminal Signage MC Particular Use of a Mark 4.5 Deleted; heading only Generic Use MC Use of Modifiers MC Use on Stationery MC Use on Non-Licensed Products MC Display on Cards 4.6 MC 4.8 Use of the Maestro Word Mark 4.7 MC See Maestro Word Mark in Definitions Use or Registration of Maestro Terminology MC December 2013 Transaction Processing Rules

29 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 Maestro Global Rules Manual Location Use of Maestro in a Corporate, Business or Domain Name MC Use of Maestro in Text MC Program Names MC Use of the Interlocking Circles Device 4.8 MC 4.5 Use or Registration of Similar Logos, Designs, and Names MC Use of Multiple Brand Marks 4.9 MC 4.6 Use of the Card Design in Merchant Advertising and Signage The Merchant and ATM Owner Agreements 4.10 MC MC 5.1 Verify Bona Fide Business Operation MC Required Merchant Agreement Terms MC Payment Facilitators MC Gambling Merchants MC Required ATM Owner Agreement Terms MC Maintaining Information MC Merchant and Sub-merchant Compliance with the Standards 5.2 MC 5.2 Noncompliance Assessments MC Acquirer Obligations to Merchants 5.3 MC 5.3 Payment for Transactions MC Merchant Materials and Resources MC Information to Merchants European Economic Area Only Additional Obligations Canada Region Only MC MC Use of a Payment Facilitator 5.4 MC 5.4 Transaction Processing Rules 13 December

30 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 Maestro Global Rules Manual Location Responsibility for Payment Facilitator and Sub-merchant Activity MC High-Risk Payment Facilitators MC Payment Facilitator Registration Requirement MC Payment Facilitator Obligations 5.5 MC 5.5 Sub-merchant Screening Procedures MC Sub-merchant Agreement MC Required Sub-merchant Agreement Terms MC Obligations as Sponsor of Sub-merchants MC Merchant Identification and Responsibility for Transactions Merchant and ATM Data in Transaction Messages 5.6 MC MC 5.7 Transaction Currency Information 5.8 MC 5.8 Use of the Marks 5.9 MC 5.9 Display of the Acceptance Marks by Merchants MC 5.9.1, Merchant Advertising and POI Materials MC 5.9.1, Local/Regional Acceptance Brands MC Merchant Obligations for Card Acceptance 5.10 MC 5.10 Honor All Cards MC Obtain an Authorization MC Additional Cardholder Identification MC Discounts or Other Benefits at the Point of Interaction MC Prohibited Practices 5.11 MC 5.11 Discrimination MC Charges to Cardholders MC December 2013 Transaction Processing Rules

31 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 Maestro Global Rules Manual Location Minimum/Maximum Transaction Amounts MC Scrip-dispensing Terminals MC Cardholder Right of Dispute MC Illegal or Brand-damaging Transactions MC Assessments for Merchant Noncompliance MC Submitting Transactions 5.12 Deleted; heading only Valid Transactions MC 5.12 Transaction Records TP 2, Presentment of Transaction Records; 3, Transaction Records Sale or Exchange of Information 5.13 MC 5.13 Eligibility 6.1 Deleted; heading only Eligible Cards MC Eligible Mobile Payment Devices MC 6.1 Gateway Processed Transactions TP 1, Gateway Processing Eligible Accounts MC Ineligible Accounts MC PIN and Signature Requirements 6.2 MC PIN Issuance MC 6.1.2; also see section 4.2, Security Rules and Procedures Transaction Processing Rules 13 December

32 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 Maestro Global Rules Manual Location Use of PIN MC, TP MC Rule 6.1.3; TP 3, ATM Terminal and PIN-based In-Branch Terminal Transactions Chip Cards MC, TP MC Rule 6.1.2; TP 3, ATM Terminal and PIN-based In-Branch Terminal Transactions; also see Card CVM Requirements, Chapter 2, M/Chip Requirements Use of PIN or Signature TP 3, Maestro Cardholder Verification PIN and Signature Requirements Stand-In Processing Service 6.3 TP 2, Stand-In Processing Service Accumulative Transaction Limits and subsections TP 2, Accumulative Transaction Limits Selective Authorization 6.4 MC 6.4 Issuer Responsibilities to Cardholders 6.5 MC 6.2 Limitation of Liability of Cardholders for Unauthorized Use Additional Rules for Issuing Europe and United States Regions Only MC MC Issuer Assurance Plan 6.7 MC December 2013 Transaction Processing Rules

33 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 Maestro Global Rules Manual Location Special Issuer Programs General Requirements 6.8 MC 6.6, Prior Consent of the Corporation MC Reservation of Rights MC Cardholder Communication MC Affinity and Co-Brand (A/CB) Card Programs 6.9 MC 6.7 Compliance with the Standards Deleted; see MC Rules 2.2, 2.1.2, 2.3 Program Approval Deleted; see section 1.5, Card Design Manual; for Europe Region addition, see MC Rule Ownership and Control of A/CB Programs MC Ownership of Receivables MC A/CB Program Communication Standards MC Accept All Cards Without Discrimination Deleted; see MC Rule Prepaid Card Programs 6.10 MC 6.11 Responsibility for the Prepaid Card Program MC Categories of Prepaid Card Programs MC Consumer Prepaid Card Programs MC Commercial Prepaid Card Programs MC Government Prepaid Card Programs MC Return of Unspent Value MC Consumer Prepaid Card Programs MC Transaction Processing Rules 13 December

34 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 Maestro Global Rules Manual Location Commercial Prepaid Card Programs MC Government Prepaid Card Programs MC Value Loading MC Communications and Marketing Materials MC Anti-Money Laundering Deleted; see Summary of Changes Anonymous Prepaid Card Guidelines MC BINs MC Simplified Due Diligence Guidelines MC Chip-only Card Programs Europe Region Only 6.11 MC 6.12 Service Provider Categories 7.1 MC 7.1 Third Party Processor MC Type I MC Type II MC Digital Wallet Operator MC The Program and Performance of Program Service 7.2 MC 7.2 Customer Responsibility and Control MC Notification to the Corporation MC Program Service Agreement MC Disclosure of Standards MC Customer Point of Contact MC Use of the Marks MC Service Provider Identification on a Card MC Program Materials MC Fees MC December 2013 Transaction Processing Rules

35 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 Maestro Global Rules Manual Location Settlement Failure Obligation MC Data Security MC Settlement Account 7.3 MC 7.3 Transfer of Rights Prohibited 7.4 MC 7.4 Use of the Corporation s Systems and Confidential Information 7.5 MC 7.5 Acquiring Programs 7.6 MC 7.6 Merchant Agreement MC Collection of Funds MC Access to Documentation MC Authority to Terminate Merchant Agreement or ATM Owner Agreement MC Issuing Programs 7.7 MC 7.7 Card Application Approval MC Cardholder Agreement MC Program Payments MC Program Receivables MC Registration Requirements for DSEs, ISOs, and Type II TPPs Site Data Protection (SDP) Program Noncompliance Registration Requirements for Type I TPPs Registration Requirements for Staged DWOs Registration of a Service Provider Registration Facilitator Service Provider Registration Noncompliance 7.8 MC MC MC MC MC MC 7.13 Transaction Processing Rules 13 December

36 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 Maestro Global Rules Manual Location Prohibition from Acting as a Service Provider Termination of Program Service Agreement or De-registration Confidential Information of Service Providers 7.13 MC MC MC 7.16 Audits 7.16 MC 7.17 No Endorsement by the Corporation 7.17 MC 7.18 Chapter 8 Security See Cross- Reference Chart Maestro and Cirrus Security-related Rules, Security Rules and Procedures Connecting to the Interchange System 9.1 TP 1, Connecting to the Interchange System Authorization Routing TP 1, Authorization Routing Maestro and Cirrus Transactions Chip Transaction Routing TP 1, Chip Transaction Routing Acquirer Host System Requirements TP 1, Acquirer Host System Requirements POI Terminal Connectivity to the Acquirer Host System ATM Connection to the Interchange System TP 7, POI Terminal Requirements TP 1, ATM Connection to the Interchange System Gateway Processing TP 1, Gateway Processing December 2013 Transaction Processing Rules

37 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 Maestro Global Rules Manual Location POS Terminal Connection to the Interchange System Asia/Pacific Region and Latin America and the Caribbean Region Only TP 1, POS Terminal Connection to the Interchange System Online POS Transaction Types Issuers 9.2 TP 2, Issuer Authorization Requirements Online POS Transaction Types Acquirers 9.3 TP 2, Acquirer Authorization Requirements Optional Online POS Transaction Types TP 2, Acquirer Authorization Requirements; also see specific message and transaction types Offline POS Transaction Types Issuers 9.4 TP 2, Issuer Authorization Requirements Offline POS Transaction Types Acquirers ATM and PIN-based In-Branch Terminal Transaction Types Issuers ATM and PIN-based In-Branch Terminal Transaction Types Acquirers 9.5 TP 2, Acquirer Authorization Requirements 9.6 TP 2, Issuer Authorization Requirements 9.7 TP 2, Acquirer Authorization Requirements Eligible POI Terminals 9.8 TP 7, POI Terminal Eligibility POI Terminal Requirements 9.9 TP 7, POI Terminal Requirements POS Terminals TP 7, POS Terminal Requirements PayPass-only POS Terminals TP 7, Contactlessonly POS Terminals Transaction Processing Rules 13 December

38 Location in 13 December 2013 edition of MasterCard Rules (MC) and/or Transaction Processing Rules (TP) Rule Title Location in 14 June 2013 Maestro Global Rules Manual Location ATMs TP 7, ATM Terminal and PIN-based In-Branch Terminal Requirements; also see section 4.10, Security Rules and Procedures PIN-based In-Branch Terminals TP 7, ATM Terminal and PIN-based In-Branch Terminal Requirements Manual Key-entry of PAN TP 3, Presenting a Maestro Card PIN Entry Device See section 4.10, Security Rules and Procedures Function Keys TP 7, POI Function Keys POI Terminal Responses TP 7, POI Terminal Responses Balance Inquiry TP 2, Balance Inquiries Card Authentication and Processing at POI Terminals TP 7, POI Terminal Requirements Hybrid POI Terminal Requirements 9.10 TP 7, Hybrid POI Terminal Requirements Hybrid POS Terminals TP 7, Hybrid POS Terminal Requirements Technical Fallback See M/Chip Requirements December 2013 Transaction Processing Rules