Transaction Processing Rules

Transaction Processing

Rules

11 June 2024

TPR

Contents

Summary of Changes, 11 June 2024....................................................................................18

Applicability of Rules in this Manual....................................................................................... 23

Chapter 1: Connecting to the Interchange System and Authorization

Routing......................................................................................................................................................25

1.1 Connecting to the Interchange System......................................................................................27

1.2 Authorization Routing—Mastercard POS Transactions........................................................... 27

1.3 Authorization Routing—Maestro, Cirrus, and ATM Transactions............................................28

1.3.1 Routing Instructions and System Maintenance................................................................28

1.3.2 Chip Transaction Routing......................................................................................................28

1.3.3 Domestic Transaction Routing.............................................................................................29

1.4 ATM Terminal Connection to the Interchange System.............................................................29

1.5 Gateway Processing.......................................................................................................................29

1.6 POS Terminal Connection to the Interchange System.............................................................30

Variations and Additions by Region....................................................................................................30

Asia/Pacific Region................................................................................................................................30

1.4 ATM Terminal Connection to the Interchange System....................................................... 30

1.6 POS Terminal Connection to the Interchange System....................................................... 30

Canada Region.......................................................................................................................................31

1.3 Authorization Routing—Maestro, Cirrus, and ATM Transactions...................................... 31

1.3.3 Domestic Transaction Routing.......................................................................................31

1.4 ATM Terminal Connection to the Interchange System....................................................... 31

Europe Region.........................................................................................................................................31

1.1 Connecting to the Interchange System.................................................................................31

1.2 Authorization Routing—Mastercard POS Transactions......................................................32

1.3 Authorization Routing—Maestro, Cirrus, and ATM Transactions...................................... 32

1.3.2 Chip Transaction Routing................................................................................................32

1.3.3 Domestic Transaction Routing.......................................................................................32

1.4 ATM Terminal Connection to the Interchange System—SEPA Only................................. 32

Latin America and the Caribbean Region......................................................................................... 33

1.4 ATM Terminal Connection to the Interchange System....................................................... 33

1.6 POS Terminal Connection to the Interchange System....................................................... 33

United States Region............................................................................................................................ 33

1.1 Connecting to the Interchange System.................................................................................33

1.3 Authorization Routing—Maestro, Cirrus, and ATM Transactions...................................... 33

1.3.1 Routing Instructions and System Maintenance.......................................................... 33

1.3.3 Domestic Transaction Routing.......................................................................................34

Contents

Transaction Processing Rules • 11 June 2024

1.4 ATM Terminal Connection to the Interchange System....................................................... 34

Additional U.S. Region and U.S. Territory Rules................................................................................34

1.3 Authorization Routing—Maestro, Cirrus, and ATM Transactions...................................... 35

Chapter 2: Authorization and Clearing Requirements............................................... 36

2.1 Acquirer Authorization Requirements......................................................................................... 40

2.1.1 Acquirer Host System Requirements..................................................................................41

2.2 Issuer Authorization Requirements..............................................................................................41

2.2.1 Issuer Host System Requirements...................................................................................... 43

2.2.2 Stand-In Processing Service.................................................................................................43

Accumulative Transaction Limits.............................................................................................44

Chip Cryptogram Validation in Stand-In................................................................................44

2.2.3 ATM Transaction Requirements for Mastercard Credit Card Issuers............................44

2.3 Authorization Responses............................................................................................................... 45

2.4 Performance Standards................................................................................................................ 45

2.4.1 Performance Standards—Acquirer Requirements............................................................45

2.4.2 Performance Standards—Issuer Requirements................................................................46

Issuer Failure Rate (Substandard Level 1)............................................................................. 46

Issuer Failure Rate (Substandard Level 2)............................................................................. 46

Calculation of the Issuer Failure Rate.....................................................................................46

2.5 Preauthorizations............................................................................................................................46

2.5.1 Preauthorizations - Mastercard POS Transactions......................................................... 46

2.5.2 Preauthorizations - Maestro POS Transactions............................................................... 47

2.5.3 Preauthorizations - ATM and Manual Cash Disbursement Transactions.....................47

2.6 Undefined Authorizations..............................................................................................................48

2.7 Final Authorizations........................................................................................................................48

2.8 Message Reason Code 4808 Chargeback Protection Period..................................................49

2.9 Multiple Authorizations..................................................................................................................49

2.10 Multiple Clearing or Completion Messages..............................................................................51

2.10.1 Mastercard and Debit Mastercard Transactions........................................................... 51

2.10.2 Maestro Transactions..........................................................................................................52

2.11 Full and Partial Reversals............................................................................................................ 52

2.11.1 Full and Partial Reversals - Acquirer Requirements.......................................................52

2.11.2 Full and Partial Reversals - Issuer Requirements............................................................53

2.11.3 Reversal for Conversion of Approval to Decline..............................................................54

2.11.4 Reversal to Cancel Transaction......................................................................................... 55

2.12 Full and Partial Approvals .......................................................................................................... 55

2.13 Refund Transactions and Corrections.......................................................................................57

2.13.1 Refund Transactions - Acquirer Requirements............................................................... 58

2.13.2 Refund Transactions - Issuer Requirements....................................................................59

2.14 Balance Inquiries...........................................................................................................................60

2.15 CVC 2 Verification for POS Transactions.................................................................................60

Contents

Transaction Processing Rules • 11 June 2024

2.16 CVC 3 Verification for Maestro Magnetic Stripe Mode Contactless Transactions—

Brazil Only...............................................................................................................................................61

2.17 Euro Conversion—Europe Region Only...................................................................................... 61

2.18 Transaction Queries, Disputes, and Errors...............................................................................61

2.18.1 Compliance with Dispute Procedures.............................................................................. 61

2.19 Chargebacks for Reissued Cards............................................................................................... 61

2.20 Correction of Errors......................................................................................................................61

2.21 Merchant Payment Gateway Identifier (MPG ID)..................................................................62

2.22 Co-badged Cards - Acceptance Brand Identifier....................................................................62

Variations and Additions by Region....................................................................................................63

Asia/Pacific Region................................................................................................................................63

2.1 Acquirer Authorization Requirements....................................................................................63

2.1.1 Acquirer Host System Requirements............................................................................ 63

2.2 Issuer Authorization Requirements........................................................................................ 64

2.2.1 Issuer Host System Requirements.................................................................................64

2.3 Authorization Responses.................................................................................................... 64

2.5 Preauthorizations......................................................................................................................64

2.5.1 Preauthorizations - Mastercard POS Transactions....................................................65

2.5.2 Preauthorizations—Maestro POS Transactions.......................................................... 65

2.7 Final Authorization....................................................................................................................65

2.8 Message Reason Code 4808 Chargeback Protection Period............................................ 65

2.11.1 Full and Partial Reversals—Acquirer Requirements........................................................66

2.12 Full and Partial Approvals......................................................................................................66

2.13 Refund Transactions and Corrections .................................................................................66

2.13.1 Refund Transactions - Acquirer Requirements..........................................................66

Canada Region.......................................................................................................................................67

2.1 Acquirer Authorization Requirements....................................................................................67

2.1.1 Acquirer Host System Requirements............................................................................ 67

2.2 Issuer Authorization Requirements........................................................................................ 67

2.12 Full and Partial Approvals......................................................................................................68

2.13 Refund Transactions and Corrections................................................................................. 68

2.13.1 Refund Transactions - Acquirer Requirements..........................................................68

Europe Region.........................................................................................................................................68

2.1 Acquirer Authorization Requirements....................................................................................68

2.2 Issuer Authorization Requirements ....................................................................................... 70

2.2.2 Stand-In Processing Service........................................................................................... 71

2.2.3 ATM Transaction Requirements for Mastercard Credit Card Issuers...................... 71

2.3 Authorization Responses..........................................................................................................71

2.4 Performance Standards...........................................................................................................72

2.4.2 Performance Standards—Issuer Requirements...........................................................72

2.5 Preauthorizations......................................................................................................................72

2.5.2 Preauthorizations—Maestro POS Transactions.......................................................... 72

2.5.3 Preauthorizations—ATM and Manual Cash Disbursement Transactions................73

Contents

Transaction Processing Rules • 11 June 2024

2.7 Final Authorizations..................................................................................................................74

2.8 Message Reason Code 4808 Chargeback Protection Period............................................ 74

2.9 Multiple Authorizations............................................................................................................ 75

2.11 Full and Partial Reversals.......................................................................................................75

2.11.1 Full and Partial Reversals - Acquirer Requirements..................................................75

2.11.2 Full and Partial Reversals—Issuer Requirements.......................................................76

2.12 Full and Partial Approvals......................................................................................................76

2.13 Refund Transactions and Corrections................................................................................. 77

2.13.1 Refund Transactions—Acquirer Requirements.......................................................... 77

2.13.2 Refund Transactions—Issuer Requirements...............................................................77

2.14 Balance Inquiries......................................................................................................................77

2.15 CVC 2 Verification for POS Transactions............................................................................77

2.17 Euro Conversion.......................................................................................................................78

2.22 Co-badged Cards - Acceptance Brand Identifier.............................................................. 78

Latin America and the Caribbean Region......................................................................................... 79

2.2 Issuer Authorization Requirements........................................................................................ 79

2.2.1 Issuer Host System Requirements.................................................................................79

2.5 Preauthorizations......................................................................................................................79

2.5.2 Preauthorizations - Maestro POS Transactions..........................................................79

2.9 Multiple Authorizations............................................................................................................ 79

2.10 Multiple Clearing or Multiple Completion Messages.........................................................81

2.10.2 Maestro Transactions....................................................................................................81

2.16 CVC 3 Verification for Maestro Magnetic Stripe Mode Contactless—Brazil Only.......83

Middle East/Africa Region....................................................................................................................83

2.1 Acquirer Authorization Requirements ...................................................................................83

2.7 Final Authorizations .................................................................................................................83

2.12 Full and Partial Approvals......................................................................................................83

2.21 Merchant Payment Gateway Identifier (MPG ID).............................................................83

United States Region............................................................................................................................ 83

2.1 Acquirer Authorization Requirements....................................................................................84

2.1.1 Acquirer Host System Requirements............................................................................ 84

2.2 Issuer Authorization Requirements........................................................................................ 84

2.2.1 Issuer Host System Requirements.................................................................................84

2.2.2 Stand-In Processing Service........................................................................................... 84

2.4 Performance Standards...........................................................................................................86

2.4.2 Performance Standards—Issuer Requirements...........................................................86

2.5 Preauthorizations......................................................................................................................86

2.5.2 Preauthorizations—Maestro POS Transactions.......................................................... 86

2.11 Full and Partial Reversals.......................................................................................................87

2.11.1 Full and Partial Reversals—Acquirer Requirements.................................................. 87

2.11.2 Full and Partial Reversals—Issuer Requirements.......................................................87

2.13 Refund Transactions and Corrections................................................................................. 87

2.13.1 Refund Transactions - Acquirer Requirements..........................................................87

Contents

Transaction Processing Rules • 11 June 2024

2.14 Balance Inquiries......................................................................................................................87

2.18 Transaction Queries, Disputes, and Errors .........................................................................87

Additional U.S. Region and U.S. Territory Rules................................................................................87

2.2 Issuer Authorization Requirements........................................................................................ 88

2.2.2 Stand-In Processing Service........................................................................................... 88

2.5 Preauthorizations......................................................................................................................88

2.5.2 Preauthorizations—Maestro POS Transactions.......................................................... 88

2.9 Multiple Authorizations............................................................................................................ 88

2.10 Multiple Clearing and Multiple Completion Messages......................................................90

2.10.2 Maestro Transactions....................................................................................................90

Chapter 3: Acceptance Procedures.........................................................................................93

3.1 Card-Present Transactions............................................................................................................96

3.1.1 Mastercard Card Acceptance Procedures......................................................................... 96

Suspicious Cards.........................................................................................................................96

3.1.2 Maestro Card Acceptance Procedures............................................................................... 97

3.2 Card-Not-Present Transactions................................................................................................... 97

3.3 Obtaining an Authorization...........................................................................................................97

3.3.1 Mastercard POS Transaction Authorization Procedures................................................ 97

Authorization of Lodging, Cruise Line, and Vehicle Rental Transactions.......................... 98

Authorization When the Cardholder Adds a Gratuity..........................................................99

Card-Not-Present Transaction Declines.................................................................................99

Use of Card Validation Code (CVC) 2...................................................................................100

Capture Card Response.......................................................................................................... 100

3.3.2 Maestro POS Transaction Authorization Procedures....................................................100

3.4 Mastercard Cardholder Verification Requirements................................................................100

CVM Not Required for Refund Transactions.............................................................................102

Use of PIN for Mastercard Magnetic Stripe Transactions......................................................102

3.5 Maestro Cardholder Verification Requirements......................................................................102

3.6 Use of a PIN for Transactions at ATM Terminals and Bank Branch Terminals...................103

3.7 Use of a Consumer Device CVM................................................................................................ 103

3.8 POI Currency Conversion.............................................................................................................104

3.8.1 Cardholder Disclosure Requirements............................................................................... 105

3.8.2 Cardholder Disclosure - Transaction Receipt Information............................................106

3.8.3 Priority Check-Out...............................................................................................................106

3.8.4 Transaction Processing Requirements............................................................................. 106

3.9 Multiple Transactions—Mastercard POS Transactions Only.................................................107

3.10 Partial Payment—Mastercard POS Transactions Only........................................................107

3.11 Specific Terms of a Transaction...............................................................................................108

3.11.1 Specific Terms of an E-commerce Transaction............................................................108

3.12 Charges for Loss, Theft, or Damage—Mastercard POS Transactions Only.....................108

3.13 Transaction Receipts..................................................................................................................109

Contents

Transaction Processing Rules • 11 June 2024

3.13.1 POS and Mastercard Manual Cash Disbursement Transaction Receipt

Requirements..................................................................................................................................110

3.13.2 ATM and Bank Branch Terminal Transaction Receipt Requirements........................111

3.13.3 Primary Account Number (PAN) Truncation and Expiration Date Omission..........112

3.13.4 Prohibited Information.....................................................................................................112

3.13.5 Standard Wording for Formsets.................................................................................... 113

3.14 Returned Products and Canceled Services............................................................................113

3.14.1 Refund Transactions......................................................................................................... 114

3.15 Transaction Records...................................................................................................................115

3.15.1 Transaction Presentment Time Frames........................................................................ 115

3.15.2 Retention of Transaction Records...................................................................................116

Variations and Additions by Region..................................................................................................116

Asia/Pacific Region............................................................................................................................. 116

3.14 Returned Products and Canceled Services.......................................................................116

3.14.1 Refund Transactions....................................................................................................116

3.15 Transaction Records............................................................................................................. 116

3.15.1 Transaction Presentment Time Frames...................................................................117

Canada Region.....................................................................................................................................117

3.3 Obtaining an Authorization...................................................................................................117

3.3.1 Mastercard POS Transaction Authorization Procedures.........................................117

Europe Region......................................................................................................................................117

3.1 Card-Present Transactions....................................................................................................117

3.1.1 Mastercard Card Acceptance Procedures..................................................................117

3.2 Card-Not-Present Transactions........................................................................................... 117

3.3 Obtaining an Authorization...................................................................................................118

3.3.1 Mastercard POS Transaction Authorization Procedures.........................................118

Authorization of Lodging, Cruise Line, and Vehicle Rental Transactions.................. 118

Authorization When the Cardholder Adds a Gratuity..................................................118

3.3.2 Maestro POS Transaction Authorization Procedures.............................................. 118

3.5 Maestro Cardholder Verification Requirements................................................................119

3.8 POI Currency Conversion....................................................................................................... 119

3.13 Transaction Receipts............................................................................................................ 119

3.13.1 POS and Mastercard Manual Cash Disbursement Transaction Receipt

Requirements............................................................................................................................120

3.13.3 Primary Account Number (PAN) Truncation and Expiration Date Omission.... 121

3.14 Returned Products and Canceled Services.......................................................................121

3.14.1 Refund Transactions....................................................................................................121

Latin America and the Caribbean Region.......................................................................................122

3.4 Mastercard Cardholder Verification Requirements.......................................................... 122

3.5 Maestro Cardholder Verification Requirements................................................................122

Middle East/Africa Region................................................................................................................. 122

3.14 Returned Products and Canceled Services.......................................................................122

3.14.1 Refund Transactions....................................................................................................122

Contents

Transaction Processing Rules • 11 June 2024

United States Region..........................................................................................................................123

3.3 Obtaining an Authorization...................................................................................................123

3.3.1 Mastercard POS Transaction Authorization Procedures.........................................123

3.5 Maestro Cardholder Verification Requirements................................................................123

Additional U.S. Region and U.S. Territory Rules............................................................................. 124

3.14 Returned Products and Canceled Services.......................................................................124

3.14.1 Refund Transactions....................................................................................................124

Chapter 4: Card-Present Transactions...............................................................................125

4.1 Chip Transactions at Hybrid Terminals..................................................................................... 129

4.2 Offline Transactions Performed on Board Planes, Trains, and Ships.................................. 129

4.3 No-CVM Magnetic Stripe and Contact Chip Maestro POS Transactions—Europe

Region Only...........................................................................................................................................130

4.4 Contactless Transactions at POS Terminals............................................................................131

4.5 Contactless Transit Transactions...............................................................................................131

4.5.1 Mastercard Contactless Transit Aggregated Transactions..........................................131

4.5.2 Maestro Contactless Transit Aggregated Transactions............................................... 132

4.6 Contactless Transactions at ATM Terminals............................................................................133

4.7 Contactless-only Acceptance.....................................................................................................133

4.8 Mastercard Consumer-Presented QR Transactions at POS Terminals...............................134

4.9 Purchase with Cash Back Transactions....................................................................................135

4.10 Transactions at Unattended POS Terminals.........................................................................136

4.10.1 Automated Fuel Dispenser Transactions...................................................................... 137

4.10.2 Electric Vehicle Charging Transactions..........................................................................138

4.11 PIN-based Debit Transactions—United States Region Only...............................................139

4.12 PIN-less Single Message Transactions—United States Region Only................................. 139

4.13 Merchant-approved Maestro POS Transactions.................................................................. 139

4.14 Mastercard Manual Cash Disbursement Transactions........................................................140

4.14.1 Non-discrimination Regarding Cash Disbursement Services.................................... 140

4.14.2 Maximum Cash Disbursement Amounts...................................................................... 140

4.14.3 Discount or Service Charges............................................................................................141

4.14.4 Mastercard Acceptance Mark Must Be Displayed.......................................................141

4.15 Encashment of Mastercard Travelers Cheques.................................................................... 141

4.16 ATM Transactions.......................................................................................................................142

4.16.1 “Chained” Transactions....................................................................................................142

4.16.2 ATM Transaction Branding...............................................................................................142

4.17 ATM Access Fees.........................................................................................................................142

4.17.1 ATM Access Fees - Domestic Transactions...................................................................142

4.17.2 ATM Access Fees - Cross-border Transactions.............................................................143

4.17.3 ATM Access Fee Requirements........................................................................................143

Transaction Field Specifications for ATM Access Fees.......................................................143

Non-discrimination Regarding ATM Access Fees................................................................143

Contents

Transaction Processing Rules • 11 June 2024

Notification of ATM Access Fee............................................................................................. 143

Cancellation of Transaction....................................................................................................143

Sponsor Approval of Proposed Signage, Screen Display, and Receipt............................143

ATM Terminal Signage.............................................................................................................144

ATM Terminal Screen Display................................................................................................. 144

ATM Transaction Receipts.......................................................................................................144

4.18 Merchandise Transactions at ATM Terminals........................................................................145

4.18.1 Approved Merchandise Categories................................................................................ 145

4.18.2 Screen Display Requirement for Merchandise Categories.........................................146

4.19 Shared Deposits—United States Region Only.......................................................................146

Variations and Additions by Region..................................................................................................147

Asia/Pacific Region............................................................................................................................. 147

4.1 Chip Transactions at Hybrid Terminals................................................................................147

4.5 Contactless Transit Transactions.........................................................................................147

4.5.1 Mastercard Contactless Transit Aggregated Transactions.................................... 147

4.9 Purchase with Cash Back Transactions...............................................................................147

4.10 Transactions at Unattended POS Terminals....................................................................148

4.10.1 Automated Fuel Dispenser Transactions.................................................................148

4.17 ATM Access Fees...................................................................................................................148

4.17.1 ATM Access Fees—Domestic Transactions..............................................................148

Canada Region.....................................................................................................................................149

4.9 Purchase with Cash Back Transactions...............................................................................149

4.10 Transactions at Unattended POS Terminals....................................................................149

4.10.1 Automated Fuel Dispenser Transactions.................................................................149

4.17 ATM Access Fees...................................................................................................................149

4.17.1 ATM Access Fees—Domestic Transactions..............................................................149

Europe Region......................................................................................................................................150

4.1 Chip Transactions at Hybrid Terminals................................................................................150

4.2 Offline Transactions Performed on Board Planes, Trains, and Ships............................. 150

4.3 No-CVM Magnetic Stripe and Contact Chip Maestro POS Transactions.....................150

4.4 Contactless Transactions at POS Terminals...................................................................... 151

4.5 Contactless Transit Aggregated Transactions...................................................................152

4.5.1 Mastercard Contactless Transit Aggregated Transactions.................................... 152

4.5.2 Maestro Contactless Transit Aggregated Transactions..........................................152

4.9 Purchase with Cash Back Transactions...............................................................................153

4.10 Transactions at Unattended POS Terminals....................................................................157

4.10.1 Automated Fuel Dispenser Transactions.................................................................158

4.13 Merchant-approved Maestro POS Transactions.............................................................158

4.14 Mastercard Manual Cash Disbursement Transactions.................................................. 159

4.14.2 Maximum Cash Disbursement Amounts.................................................................159

4.17 ATM Access Fees...................................................................................................................159

4.17.1 ATM Access Fees - Domestic Transactions..............................................................159

4.18 Merchandise Transactions at ATM Terminals...................................................................159

Contents

Transaction Processing Rules • 11 June 2024

4.18.1 Approved Merchandise Categories...........................................................................159

Latin America and the Caribbean Region.......................................................................................160

4.4 Contactless Transactions at POS Terminals...................................................................... 160

4.5 Contactless Transit Aggregated Transactions...................................................................160

4.5.2 Maestro Contactless Transit Aggregated Transactions..........................................160

4.9 Purchase with Cash Back Transactions...............................................................................160

4.17 ATM Access Fees...................................................................................................................162

4.17.1 ATM Access Fees—Domestic Transactions..............................................................162

Middle East/Africa Region................................................................................................................. 163

4.9 Purchase with Cash Back Transactions...............................................................................163

United States Region..........................................................................................................................163

4.1 Chip Transactions at Hybrid Terminals................................................................................163

4.5 Contactless Transit Transactions.........................................................................................164

4.5.1 Mastercard Contactless Transit Aggregated Transactions.................................... 164

4.5.2 Maestro Contactless Transit Aggregated Transactions..........................................165

4.9 Purchase with Cash Back Transactions...............................................................................165

4.10 Transactions at Unattended POS Terminals....................................................................166

4.10.1 Automated Fuel Dispenser Transactions.................................................................166

4.11 PIN-based Debit Transactions............................................................................................166

4.12 PIN-less Single Message Transactions.............................................................................. 166

4.14 Mastercard Manual Cash Disbursement Transactions.................................................. 167

4.14.2 Maximum Cash Disbursement Amounts.................................................................167

4.14.3 Discount or Service Charges......................................................................................167

4.17 ATM Access Fees...................................................................................................................168

4.17.1 ATM Access Fees—Domestic Transactions..............................................................168

4.18 Merchandise Transactions at ATM Terminals...................................................................168

4.18.1 Approved Merchandise Categories...........................................................................168

4.19 Shared Deposits....................................................................................................................168

4.19.1 Non-discrimination Regarding Shared Deposits.................................................... 168

4.19.2 Terminal Signs and Notices........................................................................................169

4.19.3 Maximum Shared Deposit Amount.......................................................................... 169

4.19.4 Deposit Verification.....................................................................................................169

4.19.5 ATM Terminal Clearing and Deposit Processing.....................................................170

4.19.6 Shared Deposits in Excess of USD 10,000.............................................................. 170

4.19.7 Notice of Return...........................................................................................................170

4.19.8 Liability for Shared Deposits......................................................................................170

Chapter 5: Card-Not-Present Transactions....................................................................172

5.1 Electronic Commerce Transactions...........................................................................................175

5.1.1 Acquirer and Merchant Requirements............................................................................. 175

5.1.2 Issuer Requirements............................................................................................................177

5.1.3 Use of Static AAV for Card-not-present Transactions..................................................178

Contents

Transaction Processing Rules • 11 June 2024

5.1.4 Debit Small-Ticket Digital Transaction Program: Brazil Only...................................... 178

5.2 Mail Order and Telephone Order (MO/TO) Transactions...................................................... 178

5.3 Credential-on-File Transactions.................................................................................................179

5.4 Recurring Payment Transactions...............................................................................................180

5.4.1 Subscription Billing Merchants..........................................................................................183

5.4.1.1 Applicability of Standards.........................................................................................184

5.4.2 Negative Option Billing Merchants...................................................................................184

5.4.3 China Domestic Recurring Payment Transactions ........................................................186

5.5 Installment Billing.........................................................................................................................186

5.5.1 Single-Authorization Installment Billing.......................................................................... 187

5.5.1.1 Definitions....................................................................................................................187

5.5.1.2 Transaction Processing Procedures......................................................................... 187

5.5.2 Multiple-Authorization Installment Billing.......................................................................188

5.6 Transit Transactions Performed for Debt Recovery............................................................... 190

5.6.1 Transit First Ride Risk Framework.................................................................................... 191

5.7 Use of Automatic Billing Updater..............................................................................................193

5.8 Authentication Requirements—Europe Region Only.............................................................. 194

5.9 Merchant-initiated Transactions................................................................................................194

5.10 Mastercard Micropayment Solution—United States Region Only.....................................195

Variations and Additions by Region..................................................................................................196

Asia/Pacific Region............................................................................................................................. 196

5.1 Electronic Commerce Transactions......................................................................................196

5.1.1 Acquirer and Merchant Requirements........................................................................197

5.1.2 Issuer Requirements.......................................................................................................197

5.2 Mail Order and Telephone Order (MO/TO) Transactions.................................................197

5.3 Credential-on-File Transactions........................................................................................... 198

5.4 Credential-on-File Transactions........................................................................................... 199

5.4.2 China Domestic Recurring Payment Transactions...................................................199

5.4.2.1 Transaction Requirements for Acquirers .......................................................... 199

5.4.2.2 Transaction Requirement for Issuers..................................................................201

5.5 Installment Billing....................................................................................................................202

5.5.1 Single-Authorization Installment Billing.....................................................................202

5.5.1.2 Transaction Processing Procedures....................................................................202

5.7 Use of Automatic Billing Updater.........................................................................................202

5.9 Merchant-initiated Transactions..........................................................................................202

Canada Region.....................................................................................................................................202

5.7 Use of Automatic Billing Updater.........................................................................................202

Europe Region......................................................................................................................................202

5.1 Electronic Commerce Transactions......................................................................................202

5.1.1 Acquirer and Merchant Requirements........................................................................203

5.1.2 Issuer Requirements.......................................................................................................204

5.1.3 Use of Static AAV for Card-not-present Transactions............................................205

5.2 Mail Order and Telephone Order (MO/TO) Maestro Transactions.................................205

Contents

Transaction Processing Rules • 11 June 2024

5.2.1 Definitions....................................................................................................................... 205

5.2.2 Intracountry Maestro MO/TO Transactions—Cardholder Authority.....................206

5.2.3 Intracountry Maestro MO/TO Transactions—Transactions Per Cardholder

Authority....................................................................................................................................206

5.2.4 Intracountry Maestro MO/TO Transactions—CVC 2/AVS Checks.........................206

5.3 Credential-on-File Transactions........................................................................................... 207

5.4 Recurring Payment Transactions..........................................................................................207

5.5 Installment Billing ...................................................................................................................209

5.5.1 Single-Authorization Installment Billing.....................................................................220

5.5.1.2 Transaction Processing Procedures....................................................................220

5.5.2 Multiple-Authorization Installment Billing................................................................. 220

5.6 Transit Transactions Performed for Debt Recovery..........................................................221

5.7 Use of Automatic Billing Updater.........................................................................................221

5.7.1 Issuer Requirements.......................................................................................................221

5.7.2 Acquirer Requirements..................................................................................................222

5.8 Authentication Requirements...............................................................................................223

5.8.1 Acquirer Requirements..................................................................................................223

5.8.2 Issuer Requirements.......................................................................................................224

5.9 Merchant-initiated Transactions..........................................................................................224

Latin America and the Caribbean Region.......................................................................................226

5.1 Electronic Commerce Transactions......................................................................................226

5.1.1 Acquirer and Merchant Requirements........................................................................226

5.1.2 Issuer Requirements.......................................................................................................226

5.1.4 Debit Small-Ticket Digital Transaction Program: Brazil Only.................................227

5.7 Use of Automatic Billing Updater.........................................................................................228

Middle East/Africa Region................................................................................................................. 228

5.1 Electronic Commerce Transactions......................................................................................228

5.1.1 Acquirer and Merchant Requirements........................................................................229

5.1.2 Issuer Requirements.......................................................................................................229

5.7 Use of Automatic Billing Updater.........................................................................................229

United States Region..........................................................................................................................229

5.7 Use of Automatic Billing Updater.........................................................................................229

5.10 Mastercard Micropayment Solution..................................................................................229

Additional U.S. Region and U.S. Territory Rules............................................................................. 230

5.1 Electronic Commerce Transactions .....................................................................................230

5.1.1 Acquirer and Merchant Requirements........................................................................230

5.1.2 Issuer Requirements.......................................................................................................231

Chapter 6: Payment Transactions and Funding Transactions.............................232

6.1 Payment Transactions.................................................................................................................234

6.1.1 Payment Transactions—Acquirer and Merchant Requirements.................................. 234

6.1.2 Payment Transactions—Issuer Requirements.................................................................235

Contents

Transaction Processing Rules • 11 June 2024

6.2 Gaming Payment Transactions..................................................................................................236

6.3 MoneySend Payment Transactions...........................................................................................236

6.4 China Deposit Transactions – China Only................................................................................ 236

6.5 China Funds Transfer Transactions – China Only................................................................... 236

6.6 Funding Transactions...................................................................................................................237

Variations and Additions by Region..................................................................................................237

Asia/Pacific Region............................................................................................................................. 237

6.4 China Deposit Transactions – China Only...........................................................................237

6.4.1 Non-discrimination Regarding Maximum Transaction Amount Limit...................238

6.4.2 ATM Access Fee.............................................................................................................. 238

6.4.3 Account Verification.......................................................................................................238

6.4.4 Failed Transaction..........................................................................................................238

6.5 China Funds Transfer Transactions – China Only..............................................................238

6.5.1 China Funds Transfer Transaction Terms...................................................................238

6.5.2 Non-discrimination Regarding Maximum Amount Limit.........................................239

6.5.3 ATM Access Fee.............................................................................................................. 239

6.5.4 Account Verification.......................................................................................................239

6.5.5 Funds Availability............................................................................................................239

Europe Region......................................................................................................................................240

6.1 Payment Transactions............................................................................................................240

6.1.1 Payment Transactions—Acquirer and Merchant Requirements.............................240

6.1.2 Payment Transactions—Issuer Requirements........................................................... 240

6.2 Gaming Payment Transactions............................................................................................ 241

6.3 MoneySend Payment Transactions......................................................................................241

Middle East/Africa Region................................................................................................................. 241

6.2 Gaming Payment Transactions............................................................................................ 241

United States Region..........................................................................................................................243

6.2 Gaming Payment Transactions............................................................................................ 243

Chapter 7: Terminal Requirements.......................................................................................244

7.1 Terminal Eligibility.........................................................................................................................246

7.2 Terminal Requirements................................................................................................................246

7.2.1 Terminal Function Keys for PIN Entry...............................................................................247

7.2.2 Terminal Responses.............................................................................................................248

7.2.3 Terminal Transaction Log................................................................................................... 248

7.2.4 Contactless-enabled Terminals and Contactless Reader Requirements...................248

7.3 POS Terminal Requirements.......................................................................................................249

7.3.1 Contactless–enabled POS Terminals...............................................................................249

7.3.2 Contactless-only POS Terminals.......................................................................................250

7.4 Mobile POS (MPOS) Terminal Requirements.......................................................................... 250

7.5 ATM Terminal and Bank Branch Terminal Requirements.......................................................252

7.5.1 ATM Terminals......................................................................................................................253

Contents

Transaction Processing Rules • 11 June 2024

7.5.2 Bank Branch Terminals....................................................................................................... 253

7.5.3 Contactless-enabled ATM and Bank Branch Terminals................................................ 253

7.6 Hybrid Terminal Requirements...................................................................................................254

7.6.1 Hybrid POS Terminal Requirements.................................................................................254

Hybrid POS Terminal and Chip-only MPOS Terminal Displays.........................................255

7.6.2 Hybrid ATM Terminal and Bank Branch Terminal Requirements................................. 255

7.7 Mastercard Consumer-Presented QR Functionality.............................................................. 256

Variations and Additions by Region..................................................................................................257

Asia/Pacific Region............................................................................................................................. 257

7.2 Terminal Requirements...........................................................................................................257

7.3 POS Terminal Requirements................................................................................................. 257

7.3.1 Contactless-enabled POS Terminals.......................................................................... 258

7.4 Mobile POS (MPOS) Terminal Requirements.....................................................................258

7.5 ATM Terminal and Bank Branch Terminal Requirements................................................. 259

7.6 Hybrid Terminal Requirements..............................................................................................259

7.6.1 Hybrid POS Terminal Requirements............................................................................259

Canada Region.....................................................................................................................................260

7.3 POS Terminal Requirements................................................................................................. 260

7.3.1 Contactless–enabled POS Terminals..........................................................................260

7.4 Mobile POS (MPOS) Terminal Requirements.....................................................................260

7.5 ATM Terminal and Bank Branch Terminal Requirements................................................. 260

7.5.3 Contactless-enabled ATM and Bank Branch Terminals...........................................261

7.7 Mastercard Consumer-Presented QR-enabled POS Terminals...................................... 261

Europe Region......................................................................................................................................261

7.1 Terminal Eligibility................................................................................................................... 261

7.2 Terminal Requirements...........................................................................................................261

7.2.4 Contactless-enabled Terminals and Contactless Reader Requirements..............261

7.3 POS Terminal Requirements................................................................................................. 262

7.3.1 Contactless-enabled POS Terminals.......................................................................... 262

7.4 Mobile POS (MPOS) Terminal Requirements.....................................................................264

7.5 ATM Terminal and Bank Branch Terminal Requirements................................................. 264

7.5.2 Bank Branch Terminals..................................................................................................264

7.5.3 Contactless-enabled ATM and Bank Branch Terminals...........................................265

7.6 Hybrid Terminal Requirements..............................................................................................265

7.6.1 Hybrid POS Terminal Requirements............................................................................265

7.6.2 Hybrid ATM Terminal and Bank Branch Terminal Requirements............................266

Latin America and the Caribbean Region.......................................................................................267

7.3 POS Terminal Requirements................................................................................................. 267

7.3.1 Contactless–enabled POS Terminals..........................................................................267

7.6 Hybrid Terminal Requirements..............................................................................................268

Middle East/Africa Region................................................................................................................. 268

7.3 POS Terminal Requirements................................................................................................. 268

7.3.1 Contactless-enabled POS Terminals.......................................................................... 268

Contents

Transaction Processing Rules • 11 June 2024

7.6 Hybrid Terminal Requirements..............................................................................................269

7.6.1 Hybrid POS Terminal Requirements............................................................................269

United States Region..........................................................................................................................269

7.3 POS Terminal Requirements................................................................................................. 269

7.3.1 Contactless–enabled POS Terminals..........................................................................269

7.4 Mobile POS (MPOS) Terminal Requirements.....................................................................270

7.5 ATM Terminal and Bank Branch Terminal Requirements................................................. 270

7.6 Hybrid Terminal Requirements..............................................................................................270

7.7 Mastercard Consumer-Presented QR-enabled POS Terminals...................................... 270

Additional U.S. Region and U.S. Territory Rules............................................................................. 271

7.6 Hybrid Terminal Requirements..............................................................................................271

7.6.1 Hybrid POS Terminal Requirements............................................................................271

Hybrid POS Terminal and Chip-only MPOS Terminal Displays....................................271

Appendix A: Geographic Regions............................................................................................272

Asia/Pacific Region............................................................................................................................. 273

Canada Region.....................................................................................................................................274

Europe Region......................................................................................................................................274

Single European Payments Area (SEPA)...................................................................................275

Non-Single European Payments Area (Non-SEPA)................................................................. 275

Latin America and the Caribbean Region.......................................................................................276

Middle East/Africa Region................................................................................................................. 277

United States Region..........................................................................................................................278

Appendix B: Compliance Zones............................................................................................... 279

Compliance Zones...............................................................................................................................280

Appendix C: Transaction Identification Requirements............................................. 285

Transaction Date.................................................................................................................................286

Contactless Transactions...................................................................................................................286

Contactless Transit Aggregated Transactions......................................................................... 288

Contactless-only Transactions.................................................................................................... 290

Payment Transactions........................................................................................................................292

Electronic Commerce Transactions..................................................................................................294

Digital Secure Remote Payment Transactions...............................................................................296

Digital Secure Remote Payment Transactions Containing Chip Data.................................296

Digital Secure Remote Payment Transactions Containing Digital Payment Data............298

Merchant-initiated Transactions following Digital Secure Remote Payment

Transactions....................................................................................................................................300

Mastercard Biometric Card Program Transactions.......................................................................301

Transaction Type Identifier (TTI).......................................................................................................302

Contents

Transaction Processing Rules • 11 June 2024

Merchant Country of Origin.............................................................................................................. 302

China Deposit Transactions...............................................................................................................302

China Funds Transfer Transactions..................................................................................................303

Cardholder-initiated Transactions (CITs)........................................................................................305

Merchant-initiated Transactions (MITs)..........................................................................................306

Appendix D: Cardholder-Activated Terminal (CAT) Transactions..................... 310

CAT Transactions.................................................................................................................................311

CAT Level Requirements.....................................................................................................................311

Dual Capability for CAT 1 and CAT 2......................................................................................... 312

CAT Level 1: Automated Dispensing Machines (CAT 1)..........................................................312

CAT Level 2: Self-Service Terminal (CAT 2)...............................................................................313

CAT Level 3: Limited Amount Terminals (CAT 3)......................................................................314

CAT Level 4: In-Flight Commerce (IFC) Terminals (CAT 4).....................................................315

CAT Level 6: Electronic Commerce Transactions (CAT 6).......................................................318

CAT Level 7: Transponder Transactions (CAT 7).......................................................................318

CAT Level 9: Mobile POS (MPOS) Acceptance Device Transactions (CAT 9)......................319

Appendix E: CVM and Transit Limits....................................................................................320

Overview...............................................................................................................................................321

CVM and Transit Limits......................................................................................................................321

Appendix F: Digital Goods and Lodging Merchant Services................................. 322

Digital Goods Purchases.................................................................................................................... 323

Guaranteed Reservations..................................................................................................................324

Advance Resort Deposit.....................................................................................................................325

Appendix G: Signage, Screen, and Receipt Text Display..........................................326

Screen and Receipt Text Standards.................................................................................................328

Models for ATM Access Fee Notification at ATM Terminals.........................................................329

Models for Standard Signage Notification of an ATM Access Fee.............................................329

Asia/Pacific Region........................................................................................................................329

Australia.....................................................................................................................................330

Canada Region...............................................................................................................................330

Europe Region.................................................................................................................................331

United Kingdom........................................................................................................................331

Latin America and the Caribbean Region..................................................................................332

Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Panama, Peru, Puerto Rico,

and Venezuela...........................................................................................................................333

Middle East/Africa Region............................................................................................................333

Contents

Transaction Processing Rules • 11 June 2024

United States Region.................................................................................................................... 334

Models for Generic Terminal Signage Notification of an ATM Access Fee................................335

Asia/Pacific Region........................................................................................................................335

Australia.....................................................................................................................................335

Canada Region...............................................................................................................................336

Europe Region.................................................................................................................................337

United Kingdom........................................................................................................................337

Latin America and the Caribbean Region..................................................................................338

Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Panama, Peru, Puerto Rico,

and Venezuela...........................................................................................................................339

Middle East/Africa Region............................................................................................................340

United States Region.................................................................................................................... 340

Models for Screen Display Notification of an ATM Access Fee................................................... 341

Asia/Pacific Region........................................................................................................................341

Australia.....................................................................................................................................342

Canada Region...............................................................................................................................343

Europe Region.................................................................................................................................343

United Kingdom........................................................................................................................344

Latin America and the Caribbean Region..................................................................................345

Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Panama, Peru, Puerto Rico,

and Venezuela...........................................................................................................................345

Middle East/Africa Region............................................................................................................346

United States Region.................................................................................................................... 347

Model for an ATM Access Fee Transaction Receipt....................................................................... 348

Model Screen Offering POI Currency Conversion..........................................................................348

Model Receipt for Withdrawal Completed with POI Currency Conversion.............................. 349

Model Screen Displays for Offering Installment Payments.........................................................350

Model Receipt Texts for Installments...............................................................................................360

Appendix H: Definitions................................................................................................................362

Notices.................................................................................................................................................... 406

Contents

Transaction Processing Rules • 11 June 2024

Summary of Changes, 11 June 2024

This is a summary of the changes that have occurred since the previous publication of the

manual.

Chapter Number Rule Name Source or Explanation of Revision

Throughout Removed outdated effective dates

and obsolete information.

Chapter 2 Authorization and

Clearing Requirements

2.1 Acquirer Authorization

Requirements

2.9 Multiple Authorizations

2.10.1 Mastercard and Debit

Mastercard Transactions

(renumbered)

2.10.1.1 Mastercard and Debit

Mastercard Transactions

2.11.1 Full and Partial Reversals -

Acquirer Requirements

2.11.2 Full and Partial Reversals -

Issuer Requirements

Europe Region

2.1 Acquirer Authorization

Requirements

Additional U.S. Region and U.S.

Territory Rules

2.9 Multiple Authorizations

2.10.2 Maestro Transactions

GLB 8390.1 Revised Standards for

Use of the Transaction Link

Identifier

Summary of Changes, 11 June 2024

Transaction Processing Rules • 11 June 2024

Chapter Number Rule Name Source or Explanation of Revision

2.21 Merchant Payment Gateway

Identifier (MPG ID)

2.22 Co-badged Cards -

Acceptance Brand Identifier

(renumbered)

Europe Region

2.22 Co-badged Cards -

Acceptance Brand Identifier

(renumbered)

Middle East/Africa Region

2.21 Merchant Payment Gateway

Identifier (MPG ID)

AN 7118 Revised Standards for

Acquirer Mandate to Populate the

Merchant Payment Gateway

2.5.2 Preauthorizations - Maestro

POS Transactions

2.9 Multiple Authorizations

2.10.2 Maestro Transactions

Latin America and the Caribbean

Region

2.5 Preauthorizations

2.5.2 Preauthorizations - Maestro

POS Transactions

2.9 Multiple Authorizations

2.10 Multiple Clearing or Multiple

Completion Messages

2.10.2 Maestro Transactions

LAC 9404.1 Revised Standards for

Incremental Preauthorization and

Multiple Completions for Card-not-

present Maestro Transactions in

Brazil

2.11 Full and Partial Reversals Clarified use of partial and full

reversals, including when following

a partial approval.

Middle East/Africa Region

2.12 Full and Partial Approvals

MEA 9472.1 Revised Standards for

Partial Approval Support in Jordan

Summary of Changes, 11 June 2024

Transaction Processing Rules • 11 June 2024

Chapter Number Rule Name Source or Explanation of Revision

2.13.1 Refund Transactions -

Acquirer Requirements

Canada Region

2.13 Refund Transactions and

Corrections

2.13.1 Refund Transactions -

Acquirer Requirements

United States Region

2.13 Refund Transactions and

Corrections

2.13.1 Refund Transactions -

Acquirer Requirements

AP/EUR/LAC/MEA 9245.1 Revised

Standards for Online Authorization

of Refund Transactions in the Asia/

Pacific, Europe, Latin America and

the Caribbean (excluding Brazil),

and Middle East/Africa Regions

Chapter 3 Acceptance Procedures 3.1.1 Mastercard Card Acceptance

Procedures

AN 8396 Revised Standards for

Retiring of Mastercard HoloMag for

Vendors; AN 8397 Revised

Standards for Retiring of

Mastercard HoloMag for Issuers

3.1.1 Mastercard Card Acceptance

Procedures

Canada Region

3.3 Obtaining an Authorization

3.3.1 Mastercard POS Transaction

Authorization Procedures

United States Region

3.3.1 Mastercard POS Transaction

Authorization Procedures

AP/EUR/LAC/MEA 9245.1 Revised

Standards for Online Authorization

of Refund Transactions in the Asia/

Pacific, Europe, Latin America and

the Caribbean (excluding Brazil),

and Middle East/Africa Regions

3.8.2 Cardholder Disclosure -

Transaction Receipt Information

Moved transaction receipt

information required when POI

currency conversion occurs to

sections 3.13.1 and 3.13.2;

replaced text with a reference to

the relevant sections.

3.13 Transaction Receipts

Europe Region

3.13 Transaction Receipts

GLB 9410.1 Revised Standards for

Transaction Receipts

Summary of Changes, 11 June 2024

Transaction Processing Rules • 11 June 2024

Chapter Number Rule Name Source or Explanation of Revision

3.15 Transaction Records

3.15.1 Transaction Presentment

Time Frames

United States Region

3.15 Transaction Records (deleted)

3.15.1 Transaction Presentment

Time Frames

(deleted)

AN 8665 Revised Standards for

Late Presentment Chargebacks

3.15.1 Transaction Presentment

Time Frames

AN 8471 Revised Standards for

Payment Transactions

Chapter 4 Card-Present

Transactions

Europe Region

4.17.1 ATM Access Fees - Domestic

Transactions

EUR 8680.2 Revised Standards for

ATM Surcharging on Domestic

Transactions in Countries in the

European Economic Area and the

United Kingdom, Excluding Poland

Chapter 7 Terminal Requirements Europe Region

7.3.1 Contactless-enabled POS

Terminals

EUR 9345.1 Revised Standards for

Online PIN Support at Contactless

POS Terminals in Israel. Also

deleted Europe region section

"MCL 3.0 and CDCVM Support,"

due to redundancy with global

section 7.2.4.

7.5.2 Bank Branch Terminals GLB 9410.1 Revised Standards for

Transaction Receipts

Appendix D Cardholder-Activated

Terminal (CAT) Transactions

CAT Level 4: In-Flight Commerce

(IFC) Terminals (CAT 4)

GLB 9410.1 Revised Standards for

Transaction Receipts

Summary of Changes, 11 June 2024

Transaction Processing Rules • 11 June 2024

Chapter Number Rule Name Source or Explanation of Revision

Appendix E CVM and Transit Limits CVM and Transit Limits AN 8542 Revised Standards for

Transit-Related CVM Limit

Changes in Japan

AN 8645 Revised Standards for

CVM Limits in El Salvador,

Guatemala, Nicaragua, and

Panama

AN 9025 Revised Standards for

Contactless Transit Aggregated

Limits in Chile

EUR 9308.1 Revised Standards for

First Ride Risk Limit for Domestic

Transit Transactions in Portugal

GLB 9346.1 Revised Standards for

CVM Limits in Lebanon and

Tanzania

AP 9372.1 Revised Standards for

First Ride Risk Limit for Domestic

Transit Transactions in Vietnam

Summary of Changes, 11 June 2024

Transaction Processing Rules • 11 June 2024

Applicability of Rules in this Manual

This manual contains Rules for Activities.

The Rules

in this manual pertain to the processing of Transactions and Payment Transactions.

As used herein, a Transaction means a transaction resulting from the use of a Mastercard

Maestro

, or Cirrus

Card, Access Device, or Account, as the case may be. As used herein, a

Payment Transaction means a Payment Transfer Activity (PTA) Transaction that transfers

funds to an Account. A Payment Transaction is not a credit that reverses a previous purchase

(includes MoneySend Payment Transactions, Gaming Payment Transactions, and China Funds

Transfer Payment Transactions).

For the purposes of Standards applicable to Payment Transactions, Issuer means the Receiving

Institution (RI), and Acquirer means the Originating Institution (OI).

The below table describes the applicability of the Rules for particular types of Transactions or

Payment 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…

Apply to…

Mastercard POS Transactions A POS Transaction conducted with a Mastercard Card. A China

domestic POS Transaction conducted with a Mastercard Card

(includes a “Debit Mastercard” Card).

Maestro POS Transactions A POS Transaction conducted with:

• A Maestro Card, or

• A Mastercard Card issued from a country or territory other than

China using a BIN identified by the Corporation as “Debit

Mastercard” and routed to the Mastercard

Single Message

System

ATM Transactions A Transaction conducted with a Mastercard, Maestro, or Cirrus Card

at an ATM Terminal and routed to the Interchange System.

Manual Cash Disbursement

Transactions

A cash withdrawal Transaction conducted at:

• A Customer financial institution teller or Bank Branch Terminal

with a Mastercard Card, or

• A Bank Branch Terminal with a Maestro or Cirrus Card and routed

to the Interchange System.

If a particular brand or brands is not mentioned in a Rule that applies to Transactions, then the Rule applies to

Mastercard, Maestro, and Cirrus.

In Mainland China, the Standards relating to POS Transactions apply to all domestic Transactions.

Applicability of Rules in this Manual

Transaction Processing Rules • 11 June 2024

Rules relating to… Apply to…

Payment Transactions A PTA Transaction that transfers funds to an Account. A Payment

Transaction is not a credit that reverses a previous purchase. Includes

MoneySend Payment Transactions, Gaming Payment Transactions,

and China Funds Transfer Payment Transactions.

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 (“modifications”) 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 modification 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.

Applicability of Rules in this Manual

Transaction Processing Rules • 11 June 2024

Chapter 1 Connecting to the Interchange System and

Authorization Routing

The following Standards apply with regard to connecting to the Interchange System and Authorization

routing. Where applicable, modifications by region and/or country are provided at the end of this

chapter in the section titled, “Variations and Additions by Region.”

1.1 Connecting to the Interchange System..................................................................................................... 27

1.2 Authorization Routing—Mastercard POS Transactions...........................................................................27

1.3 Authorization Routing—Maestro, Cirrus, and ATM Transactions...........................................................28

1.3.1 Routing Instructions and System Maintenance...............................................................................28

1.3.2 Chip Transaction Routing.....................................................................................................................28

1.3.3 Domestic Transaction Routing............................................................................................................29

1.4 ATM Terminal Connection to the Interchange System............................................................................29

1.5 Gateway Processing...................................................................................................................................... 29

1.6 POS Terminal Connection to the Interchange System............................................................................30

Variations and Additions by Region...................................................................................................................30

Asia/Pacific Region...............................................................................................................................................30

1.4 ATM Terminal Connection to the Interchange System.......................................................................30

1.6 POS Terminal Connection to the Interchange System...................................................................... 30

Canada Region......................................................................................................................................................31

1.3 Authorization Routing—Maestro, Cirrus, and ATM Transactions..................................................... 31

1.3.3 Domestic Transaction Routing...................................................................................................... 31

1.4 ATM Terminal Connection to the Interchange System.......................................................................31

Europe Region........................................................................................................................................................31

1.1 Connecting to the Interchange System................................................................................................31

1.2 Authorization Routing—Mastercard POS Transactions.....................................................................32

1.3 Authorization Routing—Maestro, Cirrus, and ATM Transactions..................................................... 32

1.3.2 Chip Transaction Routing............................................................................................................... 32

1.3.3 Domestic Transaction Routing...................................................................................................... 32

1.4 ATM Terminal Connection to the Interchange System—SEPA Only.................................................32

Latin America and the Caribbean Region.........................................................................................................33

1.4 ATM Terminal Connection to the Interchange System.......................................................................33

1.6 POS Terminal Connection to the Interchange System...................................................................... 33

United States Region........................................................................................................................................... 33

1.1 Connecting to the Interchange System................................................................................................33

1.3 Authorization Routing—Maestro, Cirrus, and ATM Transactions..................................................... 33

1.3.1 Routing Instructions and System Maintenance..........................................................................33

Connecting to the Interchange System and Authorization Routing

Transaction Processing Rules • 11 June 2024

1.3.3 Domestic Transaction Routing...................................................................................................... 34

1.4 ATM Terminal Connection to the Interchange System.......................................................................34

Additional U.S. Region and U.S. Territory Rules...............................................................................................34

1.3 Authorization Routing—Maestro, Cirrus, and ATM Transactions..................................................... 35

Connecting to the Interchange System and Authorization Routing

Transaction Processing Rules • 11 June 2024

1.1 Connecting to the Interchange System

A Customer must maintain the necessary equipment and procedures to process Transactions

and/or Payment Transactions and to connect to the Interchange System, using a

telecommunications circuit established by the Interchange System that is equipped with back-

up service. Before processing Transactions and/or Payment Transactions and on an ongoing

basis thereafter, the Customer must perform testing and obtain any necessary certifications of

its equipment, procedures, and Interchange System connections as may be required by

Mastercard

to ensure compatibility with its technical specifications then in effect.

Each Principal and Association must establish and maintain, at its own expense, a data

processing facility that is capable of receiving, storing, processing, and communicating any

Transaction and/or Payment Transaction sent to or received from the Interchange System, and

may connect at least one data processing facility directly to the Interchange System. Such

facility may be established and maintained by the Customer’s parent, its wholly-owned

subsidiary, or an entity that is wholly owned, directly or indirectly, by the Customer’s parent, or

with the prior written agreement of Mastercard, by the Customer’s designated third party

agent.

NOTE: Modifications to this Rule appear in the “Europe Region” and “United States Region” sections

at the end of this chapter.

1.2 Authorization Routing—Mastercard POS Transactions

On an ongoing basis, an Acquirer of Mastercard POS Transactions and any Customer providing

Mastercard Manual Cash Disbursements must recognize and use all active Mastercard bank

identification numbers (BINs) for purposes of obtaining Transaction authorizations, and obtain

such authorizations on behalf of each of its Merchants as the Standards require. The Acquirer

must use Account range files provided by the Corporation for this purpose. Such files must be

used by the Acquirer, its Merchants, and any entities that handle Account range files on behalf

of the Acquirer or the Acquirer’s Merchant within six calendar days from the date that each

updated file is made available by the Corporation. After downloading an updated Account range

file from the Corporation, an Acquirer must return an acknowledgment file to the Corporation

confirming that:

• The Acquirer has updated its systems accordingly; and

• Each of the Acquirer’s Merchants and entities that handle Account range files on behalf of

the Acquirer or the Acquirer’s Merchant have updated their systems accordingly as well.

Alternatively, the Acquirer must submit all authorization requests containing an Account number

with a BIN in either the 222100 to 272099 BIN range or 510000 to 559999 BIN range to the

Interchange System for routing to the Issuer.

NOTE: A modification to this Rule appears in the “Europe Region” section at the end of this chapter.

Connecting to the Interchange System and Authorization Routing

1.1 Connecting to the Interchange System

Transaction Processing Rules • 11 June 2024

1.3 Authorization Routing—Maestro, Cirrus, and ATM Transactions

An Acquirer must recognize and use all active Account ranges that are included in the

Corporation’s Financial Institution Table (FIT) or other Account range file obtained through the

Corporation and must follow the Issuer’s routing instructions, if any, set forth in those files. Such

files must be used by the Acquirer, its Merchants, ATM Terminals, Bank Branch Terminals, and

any entities that handle such files on behalf of the Acquirer or the Acquirer’s Merchant within six

calendar days from the date that each updated file is made available by the Corporation. After

downloading an updated Account range file from the Corporation, an Acquirer must return an

acknowledgment file to the Corporation confirming that:

• The Acquirer has updated its systems accordingly; and

• Each of the Acquirer’s Merchants, ATM Terminals, Bank Branch Terminals, and entities that

handle Account range files on behalf of the Acquirer or the Acquirer’s Merchant have updated

their systems accordingly as well.

Alternatively, an Acquirer of Maestro POS Transactions, ATM Transactions, and/or Manual Cash

Disbursement Transactions occurring at Bank Branch Terminals must default route to the

Interchange System any such Transaction not belonging to its proprietary network. The

Interchange System determines whether or not the Transaction is being performed by a

Cardholder.

NOTE: Modifications to this Rule appear in the “Additional U.S. Region and U.S. Territories” section at

the end of this chapter.

1.3.1 Routing Instructions and System Maintenance

Each Customer or its Sponsor must:

1. Submit to the Corporation completed institution routing table (IRT) and institution

definition file (IDF) input documents no later than five business days prior to the requested

effective date of live processing via the Interchange System.

2. Notify the Corporation of any routing updates at least five business days before the

effective date of the change. Expedited maintenance may be performed within two

business days of such notice.

3. Notify the Corporation of any scheduled downtime at least 24 hours in advance.

NOTE: A variation to this Rule appears in the "United States Region" section at the end of this

chapter.

1.3.2 Chip Transaction Routing

Any chip-based ATM Transaction or Maestro POS Transaction generated by a Mastercard-

branded Application Identifier (AID) must be routed through the Interchange System, or as

otherwise approved by the Corporation.

Connecting to the Interchange System and Authorization Routing

1.3 Authorization Routing—Maestro, Cirrus, and ATM Transactions

Transaction Processing Rules • 11 June 2024

This provision does not apply with respect to a Domestic Transaction for which the Issuer and

Acquirer is the same Customer (an “on-us” Transaction).

NOTE: A variation to this Rule appears in the “Europe Region” section at the end of this chapter.

1.3.3 Domestic Transaction Routing

When a Card is used at an ATM Terminal or Bank Branch Terminal in the country in which such

Card was issued and the only common brand appearing on both the Card and the ATM Terminal

or Bank Branch Terminal is a Mark, the resulting Transaction:

1. Must be routed to the Interchange System; or

2. The Issuer of the Card must report and pay a Brand Fee for such Transaction.

This provision does not apply with respect to a Domestic Transaction for which the Issuer and

Acquirer is the same Customer (an “on-us” Transaction).

NOTE: Variations to this Rule appear in the “Canada Region,” "Europe Region," and “United States

Region” sections at the end of this chapter.

1.4 ATM Terminal Connection to the Interchange System

Except as otherwise provided in the Standards, each Customer that acquires any ATM

transactions must at all times make available for connection to the Interchange System, and in

particular, the Mastercard

ATM Network, all of the eligible ATM Terminals established by that

Customer (including its parents, subsidiaries, affiliates, and Sponsored entities) in the country in

which the Customer is located and in every other country in which it has been Licensed to

conduct ATM Transaction acquiring Activity.

A Customer Licensed only to conduct ATM Transaction acquiring Activity must make at least 75

percent of the ATM Terminals it establishes available for connection to the Interchange System.

NOTE: Modifications to this Rule appear in the “Asia/Pacific Region,” “Canada Region,” “Europe

Region,” “Latin America and the Caribbean Region,” and “United States Region” sections at the end of

this chapter.

1.5 Gateway Processing

The Interchange System may be used for the routing of ATM transactions and settlement of

funds pursuant to terms governing a card that does not bear the any of the Corporation’s Marks

if such card bears the mark of one of the following authorized Gateways:

1. PLUS System USA, Inc.

2. VISA USA, Inc.

Connecting to the Interchange System and Authorization Routing

1.3.3 Domestic Transaction Routing

Transaction Processing Rules • 11 June 2024

The Interchange System technical specifications applicable to ATM Transactions apply to

Gateway Processing. Error and dispute resolution is supported within Gateway Processing to

the extent provided in the Standards that govern the individual Transaction. When a Gateway

Customer uses the Mastercard

ATM Network for Gateway Processing, error and dispute

resolution requests must be processed in accordance with the Chargeback Guide.

The Principal that submits an ATM transaction to the Mastercard

ATM Network for Gateway

Processing is deemed to have consented to comply with all applicable Standards and to pay all

applicable fees in connection with such transaction.

1.6 POS Terminal Connection to the Interchange System

NOTE: Rules on this subject appear in the “Asia/Pacific Region” and “Latin America and the Caribbean

Region” sections at the end of this chapter.

Variations and Additions by Region

The remainder of this chapter provides modifications to the Standards set out in this chapter.

The modifications are organized by region or country and by applicable subject title.

Asia/Pacific Region

The following modifications to the Rules apply in the Asia/Pacific Region or in a particular

Region country or countries. Refer to Appendix A for the Asia/Pacific Region geographic listing.

1.4 ATM Terminal Connection to the Interchange System

In the Asia/Pacific Region, the Rule on this subject is modified as follows.

A Customer that acquires ATM Transactions must make available for connection to the

Interchange System at least 75 percent of its eligible ATM Terminals in the Region within one

year of the approval of its application for a License.

1.6 POS Terminal Connection to the Interchange System

In the Asia/Pacific Region, a Customer that acquires POS Transactions must make available for

connection to the Interchange System at least 75 percent of its eligible POS Terminals in the

Region within one year of the approval of its application for a License.

Connecting to the Interchange System and Authorization Routing

1.6 POS Terminal Connection to the Interchange System

Transaction Processing Rules • 11 June 2024

Canada Region

The following modifications to the Rules apply in the Canada Region. Refer to Appendix A for

the Canada Region geographic listing.

1.3 Authorization Routing—Maestro, Cirrus, and ATM Transactions

1.3.3 Domestic Transaction Routing

In the Canada Region, the Rule on this subject is modified as follows.

When a Card issued in the Canada Region is used at an ATM Terminal or Bank Branch Terminal

located in the Canada Region and the only common brand appearing on both the Card and ATM

Terminal or Bank Branch Terminal is a Mark:

1. The resulting Transaction must be routed to the Interchange System; or

2. The Issuer receiving such Transaction must report and pay a Brand Fee for such Transaction.

This provision does not apply with respect to a Domestic Transaction for which the Issuer and

Acquirer is the same Customer (an “on-us” Transaction) or any Transaction processed between:

1. A Principal (or its Third Party Processor) and one of its Affiliates (or its Third Party

Processor), or

2. Two Affiliates (or their Third Party Processors) Sponsored by the same Principal.

1.4 ATM Terminal Connection to the Interchange System

In the Canada Region, the Rule on this subject is modified as follows.

A Customer that acquires ATM Transactions must make available for connection to the

Interchange System at least 75 percent of the eligible ATM Terminals established by it (including

its parents, subsidiaries and affiliates) in each major Canadian metropolitan area in which at

least 10,000 of its debit Cardholders reside. The Census Metropolitan Area (CMA) as defined by

the Canadian government will be used as the measure.

Europe Region

The following modifications to the Rules apply in the Europe Region or in a particular Region

country or countries. Refer to Appendix A for the Europe Region, Non-Single European Payments

Area (Non-SEPA) and Single European Payments Area (SEPA) geographic listing.

1.1 Connecting to the Interchange System

In the EEA, UK and Gibraltar the Rule on this subject is modified as follows.

For the processing of Transactions in the EEA, UK and Gibraltar, and if required by applicable

law or regulation, Payment Transactions in the EEA, UK and Gibraltar, a Customer may use any

switch of its choice that is registered with the Corporation. Back-up facilities are required and

may be provided via its chosen switch.

Connecting to the Interchange System and Authorization Routing

Canada Region

Transaction Processing Rules • 11 June 2024

Dual-message processing (i.e., separate messages for authorization and clearing) must be used.

A Customer is not required to use the same switch for authorization and for clearing.

1.2 Authorization Routing—Mastercard POS Transactions

In the EEA, UK and Gibraltar, the Rule on this subject is modified as follows.

An Acquirer must make sure that the registered switch that it uses for authorization recognizes

all active Mastercard BINs and updates its systems using a current file obtained through the

Corporation within six calendar days from the date that the updated Account range file is made

available by the Corporation. The Acquirer must confirm to the Corporation that its chosen

switch has updated its systems accordingly. The Acquirer may submit authorization requests via

its chosen switch.

1.3 Authorization Routing—Maestro, Cirrus, and ATM Transactions

1.3.2 Chip Transaction Routing

The Rule on this subject does not apply to Intra-SEPA Transactions.

In the EEA, UK and Gibraltar the Rule on this subject is modified as follows.

Intra-EEA Transactions, Cross-border Transactions between the UK, Gibraltar and an EEA

country, and Intracountry Transactions in the EEA, UK and Gibraltar may be processed using the

registered switch of the Customer’s choice.

1.3.3 Domestic Transaction Routing

In the EEA, UK and Gibraltar the Rule on this subject is modified as follows.

Intra-EEA Transactions, Cross-border Transactions between the UK, Gibraltar and an EEA

country, and Intracountry Transactions in the EEA, UK and Gibraltar may be processed using the

registered switch of the Customer’s choice.

1.4 ATM Terminal Connection to the Interchange System—SEPA Only

Within SEPA, the Rule on this subject is modified as follows.

A Customer must at all times accept all Mastercard, Maestro, and Cirrus Cards at all ATM

Terminals owned or established by that Customer (including its parents, subsidiaries, affiliates,

and Sponsored entities) within SEPA if it accepts cards issued under other acceptance brands at

those ATM Terminals.

Connecting to the Interchange System and Authorization Routing

1.2 Authorization Routing—Mastercard POS Transactions

Transaction Processing Rules • 11 June 2024

Latin America and the Caribbean Region

The following modifications to the Rules apply in the Latin America and the Caribbean Region.

Refer to Appendix A for the Latin America and the Caribbean Region geographic listing.

1.4 ATM Terminal Connection to the Interchange System

In the Latin America and the Caribbean Region, the Rule on this subject is modified as follows.

A Customer that acquires ATM Transactions must make available for connection to the

Interchange System at least 75 percent of its eligible ATM Terminals in the Region within one

year of the approval of its application for a License.

1.6 POS Terminal Connection to the Interchange System

In the Latin America and the Caribbean Region, a Customer that acquires POS Transactions

must make available for connection to the Interchange System at least 75 percent of its eligible

POS Terminals in the Region within one year of the approval of its application for a License.

United States Region

The following modifications to the Rules apply in the United States (U.S.) Region. Refer to

Appendix A for the U.S. Region geographic listing.

1.1 Connecting to the Interchange System

In the U.S. Region, the Rule on this subject is modified as follows.

Connection to the Interchange System for Maestro POS Transaction and ATM Transaction

processing is limited to Principals or their Designees. As used herein, “Designee” means an entity

authorized by the Corporation to connect to the Interchange System.

1.3 Authorization Routing—Maestro, Cirrus, and ATM Transactions

1.3.1 Routing Instructions and System Maintenance

In the U.S. Region, the Rule on this subject is modified as follows.

With respect to ATM Transaction processing, a Customer must provide the Corporation with

written notification of downtime at least 48 hours before any regularly scheduled maintenance

event and within five business days following the occurrence of an emergency maintenance

event. Written notification must include the date of the maintenance; the times at which the

maintenance commences and concludes; a brief description of the reason for the maintenance;

and for an emergency event, a description of the actions taken to prevent a reoccurrence of the

event.

Connecting to the Interchange System and Authorization Routing

Latin America and the Caribbean Region

Transaction Processing Rules • 11 June 2024

Maintenance Requirements Scheduled Maintenance Emergency Maintenance

Permissible Maintenance Time Frame 01:00 to 05:00

(New York time)

Anytime

Maximum Hours per Month 10 4

Maximum Hours per Week 5 2

Maximum Hours per Day 2 1

Maximum Duration (in hours) of Event 2 1

1.3.3 Domestic Transaction Routing

In the U.S. Region, the Rule on this subject is modified as follows.

When a Card issued in the United States Region is used at an ATM Terminal located in the

United States Region for a Transaction other than the purchase of merchandise or a service, and

a Mark is a common brand, but not the only common brand, appearing on both the Card and

the ATM Terminal, the resulting Transaction must be routed to:

1. The interchange system specified by the Issuer; or

2. The Corporation’s Interchange System, if the Issuer has not specified to the Corporation a

different interchange system for Transaction routing.

1.4 ATM Terminal Connection to the Interchange System

In the U.S. Region, the Rule on this subject is replaced with the following.

A Customer that acquires ATM Transactions must make available for connection to the

Interchange System at least 75 percent of the eligible ATM Terminals established by it (including

its parents, subsidiaries and affiliates) in each major United States metropolitan area in which

at least 10,000 of its debit Cardholders reside. The Metropolitan Statistical Area (M.S.A.) as

defined by the United States government will be used as the measure.

Additional U.S. Region and U.S. Territory Rules

The following modifications to the Rules apply in the United States Region and in American

Samoa, Guam, Northern Mariana Islands, Puerto Rico, and the U.S. Virgin Islands (herein, “the

U.S. Territories”).

These Rules apply in addition to any that apply within the Asia/Pacific Region, with respect to

Customers located in American Samoa, Guam, and Northern Mariana Islands; the Latin America

and the Caribbean Region, with respect to Customers located in Puerto Rico and the U.S. Virgin

Islands; and the United States Region, with respect to U.S. Region Customers.

Connecting to the Interchange System and Authorization Routing

1.3.3 Domestic Transaction Routing

Transaction Processing Rules • 11 June 2024

1.3 Authorization Routing—Maestro, Cirrus, and ATM Transactions

In the U.S. Region and U.S. Territories, the Rule on this subject is modified as follows.

The Corporation offers Merchants located in the U.S. Region and U.S. Territories the option of

routing POS transactions initiated with a debit card enhanced with Maestro functionality to the

Single Message System. The Acquirer of a Merchant located in the U.S. Region or a U.S. Territory

must support the Maestro routing indicator fields MS ATM (position 54), MS POS (position 55),

and Maestro Card-Not-Present (position 74) in the 80-byte Financial Institution Table (FIT) file.

These fields apply only when the Maestro Flag (position 42 in the FIT file) is Y. When the

Maestro Flag is N, the Maestro routing indicator fields should be disregarded.

Connecting to the Interchange System and Authorization Routing

1.3 Authorization Routing—Maestro, Cirrus, and ATM Transactions

Transaction Processing Rules • 11 June 2024

Chapter 2 Authorization and Clearing Requirements

The following Standards apply with regard to authorization processing and clearing requirements.

Where applicable, modifications by region and/or country are provided at the end of this chapter in the

section titled, “Variations and Additions by Region.”

2.1 Acquirer Authorization Requirements........................................................................................................ 40

2.1.1 Acquirer Host System Requirements.................................................................................................41

2.2 Issuer Authorization Requirements.............................................................................................................41

2.2.1 Issuer Host System Requirements......................................................................................................43

2.2.2 Stand-In Processing Service................................................................................................................43

Accumulative Transaction Limits............................................................................................................ 44

Chip Cryptogram Validation in Stand-In............................................................................................... 44

2.2.3 ATM Transaction Requirements for Mastercard Credit Card Issuers...........................................44

2.3 Authorization Responses.............................................................................................................................. 45

2.4 Performance Standards................................................................................................................................45

2.4.1 Performance Standards—Acquirer Requirements...........................................................................45

2.4.2 Performance Standards—Issuer Requirements............................................................................... 46

Issuer Failure Rate (Substandard Level 1).............................................................................................46

Issuer Failure Rate (Substandard Level 2).............................................................................................46

Calculation of the Issuer Failure Rate.................................................................................................... 46

2.5 Preauthorizations...........................................................................................................................................46

2.5.1 Preauthorizations - Mastercard POS Transactions.........................................................................46

2.5.2 Preauthorizations - Maestro POS Transactions.............................................................................. 47

2.5.3 Preauthorizations - ATM and Manual Cash Disbursement Transactions....................................47

2.6 Undefined Authorizations.............................................................................................................................48

2.7 Final Authorizations.......................................................................................................................................48

2.8 Message Reason Code 4808 Chargeback Protection Period.................................................................49

2.9 Multiple Authorizations.................................................................................................................................49

2.10 Multiple Clearing or Completion Messages.............................................................................................51

2.10.1 Mastercard and Debit Mastercard Transactions...........................................................................51

2.10.2 Maestro Transactions.........................................................................................................................52

2.11 Full and Partial Reversals............................................................................................................................52

2.11.1 Full and Partial Reversals - Acquirer Requirements...................................................................... 52

2.11.2 Full and Partial Reversals - Issuer Requirements...........................................................................53

2.11.3 Reversal for Conversion of Approval to Decline.............................................................................54

2.11.4 Reversal to Cancel Transaction.........................................................................................................55

2.12 Full and Partial Approvals ..........................................................................................................................55

Authorization and Clearing Requirements

Transaction Processing Rules • 11 June 2024

2.13 Refund Transactions and Corrections......................................................................................................57

2.13.1 Refund Transactions - Acquirer Requirements...............................................................................58

2.13.2 Refund Transactions - Issuer Requirements...................................................................................59

2.14 Balance Inquiries..........................................................................................................................................60

2.15 CVC 2 Verification for POS Transactions................................................................................................60

2.16 CVC 3 Verification for Maestro Magnetic Stripe Mode Contactless Transactions—Brazil Only....61

2.17 Euro Conversion—Europe Region Only..................................................................................................... 61

2.18 Transaction Queries, Disputes, and Errors.............................................................................................. 61

2.18.1 Compliance with Dispute Procedures..............................................................................................61

2.19 Chargebacks for Reissued Cards...............................................................................................................61

2.20 Correction of Errors.....................................................................................................................................61

2.21 Merchant Payment Gateway Identifier (MPG ID)................................................................................. 62

2.22 Co-badged Cards - Acceptance Brand Identifier...................................................................................62

Variations and Additions by Region...................................................................................................................63

Asia/Pacific Region...............................................................................................................................................63

2.1 Acquirer Authorization Requirements...................................................................................................63

2.1.1 Acquirer Host System Requirements............................................................................................63

2.2 Issuer Authorization Requirements........................................................................................................64

2.2.1 Issuer Host System Requirements................................................................................................64

2.3 Authorization Responses....................................................................................................................64

2.5 Preauthorizations..................................................................................................................................... 64

2.5.1 Preauthorizations - Mastercard POS Transactions................................................................... 65

2.5.2 Preauthorizations—Maestro POS Transactions......................................................................... 65

2.7 Final Authorization...................................................................................................................................65

2.8 Message Reason Code 4808 Chargeback Protection Period............................................................65

2.11.1 Full and Partial Reversals—Acquirer Requirements.......................................................................66

2.12 Full and Partial Approvals.....................................................................................................................66

2.13 Refund Transactions and Corrections ................................................................................................66

2.13.1 Refund Transactions - Acquirer Requirements......................................................................... 66

Canada Region......................................................................................................................................................67

2.1 Acquirer Authorization Requirements...................................................................................................67

2.1.1 Acquirer Host System Requirements............................................................................................67

2.2 Issuer Authorization Requirements........................................................................................................67

2.12 Full and Partial Approvals.....................................................................................................................68

2.13 Refund Transactions and Corrections.................................................................................................68

2.13.1 Refund Transactions - Acquirer Requirements......................................................................... 68

Europe Region........................................................................................................................................................68

2.1 Acquirer Authorization Requirements...................................................................................................68

2.2 Issuer Authorization Requirements .......................................................................................................70

Authorization and Clearing Requirements

Transaction Processing Rules • 11 June 2024

2.2.2 Stand-In Processing Service...........................................................................................................71

2.2.3 ATM Transaction Requirements for Mastercard Credit Card Issuers..................................... 71

2.3 Authorization Responses.........................................................................................................................71

2.4 Performance Standards..........................................................................................................................72

2.4.2 Performance Standards—Issuer Requirements..........................................................................72

2.5 Preauthorizations..................................................................................................................................... 72

2.5.2 Preauthorizations—Maestro POS Transactions......................................................................... 72

2.5.3 Preauthorizations—ATM and Manual Cash Disbursement Transactions...............................73

2.7 Final Authorizations................................................................................................................................. 74

2.8 Message Reason Code 4808 Chargeback Protection Period............................................................74

2.9 Multiple Authorizations............................................................................................................................75

2.11 Full and Partial Reversals......................................................................................................................75

2.11.1 Full and Partial Reversals - Acquirer Requirements.................................................................75

2.11.2 Full and Partial Reversals—Issuer Requirements......................................................................76

2.12 Full and Partial Approvals.....................................................................................................................76

2.13 Refund Transactions and Corrections.................................................................................................77

2.13.1 Refund Transactions—Acquirer Requirements..........................................................................77

2.13.2 Refund Transactions—Issuer Requirements..............................................................................77

2.14 Balance Inquiries.....................................................................................................................................77

2.15 CVC 2 Verification for POS Transactions...........................................................................................77

2.17 Euro Conversion......................................................................................................................................78

2.22 Co-badged Cards - Acceptance Brand Identifier..............................................................................78

Latin America and the Caribbean Region.........................................................................................................79

2.2 Issuer Authorization Requirements........................................................................................................79

2.2.1 Issuer Host System Requirements................................................................................................79

2.5 Preauthorizations..................................................................................................................................... 79

2.5.2 Preauthorizations - Maestro POS Transactions.........................................................................79

2.9 Multiple Authorizations............................................................................................................................79

2.10 Multiple Clearing or Multiple Completion Messages........................................................................81

2.10.2 Maestro Transactions................................................................................................................... 81

2.16 CVC 3 Verification for Maestro Magnetic Stripe Mode Contactless—Brazil Only......................83

Middle East/Africa Region...................................................................................................................................83

2.1 Acquirer Authorization Requirements ..................................................................................................83

2.7 Final Authorizations ................................................................................................................................ 83

2.12 Full and Partial Approvals.....................................................................................................................83

2.21 Merchant Payment Gateway Identifier (MPG ID)............................................................................83

United States Region........................................................................................................................................... 83

2.1 Acquirer Authorization Requirements...................................................................................................84

2.1.1 Acquirer Host System Requirements............................................................................................84

Authorization and Clearing Requirements

Transaction Processing Rules • 11 June 2024

2.2 Issuer Authorization Requirements........................................................................................................84

2.2.1 Issuer Host System Requirements................................................................................................84

2.2.2 Stand-In Processing Service...........................................................................................................84

2.4 Performance Standards..........................................................................................................................86

2.4.2 Performance Standards—Issuer Requirements..........................................................................86

2.5 Preauthorizations..................................................................................................................................... 86

2.5.2 Preauthorizations—Maestro POS Transactions......................................................................... 86

2.11 Full and Partial Reversals......................................................................................................................87

2.11.1 Full and Partial Reversals—Acquirer Requirements................................................................. 87

2.11.2 Full and Partial Reversals—Issuer Requirements......................................................................87

2.13 Refund Transactions and Corrections.................................................................................................87

2.13.1 Refund Transactions - Acquirer Requirements......................................................................... 87

2.14 Balance Inquiries.....................................................................................................................................87

2.18 Transaction Queries, Disputes, and Errors ........................................................................................87

Additional U.S. Region and U.S. Territory Rules...............................................................................................87

2.2 Issuer Authorization Requirements........................................................................................................88

2.2.2 Stand-In Processing Service...........................................................................................................88

2.5 Preauthorizations..................................................................................................................................... 88

2.5.2 Preauthorizations—Maestro POS Transactions......................................................................... 88

2.9 Multiple Authorizations............................................................................................................................88

2.10 Multiple Clearing and Multiple Completion Messages.....................................................................90

2.10.2 Maestro Transactions................................................................................................................... 90

Authorization and Clearing Requirements

Transaction Processing Rules • 11 June 2024

2.1 Acquirer Authorization Requirements

An Acquirer and each of its Merchants must support POS Transactions (authorized online by the

Issuer or offline by the chip), and a full reversal when performed to cancel a POS Transaction

that the Acquirer cannot complete due to a technical problem.

The Acquirer of a Merchant that accepts Maestro

Cards must support Maestro POS

Transactions that either automatically access the primary account or allow the Cardholder to

choose to access the checking account or savings account ("account selection").

Effective 12 April 2024, an Acquirer must support the online authorization of Mastercard

Debit Mastercard

, and Maestro refund Transactions acquired on the Dual Message System and

enable refund Transaction authorization service for a Merchant upon request. The Acquirer must

pass the Issuer's refund Transaction authorization response to the Merchant.

An Acquirer may also support, and its Merchants may optionally offer, the following

Transaction/Payment Transaction and message types. An Acquirer that supports and any of its

Merchants that offer an optional Transaction and/or Payment Transaction or message type

must comply with the Rules applicable to the optional Transaction and/or Payment Transaction

or message type that is supported or offered.

• Purchase with cash back Transactions (Debit Mastercard and Maestro only, unless otherwise

specified for a country or Region)

• Merchant-approved Maestro POS Transactions

• Payment Transactions

• Maestro POS Transaction preauthorization and completion (single message processing)

• Account Status Inquiry (ASI) requests

• Partial approval

• Balance response (prepaid only)

• Full reversal, including cancellation, and partial reversal (Merchant-initiated at the POS

Terminal)

• POS balance inquiry (Debit Mastercard and Maestro only)

• Maestro refund Transactions and/or corrections acquired on the Single Message System

• Offline chip processing of refund Transactions

Government Controlled Merchants

Each Authorization Request/0100 and Authorization Advice/0120 message for a Transaction

conducted by a Government Controlled Merchant must include the Merchant Country of Origin

for that Government Controlled Merchant as defined in Appendix C, whether such country is the

same as or different from the country in which the Merchant is located or the Transaction

occurs.

Offline Chip Processing

If a Transaction that may be processed offline in accordance with the Terminal offline chip

authorization limit cannot be processed offline for any reason, the Transaction must be

Authorization and Clearing Requirements

2.1 Acquirer Authorization Requirements

Transaction Processing Rules • 11 June 2024

processed online; if the Transaction cannot be processed online, then the Transaction must be

declined. A Mastercard Single Message System Acquirer may clear offline Chip Transaction by

transmitting the required Transaction data in an online Financial Advice/0220 message or as

part of a batch notification.

Account Status Inquiry (ASI) Requests

An ASI request is an Authorization Request/0100 or Financial Transaction Request/0200

message initiated by an Acquirer or Merchant to obtain the Issuer's validation that a

Cardholder's Account is open and active.

An ASI request is identified with a value of 8 (Account Status Inquiry Service [ASI]) in DE 61

(Point-of-Service [POS] Data), subfield 7 (POS Transaction Status), and when submitted in

connection with a purchase, contains a value of 00 (Purchase) in DE 3 (Processing Code),

subfield 1 (Cardholder Transaction Type Code). A Purchase ASI request must have a Transaction

amount of zero.

Unless specifically permitted in the Standards, a purchase Transaction authorization request

must not contain a Transaction amount value of one major unit of currency or any other nominal

test amount that does not represent an actual purchase.

NOTE: Modifications to this Rule appear in the "Asia/Pacific Region," "Europe Region," "Middle East/

Africa Region," and "United States Region" sections at the end of this chapter.

Echoing of Transaction Link ID

Effective 17 October 2025, an Acquirer must populate DE 105 (Multi-Use Transaction

Identification Data), subelement 001 (Transaction Link Identifier [TLID]) of each incremental

Authorization/0100, Authorization Advice/0120, Financial Transaction Request/0200, Financial

Transaction Advice/0220, Reversal Request/0400, and Acquirer Reversal Advice/0420 message

with the value in the TLID field received in the corresponding Authorization Request Response/

0110, Financial Transaction Request Response/0210, or other original message response for the

same Transaction.

2.1.1 Acquirer Host System Requirements

NOTE: Rules on this subject appear in the "Asia/Pacific Region", "Canada Region," and “United States

Region” sections at the end of this chapter.

2.2 Issuer Authorization Requirements

The Issuer of a debit Card Program or of a credit Card Program that provides cash access at

ATM Terminals and Bank Branch Terminals:

1. Must support POS Transaction authorizations and preauthorizations from a debit

Cardholder’s primary account, checking account, and savings account.

Authorization and Clearing Requirements

2.1.1 Acquirer Host System Requirements

Transaction Processing Rules • 11 June 2024

2. Must offer cash withdrawal and Merchandise Transactions from no account specified to

debit Cardholders and cash advances to credit Cardholders.

3. May offer, at its option, balance inquiry to checking, savings, and credit card accounts; and

transfers to and from checking and savings accounts.

Offline Chip Processing

A Chip Card Issuer that elects to process offline Chip Transactions must support offline

purchase and refund Transactions. If an offline Transaction type is not offered to a Cardholder,

the chip must send the Transaction online for authorization or decline the Transaction offline. An

Issuer must accept a Chip Transaction cleared online by an Acquirer following an offline

authorization.

Online Authorization of Refund Transactions

An Issuer must support the online authorization of refund Transactions for all Mastercard and

Debit Mastercard Account ranges, with the exception of non-reloadable prepaid Account ranges.

If not supported, the Issuer must provide a value of 57 indicating “transaction not permitted to

issuer/cardholder” in DE 39 (Response Code) of the online authorization message.

Chip Technical Fallback

An Issuer must decline authorization of a Transaction conducted in the Canada, Europe, Latin

America and the Caribbean, or Middle East/Africa Region when technical fallback from chip to

magnetic stripe occurred.

Account Status Inquiry (ASI) Requests

An ASI request is an Authorization Request/0100 or Financial Transaction Request/0200

message initiated by an Acquirer or Merchant to obtain the Issuer's validation that a

Cardholder's Account is open and active. An ASI request is identified with the values of 8

(Account Status Inquiry Service [ASI]) in DE 61 (Point-of-Service [POS] Data), subfield 7 (POS

Transaction Status and 00 (Purchase) in DE 3 (Processing Code), subfield 1 (Cardholder

Transaction Type Code) and has a Transaction amount of zero.

An Issuer that receives an ASI request must provide a valid and accurate value in DE 39

(Response Code) of the Authorization Request Response/0110 or Financial Transaction Request

Response/0210 message. If a Mastercard or Debit Mastercard Account is open and active, the

Issuer must provide a value of 00 (Approved) or 85 (Not Declined) in DE 39.

Mastercard will deem an Issuer to be noncompliant with this requirement if the Issuer declines

an ASI request involving a Mastercard or Debit Mastercard Account and within 24 hours of such

decline, approves a Transaction authorization request for a non-zero Transaction amount

involving the same Merchant or Sponsored Merchant and the same Account. A noncompliant

Issuer may be subject to fees under the global ASI Transaction Processing Excellence program.

NOTE: Modifications to this Rule appear in the “Asia/Pacific Region,” “Canada Region,” “Europe

Region,” and “United States Region” sections at the end of this chapter.

Authorization and Clearing Requirements

2.2 Issuer Authorization Requirements

Transaction Processing Rules • 11 June 2024

2.2.1 Issuer Host System Requirements

An Issuer's host system interfaces must support the online processing of:

• POS Transactions

• Purchase with cash back Transactions for Debit Mastercard (including prepaid) and Maestro

(including prepaid) Account ranges, effective 1 July 2022

• Refund Transactions (for both Mastercard Dual Message System and Single Message

System processing)

• Partial approval requests

• Balance response

• Reversal and correction requests

• POS balance inquiries (if required in a country or Region)

• Cash withdrawals and the purchase of Merchandise with no account specified at ATM

Terminals and Bank Branch Terminals; and

• Payment Transactions

NOTE: Modifications to this Rule appear in the "Asia/Pacific Region," "Latin America and the

Caribbean Region," and "United States Region" sections at the end of this chapter.

2.2.2 Stand-In Processing Service

An Issuer is liable for all Transactions authorized (with or without PIN validation) using the

Stand-In Processing Service. The Issuer may establish Stand-In Processing Service PIN validation

at its option.

For all of its Mastercard Card Programs, an Issuer must use the Stand-In Processing Service.

Stand-In Parameters for Mastercard (including Debit Mastercard) Card Programs must be set

at or above the Corporation’s default limits.

For all of its Maestro and Cirrus Card Programs, an Issuer must use the Stand-In Processing

Service. This requirement does not apply if the Issuer commenced its use of an alternative on-

behalf authorization service before 1 December 2003 and such service meets the Corporation’s

performance standards as set forth in Rule 2.4.2. Stand-In Parameters for Maestro and Cirrus

Card Programs must be set at or above the Corporation’s default limits.

In the event that fraudulent activity is detected with respect to a Mastercard BIN or BIN range,

the Corporation, in its sole discretion and judgment, may take such action as the Corporation

deems necessary or appropriate to safeguard the goodwill and reputation of the Corporation’s

Marks. Such action may include, by way of example and not limitation, declining some or all

Transaction authorization requests received by the Stand-in Processing Service relating to the

use of Cards issued under such Mastercard BIN or BIN range.

An Issuer may employ a blocking service which declines all Transaction authorization requests

during Stand-In processing for inactive BINs or in situations where Stand-In processing does not

apply for regulatory reasons.

An Issuer’s use of the Stand-In Processing Service must include the following services:

Authorization and Clearing Requirements

2.2.1 Issuer Host System Requirements

Transaction Processing Rules • 11 June 2024

• Card Validation Code 1 (CVC 1) Verification in Stand-In must be used for all Cards bearing a

magnetic stripe;

• Dynamic CVC 3 Validation in Stand-In must be used for all contactless-enabled Cards and

Access Devices that support Magnetic Stripe Mode Contactless Transactions; and

• Dynamic AAV Verification in Stand-In must be used for all Mastercard Accounts and all e-

commerce-enabled Maestro Accounts that are enrolled in Mastercard Identity Check, unless

the Mastercard Identity Check AAV Verification Service is used.

NOTE: Modifications to this Rule appear in the "Europe Region," "United States Region," and

"Additional U.S. Region and U.S. Territory Rules" sections at the end of this chapter.

Accumulative Transaction Limits

An Issuer at its option, may use daily Stand-In Processing Service Transaction limits

(“accumulative limits”) for a Card Program that are higher than the applicable default limits set

by the Corporation. Refer to the Stand-In Processing—Accumulative Global Parameters (Form

041f) for the minimum (default) daily accumulative Transaction processing limit applicable to a

particular Card Program.

Chip Cryptogram Validation in Stand-In

An Issuer must use Chip Cryptogram Validation in Stand-In Processing for all of its Chip Card

Programs.

2.2.3 ATM Transaction Requirements for Mastercard Credit Card Issuers

A Mastercard credit Card Issuer must maintain a 70 percent minimum ATM Transaction

approval rate and manage individual denial category rates in compliance with the following

Standards.

Category

Maximum Denial Rate Reason Codes

Invalid PIN 13% 55

Insufficient Funds 10% 51

Invalid Transactions 14% 57

Exceed Limit 9% 61

Restricted Card 4% 62

The Issuer determines the maximum cash withdrawal limits applicable to its Cardholders;

however, the Issuer must permit its Mastercard credit Cardholders to withdraw at least the

equivalent of USD 200 daily if the available credit exists, and there is no other reason to deny

the transactions.

Authorization and Clearing Requirements

Accumulative Transaction Limits

Transaction Processing Rules • 11 June 2024

To accommodate ATM Access Fees and currency conversions, the Issuer must authorize

Transactions up to the equivalent of USD 10 or 10 percent, whichever is greater, more than the

daily Transaction amount limit communicated to the Cardholder.

NOTE: Modifications to this Rule appear in the “Europe Region” section at the end of this chapter.

2.3 Authorization Responses

An Acquirer must comply with the authorization response wait time requirements set forth in

“Maximum Response Times” in Chapter 2 of the Single Message System Specifications and in

“Minimum Authorization Response Wait Time” in Chapter 4 of the Authorization Manual, as

applicable.

An Issuer must comply with the authorization response requirements set forth in “Maximum

Response Times” in Chapter 2 of the Single Message System Specifications manual and in

“Routing Timer Values” in Chapter 5 of the Authorization Manual, as applicable. If the Issuer’s

response is not received within the required time frame, then the Transaction will time out and

be forwarded via Stand-In Processing System or another alternate authorization provider as

specified by the Issuer.

NOTE: Modifications to this Rule appear in the “Europe Region” section at the end of this chapter.

2.4 Performance Standards

An Issuer or Acquirer that fails to meet the Corporation's authorization performance standards

may be subject to the following noncompliance assessments.

Occurrence

Penalty

First occurrence USD 15,000

Second occurrence within the 12-month period following the first

occurrence

USD 15,000

Third and any subsequent occurrence within the 12-month period

following the second occurrence

USD 20,000

After completion of a full calendar year without any violations, a subsequent violation is counted

as a first violation.

2.4.1 Performance Standards—Acquirer Requirements

For Maestro POS Transactions and ATM Transactions, an Acquirer authorization failure rate

that exceeds two percent for two consecutive months is deemed to be substandard

authorization performance. The Acquirer authorization failure rate is based on Transactions

Authorization and Clearing Requirements

2.3 Authorization Responses

Transaction Processing Rules • 11 June 2024

processed through each Acquirer connection to the Interchange System and is calculated by

taking the total number of Transactions declined due to invalid amount or format error divided

by the total number of Transactions. The Acquirer failure rate is not applied until after the

fourth calendar month of operation or upon processing 5,000 Maestro POS Transactions and/or

and ATM Transactions in a calendar month, whichever occurs first.

2.4.2 Performance Standards—Issuer Requirements

An Issuer must comply with the following authorization performance standards.

Issuer Failure Rate (Substandard Level 1)

For Maestro POS Transactions and ATM Transactions, an Issuer authorization failure rate that

exceeds two percent for two consecutive months is deemed to be substandard level 1

performance. The Issuer failure rate is not applied until after the fourth calendar month of

operation or upon processing 5,000 Maestro POS Transactions and/or ATM Transactions in a

calendar month, whichever occurs first.

Issuer Failure Rate (Substandard Level 2)

For Maestro POS Transactions and ATM Transactions, an Issuer authorization failure rate that

exceeds three percent for two consecutive months is deemed to be substandard level 2

performance. The Issuer failure rate is not applied until after the fourth calendar month of

operation or upon processing 5,000 Maestro POS Transactions and/or ATM Transactions in a

calendar month, whichever occurs first.

Calculation of the Issuer Failure Rate

The Issuer authorization failure rate for Maestro POS Transactions and ATM Transactions is

calculated by taking the total number of Transactions declined due to Issuer unavailability,

malfunction, or timeout divided by the total number of Transactions.

NOTE: Modifications to this Rule appear in the “Europe Region” and "United States Region" sections

at the end of this chapter.

2.5 Preauthorizations

A Processed Transaction authorization request is properly identified as a preauthorization when

DE 61 (Point-of-Service [POS] Data), subfield 7 (POS Transaction Status) contains a value of 4.

NOTE: Additions to this Rule appear in the "Asia/Pacific Region" and “Europe Region” sections at the

end of this chapter.

2.5.1 Preauthorizations - Mastercard POS Transactions

An Acquirer is advised to identify a Mastercard POS Transaction authorization request as a

preauthorization if:

1. Authorization is requested for an estimated amount that is greater than zero; or

Authorization and Clearing Requirements

2.4.2 Performance Standards—Issuer Requirements

Transaction Processing Rules • 11 June 2024

2. The Transaction might not be completed for reasons other than technical failure or lack of

full Issuer approval; for example:

a. When the Cardholder will be offered the choice at a later time to complete the

Transaction with another payment means (such as when checking out of a hotel or

returning a rental car);

b. When the products ordered by the Cardholder might be later found to be out of stock;

c. If the mobile phone number for which the Cardholder has requested a top-up is later

found not to exist.

The risk of technical failures, such as telecommunications failure or Terminal failure, should not

be taken into account when determining whether preauthorization coding is appropriate. All

clearing messages corresponding to a preauthorization must be presented within 30 calendar

days of the authorization approval date.

NOTE: An addition to this Rule appears in the "Asia/Pacific Region" section at the end of this chapter.

2.5.2 Preauthorizations - Maestro POS Transactions

A Maestro POS Transaction preauthorization is performed to obtain the Issuer's approval of an

estimated or Cardholder-requested Transaction amount, prior to submission of a request for

authorization of the final amount.

1. The Acquirer must ensure that preauthorizations (in the physical environment) are initiated

using a Card reader, and Cardholder verification method (including "No CVM" for

Contactless Transactions not exceeding the CVM limit).

2. The Issuer must accept all preauthorization completions provided the actual amount of the

completion is less than or equal to the amount approved in the preauthorization. A

preauthorization completion is generated from the original preauthorization response and

without use of the Card reader or a CVM.

3. If the Issuer does not receive a preauthorization completion within 20 minutes of the

preauthorization, the preauthorization approval is void, except as provided for in Rule 4.14

Merchant-approved Maestro POS Transactions or in Rule 2.10.2 Maestro Transactions.

4. The Acquirer is not responsible for preauthorization completions that occurred within two

hours of the initial Transaction that were stored and forwarded because of technical

problems between the Acquirer and the Interchange System, or the Interchange System and

the Issuer.

NOTE: Modifications to this Rule appear in the "Europe Region," "Latin America and the Caribbean

Region," "United States Region," and "Additional U.S. Region and U.S. Territory Rules" sections at the

end of this chapter.

2.5.3 Preauthorizations - ATM and Manual Cash Disbursement Transactions

NOTE: A Rule on this subject appears in the "Europe Region" section at the end of this chapter.

Authorization and Clearing Requirements

2.5.2 Preauthorizations - Maestro POS Transactions

Transaction Processing Rules • 11 June 2024

2.6 Undefined Authorizations

NOTE: This Rule does not apply for China domestic Transactions or in the Asia/Pacific, Europe, or

Middle East/Africa Regions.

A Processed Transaction authorization request is identified as undefined when DE 61 (Point–of–

Service [POS] Data), subfield 7 (POS Transaction status) contains a value of 0 and DE 48,

subelement 61 (POS Data Extended Condition Codes), subfield 5 (Final Authorization Indicator)

contains a value of 0 or is not present.

A Mastercard POS Transaction authorization request may be identified as undefined if:

1. Authorization is requested for an amount greater than zero; and

2. The final Transaction amount may differ from the authorized amount; and

3. The Transaction is not expected to be cancelled after the authorization request is approved

in full by the Issuer (excluding non–completion for technical reasons such as

telecommunications failure or Terminal failure).

All clearing messages corresponding to an undefined authorization must be presented within

seven calendar days of the authorization approval date.

If an Acquirer submits at least 100,000 Domestic Transaction authorization requests per month

to the Interchange System, then the number of undefined Domestic Transaction authorization

requests submitted by the Acquirer in any one month must not exceed 20 percent of its total

Domestic Transaction authorization requests submitted in the same month.

2.7 Final Authorizations

A Processed Transaction authorization request is properly identified as a final authorization

when DE 61 (Point-of-Service [POS] Data), subfield 7 (POS Transaction Status) contains a

value of 0 and DE 48 (Additional Data), subelement 61 (POS Data Extended Condition Codes),

subfield 5 contains a value of 1.

When an Acquirer or Merchant uses the final authorization, then in a dual message

environment:

1. Any Transaction corresponding to an authorization identified as a final authorization must

be presented for clearing within seven calendar days of the authorization approval date; and

2. The presented Transaction amount must equal the authorized amount.

An Acquirer is advised to identify a Mastercard POS Transaction authorization request as a final

authorization if:

1. Authorization is requested for the final Transaction amount; and

2. The Transaction is not expected to be cancelled after the authorization request is approved

in full by the Issuer, except upon Cardholder request or when non-completion is unavoidable

for technical reasons such as telecommunications failure or POS Terminal failure.

Authorization and Clearing Requirements

2.6 Undefined Authorizations

Transaction Processing Rules • 11 June 2024

NOTE: Modifications to this Rule appear in the "Asia/Pacific Region," "Europe Region," and "Middle

East/Africa Region" sections at the end of this chapter.

2.8 Message Reason Code 4808 Chargeback Protection Period

A message reason code 4808 (Authorization–related Chargeback) chargeback protection period

applies to each Mastercard POS Transaction as follows.

Each Mastercard POS Transaction

identified as a...

Has a message reason code 4808 chargeback protection

period of...

Preauthorization 30 calendar days from the authorization approval date

Undefined authorization Seven calendar days from the authorization approval date

Final authorization Seven calendar days from the authorization approval date for

purchase and purchase with cash back Transactions and

effective 12 April 2024, five calendar days from the

authorization approval date for refund Transactions

The Issuer must release any hold placed on the Cardholder’s Account after the expiration of the

message reason code 4808 chargeback protection period for a particular Transaction, at the

latest.

The total authorized amount of a Transaction does not include any amount for which the

message reason code 4808 chargeback protection period has expired. The approved amount of

any authorization with an expired message reason code 4808 chargeback protection period is

deemed to be zero.

No fraud–related or other chargeback rights or Transaction processing requirements are

affected by the message reason code 4808 chargeback protection period, unless otherwise

indicated.

NOTE: Modifications to this Rule appear in the "Asia/Pacific Region" and "Europe Region" sections at

the end of this chapter.

2.9 Multiple Authorizations

NOTE: This Rule does not apply for China Domestic Transactions.

The message reason code 4808 chargeback protection for a properly identified preauthorization of an Acquirer–

financed or Merchant–financed installment billing payment arrangement is not limited in time. Refer to Chapter 4 for

Contactless Transit Aggregated Transaction processing procedures.

Authorization and Clearing Requirements

2.8 Message Reason Code 4808 Chargeback Protection Period

Transaction Processing Rules • 11 June 2024

To extend the duration of the message reason code 4808 chargeback protection period afforded

by an approved preauthorization of a Transaction, a Merchant may later submit an additional

preauthorization request for the same Transaction.

The following requirements apply to Mastercard POS Transactions that are Processed

Transactions when multiple authorizations are processed for a single Transaction:

1. The Acquirer must use a unique identifier from the initial approved authorization of a

Transaction in any additional authorizations requested in connection with the same

Transaction, by populating:

a. DE 48, subelement 63 (Trace ID) of each additional authorization request with the DE

63 (Network Data), subfield 1 (Financial Network Code) and subfield 2 (Banknet

Reference Number) and DE 15 (Date, Settlement) data from the initial approved

Authorization Request Response/0110 message; and

b. Effective 17 October 2025, DE 105 (Multi-Use Transaction Identification Data),

subelement 001 (Transaction Link Identifier [TLID]) of each additional authorization

request with the same value populated in this field in the initial approved Authorization

Request Response/0110 message.

These unique identifiers must also be included in the Transaction clearing record.

2. Upon receipt of the Transaction clearing record, the Issuer must use the unique identifier to

match the original and any additional approved authorizations to the Transaction.

3. Upon matching all authorizations to the clearing record, the Issuer must release any hold

placed on the Cardholder's account in connection with the original and any additional

approved authorizations that is in excess of the Transaction amount.

The use of multiple authorizations for the aggregation of separate Cardholder-initiated

purchases into a single Transaction must only occur as set forth in Rule 5.10, "Mastercard

Micropayment Solution - United States Region Only."

If the additional preauthorization request is for a zero amount, it extends the duration of the

message reason code 4808 chargeback protection period with no change in the total authorized

Transaction amount. If the preauthorization request is for an amount higher than zero, it both

extends the duration of the message reason code 4808 chargeback protection period and

incrementally increases, by the amount of the new preauthorization request, the total

authorized Transaction amount. If the message reason code 4808 chargeback protection period

has already expired, the new preauthorization request must be for the full Transaction amount

rather than an incremental amount.

This option is not available to a Single Message System Acquirer.

NOTE: An addition to this Rule appears in the "Europe Region," "Latin America and the Caribbean

Region," and "Additional U.S. Region and U.S. Territory Rules" sections at the end of this chapter.

Authorization and Clearing Requirements

2.9 Multiple Authorizations

Transaction Processing Rules • 11 June 2024

2.10 Multiple Clearing or Completion Messages

2.10.1 Mastercard and Debit Mastercard Transactions

A Mastercard Dual Message System Acquirer has the option of linking multiple presentments

with partial amounts to one approved authorization identified as either a preauthorization or

final authorization. The following requirements apply to Mastercard and Debit Mastercard

Transactions acquired in the Mastercard Dual Message System:

1. In the First Presentment/1240 message, the Acquirer may populate DE 25 (Message

Reason Code) with either of the following values:

a. 1403 (Previously approved authorization - partial amount, multi-clearing); or

b. 1404 (Previously approved authorization - partial amount, final clearing). This value

indicates that the original authorization is closed; no subsequent clearing messages may

be submitted.

If the final first presentment message submitted for a preauthorized Transaction contains a

value of 1403 in DE 25, and the total authorized amount has not been fully cleared, then the

Acquirer or Merchant must initiate an authorization reversal so that the Issuer may release

any excess hold on funds in the Cardholder's Account.

2. Effective 17 October 2025, the Acquirer must populate DE 105 (Multi-Use Transaction

Identification Data), subelement 001 (Transaction Link Identifier [TLID]) of each First

Presentment/1240 message with the same TLID value received in the original Authorization

Request Response/0110 message or other original message response.

3. Upon receipt of a clearing message containing a value of 1403 or 1404, the Issuer must

match the clearing message to the authorization message by comparing the data contained

in the following fields:

a. DE 63 (Transaction Life Cycle ID), subfield 2 (Trace ID) of the First Presentment/1240

message;

b. DE 63 (Network Data), subfield 2 (Banknet Reference Number) and DE 15 (Date,

Settlement) of the Authorization Request/0100 message; and

c. Effective 17 October 2025, DE 105 (Multi-Use Transaction Identification Data),

subelement 001 (Transaction Link Identifier [TLID]) of each lifecycle message for the

same Transaction.

NOTE: A Debit Mastercard Issuer may receive the value of 1403 or 1404 in DE 60 (Advice Reason

Code), subfield 2 (Advice Reason Detail Code) of a Mastercard Single Message System-generated

Financial Transaction Advice/0220 message.

4. Upon matching a clearing message to an authorization message, the Issuer must adjust any

hold on the availability of funds in the Cardholder's Account in accordance with its standard

Account management practice for cleared amounts:

Authorization and Clearing Requirements

2.10 Multiple Clearing or Completion Messages

Transaction Processing Rules • 11 June 2024

If the clearing message

contains a value of... Then the Issuer is advised to...

1403 Release the hold placed on the Cardholder's Account in connection

with the approved authorization by the amount in DE 6 (Amount,

Cardholder Billing).

1404 Release any unused funds in connection with the approved

authorization.

All multi-clearing messages must be presented within the applicable clearing time frame, in

order to avoid an Authorization-related or Late Presentment chargeback. Refer to Rule 2.8

regarding Authorization-related chargeback time frames and Rule 3.15.1 regarding Late

Presentment chargeback time frames.

2.10.2 Maestro Transactions

NOTE: Rules on this subject appear in the "Latin America and the Caribbean Region" and "Additional

U.S. Region and U.S. Territory Rules" sections at the end of this chapter.

2.11 Full and Partial Reversals

An authorization reversal message is used to reduce the original approved Transaction amount.

A full reversal (where DE 95 [Replacement Amounts], when present, contains a value of zero)

cancels the original authorization request. A partial reversal has a DE 95 value that is less than

the original approved Transaction amount, including in the case of a partial approval. For

example, if a USD 100 authorization request is partially approved for USD 75, then the DE 95

value in a subsequent reversal must not exceed USD 75.

NOTE: Modifications to this Rule appear in the "Europe Region" section at the end of this chapter.

2.11.1 Full and Partial Reversals - Acquirer Requirements

POS Transactions

An Acquirer must support reversals (automatic or otherwise) for the full amount of the original

Transaction authorization request whenever the Acquirer host system is unable to communicate

an authorization response to the POS Terminal.

An Acquirer must ensure that each Reversal Request/0400 or Acquirer Reversal Advice/0420

message submitted that originates from a Merchant corresponds to an original authorization

request message. Effective 17 October 2025, the Acquirer must populate DE 105 (Multi-Use

Transaction Identification Data), subelement 001 (Transaction Link Identifier [TLID]) of each

Reversal Request/0400 and Acquirer Reversal Advice/0420 message with the same TLID value

Authorization and Clearing Requirements

2.10.2 Maestro Transactions

Transaction Processing Rules • 11 June 2024

received in the original Authorization Request Response/0110 or other original message

response.

The Acquirer must ensure that a Merchant submits a Reversal Request/0400 message to the

Issuer within 24 hours of:

• The cancellation of a previously authorized Transaction (for example, the sale was voided or

the Merchant accepted another form of payment); or

• The finalization of a Transaction with a lower amount than previously approved.

The reversal may be a full or partial reversal, as appropriate. In the case of finalization of a

Transaction with a lower amount, a partial reversal is not required if the First Presentment/

1240 message is submitted within 24 hours of finalization of the Transaction.

The reversal requirement does not apply to automated fuel dispenser (MCC 5542) Transactions

or to Contactless transit aggregated or transit debt recovery Transactions.

Notwithstanding the above reversal requirement, the Acquirer must ensure that if a Merchant

cancels a Transaction or finalizes a Transaction for a lower amount than previously approved, no

reversal is submitted if such event occurs:

• More than 30 calendar days after the authorization date for a preauthorization; or

• More than seven calendar days after the authorization date for any other authorization

message.

NOTE: Modifications to this Rule appear in the "Asia/Pacific Region," "Europe Region," and "United

States Region" sections at the end of this chapter.

Refund Transactions

A refund Transaction authorized on the Dual Message System that is not reversed by means of

an Authorization Reversal Request/0400 message must be submitted for clearing within five (5)

days.

A clearing reversal or Single Message System adjustment of a refund Transaction must only be

submitted to correct a documented clerical error and upon agreement of the Issuer. In such an

event, the error must be reversed or adjusted no later than one calendar day after submission of

the Financial Transaction/0200 or First Presentment/1240 message for the refund Transaction.

Reversible clerical errors include, by way of example and not limitation, the erroneous capture of

Transaction data, a duplicate Transaction, or an error caused by the transposition of data.

ATM Transactions

An Acquirer must not automatically generate a full or partial reversal of an authorized ATM

Transaction when the ATM Terminal indicates that the Transaction was not completed because

the Cardholder failed to collect some or all of the cash dispensed.

2.11.2 Full and Partial Reversals - Issuer Requirements

An Issuer receiving a Reversal Request/0400 message or an Acquirer Reversal Advice/0420

message must release any hold placed on funds in the Mastercard or Maestro Account in the

Authorization and Clearing Requirements

2.11.2 Full and Partial Reversals - Issuer Requirements

Transaction Processing Rules • 11 June 2024

amount specified within 60 minutes of matching the reversal message to the original

authorization request message.

To match the reversal to the original approved authorization, the Issuer should use:

• The original authorization trace ID, as populated in DE 48, subelement 63 (Trace ID);

• The original switch serial number, as populated in DE 48, subelement 59, subfield 1 (Original

Switch Serial Number); or

• Effective 17 October 2025, the original authorization TLID, as populated in DE 105 (Multi-

Use Transaction Identification Data), subelement 001 (Transaction Link Identifier [TLID]).

NOTE: Modifications to this Rule appear in the "Europe Region" and "United States Region" sections

at the end of this chapter.

2.11.3 Reversal for Conversion of Approval to Decline

An Acquirer or Merchant may convert an approval authorization request response (herein, an

“Issuer-approved authorization”) into a decline for a Card-not-present (CNP) Mastercard or

Maestro POS Transaction believed, in good faith, by the Acquirer or Merchant to be fraudulent

solely in accordance with the following procedure:

1. The Acquirer or Merchant must determine whether to proceed with a Transaction believed,

in good faith, to be fraudulent within 72 hours of sending the original authorization request

message.

2. Upon deciding not to proceed with the Transaction and still within 72 hours of the original

authorization request, the Acquirer or Merchant must:

a. Generate a reversal message for the full transaction amount that includes a reason

code indicating that the Transaction was declined by the Acquirer or the Merchant due

to perceived fraud,

b. Disclose to the Cardholder that the transaction cannot be completed at that time, and

provide the Cardholder with valid customer service contact information (phone number

or email address) to respond to Cardholder calls or email messages related to the

cancelled order.

The contact information should be that of the Acquirer or Merchant that made the decision not

to proceed with the Transaction. Sharing the specific reasons for the decline is not

recommended or required.

The likelihood that a Transaction is fraudulent typically is determined through fraud screening

and fraud scoring services that involve the storage, transmission or processing of Card or

Transaction data in compliance with the Payment Card Industry Data Security Standard (PCI

DSS). The Acquirer must register any third party provider of such services as a Third Party

Processor (TPP) as described in Chapter 7 of the Mastercard Rules. The systematic decline by an

Acquirer or Merchant of CNP Transactions arising from particular Cards, Issuers, or geographic

locations is a violation of section 5.11.1, "Honor All Cards" of the Mastercard Rules.

Authorization and Clearing Requirements

2.11.3 Reversal for Conversion of Approval to Decline

Transaction Processing Rules • 11 June 2024

2.11.4 Reversal to Cancel Transaction

A single message POS Transaction may be cancelled prior to its completion by use of a

“CANCEL” or “STOP” key on the POS Terminal. If either the Cardholder or Merchant cancels the

Transaction, or a technical failure occurs involving a magnetic stripe Transaction, either before or

after the authorization request has been forwarded to the Issuer, the Cardholder and Merchant

must be informed; there must be no record of a Transaction; and a reversal advice message

must be sent to the Issuer.

If after sending an authorization request, the POS Terminal does not receive a response, the

POS Terminal must ‘time-out’ and send an automatic reversal. In such event, the Cardholder

and Merchant must be informed; the attempted Transaction must be recorded; and a reversal

advice message must be sent to the Issuer with a response code.

2.12 Full and Partial Approvals

The Acquirer and each of its Merchants that support partial approvals must establish an

education program for Merchant staff, including but not limited to POS Terminal operators,

relating to the acceptance of multiple payment methods for a single purchase. A Merchant's

support of partial approvals is indicated with a value of 1 in DE 48, subelement 61, subfield 1

(Partial Approval Terminal Support Indicator) of the authorization request (0100 or 0200)

message.

An Issuer must not respond to a cash withdrawal or purchase with cash back Transaction

authorization request with a partial approval. A cash withdrawal Transaction must be approved

or declined for the amount requested. A purchase with cash back Transaction must be either

approved or declined for the total amount requested (purchase plus cash) or approved for the

purchase amount only.

A Customer must support partial approval as follows:

1. An Issuer must support partial approval for all prepaid Mastercard, all Debit Mastercard

(including prepaid), and all Maestro Account ranges.

2. For each Merchant identified with any of the MCCs listed below, an Acquirer must support

partial approval on Mastercard and Maestro branded prepaid and debit Account ranges.

This requirement applies to Card-present Transactions occurring at attended Terminals and

at Cardholder-activated Terminals (CATs) identified with MCC 5542 (Fuel Dispenser,

Automated) or MCC 5552 (Electric Vehicle Charging).

MCC

Description

5310 Discount Stores

5311 Department Stores

5411 Grocery Stores, Supermarkets

5541 Service Stations (with or without Ancillary Services)

Authorization and Clearing Requirements

2.11.4 Reversal to Cancel Transaction

Transaction Processing Rules • 11 June 2024

MCC Description

5542 Fuel Dispenser, Automated (if authorization occurs prior to fueling)

5552 Electric Vehicle Charging (if authorization occurs prior to charging)

5621 Women’s Ready to Wear Stores

5691 Men’s and Women’s Clothing Stores

5732 Electronic Sales

5812 Eating Places, Restaurants

5814 Fast Food Restaurants

5912 Drug Stores, Pharmacies

5999 Miscellaneous and Specialty Retail Stores

3. For an Acquirer in a Region indicated below, the partial approval support requirement in

item 2 includes the following additional MCCs.

MCC

Description Acquirer Region

4111 Transportation: Suburban and Local Commuter Passenger,

including Ferries

U.S.

4812 Telecommunication Equipment including Telephone Sales Canada, U.S.

4814 Telecommunication Services Canada, U.S.

4816 Computer Network/Information Services Canada, U.S.

4899 Cable, Satellite, and Other Pay Television and Radio Services U.S.

5111 Stationery, Office Supplies U.S.

5200 Home Supply Warehouse Stores Canada, U.S.

5300 Wholesale Clubs U.S.

5331 Variety Stores Canada, U.S.

5399 Miscellaneous General Merchandise Stores U.S.

5499 Miscellaneous Food Stores: Convenience Stores, Markets,

Specialty Stores

Canada, U.S.

5631 Women's Accessory and Specialty Stores Canada

5641 Children's And Infant's Wear Stores Canada

5651 Family Clothing Stores Canada

5661 Shoe Stores Canada

5734 Computer Software Stores Canada, U.S.

5735 Record Shops Canada, U.S.

Authorization and Clearing Requirements

2.12 Full and Partial Approvals

Transaction Processing Rules • 11 June 2024

MCC Description Acquirer Region

5921 Package Stores, Beer, Wine, and Liquor Canada, U.S.

5941 Sporting Goods Stores Canada, U.S.

5942 Book Stores Canada, U.S.

5943 Office, School Supply and Stationery Stores U.S.

5945 Game, Toy, and Hobby Shops Canada

5947 Gift, Card, Novelty, and Souvenir Shops Canada

5977 Cosmetic Stores Canada

7399 Business Services: not elsewhere classified Canada

7829 Motion Picture and Video Tape Production and Distribution U.S.

7832 Motion Picture Theaters U.S.

7841 Video Entertainment Rental Stores U.S.

7996 Amusement Parks, Carnivals, Circuses, Fortune Tellers U.S.

7997 Clubs: Country Clubs, Membership (Athletic, Recreation,

Sports), Private Golf Courses

U.S.

7999 Recreation Services: not elsewhere classified U.S.

8011 Doctors: not elsewhere classified U.S.

8021 Dentists, Orthodontists U.S.

8041 Chiropractors U.S.

8042 Optometrists, Ophthalmologists U.S.

8043 Opticians, Optical Goods, and Eyeglasses U.S.

8062 Hospitals U.S.

8099 Health Practitioners, Medical Services: not elsewhere classified U.S.

8999 Professional Services: not elsewhere classified Canada, U.S.

9399 Government Services: not elsewhere classified Canada, U.S.

NOTE: Modifications to this Rule appear in the "Asia/Pacific," "Canada Region," "Europe Region," and

"Middle East/Africa Region" sections at the end of this chapter.

2.13 Refund Transactions and Corrections

A refund Transaction is a payment processed by a Merchant to a Cardholder’s Account upon the

return of goods or cancellation of services previously purchased by the Cardholder from the

Authorization and Clearing Requirements

2.13 Refund Transactions and Corrections

Transaction Processing Rules • 11 June 2024

Merchant. A refund Transaction may be a dual or single message Transaction and contains a

value of 20 in DE 3 (Processing Code), subfield 1 (Cardholder Transaction Type Code).

A refund Transaction must only be reversed for the purchase Transaction amount or adjusted for

an amount less than the purchase Transaction amount to correct a clerical error. The reversal or

adjustment must occur within one calendar day of the refund Transaction. The Settlement Date

of the Financial Transaction Request/0200 or Central Site Business Date of the First

Presentment/1240 message of the refund Transaction is counted as day zero. Reversible clerical

errors include, by way of example and not limitation, the erroneous capture of Transaction data,

a duplicate Transaction, or an error caused by the transposition of data.

A correction is a single message authorization request containing a value of 20 in DE 3

(Processing Code), subfield 1 (Cardholder Transaction Type Code) that is used in a Card-present

environment following a single message POS Transaction approval to remedy a Merchant or

Cardholder error. A correction must be performed as a Card-read Transaction initiated by or on

behalf of the Cardholder; the Transaction may be completed without a Cardholder verification

method.

NOTE: Modifications to this Rule appear in the “Europe Region” section at the end of this chapter.

2.13.1 Refund Transactions - Acquirer Requirements

Effective 12 April 2024, an Acquirer must support the online authorization of Mastercard, Debit

Mastercard, and Maestro refund Transactions acquired on the Dual Message System (with the

exception of refunds for Contactless transit aggregated Transactions) and enable refund

Transaction authorization service for a Merchant upon request. The Acquirer must forward each

refund Transaction authorization request to the Issuer at the time of the Transaction, rather

than in a batch, so that the Merchant receives the Issuer's response while the Cardholder is at

the POS and before offering the Cardholder a refund Transaction receipt.

The Acquirer must identify a refund Transaction authorization request as a final authorization,

as described in Rule 2.7.

The First Presentment/1240 message of a refund Transaction must be submitted for clearing

within five calendar days of the refund Transaction date, and if authorized, contain refund

Transaction authorization data in DE 63, subfield 2 (Trace ID).

Effective 12 April 2024, an authorized refund Transaction has a message reason code 4808

chargeback protection period of five calendar days from the refund Transaction authorization

approval date.

Effective 18 October 2024, the Acquirer must perform online authorization for refund

Transactions acquired through the Dual Message System.

NOTE: Modifications to this Rule appear in the "Canada Region" and "United States Region" sections

at the end of this chapter.

Authorization and Clearing Requirements

2.13.1 Refund Transactions - Acquirer Requirements

Transaction Processing Rules • 11 June 2024

Original Purchase Identifier

When possible, the Acquirer is recommended to populate DE 48, subelement 63 (Trace ID) of

the refund Transaction authorization request message with a unique identifier from the original

purchase Transaction, consisting of the values in DE 63 (Network Data), subfield 1 (Financial

Network Code); DE 63, subfield 2 (Banknet Reference Number); and DE 15 (Date, Settlement)

of the purchase Transaction authorization approval response message. The presence of this

identifier may assist the Issuer in linking the refund to a prior purchase and help to avoid Credit

Not Processed disputes.

NOTE: Modifications to this Rule appear in the "Asia/Pacific Region" and "Europe Region" sections at

the end of this chapter.

2.13.2 Refund Transactions - Issuer Requirements

For all Mastercard Cards except non-reloadable prepaid Cards, an Issuer must be able to receive

and respond to an Authorization Request/0100 or Financial Transaction Request/0200

message for a refund Transaction.

Response Code Values

An Issuer is advised to provide a value of 00 (Approved or completed successfully) in DE 39

(Response Code) if the Account is open, so that the refund Transaction can be completed.

The following DE 39 values are invalid for refund Transactions and must not be used in the

Issuer's response to a refund Transaction authorization request:

• 10 (Partial approval)

• 51 (Insufficient funds/over credit limit)

An Issuer may only use a value of 57 (Transaction not permitted to issuer/cardholder) in DE 39

for a non-reloadable Prepaid Card Program. An Issuer is advised to register the Prepaid Card

Program as non-reloadable using the Prepaid Card Program registration process on Mastercard

Connect before using this response code value.

An Issuer must not decline a refund Transaction solely due to a message format error, the

absence of a PIN, or the absence of chip-related data.

Posting of Funds to the Cardholder's Account

Within one day of the Issuer's receipt of the First Presentment/1240 message or Financial

Transaction Advice/0220 message for a refund Transaction, the Issuer must post the funds to

the Cardholder's Account or adjust the Account’s "open-to-buy", as applicable. The Issuer may

place a temporary hold on the funds to the extent allowed under applicable law if the Issuer

determines that the circumstances or account history warrant the delay.

With respect to dual message online authorization requests for refund Transactions, the Issuer

is advised:

Authorization and Clearing Requirements

2.13.2 Refund Transactions - Issuer Requirements

Transaction Processing Rules • 11 June 2024

• to ensure that the refund Transaction amount is treated and displayed to the Cardholder as

a pending credit, until the clearing record has been received and matched to the

authorization;

• to clearly communicate that the funds due as a result of a refund Transaction will only be

deposited to the Cardholder's Account upon receipt of such funds by the Issuer; and

• not to release the funds to the Cardholder until the clearing record is received.

Pending Refund Transaction Information

An Issuer must make information about pending refund Transactions available to Cardholders

upon through at least one delivery channel, such as in its online banking or other Cardholder-

facing applications or by means of Transaction alerts. The pending refund information must be

displayed in a manner similar to that used for a pending purchase Transaction.

NOTE: Modifications to this Rule appear in the "Europe Region" section at the end of this chapter.

2.14 Balance Inquiries

The balance inquiry functionality of a Terminal allows a Cardholder to check the available

balance of funds in an Account. Balance inquiries are identified with a value of 30 in DE 3,

subfield 1 of authorization messages.

All Terminals that offer a balance inquiry functionality to debit cardholders of Competing EFT

POS Networks and other competing networks must offer the same balance inquiry functionality

to debit Cardholders.

A Terminal that offers balance inquiry must provide the Cardholder an opportunity to receive a

receipt reflecting (and may also display) Account balance information. Each ATM Terminal and

Bank Branch Terminal must display, as part of the screen information, or must print on the

receipt, the currency symbol of the local currency or three-character alpha ISO country code in

which the balance amount is given, beside each balance inquiry amount.

NOTE: Additions to this Rule appear in the “Europe Region” and “United States Region” sections at the

end of this chapter.

2.15 CVC 2 Verification for POS Transactions

A Merchant must not prompt or otherwise require a Mastercard Cardholder to enter CVC 2

information when a Chip Card or Contactless Payment Device is used to complete a Chip

Transaction at a POS Terminal or MPOS Terminal. This Rule also applies to Mastercard

Consumer-Presented QR Transactions.

Refer to Chapter 3 of the Security Rules and Procedures manual for CVC 2 requirements.

NOTE: An addition to this Rule appears in the “Europe Region” section at the end of this chapter.

Authorization and Clearing Requirements

2.14 Balance Inquiries

Transaction Processing Rules • 11 June 2024

2.16 CVC 3 Verification for Maestro Magnetic Stripe Mode

Contactless Transactions—Brazil Only

NOTE: A Rule on this subject pertaining to Brazil appears in the “Latin America and the Caribbean

Region” section at the end of this chapter.

2.17 Euro Conversion—Europe Region Only

NOTE: A Rule on this subject appears in the “Europe Region” section at the end of this chapter.

2.18 Transaction Queries, Disputes, and Errors

A Customer must have the facilities and ensure the support of processes to handle Transaction

queries, disputes, and chargebacks.

NOTE: A modification to this Rule appears in the “United States Region” section at the end of this

chapter.

2.18.1 Compliance with Dispute Procedures

The Corporation administers procedures set forth in the Chargeback Guide that enable a

Customer to seek redress against another Customer for failure to comply with the Standards

applicable to a Transaction. Any filing by or on behalf of a Customer related to an arbitration

procedure (including any chargeback or re-presentment cycle) or pre-compliance or compliance

procedure must be made in good faith and only after careful review of both the Standards and

available information pertinent to the dispute.

2.19 Chargebacks for Reissued Cards

Upon reissuing a Card with the same primary account number (PAN) and a new expiration date,

the Issuer must include the expiration date in all Transaction chargeback records.

2.20 Correction of Errors

If a Customer has been unjustly enriched because of an error, the Customer must reimburse the

amount with which it has been enriched to the Customer or Customers that have suffered the

corresponding loss.

Authorization and Clearing Requirements

2.16 CVC 3 Verification for Maestro Magnetic Stripe Mode Contactless Transactions—Brazil Only

Transaction Processing Rules • 11 June 2024

2.21 Merchant Payment Gateway Identifier (MPG ID)

An Acquirer must populate the MPG ID field (DE 48, subelement 37 [Additional Merchant Data],

subfield 5 [Merchant Payment Gateway ID] with the MPG ID assigned by the Corporation at the

time of registration of the MPG as a Service Provider, in authorization and advice messages for

all Card-not-present Transactions (excluding MO/TO Transactions) identified with a value of 09,

10, or 81 in DE 22, subfield 1 that are received from the particular MPG. The value 999998 must

be populated in the MGP ID field if the MPG is wholly owned by the Acquirer and so not

registered as a Service Provider. The value 999997 must be populated in the MPG ID field if the

Merchant uses no gateway and connects directly to the Acquirer. This requirement applies to

purchase Transactions, refund Transactions, and Payment Transactions initiated by Merchants

(for example, Gaming Payment Transactions).

If multiple MPGs are involved, the Acquirer must provide the MPG ID of the MPG that sends to

that Acquirer the Transaction data that the Acquirer uses to generate the authorization or

advice message.

Population of the MPG ID in authorization and advice messages for Card-present Transactions

is recommended but not required.

An Issuer must technically support the population of the MPG ID field in authorization and

advice messages for both Card-not-present and Card-present Transactions. No Issuer response

to or handling of the MPG ID is required.

NOTE: A modification to this Rule appears in the "Middle East/Africa Region" section at the end of this

chapter.

2.22 Co-badged Cards - Acceptance Brand Identifier

NOTE: A Rule on this subject appears in the "Europe Region" section at the end of this chapter.

Authorization and Clearing Requirements

2.21 Merchant Payment Gateway Identifier (MPG ID)

Transaction Processing Rules • 11 June 2024

Variations and Additions by Region

The remainder of this chapter provides modifications to the Standards set out in this chapter.

The modifications are organized by region or country and by applicable subject title.

Asia/Pacific Region

The following modifications to the Rules apply in the Asia/Pacific Region or in a particular

Region country or countries. Refer to Appendix A for the Asia/Pacific Region geographic listing.

2.1 Acquirer Authorization Requirements

In the Asia/Pacific Region, the Rule on this subject is modified as follows.

An Acquirer must ensure that any authorization request for an amount greater than zero is

identified as either a preauthorization or as a final authorization.

An Acquirer must support Maestro POS Transactions that access the primary account and may

also allow the Cardholder to select a checking or savings account (“account selection”).

In China, the Rule on this subject is modified as follows.

An Acquirer must be able to transmit a PIN in Preauthorization Request/0100 and Financial

Transaction Request/0200 messages for China Domestic Transactions.

2.1.1 Acquirer Host System Requirements

An Acquirer in the Asia/Pacific Region must ensure that its host systems and those of its Service

Providers support online PIN:

• For China Domestic Transactions occurring at POS Terminals, including MPOS Terminals; and

• Effective 1 April 2023, for Transactions occurring at contactless-enabled POS Terminals in all

other Asia/Pacific Region countries and territories except Japan, Republic of Korea, and

Taiwan.

The following Rule applies to China domestic Transactions only.

An Acquirer and each of its Merchants must support POS Transactions, Payment Transactions,

Refund Transactions, and full reversals when performed to cancel a POS Transaction that the

Acquirer cannot complete due to a technical problem.

The Acquirer may also support the below payment or transfer type transactions:

• China Funds Transfer Transactions

• China Deposit Transactions

An Acquirer must not discriminate.

Authorization and Clearing Requirements

Variations and Additions by Region

Transaction Processing Rules • 11 June 2024

2.2 Issuer Authorization Requirements

In the Asia/Pacific Region, the Rule on this subject is modified as follows.

An Issuer may decline authorization of a Transaction when technical fallback from chip to

magnetic stripe occurred.

For China Domestic Transactions, the Rule on this subject is modified as follows.

In China, when a Chip Card is used to transact at a Hybrid Terminal, the Transaction must be

routed by means of the chip payment application.

2.2.1 Issuer Host System Requirements

In the Asia/Pacific Region, the Rule on this subject is modified as follows.

An Issuer that chooses to enable the purchase with cash back Transaction type for Debit

Mastercard (including prepaid) or Maestro (including prepaid) Account ranges must support the

purchase with cash back Transaction type on its host system interfaces.

A Maestro Card Issuer’s host system interfaces must support POS balance inquiry.

In China, the Rule on this subject is modified as follows.

For China Domestic Transactions, an Issuer’s host system interface must support the online

processing of:

• POS Transactions

• Payment Transactions

• Refund Transactions

• Full Reversal

• Cash withdrawals at ATM Terminals

• Funds Transfer Transactions; and

• Deposit Transactions.

For China Domestic Transactions, in the event that an Issuer does not offer a particular

Transaction message type to its Cardholders, the Issuer must provide a value of 57 indicating

“transaction not permitted to issuer/cardholder” in DE 39 (Response Code) of the online

authorization message.

An Issuer must not discriminate against or discourage the above transaction types in favor of

any other acceptance brand or switch network.

2.3 Authorization Responses

For China Domestic Transactions, the Rule on this subject is modified as follows.

An Acquirer must comply with the authorization response wait time requirements set forth in

"Maximum Response Times" in Chapter 2 of the China Switch Specifications.

An Issuer must comply with the authorization response requirements set forth in "Maximum

Response Times" in Chapter 2 of the China Switch Specifications.

2.5 Preauthorizations

Authorization and Clearing Requirements

2.2 Issuer Authorization Requirements

Transaction Processing Rules • 11 June 2024

2.5.1 Preauthorizations - Mastercard POS Transactions

For China Domestic POS Transactions, the Rule on this subject is modified as follows.

All preauthorization completion corresponding to a preauthorization must be initiated within 30

calendar days of the authorization approval date.

The preauthorization completion amount must be less than or equal to the amount approved in

the corresponding preauthorization.

The Issuer must accept all preauthorization completions provided the actual amount of the

completion is less than or equal to the amount approved in the preauthorization.

2.5.2 Preauthorizations—Maestro POS Transactions

In the Asia/Pacific Region, the Rule on this subject is modified as follows.

The Acquirer is not liable for preauthorization completions that occurred within 20 minutes of

the initial Maestro POS Transaction but were subsequently stored and forwarded because of

technical problems between the Interchange System and the Issuer.

2.7 Final Authorization

In China, a domestic final authorization request is identified in the Financial Transaction

Request/0200 message when DE 61 (Point-of-Service [POS] Data), subfield 7 (POS

Transaction Status) contains a value of 0 and DE 48 (Additional Data), 61 (POS Data), subfield

5 (Final Authorization Indicator) contains a value of 1.

Effective 3 April 2024 for India Domestic Transactions, the Rule on this subject is modified as

follows.

When an Acquirer or Merchant uses the final authorization, then in a dual message

environment:

1. Any Transaction corresponding to an authorization identified as a final authorization must

be presented for clearing within four calendar days of the authorization approval date; and

2. The presented Transaction amount must equal the authorized amount.

2.8 Message Reason Code 4808 Chargeback Protection Period

Effective 3 April 2024 for India Domestic Transactions, the Rule on this subject is modified as

follows.

A message reason code 4808 (Authorization–related Chargeback) chargeback protection period

applies to each Mastercard POS Transaction as follows.

Each Mastercard POS Transaction

identified as a…

Has a message reason code 4808 chargeback protection

period of…

Preauthorization 30 calendar days from the authorization approval date

Final authorization Four calendar days from the authorization approval date

Authorization and Clearing Requirements

2.5.1 Preauthorizations - Mastercard POS Transactions

Transaction Processing Rules • 11 June 2024

2.11.1 Full and Partial Reversals—Acquirer Requirements

POS Transactions

Effective 3 April 2024 for India Domestic Transactions, the Rule on this subject is modified as

follows.

Notwithstanding the above reversal requirement, the Acquirer must ensure that if a Merchant

cancels a Transaction or finalizes a Transaction for a lower amount than previously approved, no

reversal is submitted if such event occurs:

• More than 30 calendar days after the authorization date for a preauthorization; or

• More than four calendar days after the authorization date for any other authorization

message.

2.12 Full and Partial Approvals

In the Asia/Pacific Region, the Rule on this subject is modified as follows.

Issuers and Acquirers are not required to support partial approvals.

2.13 Refund Transactions and Corrections

In China, the China Switch allows the Customer to use the China Dispute Resolution Platform to

manually initiate a refund for a processed domestic Transaction. The Standards in this manual

applicable to a refund Transaction will also apply to a domestic manual refund Transaction.

2.13.1 Refund Transactions - Acquirer Requirements

For China Domestic Transactions, the Rule on this subject is modified as follows.

Effective 12 April 2024, an Acquirer must support the online authorization of Mastercard, Debit

Mastercard, and Maestro refund Transactions acquired on the Dual Message System (with the

exception of refunds for Contactless transit aggregated Transactions) and enable refund

Transaction authorization service for a Merchant upon request. The Acquirer must forward each

refund Transaction authorization request to the Issuer at the time of the Transaction, rather

than in a batch, so that the Merchant receives the Issuer’s response while the Cardholder is at

the POS and before offering the Cardholder a refund Transaction receipt.

Original Purchase Identifier

The Acquirer must follow the requirements as per the table below for population of the Original

Purchase Identifier. The presence of this identifier may assist the Issuer in linking the refund to a

prior purchase and help to avoid Credit Not Processed disputes.

Authorization and Clearing Requirements

2.11.1 Full and Partial Reversals—Acquirer Requirements

Transaction Processing Rules • 11 June 2024

If the online refund Transaction

occurs… The Acquirer…

Within 180 days from the original

Transaction date

The Acquirer must populate DE 48, subelement 59 (Original

Network Reference Number) of the refund Transaction

authorization request message with unique identifier from the

original purchase Transaction, consisting of the values in DE 63

(Network Data), subfield 3 (Network Reference Number); and DE

15 (Date, Settlement) of the purchase of the Transaction

authorization approval response message.

After 180 days from the original

Transaction date

The Acquirer is strongly recommended to populate DE 48,

subelement 59 (Original Network Reference Number) of the

refund Transaction authorization request message with unique

identifier from the original purchase Transaction, consisting of the

values in DE 63 (Network Data), subfield 3 (Network Reference

Number); and DE 15 (Date, Settlement) of the purchase of

Transaction authorization approval response message.

Canada Region

The following modifications to the Rules apply in the Canada Region. Refer to Appendix A for

the Canada Region geographic listing.

2.1 Acquirer Authorization Requirements

2.1.1 Acquirer Host System Requirements

The Acquirer of a Merchant located in the Canada Region must ensure that its host system and

those of its Service Providers:

• Are capable of processing Domestic Debit Mastercard Transactions; and

• Populates the value of Y in DE 48 (Additional Data—Private Use), subelement 18 (Service

Parameters), subfield 01 (Canada Domestic Indicator) of the Authorization Request/0100

message for each Mastercard Transaction initiated at Merchants that have provided consent

to accept domestically issued Debit Mastercard Cards.

Initiating a Domestic Debit Mastercard Transaction that contains the Y, a Canada Region

Acquirer affirms that the Merchant has agreed to accept domestically issued Debit Mastercard

Cards.

2.2 Issuer Authorization Requirements

In the Canada Region, the Rule on this subject is modified as follows.

An Issuer must decline authorization of a Transaction conducted in the Canada Region when

technical fallback from chip to magnetic stripe occurred.

Authorization and Clearing Requirements

Canada Region

Transaction Processing Rules • 11 June 2024

2.12 Full and Partial Approvals

In the Canada Region, the Rule on this subject is modified as follows.

1. An Issuer must support partial approval for all prepaid Mastercard and all Debit Mastercard

Accounts.

2. An Acquirer must support partial approval for Card-present Transactions occurring at a

Merchant in a category listed in Rule 2.12 with a Debit Mastercard or prepaid Mastercard

Account range.

2.13 Refund Transactions and Corrections

2.13.1 Refund Transactions - Acquirer Requirements

In the Canada Region, the requirement for an Acquirer to perform online authorization for

refund Transactions acquired through the Dual Message System does not apply.

Europe Region

The following modifications to the Rules apply in the Europe Region or in a particular Region

country or countries. Refer to Appendix A for the Europe Region, Non-Single European Payments

Area (Non-SEPA) and Single European Payments Area (SEPA) geographic listing.

2.1 Acquirer Authorization Requirements

In the Europe Region, the Rule on this subject is modified as follows.

An Acquirer must ensure that any authorization request for an amount greater than zero is

identified as either a preauthorization or as a final authorization.

The reference to the Single Message System does not apply in the EEA.

Strong Customer Authentication (SCA) Requirements

If the Issuer and the Acquirer are located in an SCA Country, but the Merchant is not, EMV 3DS

authentication requests must include the Mastercard "Merchant Data" EMV 3DS Message

Extension, with Field 3 containing the Acquirer country code. In other cases, it is recommended

to provide the Acquirer country code in the Mastercard "Merchant Data" EMV 3DS Message

Extension Field 3.

The Issuer and its Access Control Server are advised to use the Acquirer country code in the

Mastercard "Merchant Data" EMV 3DS Message Extension Field 3 to determine if SCA is

required. If the Acquirer country is not provided, the Issuer is advised to use the Merchant

country to determine if SCA is required.

Authentication Outage Exception

The following Rules apply to Intracountry and Cross-border Transactions within and between

SCA Countries.

Authorization and Clearing Requirements

2.12 Full and Partial Approvals

Transaction Processing Rules • 11 June 2024

An Acquirer may permit a Merchant to use the Authentication Outage Exception flag in

authorization request messages. The Merchant must first attempt use of a suitable exemption

(subject to the Acquirer's approval) before resorting to the Authentication Outage Exception.

The Acquirer must ensure that the Merchant does not misuse the Authentication Outage

Exception as a means to bypass authentication. Authentication failure must persist for at least

five minutes, leading all authentications to fail (i.e., no attempt responses provided) before the

Authentication Outage Exception is used. Authentication must be resumed as soon as the

outage is resolved. The Acquirer must promptly provide full and clear evidence of the outage

upon the Corporation's request.

The Authentication Outage Exception must in no case be used for a Transaction or an Account

status inquiry that sets up Merchant-initiated Transactions or recurring payment arrangements.

A Transaction completed using the Authentication Outage Exception is not protected from

fraud-related chargebacks.

For the authorization of a Remote Electronic Transaction, authentication using EMV 3DS and

Identity Check is required and may be omitted only if an Acquirer exemption to SCA applies or if

another SCA compliant method is used (e.g., alternative technical SCA solution delegation to

the Merchant), or exemption under Article 17 of the PSD2 RTS (or corresponding legislation)

applied with the Merchant's knowledge.

When SCA by the Issuer is not required, or when it has been delegated, or when SCA has been

omitted, the Merchant must provide to the Acquirer the reason for omitting authentication (e.g.,

exemption or exclusion). The Merchant must not forward a Remote Electronic Transaction

without providing the reason for omitting authentication. The Acquirer must indicate the reason

for the exemption or exclusion in the appropriate field of the authorization message as specified

by the registered switch of its choice. The Acquirer must not submit the authorization request

without indicating the reason for omitting authentication.

An Acquirer which allows its e-commerce Merchants to request a Transaction Risk Analysis

(TRA) exemption must set the TRA exemption flag for such Merchants when registering them

for the Identity Check Program in the Identity Solutions Services Management (ISSM) tool.

In order to optimize authorization approval rates for Transactions that benefit from an Acquirer

exemption, a Merchant is advised to send an EMV 3DS authentication request with the Acquirer

exemption flag.

Both Acquirers and Issuers must support the Acquirer exemption flag in EMV 3DS

authentication requests as follows:

• In EMV 3DS version 2.1, Challenge Indicator value 02/No Challenge and Mastercard

"Merchant Data" EMV 3DS Message Extension Field 1 (SCA Exemptions) with value 05/No

SCA Requested, Transaction Risk Analysis performed.

• Effective with EMV 3DS version 2.2, Challenge Indicator value 05/No SCA Requested,

Transaction Risk Analysis performed.

An Acquirer of e-commerce Merchants that accept corporate Cards, and an Issuer of such Cards

must support the Mastercard "Merchant Data" EMV 3DS Message Extension flag in EMV 3DS

authentication requests. This flag indicates if the conditions for the exemption under Article 17

of the PSD2 RTS (or corresponding legislation) are met, so that this exemption can be applied

Authorization and Clearing Requirements

2.1 Acquirer Authorization Requirements

Transaction Processing Rules • 11 June 2024

by the Issuer. The flag is in the Mastercard "Merchant Data" EMV 3DS Message Extension Field

4 (Secure Corporate Payment).

Account Status Inquiry (ASI) Requests

In the EEA, UK and Gibraltar, the Rule on this subject is modified as follows.

References to ASI request messages and data fields are replaced by the corresponding message

type and data fields of the registered switch of the Customer's choice.

Echoing of Transaction Link ID

In the EEA, UK, and Gibraltar, the Rule on this subject is modified as follows.

References to authorization messages and data fields are replaced by the corresponding

message types and data fields of the registered switch of the Customer's choice.

2.2 Issuer Authorization Requirements

In the EEA, UK and Gibraltar, the Rule on this subject is modified as follows.

An Issuer must indicate that the Transaction type is not permitted to the Cardholder in the field

of the authorization response and using the values specified by the registered switch of the

Issuer's choice.

SCA Requirements

The following Rules apply to Intracountry and Cross-border Transactions within and between

SCA Countries.

An Issuer must be able to process the Low Risk Merchant Indicator in authorization request

messages, as specified by the registered switch of the Customer's choice.

If the Low Risk Merchant Indicator is present and populated in the authorization message, then

the Issuer must neither automatically decline the authorization request nor require the

Cardholder to authenticate the Transaction unless: a) its Transaction monitoring suggests a

high risk of fraud, or b) in the case of a low-value payment, the Transaction counters are

exceeded.

If an authentication request contains the Acquirer exemption flag or the delegation flag, the

Issuer must neither automatically decline the authentication request nor require the Cardholder

to authenticate the Transaction unless: a) its Transaction monitoring suggests a high risk of

fraud, or b) in the case of a low-value payment, the Transaction counters are exceeded.

An Issuer that requires authentication for more than 10% of authorization requests which

indicate the application of an Acquirer exemption or SCA delegation will be automatically

enrolled in the Smart Authentication Direct for Acquirer Exemption (SADAE) service.

Authentication Outage Exception

An Issuer must be able to receive and process the Authentication Outage Exception flag in

authorization messages. It is recommended that the Issuer indicate clearly in the authorization

Authorization and Clearing Requirements

2.2 Issuer Authorization Requirements

Transaction Processing Rules • 11 June 2024

response whether or not the Merchant should attempt authentication at a later time when the

outage is resolved.

Account Status Inquiry (ASI) Requests

In the EEA, UK and Gibraltar, the Rule on this subject is modified as follows. References to ASI

request messages and data fields are replaced by the corresponding message type and data

fields of the registered switch of the Customer's choice.

2.2.2 Stand-In Processing Service

In the Europe Region, the Rule on this subject is modified as follows.

For all of its Maestro and Cirrus Card Programs, an Issuer must use the Stand-In Processing

Service. This requirement does not apply if the Issuer commenced its use of an alternative on-

behalf authorization service before 17 September 2008 and such service meets the

Corporation’s performance standards as set forth in Rule 2.4.2. Stand-In Parameters for

Maestro and Cirrus Card Programs must be set at or above the Corporation's default limits.

The requirement to use CVC 1 Verification in Stand-In service, does not apply to Maestro Chip-

only Cards, as such term is defined in section 6.11, "Maestro Chip-only Card Programs,"

Chapter 13 of the Mastercard Rules.

In the EEA, UK and Gibraltar, the Rule on this subject is modified as follows.

An Issuer is not required to participate in the Stand-in Processing Service unless so required by

the registered switch of the Issuer's choice.

The registered switch of the Issuer's choice must provide a back-up service that is able to

approve authorization requests on the Issuer's behalf. The Stand-in Processing Service may be

used for this purpose. The Issuer must set its parameters in the back-up service of its chosen

switch at or above the default limits established by the Corporation for Mastercard, Maestro

and Cirrus Card Programs.

Smart Authentication Stand-In

An Issuer in Armenia, Azerbaijan, Belarus, Israel, Georgia, Kazakhstan, Kyrgyzstan, Tajikistan,

Russian Federation (except domestic authentication processed by NSPK), Switzerland, Turkey,

Turkmenistan, or Uzbekistan must participate in Smart Authentication Stand-In. Issuers in all

other Europe Region countries must participate in Smart Authentication Stand-In or an

alternative authentication stand-in solution.

2.2.3 ATM Transaction Requirements for Mastercard Credit Card Issuers

In the EEA, UK and Gibraltar, the Rule on this subject is modified as follows.

The decline reason codes in the table in this Rule are replaced by the corresponding reason codes

specified by the registered switch of the Issuer's choice.

2.3 Authorization Responses

In the Europe Region, the Rule on this subject is modified as follows.

Authorization and Clearing Requirements

2.2.2 Stand-In Processing Service

Transaction Processing Rules • 11 June 2024

An Issuer must comply with the authorization response requirements set forth in “Routing Timer

Values” in Chapter 5 of the Authorization Manual. If the Issuer’s response is not received within

the required time frame, then the Transaction will time out and be forwarded via the Stand-In

Processing System or, when permitted under Rule 2.2.2, another alternate authorization

provider as specified by the Issuer.

2.4 Performance Standards

2.4.2 Performance Standards—Issuer Requirements

In the Europe Region, the Rule on this subject is replaced with the following.

For all Transactions, an Issuer authorization failure rate that exceeds one percent for two

months in any six-month period is deemed to be substandard performance. The Issuer failure

rate is not applied until after the Issuer’s fourth calendar month of operation or upon the

Issuer’s processing of 5,000 Transactions in a calendar month, whichever occurs first. The Issuer

failure rate is calculated by taking the sum of ISO 8583 response codes 31—issuer signed off, 82

—time out at Issuer host, and 96—system malfunction, and dividing by the total number of

Transactions processed through the Issuer connection to the Interchange System.

An Issuer that has been designated as having substandard performance:

1. May be subject to noncompliance assessments as set forth in Rule 2.4; and

2. Will be mandated to implement the Stand-In Processing Service. Chip Issuers mandated to

implement the Stand-In Processing Service will also be required to register for M/Chip

Cryptogram Validation in Stand-In.

2.5 Preauthorizations

In the Europe Region, the Rule on this subject is modified as follows.

In a dual message environment, the Acquirer must identify each Processed Transaction

authorization request as either a preauthorization or a final authorization.

Preauthorizations occurring at an automated fuel dispenser and identified with MCC 5542

(Automated Fuel Dispenser) must be performed as described in Rule 4.10.1.

Preauthorizations occurring at an electric vehicle charging station and identified with MCC

5552 (Electric Vehicle Charging) must be performed as described in Rule 4.10.2.

In the EEA, UK and Gibraltar the Rule on this subject is modified as follows.

The authorization request must be identified as a preauthorization in the field and with the

value specified by the registered switch of the Issuer’s choice.

2.5.2 Preauthorizations—Maestro POS Transactions

In the Europe Region, the Rule on this subject is modified as follows.

Preauthorizations are permitted for Card-not-present Maestro POS Transactions when

completed in accordance with the requirements set forth below. Preauthorizations are not

permitted for Maestro POS Transactions conducted in any Card-present environment, with the

Authorization and Clearing Requirements

2.4 Performance Standards

Transaction Processing Rules • 11 June 2024

exception of automated fuel dispenser Transactions, electric vehicle charging Transactions, and

Contactless transit aggregated Transactions.

As an exception to the preceding Rule, preauthorizations for an estimated maximum amount

are permitted for Maestro POS Transactions conducted in a Card-present environment, at

vending machines located in the Netherlands and Switzerland that are identified with MCC

5499 (Miscellaneous Food Stores—Convenience Stores, Markets, Specialty Stores). The Acquirer

must inform the Issuer of the final Transaction amount via an advice message, which must be

sent to the Issuer within 20 minutes of the authorization response message.

Issuers in the Netherlands and Switzerland, respectively, must be able to receive the advice

message and must post the Transaction to the Cardholder’s Account on the basis of the advice

message, rather than the preauthorization response. Support of Maestro preauthorizations at

vending machines in the Netherlands and Switzerland is optional for Issuers in other countries.

The Acquirer must ensure that the authorization request for a Card–not–present Maestro POS

Transaction for an amount greater than zero is identified as a preauthorization if:

1. Authorization is requested for an estimated amount; or

2. The Transaction might not be completed for reasons other than technical failure or lack of

full issuer approval; for example:

a. When the Cardholder will be offered the choice at a later time to complete the

Transaction with another payment means (such as when checking out of a hotel or

returning a rental car);

b. When the products ordered by the Cardholder might be later found to be out of stock;

c. If the mobile phone number for which the Cardholder has requested a top-up is later

found not to exist.

The risk of technical failures, such as telecommunications failure or Terminal failure, should not

be taken into account to determine if an authorization must be coded as a preauthorization.

Any Card–not–present Maestro POS Transaction clearing message corresponding to a

preauthorization must be presented within seven calendar days of the authorization approval

date. The presented Transaction amount must equal the approved amount.

2.5.3 Preauthorizations—ATM and Manual Cash Disbursement Transactions

In the Europe Region, the Acquirer must ensure that any ATM Transaction or Manual Cash

Disbursement Transaction authorization request for an amount greater than zero is identified

as a preauthorization if:

1. Authorization is requested for an estimated amount; or

2. The Transaction might not be completed for reasons other than technical failure or lack of

full issuer approval; for example, if the mobile phone number for which the Cardholder has

requested a top–up is later found not to exist.

The risk of technical failures, such as telecommunications failure or Terminal failure, should not

be taken into account to determine if an authorization must be coded as a preauthorization.

Authorization and Clearing Requirements

2.5.3 Preauthorizations—ATM and Manual Cash Disbursement Transactions

Transaction Processing Rules • 11 June 2024

Any ATM Transaction or Manual Cash Disbursement Transaction corresponding to an

authorization identified as a preauthorization must be presented within seven calendar days of

the authorization approval date. The presented Transaction amount must equal the authorized

amount.

2.7 Final Authorizations

In the Europe Region, the Rule on this subject is modified as follows.

The Acquirer must ensure that when an authorization request for an amount greater than zero

is identified as a final authorization:

1. The Transaction may no longer be cancelled and must not be reversed after the

authorization request is approved in full by the Issuer, except upon Cardholder request or

when non-completion is unavoidable for technical reasons such as telecommunications

failure or POS Terminal failure; and

2. The authorization being requested is for the final Transaction amount.

In the EEA, UK and Gibraltar, the Rule on this subject is modified as follows.

The authorization request must be identified as a final authorization in the field and with the

value specified by the registered switch of the Issuer's choice.

2.8 Message Reason Code 4808 Chargeback Protection Period

In the Europe Region, the Rule on this subject is modified as follows.

The following message reason code 4808 (Authorization–related Chargeback) chargeback

protection periods apply with respect to each approved authorization.

Each approved…

Has a message reason code 4808 chargeback

protection period of…

Preauthorization of a Mastercard POS

Transaction

Thirty (30) calendar days from the authorization

approval date

Preauthorization of a Maestro POS Transaction,

ATM Transaction, or Manual Cash Disbursement

Transaction

Seven (7) calendar days from the authorization

approval date

Final authorization Seven (7) calendar days from the authorization

approval date

The message reason code 4808 chargeback protection for a properly identified preauthorization of an Acquirer-

financed or Merchant-financed installment billing payment arrangement is not limited in time. Refer to Chapter 4 for

Contactless Transit Aggregated Transaction processing procedures.

Authorization and Clearing Requirements

2.7 Final Authorizations

Transaction Processing Rules • 11 June 2024

2.9 Multiple Authorizations

In the Europe Region, the Rule on this subject applies to both Mastercard POS Transactions and

Maestro POS Transactions.

Upon receipt of the Transaction clearing record, the Issuer must use the unique identifier to

match the initial and any additional approved preauthorizations to the Transaction.

In the EEA, UK and Gibraltar, the Rule on this subject is additionally modified as follows.

The Acquirer must populate a unique identifier from the initial approved authorization of a

Transaction in the appropriate field of additional authorizations and of the Transaction clearing

record, in accordance with the specifications of the registered switch of the Acquirer’s choice.

2.11 Full and Partial Reversals

In the EEA, UK and Gibraltar, the Rule on this subject is modified as follows.

References to Reversal Request/0440 and Acquirer Reversal Advice/0420 messages are

replaced by the corresponding message types of the registered switch of the Customer’s choice.

2.11.1 Full and Partial Reversals - Acquirer Requirements

In the Europe Region, the Rule on this subject is modified as follows.

With respect to POS Transactions and Merchandise Transactions, the Acquirer or Merchant

must submit a reversal message to the Issuer within 24 hours of:

• The cancellation of a previously authorized Transaction, or

• The finalization of a Transaction with a lower amount than previously approved.

The reversal may be a full or partial reversal, as appropriate. In the case of finalization of a

Transaction with a lower amount, a partial reversal is not required if the clearing message is

submitted within 24 hours of finalization of the Transaction.

The reversal requirement does not apply to Transactions occurring at a Merchant identified with

MCC 5542 (Fuel Dispenser, Automated) or to Contactless transit aggregated Transactions or

transit debt recovery Transactions.

The requirement for the Acquirer to ensure that a Merchant submits a reversal within 30

calendar days for a preauthorization or seven calendar days for a final authorization does not

apply in the Europe Region.

The Acquirer of a Merchant located in Italy that is identified with an MCC listed in the table

below and that accepts Mastercard or Debit Mastercard Cards must support full and partial

reversals performed at the POI and whenever, for technical reasons, the Acquirer is unable to

communicate the authorization response to the Merchant, for all prepaid Debit Mastercard and

all prepaid Mastercard Card Account ranges:

MCC

Description

5310 Discount Stores

Authorization and Clearing Requirements

2.9 Multiple Authorizations

Transaction Processing Rules • 11 June 2024

MCC Description

5311 Department Stores

5411 Grocery Stores, Supermarkets

5541 Service Stations (with or without Ancillary Services)

5542 Fuel Dispenser, Automated

5621 Women’s Ready to Wear Stores

5691 Men’s and Women’s Clothing Stores

5732 Electronic Sales

5812 Eating Places, Restaurants

5814 Fast Food Restaurants

5912 Drug Stores, Pharmacies

5999 Miscellaneous and Specialty Retail Stores

2.11.2 Full and Partial Reversals—Issuer Requirements

In Italy, the Rule on this subject is modified as follows.

An Issuer in Italy must support full and partial reversals for all prepaid Mastercard and all

prepaid Debit Mastercard Card Account ranges.

2.12 Full and Partial Approvals

In the Europe Region, the Rule on this subject is modified as follows.

A Customer must support partial approvals at Merchants identified with MCC 5542 (Fuel

Dispenser, Automated) for all Mastercard Account ranges if the Customer supports partial

approvals for Maestro or any other debit brand, as described in Rule 4.10.1.

A Customer must support partial approvals on Mastercard and Maestro if it supports them on

other brands, for the same product types and Merchant types as on the other brands. To the

extent that support for partial approvals is not required on other brands, then it is not required

on Mastercard or Maestro, with the exception of support at Merchants identified with MCC

5542 as set out in the preceding paragraph.

In Ukraine, the Rule on this subject is modified as follows:

Effective 1 July 2023, all Issuers must support and participating Acquirers may offer partial

approval on Mastercard, Debit Mastercard, and Maestro Account ranges. This requirement

applies to Card-present Transactions occurring at attended POS Terminals and Card-not

present Transactions.

In Moldova, the Rule on this subject is modified as follows:

Authorization and Clearing Requirements

2.11.2 Full and Partial Reversals—Issuer Requirements

Transaction Processing Rules • 11 June 2024

Effective 1 January 2024, all Issuers must support and participating Acquirers may offer partial

approvals on Mastercard, Debit Mastercard, and Maestro Account ranges, for Card-present

Transactions occurring at attended POS Terminals and Card-not present (CNP) Transactions.

2.13 Refund Transactions and Corrections

2.13.1 Refund Transactions—Acquirer Requirements

In the EEA, UK, and Gibraltar, the Rule on this subject is modified as follows.

References to First Presentment/1240 messages are replaced by the corresponding message

type of the registered switch of the Customer’s choice.

2.13.2 Refund Transactions—Issuer Requirements

In the EEA, UK, and Gibraltar, the Rule on this subject is modified as follows.

References to Authorization Request/0100 messages and data fields are replaced by the

corresponding message type and data fields of the registered switch of the Customer’s choice.

2.14 Balance Inquiries

In the Europe Region, the Rule on this subject is modified as follows.

It is strongly recommended that an Issuer in the Europe Region support domestic, inter-

European, and intra-European balance inquiries conducted at ATM Terminals.

If an Issuer provides balance inquiries for its Cardholders at its own ATM Terminals, it must also

support balance inquiries at the ATM Terminals of other Customers in the Europe Region. An

Issuer may distinguish among Cards according to their category (for example, debit, credit).

In the EEA, UK and Gibraltar, the Rule on this subject is modified as follows.

A balance inquiry must be identified in the message type and field and with the value specified

by the registered switch of the Customer's choice.

2.15 CVC 2 Verification for POS Transactions

In Ireland and France, the following applies to Maestro Intracountry POS Transactions:

If an Issuer receives CVC 2 data in the authorization request and it is invalid (for example, the

CVC 2 field is not blank and the data does not match the data held on the Issuer’s records), the

authorization request must be declined. The Issuer cannot use a fraud-related message reason

code to charge back a Transaction after approving an authorization request for the Transaction

that contained invalid CVC 2 data.

In the EEA, UK and Gibraltar, the Rule on this subject is modified as follows.

The value indicating a non-match of the CVC 2 must be populated in the field and with the

value specified by the registered switch of the Customer’s choice.

Authorization and Clearing Requirements

2.13 Refund Transactions and Corrections

Transaction Processing Rules • 11 June 2024

2.17 Euro Conversion

In the Europe Region, Transactions submitted into interchange that take place in countries that

convert to the euro must be submitted in the euro. To allow a grace period for exceptional cases,

the Interchange System will not reject Transactions submitted in currencies that have been

replaced by the euro within six months after the transition period.

Within this six-month period, an Issuer may not reject or charge back Transactions submitted in

currencies that the euro has replaced exclusively on grounds that such Transactions have not

been submitted in euro.

2.22 Co-badged Cards - Acceptance Brand Identifier

The following Rules apply for Intracountry POS Transactions in Serbia, Bosnia and Herzegovina,

North Macedonia, Gibraltar, the United Kingdom, and EEA countries and for Cross-border POS

Transactions between Serbia, Bosnia and Herzegovina, North Macedonia, Gibraltar, the United

Kingdom and an EEA country, and for Intra-EEA POS Transactions completed on Cards that are

co-badged with another payment scheme than Mastercard or Maestro at Merchants that

accept the other payment scheme as well as Mastercard and/or Maestro.

All Transactions

When the acceptance brand is Mastercard or Maestro, the Customer must ensure that the

acceptance brand selected by the Cardholder at the POI is accurately captured and recorded for

each Transaction.

If the acceptance brand selected by the Cardholder is not transported or available, then the

Transaction must be identified as Mastercard or Maestro if the Card or Account was issued

under a BIN or BIN range assigned to the Corporation.

The Corporation has the right to review the selected acceptance brand when auditing a

Customer's Transaction records, for example if reported volumes seem to be inaccurate.

Chip Transactions

A Chip Transaction is a Mastercard or Maestro Transaction when an acceptance brand identifier

that uniquely relates to Mastercard or Maestro is sent by the Terminal to the Acquirer. The

acceptance brand identifier is transmitted in the Dedicated File Name (DF Name).

All chip-capable Terminals must capture and transmit the DF Name when the Chip Transaction

is a Mastercard or Maestro Transaction.

An Acquirer must itself transport, and must ensure that the registered switch of its choice

transports, the DF Name to the Issuer in the authorization and clearing message for a

Mastercard or Maestro Chip Transaction.

Each Customer must store the DF Name along with other Transaction data and must rely on

the DF Name to identify that a Chip Transaction is a Mastercard or Maestro Transaction.

Authorization and Clearing Requirements

2.17 Euro Conversion

Transaction Processing Rules • 11 June 2024

Electronic Commerce Transactions

The Acquirer and Merchant must rely on the acceptance brand selected by the Cardholder to

identify that a Transaction is a Mastercard or Maestro Transaction.

An Acquirer must itself transport, and must ensure that the registered switch of its choice

transports, the acceptance brand to the Issuer in the authorization and clearing message for a

Mastercard or Maestro Transaction.

Each Customer must store the acceptance brand along with other Transaction data and must

rely on the acceptance brand to identify that a Transaction is a Mastercard or Maestro

Transaction.

Latin America and the Caribbean Region

The following modifications to the Rules apply in the Latin America and the Caribbean Region.

Refer to Appendix A for the Latin America and the Caribbean Region geographic listing.

2.2 Issuer Authorization Requirements

2.2.1 Issuer Host System Requirements

In Colombia and Venezuela, an Issuer that chooses to enable the purchase with cash back

Transaction type for Debit Mastercard (including prepaid) or Maestro (including prepaid)

Account ranges must support the purchase with cash back Transaction type on its host system

interfaces.

2.5 Preauthorizations

2.5.2 Preauthorizations - Maestro POS Transactions

In Brazil, the Rule on this subject is modified as follows.

Each Card-not-present Maestro POS Transaction preauthorization initiated with a debit Card

issued in Brazil and used at a Merchant located in Brazil is valid for a period of seven (7)

calendar days from the preauthorization approval date. Additional preauthorization requests

may be submitted to extend the validity period or increase the authorized amount, as described

in Rule 2.9 Multiple Authorizations of this Latin America and the Caribbean Region section.

2.9 Multiple Authorizations

In Brazil, the Rule on this subject is modified as follows with respect to Card-not-present

Maestro POS Transactions initiated with a debit Card issued in Brazil at a Merchant located in

Brazil.

Following Issuer approval of the initial preauthorization request, a Merchant may submit one or

more additional preauthorization requests for the same Card-not-present Maestro POS

Transaction, subject to the following conditions:

Authorization and Clearing Requirements

Latin America and the Caribbean Region

Transaction Processing Rules • 11 June 2024

1. The original and each additional preauthorization request for the same Transaction is valid

for a period of seven (7) calendar days from the authorization approval date.

2. Each additional approved preauthorization:

a. If submitted for a zero amount, extends the authorization validity period with no change

to the total authorized Transaction amount; and

b. If submitted for a non-zero amount, both extends the authorization validity period

and incrementally increases the total authorized Transaction amount.

3. If an additional preauthorization request is declined, then the most recent previously

approved preauthorization remains valid. For example, if the Issuer approved the original

BRL 100 preauthorization request on June 1 and declined an additional BRL 25

preauthorization request on June 7, then the Transaction must be completed by June 8

(when the original preauthorization expires) for BRL 100 (the original approved amount).

4. If any preauthorization request expires before the Transaction completion message is sent,

then the Merchant or Acquirer must initiate a new original preauthorization request for the

Transaction.

The processing of multiple preauthorization requests for the same Maestro POS Transaction

must occur as follows.

Preauthorization Message

(0200/0210) The Acquirer provides:

The Mastercard Network

populates:

Preauth1 (original

preauthorization message)

In DE 4 (Amount, Transaction),

the original preauthorization

request amount

The authorization date in DE 15

(Date, Settlement) and the

switch serial number [SSN] in DE

63 (Network Data)

Preauth2 (first additional

preauthorization message for the

same Transaction)

• In DE 4, the additional

amount being authorized, or a

zero amount (to extend the

authorization validity without

increasing the authorized

amount)

• In DE 15 and DE 63, the same

values as received in the

Preauth1 0210 message

• Preauth2 authorization date

in DE 15

• Preauth2 SSN in DE 63

• Preauth1 SSN in DE 48

subelement 59 (Original

Switch Serial Number)

• In DE 54 (Amounts,

Additional), subfield 2

(Amount Type), the value of

92 and in subfield 5 (Amount),

the total cumulative

authorized amount

Authorization and Clearing Requirements

2.9 Multiple Authorizations

Transaction Processing Rules • 11 June 2024

Preauthorization Message

(0200/0210) The Acquirer provides:

The Mastercard Network

populates:

Preauth3 (second additional

preauthorization message for the

same Transaction)

• In DE 4, the additional

amount being authorized, or a

zero amount

• In DE 15 and DE 63, the same

values as received in the

Preauth2 0210 message

• Preauth3 authorization date

in DE 15

• Preauth3 SSN in DE 63

• Preauth2 SSN in DE 48

subelement 59

• In DE 54, subfield 2, the value

of 92 and in subfield 5, the

total cumulative authorized

amount

2.10 Multiple Clearing or Multiple Completion Messages

2.10.2 Maestro Transactions

An Acquirer of a Maestro Merchant located in Brazil that processes a Maestro Card-not-present

Transaction involving a debit Card issued in Brazil has the option to submit one or more linked

completion messages within a period of seven days from the settlement date.

Acquirer Requirements

1. At the time of the Cardholder's purchase of goods or services, an Acquirer that supports

this processing option must populate the following values in the Financial Transaction

Request/0200: multiple completion message.

Table 1: Financial Transaction Request/0200 message: multiple completion message

Field Value

DE 4 (Amount, Transaction) The total purchase amount

DE 61 (Point of Service [POS] Data), subfield 7

(POS Transaction Status)

4 (Preauthorization Request)

DE 61, subfield 12 (POS Authorization Life

Cycle)

07 (Partial completion processing supported)

2. Within seven days of the date contained in DE 15 (Date, Settlement) of the Financial

Transaction Request Response/0210: multiple completion message, the Acquirer may

submit either one or several Financial Transaction Advice/0220: multiple completion

messages. Each completion message must contain the following values.

Authorization and Clearing Requirements

2.10 Multiple Clearing or Multiple Completion Messages

Transaction Processing Rules • 11 June 2024

Table 2: Financial Transaction Advice/0220: multiple completion message

Field Value

DE 4 (Amount, Transaction) The Transaction amount being fulfilled with this

completion message; which may be all or a

portion of the total purchase amount

DE 15 (Date, Settlement) The same value received in DE 15 of the Financial

Transaction Request Response/0210: multiple

completion message

DE 60 (Advice Reason Code), subfield 1 (Advice

Reason Code)

290 (APS approved transaction; preauthorized

by issuer)

DE 60, subfield 2 (Advice Reason Detail Code) – 1403 (Previously approved authorization:

partial amount, multiple completions)

– 1404 (Previously approved authorization:

partial amount, final completion)

DE 61, subfield 7 (POS Transaction Status) 4 (Preauthorization request)

DE 61, subfield 12 (POS Authorization Life

Cycle)

07 (Partial completion processing supported)

Issuer Requirements

Upon receiving a Financial Transaction Advice/0220: multiple completion message containing a

value of 1403 or 1404, the Issuer should:

1. Match the completion message to the original Financial Transaction Request/0200 message

by comparing the data contained in DE 48, subelement 59 (Original Switch Serial Number)

to the original Switch Serial Number (SSN) in the original 0210: multiple completion

message from DE 63 (Network Data); and

2. Adjust any hold on the availability of funds in the Cardholder's Account in accordance with

its standard Account management practice. In any event, the Issuer should release any

remaining unused amount still held after seven days from the settlement date of the

Financial Transaction Request/0200: multiple completion message.

If the completion message

contains a value of… Then the Issuer is advised to…

1403 Reduce the hold placed on the Cardholder's Account in connection with

the approved Financial Transaction Advice/0220: multiple completion

message by the amount in DE 4 (Amount, Transaction).

1404 Release any unused funds in connection with the approved Financial

Transaction Request/0200: multiple completion message.

Authorization and Clearing Requirements

2.10.2 Maestro Transactions

Transaction Processing Rules • 11 June 2024

2.16 CVC 3 Verification for Maestro Magnetic Stripe Mode Contactless—Brazil Only

In Brazil, for each Maestro Magnetic Stripe Mode Contactless Transaction, the Issuer must

verify the dynamic CVC 3 value in the authorization request and provide the result in the

response message.

Middle East/Africa Region

The following modifications to the Rules apply in the Middle East/Africa Region or in a particular

Region country or countries. Refer to Appendix A for the Middle East/Africa Region geographic

listing.

2.1 Acquirer Authorization Requirements

In the Middle East/Africa Region, the Rule on this subject is modified as follows.

An Acquirer must ensure that any authorization request for an amount greater than zero is

identified as either a preauthorization or as a final authorization.

2.7 Final Authorizations

In the Middle East/Africa Region, the Acquirer must ensure that any authorization request is

identified as a final authorization only if:

• The Transaction may no longer be cancelled and must not be reversed after the authorization

request is approved in full by the Issuer, except upon Cardholder request or when non-

completion is unavoidable for technical reasons such as telecommunications failure or POS

Terminal failure; and

• The authorization being requested is for the final Transaction amount.

2.12 Full and Partial Approvals

In the Middle East/Africa Region, the Rule on this subject is modified as follows.

An Issuer and an Acquirer in Jordan or South Africa is not required to support partial approval.

2.21 Merchant Payment Gateway Identifier (MPG ID)

The Rule on this subject does not apply in the following countries: Jordan, Nigeria and Pakistan.

United States Region

The following modifications to the Rules apply in the United States (U.S.) Region. Refer to

Appendix A for the U.S. Region geographic listing.

Authorization and Clearing Requirements

2.16 CVC 3 Verification for Maestro Magnetic Stripe Mode Contactless—Brazil Only

Transaction Processing Rules • 11 June 2024

2.1 Acquirer Authorization Requirements

In the U.S. Region, the Rule on this subject is modified as follows.

An Acquirer must support POS balance inquiry for all prepaid Debit Mastercard and prepaid

Maestro Accounts.

2.1.1 Acquirer Host System Requirements

An Acquirer in the U.S. Region must ensure that its POS Terminal host systems and those of its

Service Providers:

1. Are capable of processing Contact Chip Transactions and Contactless Transactions

(including both EMV Mode Contactless Transactions and Magnetic Stripe Mode Contactless

Transactions;

2. Support the transmission of Contact Chip Transaction and Contactless Transaction

messages in accordance with the Standards;

3. Support all valid CVM options for Chip Transactions, including but not limited to PIN (both

offline and online), regardless of whether each Hybrid POS Terminal connected to the

Acquirer host system supports all of these options;

4. Support all mandatory and applicable conditional data subelements within DE 55

(Integrated Circuit Card [ICC] System-Related Data); and

5. Have been approved by the Corporation, with respect to each Interchange System network

interface, as enabled for Contact Chip Transaction and Contactless Transaction processing.

2.2 Issuer Authorization Requirements

In the U.S. Region, the Rule on this subject is modified as follows.

A Maestro Card Issuer must also support:

• Partial approval from primary account, checking account, savings account, and pooled

account

• Full and partial reversal

• POS balance response for prepaid Accounts

Each Maestro and Cirrus Card Issuer must offer cash withdrawal from a savings account and

from a checking account, and may optionally offer Shared Deposit to a savings account and to a

checking account.

An Issuer may decline authorization of a Transaction when technical fallback from chip to

magnetic stripe occurred.

2.2.1 Issuer Host System Requirements

In the U.S. Region, the Rule on this subject is modified as follows.

A Maestro Card Issuer’s host system interfaces must support POS balance inquiry.

2.2.2 Stand-In Processing Service

In the U.S. Region, the following requirements apply with respect to Mastercard Card Programs.

Authorization and Clearing Requirements

2.1 Acquirer Authorization Requirements

Transaction Processing Rules • 11 June 2024

For all Mastercard Card Programs, an Issuer must use the Stand-In Processing Service. For all

Mastercard Card Programs except Debit Mastercard Card Programs, Stand-In Parameters

must be set at or above the Corporation’s default limits.

In the event that fraudulent activity is detected with respect to a BIN or BIN range, the

Corporation, in its sole discretion and judgment, may take such action as the Corporation deems

necessary or appropriate to safeguard the goodwill and reputation of the Corporation’s Marks.

Such action may include, by way of example and not limitation, declining some or all Transaction

authorization requests received by the Stand-in Processing Service relating to the use of Cards

issued under such BIN or BIN range.

For Debit Mastercard Card Programs, the following requirements apply:

1. For all Transactions identified with a TCC of C, P, T, U, or Z, the Transaction category code

(TCC) limit may be set below the Corporation’s default value.

2. For all Card-not-present Transactions, the TCC limit may be set below the Corporation’s

default value.

3. For Card-present Transactions identified with a TCC of A, F, H, O, R, or X and effected with

a Debit Mastercard Card (standard), the TCC limit may be set below the Corporation’s

default value to an amount no less than USD 50.

4. For Card-present Transactions identified with a TCC of A, F, H, O, R, or X and effected with

a Debit Mastercard Card (enhanced), the TCC limit may be set below the Corporation’s

default value to an amount no less than USD 100.

5. For Card-present Transactions identified with a TCC of A, C, F, H, O, R, or X and effected

with a Debit Mastercard BusinessCard Card or Debit Mastercard Professional Card, the TCC

limit may be set below the Corporation’s default value to an amount no less than USD 400.

6. For Debit Mastercard Card (standard) Programs, the accumulative limits may be set below

the Corporation’s default values as follows.

Day

Minimum Transaction

Count

Recommended

Transaction Count

Minimum Transaction

Amount

1 4 6 USD 50

2 6 12 USD 100

3 6 18 USD 150

4 6 24 USD 200

7. For Debit Mastercard Card (enhanced) Programs, the accumulative limits may be set below

the Corporation’s default values as follows.

Day

Minimum Transaction

Count

Recommended

Transaction Count

Minimum Transaction

Amount

1 4 6 USD 100

2 6 12 USD 200

Authorization and Clearing Requirements

2.2.2 Stand-In Processing Service

Transaction Processing Rules • 11 June 2024

Day

Minimum Transaction

Count

Recommended

Transaction Count

Minimum Transaction

Amount

3 6 18 USD 300

4 6 24 USD 400

8. For Debit Mastercard BusinessCard Card and Debit Mastercard Professional Card

Programs, the accumulative Limits may be set below the Corporation’s default values as

follows.

Day Minimum Transaction

Count

Recommended

Transaction Count

Minimum Transaction

Amount

1 4 4 USD 750

2 6 6 USD 1,000

3 6 6 USD 1,000

4 6 6 USD 1,000

2.4 Performance Standards

2.4.2 Performance Standards—Issuer Requirements

In the U.S. Region, the Rule on this subject is replaced with the following.

An Issuer authorization failure rate for Maestro POS Transactions and ATM Transactions that

exceeds two percent (2%) in any given calendar month is deemed to be substandard

performance. The Issuer failure rate is not applied until after the Issuer’s fourth calendar month

of operation or upon the Issuer’s processing of 5,000 Transactions in a calendar month,

whichever occurs first. Refer to “Calculation of the Issuer Failure Rate” in this chapter for the

formula used to calculate the Issuer authorization failure rate.

2.5 Preauthorizations

2.5.2 Preauthorizations—Maestro POS Transactions

In the U.S. Region, the Rule on this subject is modified as follows.

The Acquirer is not liable for preauthorization completions that occurred within 20 minutes of

the initial Maestro POS Transaction but were subsequently stored and forwarded because of

technical problems between the Acquirer and the Interchange System, or the Interchange

System and the Issuer.

No CVM is required for a PIN-less Single Message Transaction preauthorization.

Authorization and Clearing Requirements

2.4 Performance Standards

Transaction Processing Rules • 11 June 2024

2.11 Full and Partial Reversals

2.11.1 Full and Partial Reversals—Acquirer Requirements

In the U.S. Region, the Rule on this subject is modified as follows.

An Acquirer must ensure that a Merchant accepting Debit Mastercard Cards supports full and

partial reversals performed at the POI and whenever, for technical reasons, the Acquirer is

unable to communicate the authorization response to the Merchant. This requirement applies

with respect to all MCCs for which the Acquirer is required to support partial approvals, as listed

in Rule 2.12.

2.11.2 Full and Partial Reversals—Issuer Requirements

In the U.S. Region, the Rule on this subject is modified as follows.

For all Debit Mastercard Card Account ranges, an Issuer must support full and partial reversals.

2.13 Refund Transactions and Corrections

2.13.1 Refund Transactions - Acquirer Requirements

In the United States Region, the requirement for an Acquirer to perform online authorization for

refund Transactions acquired through the Dual Message System does not apply.

2.14 Balance Inquiries

In the U.S. Region, the Rule on this subject is modified as follows.

The Acquirer must ensure that a balance inquiry is initiated through the use of a PIN and a

magnetic stripe reader and is performed only at Cardholder-operated Terminals.

2.18 Transaction Queries, Disputes, and Errors

In the U.S. Region, the Rule on this subject is modified as follows.

The Acquirer of a U.S. Region Merchant participating in the substantiation of certain tax-

qualified purchases (for example, medical-related, prescription drug, and vision care purchases)

must be prepared to respond to an Issuer’s request for the retrieval of documentation for a

Transaction effected with an eligible U.S. Region-issued Card. The Acquirer must provide the

requested documentation within 30 calendar days of the Central Site Business Date of the

Issuer’s request.

Additional U.S. Region and U.S. Territory Rules

The following variations and additions to the Rules apply in the United States Region and in

American Samoa, Guam, Northern Mariana Islands, Puerto Rico, and the U.S. Virgin Islands

(herein, "the U.S. Territories").

These Rules apply in addition to any that apply within the Asia/Pacific Region, with respect to

Customers located in American Samoa, Guam, and Northern Mariana Islands; the Latin America

Authorization and Clearing Requirements

2.11 Full and Partial Reversals

Transaction Processing Rules • 11 June 2024

and the Caribbean Region, with respect to Customers located in Puerto Rico and the U.S. Virgin

Islands; and the United States Region, with respect to U.S. Region Customers.

2.2 Issuer Authorization Requirements

2.2.2 Stand-In Processing Service

In the U.S. Region and U.S. Territories, the following additional requirements apply.

An Issuer must use the Stand-In Processing Service for all of its debit cards that provide

Maestro functionality. The Stand-In Parameters may be set below the Corporation's default

TCC limit for Non-Mastercard BIN Maestro card-not-present debit card Transactions.

In the event that fraudulent activity is detected, the Corporation, in its sole discretion and

judgment, may take such action as the Corporation deems necessary or appropriate to

safeguard the goodwill and reputation of the Corporation's Marks. Such action may include, by

way of example and not limitation, declining some or all Transaction authorization requests

received by the Stand-in Processing Service relating to Non-Mastercard BIN Maestro card-not-

present debit card Transactions.

2.5 Preauthorizations

2.5.2 Preauthorizations—Maestro POS Transactions

In the U.S. Region and U.S. Territories, the Rule on this subject is modified as follows.

Each Maestro card-not-present (CNP) POS Transaction preauthorization initiated with a Non-

Mastercard BIN Maestro card-not-present (CNP) debit card is valid for a period of seven (7)

calendar days from the preauthorization approval date, when the preauthorization request

message contains a value of 07 in DE 61, subfield 12 (POS Authorization Life Cycle). Additional

preauthorization requests may be submitted to extend the validity period or increase the

authorized amount, as described in Rule 2.9 Multiple Authorizations of this Additional U.S.

Region and U.S. Territories section.

The Authorization-related Chargeback described in Chapter 4 Single Message System

Chargebacks for Non-Mastercard BIN Maestro Card-Not-Present (CNP) Debit Transactions of

the Chargeback Guide may apply if the Transaction amount in the preauthorization completion

message was not fully authorized.

2.9 Multiple Authorizations

In the U.S. Region and U.S. Territories, the Rule on this subject is modified as follows with

respect to Maestro card-not-present (CNP) POS Transactions effected with Non-Mastercard

BIN Maestro card-not-present (CNP) debit cards.

Following Issuer approval of the initial preauthorization request, a Merchant may submit one or

more additional preauthorization requests for the same card-not-present (CNP) Maestro POS

Transaction, subject to the following conditions:

Authorization and Clearing Requirements

2.2 Issuer Authorization Requirements

Transaction Processing Rules • 11 June 2024

1. The original and each additional preauthorization request for the same Transaction is valid

for a period of seven (7) calendar days from the authorization approval date, when the

preauthorization request message contains a value of 07 in DE 61, subfield 12 (POS

Authorization Life Cycle).

2. Each additional approved preauthorization:

a. If submitted for a zero amount, extends the authorization validity period with no change

to the total authorized Transaction amount.

b. If submitted for a non-zero amount, both extends the authorization validity period and

incrementally increases the total authorized Transaction amount.

3. If an additional preauthorization request is declined, then the most recent previously

approved preauthorization remains valid. For example, if the Issuer approved the original

USD 100 preauthorization request on 1 June and declined an additional USD 25

preauthorization request on 7 June, then the Transaction must be completed by 8 June

(when the original preauthorization expires) for USD 100 (the original approved amount).

4. If any preauthorization request expires before the Transaction completion message is sent,

then the Merchant or Acquirer must initiate a new original preauthorization request for the

Transaction.

The processing of multiple preauthorization requests for the same Maestro POS Transaction

must occur as follows.

Preauthorization message

(0200/0210) The Acquirer provides:

The Mastercard Network

populates:

Preauth1 (original

preauthorization message)

In DE 4 (Amount, Transaction),

the original preauthorization

request amount

The authorization date in DE 15

(Date, Settlement) and the

switch serial number [SSN] in DE

63 (Network Data)

Preauth2 (first additional

preauthorization message for the

same Transaction)

• In DE 4, the additional

amount being authorized, or a

zero amount (to extend the

authorization validity without

increasing the authorized

amount)

• In DE 15 and DE 63, the same

values as received in the

Preauth1 0210 message

• In DE 105 (Multi-Use

Transaction Identification

Data), subelement 001

(Transaction Link Identifier

[TLID]), the same value as

received in the Preauth1 0210

message

• Preauth2 authorization date

in DE 15

• Preauth2 SSN in DE 63

• Preauth1 SSN in DE 48,

subelement 59 (Original

Switch Serial Number)

• In DE 54 (Amounts,

Additional), subfield 2

(Amount Type), the value of

92 and in subfield 5 (Amount),

the total cumulative

previously authorized and

currently requested amount

Authorization and Clearing Requirements

2.9 Multiple Authorizations

Transaction Processing Rules • 11 June 2024

Preauthorization message

(0200/0210) The Acquirer provides:

The Mastercard Network

populates:

Preauth3 (second additional

preauthorization message for the

same Transaction)

• In DE 4, the additional

amount being authorized, or a

zero amount

• In DE 15 and DE 63, the same

values as received in the

Preauth2 0210 message

• In DE 105 (Multi-Use

Transaction Identification

Data), subelement 001

(Transaction Link Identifier

[TLID]), the same value as

received in the Preauth2 0210

message

• Preauth3 authorization date

in DE 15

• Preauth3 SSN in DE 63

• Preauth1 SSN in DE 48,

subelement 59

• In DE 54, subfield 2, the value

of 92 and in subfield 5, the

total cumulative previously

authorized and currently

requested amount

The Authorization-related Chargeback described in Chapter 4 Single Message System

Chargebacks for Non-Mastercard BIN Maestro Card-Not-Present (CNP) Debit Transactions of

the Chargeback Guide may apply if the Transaction amount in the preauthorization completion

message was not fully authorized.

2.10 Multiple Clearing and Multiple Completion Messages

2.10.2 Maestro Transactions

An Acquirer of a Maestro Merchant located in the U.S. Region or U.S. Territories that processes a

Maestro "back of card" (non-Mastercard BIN) card-not-present Transaction involving a debit

card issued in the U.S. Region or U.S. Territories has the option to submit one or more linked

completion messages within a period of seven days from the settlement date.

Acquirer Requirements

1. An Acquirer that supports this processing option must populate the following values in the

Financial Transaction Request/0200 message initiated at the time of the Cardholder's

purchase of goods or services.

Table 3: Financial Transaction Request/0200 message

Field Value

DE 4 (Amount, Transaction) The total purchase amount

DE 61 (Point of Service [POS] Data), subfield 7

(POS Transaction Status)

4 (Preauthorization Request)

Authorization and Clearing Requirements

2.10 Multiple Clearing and Multiple Completion Messages

Transaction Processing Rules • 11 June 2024

Field Value

DE 61, subfield 12 (POS Authorization Life

Cycle)

2. Within seven days of the date contained in DE 15 (Date, Settlement) of the Financial

Transaction Request Response/0210 message, the Acquirer may submit either one or

several Financial Transaction Advice/0220 completion messages. Each completion message

must contain the following data.

Table 4: Financial Transaction Advice/0220 completion message(s)

Field Value

DE 4 (Amount, Transaction) The Transaction amount being fulfilled with this

completion message, which may be all or a

portion of the total purchase amount

DE 15 (Date, Settlement) The same value received in DE 15 of the Financial

Transaction Request Response/0210 message

DE 60 (Advice Reason Code), subfield 1 (Advice

Reason Code)

290 (APS approved transaction; preauthorized

by issuer)

DE 60, subfield 2 (Advice Reason Detail Code) One of the following:

– 1403 (Previously approved authorization -

partial amount, multiple completions)

– 1404 (Previously approved authorization -

partial amount, final completion)

DE 61, subfield 7 (POS Transaction Status) 4 (Preauthorization request)

DE 61, subfield 12 (POS Authorization Life

Cycle)

DE 105 (Multi-Use Transaction Identification

Data), subelement 001 (Transaction Link

Identifier [TLID])

Effective 17 October 2025, the same value

received in DE 105, subelement 001 of the

Financial Transaction Request Response/0210

message

Issuer Requirements

Upon receiving a Financial Transaction Advice/0220 completion message containing a value of

1403 or 1404, the Issuer should:

1. Match the completion message to the original Financial Transaction Request/0200 message

by comparing the data contained in DE 48, subelement 59 (Original Switch Serial Number)

to the original Switch Serial Number (SSN) in the original 0200 message from DE 63

(Network Data) and effective 17 October 2025, the data contained in DE 105, subelement

Authorization and Clearing Requirements

2.10.2 Maestro Transactions

Transaction Processing Rules • 11 June 2024

001 (Transaction Link Identifier [TLID]) to the DE 105, subelement 001 value in the original

0200 message.

2. Adjust any hold on the availability of funds in the Cardholder's Account in accordance with

its standard Account management practice. In any event, the Issuer should release any

remaining unused amount still held after seven days from the settlement date of the

Financial Transaction Request/0200 message.

If the completion message

contains a value of... Then the Issuer is advised to...

1403 Reduce the hold placed on the Cardholder's Account in connection

with the approved Financial Transaction Advice/0220 message by

the amount in DE 4 (Amount, Transaction)

1404 Release any unused funds in connection with the approved Financial

Transaction Request/0200 message.

Authorization and Clearing Requirements

2.10.2 Maestro Transactions

Transaction Processing Rules • 11 June 2024

Chapter 3 Acceptance Procedures

The following Standards apply with regard to Card acceptance at the Point of Interaction (POI). Where

applicable, variations or additions by region and/or country are provided at the end of this chapter in the

section titled, “Variations and Additions by Region.”

3.1 Card-Present Transactions...........................................................................................................................96

3.1.1 Mastercard Card Acceptance Procedures.........................................................................................96

Suspicious Cards........................................................................................................................................ 96

3.1.2 Maestro Card Acceptance Procedures.............................................................................................. 97

3.2 Card-Not-Present Transactions...................................................................................................................97

3.3 Obtaining an Authorization..........................................................................................................................97

3.3.1 Mastercard POS Transaction Authorization Procedures................................................................97

Authorization of Lodging, Cruise Line, and Vehicle Rental Transactions......................................... 98

Authorization When the Cardholder Adds a Gratuity.........................................................................99

Card-Not-Present Transaction Declines................................................................................................ 99

Use of Card Validation Code (CVC) 2..................................................................................................100

Capture Card Response..........................................................................................................................100

3.3.2 Maestro POS Transaction Authorization Procedures...................................................................100

3.4 Mastercard Cardholder Verification Requirements...............................................................................100

CVM Not Required for Refund Transactions............................................................................................ 102

Use of PIN for Mastercard Magnetic Stripe Transactions..................................................................... 102

3.5 Maestro Cardholder Verification Requirements.....................................................................................102

3.6 Use of a PIN for Transactions at ATM Terminals and Bank Branch Terminals.................................. 103

3.7 Use of a Consumer Device CVM................................................................................................................103

3.8 POI Currency Conversion............................................................................................................................104

3.8.1 Cardholder Disclosure Requirements...............................................................................................105

3.8.2 Cardholder Disclosure - Transaction Receipt Information...........................................................106

3.8.3 Priority Check-Out..............................................................................................................................106

3.8.4 Transaction Processing Requirements.............................................................................................106

3.9 Multiple Transactions—Mastercard POS Transactions Only................................................................ 107

3.10 Partial Payment—Mastercard POS Transactions Only.......................................................................107

3.11 Specific Terms of a Transaction..............................................................................................................108

3.11.1 Specific Terms of an E-commerce Transaction...........................................................................108

3.12 Charges for Loss, Theft, or Damage—Mastercard POS Transactions Only....................................108

3.13 Transaction Receipts.................................................................................................................................109

3.13.1 POS and Mastercard Manual Cash Disbursement Transaction Receipt Requirements.......110

3.13.2 ATM and Bank Branch Terminal Transaction Receipt Requirements.......................................111

Acceptance Procedures

Transaction Processing Rules • 11 June 2024

3.13.3 Primary Account Number (PAN) Truncation and Expiration Date Omission......................... 112

3.13.4 Prohibited Information.................................................................................................................... 112

3.13.5 Standard Wording for Formsets....................................................................................................113

3.14 Returned Products and Canceled Services........................................................................................... 113

3.14.1 Refund Transactions.........................................................................................................................114

3.15 Transaction Records..................................................................................................................................115

3.15.1 Transaction Presentment Time Frames....................................................................................... 115

3.15.2 Retention of Transaction Records..................................................................................................116

Variations and Additions by Region.................................................................................................................116

Asia/Pacific Region.............................................................................................................................................116

3.14 Returned Products and Canceled Services......................................................................................116

3.14.1 Refund Transactions...................................................................................................................116

3.15 Transaction Records.............................................................................................................................116

3.15.1 Transaction Presentment Time Frames..................................................................................117

Canada Region....................................................................................................................................................117

3.3 Obtaining an Authorization..................................................................................................................117

3.3.1 Mastercard POS Transaction Authorization Procedures........................................................117

Europe Region..................................................................................................................................................... 117

3.1 Card-Present Transactions...................................................................................................................117

3.1.1 Mastercard Card Acceptance Procedures.................................................................................117

3.2 Card-Not-Present Transactions...........................................................................................................117

3.3 Obtaining an Authorization..................................................................................................................118

3.3.1 Mastercard POS Transaction Authorization Procedures........................................................118

Authorization of Lodging, Cruise Line, and Vehicle Rental Transactions..................................118

Authorization When the Cardholder Adds a Gratuity.................................................................118

3.3.2 Maestro POS Transaction Authorization Procedures............................................................. 118

3.5 Maestro Cardholder Verification Requirements............................................................................... 119

3.8 POI Currency Conversion.......................................................................................................................119

3.13 Transaction Receipts............................................................................................................................119

3.13.1 POS and Mastercard Manual Cash Disbursement Transaction Receipt Requirements. 120

3.13.3 Primary Account Number (PAN) Truncation and Expiration Date Omission....................121

3.14 Returned Products and Canceled Services......................................................................................121

3.14.1 Refund Transactions...................................................................................................................121

Latin America and the Caribbean Region...................................................................................................... 122

3.4 Mastercard Cardholder Verification Requirements..........................................................................122

3.5 Maestro Cardholder Verification Requirements............................................................................... 122

Middle East/Africa Region.................................................................................................................................122

3.14 Returned Products and Canceled Services......................................................................................122

3.14.1 Refund Transactions...................................................................................................................122

Acceptance Procedures

Transaction Processing Rules • 11 June 2024

United States Region.........................................................................................................................................123

3.3 Obtaining an Authorization..................................................................................................................123

3.3.1 Mastercard POS Transaction Authorization Procedures........................................................123

3.5 Maestro Cardholder Verification Requirements............................................................................... 123

Additional U.S. Region and U.S. Territory Rules.............................................................................................124

3.14 Returned Products and Canceled Services......................................................................................124

3.14.1 Refund Transactions...................................................................................................................124

Acceptance Procedures

Transaction Processing Rules • 11 June 2024

3.1 Card-Present Transactions

A Card-present Transaction occurs when the Cardholder has presented a Card or Access Device

to a Merchant or Customer representative in a face-to-face environment, or uses a Card or

Access Device to initiate a Transaction at an ATM Terminal or unattended POS Terminal.

A Card-present Transaction conducted at a Terminal should be processed using the highest level

of technology supported by both the Card or Access Device and the Terminal, as follows:

1. If a Chip Card or Access Device is presented at a Card-reading Hybrid Terminal, complete

the Transaction in accordance with the technical specifications set forth in the M/Chip

Requirements for Contact and Contactless; or

2. If a Card is presented at a magnetic stripe-reading Terminal that is not chip-enabled, ensure

that the Card’s magnetic stripe is “read” by the Terminal.

Each Transaction must be authorized as described in Rule 3.3.

3.1.1 Mastercard Card Acceptance Procedures

A Mastercard Card is not required to be accepted if neither the magnetic stripe nor the contact

or contactless chip on the Card can be read for any reason. The manual completion of a

Transaction, whether by means of a manual imprinter, electronic key entry of the Card

information, or both, does not provide sufficient proof of Card presence in a fraud-related

dispute.

The following steps may be performed in a face-to-face environment to determine the validity

of a Mastercard Card (but not an Access Device):

• Check for the presence of the Mastercard or Debit Mastercard hologram, as applicable, or

the Premium Brand Mark.

• If the POS Terminal displays the PAN encoded on the magnetic stripe and if the PAN is

present on the Card, then compare the last four digits of the PAN on the Card with the four-

digit truncated PAN displayed on the POS Terminal.

The following steps may be performed for all face-to-face unique Transactions (TCC of U) and

Manual Cash Disbursement Transactions, unless PIN or CDCVM is used as the CVM:

• Request personal identification in the form of an unexpired, official government document

(for example, a passport, identification document, or driver’s license).

• If a photograph is present on the personal identification, compare the photograph with the

person presenting the Card.

The personal identification type and number must not be recorded on the Transaction receipt.

Suspicious Cards

When suspicious that a presented Mastercard Card may not be valid, the Merchant or Customer

accepting the Card should follow the Acquirer’s “Code 10” (suspicious Card) procedures, which

Acceptance Procedures

3.1 Card-Present Transactions

Transaction Processing Rules • 11 June 2024

may include placing a value of 1 (Suspected fraud [merchant suspicious—code 10]) in DE 61,

subfield 8 (Transaction Security) of the authorization request message.

NOTE: A modification to this Rule appears in the “Europe Region” section at the end of this chapter.

3.1.2 Maestro Card Acceptance Procedures

A Maestro Card must not be accepted if neither the magnetic stripe nor the contact or

contactless chip on the Card can be read for any reason.

Electronic key entry of Maestro Card information into a POS Terminal is permitted only for

refund Transactions. An Issuer is not responsible for a Maestro POS Transaction if the PAN was

manually entered into the POS Terminal and the approved Transaction was subsequently

determined to have arisen through use of a fraudulent Card and/or unauthorized use of a PIN.

3.2 Card-Not-Present Transactions

The physical presentation of a Card or Access Device is not required and must not be requested

to complete a Transaction conducted in a Card-not-present environment, including any e-

commerce, mail order, phone order, or Credential-on-file Transaction.

A Merchant must not refuse to complete a Mastercard e-commerce Transaction solely because

the Cardholder does not have a digital certificate or other secured protocol.

NOTE: A Rule variation on this subject appears in the “Europe Region” section at the end of this

chapter.

3.3 Obtaining an Authorization

With respect to securing authorizations, an Acquirer must treat all Transactions at a Merchant

in the same manner.

3.3.1 Mastercard POS Transaction Authorization Procedures

A Merchant must inform the Cardholder of any estimated amount for which authorization will

be requested and must obtain the Cardholder's consent to the amount before initiating the

authorization request. This requirement does not apply to:

• Contactless transit aggregated or transit debt recovery Transactions;

• Automated fuel dispenser (AFD) Transactions (MCC 5542); or

• An authorization requested for an amount otherwise approved by the Cardholder as the final

Transaction amount.

Refer to Chapter 2 for requirements relating to the proper identification of a Processed

Transaction authorization request for an amount greater than zero as a preauthorization (in all

Regions), undefined authorization (in all Regions except the Asia/Pacific, Middle East/Africa, and

Europe Regions), or final authorization (in all Regions).

Acceptance Procedures

3.1.2 Maestro Card Acceptance Procedures

Transaction Processing Rules • 11 June 2024

A Merchant must obtain an online authorization from the Issuer for all Transactions, with the

following exceptions:

1. Transactions at a CAT 3 device.

2. Chip Transactions authorized offline by the EMV chip, including both Contact Chip and EMV

mode Contactless Transactions, when the Transaction amount is equal to or less than USD

200, or EUR 200 for a Merchant in the Europe Region.

3. Refund Transactions. Effective 18 October 2024, this exception is limited to refunds

conducted by airline Merchants and for contactless transit aggregated Transactions.

4. Transit First Ride Risk (FRR) claim Transactions that are less than or equal to the FRR limit

amount applicable in the Merchant's country, as described in Rule 5.6.1.

NOTE: Modifications to this Rule appear in the "Canada Region" and "United States Region" sections

at the end of this chapter.

Terminal offline chip authorization limits are published in Chapter 5 of the Quick Reference

Booklet.

A Merchant or its Acquirer may obtain a voice authorization from the Issuer, with the

understanding that the authorization code obtained in a voice authorization is not a valid

remedy to an authorization-related chargeback.

For additional authorization message requirements, including how a Merchant or Acquirer may

convert an Issuer's approval of a Card-not-present Transaction believed in good faith to be

fraudulent to a decline, refer to Chapter 2.

NOTE: A modification to this Rule appears in the "Europe Region" section at the end of this chapter.

Authorization of Lodging, Cruise Line, and Vehicle Rental Transactions

Lodging, cruise line, and vehicle rental Merchants may request an authorization for an estimated

Transaction amount, and may submit subsequent authorization requests for any additional

estimated amounts as needed. For more information, refer to Rule 2.9.

Vehicle rental Merchants:

1. May not include any charge in a Transaction that represents either the vehicle insurance

deductible amount or an amount to cover potential or actual damages when the Cardholder

waives insurance coverage at the time of the rental; and

2. Before the Cardholder enters into a rental agreement, the Merchant must disclose to the

Cardholder the amount of the authorization request to be sent to the Issuer.

Charges for loss, theft, or damage must be processed separately.

The Transaction amount of a lodging, cruise line, or vehicle rental Processed Transaction must

not exceed the authorized amount. If the Merchant obtains a preauthorization for an estimated

amount, and the Transaction amount exceeds the authorized amount, the Merchant may

request an incremental authorization. In connection with such Transactions, the Issuer must not

place a hold on the Cardholder’s Account in excess of the authorized amount.

Acceptance Procedures

Authorization of Lodging, Cruise Line, and Vehicle Rental Transactions

Transaction Processing Rules • 11 June 2024

NOTE: A modification to this Rule appears in the “Europe Region” section at the end of this chapter.

Authorization When the Cardholder Adds a Gratuity

When a preauthorization or an undefined authorization (in all Regions except the Asia/Pacific,

Europe, and Middle East/Africa Regions) is obtained:

• If the Transaction is a Card-Not-Present Transaction, Chip/PIN Transaction, Contactless

Transaction, or Mastercard Consumer-Presented Quick Response (QR) Transaction, any

gratuity must be included in the authorization request. A gratuity must not be added after

authorization is obtained.

• For all other Transaction types, a gratuity may be added after authorization is obtained.

– If the gratuity does not exceed 20 percent of the authorized amount, then no additional

authorization is needed.

– If the gratuity exceeds 20 percent of the authorized amount, then the Merchant may

request an incremental authorization for the amount in excess of the authorized amount.

NOTE: Modifications to this Rule appear in the “United States Region” section at the end of this

chapter.

For all Transactions, if the authorization request message contains the Partial Approval Terminal

Support Indicator, and the authorization request response message contains a value of 10

(Partial Approval) in DE 39 and a partial approval amount in DE 6, the Transaction amount

must not exceed the authorized amount.

NOTE: Modifications to this Rule appear in the “Europe Region” section at the end of this chapter.

The Issuer must not place a hold on the Cardholder’s Account in excess of the total authorized

amount (inclusive of the 20 percent tolerance, if applicable, or any incremental authorization).

NOTE: Modifications to this Rule appear in the “United States Region” section at the end of this

chapter.

Card-Not-Present Transaction Declines

If a Merchant initiates an authorization request for a Card-not-present Transaction and the

Acquirer receives any one of the following declined responses in DE 39 (Response Code) of the

Issuer’s authorization request response message, the Merchant must not initiate any additional

authorization requests for the same Transaction with the same PAN and expiration date at any

time.

Response Code Value

Description

04 Capture card

14 Invalid card number

15 Invalid issuer

Acceptance Procedures

Authorization When the Cardholder Adds a Gratuity

Transaction Processing Rules • 11 June 2024

Response Code Value Description

41 Lost card

43 Stolen card

54 Expired card

Use of Card Validation Code (CVC) 2

In a Card-not-present environment, a Merchant may request a Card validation code (CVC) 2

verification from the Issuer, as a means to check the validity of a Mastercard Card.

CVC 2 data must not be stored by the Merchant, its Acquirer, or any Service Provider. Refer to

section 3.12 of the Security Rules and Procedures manual for additional CVC 2 requirements.

Capture Card Response

If the Merchant receives a “capture card” or “pick-up-card” response to an authorization request,

the Merchant must not complete the Transaction. In a face-to-face Transaction environment,

the Merchant should attempt to retain the Card by reasonable and peaceful means. The Card

retention requirement does not apply when an Access Device has been presented. Upon

recovering a Card, the Merchant must notify its Acquirer and ask for further instructions.

3.3.2 Maestro POS Transaction Authorization Procedures

A Merchant must obtain an online authorization from the Issuer or its agent for all Maestro

magnetic stripe POS Transactions. With respect to Maestro Chip Transactions, the Terminal

offline chip authorization limits published in Chapter 5 of the Quick Reference Booklet apply. A

Merchant must obtain an online authorization for a Chip Transaction that exceeds the published

Terminal offline chip authorization limit and whenever the Card or the Hybrid POS Terminal

requires online authorization. Before completing a Chip Transaction for which online

authorization is required or requested, the Merchant must obtain a Transaction Certificate (TC)

and related data.

For additional authorization message requirements, including how a Merchant or Acquirer may

convert an Issuer's approval of a Card-not-present Transaction believed in good faith to be

fraudulent to a decline, refer to Chapter 2.

NOTE: An addition to this Rule appears in the “Europe Region” section at the end of this chapter.

3.4 Mastercard Cardholder Verification Requirements

In a face-to-face Transaction environment, the Merchant Terminal must support signature as a

Cardholder verification method (CVM) for a Mastercard POS Transaction. Signature collection is

optional.

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If PIN, Consumer Device CVM (CDCVM), successful Cardholder authentication on a Mastercard

Biometric Card, or "No CVM" is used as the CVM in accordance with the Standards, the

Merchant must not request that the Cardholder sign the Merchant's copy of the Transaction

receipt.

For a Mastercard Contactless Transaction that… Then…

Is less than or equal to the applicable contactless

CVM limit

"No CVM" is the only CVM option. The Merchant

must not request that the Cardholder sign the

Merchant’s copy of the Transaction receipt.

Exceeds the applicable contactless CVM limit The CVM may be any of the following, provided

both the Card or Access Device and the POS

Terminal support the CVM:

• Signature - When signature is selected as the

CVM, the Merchant may optionally request the

Cardholder's signature

• Online PIN

• Consumer Device CVM (CDCVM)

With respect to Mastercard POS Transactions conducted by a Merchant using an MPOS

Terminal or a Chip-only MPOS Terminal, PIN is not required if:

1. the Merchant has less than USD 100,000 in annual Transaction volume; and

2. the MPOS Terminal has a contact chip reader and magnetic stripe-reading capability but

does not support PIN as a CVM for Contact Chip Transactions.

(The use of an MPOS Terminal or Chip-only MPOS Terminal lacking such capabilities confers no

chargeback protection. Refer to Rule 7.4 regarding restrictions on the use of certain MPOS

Terminal types.)

In a Card-not-present Transaction environment, the Merchant may complete the Transaction

without using a CVM.

Refer to Appendix D for CVM requirements at unattended POS Terminals.

NOTE: Modifications to this Rule appear in the "Latin America and the Caribbean Region" section at

the end of this chapter.

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CVM Not Required for Refund Transactions

No CVM is required for a refund Transaction. However, when a PIN is used as the CVM for a

refund Transaction conducted at a Hybrid POS Terminal, the Merchant must obtain a successful

PIN validation.

Use of PIN for Mastercard Magnetic Stripe Transactions

Each PIN-capable POS Terminal must meet specific requirements for PIN processing wherever

an approved implementation of PIN for magnetic stripe Transactions takes place. Refer to

chapter 4 of the Security Rules and Procedures for more information.

An Issuer should refer to the Authorization Manual for information about optional PIN

verification during Stand-In Processing.

3.5 Maestro Cardholder Verification Requirements

For each Card-present Maestro POS Transaction, PIN must be used as the CVM, whether

magnetic stripe or chip is used to initiate the Transaction, except in the case of:

1. A properly presented Contactless Transaction for which no CVM is required or when

Consumer Device CVM (CDCVM) has been successfully completed;

2. No-CVM Transactions conducted in the Europe Region; and

3. A Transaction occurring at a Hybrid POS Terminal in a country in which the Corporation has

consented to the use of offline PIN as the minimum CVM for a Chip Transaction and

signature as the CVM for a magnetic stripe Transaction. Signature collection is optional.

At present, the Corporation has given such consent to Customers in:

1. Finland

2. France

3. Ireland

4. Israel

5. Monaco

6. United Kingdom

As of 31 December 2023, Finland, France, and Monaco will be removed from the above list.

An Issuer must not decline authorization of a Transaction solely because the PIN was verified in

an offline mode or because the Transaction occurred in a country where the Corporation has

granted Customers a waiver allowing the use of a signature-based CVM instead of a PIN-based

CVM. An Issuer must accept and properly process (by performing an individual risk assessment

on) each Transaction verified using a signature-based CVM in the same manner as the Issuer

would if the Transaction had been verified using a PIN-based CVM.

NOTE: Modifications to this Rule appear in the “Europe Region,” “Latin America and the Caribbean

Region,” and “United States Region” sections at the end of this chapter.

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3.6 Use of a PIN for Transactions at ATM Terminals and Bank

Branch Terminals

The following requirements apply with respect to Transactions occurring at ATM Terminals and

Bank Branch Terminals.

1. At an ATM Terminal and when a Maestro or Cirrus Card or PIN-preferring Mastercard Card

is accepted at a Bank Branch Terminal, the Cardholder must be verified by a PIN, whether

magnetic stripe or chip is used to initiate the Transaction.

2. For magnetic stripe Transactions, PIN verification must be online.

3. For a Cardless ATM Transaction, the Cardholder must be verified by Consumer Device CVM

(CDCVM) and may also be verified by PIN.

A Cardless ATM Transaction is identified in Authorization Request/0100 and Financial

Transaction Request/0200 messages with:

– Data Element (DE) 22 (POS Entry Mode), subfield 1 (POS Terminal PAN Entry Mode) =

09 (PAN/Token entry via electronic commerce containing DSRP cryptogram in DE 55

(Integrated Circuit Card [ICC] System-Related Data)

– DE 18 (Merchant Type) = 6011 (Automated Cash Disbursements—Customer Financial

Institution)

– DE 48 (Additional Data—Private Use), Transaction Category Code = Z (Automated Cash

Disbursement)

– DE 48, subfield 28 (Cardless ATM Order ID) = a 10-digit order ID provided by Mastercard

Cardless engine

4. The Issuer must ensure that Chip Cards support online PIN for these Transactions and

decline Transaction attempts where the PIN is entered incorrectly. For Chip Transactions,

the Payment Application or Card may also be blocked if the Cardholder exceeds the number

of PIN attempts permitted by the Issuer.

3.7 Use of a Consumer Device CVM

A Consumer Device CVM (CDCVM) may only be used as a CVM for Transactions if:

1. The CDCVM has been qualified by Mastercard, as set forth in Chapter 3 of the Security

Rules and Procedures; and

2. The person authenticated has been identified and verified as an authorized Cardholder in

accordance with Issuer-approved parameters.

When a CVM is requested or required for a Transaction and a CDCVM is used, the Issuer must

either perform CDCVM verification or confirm that CDCVM verification was successful.

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3.8 POI Currency Conversion

For purposes of these POI currency conversion Rules, billing currency is the currency in which the

Card was issued.

POI currency conversion is a service that may be offered by a Merchant or Acquirer. The service

enables a Cardholder to decide whether a Transaction should be completed in either the local

currency or the billing currency. POI currency conversion is also referred to as dynamic currency

conversion, or DCC. If POI currency conversion is used for a Transaction, the foreign exchange

rate is applied by the Merchant or Acquirer.

When POI currency conversion is offered, the Transaction currency is the currency selected by

the Cardholder at the Point-of-Sale (POS) Terminal, ATM Terminal, or Bank Branch Terminal.

An Acquirer that intends to acquire Transactions on which POI currency conversion has been

performed first must register with the Corporation to do so.

POI currency conversion must not be offered, as follows:

• On a Contactless Transaction (including any Contactless transit aggregated Transaction)

that is equal to or less than the applicable CVM limit. POI currency conversion optionally may

be offered on a Contactless Transaction that exceeds the CVM limit.

• On any Card or Account identified in the Mastercard Parameter Extract (MPE) as ineligible

for POI currency conversion, including but not limited to:

– Any ATM or face-to-face Transaction effected with Mastercard and Maestro Prepaid

Cards that have single or multi-currency features;

– Any Mastercard and Maestro branded debit Card that is a multi-currency Card where the

Issuer’s associated account range for all cross-border Card-present Transaction Volume of

a full calendar year is equal to or greater than fifty percent of its total Card-present

Transaction Volume in the same year.

– On a Virtual Account used to purchase travel services pursuant to the Mastercard

Enterprise Solution Wholesale Travel Program.

POI currency conversion may be offered, subject to all of the following conditions:

• No specific currency conversion method may be implemented as the default option, except

that when POI currency conversion is offered on the Internet, a currency conversion option

may be pre-selected. When POI Currency Conversion is offered for an e-commerce

Transaction and the currency conversion option is pre-selected, the Cardholder must be

informed of the pre-selection and provided with the means to decline the currency

conversion;

• A Cardholder may not be required or encouraged (i.e., “steered”) in any manner to use POI

currency conversion. For example, a POS Terminal must not ask or require a Cardholder to

choose to have the Transaction completed in a particular currency, whether by selecting

“YES” or “NO” or by displaying different currency selections in red and green colors, or

otherwise;

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• The offer must be presented in a clear manner and must not use biased or misleading

language that may influence the Cardholder's currency selection; and

• In addition to meeting any requirement under applicable local law or regulation, the offer

must comply with the following Cardholder disclosure requirements, as applicable.

NOTE: A modification to this Rule appears in the “Europe Region” section at the end of this chapter.

3.8.1 Cardholder Disclosure Requirements

Before an authorization or preauthorization request for the Transaction is submitted, and

before the Cardholder decides the currency in which the Transaction is to be completed:

• The Cardholder must be clearly informed that the Cardholder has the right to choose the

currency in which the Transaction will be completed;

• The Cardholder must be clearly informed of each of the following:

– Transaction amount in the local currency;

– Transaction amount in the billing currency;

– Currency conversion rate to be applied should the Transaction be completed in the billing

currency;

– Any other fee that can be charged in the event the cardholder selects POI currency

conversion;

• The Merchant and Terminal must honor Cardholder's currency selection; and

Each Terminal or Merchant Environment

identified as a…

Must include the following message to the Cardholder when

POI Currency Conversion is offered…

Unattended POS Terminal Before the Cardholder is asked to select a currency in which the

Transaction is to be completed, the unattended POS Terminal

must clearly disclose the following language, verbatim, to the

Cardholder: "MAKE SURE YOU UNDERSTAND THE COSTS OF

CURRENCY CONVERSION AS THEY MAY BE DIFFERENT

DEPENDING ON WHETHER YOU SELECT YOUR HOME

CURRENCY OR THE TRANSACTION CURRENCY."

If an unattended POS Terminal cannot comply with the

Cardholder disclosure requirements set forth above, the

Merchant must satisfy the requirements by some alternative

means designed to ensure that the Cardholder understands the

POI currency conversion before the Cardholder is asked to decide

the currency the Transaction is to be completed in.

ATM Terminal

Before the Cardholder is asked to select a currency in which the

Transaction is to be completed, the ATM Terminal must clearly

disclose the following language, verbatim, to the Cardholder:

"MAKE SURE YOU UNDERSTAND THE COSTS OF CURRENCY

CONVERSION AS THEY MAY BE DIFFERENT DEPENDING ON

WHETHER YOU SELECT YOUR HOME CURRENCY OR THE

TRANSACTION CURRENCY."

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Each Terminal or Merchant Environment

identified as a…

Must include the following message to the Cardholder when

POI Currency Conversion is offered…

E-commerce Transaction Before the Cardholder is asked to select a currency in which the

Transaction is to be completed, the Merchant's website must

clearly disclose the following language, verbatim, to the

Cardholder during the checkout process:

"MAKE SURE YOU UNDERSTAND THE COSTS OF CURRENCY

CONVERSION AS THEY MAY BE DIFFERENT DEPENDING ON

WHETHER YOU SELECT YOUR HOME CURRENCY OR THE

TRANSACTION CURRENCY."

In its sole discretion, the Corporation may approve or reject the presentation or display of

cardholder disclosure at the POI.

3.8.2 Cardholder Disclosure - Transaction Receipt Information

Refer to section 3.13 Transaction Receipts, 3.13.1 POS and Mastercard Manual Cash

Disbursement Transaction Receipt Requirements, and section 3.13.2 ATM and Bank Branch

Terminal Transaction Receipt Requirements regarding provision of Transaction receipts and the

information that must be disclosed on a Transaction receipt when the Cardholder has chosen to

use the POI currency conversion service to complete the Transaction.

3.8.3 Priority Check-Out

Before initiating POI Currency Conversion for a priority check-out Transaction, a Merchant must

complete a written agreement with the Cardholder that specifies all of the following:

• The Cardholder has been offered a choice of currencies for payment, whether a Transaction

should be completed in either the local currency or the billing currency;

• The Cardholder has agreed that POI Currency Conversion will take place;

• The specific Transaction currency agreed by the Cardholder;

• That the Cardholder expressly agrees to POI Currency Conversion;

• Any currency conversion commission, fees, or mark-up on the exchange rate; and

• If applicable, that the exchange rate will be determined by the Merchant at a later time,

without additional consultation with the Cardholder.

If the Cardholder actively chooses POI Currency Conversion, the Transaction receipt must

include the same disclosures previously provided to the Cardholder in addition to all other

required information that is described in detail in Rule 3.8.2 Cardholder Disclosure —Transaction

Receipt Information.

3.8.4 Transaction Processing Requirements

The currency chosen by the Cardholder must be indicated as the Transaction currency in DE 49

of Transaction messages.

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The POI currency conversion indicator, pre-conversion currency, and amount must be provided in

DE 54 of Financial Transaction/0200 messages and First Presentment/1240 messages.

If the Cardholder does not choose to have the Transaction completed in the Cardholder’s billing

currency, the Transaction must be completed and processed in the local currency.

A refund Transaction must be processed in the same currency used when the returned goods or

canceled services were purchased.

Before offering POI currency conversion at an ATM Terminal, the Acquirer must either submit

the proposed screen messages and a sample receipt to the Corporation for review and potential

approval or implement screen messages and receipts in the form shown in Appendix F.

NOTE: The Mastercard standard disclaimer is shown in the Model Screen Offering POI Currency

Conversion, Appendix F.

3.9 Multiple Transactions—Mastercard POS Transactions Only

All products and services purchased in a single Transaction must be included in one total amount

on a single Transaction receipt and reflected in a single Transaction record, with the following

exceptions:

• A Merchant may accept more than one payment method for a single purchase, provided that

the Transaction record and receipt reflects only the portion of the purchase to be paid by

means of an Account.

• A Merchant may complete a consumer’s purchase of multiple products or services by

individually billing the products or services in separate Transactions to the same Account, in

accordance with the acceptance procedures.

3.10 Partial Payment—Mastercard POS Transactions Only

A Merchant is prohibited from effecting a Transaction where only a part of the total purchase

amount is included on the Transaction record and receipt, except in the following circumstances:

• The customer pays a portion of the total purchase amount by means of an Account and pays

the remaining balance by another payment method, such as cash or check.

• The products or services will be delivered or performed after the Transaction date, one

Transaction receipt represents a deposit, and the second Transaction receipt represents

payment of the balance. The Merchant must note the words “deposit” and “balance” on the

Transaction receipts as appropriate. The second Transaction receipt is contingent on the

delivery or performance of the products or services, and must not be presented until after

the products or services are delivered or performed.

• The Cardholder has agreed in writing to be billed by the Merchant in installments, and has

specified the installment payment schedule and/or each installment payment amount to be

billed to the Account.

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3.11 Specific Terms of a Transaction

The Merchant may impose specific terms governing a Transaction by, for example:

1. Legible printing of the specific terms on the Transaction receipt; or

2. Disclosing the specific terms by other means, such as by signage or literature, provided the

disclosure is sufficiently prominent and clear so that a reasonable person would be aware of

and understand the disclosure before the Transaction is completed.

Specific Transaction terms may include, for example, such words as “No Refunds,” “Exchange

Only,” “In-Store Credit Only,” or “Original Packaging Required for Returns.” Specific terms may

address such matters as late delivery, delivery charges, or insurance charges.

The specific terms printed on the Transaction receipt offered to the Cardholder will govern in the

event of a dispute, subject to compliance with other Standards.

3.11.1 Specific Terms of an E-commerce Transaction

In an e-commerce Transaction:

1. A Cardholder may accept specific Transaction terms by electronic means (for example, by

checking a box or clicking a “Submit” button indicating the acceptance of terms and

conditions); and

2. A Merchant must clearly communicate, and the Cardholder must specifically accept, any

terms concerning a recurring payment or installment billing Transaction arrangement

separately from any other terms (for example, by checking a box or clicking a “Submit”

button indicating the acceptance of recurring payment or installment billing terms and

conditions).

The specific Transaction terms will govern in the event of a dispute, subject to compliance with

other Standards, provided that such specific terms were disclosed to and accepted by the

Cardholder before completion of the Transaction.

3.12 Charges for Loss, Theft, or Damage—Mastercard POS

Transactions Only

A charge for loss, theft, or damage must be processed as a separate Transaction from the

underlying rental, lodging, or other Transaction.

The Merchant must provide a reason for the charge and a reasonable estimate of the cost of

repairs to the Cardholder. After gaining the Cardholder’s authorization of the charge and the

estimated cost, the Merchant must process the Transaction as one of the following:

• A Card-present Transaction. For CVM requirements, see Rule 3.4.

• A fully authenticated e-commerce Transaction

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The Transaction receipt must include a statement indicating that the estimated amount

charged for repairs will be adjusted upon completion of the repairs and submission of the invoice

for such repairs.

The final amount of a Transaction relating to repairs must not exceed the Merchant’s estimated

amount. If the Merchant obtains a preauthorization for an estimated amount, and the

Transaction amount exceeds the authorized amount, the Merchant may request an additional

authorization. In connection with such Transactions, the Issuer must not place a hold on the

Cardholder’s Account in excess of the authorized amount.

3.13 Transaction Receipts

A Transaction receipt (also called a Transaction Information Document, or TID) must be offered

to the Cardholder upon completion of a Transaction as required by and in a form that is

compliant with the Standards and applicable law or regulation.

All products and services purchased or cash disbursed in the same Transaction must be included

on a single Transaction receipt. A Transaction receipt must also be offered for a refund

Transaction.

At POS Terminals

At a POS Terminal (including any MPOS or CAT device unless otherwise stated), a paper

Transaction receipt must be offered to the Cardholder. A POS Terminal may also offer the

Cardholder the option of a receiving a Transaction receipt electronically in digital form, such as

through email, text, Merchant website, or other electronic means. The offer of a Transaction

receipt may be made verbally by the Merchant or electronically by the POS Terminal (such as a

Cardholder-facing screen asking "Receipt? Press YES or NO" or "Paper receipt? Email receipt?

No receipt?").

The following exceptions to the above Standard apply:

• A Transaction receipt is not required to be offered if the Transaction is a Contactless

Transaction (including a Contactless transit aggregated Transaction) that is equal to or less

than the CVM limit but must be provided (on paper or digitally) upon Cardholder request.

• The following POS Terminal types are not required to provide a Transaction receipt at the

time the Transaction is conducted, provided the Merchant has a means by which to provide a

Transaction receipt at a later date upon Cardholder request and clearly displayed the

method for such request at the Merchant location:

– A POS Terminal identified as a CAT 1, CAT 2, or CAT 3 device and using MCC 5499

(Miscellaneous Food Stores - Convenience Stores, Markets, Specialty Stores); and

– An unattended contactless-only POS Terminal (see Rule 4.7 for information about

contactless-only acceptance).

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If the means by which the Merchant will provide a Transaction receipt involves the storage,

transmission, or processing of Card data, then the Acquirer must ensure such means comply

with the Payment Card Industry Data Security Standard (PCI DSS).

• A contactless-only POS Terminal identified as a CAT 1, CAT 2, or CAT 3 device and using MCC

8398 (Organizations, Charitable and Social Service) offering a Transaction equal to or less

than USD 15 (or local currency equivalent) may be deployed without the capability to provide

a Transaction receipt at the time the Transaction is conducted or at a later date. The inability

to provide a receipt must be clearly displayed on the CAT device prior to the Transaction

being completed.

An in-flight POS Terminal identified as a CAT 4 device must offer a Transaction receipt, as

described in Appendix D.

At ATM and Bank Branch Terminals

A Transaction receipt must be offered for a cash withdrawal or other financial Transaction

occurring at an ATM or, if technically feasible, a Bank Branch Terminal.

A Transaction receipt may be paper or electronic, such as a digital receipt through email, text,

Merchant website, or other electronic means. The offer of a Transaction receipt may be made

verbally or electronically (such as a Cardholder-facing screen asking "Receipt? Press YES or NO"

or "Paper receipt? Email receipt? No receipt?").

ATM cash withdrawals without paper receipts are allowed when the device is out of paper, the

Cardholder being duly advised.

NOTE: A variation to this Rule provision appears in the "Europe Region" section at the end of this

chapter.

Card-not-present Transactions

A receipt must be provided for each Card-not-present Transaction. For each completed e-

commerce Transaction, a printable receipt page must be displayed after the Cardholder

confirms a purchase. With respect to an e-commerce Transaction, non-face-to-face recurring

payment Transaction, or any other Card-not-present Transaction upon Cardholder request, a

receipt may be sent to the Cardholder by email or other electronic means.

3.13.1 POS and Mastercard Manual Cash Disbursement Transaction Receipt Requirements

All of the following information must be included on a Transaction receipt (no other information

is required):

1. The “doing business as” (DBA) Merchant name, city, state/province, and country, or the

financial institution location as provided in DE 43 (Card Acceptor Name/Location).

2. The Transaction type (retail sale, cash disbursement, refund).

3. The primary account number (PAN), in compliance with Rule 3.13.3. When an Access Device

is presented, the Transaction receipt must display the PAN (in truncated form) for the

Account accessed by means of that Contactless Payment Device, which may differ from the

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PAN on a Card linked to the same Account. If available, the truncated Card PAN may also be

displayed for informational purposes.

4. A description and the price of each product and service purchased or returned, including

applicable taxes, in detail sufficient to identify the Transaction.

5. The total Transaction amount and Transaction currency. If no currency is identified on the

Transaction receipt, the Transaction is deemed to have taken place in the currency that is

legal tender at the POI. If the Cardholder has chosen to use a POI currency conversion

service to complete the Transaction as described in section 3.8 POI Currency Conversion, the

Transaction receipt must disclose all of the following:

– The total Transaction amount in the local currency;

– The total Transaction amount in the converted currency as agreed to by the Cardholder;

– The currency symbol or code of each; and

– The currency conversion rate used.

6. The Transaction date. (For Transaction date requirements, see Appendix C.)

7. For Card-present Mastercard POS Transactions completed with a manual imprinter, a

legible imprint of the Card (unless the Card is unembossed).

8. The authorization approval code, if obtained from the Issuer. If multiple authorizations are

obtained over the course of the Transaction (as may occur for lodging, cruise line, or vehicle

rental Transactions), all authorization numbers, the amounts authorized, and the date of

each authorization must be included.

9. For a Chip Transaction, the application identifier (AID) and the application preferred name

or application label.

10. For signature-based Transactions occurring at a Merchant that chooses to perform or is

required by applicable law or regulation to perform signature collection, adequate space for

the Cardholder’s signature on the Merchant’s copy (and optionally on the Cardholder’s copy).

A space for the Cardholder’s signature should be omitted from the Transaction receipt if the

Transaction is completed with a PIN or Consumer Device CVM (CDCVM) as the CVM or no

CVM is used. The Transaction receipt may optionally indicate that successful PIN or CDCVM

verification has occurred.

If personal identification is requested for a face-to-face unique Transaction or Manual Cash

Disbursement Transaction, the personal identification type and number must not be recorded

on the Transaction receipt (refer to Rule 3.1.1).

If a receipt is produced following an unsuccessful Transaction attempt, the receipt must indicate

the response or failure reason.

NOTE: An addition to this Rule appears in the “Europe Region” section at the end of this chapter.

3.13.2 ATM and Bank Branch Terminal Transaction Receipt Requirements

All of the following information must be included on a Transaction receipt (no other information

is required):

1. Identification of the Acquirer (for example, the institution name or logotype).

2. The ATM or Bank Branch Terminal location.

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3. The Transaction amount (in a dual currency environment, the Transaction currency must be

identified on the receipt; in all other environments, the Transaction currency symbol is

recommended). If the Cardholder has chosen to use a POI currency conversion service to

complete the Transaction as described in section 3.8 POI Currency Conversion, the

Transaction receipt must disclose all of the following:

– The total Transaction amount in the local currency;

– The total Transaction amount in the converted currency as agreed to by the Cardholder;

– The currency symbol or code of each; and

– The currency conversion rate used.

4. The Transaction time and date.

5. The primary account number (PAN), in compliance with Rule 3.13.3. When an Access Device

is presented, the Transaction receipt must display the PAN (in truncated form) for the

Account accessed by means of that Contactless Payment Device, which may differ from the

PAN on a Card linked to the same Account. If available, the truncated Card PAN may also be

displayed for informational purposes.

6. The Transaction type (cash disbursement).

7. The Transaction sequence number.

8. An electronic recording of the magnetic stripe-read or chip-read Card data.

9. For a Chip Transaction, the application label and, at the Acquirer’s discretion, the

Transaction certificate (in its entirety) and related data.

10. For Merchandise Transactions only, a statement that the Transaction was for the purchase

of products or services.

An ATM or Bank Branch Terminal must clearly describe, by receipt, screen information, or both,

the action taken by the Issuer in response to a Cardholder’s request (approved or rejected).

3.13.3 Primary Account Number (PAN) Truncation and Expiration Date Omission

A Transaction receipt generated by an electronic Terminal, whether attended or unattended,

must not include the Card expiration date. In addition, a Transaction receipt generated for a

Cardholder by an electronic Terminal, whether attended or unattended, must reflect only the

last four digits of the primary account number (PAN). All preceding digits of the PAN must be

replaced with fill characters, such as “X,” “*,” or “#,” that are neither blank spaces nor numeric

characters.

The Corporation strongly recommends that if an electronic POS Terminal generates Merchant

copies of Transaction receipts, the Merchant copies should also reflect only the last four digits of

the PAN, replacing all preceding digits with fill characters, such as “X,” “*,” or “#,” that are neither

blank spaces nor numeric characters.

NOTE: Modifications to this Rule appear in the “Europe Region” section at the end of this chapter.

3.13.4 Prohibited Information

The Transaction receipt or any other Acquirer or Merchant document must not reflect:

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• The PIN, any part of the PIN, or any fill characters representing the PIN; or

• The Card validation code 2 (CVC 2).

3.13.5 Standard Wording for Formsets

A formset is a Transaction receipt produced by a manual imprinter. The following wording, in

English, the local language, or both (or words to similar effect) should appear on the Cardholder

copy of a formset:

“IMPORTANT—retain this copy for your records.”

In addition, the following wording (or words to similar effect) should appear on each copy of a

formset for the specified Transaction type.

Retail Sale and Manual Cash Disbursement Transactions—“The Issuer of the Card identified on

this receipt is authorized to pay the amount shown as ‘total’ upon proper presentation. I

promise to pay such total (together with any other charges due thereon) subject to and in

accordance with the agreement governing the use of such Card.”

Refund Transactions—“I request that the above Cardholder account be credited with the

amount shown as ‘total’ because of the return of, or adjustments on, the goods, services, or

other items of value described.”

3.14 Returned Products and Canceled Services

A Merchant is required to accept the return of products or the cancellation of services unless

specific disclosure was provided at the time of the Transaction.

Upon the return in full or in part of products or the cancellation of a service purchased with a

Card, or if the Merchant agrees to a price adjustment on a purchase made with a Card, the

following applies:

• If a Mastercard Card was used, the Merchant may not provide a price adjustment by any

means other than a credit to the same Card Account used to make the purchase (or a Card

reissued by the same Issuer to the same Cardholder).

• If a Maestro Card was used, a Merchant may offer a price adjustment by means of a credit,

provided the credit is posted to the same Card Account used to make the purchase (or a

Card reissued by the same Issuer to the same Cardholder).

In a Card-present environment, the Merchant should ask the Cardholder for a Transaction

receipt identifying (by means of a truncated PAN) the payment card used for the original

purchase Transaction (but be aware that if an Access Device was used, the PAN on a Card linked

to the same Account may not match the PAN on the receipt).

In the case of involuntary refunds by airlines or other Merchants as required by law, or if the

Card used to make the purchase is not available, or the Merchant’s refund Transaction

authorization request is declined, the Merchant must act in accordance with its policy for

adjustments, refunds, returns, or the like, which may include providing a cash, check, or prepaid

card refund.

Acceptance Procedures

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Upon Mastercard approval, a Merchant may offer Cardholders the option of a “fast refund”

using the MoneySend Payment Transaction, as described in the Mastercard MoneySend and

Funding Transactions Program Standards. The fast refund using the MoneySend Payment

Transaction may be submitted to the same Account used in the original purchase (as identified

on the purchase Transaction receipt) or to a different Account, for example when the Issuer of

the Card or Access Device used in the original purchase declines a refund Transaction

authorization request. A Merchant enabled for the fast refund using the MoneySend Payment

Transaction must continue to support and offer the refund Transaction.

NOTE: A modification to this Rule appears in the “Europe Region” section at the end of this chapter.

3.14.1 Refund Transactions

A Merchant must process a refund Transaction only for the purpose of crediting funds to a

Cardholder for returned products, canceled services, or a price adjustment related to a prior

purchase.

The refund Transaction:

• must be processed in the same currency as used in the related purchase Transaction; and

• must not exceed the authorized amount of the related purchase Transaction, except as may

occur due to currency value fluctuations or when the Merchant agrees to credit return

shipping costs.

Key entry of Card data is not permitted for Maestro refund Transactions conducted in a Card-

present environment. For information about chip-based refund Transactions, refer to the M/

Chip Requirements for Contact and Contactless manual.

When the original purchase was…

Then the refund Transaction…

A Chip Transaction May be completed without Chip Card authentication, Cardholder

verification (CVM), or online authorization from the Issuer. No

Transaction cryptogram will be produced for a refund Transaction

unless online authorization occurs. Refer to the M/Chip

Requirements for Contact and Contactless manual for details.

Authorization may occur at the Merchant's option but PIN data is

not required; an Issuer must not decline a refund Transaction

solely because of the absence of PIN data.

A dual message magnetic stripe

Transaction

May be completed without CVM or online authorization from the

Issuer.

A single message magnetic stripe

Transaction

May be completed without CVM. In a Card-present environment,

the Card must be read by the POS Terminal; in a Card-not-

present environment, the Card data may be key-entered.

Authorization must occur but PIN data is not required; an Issuer

must not decline a refund Transaction solely because of the

absence of PIN data.

Acceptance Procedures

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The Cardholder must be provided a copy of the refund Transaction receipt containing:

• The date of the refund;

• A description of the returned products, canceled services, or adjustment made; and

• The amount of the refund.

NOTE: Modifications to this Rule appear in the "Europe Region," "Middle East/Africa Region," and

"Additional U.S. Region and U.S. Territory Rules" sections at the end of this chapter.

3.15 Transaction Records

Each Transaction record must reflect a valid and accurate Transaction date, as defined in

Appendix C. A Merchant must provide all products and services included in a Transaction record

to the Cardholder at the time of the Transaction unless, prior to completion of the Transaction,

the Cardholder agrees to a delayed delivery of products or performance of services.

The following applies with respect to Mastercard POS Transactions:

1. The Merchant must submit each purchase and refund Transaction record to its Acquirer no

later than three business days after the Transaction date.

2. Upon providing a full or partial refund for returned products or canceled services, the

Merchant must submit the refund Transaction record to its Acquirer within 15 days of the

refund Transaction receipt date, in order to avoid a Credit Not Processed chargeback.

NOTE: Modifications to this Rule appear in the "Asia/Pacific Region" section at the end of this chapter.

3.15.1 Transaction Presentment Time Frames

Upon receiving the Transaction record, the Acquirer must present the Transaction within the

applicable presentment time frame in order to avoid an Expired Chargeback Protection Period

chargeback.

The Acquirer must present a Transaction to the Issuer within the following presentment time

frames:

• The authorization was identified as a preauthorization (DE 61 [Point-of-Service (POS)

Data], subfield 7 (POS Transaction Status) contains a value of 4 [Preauthorized request])

and the transaction was presented or completed more than 30 calendar days after the

latest authorization approval date.

• The authorization was not identified as a preauthorization and the transaction was

presented more than seven-calendar days after the authorization approval date.

• For a Mastercard purchase Transaction, no later than 30 calendar days after the latest

authorization approval date for a preauthorization or no later than seven calendar days after

the authorization approval date for any other authorization, or for an offline chip-approved

purchase Transaction or other Transaction not requiring online authorization by the Issuer,

seven calendar days after the Transaction date.

• Seven calendar days after the Transaction date of a Maestro purchase Transaction;

Acceptance Procedures

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• Seven calendar days after the Transaction date of an ATM Transaction;

• Within one calendar day of the authorization date of a Payment Transaction;

• Within 14 calendar days of the authorization date of a Contactless transit aggregated

Transaction; and

• Within five calendar days of the Transaction date of a refund Transaction (the date on the

Transaction receipt, or if the refund Transaction was authorized by the Issuer, then the

authorization date).

An Issuer must accept Transactions submitted beyond the applicable time frame if the

Cardholder's Account is in good standing or the Transaction can be otherwise honored and

posted.

3.15.2 Retention of Transaction Records

The Acquirer must retain a record of each Transaction it receives or sends for a minimum of 13

months, or such longer period as may be required by applicable law or regulation.

Variations and Additions by Region

The remainder of this chapter provides modifications to the Standards set out in this chapter.

The modifications are organized by region or country and by applicable subject title.

Asia/Pacific Region

The following modifications to the Rules apply in the Asia/Pacific Region or in a particular

Region country or countries. Refer to Appendix A for the Asia/Pacific Region geographic listing.

3.14 Returned Products and Canceled Services

3.14.1 Refund Transactions

In Australia, the Rule on this subject is modified as follows.

When the original purchase Transaction includes a surcharge, the refund Transaction must

include the full or prorated surcharge amount.

3.15 Transaction Records

Effective 3 April 2024 for India Domestic Transactions, the Rule on this subject is modified as

follows:

1. A purchase Transaction must be submitted to its Acquirer in accordance with its Merchant

Agreement and in compliance with all applicable laws and regulations.

2. Upon providing a full or partial refund for returned products or canceled services, the

Merchant must submit the refund Transaction record to its Acquirer in accordance with its

Merchant Agreement and in compliance with all applicable laws and regulations.

Acceptance Procedures

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3.15.1 Transaction Presentment Time Frames

Effective 3 April 2024 for India Domestic Transactions, the Rule on this subject is modified as

follows.

The Acquirer must present a Transaction to the Issuer within the following presentment time

frames:

• Within one calendar day of the authorization approval date of a Payment Transaction;

• Within four calendar days of the final authorization approval date for all other Transactions.

Canada Region

The following modifications to the Rules apply in the Canada Region. Refer to Appendix A for

the Canada Region geographic listing.

3.3 Obtaining an Authorization

3.3.1 Mastercard POS Transaction Authorization Procedures

The requirement to obtain online authorization from the Issuer for a refund Transaction does

not apply to Merchants in the Canada Region.

Europe Region

The following modifications to the Rules apply in the Europe Region or in a particular Region

country or countries. Refer to Appendix A for the Europe Region, Non-Single European Payments

Area (Non-SEPA) and Single European Payments Area (SEPA) geographic listing.

3.1 Card-Present Transactions

3.1.1 Mastercard Card Acceptance Procedures

Suspicious Cards

In the EEA, UK and Gibraltar, the Rule on this subject is modified as follows.

A suspicious Card must be identified in the field of the authorization message and with the

value specified by the registered switch of the Customer's choice.

3.2 Card-Not-Present Transactions

The following Rule variation applies with respect to Merchants located in the Europe Region.

A Merchant must not refuse to complete a Remote Electronic Transaction solely because the

Issuer does not request Strong Customer Authentication (SCA), as Issuer exemptions from SCA

may apply.

Acceptance Procedures

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A Merchant must not refuse to complete a Remote Electronic Transaction solely because the

Issuer does not support the Mastercard Identity Check Program, given that the Issuer may use

alternative technical solutions for SCA.

The liability shift applies equally to EMV 3DS as to 3DS 1.0.2. Refer to the Chargeback Guide for

more information.

3.3 Obtaining an Authorization

3.3.1 Mastercard POS Transaction Authorization Procedures

In the EEA, UK and Gibraltar, Contactless transit aggregated and transit debt recovery

Transactions and automated fuel dispenser (AFD) Transactions (MCC 5542) are not excluded

from the requirement for a Merchant to inform the Cardholder of any estimated amount for

which authorization will be requested and to obtain the Cardholder's consent to the amount

before initiating the authorization request. As an example, a Merchant may comply with this

information requirement by allowing the Cardholder to select the preauthorization amount at

the Terminal or via a clearly readable sticker or other notice placed at the Point-of-Interaction

(POI).

At an unattended POS Terminal, the Cardholder may express consent to the amount by

continuing with the Transaction.

Authorization of Lodging, Cruise Line, and Vehicle Rental Transactions

In the EEA, UK and Gibraltar, the Rule on this subject is modified as follows.

A partial approval must be identified in the field and with the value specified by the registered

switch of the Customer's choice.

Authorization When the Cardholder Adds a Gratuity

In the EEA, the Rule on this subject is modified as follows.

A partial approval must be identified in the field and with the value specified by the registered

switch of the Customer's choice.

3.3.2 Maestro POS Transaction Authorization Procedures

In the Europe Region, the Rule on this subject is modified as follows.

A Merchant must inform the Cardholder of any estimated amount for which authorization will

be requested and must obtain the Cardholder's consent to the amount before initiating the

authorization request. This requirement does not apply to:

• Contactless transit aggregated Transactions and transit debt recovery Transactions,

• Automated fuel dispenser (AFD) Transactions (MCC 5542), or

• An authorization requested for an amount otherwise confirmed by the Cardholder to be the

final Transaction amount.

In the EEA, UK and Gibraltar, the above Rule is modified as follows.

Acceptance Procedures

3.3 Obtaining an Authorization

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A Merchant must inform the Cardholder of any estimated amount for which authorization will

be requested and must obtain the Cardholder's consent to the amount before initiating the

authorization request also for Contactless transit aggregated or transit debt recovery

Transactions and for automated fuel dispenser (AFD) Transactions (MCC 5542). As an example,

a Merchant may comply with this information requirement by allowing the Cardholder to select

the preauthorization amount at the Terminal or via a clearly readable sticker or other notice

placed at the Point of Interaction.

At an unattended POS Terminal, the Cardholder may express consent to the amount by

continuing with the Transaction.

To extend the duration of the reason code 4808 chargeback protection period afforded for each

approved authorization, the Merchant may submit additional authorization requests for the

same Transaction on later dates, as described in Rule 2.1.

3.5 Maestro Cardholder Verification Requirements

In the Europe Region, the Rule on this subject is modified as follows.

The Cardholder must be verified by a PIN for each Contactless Transaction conducted in the

Europe Region with a Card issued in the Europe Region that exceeds the applicable Contactless

Transaction CVM limit amount.

3.8 POI Currency Conversion

In the EEA, UK and Gibraltar, the Rule on this subject is modified as follows.

The currency chosen by the Cardholder and the pre-conversion currency and amount must be

identified in the fields specified by the registered switch of the Customer's choice.

The POI currency conversion indicator must be populated in the field and with the value

specified by the registered switch of the Customer's choice.

3.13 Transaction Receipts

In the Europe Region, the Rule on this subject is modified as follows.

At POS Terminals

The Merchant is not required to automatically offer a paper Transaction receipt to the

Cardholder. If the Cardholder expressly requests a receipt, one must be provided, either on paper

or digitally.

In the following specific cases, a paper Transaction receipt must be automatically offered:

• A Merchant that requires a paper receipt for a refund must offer the Cardholder a paper

receipt;

• A Merchant that applies an exchange or return policy must offer a paper receipt on which the

policy is stated, in accordance with Rule 3.11 Specific Terms of a Transaction.

• If a paper receipt is otherwise required by applicable law or regulation (e.g., to document a

warranty).

Acceptance Procedures

3.5 Maestro Cardholder Verification Requirements

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119

If the Merchant provides a paper cash register receipt, tax invoice, or other type of receipt for a

Transaction, it is not required to additionally offer a paper POS Terminal receipt.

Provision of the Transaction receipt by digital (non-paper) means is strongly recommended.

When the Merchant offers a Transaction receipt by digital means, it must clearly inform the

Cardholder how to access the receipt and whether the Merchant needs to process any

additional Personal Data, such as Cardholder contact details, to enable access to the receipt.

The Merchant must limit the processing of the Cardholder's additional Personal Data only for

the purpose of making the receipt available to the Cardholder. The Merchant must ensure that

the digital receipt is promptly available.

The Merchant's copy of the Transaction receipt need not be on paper and may be stored and

provided in digital form.

At a POS Terminal in France, a paper Transaction receipt must not be automatically provided. A

paper Transaction receipt must be provided in the following cases:

• if the Cardholder expressly requests one,

• in case of cancellation of the Transaction,

• if the Transaction is for a refund,

• if the purchase is of durable goods for which a legal guarantee applies, and

• in any other case specified in applicable law, as amended from time to time.

When a paper Transaction receipt is not provided to the Cardholder, the Merchant is permitted

to provide a digital receipt.

At ATM Terminals

ATM Terminals that do not have receipt-printing capability may be deployed in the Europe

Region.

For every completed Transaction, an ATM Terminal with receipt printing capability must make a

receipt available to the Cardholder, either automatically or upon the Cardholder's request.

A cash withdrawal without a printed receipt is allowed only if the ATM Terminal does not have

receipt-printing capability or is out of paper. The Cardholder must be advised prior to the

Transaction that a printed receipt is not available.

As an exception to this Rule, an ATM Terminal in France must have receipt-printing capability

and must not automatically provide a paper Transaction receipt. A paper Transaction receipt

must be provided in the following cases:

• upon Cardholder request,

• in case of cancellation of the Transaction, and

• in any other case specified in applicable law, as amended from time to time.

3.13.1 POS and Mastercard Manual Cash Disbursement Transaction Receipt Requirements

In the Europe Region, the Rule on this subject is modified as follows.

Acceptance Procedures

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120

A Terminal may print the Transaction amount in the Transaction currency and a maximum of

one different currency on the Transaction receipt.

The Transaction amount printed in a different currency must appear at the bottom of the

receipt with a clear indication that it is being provided only for information purposes.

3.13.3 Primary Account Number (PAN) Truncation and Expiration Date Omission

In the Netherlands, the Rule on this subject is replaced with the following:

A Transaction receipt generated by an electronic Terminal, whether attended or unattended,

must not include the Card expiration date. In addition, a Transaction receipt generated for a

Cardholder by an electronic Terminal, whether attended or unattended, must reflect a

maximum of four of the last seven digits of the PAN. All non-reflected digits of the PAN must be

replaced with fill characters, such as “X,” “*,” or “#.”

The Corporation strongly recommends that if a POS Terminal generates a Merchant copy of the

Transaction receipt, the Merchant copy should also reflect a maximum of four of the last seven

digits of the PAN, replacing all non-reflected digits with fill characters that are neither blank

spaces nor numeric characters, such as “X,” “*,” or “#.”

3.14 Returned Products and Canceled Services

For intra-European and inter-European Transactions, the Rule on this subject is modified as

follows:

If a Merchant agrees to provide a refund or price adjustment, it may provide the refund or price

adjustment by any means.

3.14.1 Refund Transactions

For intra-European and inter-European Transactions, the Rule on this subject is modified as

follows:

1. For each refund Transaction, a service fee is paid by the Issuer to the Acquirer. Such fee is

independent of the interchange fee associated with the corresponding POS Transaction.

2. The refund Transaction may be used to return the unused gambling value to the Cardholder,

up to the amount of the original purchase occurring on a Maestro Card. The Gaming

Payment Transaction must be used to transfer gambling winnings to the Cardholder.

3. A refund of a Maestro Transaction may be processed to a Card as a MO/TO Transaction

using manual key entry of the PAN and without reading the magnetic stripe or chip on the

Card. An Issuer must technically support Maestro refund Transactions processed as MO/TO

Transactions.

4. A Transaction printout must be generated for a refund Transaction, with the exception of a

refund processed as a MO/TO Transaction.

Acceptance Procedures

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Latin America and the Caribbean Region

The following modifications to the Rules apply in the Latin America and the Caribbean Region.

Refer to Appendix A for the Latin America and the Caribbean Region geographic listing.

3.4 Mastercard Cardholder Verification Requirements

In Peru, the Rule on this subject is modified as follows.

A Merchant Terminal located in Peru may be configured so that “No CVM” is the only CVM

supported for Chip Transactions conducted with a Chip Card issued in Peru, provided the

Transaction amount is equal to or less than PEN 80.

In this Terminal configuration, “No CVM” replaces both signature and PIN in the Terminal’s list of

supported CVMs. The Acquirer must only use this Terminal configuration for Domestic Peru

Transactions.

3.5 Maestro Cardholder Verification Requirements

In the Latin America and the Caribbean Region, the Rule on this subject is modified as follows.

The Cardholder must be verified by a PIN for:

• Each Maestro Contactless Transaction conducted in Brazil, Chile, or Colombia with a Card

issued in Brazil, Chile, or Colombia that exceeds the applicable Contactless Transaction CVM

limit amount, and

• Each Maestro Magnetic Stripe Mode Contactless Transaction conducted in Brazil with a Card

issued in Brazil that exceeds BRL 50. A CVM is not required for a Magnetic Stripe Mode

Contactless Transaction that is less than or equal to BRL 50.

Middle East/Africa Region

The following modifications to the Rules apply in the Middle East/Africa Region. Refer to

Appendix A for the Middle East/Africa Region geographic listing.

3.14 Returned Products and Canceled Services

3.14.1 Refund Transactions

In Angola, Botswana, Comoros, Democratic Republic of the Congo, Djibouti, Eritrea, Ethiopia,

Ghana, Gambia, Lesotho, Liberia, Madagascar, Malawi, Mauritius, Mozambique, Namibia,

Nigeria, Rwanda, Seychelles, Sierra Leone, Somalia, South Sudan, Swaziland, Tanzania, Uganda,

Zambia, and Zimbabwe, the Rule on this subject is modified as follows with respect to Maestro

POS Transaction refunds:

The refund Transaction may be used to return the unused gambling value to the Cardholder, up

to the amount of the original purchase occurring on a Maestro Card. The Gaming Payment

Transaction must be used to transfer gambling winnings to the Cardholder.

Acceptance Procedures

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United States Region

The following modifications to the Rules apply in the United States (U.S.) Region. Refer to

Appendix A for the U.S. Region geographic listing.

3.3 Obtaining an Authorization

3.3.1 Mastercard POS Transaction Authorization Procedures

The requirement to obtain online authorization from the Issuer for a refund Transaction does

not apply to Merchants in the U.S. Region.

Authorization When the Cardholder Adds a Gratuity

In the U.S. Region, the Rule on this subject is modified as follows.

For Mastercard POS Transactions effected at a U.S. Region Merchant with a Mastercard Card

issued in the U.S. Region, when a preauthorization or an undefined authorization is obtained:

• If the Transaction is a Chip/PIN Transaction, Contactless Transaction, Mastercard Consumer-

Presented QR Transaction, or Card-not-present Transaction identified other than as

described below, any gratuity must be included in the authorization request. A gratuity must

not be added to the authorized amount.

• If the Transaction is a Card-not-present Transaction identified with MCC 5812 (Eating

Places, Restaurants) or MCC 5814 (Fast Food Restaurants), a gratuity may be added after

authorization is obtained, as follows:

– If the gratuity does not exceed 30 percent of the authorized amount, then no additional

authorization is needed.

– If the gratuity exceeds 30 percent of the authorized amount, then the Merchant may

request an incremental authorization for the amount in excess of the authorized amount.

• For all other Transaction types, a gratuity may be added after authorization is obtained, as

follows:

– If the gratuity does not exceed 30 percent of the authorized amount, then no additional

authorization is needed.

– If the gratuity exceeds 30 percent of the authorized amount, then the Merchant may

request an incremental authorization for the amount in excess of the authorized amount.

The Issuer must not place a hold on the Cardholder’s Account in excess of the total authorized

amount or implied authorized amount (inclusive of the 30 percent tolerance, when applicable).

3.5 Maestro Cardholder Verification Requirements

In the U.S. Region, the Rule on this subject is modified as follows.

The Cardholder must be verified by a PIN for each Maestro Contactless Transaction that

exceeds the applicable Contactless Transaction CVM limit amount.

Acceptance Procedures

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No PIN is required when a POS Transaction is conducted as described in “PIN-less Single

Message Transactions” in Chapter 4, or for e-commerce Transactions (including Non-Mastercard

BIN Maestro card-not-present debit card Transactions).

Additional U.S. Region and U.S. Territory Rules

The following variations and additions to the Rules apply in the United States Region and in

American Samoa, Guam, Northern Mariana Islands, Puerto Rico, and the U.S. Virgin Islands

(herein, “the U.S. Territories”).

These Rules apply in addition to any that apply within the Asia/Pacific Region, with respect to

Customers located in American Samoa, Guam, and Northern Mariana Islands; the Latin America

and the Caribbean Region, with respect to Customers located in Puerto Rico and the U.S. Virgin

Islands; and the United States Region, with respect to U.S. Region Customers.

3.14 Returned Products and Canceled Services

3.14.1 Refund Transactions

In the U.S. Region and U.S. Territories, the Rule on this subject is modified as follows.

The refund Transaction must include a full or prorated Brand-Level Surcharge or Product-Level

Surcharge amount, as the terms Brand-Level Surcharge and Product-Level Surcharge are

defined in section 5.12.2, "Charges to Cardholders" of the Mastercard Rules, when the original

purchase Transaction included a Brand-Level Surcharge or Product-Level Surcharge.

Acceptance Procedures

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Chapter 4 Card-Present Transactions

The following Standards apply with regard to Transactions that occur in a Card-present environment, at

attended or unattended Terminals. Where applicable, modifications by region and/or country are

provided at the end of this chapter in the section titled, “Variations and Additions by Region.”

4.1 Chip Transactions at Hybrid Terminals.................................................................................................... 129

4.2 Offline Transactions Performed on Board Planes, Trains, and Ships..................................................129

4.3 No-CVM Magnetic Stripe and Contact Chip Maestro POS Transactions—Europe Region Only... 130

4.4 Contactless Transactions at POS Terminals...........................................................................................131

4.5 Contactless Transit Transactions..............................................................................................................131

4.5.1 Mastercard Contactless Transit Aggregated Transactions.........................................................131

4.5.2 Maestro Contactless Transit Aggregated Transactions...............................................................132

4.6 Contactless Transactions at ATM Terminals...........................................................................................133

4.7 Contactless-only Acceptance.................................................................................................................... 133

4.8 Mastercard Consumer-Presented QR Transactions at POS Terminals..............................................134

4.9 Purchase with Cash Back Transactions................................................................................................... 135

4.10 Transactions at Unattended POS Terminals........................................................................................ 136

4.10.1 Automated Fuel Dispenser Transactions......................................................................................137

4.10.2 Electric Vehicle Charging Transactions.........................................................................................138

4.11 PIN-based Debit Transactions—United States Region Only..............................................................139

4.12 PIN-less Single Message Transactions—United States Region Only.................................................139

4.13 Merchant-approved Maestro POS Transactions..................................................................................139

4.14 Mastercard Manual Cash Disbursement Transactions.......................................................................140

4.14.1 Non-discrimination Regarding Cash Disbursement Services....................................................140

4.14.2 Maximum Cash Disbursement Amounts......................................................................................140

4.14.3 Discount or Service Charges...........................................................................................................141

4.14.4 Mastercard Acceptance Mark Must Be Displayed......................................................................141

4.15 Encashment of Mastercard Travelers Cheques....................................................................................141

4.16 ATM Transactions......................................................................................................................................142

4.16.1 “Chained” Transactions....................................................................................................................142

4.16.2 ATM Transaction Branding..............................................................................................................142

4.17 ATM Access Fees........................................................................................................................................142

4.17.1 ATM Access Fees - Domestic Transactions.................................................................................. 142

4.17.2 ATM Access Fees - Cross-border Transactions............................................................................143

4.17.3 ATM Access Fee Requirements.......................................................................................................143

Transaction Field Specifications for ATM Access Fees......................................................................143

Non-discrimination Regarding ATM Access Fees............................................................................... 143

Card-Present Transactions

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Notification of ATM Access Fee.............................................................................................................143

Cancellation of Transaction...................................................................................................................143

Sponsor Approval of Proposed Signage, Screen Display, and Receipt...........................................143

ATM Terminal Signage............................................................................................................................144

ATM Terminal Screen Display................................................................................................................ 144

ATM Transaction Receipts......................................................................................................................144

4.18 Merchandise Transactions at ATM Terminals....................................................................................... 145

4.18.1 Approved Merchandise Categories................................................................................................145

4.18.2 Screen Display Requirement for Merchandise Categories........................................................146

4.19 Shared Deposits—United States Region Only......................................................................................146

Variations and Additions by Region.................................................................................................................147

Asia/Pacific Region.............................................................................................................................................147

4.1 Chip Transactions at Hybrid Terminals...............................................................................................147

4.5 Contactless Transit Transactions........................................................................................................ 147

4.5.1 Mastercard Contactless Transit Aggregated Transactions................................................... 147

4.9 Purchase with Cash Back Transactions..............................................................................................147

4.10 Transactions at Unattended POS Terminals...................................................................................148

4.10.1 Automated Fuel Dispenser Transactions................................................................................148

4.17 ATM Access Fees.................................................................................................................................. 148

4.17.1 ATM Access Fees—Domestic Transactions............................................................................. 148

Canada Region....................................................................................................................................................149

4.9 Purchase with Cash Back Transactions..............................................................................................149

4.10 Transactions at Unattended POS Terminals...................................................................................149

4.10.1 Automated Fuel Dispenser Transactions................................................................................149

4.17 ATM Access Fees.................................................................................................................................. 149

4.17.1 ATM Access Fees—Domestic Transactions............................................................................. 149

Europe Region..................................................................................................................................................... 150

4.1 Chip Transactions at Hybrid Terminals...............................................................................................150

4.2 Offline Transactions Performed on Board Planes, Trains, and Ships............................................ 150

4.3 No-CVM Magnetic Stripe and Contact Chip Maestro POS Transactions....................................150

4.4 Contactless Transactions at POS Terminals......................................................................................151

4.5 Contactless Transit Aggregated Transactions..................................................................................152

4.5.1 Mastercard Contactless Transit Aggregated Transactions................................................... 152

4.5.2 Maestro Contactless Transit Aggregated Transactions.........................................................152

4.9 Purchase with Cash Back Transactions..............................................................................................153

4.10 Transactions at Unattended POS Terminals...................................................................................157

4.10.1 Automated Fuel Dispenser Transactions................................................................................158

4.13 Merchant-approved Maestro POS Transactions............................................................................158

4.14 Mastercard Manual Cash Disbursement Transactions................................................................. 159

Card-Present Transactions

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4.14.2 Maximum Cash Disbursement Amounts................................................................................ 159

4.17 ATM Access Fees.................................................................................................................................. 159

4.17.1 ATM Access Fees - Domestic Transactions.............................................................................159

4.18 Merchandise Transactions at ATM Terminals..................................................................................159

4.18.1 Approved Merchandise Categories.......................................................................................... 159

Latin America and the Caribbean Region...................................................................................................... 160

4.4 Contactless Transactions at POS Terminals......................................................................................160

4.5 Contactless Transit Aggregated Transactions..................................................................................160

4.5.2 Maestro Contactless Transit Aggregated Transactions.........................................................160

4.9 Purchase with Cash Back Transactions..............................................................................................160

4.17 ATM Access Fees.................................................................................................................................. 162

4.17.1 ATM Access Fees—Domestic Transactions............................................................................. 162

Middle East/Africa Region.................................................................................................................................163

4.9 Purchase with Cash Back Transactions..............................................................................................163

United States Region.........................................................................................................................................163

4.1 Chip Transactions at Hybrid Terminals...............................................................................................163

4.5 Contactless Transit Transactions........................................................................................................ 164

4.5.1 Mastercard Contactless Transit Aggregated Transactions................................................... 164

4.5.2 Maestro Contactless Transit Aggregated Transactions.........................................................165

4.9 Purchase with Cash Back Transactions..............................................................................................165

4.10 Transactions at Unattended POS Terminals...................................................................................166

4.10.1 Automated Fuel Dispenser Transactions................................................................................166

4.11 PIN-based Debit Transactions...........................................................................................................166

4.12 PIN-less Single Message Transactions..............................................................................................166

4.14 Mastercard Manual Cash Disbursement Transactions................................................................. 167

4.14.2 Maximum Cash Disbursement Amounts................................................................................ 167

4.14.3 Discount or Service Charges..................................................................................................... 167

4.17 ATM Access Fees.................................................................................................................................. 168

4.17.1 ATM Access Fees—Domestic Transactions............................................................................. 168

4.18 Merchandise Transactions at ATM Terminals..................................................................................168

4.18.1 Approved Merchandise Categories.......................................................................................... 168

4.19 Shared Deposits...................................................................................................................................168

4.19.1 Non-discrimination Regarding Shared Deposits....................................................................168

4.19.2 Terminal Signs and Notices....................................................................................................... 169

4.19.3 Maximum Shared Deposit Amount..........................................................................................169

4.19.4 Deposit Verification....................................................................................................................169

4.19.5 ATM Terminal Clearing and Deposit Processing.................................................................... 170

4.19.6 Shared Deposits in Excess of USD 10,000............................................................................. 170

4.19.7 Notice of Return..........................................................................................................................170

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4.19.8 Liability for Shared Deposits.....................................................................................................170

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4.1 Chip Transactions at Hybrid Terminals

A Customer must comply with the Standards set forth in the M/Chip Requirements for Contact

and Contactless manual, as modified from time to time, when deploying Hybrid Terminals and

processing Chip Transactions. For information about chip-related incentive interchange rates,

see the applicable regional Interchange Manual.

A Chip Transaction must occur at a Hybrid Terminal and be authorized by the Issuer or the chip,

resulting in the generation of a unique Transaction Certificate (TC). The Acquirer must send the

EMV chip data in DE 55 (Integrated Circuit Card [ICC] System-Related Data) of the

Authorization Request/0100 or Financial Transaction Request/0200 message and in DE 55 of

the First Presentment/1240 message. A value of 2 or 6 must also be present in position 1 of the

three-digit service code in DE 35 (Track 2 Data) of the Authorization Request/0100 or Financial

Transaction/0200 message.

As used in this Rule, the following terms have the meanings described:

• “PIN-capable Hybrid POS Terminal” means a Hybrid POS Terminal that is capable at a

minimum of performing offline PIN verification when a PIN-preferring Chip Card is

presented. It may also be capable of online PIN verification and if attended, must support the

signature CVM option (signature collection is not required).

• “PIN-preferring Chip Card” means a Chip Card that has been personalized so that the offline

PIN CVM option appears in the Card’s CVM list with a higher priority than the signature

option, indicating that PIN CVM is preferred to signature CVM at any POS Terminal that

supports PIN.

A chip/PIN Transaction is a Chip Transaction that is processed at a PIN-capable Hybrid POS

Terminal with a PIN-preferring Chip Card and completed with offline or online PIN as the CVM.

The Cardholder may retain control of the Card while a chip/PIN Transaction is performed.

A non–face-to-face Chip Transaction processed using a Cardholder-controlled remote device is

permitted if the Acquirer has received an Application Authentication Cryptogram (AAC) and the

Issuer’s approval of the Merchant’s authorization request.

For information about counterfeit and lost/stolen/never-received-issue chip liability shifts, see

the Chargeback Guide.

NOTE: Modifications to this Rule appear in the "Asia/Pacific Region," “Europe Region” and “United

States Region” sections at the end of this chapter.

4.2 Offline Transactions Performed on Board Planes, Trains, and

Ships

A Customer may process a Chip Transaction that takes place at the offline-only Hybrid POS

Terminal of a Merchant with no fixed location (for example, aboard a plane, train or ship), if all

the following conditions are satisfied:

Card-Present Transactions

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1. The Hybrid POS Terminal has no online capability and does not perform fallback procedures

from chip to magnetic stripe.

2. The Hybrid POS Terminal prompted for PIN as the CVM and the EMV chip provided offline

verification of the PIN entered by the Cardholder (or CDCVM was successfully performed on

the device).

3. The Hybrid POS Terminal recommended Transaction approval. If the Hybrid POS Terminal

recommends against Transaction approval based on its own risk parameters, the

Transaction must not proceed.

4. If a Mastercard Card was presented, the Card declined the offline authorization request.

The Acquirer processes such declined Transactions at the risk of receiving authorization-

related chargebacks. If a Maestro Card was presented, the Merchant processed the

Transaction offline as a Merchant-approved Maestro POS Transaction.

5. The Merchant is identified with one of the following MCCs:

a. MCC 4111 (Transportation—Suburban and Local Commuter Passenger, including

Ferries)

b. MCC 4112 (Passenger Railways)

c. MCC 4411 (Cruise Lines)

d. MCCs 3000 through 3350 and 4511 (Air Carriers, Airlines)

e. MCC 5811 (Caterers)

NOTE: Duty-free purchases are not covered by this Rule.

6. If applicable, the Acquirer provides in the First Presentment/1240 message:

a. The value of F (Offline Chip) in DE 22 (Point of Service Entry Mode), subfield 7 (Card

Data Input Mode).

b. The Application Authentication Cryptogram (AAC) in DE 55.

NOTE: Modifications to this Rule appear in the “Europe Region” section at the end of this chapter.

4.3 No-CVM Magnetic Stripe and Contact Chip Maestro POS

Transactions—Europe Region Only

NOTE: A Rule on this subject appears in the “Europe Region” section at the end of this chapter.

Card-Present Transactions

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4.4 Contactless Transactions at POS Terminals

When a Contactless Transaction is conducted at a POS Terminal in an amount that does not

exceed the applicable Contactless Transaction CVM limit amount, as defined by Merchant

location in Appendix E:

• The Transaction must be completed without Cardholder verification (“No CVM” as the CVM);

and

• The provision of a Transaction receipt to the Cardholder is at the Merchant’s option. The

Merchant must provide a receipt at the Cardholder’s request.

As an exception to the above, a CVM must be obtained for any purchase with cash back or

quasi-cash Transaction completed by means of contactless payment functionality.

As an exception to the above, a contactless-only POS Terminal identified as a CAT 1, CAT 2, or

CAT 3 device and using MCC 8398 (Organizations, Charitable and Social Service) offering a

Transaction equal to or less than USD 15 (or local currency equivalent) may be deployed without

the capability to provide a Transaction receipt at the time the Transaction is conducted or at a

later date. The inability to provide a receipt must be clearly displayed on the CAT device prior to

the Transaction being completed.

There is no maximum Transaction amount for a Contactless Transaction conducted at a POS

Terminal.

For CVM requirements, see Rules 3.4, 3.5, and 3.7. For Contactless Transaction identification

requirements, see Appendix C.

NOTE: Modifications to this Rule appear in the “Europe Region” and “Latin America and the Caribbean

Region” sections at the end of this chapter. Refer to “CVC 3 Verification” in the “Latin America and the

Caribbean Region” section for a related Rule.

4.5 Contactless Transit Transactions

Mastercard Contactless transit Transactions are permitted only in connection with specific

MCCs and can be pre-funded, real-time authorized, or aggregated.

A Merchant offering Mastercard Contactless transit Transactions that utilizes Contactless-only

turnstile or at the point of entry acceptance for transportation are not obligated to accept a

tap with a non-reloadable prepaid Account provided that other means to make a purchase are

located in close proximity to the Contactless-only turnstile or point of entry acceptance device.

4.5.1 Mastercard Contactless Transit Aggregated Transactions

A Mastercard Contactless transit aggregated Transaction occurs when the transit Merchant's

Acquirer generates a First Presentment/1240 message combining one or more contactless taps

performed with one Mastercard Account at one transit Merchant. A "tap" means the

Cardholder's tap of the Card or Contactless Payment Device on the contactless reader of the

Card-Present Transactions

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POS Terminal with each ride taken. An Acquirer submitting an authorization request to start a

Contactless transit aggregated Transaction, either deferred or in real-time, must confirm the

Issuer’s authorization response was approved, in order to submit the First Presentment/1240

message to clear the aggregated transit fare. As an exception to the foregoing Standard, the

Acquirer may submit a First Presentment/1240 message to claim transit debt, up to a specified

limit in the country for deferred authorizations that were declined and unrecoverable, pursuant

to the transit First Ride Risk (FRR) framework. For more information about transit FRR claim

Transactions, refer to Rule 5.6.1.

In order for the transit Merchant to receive chargeback protection, all of the following must

occur:

1. The Merchant must send a properly identified Authorization Request/0100 message (which

can be for any amount).

2. The Issuer must approve the Transaction.

3. The combined amount of the taps must be equal to or less than the applicable Contactless

transit aggregated CVM limit amount as described in Appendix E.

4. The maximum time period from the first tap until the First Presentment/1240 message is

generated must be 14 calendar days or less.

Upon the Cardholder's request, the Merchant must provide a list of the taps (the date and fare

for each ride taken) that were combined into a First Presentment/1240 message.

Refer to Rule 4.5.1 in the United States Region section at the end of this chapter for the

contactless transit aggregated Transaction procedures applicable to all Transactions occurring

at U.S. Region transit Merchant locations, effective 15 August 2022.

For Mastercard Contactless transit aggregated Transaction identification requirements, see

Appendix C.

NOTE: Modifications to this Rule appear in the "Asia/Pacific Region," "Europe Region," and "United

States Region" sections at the end of this chapter.

4.5.2 Maestro Contactless Transit Aggregated Transactions

A Maestro Contactless transit aggregated Transaction occurs when the Acquirer generates a

Financial Transaction Request/0200 message for an estimated or maximum amount in

connection with the use of one Maestro Account at one transit Merchant. A Maestro

Contactless transit aggregated Transaction must be processed as follows:

1. The Merchant sends a Financial Transaction Request/0200 message with a value of 06 in

DE 48, subelement 64, subfield 1 (Transit Transaction Type Indicator) for an estimated or

maximum amount not to exceed the applicable Contactless transit aggregated Transaction

CVM limit amount.

2. The Issuer must approve the Transaction.

3. The Cardholder may make subsequent taps for additional rides; these taps will not be sent

to the Issuer for authorization. The combined amount of the taps must be equal to or less

than the applicable Contactless transit aggregated Transaction CVM limit amount as

described in Appendix E.

Card-Present Transactions

4.5.2 Maestro Contactless Transit Aggregated Transactions

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4. When the limit is reached or within three calendar days, the Merchant totals the value of all

taps and generates an Acquirer Reversal Advice/0420 to reverse any unused funds.

The Merchant must inform the Cardholder that the amount held from the available funds in the

Account may be greater than the cost of a single fare, and the Merchant must inform the

Cardholder of the amount of time that the Merchant requires to reverse all unused funds. This

information may be provided on the Merchant’s Website, included in call center scripts, and/or

displayed within the transit Merchant's system. The Merchant must also provide specific tap

information to the Cardholder upon request.

For Maestro Contactless transit aggregated Transaction identification requirements, refer to

Appendix C.

NOTE: Variations to this Rule appear in the "Europe Region," "Latin America and the Caribbean

Region," and "United States Region" sections at the end of this chapter.

4.6 Contactless Transactions at ATM Terminals

A Contactless Transaction conducted at an ATM Terminal must always use online PIN as the

CVM.

There is no maximum Transaction amount for a Contactless Transaction occurring at an ATM

Terminal.

4.7 Contactless-only Acceptance

When approved by Mastercard (either on a country-by-country or case-by-case basis), an

Acquirer may sponsor Merchants that deploy POS Terminals or MPOS Terminals that utilize only

contactless payment functionality. In such event, the Acquirer must ensure that, should any of

its Merchants approved by Mastercard to deploy POS Terminals or MPOS Terminals that utilize

only contactless payment functionality subsequently deploy POS Terminals or MPOS Terminals

with contact payment functionality, such POS Terminals and MPOS Terminals accept and

properly process Transactions.

Mastercard has approved the following for contactless-only acceptance:

1. Merchants that deploy unattended POS Terminals that are identified as Cardholder-

activated Terminals (CATs), including but not limited to vending machines, parking meters,

and fare collection devices.

2. Subject to Corporation approval on a case-by-case basis, Merchants operating mass events,

festivals, and sports arenas located in Hungary, Poland, Romania, and the United Kingdom

under the following MCCs:

a. MCC 7941—Athletic Fields, Commercial Sports, Professional Sports Clubs, Sports

Promoters

b. MCC 7929—Bands, Orchestras, and Miscellaneous Entertainers not elsewhere classified

Card-Present Transactions

4.6 Contactless Transactions at ATM Terminals

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c. MCC 5811—Caterers

d. MCC 7922—Theatrical Producers (except Motion Pictures), Ticket Agencies

e. MCC 7999—Recreational Services—not elsewhere classified

3. Merchants located in Hungary, Poland and Romania that use MCC 5994—News Dealers and

Newsstands.

4. Merchants located in Hungary that use MCC 5462—Bakeries or MCC 5441—Candy, Nut,

Confectionery Stores.

5. Merchants that use MCC 8398—Organizations, Charitable and Social Service.

Unattended POS Terminals that utilize only contactless payment functionality are not required

to provide a Transaction receipt at the time the Transaction is conducted; however, the

Merchant must have a means by which to provide a receipt to the Cardholder upon request. If

such means involves the storage, transmission, or processing of Card data, then it must comply

with the Payment Card Industry Data Security Standard (PCI DSS). The manner in which to

request a receipt must be clearly displayed at the Merchant location.

As an exception to the above, a contactless-only POS Terminal identified as a CAT 1, CAT 2, or

CAT 3 device and using MCC 8398 (Organizations, Charitable and Social Service) offering a

Transaction equal to or less than USD 15 (or local currency equivalent) may be deployed without

the capability to provide a Transaction receipt at the time the Transaction is conducted or at a

later date. The inability to provide a receipt must be clearly displayed on the CAT device prior to

the Transaction being completed.

For requirements related to the identification of Contactless-only Transactions occurring at an

unattended POS Terminal, see Appendix C. For CAT identification requirements, see Appendix D.

4.8 Mastercard Consumer-Presented QR Transactions at POS

Terminals

A Mastercard Consumer-Presented QR Transaction is effected through a Cardholder-presented

QR Code and by the Merchant capture of the QR Code containing the Transaction Data required

to initiate a Transaction. For each Mastercard Consumer-Presented QR Transaction:

• There is no maximum Transaction amount.

• The Transaction must be authorized online by the Issuer.

• The Acquirer must send a properly identified Authorization Request/0100 message or

Financial Transaction Request /0200 message.

• The Transaction must be completed with CDCVM. CDCVM is the only valid CVM for

Mastercard Consumer-Presented QR Transactions.

For more information about Mastercard Consumer-Presented QR Transactions, refer to the

Mastercard Cloud-Based Payments (MCBP) documentation and the M/Chip Requirements for

Contact and Contactless manual.

Card-Present Transactions

4.8 Mastercard Consumer-Presented QR Transactions at POS Terminals

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4.9 Purchase with Cash Back Transactions

Purchase with cash back is an optional service that a Merchant may offer, subject to applicable

law or regulation and with the prior approval of its Acquirer, at the Point of Interaction (POI) in a

Card-present, face-to-face Transaction environment only. The following requirements apply to

purchase with cash back Transactions:

1. A purchase with cash back Transaction is a Transaction arising from the use of a Debit

Mastercard (but not any other type of Mastercard) or Maestro Card or Access Device.

2. In a purchase with cash back Transaction, cash may only be provided in combination with a

purchase. An Issuer must not approve only the cash back portion of a Transaction containing

both a purchase amount and a cash back amount. The cash back service must not be

offered in combination with a Manual Cash Disbursement Transaction or the sale of a

quasi–cash instrument. Contactless CVM limits do not apply to purchase with cash back

Transactions, meaning that such Transactions always require a CVM.

3. In authorization and clearing messages, each purchase with cash back Transaction must

contain:

a. The value of 09 (purchase with cash back) in DE 3 (Processing Code), subfield 1

(Cardholder Transaction Type).

b. The total Transaction amount (inclusive of the purchase and cash back amounts) in DE 4

(Amount, Transaction).

c. The cash back amount in DE 54 (Amounts, Additional).

The purchase amount, cash back amount, and total Transaction amount must all be in the

same currency.

The following requirements apply to Acquirers and Merchants:

1. An education program must be established for the staff of any Merchant that chooses to

offer purchase with cash back Transactions, including but not limited to POS Terminal

operators.

2. An offer of purchase with cash back that is promoted at the POI must be available to all

Cardholders of each Card type for which the service is supported. The Merchant may

prompt the Cardholder to use this service.

3. Acquirers or Merchants may establish a minimum and/or maximum cash back amount for

the purchase with cash back Transaction, provided that:

a. Any minimum or maximum amount is applied uniformly to all Cardholders.

b. Any minimum amount is not greater than the minimum amount established for any

other payment means accepted at the Merchant location.

c. Any maximum amount is not less than the maximum amounts established for any other

payment means at the Merchant location.

d. For Debit Mastercard purchase with cash back Transactions, a maximum cash back

amount must be established that does not exceed USD 100 or the local currency

equivalent, or as applicable in the Merchant's country.

e. For Maestro signature-verified and cross-border purchase with cash back Transactions,

a maximum cash back amount must be established that does not exceed USD 100 or

Card-Present Transactions

4.9 Purchase with Cash Back Transactions

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the local currency equivalent. Maestro signature-verified purchase with cash back

Transactions may be conducted in signature waiver countries only.

4. The Acquirer must obtain online authorization approval for the full Transaction amount;

support for authorization of the purchase amount only is optional.

The following requirements apply to Issuers:

1. An Issuer must properly personalize each Debit Mastercard and Maestro Card and Access

Device (including prepaid issuance) to support the purchase with cash back Transaction

type. Support is required for both Domestic and Cross-border Transactions, and on both the

contact and contactless interfaces of a Dual Interface Card.

2. The Issuer's authorization host must support the purchase with cash back Transaction data

fields and values.

3. The Issuer must make an individual authorization decision for each purchase with cash back

Transaction. An Issuer that chooses not to offer the cash back service to particular

Cardholders must be capable of providing a value of 87 (Purchase Amount Only, No Cash

Back Allowed) in DE 39 (Response Code) of the authorization request response message for

an Account in good standing and having a sufficient balance, if the POS Terminal indicates

support for purchase-amount-only approvals.

NOTE: Variations to this Rule appear in the "Asia/Pacific Region," "Canada Region," "Europe Region,"

"Latin America and the Caribbean Region," "Middle East/Africa Region," and "United States Region"

sections at the end of this chapter.

4.10 Transactions at Unattended POS Terminals

A POS Transaction occurring at an unattended POS Terminal is a non-face-to-face Transaction,

since no Merchant representative is present at the time of the Transaction. Examples of

unattended POS Terminals include ticket dispensing machines, vending machines, automated

fuel dispensers, toll booths, and parking meters.

A Mastercard POS Transaction that occurs at an unattended POS Terminal must be identified

as a Cardholder-Activated Terminal (CAT) Transaction, as described in Appendix D.

Transaction messages used at unattended POS Terminals must communicate to the

Cardholder, at a minimum, the following:

• Invalid Transaction

• Unable to Route

• Invalid PIN—re-enter (if PIN entry is supported)

• Capture Card (if Card retention is supported)

NOTE: Modifications to this Rule appear in the “Europe Region” section at the end of this chapter.

Card-Present Transactions

4.10 Transactions at Unattended POS Terminals

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4.10.1 Automated Fuel Dispenser Transactions

An automated fuel dispenser Transaction is identified with MCC 5542 (Automated Fuel

Dispenser) and a CAT level indicator of CAT 1 or CAT 2 (for Card-present Transactions), CAT 6

(for e-commerce Transactions), or CAT 7 (for transponder Transactions), as described in

Appendix D.

NOTE: Modifications to this Rule appear in the "Asia/Pacific Region" (pertaining to Malaysia), "Europe

Region," and "United States Region" sections at the end of this chapter.

Authorization Before Fueling

Each automated fuel dispenser Transaction for which authorization is requested prior to the

dispensing of fuel is properly processed as follows:

1. The Acquirer’s initial authorization request (0100 or 0200) message (dual message

Authorization Request/0100 or single message Financial Transaction Request/0200) to the

Issuer must be identified as a preauthorization and reflect one of the following:

a. A maximum fuel dispense amount as determined by the Merchant or Acquirer;

b. A specific amount selected by the Cardholder; or

c. In the U.S. Region only, the amount of USD 1.

2. If the preauthorization request contains the partial approval support indicator, and the

Issuer provides a partial approval response, then the final Transaction amount must not

exceed the partial approval amount provided in DE 6 (Amount, Cardholder Billing), unless

the preauthorization request amount was USD 1.

3. After the fuel is dispensed, the Acquirer must send an advice message (dual message

Authorization Advice/0120 or single message Acquirer Reversal Advice/0420) containing the

final Transaction amount (in DE 4 [Amount, Transaction] of the 0120 message or in DE 95

[Replacement Amounts] of the 0420 message) to the Issuer. The advice message must be

sent no later than 60 minutes (in the Europe Region, 20 minutes) after the original

preauthorization request.

4. If fuel is not dispensed or the Cardholder otherwise cancels the Transaction then within 60

minutes of authorization approval (in the Europe Region, 20 minutes), the Acquirer must

send either an advice message (Authorization Advice/0120 with a value of zero in DE 4 or

Acquirer Reversal Advice/0420 with a value of zero in DE 95) or a full reversal (dual message

Reversal Request/0400 with a value of zero in DE 95).

5. Within 60 minutes of receiving the advice message, the Issuer must release any hold that

the Issuer placed on the Cardholder's available funds or credit in excess of the Transaction

amount specified in DE 4 (Amount, Transaction).

If the Issuer displays pending automated fuel dispenser Transaction information in

Cardholder-facing applications, the information must be based on the advice message

Transaction amount.

6. The Acquirer must send a First Presentment/1240 or Financial Transaction Advice/0220

message with the final Transaction amount in DE 4 (Amount, Transaction).

As a best practice, the Merchant should inform the Cardholder in advance of any estimated

amount for which authorization will be requested (for example, on a screen display or sticker at

Card-Present Transactions

4.10.1 Automated Fuel Dispenser Transactions

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the Terminal) and obtain the Cardholder’s consent to the amount before initiating the

authorization request.

NOTE: A modification to the foregoing paragraph applies in the EEA and appears in the "Europe

Region" section at the end of this chapter.

Authorization After Fueling

A Merchant that instead chooses to initiate the Transaction authorization request after the fuel

is dispensed does so at the risk of a possible decline or partial approval. Such authorizations are

properly identified as final authorizations.

Refer to the Authorization Manual or Customer Interface Specification for more information

about advice message requirements for automated fuel dispenser Transactions.

4.10.2 Electric Vehicle Charging Transactions

A Transaction occurring at an unattended POS Terminal for the purchase of electric vehicle

charging services is identified with MCC 5552 (Electric Vehicle Charging) and a CAT level

indicator of CAT 1 or CAT 2 (for Card-present Transactions) or CAT 6 (for e-commerce

Transactions) as described in Appendix D. Alternatively, if the primary business of the Merchant

is temporary parking services, then MCC 7523 (Automobile Parking Lots and Garages) may be

used.

Contactless-only acceptance is permitted (refer to Rules 4.7 and 7.3.2). A contactless-only

Terminal supporting a maximum vehicle charging amount that does not exceed the applicable

contactless CVM limit is properly identified as CAT 2. The Transaction may be authorized either

prior to or after the vehicle charging, as follows.

Authorization Before Charging

Each electric vehicle charging Transaction for which authorization is requested before vehicle

charging begins is properly processed as follows:

1. The Merchant must inform the Cardholder of any estimated amount for which

authorization will be requested (for example, on a screen display or sticker at the Terminal)

and must obtain the Cardholder’s consent to the amount before initiating the authorization

request. The estimated amount may be the Terminal’s maximum dispense amount or a

specific amount requested by the Cardholder.

2. The Acquirer’s initial authorization request (0100 or 0200) message to the Issuer must be

identified as a preauthorization. If the preauthorization request contains the partial

approval support indicator, and the Issuer provides a partial approval response, then the

final Transaction amount must not exceed the partial approval amount provided in DE 6

(Amount, Cardholder Billing).

3. If the Transaction is finalized for an amount that:

a. Exceeds the authorized amount, then the Acquirer must send an additional

(incremental) authorization request for the unauthorized amount (refer to section 2.9);

Card-Present Transactions

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b. Is less than the authorized amount, then within 24 hours of finalization, the Acquirer

must either send a partial reversal for the excess authorized amount, or submit the

Transaction clearing record.

4. In the case of a Transaction cancelled by the Cardholder, then within 24 hours, the Acquirer

must send a full reversal request.

Authorization After Charging

If the Merchant initiates authorization after the vehicle charging is completed, then the

Acquirer’s authorization request must be identified as a final authorization.

4.11 PIN-based Debit Transactions—United States Region Only

NOTE: A Rule on this subject appears in the “United States Region” section at the end of this chapter.

4.12 PIN-less Single Message Transactions—United States Region

Only

NOTE: A Rule on this subject appears in the “United States Region” section at the end of this chapter.

4.13 Merchant-approved Maestro POS Transactions

This Rule applies to all Merchant-approved Maestro POS Transactions whether processed via

the Mastercard

Single Message System or the Mastercard

Dual Message System. Refer to

Chapter 3 of the M/Chip Requirements for Contact and Contactless for more detailed

information on processing Merchant-approved Maestro POS Transactions that are Chip

Transactions.

An Acquirer may elect to accept Merchant-approved Maestro POS Transactions from a

Merchant that accepts Maestro Cards. A Merchant-approved Maestro POS Transaction may

occur only when the POS Terminal cannot receive an online authorization for a Transaction

because of technical difficulties between the Acquirer and the Interchange System or the

Interchange System and the Issuer, or other temporary technical problems. Each Acquirer must

forward all stored Transactions by means of electronic store-and-forward as soon as the

technical problem has been resolved.

The Issuer must treat all Merchant-approved Maestro POS Transactions received by means of

the Mastercard

Single Message System as financial request messages. If the Issuer is

unavailable to authorize or decline a Merchant-approved Maestro POS Transaction at the time

of presentment, the Interchange System indicates this, and returns the Transaction to the

Acquirer. These returned Transactions may be submitted by the Acquirer to the Interchange

System every 30 minutes, until a response is received from, or on behalf of the Issuer.

Card-Present Transactions

4.11 PIN-based Debit Transactions—United States Region Only

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Merchant-approved Maestro POS Transactions settle only upon authorization by the Issuer. The

Acquirer bears all responsibility for a Merchant-approved Maestro POS Transaction that is

declined by the Issuer.

If a Merchant-approved POS Transaction is declined by the Issuer for insufficient funds, or

because the Transaction exceeds withdrawal limits, the Acquirer may resubmit the Transaction

once every 24 hours for a period ending 13 calendar days after the Transaction date. If the

Issuer accepts the Transaction on submission or resubmission, the Issuer’s liability is the same as

for an online Transaction.

An Issuer is not required to assist an Acquirer in any attempt to collect on a systemically rejected

Merchant-approved POS Transaction. The Issuer must make reasonable efforts to collect the

Transaction amount, but in doing so, assumes no liability.

NOTE: A variation to this rule appears in the “Europe Region” section at the end of this chapter.

4.14 Mastercard Manual Cash Disbursement Transactions

A cash disbursement may be provided to a Mastercard Cardholder by a Customer at its offices

and through its authorized agents. For purposes of this Rule, an authorized agent is a financial

institution authorized to provide cash disbursement services on behalf of a Customer pursuant

to written agreement with the Customer.

The Customer and each of its authorized cash disbursement agents must comply with the

requirements set forth in “Mastercard Manual Cash Disbursement Acceptance Procedures” in

Chapter 3.

A cash disbursement to a Maestro or Cirrus Cardholder is performed at a Bank Branch Terminal.

Refer to Chapter 7 for Bank Branch Terminal requirements.

NOTE: An addition to this Rule appears in the “United States Region” section at the end of this

chapter.

4.14.1 Non-discrimination Regarding Cash Disbursement Services

Each Customer and each of its authorized cash disbursement agents must comply with the

following requirements at each office at which any cash disbursement services are afforded:

1. Not discriminate against or discourage the use of Cards in favor of any card or device

bearing or otherwise issued or used in connection with another acceptance brand; and

2. Provide cash disbursement services to all Cardholders on the same terms and regardless of

the Issuer.

4.14.2 Maximum Cash Disbursement Amounts

A Customer and each of its authorized cash disbursement agents may limit the amount of cash

provided to any one Cardholder in one day at any individual office. Such limit may not be less

than USD 5,000 per Cardholder in one day and uniformly must be applied to all Cardholders.

Card-Present Transactions

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If compliance with this Rule would cause hardship to one or more (but not all) of such individual

offices that are required or permitted to provide cash disbursement services, the Customer may

establish a maximum cash disbursement amount of less than USD 5,000 per person in one day

at each such office, provided that the maximum cash disbursement amount:

1. Is not less than USD 1,000;

2. Is not less than the maximum cash disbursement amount established for any other

acceptance brand at the office; and

3. Applies only at those offices where the Customer can, if requested by Mastercard,

demonstrate that a higher maximum would create a hardship.

NOTE: Variations to this Rule appear in the “Europe Region” and “United States Region” sections at

the end of this chapter.

4.14.3 Discount or Service Charges

The Customer and each of its authorized cash disbursement agents must disburse all cash

disbursements at par without any discount and without any service or other charge to the

Cardholder, except as may be imposed to comply with applicable law. Any charge imposed to

comply with applicable law must be charged to and paid by the Cardholder separately and must

not be included in the total amount of the cash disbursement.

NOTE: A modification to this Rule appears in the “United States Region” section at the end of this

chapter.

4.14.4 Mastercard Acceptance Mark Must Be Displayed

A Customer and each of its authorized cash disbursement agents must display the Mastercard

Acceptance Mark as required by the Standards at each location where the Customer or any

such agent provides cash disbursements to Mastercard Cardholders.

4.15 Encashment of Mastercard Travelers Cheques

Each Mastercard Customer must encash Mastercard

Travelers Cheques issued in any currency

when presented for payment at any of its locations, provided:

1. Such encashment is permitted by law; and

2. The Customer has the ability (including a foreign exchange capability, with respect to a

currency other than U.S. currency Mastercard Travelers Cheques presented for encashment)

to encash such cheques as a result of the business it normally conducts at a location. If the

encashing Customer encashes any other brand of travelers cheques at a location, the

Customer may impose terms and conditions for the encashment of Mastercard Travelers

Cheques that it uses to encash other brands of travelers cheques.

Card-Present Transactions

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4.16 ATM Transactions

The following Rules relate to ATM Transaction processing.

4.16.1 “Chained” Transactions

An Acquirer that deploys ATM Terminals that do not retain the Card internally until all

Transactions requested by the Cardholder are completed must require the Cardholder to re-

enter the PIN for every additional financial Transaction performed. This requirement applies to

card swipe readers, card dip readers, and similar devices where a card is not held within the

device, and is removed prior to Transaction completion.

4.16.2 ATM Transaction Branding

If a Customer that does not have a Mastercard License acquires an ATM transaction initiated by

a Mastercard Card that does not display the Maestro and/or Cirrus Marks and sends it through

the Mastercard

ATM Network, that transaction is deemed to be an ATM Transaction and all

Rules regarding ATM Transactions will apply.

4.17 ATM Access Fees

An ATM Access Fee may be charged by an Acquirer only in connection with a cash withdrawal

Transaction or a Shared Deposit Transaction that is initiated at the Acquirer’s ATM Terminal

with a Card. The ATM Access Fee is added to the amount of the Transaction transmitted to the

Issuer.

For purposes of this Rule, a Transaction is any Transaction routed through the Mastercard

ATM

Network. Nothing contained in this Rule affects the right of an Issuer to determine what fees, if

any, to charge its Cardholders.

4.17.1 ATM Access Fees - Domestic Transactions

A Cardholder may not be assessed or be required to pay an ATM Access Fee or other fee types

imposed, or advised of, at an ATM, in connection with a Domestic Transaction.

NOTE: Variations to this Rule appear in the "Asia/Pacific Region" (pertaining to Australia), "Canada

Region," "Europe Region," "Latin America and the Caribbean Region," and "United States Region"

sections at the end of this chapter.

Card-Present Transactions

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4.17.2 ATM Access Fees - Cross-border Transactions

Unless prohibited by local law or regulations, an Acquirer, upon complying with the ATM Access

Fee notification requirements, may assess an ATM Access Fee on a Cross-border Transaction, so

long as the Acquirer applies the ATM Access Fee in a consistent and nondiscriminatory manner.

4.17.3 ATM Access Fee Requirements

An Acquirer that applies or plans to apply an ATM Access Fee to Domestic Transactions, Cross-

border Transactions, or both must comply with all of the following requirements.

Transaction Field Specifications for ATM Access Fees

At the time of each Transaction on which an ATM Access Fee is imposed, the Acquirer of such

Transaction must transmit, in the field specified by the applicable technical specifications

manual then in effect, the amount of the ATM Access Fee separately from the amount of the

cash disbursed in connection with such Transaction.

Non-discrimination Regarding ATM Access Fees

An Acquirer must not charge an ATM Access Fee in connection with a Transaction that is greater

than the amount of any ATM Access Fee charged by that Acquirer in connection with the

transactions of any other network accepted at that ATM Terminal.

Notification of ATM Access Fee

An Acquirer that wishes to charge an ATM Access Fee must notify its Sponsoring Principal, in

writing, of its intent to do so prior to the planned first imposition of such ATM Access Fee by the

Acquirer.

The Principal must update the Location Administration Tool (LAT) regarding its or its Affiliates’

imposition of ATM Access Fees.

Cancellation of Transaction

Any Acquirer that plans to charge an ATM Access Fee must notify the Cardholder with a screen

display that states the ATM Access Fee policy and provides the Cardholder with an option to

cancel the requested Transaction.

Sponsor Approval of Proposed Signage, Screen Display, and Receipt

An Affiliate that plans to charge an ATM Access Fee to a Transaction must submit proposed

ATM Terminal signage, screen display, and receipt “copy” that meets the requirements of the

Rules to its Sponsor in writing for approval prior to use, unless such Acquirer employs the model

form provided in Appendix F.

The Sponsor has the right to determine the acceptability of any new or changes to previously

approved signage, screen display, and receipt copy. In cases of conflict between the Acquirer and

its Sponsor, Mastercard has the sole right to determine the acceptability of any and all signage,

screen display, and receipt copy.

Card-Present Transactions

4.17.2 ATM Access Fees - Cross-border Transactions

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ATM Terminal Signage

An Acquirer that plans to charge an ATM Access Fee may optionally display signage that is

clearly visible to Cardholders on or near all Terminals at which ATM Access Fees apply.

The minimum requirement for ATM Access Fee signage text is wording that clearly states:

1. The identity of the ATM owner and of the Principal;

2. That the Transaction will be subject to an ATM Access Fee that will be deducted from the

Cardholder's Account in addition to any Issuer fees;

3. The amount of, calculation method of, or Corporation-approved generic signage regarding

the ATM Access Fee;

4. That the ATM Access Fee is assessed by the Acquirer instead of the Issuer;

5. That the ATM Access Fee is assessed on Cross-border Transactions only or Domestic

Transactions only, if applicable.

The minimum requirements for ATM Terminal signage (physical characteristics) are as follows:

1. The signage must bear the heading "Fee Notice";

2. The size of the signage must be a minimum of four inches in height by four inches in width;

3. The text must be clearly visible to all; a minimum of 14-point type is recommended;

4. The heading must be clearly visible to all; a minimum of 18-point type is recommended.

Refer to Appendix F for a model of ATM Terminal signage relating to ATM Access Fee

application.

ATM Terminal Screen Display

An Acquirer that plans to charge an ATM Access Fee must present a screen display message

that is clearly visible to Cardholders on all ATM Terminals at which ATM Access Fees apply. If the

Cardholder is given the option of choosing a preferred language in which to conduct the

Transaction, the screen display message concerning ATM Access Fees must be presented to the

Cardholder in that chosen language.

If an Acquirer displays the Mastercard-approved generic ATM Access Fee signage, the Acquirer

must include the amount or calculation method of the ATM Access Fee as part of the ATM

Terminal screen display.

Refer to Appendix F for a model of an ATM Terminal screen display relating to ATM Access Fee

application.

ATM Transaction Receipts

Any Acquirer that charges an ATM Access Fee must make available to the Cardholder on the

Transaction receipt the ATM Access Fee information required by this Rule, in addition to any

other information the Acquirer elects to or is required to provide.

The minimum requirements for the Transaction receipt are:

1. A statement of the amount disbursed to the Cardholder;

Card-Present Transactions

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2. A statement of the ATM Access Fee amount with language clearly indicating it is a fee

imposed by the Acquirer;

3. A separate statement of the combined amount of the ATM Access Fee and the disbursed

amount, with language clearly indicating that this amount will be deducted from the

Cardholder’s Account.

Refer to Appendix F for a model of ATM Transaction receipt text relating to ATM Access Fee

application.

4.18 Merchandise Transactions at ATM Terminals

An ATM Terminal may dispense any merchandise, service, or other thing of value within a

Mastercard-approved merchandise category, other than any merchandise, service, or other thing

of value which:

1. Is illegal or would tend to offend the public morality or sensibility, disparage Mastercard, or

otherwise compromise the good will or name of Mastercard;

2. Mastercard has notified Acquirers must not be dispensed by an ATM Terminal; or

3. Could be used to obtain products or services at a location other than an ATM Terminal

which, if dispensed at an ATM Terminal, would be prohibited pursuant to this Rule.

Promptly upon written direction from Mastercard, an Acquirer must cease dispensing at all its

ATM Terminals any merchandise, service, or other thing of value which Mastercard has directed

is not permitted.

4.18.1 Approved Merchandise Categories

Approved merchandise categories are as follows.

Merchandise Category

Explanation

Event Tickets Admission tickets to scheduled events that upon

presentation of such tickets will admit the bearer to such

scheduled events in lieu of other forms of admission tickets.

Transportation Tickets and Passes Tickets or passes to board and ride scheduled

transportation conveyances in lieu of other forms of

transportation tickets.

Telecommunications Cards and Services Prepaid telephone cards that entitle the holder to a

specified amount of prepaid time or prepaid wireless

telephone time that is credited to a subscriber’s prepaid

telephone account.

Card-Present Transactions

4.18 Merchandise Transactions at ATM Terminals

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Merchandise Category Explanation

Retail Mall Gift Certificates Gift certificates to be sold at ATM Terminals located in

retail shopping malls and redeemable for merchandise at

stores located in the mall where dispensed. Customers

must receive prior written approval from the Corporation

for each specific mall implementation.

Charitable Donation Vouchers Pre-valued donation vouchers that are dispensed as

receipts for donations resulting from an authorized

Transaction at a participating ATM. Customers must

receive prior written approval from the Corporation for

each specific charitable entity.

NOTE: An addition to this Rule appears in the “Europe Region” and the “United States Region”

sections at the end of this chapter.

4.18.2 Screen Display Requirement for Merchandise Categories

The Acquirer must disclose to the Cardholder via the video monitor screen prior to the initiation

of any Merchandise Transaction the following:

1. Full identification of the price and quantity of the Merchandise;

2. Any additional shipping or handling charges (for mailed purchases only);

3. Policy on refunds or returns; and

4. Provision for recourse concerning Cardholder complaints or questions.

4.19 Shared Deposits—United States Region Only

NOTE: Rules on this subject appear in the “United States Region” section at the end of this chapter.

Card-Present Transactions

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Variations and Additions by Region

The remainder of this chapter provides modifications to the Standards set out in this chapter.

The modifications are organized by region or country and by applicable subject title.

Asia/Pacific Region

The following modifications to the Rules apply in the Asia/Pacific Region or in a particular

Region country or countries. Refer to Appendix A for the Asia/Pacific Region geographic listing.

4.1 Chip Transactions at Hybrid Terminals

For China Domestic Transactions, the Rule on this subject is modified as follows.

A Chip Transaction must occur at a Hybrid Terminal and be authorized by the Issuer or the chip,

resulting in the generation of a unique Transaction Certificate (TC). The Acquirer must send the

PBoC chip data for each Chip Transaction in DE 55 (Integrated Circuit Card [ICC] System-

Related Data) of the Preauthorization Request/0100 or Financial Transaction Request/0200

message. For each Chip Transaction, a value of 2 or 6 must also be present in position 1 of the

three-digit service code in DE 35 (Track 2 Data) of the Preauthorization Request/0100 or

Financial Transaction Request/0200 message.

4.5 Contactless Transit Transactions

4.5.1 Mastercard Contactless Transit Aggregated Transactions

Effective 3 April 2024 for India Domestic Transactions, the Rule on this subject is modified as

follows.

In order for the transit Merchant to receive chargeback protection, all of the following must

occur:

1. The Merchant must send a properly identified Authorization Request/0100 message (which

can be for any amount).

2. The Issuer must approve the Transaction.

3. The combined amount of the taps must be equal to or less than the applicable Contactless

transit aggregated CVM limit amount as described in Appendix E.

4. The maximum time period from the first tap until the First Presentment/1240 message is

generated must be four calendar days or less.

4.9 Purchase with Cash Back Transactions

In the Asia/Pacific Region, the Rule on this subject is modified as follows:

Asia/Pacific Region Issuers are not required to support the purchase with cash back Transaction

type.

Card-Present Transactions

Variations and Additions by Region

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In Australia, the Rule on this subject is modified as follows:

For a Debit Mastercard purchase with cash back Transaction, a maximum cash back amount

must be established that does not exceed AUD 500.

In India, the Rule on this subject is modified as follows:

A Merchant located in India that has received prior approval from its Acquirer may offer a

purchase with cash back Transaction with or without an accompanying purchase to a

Cardholder presenting a Debit Mastercard or Maestro Card issued in India.

The maximum daily cash back amount per Card must be in accordance with applicable law

including circulars published by the Reserve Bank of India.

4.10 Transactions at Unattended POS Terminals

4.10.1 Automated Fuel Dispenser Transactions

In Malaysia, the following Rule applies:

A Malaysia Acquirer must present Mastercard automated fuel dispenser Transactions (MCC

5542) to Malaysia Issuers within two business days of the Transaction date.

Within one business day of the presentment date of an automated fuel dispenser Transaction

(MCC 5542), a Malaysia Issuer must post the Transaction to the Cardholder’s Account and

release any hold amount exceeding the Transaction amount from the Cardholder’s Account.

4.17 ATM Access Fees

4.17.1 ATM Access Fees—Domestic Transactions

The Rule on this subject, as it applies to Domestic Transactions occurring in Australia, is replaced

with the following:

Subject to complying with the ATM Access Fee notification requirements, an Acquirer in

Australia may assess an ATM Access Fee on a Debit Mastercard, Maestro, or Cirrus Transaction

initiated with a Card that was issued in Australia provided the Acquirer applies the ATM Access

Fee in a consistent and nondiscriminatory manner.

For the purpose of this Rule, “ATM Access Fee” means a fee charged by an Acquirer in Australia

in connection with a financial or non-financial transaction initiated at that Acquirer’s ATM

Terminal with a Card issued in Australia, which fee is added to the amount of the Transaction

transmitted to the Issuer.

Card-Present Transactions

4.10 Transactions at Unattended POS Terminals

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Canada Region

The following modifications to the Rules apply in the Canada Region. Refer to Appendix A for

the Canada Region geographic listing.

4.9 Purchase with Cash Back Transactions

In the Canada Region, the Rule on this subject is modified as follows.

An Issuer must technically support and properly personalize each Debit Mastercard and prepaid

Mastercard Card and Access Device to support the purchase with cash back Transaction type.

Support is required for both Domestic and Cross-border Transactions, and on both the contact

and contactless interfaces of a Dual Interface Card.

An Acquirer must technically support the purchase with cash back Transaction for Debit

Mastercard and prepaid Mastercard Cards.

A Merchant located in the Canada Region may, at its option, support purchase with cash back

Transactions as set forth in this chapter, with the following variations:

1. The Merchant may offer purchase with cash back to Debit Mastercard and prepaid

Mastercard Cardholders.

2. Purchase with cash back is available only for chip/PIN Transactions.

3. The maximum cash back amount of the purchase with cash back Transaction is CAD 100.

Acquirers or Merchants may establish a lower maximum cash back amount, provided that:

a. Any such maximum amount is applied uniformly; and

b. Any maximum amount is not lower than the maximum amount established for any

other payment means on which purchase with cash back is offered at the Merchant

location.

4.10 Transactions at Unattended POS Terminals

4.10.1 Automated Fuel Dispenser Transactions

In the Canada Region, if an Issuer approves an online authorization request for an automated

fuel dispenser (MCC 5542) Transaction, then within 60 minutes of the time that the

authorization request message is sent, the Acquirer must send an authorization advice message

advising the Issuer of the Transaction amount.

If, after approving the authorization request, the Issuer places a hold on Cardholder funds in

excess of CAD 1, then, within 60 minutes of receiving the Acquirer’s authorization advice

message, the Issuer must release any hold amount that exceeds the Transaction amount.

4.17 ATM Access Fees

4.17.1 ATM Access Fees—Domestic Transactions

In the Canada Region, the Rule on this subject is replaced with the following:

Card-Present Transactions

Canada Region

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Subject to complying with the ATM Access Fee notification requirements of the Rules, an

Acquirer in the Canada Region may assess an ATM Access Fee on a Transaction initiated with a

Card that was issued in the Canada Region provided the Acquirer applies the ATM Access Fee in

a consistent and nondiscriminatory manner.

Europe Region

The following modifications to the Rules apply in the Europe Region or in a particular Region

country or countries. Refer to Appendix A for the Europe Region, Non-Single European Payments

Area (Non-SEPA) and Single European Payments Area (SEPA) geographic listing.

4.1 Chip Transactions at Hybrid Terminals

In the EEA, UK and Gibraltar, the Rule on this subject is modified as follows.

EMV chip data must be provided in the field specified by the registered switch of the

Customer's choice for authorization and clearing messages.

4.2 Offline Transactions Performed on Board Planes, Trains, and Ships

In the EEA, UK and Gibraltar, the Rule on this subject is modified as follows.

Decline of the authorization by the EMV chip must be indicated in the field and with the value

specified by the registered switch of the Customer's choice.

4.3 No-CVM Magnetic Stripe and Contact Chip Maestro POS Transactions

In the Europe Region, magnetic stripe and Contact Chip Maestro POS Transactions may be

completed without CVM in the acceptance environments listed in this Rule, up to the maximum

Transaction amount set out below.

Acceptance Environment

Maximum Transaction Amount

Tollways (MCC 4784) EUR 100 (or local currency equivalent)

Parking Lots and Garages (MCC 7523) EUR 50 (or local currency equivalent)

Transit Vending Machines (MCCs 4111, 4112 and

4131)

EUR 25 (or local currency equivalent)

Maestro Contactless Transactions may also be completed in these environments in accordance

with the Standards applicable to Maestro Contactless Transactions.

The following Rules apply to Magnetic Stripe and Contact Chip Maestro POS Transactions:

1. The Merchant must obtain authorization online from the Issuer or offline from the chip.

Magnetic stripe Transactions may also be authorized according to the Merchant-approved

Transaction Rules, at POS Terminals that are not located in the EEA, UK or Gibraltar. At POS

Card-Present Transactions

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Terminals located in the EEA, UK and Gibraltar, magnetic stripe Transactions must not be

completed.

2. The Acquirer bears the liability for fraud on magnetic stripe and Contact Chip Maestro POS

Transactions completed without CVM.

3. The Transactions must be identified with one of the above-listed MCCs.

4. Transactions at vending machines and transit vending machines must be identified as

unattended Transactions.

5. A POS Terminal at which no-CVM Maestro POS Transactions are performed may have a PIN

pad.

6. An Issuer of Chip Cards must be able to authorize no-CVM Maestro POS Transactions even

when the chip data in the authorization message indicates “Cardholder verification was not

successful.”

7. In the tollways environment, the Merchant may at its option maintain a negative file in the

POS Terminal, provided this is done in a PCI-compliant manner.

8. An Issuer in the Netherlands is not required to technically support no-CVM Maestro POS

Transactions at transit vending machines. Transit vending machines that support no-CVM

Maestro POS Transactions must not be deployed in the Netherlands.

4.4 Contactless Transactions at POS Terminals

In the Europe Region, the Rule on this subject is modified as follows.

Merchants that operate tollways (MCC 4784) and parking lots and garages (MCC 7523) may

configure their POS Terminals to perform Maestro Contactless Transactions that exceed the

applicable CVM limit without a CVM.

An Issuer must not systematically decline such Maestro Contactless Transactions when

completed without a CVM.

The Acquirer is liable for a fraudulent Maestro Contactless Transaction that exceeds the CVM

Limit and is completed without a CVM.

If a Maestro Card that also bears a domestic debit brand mark is used in a Contactless

Transaction and the domestic debit brand does not support contactless payment functionality,

the Transaction must be identified in all Transaction messages as a Maestro Contactless

Transaction and all Rules regarding such Transactions apply to the Transaction. If processed by

means of the Interchange System, the Maestro Contactless Transaction is identified by the

following values, which indicate that an EMV Mode Contactless Transaction has occurred:

1. In authorization:

a. DE 22 (POS entry mode), subfield 1 (POS Terminal PAN Entry Mode) must contain the

value of 7, and

b. DE 61 (POS Data), subfield 11 (POS Card Data Terminal Input Capability) must contain

the value of 3.

2. In clearing:

a. DE 22 (POS entry mode), subfield 1 (Terminal Data: Card Data Input Capability) must

contain the value of M, and

Card-Present Transactions

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b. DE 22 (POS data), subfield 7 (Card Data: Input Mode) must contain the value of M.

If the Transaction is processed via a means other than the Interchange System (including

bilateral and on-us processing), the Acquirer must ensure that corresponding data elements

contain values that enable Issuers to clearly identify the transaction as a Maestro Contactless

Transaction.

4.5 Contactless Transit Aggregated Transactions

4.5.1 Mastercard Contactless Transit Aggregated Transactions

In the EEA, UK or Gibraltar, the Rule on this subject is modified as follows.

A clearing message must be identified as specified by the registered switch of the Customer's

choice.

4.5.2 Maestro Contactless Transit Aggregated Transactions

In the Europe Region, the Rule on this subject is replaced with the following.

A Maestro Contactless transit aggregated Transaction occurs when the Acquirer generates an

Authorization Request/0100 message for an estimated amount in connection with the use of

one Maestro Account at one transit Merchant. Maestro Contactless transit aggregated

Transactions must be processed as follows.

1. The Merchant sends an Authorization Request/0100 message with a value of 06 in DE 48,

subelement 64, subfield 1 (Transit Transaction Type Indicator) for an estimated amount not

to exceed the applicable Contactless transit Transaction CVM limit amount.

2. The Merchant must obtain Issuer approval of the Transaction.

3. The Cardholder may make subsequent taps for additional rides; these taps will not be sent

to the Issuer for authorization. The combined amount of the taps must be equal to or less

than the Contactless transit aggregated Transaction CVM limit amount as described in

Appendix E.

4. When the limit is reached or within three calendar days, the Merchant totals the value of all

taps and generates a Reversal Request/0400 or Authorization Advice/0120 message to

reverse any unused funds.

The Merchant must inform the Cardholder that the amount held from the available funds in the

Account may be greater than the cost of a single fare, and the Merchant must inform the

Cardholder of the amount of time that the Merchant takes to reverse all unused funds. This

information may be provided on the Merchant's Website, included in call center scripts, and/or

displayed within the transit Merchant's system. The Merchant must also provide specific tap

information to the Cardholder upon request.

For Contactless transit aggregated Transaction identification requirements, refer to Appendix

In the EEA, UK or Gibraltar, the Rule on this subject is modified as follows.

Maestro Contactless transit aggregated Transactions must be identified as specified by the

registered switch of the Customer's choice.

Card-Present Transactions

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Authorization, reversal and advice messages must be identified as specified by the registered

switch of the Customer's choice.

4.9 Purchase with Cash Back Transactions

In the Europe Region, the following additional Rules apply to all types of Mastercard and

Maestro Transactions, unless otherwise specified.

Acquirer and Merchant Requirements

A Merchant must offer purchase with cash back Transactions on all Europe Region-issued Debit

Mastercard and Maestro Cards if the Merchant offers this transaction type on any other debit

brand.

A Merchant located in the United Kingdom is permitted to offer a cash back Transaction

without an accompanying purchase, upon presentation of a Debit Mastercard Card. All other

Standards applicable to purchase with cash back Transactions must be respected. The

maximum cash back amount is GBP 100.

An Acquirer in Montenegro, Romania, or Serbia must technically support purchase with cash

back Transactions in its host system and on the attended POS Terminals of its Merchants.

An Acquirer in Armenia, Belarus, Georgia, Kazakhstan, Kyrgyzstan, Russia, Tajikistan,

Turkmenistan, Ukraine, and Uzbekistan that supports purchase with cash back Transactions

must technically support purchase-only approval in its host system and at all participating POS

Terminals.

In Albania, Austria, Bulgaria, Cyprus, Czech Republic, Hungary, Kosovo, Montenegro, North

Macedonia, Poland, Romania, Serbia, Slovakia, and Slovenia, an Acquirer must itself support in

its host systems and must ensure that new POS Terminals (and effective 23 July 2023, all POS

Terminals) deployed which support purchase with cash back Transactions on the contact

interface, also support purchase with cash back Transactions on the contactless interface, for

both Domestic and Cross-border Transactions.

In Moldova, the following purchase with cash back Transaction requirements apply:

• an Acquirer that supports purchase with cash back Transactions must technically support

purchase-only approval in its host and at all participating POS Terminals;

• POI currency conversion must not be offered on a purchase with cash back Transaction; and

• a Merchant in Moldova that supports purchase with cash back Transactions must show the

cash back amount separately on the Transaction receipt.

Maximum Cash Back Amount

The maximum cash back amount of a purchase with cash back Transaction is set out in the

following table.

Card-Present Transactions

4.9 Purchase with Cash Back Transactions

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Table 5: Maximum Cash Back Amount

Country Maximum Cash Back Amount

Armenia AMD 30,000

Austria EUR 200 (no maximum on Intracountry Maestro Transactions

completed with PIN or CDCVM)

Belarus BYN 100

Georgia GEL 150

Germany EUR 200

Kazakhstan KZT 50,000

Kyrgyzstan KGS 5,000

Moldova MDL 1,000

Poland PLN 1,000

Russia RUB 5,000

Switzerland CHF 300

Tajikistan TJS 500

Turkmenistan TKM 400

Ukraine UAH 6,000

Uzbekistan UZS 500,000

All other Europe Region countries EUR 100 or the local currency equivalent

Except as specified elsewhere in this Rule, an Acquirer or Merchant may establish a lower

maximum cash back amount, provided that:

• Any such maximum amount is applied uniformly; and

• Any maximum amount is not lower than the maximum amount established for any other

payment means on which purchase with cash back is offered at the Merchant location.

CVM Requirements

The following CVMs must be supported by Issuers and Acquirers for purchase with cash back

Transactions:

• Online PIN and offline PIN must be supported for Contact Chip Transactions; and

• Online PIN and CDCVM must be supported for Contactless Transactions.

As an exception to this Rule:

Card-Present Transactions

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• Only online PIN is supported for Contact Chip Transactions and Contactless Transactions on

Cards issued under a BIN assigned for Russia; and

• Only online PIN is supported for Contact Chip Transactions on Cards issued under a BIN

assigned for Ukraine or Switzerland.

Mastercard Cards, excluding Debit Mastercard Cards

A Merchant located in the Europe Region may, at its option, support purchase with cash back

Transactions on Mastercard Cards.

If supported, the following requirements apply to purchase with cash back Transactions on

Mastercard Cards:

1. Purchase with cash back on Mastercard Cards is not available for paper-based, key-entered,

or magnetic stripe Transactions. It is available for all other types of Mastercard

Transactions.

2. If a Merchant provides purchase with cash back only upon presentation of particular Cards,

then the Merchant must not promote the service at the POI location or prompt the

Cardholder to use purchase with cash back.

Intracountry Transactions

The following Rules apply to Intracountry Transactions under all brands in the country

mentioned.

1. For Intracountry Transactions in Poland, an Issuer in Poland must not apply a cash back limit

lower than PLN 1,000. An Acquirer in Poland that supports purchase with cash back must

not apply a cash back limit lower than PLN 1,000. A Merchant in Poland that offers

purchase with cash back must not apply a cash back limit lower than PLN 1,000.

2. An Issuer in Russia must not apply a cash back limit lower than RUB 5,000. A Merchant

located in Russia that provides purchase with cash back service must be duly signed up by

its Acquirer as a bank payment agent in accordance with the local legislation.

3. Intracountry Transactions in Ukraine must be processed in UAH only; POI currency

conversion must not be offered.

4. In Switzerland the purchase amount, cash back amount, and Transaction amount must all

be in the same currency. The cash back amount must not be lower than CHF 10. An Issuer

must decline the Transaction if the cash back amount exceeds CHF 300. The purchase

amount of a purchase with cash back Transaction must not be lower than CHF 20.

5. An Issuer in Armenia, Belarus, Georgia, Kazakhstan, Kyrgyzstan, Russia, Tajikistan,

Turkmenistan, Ukraine, and Uzbekistan must not apply a cash back limit lower than those

specified in the above table of maximum cash back amounts.

6. Intracountry Transactions in Moldova must be processed in MDL only.

Issuer Requirements

The following requirements apply to Issuers:

1. An Issuer in the Europe Region must technically support purchase with cash back

Transactions on Debit Mastercard and Maestro Cards. The Issuer must make individual

Card-Present Transactions

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authorization decisions and must not automatically decline authorization of purchase with

cash back Transactions on these Cards.

2. An Issuer must technically support purchase with cash back Transactions on Mastercard

Cards issued under a BIN or BIN range assigned for the following countries:

Country Requirement Effective date

Russia Technical support in host systems In effect

Ukraine Technical support in host systems

Newly issued and reissued Cards

and MDES tokens must have

PWCB flag.

In effect

All Cards and MDES tokens in

circulation must have PWCB flag.

1 January 2022

Armenia, Belarus, Georgia,

Kazakhstan, Kyrgyzstan,

Tajikistan, Turkmenistan,

Uzbekistan

Technical support in host systems 16 July 2021

Newly issued and reissued Cards

and MDES tokens must have the

PWCB flag

1 January 2023

All Cards and MDES Tokens in

circulation must have the PWCB

flag

1 December 2025

Italy Technical support for PWCB

Transactions on Prepaid Cards and

Tokens in the Issuer's host system

Newly issued and reissued Prepaid

Cards and Tokens must have the

PWCB flag

1 July 2021

Moldova Technical support in host systems 1 December 2022

Newly issued and reissued Cards

and MDES tokens must have the

PWCB flag

1 April 2023

All Cards and MDES tokens in

circulation must have the PWCB

flag

1 January 2025

Details of Technical Support Requirements for Issuers

In addition, an Issuer must technically support purchase with cash back Transactions, including in

the Issuer authorization host system and with respect to purchase-amount-only approvals as

Card-Present Transactions

4.9 Purchase with Cash Back Transactions

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set forth in global Rule 4.9, on Mastercard Cards issued under a BIN or BIN range assigned for

the following countries:

Country

Mandate applies to

Mastercard Cards issued or

reissued on or after

With the exception of the

following types of Cards

Germany 1 January 2017 Prepaid Mastercard Cards

Romania 1 September 2017 No exceptions

Russia, Ukraine 1 January 2020 No exceptions

Armenia, Belarus, Georgia, Kazakhstan,

Kyrgyzstan, Tajikistan, Turkmenistan,

Uzbekistan

1 January 2023 No exceptions

Moldova 1 April 2023 No exceptions

1. An Issuer that intends to support purchase with cash back Transactions for its Mastercard

Cardholders must properly personalize the chip on its Mastercard Cards.

2. An Issuer that supports partial approval may use partial approval to authorize only the

purchase amount. Partial approval must not be used to authorize only the cash back

amount.

In the EEA, UK and Gibraltar, the Rule on this subject is modified as follows.

A purchase with cash back Transaction must be identified in authorization and clearing

messages as specified by the registered switch of the Customer's choice. The Transaction

amount and cash back amount must be identified in the fields and with the values specified by

the registered switch of the Customer's choice.

4.10 Transactions at Unattended POS Terminals

In SCA Countries, the Rule on this subject is modified as follows.

A CAT Level 2 Terminal supporting contact Transactions that does not operate in a transport or

parking environment (MCCs 4111, 4112, 4131, 4784, 4789, and 7523) must:

• Be upgraded to have dual capability by the addition of an offline PIN-capable PIN pad, or

• Be upgraded to become a CAT Level 1 Terminal by the addition of an online PIN-capable PIN

pad, or

• Have contact chip functionality removed, resulting in contactless-only acceptance, or

• Be removed from deployment.

A CAT Level 3 Terminal supporting contact Transactions that does not operate in a transport or

parking environment (MCCs 4784 and 7523) must:

• Be upgraded with the addition of an offline PIN-capable PIN pad, or

• Have contact chip functionality removed, resulting in contactless-only acceptance, or

• Be removed from deployment.

Card-Present Transactions

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A CAT Level 4 Terminal supporting contact Transactions must:

• Be upgraded with the addition of an offline PIN-capable PIN pad, or

• Have contact chip functionality removed, resulting in contactless-only acceptance, or

• Be removed from deployment.

CAT Transactions must be identified in authorization and clearing messages as specified by the

registered switch of the Customer’s choice.

References in Appendix D to Acquirer MIP X-Code processing are replaced by references to

corresponding authorization services of the registered switch of the Issuer’s choice.

4.10.1 Automated Fuel Dispenser Transactions

In the Europe Region, the Rule on this subject is modified as follows.

Support for partial amount preauthorization is mandatory for Issuers and Acquirers of Maestro

Cards if the Customer supports partial amount preauthorization for any other debit brand.

Support of partial amount preauthorization is also required for all Mastercard Account ranges if

the Customer supports partial amount preauthorization for Maestro or any other debit brand.

For more information on Maestro petrol Transaction preauthorizations, refer to “Maestro

Preauthorized Transaction Processing” in Chapter 7 of the Authorization Manual and “Maestro

Pre-authorized Transactions” in Chapter 5 of the Customer Interface Specification manual.

In the EEA, UK and Gibraltar, the Rule on this subject is modified as follows.

A Merchant must inform the Cardholder of any estimated amount for which authorization will

be requested and obtain the Cardholder’s consent to the amount before initiating the

authorization request. As an example, a Merchant may comply with this information

requirement by allowing the Cardholder to select the preauthorization amount at the Terminal

or via a clearly readable sticker or other notice placed at the Point-of-Interaction (POI). The

Cardholder may express consent to the amount by continuing with the Transaction.

The preauthorization request amount, advice request amount, and partial approval support

indicator must be provided in authorization messages, and the final Transaction amount must

be provided in clearing messages, in the fields and with the values specified by the registered

switch of the Customer’s choice.

4.13 Merchant-approved Maestro POS Transactions

In the EEA, UK and Gibraltar, the Rule on this subject is modified as follows.

References to the Interchange System are replaced with references to the registered switch of

the Customer’s choice.

In Belgium, the Rule on this subject is modified as follows.

For Domestic Transactions in Belgium, the Acquirer may resubmit the Transaction once every 24

hours for a period ending 30 calendar days after the Transaction date, if a Merchant-approved

Maestro POS Transaction is declined by the Issuer for insufficient funds, or because the

Transaction exceeds withdrawal limits.

Card-Present Transactions

4.10.1 Automated Fuel Dispenser Transactions

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4.14 Mastercard Manual Cash Disbursement Transactions

4.14.2 Maximum Cash Disbursement Amounts

In the Europe Region, the Rule on this subject is modified as follows.

The maximum cash disbursement amounts of USD 5,000 and USD 1,000 are replaced by EUR

5,000 and EUR 1,000, respectively.

4.17 ATM Access Fees

4.17.1 ATM Access Fees - Domestic Transactions

The Acquirer does not receive a Service fee in connection with an intra-European or inter-

European Transaction on which an ATM Access Fee has been charged.

In the Europe Region, the Rule on this subject, as it applies to Domestic Transactions in the

countries listed below, is replaced with the following:

• All countries and territories in the European Economic Area, excluding Poland

• United Kingdom

• Uzbekistan

Subject to complying with the ATM Access Fee notification requirements of the Rules, an

Acquirer may assess an ATM Access Fee on a Domestic Transaction, provided the Acquirer

applies the ATM Access Fee in a consistent and nondiscriminatory manner. For example, the

amount of the ATM Access Fee must not be greater than that charged on other brands or

networks (whether card scheme or other access device or app-based payment method). The

ATM Access Fee may vary according to the Card or payment application (whether access device

or app-based payment method) category (credit, debit, prepaid, commercial), on condition that

corresponding cash withdrawal transactions on other brands and payment applications at that

ATM Terminal attract an equal or higher ATM Access Fee. The ATM Access Fee must be properly

populated in Transaction messages.

"ATM Access Fee" means a fee charged by an Acquirer in connection with a financial ATM

Transaction and added to the Transaction amount that is transmitted to the Issuer. An Acquirer

must not assess an ATM Access Fee on a non-financial (anything other than cash withdrawal)

Transaction.

4.18 Merchandise Transactions at ATM Terminals

4.18.1 Approved Merchandise Categories

In the Europe Region, the Rule on this subject is modified as follows.

Card-Present Transactions

4.14 Mastercard Manual Cash Disbursement Transactions

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159

Merchandise Category Explanation

Mobile Phone Top Up The purchase of a specified amount of prepaid wireless telephone

time, to be credited to the mobile SIM card associated with the

subscriber’s prepaid telephone account. The Transaction is identified

with MCC 4814.

Bill Payment Payment via the ATM of utility, telephone or other bills. The

Transaction may be identified with MCC 4900 or MCC 6050.

Latin America and the Caribbean Region

The following modifications to the Rules apply in the Latin America and the Caribbean Region.

Refer to Appendix A for the Latin America and the Caribbean Region geographic listing.

4.4 Contactless Transactions at POS Terminals

In the Latin America and the Caribbean Region, the Rule on this subject, as it applies in Brazil, is

modified as follows.

If the Cardholder selects the “debit” option when using a Mastercard Card issued in Brazil to

initiate a Contactless Transaction at a Merchant located in Brazil, Mastercard

Single Message

System processing requirements and the chargeback procedures in Chapter 4 of the

Chargeback Guide will apply. The resulting Transaction is referred to as a Maestro Magnetic

Stripe Mode Contactless Transaction.

4.5 Contactless Transit Aggregated Transactions

4.5.2 Maestro Contactless Transit Aggregated Transactions

In the Latin America and the Caribbean Region, the Rule on this subject is modified as follows.

In Mexico, when the limit is reached or within two calendar days, the Merchant totals the value

of all taps and generates an Acquirer Reversal Advice/0420 message to reverse any unused

funds.

Specific Maestro Contactless transit aggregated Transaction CVM limits apply in the Bolivarian

Republic of Venezuela, Colombia, and Mexico.

4.9 Purchase with Cash Back Transactions

In Argentina, the Rule on this subject is modified as follows with respect to Domestic

Transactions:

For purchase with cash back Transactions with or without an accompanying purchase, a

Merchant may accept Maestro Cards, Debit Mastercard, and Prepaid Mastercard Cards.

The following requirements apply to purchase with cash back Transactions:

Card-Present Transactions

Latin America and the Caribbean Region

Transaction Processing Rules • 11 June 2024

160

1. The Acquirer must obtain online authorization approval for the entire Transaction amount;

partial approval is not permitted.

2. A surcharge must not be applied to the Transaction by the Merchant or the Acquirer.

3. Installment billing of the Transaction must not be offered to the Cardholder.

4. All Transactions must be authenticated using the highest priority CVM supported by both

the Card and the POS Terminal.

5. When cash is provided with an accompanying purchase, the total Transaction amount in DE

4 (Amount, Transaction) must be greater than the cash back amount in DE 54 (Additional

Amounts), subfield 5 (Amount).

6. When cash is provided without an accompanying purchase, the total Transaction amount in

DE 4 (Amount, Transaction) must be equal to the cash back amount in DE 54 (Additional

Amounts), subfield 5 (Amount).

7. Acquirers must not offer purchase with cash back Transactions with or without an

accompanying purchase to Cards issued outside the country.

8. Purchase with cash back Transactions with or without an accompanying purchase are not

available for Mastercard

credit card products.

In Brazil, the Rule on this subject is modified as follows with respect to Domestic Transactions.

A Merchant may offer the purchase with cash back service on the following Card types:

• For purchase with cash back Transactions with an accompanying purchase, a Merchant may

accept Maestro Cards, Mastercard débito, Debit Mastercard and prepaid Mastercard Cards

enabled for Mastercard Single Message System processing.

• For purchase with cash back Transactions without an accompanying purchase, a Merchant

may accept Maestro Cards, Mastercard débito, Debit Mastercard and prepaid Mastercard

Cards enabled for either Mastercard Dual Message System or Mastercard Single Message

System processing.

• Issuers and Acquirers must not support Purchase with Cash Back Transactions for the

following Card types:

– MBF Mastercard

Alimentação (Food)

– MBM Mastercard

Refeição (Meal)

– MLE Mastercard

Pedágio Prepaid Card

– MLF Mastercard

Agro (available only in Brazil)

The following requirements apply to purchase with cash back Transactions:

1. The Acquirer must obtain online authorization approval for the entire Transaction amount.

Partial approval is not permitted.

2. A surcharge must not be applied to the Transaction by the Merchant or the Acquirer.

3. Installment billing of the Transaction must not be offered to the Cardholder.

4. All Transactions must be PIN-verified.

5. When cash is provided with an accompanying purchase, the total Transaction amount in DE

4 (Amount, Transaction) must be greater than the cash back amount in DE 54 (Additional

Amounts), subfield 5 (Amount).

Card-Present Transactions

4.9 Purchase with Cash Back Transactions

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6. When cash is provided without an accompanying purchase, the total Transaction amount in

DE 4 (Amount, Transaction) must be equal to the cash back amount in DE 54 (Additional

Amounts), subfield 5 (Amount).

In Colombia and Venezuela, the Rule on this subject is modified as follows.

Colombia and Venezuela Issuers are not required to support the purchase with cash back

Transaction type.

In Uruguay, the Rule on this subject is modified as follows with respect to Domestic

Transactions:

For purchase with cash back Transactions with an accompanying purchase, a Merchant may

accept Maestro Cards, Debit Mastercard, and Prepaid Mastercard Cards.

The following requirements apply to purchase with cash back Transactions:

1. The Acquirer must obtain online authorization approval for the entire Transaction amount;

partial approval is not permitted.

2. A surcharge must not be applied to the Transaction by the Merchant or the Acquirer.

3. Installment billing of the Transaction must not be offered to the Cardholder.

4. All Transactions must be authenticated using the highest priority CVM supported by both

the Card and the POS Terminal.

5. For Mastercard purchase with cash back Transactions, a maximum cash back amount of

USD 60 or local currency equivalent applies.

6. When cash is provided with an accompanying purchase, the total Transaction amount in DE

4 (Amount, Transaction) must be greater than the cash back amount in DE 54 (Additional

Amounts), subfield 5 (Amount).

7. Acquirers must not offer purchase with cash back Transactions to Cards issued outside the

country.

8. Purchase with cash back Transactions are not available for Mastercard

credit card

products.

4.17 ATM Access Fees

4.17.1 ATM Access Fees—Domestic Transactions

In the Latin America and the Caribbean Region, the Rule on this subject, as it applies to

Domestic Transactions occurring in the countries listed below, is replaced with the following:

Subject to complying with the ATM Access Fee notification requirements, the Acquirer may

assess an ATM Access Fee on a Domestic Transaction provided the Acquirer applies the ATM

Access Fee in a consistent and nondiscriminatory manner.

For the purposes of this Rule, “ATM Access Fee” means a fee charged by an Acquirer in

connection with any financial Transaction initiated at that Acquirer’s ATM with a Card and

added to the amount of the Transaction transmitted to the Issuer.

Argentina

Brazil

Card-Present Transactions

4.17 ATM Access Fees

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Chile Colombia

Ecuador Mexico

Panama Peru

Puerto Rico Venezuela

Middle East/Africa Region

The following modifications to the Rules apply in the Middle East/Africa Region. Refer to

Appendix A for the Middle East/Africa Region geographic listing.

4.9 Purchase with Cash Back Transactions

In Kenya, the Rule on this subject is modified as follows:

A Merchant located in Kenya that has received prior approval from its Acquirer may offer a

purchase with cash back Transaction with or without an accompanying purchase to any

Cardholder presenting a Mastercard Card, Prepaid Mastercard Card, Debit Mastercard Card, or

Maestro Card issued in Kenya.

For purchase with cash back Transactions, a maximum cash back amount must be established

that does not exceed KES 100,000.

PIN verification must be obtained for each purchase with cash back Transaction without an

accompanying purchase.

In South Africa, the Rule on this subject is modified as follows:

A Merchant located in South Africa that has received prior approval from its Acquirer may offer

a purchase with cash back Transaction with or without an accompanying purchase to any

Cardholder presenting a Mastercard, Debit Mastercard, or Maestro Card issued in South Africa.

PIN verification must be obtained for each purchase with cash back Transaction without an

accompanying purchase.

United States Region

The following modifications to the Rules apply in the United States (U.S.) Region. Refer to

Appendix A for the U.S. Region geographic listing.

4.1 Chip Transactions at Hybrid Terminals

The Rule on this subject is modified as follows:

Card-Present Transactions

Middle East/Africa Region

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• “PIN-capable Hybrid POS Terminal” means a Hybrid POS Terminal capable of performing

both online and offline PIN verification when a PIN-preferring Chip Card is presented, and

which, if attended, also supports the signature CVM. Signature collection is optional.

• “PIN-preferring Chip Card” means a Chip Card that has been personalized so that a PIN CVM

option (online PIN or offline PIN) appears in the Card’s CVM list with a higher priority than

the signature CVM, indicating that a PIN CVM is preferred to the signature CVM at any POS

Terminal that supports the same PIN CVM option.

Technical fallback occurs when a Chip Card is presented at a Hybrid Terminal but due to the

failure of Chip Transaction processing, the Transaction is completed using the magnetic stripe or

manual key entry of the PAN. The ratio of technical fallback Transactions to all Transactions

completed at Hybrid Terminals at a particular Merchant location or at an ATM Terminal for a

calendar month must not exceed five percent of all Chip Card Transactions at that Merchant

location or ATM Terminal. An Acquirer with a Merchant that has exceeded the Standard set

forth in the preceding sentence may be subject to noncompliance assessments.

4.5 Contactless Transit Transactions

4.5.1 Mastercard Contactless Transit Aggregated Transactions

In the U.S. Region, effective 15 August 2022, the Rule on this subject is replaced with the

following.

A contactless transit aggregated Transaction occurs when one or more contactless taps

performed with one Mastercard or Maestro Account at one U.S. Region transit Merchant during

a 24-hour period (the “tap aggregation period”) are combined into a total Transaction amount

and subsequently submitted for authorization on a deferred basis. A “tap” means the

Cardholder’s tap of the Card or Contactless Payment Device on the contactless reader of the

POS Terminal with each ride taken.

The following requirements apply.

Account Verification Required

Upon the first use of a Mastercard or Maestro Account at the transit Merchant on a given day

(the “initial tap”), the Merchant starts the 24-hour aggregation period. The initial tap must be

processed as follows:

• The Merchant sends an Account status inquiry (ASI) Authorization Request/0100 or Financial

Transaction Request/0200 message, either deferred or in real-time. An ASI request contains

a value of 8 (Account Status Inquiry Service [ASI]) in DE 61, subfield 7 (POS Transaction

Status) and a Transaction amount of zero.

• If the Issuer approves or does not decline the ASI request, then the Merchant may proceed

with tap aggregation as specified in this Rule.

• If the Issuer declines the ASI request, then the Merchant must not proceed with tap

aggregation. The Merchant may submit a transit debt recovery Transaction for the amount

of a single ride (if taken).

Card-Present Transactions

4.5 Contactless Transit Transactions

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Aggregation Procedures

The following requirements apply for each tap aggregation period:

1. Following successful account verification as described above, the Merchant or its Acquirer

maintains a record of each subsequent tap that occurs within the 24-hour aggregation

period.

2. At the end of the aggregation period, the Merchant uses the last tap to initiate an

Authorization Request/0100 or Financial Transaction Request/0200 message for the

combined total amount of taps (rides taken) during the aggregation period. The total

aggregated amount must not exceed the applicable contactless Transaction CVM limit

amount (USD 100).

3. The Merchant must receive Issuer authorization for the Transaction. If the Issuer declines,

the Merchant may submit a transit debt recovery Transaction. If the transit debt recovery

Transaction is declined, the Merchant must not perform tap aggregation involving the

Account until debt recovery on the Account is successfully completed and the Issuer

approves a new Account verification request.

4. Upon the Cardholder’s request, the Merchant must provide a list of the taps that were

aggregated (the date, time [if available], and fare for each ride taken).

Multiple aggregation cycles may occur in the same 24-hour period, at the Merchant’s discretion.

As described in the “Contactless Transactions” section of Appendix C, Transaction messages for

the combined total amount of aggregated taps occurring in an aggregation period must

contain:

• A value of 05 (Other) in DE 48, subelement 64, subfield 1 (Transit Transaction Type) of

Authorization Request/0100 and Financial Transaction Request/ 0200 messages and in PDS

0210, subfield 1 (Transit Transaction Type) of First Presentment/1240 messages; and

• A value of 1 (Deferred authorization) in DE 61, subfield 7 of the Authorization Request/0100

or Financial Transaction Request/0200 message.

4.5.2 Maestro Contactless Transit Aggregated Transactions

In the U.S. Region, effective 15 August 2022, the Rule on this subject is replaced with U.S.

Region Rule 4.5.1.

4.9 Purchase with Cash Back Transactions

In the U.S. Region, the Rule on this subject is modified as follows.

A Merchant located in the United States that has received prior approval from its Acquirer may

offer a Cardholder a cash back Transaction with or without an accompanying purchase when a

Debit Mastercard (including prepaid) Card is presented. A maximum cash back amount must be

established in an amount that does not exceed USD 200 per Transaction.

A Merchant may charge a fee on the cash back portion of a Transaction. The fee charged by the

Merchant must be:

a. The same or less than the fee charged for a cash back transaction for all other payment

networks.

Card-Present Transactions

4.5.2 Maestro Contactless Transit Aggregated Transactions

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b. Disclosed to the Cardholder before completion of the Transaction.

c. Detailed in DE 54 (Amounts, Additional) of the First Presentment/1240 message.

d. Detailed in DE 28 (Amount, Transaction Fee) of the Authorization Request/0100 message or

Financial Transaction Request/0200.

e. Included in the total Transaction amount transmitted in DE 4 (Amount, Transaction) of

authorization and clearing messages.

4.10 Transactions at Unattended POS Terminals

4.10.1 Automated Fuel Dispenser Transactions

In the U.S. Region, the Rule on this subject is modified as follows.

An automated fuel dispenser Merchant identified by the Corporation to be an Excessive

Chargeback Merchant (ECM) must use the Mastercard Address Verification Service (AVS) to

verify the Cardholder’s ZIP code before completing a Cardholder-Activated Terminal (CAT) Level

2 Transaction. For information about ECM criteria, refer to section 8.3, “Excessive Chargeback

Program,” of the Security Rules and Procedures. For information about ECM requirements to use

AVS, refer to United States Region section, section 5.11.4, "Additional Cardholder

Identification" of the Mastercard Rules manual.

4.11 PIN-based Debit Transactions

In the U.S. Region, a Customer may choose to acquire Transactions effected with Debit

Mastercard Cards where PIN is used as the Cardholder verification method (CVM).

4.12 PIN-less Single Message Transactions

In the U.S. Region, a PIN-less Single Message Transaction is a Transaction where the Cardholder

is not required to be verified by PIN or other CVM if all of the following conditions exist:

• The Card is issued in the U.S. Region; and

• The Card has an IIN/BIN that begins with a four; and

• The Transaction is initiated by means of a POS Terminal located in the U.S. Region; and

• The Transaction amount is equal to or less than USD 100; and

• The Transaction is a magnetic stripe Transaction, Contact Chip Transaction, or Contactless

Transaction; and

• The Transaction type cannot be performed at an unattended POS Terminal; and

• DE 18 (Merchant Type) does not contain any of the following Merchant category code (MCC)

values:

– MCC 4829 (Money Transfer)

– MCC 6010 (Manual Cash Disbursements: Customer Financial Institution)

– MCC 6011 (Automated Cash Disbursements: Customer Financial Institution)

– MCC 6050 (Quasi Cash: Customer Financial Institution)

– MCC 6051 (Quasi Cash: Merchant)

– MCC 6538 (Funding Transactions for MoneySend)

Card-Present Transactions

4.10 Transactions at Unattended POS Terminals

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– MCC 6540 (Funding Transactions)

– MCC 7800 (Government Owned Lottery [U.S. Region Only])

– MCC 7801 (Internet Gambling [U.S. Region Only])

– MCC 7802 (Government Licensed Horse/Dog Racing [U.S. Region Only])

– MCC 7995 (Gambling Transactions)

– MCC 9405 (Intra-Government Purchases: Government Only)

If all of the conditions are met, a Corporation-assigned indicator will be populated in DE 48,

subelement 81 of the Financial Transaction Request/0200 message, indicating that the

Transaction qualifies for processing as a PIN-less Single Message Transaction.

For Transactions qualifying as PIN-less Single Message Transactions:

1. No CVM is required.

2. An Acquirer must be able to route a PIN-less Single Message Transaction to the Issuer for

approval.

3. An Acquirer must only route a PIN-less Single Message Transaction when the final purchase

Transaction amount is certain at the time of authorization.

4. An Issuer may not charge back a PIN-less Single Message Transaction for reason of fraud.

4.14 Mastercard Manual Cash Disbursement Transactions

In the U.S. Region, the Rule on this subject is modified as follows:

Subject to compliance with the Standards, each Customer within the United States Region

must provide cash disbursement services to all Cardholders at all of the Customer’s offices

where teller services are provided.

4.14.2 Maximum Cash Disbursement Amounts

In the U.S. Region, the Rule on this subject is replaced with the following:

A Customer and each of its authorized cash disbursement agents may limit the amount of cash

provided to any one Cardholder in one day at any individual office. Any such limit must be

uniformly applied to all Cardholders of the same Card type. With respect to prepaid Cards, the

limit must not be less than USD 5,000 per Cardholder in one day. With respect to all other Card

types, the limit must not be less than USD 1,000 per Cardholder in one day.

4.14.3 Discount or Service Charges

In the U.S. Region, the Rule on this subject is replaced with the following:

With respect to the acceptance of prepaid Cards, the Customer and each of its authorized cash

disbursement agents must disburse all cash disbursements at par without any discount and

without any service or other charge to the Cardholder, except as may be imposed to comply

with applicable law. Any charge imposed to comply with applicable law must be charged to and

paid by the Cardholder separately and must not be included in the total amount of the cash

disbursement.

With respect to the acceptance of any type of Mastercard Card other than a prepaid Card, a

Customer or its authorized cash disbursement agent may charge a fee for performance of the

Card-Present Transactions

4.14 Mastercard Manual Cash Disbursement Transactions

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cash disbursement service (herein, a “Manual Cash Disbursement Access Fee”). Any Manual

Cash Disbursement Access Fee charged must be:

1. Not greater than the fee established for any other payment network.

2. Disclosed to the Cardholder before a Transaction authorization request is submitted. At the

time of disclosure, the Cardholder must be afforded the opportunity to opt out of

completing the Transaction.

3. Disclosed on the Transaction receipt.

4. Detailed in DE 28 (Amount, Transaction Fee) of the Authorization Request/0100 or

Financial Transaction Request/0200 message.

5. Detailed in DE 54 (Amounts, Additional) of the First Presentment/1240 message.

6. Included in the total Transaction amount transmitted in DE 4 (Amount, Transaction) of

authorization and clearing messages.

4.17 ATM Access Fees

4.17.1 ATM Access Fees—Domestic Transactions

In the U.S. Region, the Rule on this subject is replaced with the following:

In all states and territories of the United States and in the District of Columbia, upon complying

with the ATM Access Fee notification requirements of the Rules, an Acquirer may assess an ATM

Access Fee on a Domestic Transaction.

4.18 Merchandise Transactions at ATM Terminals

4.18.1 Approved Merchandise Categories

In the U.S. Region, the Rule on this subject is modified to add postage stamps issued by the U.S.

Postal Service as an approved merchandise category.

4.19 Shared Deposits

In the U.S. Region, an Acquirer may choose to participate in the Shared Deposit service;

provided, if the Acquirer deploys ATM Terminals that participate in any other shared deposit

service, those ATM Terminals must participate in the Shared Deposit service.

An Acquirer may make only its ATM Terminals available for participation in the Shared Deposit

service. An Acquirer that, as an Issuer, elects to take part in the Shared Deposit service must

designate its BINs/IINs and ATM Terminals that participate in any other shared deposit service

for participation in the Shared Deposit service.

4.19.1 Non-discrimination Regarding Shared Deposits

An Acquirer may impose a dollar limit on Shared Deposits accepted at an ATM Terminal provided

that the limit imposed on Cardholders is the same or more favorable than the limits imposed on

cardholders of other networks. This Rule does not limit the application of other non-

discrimination provisions contained in the Standards.

Card-Present Transactions

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4.19.2 Terminal Signs and Notices

An Acquirer must display a notice regarding funds availability in accordance with section

229.18(c) of Regulation CC, 12 C.F.R. § 229.18(c) on each ATM Terminal that participates in the

Shared Deposit service.

4.19.3 Maximum Shared Deposit Amount

The maximum Shared Deposit Transaction amount must be limited to USD 99,999.99.

4.19.4 Deposit Verification

An Acquirer must process its Shared Deposits as follows.

1. The Acquirer must complete an examination of each Shared Deposit no later than one

business day after the date of the Transaction;

2. Such examination must be conducted under dual control standards either by two employees

of the Acquirer or by one or more employees of the Acquirer with a surveillance camera

monitoring the examination;

3. The examination must consist of the following:

1. The deposit must be verified to ensure that the dollar amount of the deposit keyed by

the Cardholder at the ATM Terminal matches the deposit contents; the deposit envelope

is not empty; and the deposit envelope does not contain only non-negotiable items;

2. The Acquirer must identify any irregularities that would make an item in the deposit

envelope non-negotiable, such as:

– The deposited currency is counterfeit;

– The deposited currency, check or money order is in a denomination other than U.S.

Region currency;

– The item is drawn on or payable by an institution located outside the U.S. Region;

– The item has a passbook attached;

– The item is a photocopy;

– The item is a certificate of deposit or banker’s acceptance;

– The item is a non-negotiable writing;

– The item is a returned or cancelled check or draft;

– A date is not present on the item;

– The item is postdated;

– The item is dated more than six months prior to the date of the deposit;

– The payee field has not been completed;

– Either the written or numeric amount does not appear on the item;

– The written amount does not match the numeric amount on the item;

– The amount on the item appears altered;

– The item includes restrictive wording;

– The item is missing an endorsement;

– The item, which requires a signature, is unsigned

Card-Present Transactions

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3. The Acquirer must submit an adjustment within one business day of the deposit

verification date if a discrepancy exists between the deposit amount and the amount

keyed into the ATM Terminal.

4.19.5 ATM Terminal Clearing and Deposit Processing

An Acquirer that accepts Shared Deposits must clear its ATM Terminals at least once each

business day.

By the end of the business day following the day on which an ATM Terminal was cleared, the

Acquirer must forward for collection all Shared Deposits cleared from that Terminal in the same

manner it would forward its own Cardholders' deposits.

4.19.6 Shared Deposits in Excess of USD 10,000

If an Acquirer receives a Shared Deposit or series of related Shared Deposits made to a single

Account on one business day containing currency in excess of USD 10,000, the Acquirer must

notify the Issuer of this fact by telephone, facsimile, or any other means permitted by the

Corporation within two business days of the date of deposit. The Acquirer must record the

occurrence as well as the act of reporting the occurrence and must include the name of the

Issuer’s employee that received notification.

The notification must include the following:

1. Cardholder number;

2. Amount of currency;

3. Amount of currency in bills of denomination of USD 10,000 or higher;

4. ATM Terminal location;

5. Date and time of deposit.

If the Acquirer fails to provide notification of such a cash deposits and the Issuer is assessed

penalties or fines as a result of the Acquirer’s failure, the Acquirer must indemnify the Issuer for

such penalties and fines.

4.19.7 Notice of Return

If an item sent by an Acquirer to the payor bank of the item for presentment is returned to the

Acquirer for any reason or the Acquirer receives notice of nonpayment of the item for any reason

from the payor bank, the Acquirer must notify the Issuer of the receipt of such return or notice,

and must initiate return of the returned item to the Issuer no later than one business day

following the receipt of the returned item or the notice of nonpayment, whichever is received

first. Such notice to the Issuer must include the reason for nonpayment as set forth on the

returned item or notice of nonpayment received.

4.19.8 Liability for Shared Deposits

The maximum damages that an Acquirer may face for its failure to comply with these Shared

Deposit Rules is the amount of loss incurred by the Issuer with respect to a particular Shared

Deposit, not to exceed the amount of the Shared Deposit. In addition, an Acquirer will not be

liable to an Issuer for any amount of the Shared Deposit that the Issuer could have recovered

from the Cardholder. An Issuer must claim that:

Card-Present Transactions

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1. Its Cardholder would not accept the adjustment of an improper Shared Deposit;

2. It could not debit the Cardholder when the Issuer received notice of the improper deposit;

and

3. It could have debited the Cardholder if the Acquirer had complied with these Shared Deposit

Rules.

In all events, the Issuer must first attempt to collect from its Cardholder.

Card-Present Transactions

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Chapter 5 Card-Not-Present Transactions

The following Standards apply with regard to Transactions that occur in a Card-not-present

environment, including electronic commerce (e-commerce), mail order/telephone order (MO/TO), and

recurring payment Transactions. Where applicable, variations or additions by region and/or country are

provided at the end of this chapter in the section titled, “Variations and Additions by Region.”

5.1 Electronic Commerce Transactions.......................................................................................................... 175

5.1.1 Acquirer and Merchant Requirements.............................................................................................175

5.1.2 Issuer Requirements........................................................................................................................... 177

5.1.3 Use of Static AAV for Card-not-present Transactions.................................................................178

5.1.4 Debit Small-Ticket Digital Transaction Program: Brazil Only......................................................178

5.2 Mail Order and Telephone Order (MO/TO) Transactions......................................................................178

5.3 Credential-on-File Transactions................................................................................................................179

5.4 Recurring Payment Transactions.............................................................................................................. 180

5.4.1 Subscription Billing Merchants......................................................................................................... 183

5.4.1.1 Applicability of Standards........................................................................................................ 184

5.4.2 Negative Option Billing Merchants..................................................................................................184

5.4.3 China Domestic Recurring Payment Transactions .......................................................................186

5.5 Installment Billing........................................................................................................................................ 186

5.5.1 Single-Authorization Installment Billing..........................................................................................187

5.5.1.1 Definitions................................................................................................................................... 187

5.5.1.2 Transaction Processing Procedures.........................................................................................187

5.5.2 Multiple-Authorization Installment Billing......................................................................................188

5.6 Transit Transactions Performed for Debt Recovery...............................................................................190

5.6.1 Transit First Ride Risk Framework....................................................................................................191

5.7 Use of Automatic Billing Updater.............................................................................................................193

5.8 Authentication Requirements—Europe Region Only..............................................................................194

5.9 Merchant-initiated Transactions...............................................................................................................194

5.10 Mastercard Micropayment Solution—United States Region Only.................................................... 195

Variations and Additions by Region.................................................................................................................196

Asia/Pacific Region.............................................................................................................................................196

5.1 Electronic Commerce Transactions.....................................................................................................196

5.1.1 Acquirer and Merchant Requirements....................................................................................... 197

5.1.2 Issuer Requirements......................................................................................................................197

5.2 Mail Order and Telephone Order (MO/TO) Transactions................................................................ 197

5.3 Credential-on-File Transactions...........................................................................................................198

5.4 Credential-on-File Transactions...........................................................................................................199

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5.4.2 China Domestic Recurring Payment Transactions.................................................................. 199

5.4.2.1 Transaction Requirements for Acquirers ..........................................................................199

5.4.2.2 Transaction Requirement for Issuers.................................................................................201

5.5 Installment Billing...................................................................................................................................202

5.5.1 Single-Authorization Installment Billing....................................................................................202

5.5.1.2 Transaction Processing Procedures...................................................................................202

5.7 Use of Automatic Billing Updater........................................................................................................202

5.9 Merchant-initiated Transactions......................................................................................................... 202

Canada Region....................................................................................................................................................202

5.7 Use of Automatic Billing Updater........................................................................................................202

Europe Region..................................................................................................................................................... 202

5.1 Electronic Commerce Transactions.....................................................................................................202

5.1.1 Acquirer and Merchant Requirements....................................................................................... 203

5.1.2 Issuer Requirements......................................................................................................................204

5.1.3 Use of Static AAV for Card-not-present Transactions........................................................... 205

5.2 Mail Order and Telephone Order (MO/TO) Maestro Transactions................................................ 205

5.2.1 Definitions.......................................................................................................................................205

5.2.2 Intracountry Maestro MO/TO Transactions—Cardholder Authority.................................... 206

5.2.3 Intracountry Maestro MO/TO Transactions—Transactions Per Cardholder Authority......206

5.2.4 Intracountry Maestro MO/TO Transactions—CVC 2/AVS Checks........................................206

5.3 Credential-on-File Transactions...........................................................................................................207

5.4 Recurring Payment Transactions.........................................................................................................207

5.5 Installment Billing ..................................................................................................................................209

5.5.1 Single-Authorization Installment Billing....................................................................................220

5.5.1.2 Transaction Processing Procedures...................................................................................220

5.5.2 Multiple-Authorization Installment Billing.................................................................................220

5.6 Transit Transactions Performed for Debt Recovery.........................................................................221

5.7 Use of Automatic Billing Updater........................................................................................................221

5.7.1 Issuer Requirements......................................................................................................................221

5.7.2 Acquirer Requirements................................................................................................................. 222

5.8 Authentication Requirements.............................................................................................................. 223

5.8.1 Acquirer Requirements................................................................................................................. 223

5.8.2 Issuer Requirements......................................................................................................................224

5.9 Merchant-initiated Transactions......................................................................................................... 224

Latin America and the Caribbean Region...................................................................................................... 226

5.1 Electronic Commerce Transactions.....................................................................................................226

5.1.1 Acquirer and Merchant Requirements....................................................................................... 226

5.1.2 Issuer Requirements......................................................................................................................226

5.1.4 Debit Small-Ticket Digital Transaction Program: Brazil Only................................................227

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5.7 Use of Automatic Billing Updater........................................................................................................228

Middle East/Africa Region.................................................................................................................................228

5.1 Electronic Commerce Transactions.....................................................................................................228

5.1.1 Acquirer and Merchant Requirements....................................................................................... 229

5.1.2 Issuer Requirements......................................................................................................................229

5.7 Use of Automatic Billing Updater........................................................................................................229

United States Region.........................................................................................................................................229

5.7 Use of Automatic Billing Updater........................................................................................................229

5.10 Mastercard Micropayment Solution.................................................................................................229

Additional U.S. Region and U.S. Territory Rules.............................................................................................230

5.1 Electronic Commerce Transactions ....................................................................................................230

5.1.1 Acquirer and Merchant Requirements....................................................................................... 230

5.1.2 Issuer Requirements......................................................................................................................231

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5.1 Electronic Commerce Transactions

An electronic commerce (“e-commerce”) Transaction must be authorized by the Issuer, in

accordance with the authorization requirements described in Chapter 2. An e-commerce

Transaction must not be effected using contactless payment, contactless payment or

Mastercard Consumer-Presented QR payment functionality, or as a purchase with cash back

Transaction.

NOTE: Additions to this Rule appear in the “Asia/Pacific Region” and “Europe Region,” and “Middle

East/Africa Region” sections at the end of this chapter.

5.1.1 Acquirer and Merchant Requirements

Each Acquirer and Merchant conducting any e-commerce Transactions must comply with the

following requirements:

1. The Merchant must display the appropriate Acceptance Marks on its website where

payment methods are listed, in accordance with the Standards set forth in Chapters 4 and

5 of the Mastercard Rules.

2. The Merchant must provide a mailing address and a contact telephone number or email

address for customer queries. This information may be displayed on any page within the

Merchant’s website, but must be readily accessible to a Cardholder, and remain displayed for

at least 90 calendar days after the last day on which a Transaction was performed.

3. The Merchant must clearly display price information, including currency, and the details of

the timing of billing and fulfillment of Transactions, and provide a function for Cardholders

to confirm a purchase before the completion of the sale.

4. For each Merchant and each 3-D Secure Service Provider (as defined in Chapter 7 of the

Mastercard Rules) transacting under the Mastercard

Identity Check program, the Acquirer

must ensure the Merchant is assigned a Merchant ID and uses the Mastercard Directory

Server to complete the authentication if the Transaction is submitted for authorization and

clearing (unless such Transaction is submitted via an alternate switch due to regulatory

reasons), and ensure that the Merchant correctly populates all UCAF fields with required

data elements and complies with the Mastercard Identity Check Standards. Refer to the

Mastercard Identity Check Program for more information.

5. The Transaction amount used in the authorization message for a CIT must match the value

of the products and services in the Cardholder’s purchase order, including any additional

charges for posting and packing, etc.

6. If the purchase will be delivered in multiple shipments, the Merchant must notify the

Cardholder and ensure that the combined amount of all shipments does not exceed the

total purchase amount agreed with the Cardholder. The Merchant must obtain the

Cardholder’s agreement to any increase in the purchase amount as a result of multiple or

partial deliveries. Each shipment, and any increase to the original agreed purchase amount,

must be processed by the Merchant as a separate authorized Transaction. Each subsequent

authorization request initiated by the Merchant after the initial CIT must be identified with

Card-Not-Present Transactions

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the MIT value of M205 (Partial Shipment) in DE 48, subelement 22 (Multi-purpose Merchant

Indicator), subfield 5 (Cardholder/Merchant Initiated Transaction Indicator).

7. If the products or services purchased are not available at time of the Transaction, the

Merchant must inform the Cardholder and obtain the Cardholder’s agreement to a delayed

delivery (specifying the anticipated delivery date) before proceeding with the Transaction.

8. The Merchant must advise the Cardholder if the products or services ordered will not be

delivered within the time frame originally disclosed to and agreed with the Cardholder. The

Cardholder must be notified of the new anticipated delivery timeframe and given an

opportunity to cancel the Transaction.

9. The information provided on any email acknowledgment of the Cardholder’s order must

comply with the Transaction receipt requirements described in Chapter 3.

10. For a physical or digital product or a sample of the physical or digital product provided to a

Cardholder by a negative option billing Merchant for a trial period, the trial period begins on

the date that the Cardholder receives the product.

For purposes of this Rule 5.1.1, a trial period means a preset length of time during which the

Cardholder may evaluate the characteristics of the product such as its quality or usefulness

to determine whether the Cardholder wants to either:

– Purchase the product on a one-time basis or recurring basis; or

– Return the product (if possible) to the negative option billing Merchant.

11. If the Merchant is a negative option billing Merchant, then the Merchant must provide a

direct link to an online cancellation procedure for recurring payment Transactions on the

website on which the Cardholder initiated an agreement with the Merchant to bill the

Cardholder on a recurring basis for one or more physical or digital products provided by the

Merchant through the Merchant’s website.

In addition, with respect to Maestro e-commerce Transactions:

1. The Acquirer and Merchant must be capable of accepting PANs between 13 and 19 digits in

length and sending the full unaltered PAN and the expiration date (in MMYY format) to the

Interchange System. Transactions must not be declined by the Merchant or Acquirer as a

result of edits or validations performed on the BIN/IIN or expiration date;

2. The Merchant must support Mastercard Identity Check;

a. For the EMV 3D Secure 2.0 specification, a Merchant must support both browser and in-

app Transactions;

b. For the 3D Secure 1.0 specification, a Merchant must support browser Transactions and

may support in-app Transactions;

3. The Acquirer and Merchant must support the passing of authentication data in the

Universal Cardholder Authentication Field (UCAF);

4. The Acquirer must support the 3D Secure Merchant Plug-in, and be capable of handling

Transactions within a 3D Secure environment;

5. The Merchant must provide a set of “help” functions to help Cardholders that have not yet

been enabled by their Issuers for transacting via the Internet; and

6. On an ongoing basis, the Acquirer must educate its Merchants to ensure that each

Merchant has an understanding of the special risks and responsibilities associated with

accepting Transactions in an e-commerce environment.

Card-Not-Present Transactions

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NOTE: Modifications to this Rule appear in the “Asia/Pacific Region,” "Europe Region," "Latin America

and the Caribbean Region," "Middle East/Africa Region," and the "Additional U.S. Region and U.S.

Territory Rules" sections at the end of this chapter.

5.1.2 Issuer Requirements

An Issuer must approve or decline each e-commerce Transaction authorization request. Call

referrals are not permitted.

A Region that previously implemented an intraregional Merchant-only liability shift for e-

commerce Transactions may agree to require Issuers in that Region to implement Mastercard

Identity Check.

An Issuer that uses Mastercard Identity Check to verify its Cardholders must:

• Use the Mastercard Secure Payment Application (SPA) algorithm to generate the

Accountholder Authentication Value (AAV); and

• Verify the validity of the AAV when present in DE 48, subelement 43 of the authorization

request message, or participate in the Mastercard Identity Check AAV Verification Service.

Mastercard Identity Check liability shifts applicable to e-commerce Transactions conducted with

a Mastercard Card are described in the Chargeback Guide.

Refer to the Chargeback Guide for information about using message reason code 4841

(Cancelled Recurring Transactions and Digital Goods Purchases Under USD 25) to charge back a

Transaction under USD 25 involving the purchase of Digital Goods.

The following applies with respect to a Maestro Card Program:

1. The Issuer is encouraged but not required to permit a Maestro Cardholder to engage in e-

commerce Transactions. An Issuer that permits its Maestro Cardholders to perform e-

commerce Transactions must be capable of recognizing and processing these Transactions

when presented by an Acquirer.

2. The Issuer should provide a registration and set-up process for Cardholders wishing to

engage in e-commerce Transactions.

3. The Issuer must provide a Cardholder wishing to engage in e-commerce Transactions with a

PAN of between 13 and 19 digits in length and an expiration date in MMYY format. The PAN

must start with a Maestro BIN/IIN, which may be a BIN that is currently used by the Issuer.

The Issuer may optionally use a PAN that is different from the PAN displayed on the Card (a

“pseudo PAN”). If a pseudo PAN is used, it must be static and have an expiration date that

does not exceed five years from the PAN issuance date.

4. The Issuer must implement security techniques between the Cardholder interface device

and the Issuer server to guard against unauthorized Transactions.

5. The Issuer is responsible for deciding which CVMs are acceptable for the completion of e-

commerce Transactions, and may choose to request that a Cardholder use a chip/hardware

authentication device.

6. An Issuer should educate Cardholders of the risks of releasing Card details and PINs into

open networks and entering PINs into public terminals without using the approved methods.

Card-Not-Present Transactions

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7. An Issuer may directly implement Mastercard Identity Check and register its Cardholders

and each Cardholder’s authentication information, or delegate a specific implementation

and registration function to a designated Service Provider, in accordance with the set-up

requirements provided to the Corporation by the Issuer. The Issuer must ensure that

Cardholders are properly identified if issuing certificates.

8. The Issuer must perform an appropriate risk assessment on any Transaction for which the

UCAF field (data element 48, subelement 43) contains a Corporation-assigned static AAV.

9. The Issuer is responsible for fraud in connection with any e-commerce Transaction that the

Issuer has approved, unless it can be proved that the Merchant and/or Acquirer participated

in the fraud or the Merchant Website does not support the passing of UCAF data. However,

the Issuer will have a chargeback right for fraudulent Transactions containing the

Corporation-assigned static AAV in the UCAF field.

NOTE: Modifications to this Rule appear in the "Asia/Pacific Region," "Europe Region," "Latin America

and the Caribbean Region," "Middle East/Africa Region," and the "Additional U.S. Region and U.S.

Territory Rules" sections at the end of this chapter.

5.1.3 Use of Static AAV for Card-not-present Transactions

NOTE: A Rule on this subject appears in the “Europe Region” section of this chapter.

5.1.4 Debit Small-Ticket Digital Transaction Program: Brazil Only

NOTE: A Rule on this subject appears in the “Latin America and the Caribbean Region” section of this

chapter.

5.2 Mail Order and Telephone Order (MO/TO) Transactions

The following requirements apply to mail order and telephone (“phone”) order (MO/TO)

Transactions effected with a Mastercard Account, and where supported, a Maestro Account,

including phone order Transactions conducted with Integrated Voice Response (IVR) technology.

MO/TO Transactions are supported for Maestro in some of the Europe Region countries, India,

and the United States Region and U.S. Territories only.

1. MO/TO Transactions must not be effected using contactless payment, Mastercard

Consumer-Presented QR payment, or as purchase with cash back Transactions. Manual key

entry of the PAN is the normal method of performing a MO/TO Transaction. Online

authorization is required.

2. The Issuer must approve or decline each authorization request. A call referral is an invalid

response to a MO/TO Transaction authorization request and must be treated by the

Acquirer and the Merchant as a decline.

3. There is no Cardholder verification procedure for MO/TO Transactions; however, an Acquirer

and Merchant may choose to support Mastercard SecureCode or Identity Check for

Card-Not-Present Transactions

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Mastercard phone order Transactions conducted with Integrated Voice Response (IVR)

technology.

4. The Merchant must not request an authorization, in a single message environment, or

submit a Transaction to the Acquirer for presentment, in a dual message environment, until

the products and services are available for delivery.

NOTE: Additions to this Rule appear in the “Europe Region” section and, pertaining to India, in the

“Asia/Pacific” sections at the end of this chapter.

5.3 Credential-on-File Transactions

A Credential-on-file Transaction occurs when a Cardholder expressly authorizes a Merchant to

store the Cardholder’s Mastercard or Maestro Account data (meaning PAN and expiration date)

for subsequent use in connection with one or more later Transaction(s) with that Merchant and

subsequently authorizes that Merchant to use the stored Mastercard or Maestro Account data

in one or more Transaction(s).

For authorization, a Credential-on-file Transaction must contain the Credential-on-file indicator,

which is a value of 10 (Credential on File) in DE 22 (Point-of-Service Entry Mode), subfield 1

(POS Terminal PAN Entry).

For clearing, a Credential-on-file Transaction must contain the Credential-on-file indicator,

which is a value of 7 (Credential on File) in DE 22 (Point-of-Service Entry Mode), subfield 7 (Card

Data Input Mode).

A Transaction must contain the Credential-on-file indicator (in addition to a CIT or MIT indicator,

as applicable) when:

• the Cardholder previously authorized the Merchant to store the Account data for use in

future Transactions, and

• the Cardholder agreed to the Merchant’s use of the stored Account data to conduct the

Transaction being submitted.

Refer to Rule 5.9 for more information about Merchant-initiated Transactions (MITs) and to

Appendix C regarding the use of CIT and MIT indicators.

The Acquirer should:

• ensure that the Merchant retains the Cardholder's written agreement to the terms of a

Credential-on-file Transaction arrangement; and

• advise the Merchant not to place Account data on file as a Stored Credential if the Issuer

provides a Merchant advice code value of 40 (Consumer non-reloadable prepaid card) or 41

(Consumer single use virtual card number) in an authorization response (0110 or 0210)

message.

NOTE: Modifications to this Rule appear in the "Asia/Pacific Region" and "Europe Region" sections at

the end of this chapter.

Card-Not-Present Transactions

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5.4 Recurring Payment Transactions

A recurring payment Transaction is a Transaction made pursuant to an agreement between a

Cardholder and a Merchant, whereby the Cardholder authorizes the Merchant to store and use

the Cardholder’s Mastercard Account or (where supported) Maestro Account data periodically

and on an ongoing basis, with no specified end date. Use may occur periodically, such as on a

monthly, quarterly, or annual basis, or as needed to “top up” the Cardholder’s account with the

Merchant. A recurring payment Transaction may be for a variable or a fixed amount, as

specified in the agreement. A recurring payment Transaction differs from an installment

Transaction in that the number of installment Transaction payments is specified.

By way of example and not limitation, the following are Merchant categories that frequently

process recurring payment Transactions:

• MCC 4814 (Telecommunication Services including but not limited to prepaid phone services

and recurring phone services)

• MCC 4816 (Computer Network/Information Services)

• MCC 4899 (Cable, Satellite, and Other Pay Television and Radio Services)

• MCC 4900 (Utilities—Electric, Gas, Heating Oil, Sanitary, Water)

• MCC 5192 (Books, Periodicals, and Newspapers)

• MCC 5968 (Direct Marketing—Continuity/Subscription Merchants)

• MCC 6300 (Insurance Sales, Underwriting, and Premiums)

The Acquirer must identify the first Cardholder-initiated Transaction of a recurring payment

series with the following values.

Data Element

Subfield Value

61 (Point-of-Service [POS] Data) 1 (POS Terminal Attendance) One of the following:

• 0 (Attended Terminal)

• 1 (Unattended Terminal

[Cardholder-activated

Terminal {CAT}, home PC,

mobile phone, personal digital

assistant {PDA}])

• 2 (No Terminal used [voice/

audio response unit {ARU}

authorization; server])

Card-Not-Present Transactions

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Data Element Subfield Value

61 (Point-of-Service [POS] Data) 4 (POS Cardholder Presence) One of the following:

• 0 (Cardholder present)

• 1 (Cardholder not present,

unspecified)

• 2 (Mail/facsimile order)

• 3 (Phone/ARU order)

• 5 (Electronic order [home PC,

Internet, mobile phone, PDA])

Effective 7 June 2022 in the U.S.

Region and 14 October 2022 in

all other Regions (unless an

earlier effective date applies), the

value of 4 must be used when the

first payment in a recurring

payment series occurs in a Card-

not-present environment.

61 (Point-of-Service [POS] Data)

5 (POS Card Presence) One of the following:

• 0 (Card present)

• 1 (Card not present)

48 (Additional Data—Private

Use), subelement 22 (Multi-

Purpose Merchant Indicator)

5 (Cardholder/Merchant Initiated

Transaction Indicator)

One of the following:

• C101 (Credential-on-file [ad

hoc])

• C102 (Standing Order

[variable amount/fixed

frequency])

• C103 (Subscription [fixed

amount/fixed frequency])

An Acquirer must identify each subsequent Merchant-initiated recurring payment Transaction

with the following values, including when a Stored Credential has been replaced with a Token at

the Merchant’s request.

Data Element

Subfield Value

22 (Point-of-Service [POS] Entry

Mode)

1 (POS Terminal PAN Entry

Mode)

• 10 (Credential on File)

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Data Element Subfield Value

61 (Point-of-Service [POS] Data) 1 (POS Terminal Attendance) One of the following:

• 1 (Unattended Terminal

[Cardholder-activated

Terminal {CAT}, home PC,

mobile phone, personal digital

assistant {PDA}])

• 2 (No Terminal used [voice/

audio response unit {ARU}

authorization; server])

61 (Point-of-Service [POS] Data) 4 (POS Cardholder Presence) 4 (Standing order/recurring

Transactions)

61 (Point-of-Service [POS] Data) 5 (POS Card Presence) 1 (Card not present)

61 (Point-of-Service [POS] Data) 10 (Cardholder-activated

Terminal Level)

0 (Not a CAT Transaction)

61 (Point-of-Service [POS] Data) 11 (POS Card Data Terminal

Input Capability Indicator)

6 (Key entry only)

48 (Additional Data—Private

Use), subelement 22 (Multi-

Purpose Merchant Indicator)

5 (Cardholder/Merchant Initiated

Transaction Indicator)

One of the following:

• M101 (Unscheduled

Credential-on-file)

• M102 (Standing Order

[variable amount/fixed

frequency])

• M103 (Subscription [fixed

amount/fixed frequency])

The recurring payment indicator must not appear in installment billing Transactions.

An Issuer should provide a Merchant advice code in DE 48, subelement 84 of the authorization

response message when declining a recurring payment Transaction authorization request. The

Acquirer and the Merchant should be able to receive and act on the Merchant advice code when

present.

The Acquirer should ensure that the Merchant retains the Cardholder’s written agreement to

the terms of a recurring payment Transaction arrangement. The Merchant must not deliver

products or perform services pursuant to a recurring payment Transaction arrangement after

receiving notification of its cancellation by the Cardholder or Issuer or that the Account on file is

not to be honored.

NOTE: Additions to this Rule appear in the “Europe Region” section at the end of this chapter.

Card-Not-Present Transactions

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5.4.1 Subscription Billing Merchants

The following Standards apply to recurring payment Transactions initiated by a Merchant

performing subscription billing in which the Cardholder has agreed for the Merchant to provide

ongoing and/or periodic delivery of a service, membership, physical products or Digital Goods.

Refer to Rule 5.4.1.1 regarding the applicability of these Standards to certain Merchant

categories.

1. The Merchant must disclose the subscription terms simultaneously with a request for Card

credentials. The disclosure must include the price that will be billed and the frequency of the

billing (for example, "You will be billed USD 9.95 per month until you cancel the

subscription). Merchants that utilize a negative option billing model must also disclose the

terms of the trial, including any initial charges, the length of the trial period, and the price

and frequency of the subsequent subscription (for example, You will be billed USD 2.99

today for a 30-day trial. Once the trial ends, you will be billed USD 19.99 each month

thereafter until you cancel.").

An e-commerce Merchant must:

a. Clearly and prominently display the subscription terms on any payment and order

summary webpages; and

b. Capture a Cardholder's affirmative acceptance of the subscription terms before

completing the subscription order.

Providing a link to another webpage or requiring the Cardholder to expand a message box or

scroll down the webpage to view the subscription terms does not satisfy this requirement.

2. Immediately after the Cardholder completes the subscription order, the Merchant must

promptly send a subscription order confirmation to the Cardholder through an email

message or other electronic communication method that includes the subscription terms.

The confirmation message must include or provide access to instructions for account

management capabilities, including instructions for canceling the subscription (and thereby

withdrawing permission for any subsequent recurring payment).

3. Each time that the Merchant receives an approved authorization request, it is

recommended that the Merchant provide the Cardholder with a Transaction receipt through

an e-mail message or other electronic communication method that includes the amount and

reason for the billing and includes or provides access to instructions for account

management capabilities, including instructions for canceling the subscription (and thereby

withdrawing permission for any subsequent recurring payment Transactions). Cardholders

may choose to opt-out of receiving these notices.

This Standard becomes a requirement when a Merchant that utilizes a recurring payment

plan is identified for four months or more in the Acquirer Chargeback Monitoring Program

(ACMP) as an Excessive Chargeback Merchant (ECM), a High Excessive Chargeback

Merchant (HECM) and/or an Excessive Fraud Merchant (EFM) within the same audit period

(refer to Chapter 8 Acquirer Chargeback Monitoring Program of the Data Integrity

Monitoring Program for more information). The Acquirer of a Merchant that has been

identified in ACMP for four months or more and has not implemented these requirements

may be subject to Category A assessments for each month of noncompliance, in addition to

the assessments applicable under the Acquirer Chargeback Monitoring Program.

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4. The Merchant must provide an online or electronic cancellation method (similar to

unsubscribing from email messages or any other electronic method) or clear instructions on

how to cancel that are easily accessible online (such as a “Manage Subscription” or “Cancel

Subscription” link on the merchant’s home page).

5. For any subscription where the billing frequency is every six months (180 days) or less (i.e.,

billing occurs every six months, every year, every other year, etc.), the Merchant must send

an electronic reminder to the Cardholder at least seven days but no more than 30 days prior

to the next billing date that includes the subscription terms and includes or provides access

to instructions for account management capabilities, including instructions for canceling the

subscription (and thereby withdrawing permission for any subsequent recurring payment).

The communication must clearly reference in the subject line that it relates to upcoming

charges to the Cardholder (for example, "Important Information About Upcoming Charges

to Your Account") and the message must be distinct from marketing communications that

are otherwise sent to the Cardholder.

5.4.1.1 Applicability of Standards

The Standards in this Rule 5.4.1 do not apply to payments for utilities (i.e., gas, electric,

sanitation, heating oil, water), telecommunications, insurance policies, or existing debt (for

example, vehicle loan or mortgage payments).

The Standards in this Rule 5.4.1 are only best practice recommendations for any not-for-profit/

charity Merchant that utilizes a recurring payment plan. However, all five Standards (including,

for the avoidance of doubt, item three) become requirements when a not-for-profit/charity

Merchant that utilizes a recurring payment plan is identified for four months or more in the

Acquirer Chargeback Monitoring Program (ACMP) as an Excessive Chargeback Merchant

(ECM), a High Excessive Chargeback Merchant (HECM) and/or an Excessive Fraud Merchant

(EFM) within the same audit period (refer to Chapter 8 Acquirer Chargeback Monitoring

Program of the Data Integrity Monitoring Program for more information). The Acquirer of a

Merchant that has been identified in ACMP for four months or more and has not implemented

these requirements may be subject to Category A assessments for each month of

noncompliance, in addition to the assessments applicable under the Acquirer Chargeback

Monitoring Program.

5.4.2 Negative Option Billing Merchants

A negative option billing Merchant offers a Cardholder the opportunity to purchase a

subscription service to automatically receive one or more physical products (such as cosmetics,

health-care products, or vitamins), Digital Goods or services on a recurring basis (such as weekly,

monthly, semi-annually, or annually). As used in this section, the term "product" means or a

physical product or a Digital Good.

The subscription service may be initiated by an agreement between the Cardholder and the

Merchant whereby the Cardholder agrees to receive from the Merchant a sample of the product

or services (either complimentary or at a nominal price) for a trial period. The sample may be

larger, equal to, or smaller than the product provided by the Merchant during the subscription

period. For the purposes of this Rule 5.4.2, a trial period means a preset length of time during

Card-Not-Present Transactions

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which the Cardholder may evaluate the characteristics of the product or service such as its

quality or usefulness to determine whether the Cardholder wants to either:

• Purchase the product or service on a one-time basis or recurring basis; or

• Return the product (if possible) to the Merchant.

After the trial period has expired, the Merchant may use Account credentials provided to the

Merchant by the Cardholder to submit Transactions on a recurring basis each time that the

product is shipped, delivered, or otherwise made available to the Cardholder, until either:

• The Cardholder takes action to terminate the agreement with the Merchant (for example,

notifying the Merchant to cancel the subscription);

• The Merchant terminates the agreement; or

• The subscription expires.

The following Standards apply to recurring payment Transactions associated with a negative

option billing Merchant:

1. For Digital Goods and services offering a trial period longer than seven days: No less than

three days and no more than seven days prior to end of trial period, the Merchant must send

a reminder notification to the Cardholder that the subscription plan will commence if the

Cardholder does not cancel, or whenever terms and conditions will change. This notification

must include the basic terms of the subscription and clear instructions on how to cancel.

This reminder can be completed by email or any other electronic methods.

2. For physical products:

a. The Acquirer must process all subsequent recurring payment Transactions using the

same Merchant ID in DE 42 (Card Acceptor ID Code) and Merchant name in DE 43,

subfield 1 (Card Acceptor Name) as the Acquirer used for the initial Transaction.

b. After the trial period has expired, the Merchant must provide the following information

to the Cardholder and receive the Cardholder’s explicit consent in relation to this

information before the Merchant may submit an authorization request for the initial

recurring payment Transaction for the full-size or regular price product:

– The date the subscription period begins

– The Transaction amount

– The payment date of the Transaction

NOTE: After the Cardholder has provided consent, the Merchant may not change this date;

however, a later payment date may be offered by the Merchant prior to consent, if the

authorization request results in a declined response from the Issuer due to insufficient

funds in the Cardholder’s Account.

– The Merchant name as it will appear on the Cardholder’s statement

– Instructions for terminating the recurring payment Transaction cycle (for example,

canceling the subscription service) at the Cardholder’s discretion

3. Each time that the Merchant receives an approved authorization request, the Merchant

must provide the Cardholder with a Transaction receipt through an e-mail message or other

electronic communication method (such as an SMS “text message”) including instructions

for terminating the recurring payment Transaction cycle (such as canceling the subscription

Card-Not-Present Transactions

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service). If the Merchant provides the Cardholder with a Transaction receipt after a declined

authorization request, the Transaction receipt must state the reason for the decline

response.

4. The Merchant must provide the Cardholder with written confirmation in either hard copy or

electronic format at least seven (7) days in advance when any of the following events occur:

– The Merchant is revising the subscription billing terms

– The recurring payment Transaction cycle has been terminated by either the Merchant or

the Cardholder, in which case the notice must be sent no more than seven days after the

Cardholder's decision to cancel.

For more information about registration requirements for negative option billing Merchants

selling physical goods, refer to section 9.4.10 of the Security Rules and Procedures manual.

5.4.3 China Domestic Recurring Payment Transactions

NOTE: A Rule on this subject appears in the “Asia/Pacific Region” section at the end of this chapter.

5.5 Installment Billing

Installment billing consists of payments by an Issuer to an Acquirer on behalf of a Cardholder

who authorizes a Merchant to bill the Cardholder’s Account on a continued, periodic basis

(typically based on the Transaction date, and on a monthly basis) until the total amount due for

the goods or services purchased from the Merchant or other retailer is paid. The amount of each

payment is a fixed amount determined by the total number of installments specified and the

value of goods or services purchased.

Installment billing differs from recurring payments in that there is a specified end date. For

example, a Cardholder contracted to pay BRL 500 on a monthly basis for one year for

membership in a health club. This would not qualify as a recurring payment arrangement

because there is a beginning and ending time specified for the membership.

NOTE: Modifications to this Rule appear in the “Europe Region” section at the end of this chapter.

Applicability of Rules

The Standards in Rule 5.5.1 and in message reason code 4850—Installment Billing Disputes in

the Chargeback Guide apply to an Acquirer-financed and Merchant-financed installment billing

where the Acquirer processes a single authorization request containing installment information

for the full Transaction amount. Upon Issuer approval, the Acquirer submits multiple clearing

records for the installment payments, in accordance with the terms agreed by the Cardholder at

the POI. The first installment billing may occur in a Card-present or Card-not-present

environment; all subsequent installment billings are processed as Card-not-present

Transactions.

Mastercard also supports Issuer-financed installment billing, which differs in that upon Issuer

approval of the authorization request containing installment information, the Acquirer submits

Card-Not-Present Transactions

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a single clearing record for the full Transaction amount. The Issuer then bills the Cardholder for

the installments in accordance with the terms agreed by the Cardholder at the POI.

Mastercard supports single-authorization installment billing in participating countries only.

The Standards in Rule 5.5.2 apply when a Merchant or Installment Provider offers installment

billing to Cardholders, and each installment payment Transaction is submitted individually for

authorization by the Issuer, in accordance with the terms agreed by the Cardholder at the POI.

Upon Issuer approval, the Acquirer submits a separate clearing record for each installment

payment.

For more information about Installment Providers, refer to Chapter 7 of the Mastercard Rules.

5.5.1 Single-Authorization Installment Billing

This section applies to installment billing Transactions whereby information about the

installment plan agreed between the Merchant and the Cardholder is transmitted in the

Merchant's authorization request message for Issuer approval.

5.5.1.1 Definitions

Solely for the purposes of the installment billing Rules set forth herein and in “Message Reason

Code 4850—Installment Billing Dispute” in the “Domestic Chargebacks” section of the

Chargeback Guide, the following terms have the meanings set forth below:

Installment billing

An arrangement agreed between a Merchant and a Cardholder at the POI whereby a fixed

number of periodic payments will be processed to complete a total payment for goods or

services purchased.

Installment

One of a fixed number of periodic payments processed by a Merchant and submitted by its

Acquirer as a separate clearing record in accordance with an installment billing arrangement

between the Merchant and the Cardholder.

Installment acceleration

Acceleration of the processing of remaining installments for a Transaction. When installment

acceleration is requested by the Issuer, the Acquirer must immediately process all remaining

installments for the Transaction.

5.5.1.2 Transaction Processing Procedures

The Authorization Request/0100 message of a Transaction to be billed in installments must

contain the following information, and must not contain the recurring payment indicator:

• The appropriate installment billing indicator code in DE 48, subelement 95 (Promotion Code),

and

• The installment plan type and the number of installments requested by the Cardholder at

the time of purchase in DE 112 (Additional Data, National Use).

Card-Not-Present Transactions

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The Authorization Request/0100 message must be submitted for the total value of the

Transaction. The Acquirer must ensure that the Authorization Request Response/0110 message

contains the same number of installments indicated in DE 112 of the Authorization Request/

0100 message.

The Transaction receipt must include the number of installments agreed between the

Cardholder and the Merchant at the time of the Transaction.

Each installment payment is cleared and settled separately upon the processing of each

installment. The Acquirer may process each installment payment clearing record upon receipt

from the Merchant as the installment becomes due. The Acquirer must ensure that each

installment payment clearing record contains information identifying the original approved

authorization, as follows:

• The values contained in DE 63 (Network Data) and DE 15 (Settlement Date) from the

authorization request response message must be placed in DE 63, subfield 2 (Trace ID) of

each clearing record, and

• The value contained in DE 38 (Approval Code) from the authorization request response

message must be placed in DE 38 of each clearing record.

For Transactions completed with electronically recorded Card information (whether Card-read

or key-entered), the first installment must be presented within seven calendar days of the

Transaction date. For Transactions completed with manually recorded Card information

(whether imprinted or handwritten), the first installment must be processed within 30 days of

the Transaction date.

Unless otherwise agreed between the Cardholder and the Merchant, the period between

installments must be 30 calendar days. Acceleration of the processing of installments is

permitted when authorized by the Issuer.

The Issuer is responsible for ensuring that each installment is processed accurately and for

identifying each installment number on the Cardholder’s billing statement (for example,

installment one of six).

NOTE: Modifications to this Rule appear in the "Asia/Pacific" and "Europe Region" sections at the end

of this chapter.

5.5.2 Multiple-Authorization Installment Billing

This section describes Transaction processing procedures for Merchants and Installment

Providers offering installment billing arrangements to Cardholders in connection with a retail

purchase, in which each installment payment is processed as an individually authorized and

cleared Transaction. The following requirements apply:

• The installment billing arrangement terms and conditions must be fully and clearly disclosed

in advance to the Cardholder. This includes but is not limited to the total number of

installment payments, the payment schedule, the amount of each payment, and any fees

that may apply;

Card-Not-Present Transactions

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• The installment billing arrangement must be conducted in accordance with the terms and

conditions offered to and agreed by the Cardholder;

• The Acquirer must properly identify each installment payment Transaction as described in

the “Installment Payment Information” section; and

• The Transaction receipt for each installment Transaction must include the installment

number as it corresponds to the total number of installments (for example, "Payment 2 of

4").

Installment Payment Information

An installment payment Transaction is properly identified as described in the following table.

Table 6: Authorization Request/0100 and Financial Transaction Request/0200 Messages

In This Data Field:

If submitted by a Merchant,

each Transaction must contain:

If submitted by an Installment

Provider, each Transaction must

contain:

DE 43 (Acceptor Name and

Address)

The Merchant’s name and

address

The full or abbreviated name of

the Installment Provider in

combination with the retailer

name, separated by an asterisk

(for example, Installment

Provider*Retailer)

DE 18 (Merchant Type) The MCC that best describes the

primary business of the

Merchant, or the nature of the

purchase

The MCC that best describes the

primary business of the retailer,

or the nature of the purchase

DE 48, subelement 32

(Mastercard-assigned ID)

Optional; if present, the

Mastercard-assigned ID of the

Merchant

The Mastercard-assigned ID of

the Installment Provider

DE 48, subelement 77

(Transaction Type Identifier)

Not Required P10 (Purchase Repayment)

DE 48, subelement 22 (Multi-

Purpose Merchant Indicator),

subfield 5 (Cardholder/Merchant

Initiated Transaction Indicator)

C104 for the initial CIT and M104

for each subsequent MIT

C104 for the initial CIT and M104

for each subsequent MIT

The following First Presentment/1240 message fields must be populated with the same

information as provided in the corresponding Authorization Request/0100 message field:

• DE 43 (Acceptor Name/Location)

• DE 26 (Acceptor Business Code [MCC])

• PDS 0176 (Mastercard-assigned ID)

• PDS 0043 (Transaction Type Identifier)

Card-Not-Present Transactions

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The Credential-on-file Transaction indicator must be present in authorization and clearing

messages as described in Rule 5.3 for each installment payment Transaction subsequent to the

initial payment. The value of C104 or M104, as appropriate, may also be provided in PDS 0218

(Cardholder/Merchant Initiated Transaction Indicator).

If space allows, a message describing the installment being paid may optionally be provided in

authorization and clearing messages at the end of DE 43, subfield 1 (Card Acceptor Name); for

example, “PYMT 2 of 4”.

NOTE: Modifications to this Rule appear in the “Europe Region” section at the end of this chapter.

Customer Service Information

The Acquirer is recommended to provide the following information in PDS 0170 (Card Acceptor

Inquiry Information) of each First Presentment/1240 message:

• A customer service phone number for the retailer in subfield 1 (Customer Service Phone

Number);

• A customer service phone number for the Installment Provider in subfield 2 (Card Acceptor

Phone Number); and

• The installment number and total number of installments in subfield 3 (Additional Contact

Information) (for example, “PAYMENT 2 of 4”).

5.6 Transit Transactions Performed for Debt Recovery

A transit Merchant may use the transit debt recovery Transaction to recover a Cardholder’s debt

resulting from one or more contactless taps for entry to the transit system, if the Issuer has

declined the Contactless transit aggregated Transaction authorization request (0100 or 0200)

message. A transit debt recovery Transaction is an MIT that is properly identified with:

• A value of 07 (Debt Recovery) in DE 48, subelement 64 (Transit Program), subfield 1 (Transit

Transaction Type Indicator) in Authorization Request/0100 and Financial Transaction

Request/0200 messages and in PDS 0210 (Transit Program), subfield 1 (Transit Transaction

Type Indicator) of First Presentment/1240 messages; and

• An amount in DE 4 (Amount, Transaction) that does not exceed the applicable Mastercard

Contactless transit aggregated Transaction CVM limit.

Effective 14 October 2022, a transit debt recovery Transaction may also contain the MIT value

of M208 (Resubmission) in DE 48, subelement 22 (Multi-purpose Merchant Indicator), subfield 5

(Cardholder/Merchant Initiated Transaction Indicator) of Authorization Request/0100 and

Financial Transaction Request/0200 messages.

An Issuer of Maestro Cards that allows its Cardholders to perform Maestro Contactless transit

aggregated Transactions must be able to accept and must make an individual authorization

decision for each transit debt recovery Transaction identified as a Card-not-present Transaction

(for example, as a PAN key-entered, e-commerce, or mail order or telephone order (MO/TO)

Transaction).

Card-Not-Present Transactions

5.6 Transit Transactions Performed for Debt Recovery

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NOTE: A modification to this Rule appears in the “Europe Region” section at the end of this chapter.

5.6.1 Transit First Ride Risk Framework

A transit Merchant that initiates the authorization of Contactless transit aggregated

Transactions submitted via the Mastercard Dual Message System and is located in a country

implementing the First Ride Risk (FRR) framework may qualify to collect payment for first ride

debt incurred by the Cardholder. First ride debt is the amount owed by the Cardholder to the

transit Merchant for one or more rides taken upon using a Contactless tap to enter the transit

system (such as at a gate or turnstile), if the Issuer declines the Contactless transit aggregated

Transaction authorization request. The FRR framework applies solely with respect to the use of

a Card or Access Device issued in the Merchant's country, unless otherwise specified.

Under the FRR framework, a Merchant that meets all the FRR framework criteria can collect

payment for first ride debt in an amount not exceeding the FRR limit applicable in the

Merchant's country, as follows.

Submit this Transaction type:

Under these conditions:

A transit debt recovery Transaction The Issuer declined the Contactless transit aggregated

Transaction using a response code value categorized in Table

7 as "Recoverable" or "Temporarily Recoverable." The transit

debt recovery Transaction amount must not exceed the

applicable Contactless transit aggregated Transaction CVM

limit.

A Transit FRR claim Transaction 1. The Issuer declined the Contactless transit aggregated

Transaction or a subsequent transit debt recovery

Transaction using a response code value categorized in

Table 7 as "Unrecoverable." In such event, the FRR claim

Transaction can be submitted immediately; or

2. The Merchant made at least nine transit debt recovery

Transaction attempts for a period of 45 calendar days

from the date of the original Contactless Transit

aggregated Transaction decline, with the last attempt

occurring on day 45, and the Issuer declined each

attempt for a "Recoverable" or "Temporarily

Recoverable" reason. The Merchant must make no more

than one attempt per 24-hour period.

An FRR claim Transaction does not require authorization by the Issuer. The FRR claim

Transaction is properly identified in the First Presentment/1240 message with:

• A value of 08 (First Ride Risk Claim) in PDS 0210 (Transit Program), subfield 1 (Transit

Transaction Type Indicator) for Post Authorized Aggregation (PAA), Authorized Aggregated

Split Clearing (AASC) or PAA-Maestro transit model only; and

• An amount in DE 4 (Amount, Transaction) that does not exceed the FRR limit applicable in

the Merchant's country, as specified in Chapter 5 of the Quick Reference Booklet.

Card-Not-Present Transactions

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The Acquirer must not submit an FRR claim Transaction if the Issuer used a response code value

categorized in this table as "Not Claimable" when declining the original Contactless transit

aggregated Transaction or a subsequent transit debt recovery Transaction.

Table 7: Authorization Request Response/0110 Message DE 39 (Response Code) Decline Value

Categories

Recoverable Unrecoverable

Temporarily

Recoverable Not Claimable

DE 39 Value

51 (Insufficient funds/

over credit limit)

03 (Invalid merchant) 01 (Refer to card issuer) 15 (Invalid issuer)

55 (Invalid PIN) 04 (Capture card) 05 (Do not honor)

30 (Format error)

61 (Exceeds withdrawal

amount limit)

12 (Invalid transaction) 70 (Contact card issuer) 54 (Expired card)

65 (Exceeds withdrawal

count limit)

13 (Invalid amount) 86 (PIN validation not

possible)

57 (Transaction not

permitted to issuer/

cardholder)

71 (PIN not changed) 14 (Invalid card number) 87 (Purchase amount

only; no cash back

allowed)

92 (Unable to route

transaction)

75 (Allowable number of

PIN tries exceeded)

41 (Lost card) 91 (Authorization

system or issuer system

inoperative)

94 (Duplicate

transmission detected)

76 (Invalid/nonexistent

"To Account" specified)

43 (Stolen card) 96 (System error)

77 (Invalid/nonexistent

"From Account"

specified)

58 (Transaction not

permitted to acquirer/

terminal)

78 (Invalid/Nonexistent

account specified)

62 (Restricted card)

63 (Security violation)

88 (Cryptographic

failure)

The terms used in the headings of the preceding table are defined here.

Recoverable

For response codes that are recoverable, the transit acquirer must use the

debt recovery Authorization Request/0100 message to attempt debt

recovery from the issuer or cardholder.

Unrecoverable if DE 48, subelement 84 (Merchant Advice Code) contains a value of 03 (Do not try again).

Card-Not-Present Transactions

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Unrecoverable

Authorization requests receiving response codes that are deemed

unrecoverable will be eligible for unrecoverable debt claims by the merchant's

acquirer to the issuer. The claim is submitted as a First Presentment/1240

clearing message without a valid authorization approval.

The transit acquirer submitting a first presentment to make an FRR claim

due to reason code 14 (Invalid card number) may be rejected with an error

code 2358 (DE2 PRIMARY ACCOUNT NUMBER [PAN] INVALID. THE PAN

MAPPING SERVICE CANNOT MAP DE2 TO ANOTHER ACCOUNT NUMBER)

from the Global Clearing Message System (GCMS) if the authorization

request was initiated from a digitized card associated with a closed account.

The transit acquirer may submit a Fee Collection/1740 message to claim the

debt for reason code 14 (invalid card number) after the first presentment

was rejected with error code 2358 when making an FRR claim.

Temporarily

Recoverable

Upon receiving a response code that indicates a temporary situation that the

cardholder may potentially be able to resolve by working with the issuer, the

transit merchant must make at least nine attempts at debt recovery from

the cardholder within 45 calendar days from the date on which the

temporarily recoverable decline response code was initially received, until the

last attempt occurring no later than day 45.

When all debt recovery attempts are exhausted, the debt becomes

unrecoverable, and the transit merchant may submit an FRR claim directly to

the issuer. The claim is submitted as a First Presentment/1240 clearing

message without a valid authorization approval.

Not Claimable

Transit merchants must deny access to expired cards and cards that do not

support deferred authorization (bit 8 of byte 3 set to 1b) in the transit

product data (an extension of third-party data defined in the M/Chip

Requirements for Contact and Contactless announced in December 2020) at

the point of entry, and will be fully liable for declines due to reason codes 54

(Expired card) and 57 (Transaction not permitted to issuer/cardholder).

Merchants cannot claim the debt using the FRR framework or submit a debt

recovery authorization upon receiving an expired card decline or card that

does not support deferred authorization.

Transit merchants also cannot claim the outstanding debt for response codes

that indicate formatting or network issues.

5.7 Use of Automatic Billing Updater

The Automatic Billing Updater (ABU) is used by a Customer to communicate changes to

Account information to Merchants that participate in Account-on-file and recurring payment

Card-Not-Present Transactions

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Transactions. For information about ABU, refer to the Mastercard Automatic Billing Updater

Reference Guide, available in the Technical Resource Center on Mastercard Connect.

When applicable, an Issuer of Mastercard Cards and each Acquirer that accepts Mastercard

Cards must participate in ABU and be able to send, receive, and process Automatic Billing

Updater (ABU) data.

To participate in ABU, an Issuer must take all of the following actions:

• Complete the Automatic Billing Updater Customer Enrollment Form available on Mastercard

Connect

™

. Regarding a newly assigned ICA or BIN, an Issuer has six months from the date of

the assignment to comply with this requirement.

• Provide to ABU a one-time upload plus six months of historic ICA and BIN data changes, up

to a maximum of 50 months’ data, and all newly issued and reissued activated Accounts.

• Submit to ABU all of the types of Account changes defined in the Mastercard Automatic

Billing Updater Reference Guide, excluding any such Account changes to Cards issued under

exempt Mastercard Card Programs.

The following Card Programs and Accounts are exempt from ABU participation requirements:

• A non-reloadable prepaid Card Program, provided that the Issuer does not allow the prepaid

Cards to be used to enter into recurring payment arrangements;

• Remote Transaction Accounts issued for a single use or other predefined purpose; and

• A Commercial Card Program, except that ABU participation requirements apply to Cards

issued for use by a small business (for a list of small business Card Programs, see

www.Mastercardbusiness.com and select “Cards” under “Small Business”).

NOTE: Modifications to this Rule appear in the "Asia/Pacific Region," "Canada Region," "Europe

Region," "Latin America and the Caribbean Region," "Middle East/Africa Region," and "United States

Region" sections at the end of this chapter.

5.8 Authentication Requirements—Europe Region Only

NOTE: Rules on this subject appear in the “Europe Region” section at the end of this chapter.

5.9 Merchant-initiated Transactions

A Merchant-initiated Transaction (MIT) is a Card-not-present Transaction that a Merchant

initiates based on a prior agreement with the Cardholder, and in which the Cardholder does not

actively participate. An MIT is often preceded by an Account Status Inquiry authorization

request or CIT.

MITs are classified as follows.

Recurring payment and installment MITs are Credential-on-file Transactions initiated by a

Merchant or Installment Provider based on the Cardholder’s agreement to be billed on a

Card-Not-Present Transactions

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scheduled or unscheduled basis for goods or services purchased from the Merchant, or for a

single purchase to be paid in several installments.

Industry Practice MITs are initiated by the Merchant based on the Cardholder’s agreement to

the terms and conditions of a single purchase of goods or services. Industry practice MITs may

be performed with credentials that the Merchant does not store permanently on file, but only

temporarily retains for purposes of completing the purchase. An industry practice MIT may be

one of the following:

• “Partial shipment” occurs when items that were out of stock when originally ordered in a CIT

are later shipped and billed separately by the Merchant as an MIT.

• “Related/delayed charge” occurs when the Merchant submits an MIT to bill the Cardholder

for additional items or fees associated with an initial CIT, in accordance with the original

Transaction terms.

• “No-show” is a fee billed by a Merchant in accordance with the Merchant’s guaranteed

reservation service policy, when the Cardholder fails to cancel a reservation within the time

frame disclosed at the time of the booking.

• “Resubmission” occurs when the original CIT authorization request was declined by the Issuer

for a reason that does not preclude the Merchant from resubmitting the request after a

reasonable period (for example, in 24 hours).

An Acquirer must properly identify in Authorization Request/0100 and Financial Transaction

Request/0200 messages:

• All Merchant-initiated Transactions (MITs); and

• Any Cardholder-initiated Transaction (CIT) that occurs in an e-commerce environment and is

used to place a credential on file for future MITs.

This requirement takes effect 14 October 2022, except that the requirement is in effect for

recurring payment, installment, related/delayed charge, and partial shipment MITs occurring in

the U.S. Region. Refer to Appendix C for MIT and CIT identification requirements.

NOTE: Additions to this Rule appear in the “Europe Region” section and modifications to this Rule

appear in the “Asia/Pacific Region” section at the end of this chapter.

5.10 Mastercard Micropayment Solution—United States Region

Only

A Rule on this subject appears in the “United States Region” section at the end of this chapter.

Card-Not-Present Transactions

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Variations and Additions by Region

The remainder of this chapter provides modifications to the Standards set out in this chapter.

The modifications are organized by region or country and by applicable subject title.

Asia/Pacific Region

The following modifications to the Rules apply in the Asia/Pacific Region or in a particular

Region country or countries. Refer to Appendix A for the Asia/Pacific Region geographic listing.

5.1 Electronic Commerce Transactions

In the Asia/Pacific Region, the Rule on this subject is modified as follows. A Customer that

participates as an Issuer in another international cardholder authentication program must

certify that it has enabled its Cardholders and its e-commerce Merchants for Mastercard

Identity Check.

In India, the Rule on this subject, as it applies to Mastercard Intracountry e-commerce

Transactions, is modified as follows:

1. Electronic commerce Transactions occurring at a Merchant located in India with a

Mastercard Card issued in India must be authenticated. An authenticated Transaction

occurs when:

a. The Merchant is Universal Cardholder Authentication Field (UCAF)-enabled;

b. The Issuer provided the UCAF data for that Transaction;

c. All other authorization and clearing requirements applicable to the Transaction were

satisfied; and

d. The Authorization Request Response/0110 message reflected the Issuer’s approval of

the Transaction.

2. Each Issuer and e-commerce Transaction Acquirer must participate in the Activation During

Shopping (ADS) method of Cardholder enrollment in Mastercard Identity Check.

Cardholders must complete enrollment on the first attempt, and the Issuer must not permit

a Cardholder to opt-out of the enrollment process.

3. Each Issuer and e-commerce Transaction Acquirer participating in the Mastercard Assurance

Service must register with the Corporation. Each e-commerce Transaction enabled using the

Mastercard Assurance Service must contain a value of 6 (UCAF Control Byte) in DE 48,

subelement 43, position 1, and a value of MAS in DE 124 of the Authorization Request/

0100 message. For additional information, please contact

south_asia_ops@mastercard.com.

A refund for a Maestro Intracountry e-commerce Transaction must be processed as a Payment

Transaction.

Card-Not-Present Transactions

Variations and Additions by Region

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5.1.1 Acquirer and Merchant Requirements

An Acquirer must technically support in authorization and clearing the data fields and values

described in Appendix C (Transaction Identification Requirements) for e-commerce Transactions

and Digital Secure Remote Payment Transactions containing UCAF data.

In India, Bangladesh, and Malaysia, the Rule on this subject is modified as follows.

Each Acquirer and each Merchant must request Cardholder authentication using EMV 3DS and

comply with the requirements set forth in the Identity Check authentication program.

In Australia, the Rule on this subject is modified as follows.

An Acquirer must ensure that each of its Merchants:

• Prominently and clearly discloses to the Cardholder the Merchant’s participation in least cost

routing prior to the request to capture or for authorization to store the Cardholder’s Debit

Mastercard Account data. To maintain visual parity, such disclosure must be a least as

prominent as, and appear in at least the same size as surrounding content.

• Present Mastercard as a payment option to the Cardholder in accordance with the

Standards, irrespective of whether the Transaction is routed or processed through the

Interchange System.

5.1.2 Issuer Requirements

An Issuer must technically support in authorization and clearing the data fields and values

described in Appendix C (Transaction Identification Requirements) for e-commerce Transactions

and Digital Secure Remote Payment Transactions containing UCAF data.

The requirement either to verify the validity of the AAV when present in DE 48, subelement 43

of the authorization request message or to participate in the Mastercard Identity Check AAV

Verification Service does not apply to an Issuer in China.

In India, Singapore, Bangladesh, and Malaysia, the Rule on this subject is modified as follows.

An Issuer must support EMV 3DS and respond to a Cardholder authentication request using a

solution that is compliant with the Identity Check authentication program requirements.

5.2 Mail Order and Telephone Order (MO/TO) Transactions

In India, the Rule on this subject, as it pertains to Intracountry mail order and phone order

(including Integrated Voice Response or IVR) Transactions (“MO/TO” Transactions), is modified

as follows.

1. Mail order and phone order Transactions effected at a Merchant located in India with a

Mastercard Card issued in India must be authenticated. An authenticated Transaction

occurs when:

a. The Merchant is Universal Cardholder Authentication Field (UCAF)-enabled;

b. The Issuer provided the UCAF data for that Transaction;

c. All other authorization and clearing requirements applicable to the Transaction were

satisfied; and

Card-Not-Present Transactions

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d. The Authorization Request Response/0110 message reflected the Issuer’s approval of

the Transaction.

2. Each IVR Transaction enabled using Mastercard Identity Check must contain a value of 2

(Identity Check phone order) in DE 61 (point-of-service [POS] Data), subfield 7 (POS

Transaction Status) of the Authorization Request/0100 message.

3. Each Issuer and MO/TO Transaction Acquirer participating in the Mastercard Assurance

Service must register with the Corporation. Each mail order and phone order (including IVR)

Transaction enabled using the Mastercard Assurance Service must contain a value of 6

(UCAF Control Byte) in DE 48, subelement 43, position 1, and a value of MAS in DE 124 of

the Authorization Request/0100 message. For additional information, please contact

south_asia_ops@mastercard.com.

4. An Issuer may not use message reason codes 4837, 4849 or 4863 to charge back a mail

order or phone order (including IVR) Transaction that occurs at a Merchant located in India,

if:

a. The Merchant is UCAF-enabled;

b. The Issuer provided the UCAF for that Transaction;

c. All other phone order authorization and clearing requirements were satisfied, including

the presence of:

i. A value of 2 (Identity Check phone order) in DE 61 (Point-of-Service [POS] Data),

subfield 7 (POS Transaction Status) of the Authorization Request/0100 message

for IVR Transactions enabled with Mastercard Identity Check; or

ii. A value of 6 (UCAF Control Byte) in DE 48, subelement 43, position 1, and a value of

MAS in DE 124 of the Authorization Request/0100 message for mail order, phone

order, or IVR Transactions enabled with the Mastercard Assurance Service.

d. The Authorization Request Response/0110 message reflected the Issuer’s approval of

the Transaction.

5. Each Issuer and IVR Transaction Acquirer must participate in the Activation During Shopping

(ADS) method of cardholder enrollment in Mastercard Identity Check. Cardholders must

complete enrollment on the first attempt, and the Issuer must not permit a Cardholder to

opt-out of the enrollment process.

6. Each Issuer and mail order and phone order (including IVR) Transaction Acquirer that wishes

to participate in the Mastercard Assurance Service must register with the Corporation.

5.3 Credential-on-File Transactions

In Japan, the Rule on this subject is modified as follows.

For Acquirers in Japan, for authorization, a Credential-on-file Transaction may contain the

Credential-on-file indicator, which is a value of 10 (Credential on File) in DE 22 (Point-of-Service

Entry Mode), subfield 1 (POS Terminal PAN Entry).

For Acquirers in Japan, for clearing, a Credential-on-file Transaction may contain the Credential-

on-file indicator, which is a value of 7 (Credential on File) in DE 22 (Point-of-Service Entry

Mode), subfield 7 (Card Data Input Mode).

In Australia, the Rule on this subject is modified as follows.

Card-Not-Present Transactions

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An Acquirer must ensure that each of its Merchants:

• Prominently and clearly discloses to the Cardholder the Merchant’s participation in least cost

routing prior to the request to capture or for authorization to store the Cardholder’s Debit

Mastercard Account data. To maintain visual parity, such disclosure must be a least as

prominent as, and appear in at least the same size as surrounding content.

• Present Mastercard as a payment option to the Cardholder in accordance with the

Standards, irrespective of whether the Transaction is routed or processed through the

Interchange System.

• Must give at least 7 days notice to the Cardholder to exercise consumer choice in the event

that the recurring transaction routing option is different from the Cardholder's last

confirmation of checkout choice.

An Acquirer must ensure, within 30 days of when a Merchant begins participating in least cost

routing, subsequent to the time of the Merchant’s initial request for authorization to store the

Cardholder’s Debit Mastercard Account data, that the Merchant prominently and clearly

discloses to the Cardholder the Merchant’s participation in least cost routing as set forth above.

5.4 Credential-on-File Transactions

5.4.2 China Domestic Recurring Payment Transactions

Each Acquirer of China domestic Transactions must comply with all requirements set forth in

the Standards applicable to recurring payment Transactions, including the requirements in this

manual, in the China Switch Specifications for authorization messages, and in the China

Recurring Transaction Program Guide.

5.4.2.1 Transaction Requirements for Acquirers

Adding a New Recurring Payment Series

The Acquirer must secure approval from Issuer for the recurring payment series prior to the

initial recurring payment Transaction via the entrusted relation related messages as described in

China Switch Specifications.

The Acquirer must include the China Recurring Payment Transaction – Recurring Payment Terms

via Data Element 112 (Additional Data [China Use]) Subelement 37 (Delegated Business

Information) when requesting to add a new recurring payment series.

The Acquirer may only put a credential on file for recurring payment Transactions if the Issuer

approves the request to add a new recurring payment series. The Acquirer must not submit the

recurring payment Transaction if the Issuer declines the request to add a new recurring payment

series.

The Acquirer must identify each request to add a new recurring payment series with the

following values:

Card-Not-Present Transactions

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Data Elements Subelement Value

4 (Amount, Transaction) 0

25 (Point of Service Condition

Code)

98 (Entrusted Relation

Establishment)

61 (Point-of-Service [POS] Data) 1 (POS Terminal Attendance) One of the following:

• 0 (Attended Terminal)

• 1 (Unattended Terminal

(Cardholder-activated

Terminal [CAT], home PC,

mobile phone, personal digital

assistant [PDA]))

• 2 (No Terminal used (voice/

audio response unit [ARU]

authorization); server])

61 (Point-of-Service [POS] Data) 4 (POS Cardholder Presence) One of the following:

• 0 (Cardholder present)

• 5 (Cardholder not present

(Electronic order [home PC,

Internet, mobile phone,

PDA]))

61 (Point-of-Service [POS] Data) 5 (POS Card Presence) One of the following:

• 0 (Card present)

• 1 (Card not present)

61 (Point-of-Service [POS] Data) 7 (POS Transaction Status) 8 (Account Verification Service)

112 (Additional Data [China

Use])

37 (Delegated Business

Information)

All subfields must appear

Processing of Recurring Payment Transactions

The Acquirer must verify the China Recurring Payment Transaction – Recurring Payment Terms

before sending a recurring payment Transaction to the China Switch. If the China Recurring

Payment Transaction – Recurring Payment Terms are not consistent with the Cardholder

consent, the Acquirer must not submit the Transaction to the China Switch. If the Recurring

Payment Terms are consistent with the Cardholder consent, the Acquirer must populate the

China Recurring Payment Transaction – Recurring Payment Terms in Data Element 112

(Additional Data [China Use]) Subelement 37 (Delegated Business Information).

The Acquirer must identify each recurring payment Transaction with the following values:

Card-Not-Present Transactions

5.4.2.1 Transaction Requirements for Acquirers

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200

Data Elements Subfield Value

22 (Point-of-Service [POS] Entry

Mode)

1 (POS Terminal PAN Entry

Mode)

10 (Credential on File)

61 (Point-of-Service [POS] Data) 1 (POS Terminal Attendance) One of the following:

• (Unattended Terminal

(Cardholder-activated

Terminal [CAT], home PC,

mobile phone, personal digital

assistant [PDA]))

• 2 (No Terminal used (voice/

audio response unit [ARU]

authorization; server))

61 (Point-of-Service [POS] Data) 4 (POS Cardholder Presence) 4 (Standing order/recurring

Transactions)

61 (Point-of-Service [POS] Data) 5 (POS Card Presence) 1 (Card Not Present)

61 (Point-of-Service [POS] Data) 7 (POS Transaction Status) 0 (Normal Request)

61 (Point-of-Service [POS] Data) 10 (Cardholder-activated

Terminal Level)

0 (Not a CAT Transaction)

61 (Point-of-Service [POS] Data) 11 (POS Card Data Terminal

Input Capability Indicator)

6 (Key entry only)

112 (Additional Data [China

Use])

37 (Delegated Business

Information)

Subfields 01, 02, 03, 04, 05 and

11 must appear

5.4.2.2 Transaction Requirement for Issuers

Adding a New Recurring Payment Series

The Issuer must secure Cardholder consent for the below China Recurring Payment Transaction

– Recurring Payment Terms before the completion of the initial recurring payment Transaction:

• Card Acceptor Name

• Merchandise or service

• Payment account

• Recurring frequency or condition

• End date (if applicable)

The Issuer must provide a service to the Cardholder to query and manage the consented

recurring payment series.

Processing of Recurring Payment Transactions

The Issuer must verify the China Recurring Payment Transaction – Recurring Payment Terms for

each recurring payment Transaction. The Issuer must decline the recurring payment Transaction

Card-Not-Present Transactions

5.4.2.2 Transaction Requirement for Issuers

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if the China Recurring Payment Transaction – Recurring Payment Terms is inconsistent with the

Cardholder consent.

5.5 Installment Billing

5.5.1 Single-Authorization Installment Billing

5.5.1.2 Transaction Processing Procedures

Effective 3 April 2024 for India Domestic Transactions, the Rule on this subject is modified as

follows.

For Transactions completed with electronically recorded Card information (whether Card-read

or key-entered) or manually recorded Card information (whether imprinted or handwritten), the

first installment must be processed within four days of the Transaction date.

5.7 Use of Automatic Billing Updater

In the Asia/Pacific Region, each Issuer must comply and each Acquirer may comply with the ABU

requirements set forth in this chapter.

5.9 Merchant-initiated Transactions

In Japan, the Rule on this subject is modified as follows.

For Acquirers in Japan, a Merchant-initiated Transaction may contain the applicable MIT

indicator value as described in Appendix C.

Canada Region

The following modifications to the Rules apply in the Canada Region. Refer to Appendix A for

the Canada Region geographic listing.

5.7 Use of Automatic Billing Updater

Each Issuer and Acquirer in the Canada Region must comply with the ABU requirements set

forth in this chapter.

Europe Region

The following modifications to the Rules apply in the Europe Region or in a particular Region

country or countries. Refer to Appendix A for the Europe Region, Non-Single European Payments

Area (Non-SEPA) and Single European Payments Area (SEPA) geographic listing.

5.1 Electronic Commerce Transactions

Card-Not-Present Transactions

5.5 Installment Billing

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5.1.1 Acquirer and Merchant Requirements

In the EEA, the Rule on this subject is modified as follows.

An Acquirer must technically support the authorization and clearing of the data fields and

values described in Appendix C, Transaction Identification Requirements, for e-commerce

Transactions and Digital Secure Remote Payment Transactions containing UCAF data, if the

Transactions are processed via the Interchange System. If the Transactions are processed via an

alternative switch, the Acquirer must populate the corresponding data fields in authorization

and clearing messages with the values specified by the alternative switch.

For Maestro e-commerce Transactions, the Acquirer and Merchant must be capable of sending

the full unaltered PAN to the registered switch of the Acquirer’s choice.

In Hungary, the following additional Rule applies.

An Acquirer of e-commerce Merchants located in Hungary must ensure that 90% of its e-

commerce Intracountry Transactions originate from Merchants that provide Cardholders the

option to save Mastercard and Maestro Account data on file, and to use the previously saved

Account data to perform a Credential-on-file (COF) Transaction. Tokenized and non-tokenized

data storage solutions qualify to show compliance with this requirement.

Compliance is calculated on a quarterly basis and is measured at authorization level. Effective

from 1 January 2023, in any given quarter, 65% of an Acquirer’s e-commerce Intracountry

Transactions must originate from Merchants that are COF-enabled. From 30 June 2023 in any

given quarter, 90% of an Acquirer’s e-commerce Intracountry Transactions must originate from

Merchants that are COF-enabled. A Merchant is COF-enabled if it has at least one Transaction

in the corresponding quarter that carries the Credential-on File indicator or a WID of 327.

An Acquirer must ensure that its e-commerce Merchants in Hungary offer to Cardholders a

method to provide the initial consent to the Merchant and/or its agent to store the Mastercard

or Maestro Account data on file, either in advance of or when carrying out the first Transaction

with the Merchant. The Merchant must also provide a process for deleting and updating

previously saved credentials.

SCA Requirements

The following Rules apply to Intracountry and Cross-border Transactions within and between

SCA Countries.

Authentication Amount

The authentication amount for a Remote Electronic Transaction must be an amount that the

Cardholder would reasonably expect and the authentication must use the same currency as the

authorization.

As a best practice, in the UK and Gibraltar, the total Transaction amount of all authorizations

that relate to a Remote Electronic Transaction should not exceed the authentication amount for

the Transaction by more than 20 percent (20%). If the Transaction amount is not known in

advance, the authentication amount must be an amount that the Cardholder would reasonably

expect (e.g., within a tolerance of 20 percent [20%]). In this case, if the authorization amount

exceeds the authenticated amount by more than 20 percent (20%), it is recommended that the

Card-Not-Present Transactions

5.1.1 Acquirer and Merchant Requirements

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Merchant treat the incremental amount compared to the authenticated amount as a separate

Transaction. Transactions will require separate SCA unless an exemption applies or unless they

are handled as Merchant-initiated Transactions. If the Transaction amount exceeds the

Cardholder’s reasonable expectations, the refund right for authorized transactions may apply as

provided for in applicable legislation.

This Rule does not apply to recurring payment Transactions.

Attempt to Authenticate Following Soft Decline

In response to a decline of a Remote Electronic Transaction in which the Issuer indicates that

SCA is required, a Merchant must attempt EMV 3DS authentication with the 3DS Requestor

Challenge Indicator set to 04 (Challenge requested: Mandate) or use an alternative technical

SCA solution. Until such time as all Issuers support the response code that indicates that SCA is

required, a Merchant is advised always to send an authentication request following an

authorization that is declined for non-financial and non-technical reasons.

Secure Corporate Payments

When an authentication or an authorization is flagged as a Secure Corporate Payment, the

Acquirer must ensure that the Transaction meets the requirements set out in applicable

regulation for application of the Secure Corporate Payment exemption.

5.1.2 Issuer Requirements

In the Europe Region, the Rule on this subject is modified as follows.

1. An Issuer must allow its Cardholders to engage in Maestro e-commerce Transactions on any

Maestro Card except a prepaid Card.

2. An Issuer in Italy or San Marino must allow its Cardholders to engage in e-commerce

Transactions using a Debit Card bearing the Debit Mastercard brand or the Maestro brand.

3. An Issuer in Albania, Austria, Bosnia, Bulgaria, Croatia, Czech Republic, Hungary, Israel,

Kosovo, Montenegro, North Macedonia, Poland, Romania, Serbia, Slovakia, or Slovenia must

not participate in the Activation During Shopping (ADS) method of Cardholder enrollment

in Mastercard Identity Check in a manner that would require the Cardholder to manually

input any personal data, including a user name and/or password. An Issuer may require a

Cardholder to confirm acceptance of Mastercard Identity Check terms and conditions

and/or acknowledgment of service activation by clicking a button. This Cardholder

confirmation must be limited to a single click and a single screen in the whole process.

4. An Issuer must technically support the authorization and clearing of the data fields and

values described in Appendix C, Transaction Identification Requirements, for e-commerce

Transactions and Digital Secure Remote Payment Transactions containing UCAF data, if the

Transactions are processed via the Interchange System. If the Transactions are processed

via an alternative switch, the Issuer must technically support the corresponding data fields

and values specified by the alternative switch.

In the EEA, UK, and Gibraltar, the Rule on this subject is modified as follows.

The UCAF field must be identified as specified by the registered switch of the Customer's

choice.

Card-Not-Present Transactions

5.1.2 Issuer Requirements

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SCA Requirements

The following Rule applies for Intracountry and Cross-border Transactions within and between

SCA Countries.

An Issuer located in an SCA Country must decline authorization of a Remote Electronic

Transaction using the "soft decline" response code defined by the registered switch of its choice,

if SCA is required and is missing. In response to a CNP authorization request, an Issuer must not

use the "soft decline" response code for any reason other than requesting SCA. An Issuer must

not use this response code if an authorization request is flagged as "fully authenticated."

An Issuer must not challenge more than 5 percent of all authentication requests carrying an

Acquirer exemption or exclusion flag unless there is material risk of fraud, and an Issuer that has

not opted out of the Authentication Express program must not challenge more than 5 percent

of all authentication requests carrying a SCA delegation flag unless there is material risk of

fraud.

5.1.3 Use of Static AAV for Card-not-present Transactions

In Belgium, an Issuer of Maestro Cards must technically support Card-not-present Transactions

that contain a value of 3 in DE 48 (Additional Data - Private Use), subelement 43 (Static AAV),

position 1 of Authorization Request/0100 messages. The Issuer must make individual

authorization decisions and must not automatically decline authorization of Card-not-present

Transactions containing these values. In Belgium, an Issuer must technically support the DOLM

Program coding included in AN 4727 Revised Standards for the Withdrawal of Special Maestro

Recurring Payments Programs in Europe Region and Introduction of DOLM in Belgium.

The static AAV must be provided in authorization messages in the field and with the values

specified by the registered switch of the Customer's choice.

5.2 Mail Order and Telephone Order (MO/TO) Maestro Transactions

In the Europe Region, the Rule on this subject is modified as follows.

5.2.1 Definitions

Solely within the Europe Region, the following terms have the meanings set forth below:

Address Verification Service (AVS)

A process whereby the Issuer checks the address given for a Card-not-present Transaction. For

more information on AVS participation and message requirements, refer to Chapter 5 of the

Customer Interface Specification manual and Chapter 8 of the Authorization Manual.

Cardholder Authority

A Cardholder’s instructions requesting a Merchant to perform a CNP

Transaction.

CVC 2/AVS Check

Automated verification by the Issuer of the Card Validation Code (CVC) 2

and address details provided for a CNP Transaction.

Mail Order Transaction A CNP Transaction for which the Cardholder provides a written

Cardholder Authority.

Card-Not-Present Transactions

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Phone Order Transaction,

Telephone Order Transaction

A CNP Transaction for which the Cardholder provides a

Cardholder Authority through the telephone system.

An Acquirer in Ireland or France that acquires intracountry MO/TO transactions under other

debit brands must also acquire MO/TO Transactions under the Maestro brand.

Merchants located in Europe Region countries designated by the Corporation may at their

option offer MO/TO Transactions on Maestro Cards issued in the same country. Merchants in

Ireland, Turkey, and France may offer this option.

The Rules for Maestro MO/TO Transactions are the same as those for Maestro face-to-face

POS Transactions except that:

1. A MO/TO Transaction must have its own unique Cardholder Authority.

2. Merchants must collect and transmit CVC 2 for all MO/TO Transactions. AVS checking is

optional.

3. Merchants must not present the Transaction until the products or services are ready to be

dispatched.

4. If the Merchant does not give the Cardholder the Transaction receipt or the products and/or

services upon completion of the Transaction, then they must be either delivered to the

Cardholder by a method chosen at the Merchant’s discretion or collected by the Cardholder.

5.2.2 Intracountry Maestro MO/TO Transactions—Cardholder Authority

For a Maestro Mail Order Transaction, a document signed by the Cardholder or a document

which the Acquirer considers to be acceptable in lieu of a signed document (for example, an

authority sent by facsimile transmission).

For a Maestro Telephone Order Transaction:

1. Either instructions given over the telephone by the Cardholder to the Merchant, either to the

Merchant’s staff or to equipment operated by the Merchant (for example, an interactive

voice system), or instructions given over the telephone by means of a text message from the

Cardholder to the Merchant, via equipment operated by the Merchant; and

2. The date on which the Cardholder gave her/his authority.

5.2.3 Intracountry Maestro MO/TO Transactions—Transactions Per Cardholder Authority

A Cardholder Authority must contain:

1. The Card’s PAN, expiry date, and CVC 2;

2. The Cardholder’s name and home address (including postcode);

3. The Transaction amount (including postage and packaging);

4. If products or services are to be delivered, the delivery address, and if the goods/services are

to be delivered to or collected by a third party, the third party’s name.

5.2.4 Intracountry Maestro MO/TO Transactions—CVC 2/AVS Checks

The following applies where the Merchant carries out AVS checking and for CVC 2 checks:

1. The Cardholder authority must include the CVC 2 shown on the Cardholder’s Card.

Card-Not-Present Transactions

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2. When entering the Transaction, the Merchant must key in the CVC 2 and numeric data in

the Cardholder’s address and postcode.

3. Online authorization must be sought for the Transaction.

4. The Acquirer must attempt to send the authorization request to the Issuer accompanied by

the data referred to in paragraph 2 above.

When the Issuer’s authorization response is an approval, the Issuer must accompany its

response with an indication as to whether:

• The address, postcode, and CVC 2 data provided matches information held in its own

records;

• The address, postcode, and CVC 2 data does not match information held in its own records;

• The address and postcode data provided have not been checked; or

• The address, postcode, and CVC 2 data has not been supplied.

When the Acquirer sends a response to the authorization request to the Merchant’s POS

Terminal, the message must include the Issuer’s CVC 2 and AVS responses.

The Merchant must not re-use the CVC 2 or retain the CVC 2 in any manner for any purpose.

The CVC 2 on a Cardholder authority for a Mail Order Transaction must be rendered unreadable

prior to storage.

5.3 Credential-on-File Transactions

In the EEA, UK and Gibraltar, the Rule on this subject is modified as follows.

Credential-on-file Transactions must be identified in authorization and clearing messages as

specified by the registered switch of the Customer's choice.

5.4 Recurring Payment Transactions

In Belgium, the Rule on this subject is modified as follows.

A Merchant with Transactions processed by an Acquirer located in the EEA, UK, or Gibraltar may

submit Maestro recurring payment Transactions on a Card issued under a Maestro BIN assigned

for Belgium, using a risk-based authentication approach in accordance with the Debit Online

Low Risk Merchant (DOLM) program requirements.

The Acquirer located in the EEA, UK, or Gibraltar must ensure that the Merchant is properly

registered for DOLM before using a Mastercard-assigned Merchant ID and static AAV on

Transactions completed on Maestro Cards issued in Belgium.

An Acquirer must ensure that a Merchant not registered for DOLM does not use the DOLM

Transaction coding set out in DOLM program documentation.

An Issuer must:

1. Permit its Cardholders to perform recurring payment Transactions on all Maestro Cards

except prepaid Maestro Cards. For prepaid Maestro Cards, it is strongly recommended that

an Issuer allow its Cardholders to perform recurring payment Transactions; and

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2. Recognize all properly identified recurring payment Transactions, including the identification

of the first payment as either a face-to-face recurring payment Transaction or as an e-

commerce recurring payment Transaction, depending on the environment in which the

recurring payment arrangement is initiated.

In France, Germany, Hungary, Ireland, Poland, Romania, Ukraine, and the United Kingdom, the

Rule on this subject, as it applies to Domestic recurring payment Transactions, is modified as

follows:

1. It is recommended that an Acquirer ensure that a Merchant only includes the Card

expiration date in the first Transaction of a recurring payment arrangement involving a

particular Mastercard or Maestro Account number. Mastercard further recommends that

the Card's expiration date not be included in any subsequent recurring payment Transaction

authorization requests involving the same PAN. An Issuer must not decline a non-face-to-

face recurring payment Transaction from a Merchant solely on the basis of missing Card

expiration date information.

2. If a recurring payment Transaction authorization request is declined by the Issuer, the

Acquirer must ensure that the Merchant resubmits the Transaction no more than once per

day for a maximum of 31 consecutive days until the Transaction is approved by the Issuer.

For recurring payment Transactions relating to a bill invoiced to the Cardholder, it is

recommended that in the First Presentment/1240 message, the Merchant name in DE 43

subfield 1 be followed by a space, the word "BILL" or the local language equivalent, a space, and

the bill reference number.

In the EEA, UK and Gibraltar, the Rule on this subject is modified as follows.

Recurring payment Transactions must be identified in authorization messages as specified by

the registered switch of the Customer’s choice. If provided, the Merchant advice code must be

provided in the field and with the value specified by the registered switch of the Customer's

choice.

SCA Requirements

The following Rules apply to Intracountry and Cross-border Transactions within and between

SCA Countries.

SCA is required on the initial authorization in a recurring payment arrangement, unless the

initial authorization takes place as MO/TO (if allowed by local authorities).

The initial authorization (either authorization request or account status inquiry) in a recurring

payment arrangement must be identified as a recurring payment using the appropriate values

in the fields specified by the registered switch of the Customer’s choice. As an exception to the

preceding Rule, if the initial authorization is a MO/TO transaction, it must be identified as either

mail order or telephone order, and not as a recurring payment.

An Acquirer must provide the unique Trace ID from the initial recurring payment authorization

response in the appropriate field of a subsequent recurring payment authorization request, as

specified by the registered switch of its choice.

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If the initial authorization took place as MO/TO (if allowed by local authorities), or occurred

before 14 September 2020, then the Trace ID may be populated with a default value as

specified by the registered switch of the Acquirer's choice.

Alternatively, if the initial authorization occurred before 14 September 2020, the Acquirer may

provide the Trace ID of any other authorization belonging to that same recurring payment

arrangement, provided that this authorization took place before 14 September 2020.

The Trace ID will be considered the reference to the first transaction of that series of recurring

transactions mandate that the Cardholder authenticated.

The Issuer must be able to use the Trace ID provided in the authorization message of a

subsequent recurring payment to retrieve and confirm the original recurring payment

transaction.

5.5 Installment Billing

In the Europe Region countries where the Mastercard installment billing service is supported, the

Rule on this subject is modified as follows.

In participating countries in the Europe Region, installment billing is not limited to Domestic

Transactions only. As an exception to the foregoing, installment billing in Russia is initially limited

to Domestic Transactions. Acquirers and Issuers that wish to support installment billing on

Cross-border Transactions are advised to carry out all necessary and appropriate legal

verifications before implementing the service.

Within a single country, only one option may be supported, either Issuer-financed installment

billing or Acquirer-financed installment billing, unless otherwise noted. The Rules in this section

apply to both options unless otherwise specified.

Merchant-financed installment billing is in place in Greece. Refer to the Domestic Rules folder on

Mastercard Connect

for further information.

Issuer-financed installment billing is in place in the following countries:

• Czech Republic

• Hungary

• Ireland

• Poland

• Romania

• Russia

• Slovakia

• Slovenia

• Ukraine

• United Kingdom

The installment billing service is available in both face-to-face and non-face-to-face

environments and for Mastercard, Debit Mastercard, and Maestro Card payments, except in the

Czech Republic, Hungary, Ireland, Poland, Russia and Ukraine, where support of installment

billing on Maestro is not required.

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Issuer-financed Installment Billing

A participating Issuer must clearly inform its Cardholders of the terms and conditions applicable

to installment billing, the Card products that are eligible for installment billing, installment

transaction fees, and outstanding amounts in connection with installment transactions

performed by a Cardholder.

In the Czech Republic, Hungary, Poland, Russia, Slovakia, Slovenia, Ukraine, and the United

Kingdom, an Issuer that wishes to participate in the installment billing service must register for

"Mastercard POS Enabled Installments" via Mastercard Connect. Except in Russia, where there

is no impact to the authorization message, the Issuer must be able to support the enhanced

authorization request and response messages aimed at receiving and sending sufficient

information on payment options and installment parameters to the POI. A participating Issuer

must be able to split and post the billing of the Transaction amount to the Cardholder's Account

according to the option selected at the POI.

Acceptance Mark

The Acquirer must ensure that a Merchant in the Czech Republic, Hungary, Poland, Romania,

Russia, Slovakia, Slovenia, or Ukraine that participates in the Mastercard installment billing

service displays the special MC Installments mark at the POI.

Merchant Support - Czech Republic, Hungary, Poland, and Ukraine

The Acquirer of a Merchant identified with an MCC not contained in the Merchant Exclusions

section must ensure that the Mastercard installment billing service is supported at all POS

Terminals and Card-not-present acceptance locations of the Merchant in the specific country, as

applicable. At Cardholder-activated Terminals, support for the Mastercard installment billing

service is a recommendation and not a requirement.

Merchant Support - Romania Only

The Acquirer of a Merchant in Romania identified with an MCC in the following list must ensure

that the Mastercard installment billing service is supported at all newly deployed POS Terminals

and new Card-not-present acceptance locations of the Merchant, as applicable.

The Acquirer of a Merchant in Romania identified with an MCC in the following list must ensure

that the Mastercard installment billing service is supported at all POS Terminals and Card-not-

present acceptance locations of the Merchant, as applicable.

MCC and Description

0742 Veterinary Services 5732 Electronic Sales

0780 Horticultural and Landscaping Services 5733 Music Stores - Musical Instruments, Pianos,

Sheet Music

1711 Air Conditioning, Heating, and Plumbing

Contractors

5734 Computer Software Stores

1731 Electrical Contractors 5921 Package Stores, Beer, Wine, Liquor

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MCC and Description MCC and Description

1750 Carpentry Contractors 5932 Antique Shops - Sales, Repairs, and

Restoration Services

1771 Concrete Work Contractors 5940 Bicycle Shops - Sales and Service

3297 Tarom Romanian Air Transport 5941 Sporting Goods Stores

4511 Air Carriers, Airlines - not elsewhere classified 5944 Clock, Jewelry, Watch, and Silverware Store

4722 Travel Agencies and Tour Operators 5945 Game, Toy, and Hobby Shops

4812 Telecommunication Equipment Including

Telephone Sales

5946 Camera and Photographic Supply Stores

4816 Computer Network/Information Services 5948 Leather Goods and Luggage Stores

5013 Motor Vehicle Supplies and New Parts 5965 Direct Marketing - Combination Catalog and

Retail Merchants

5021 Office and Commercial Furniture 5969 Direct Marketing - Other Direct Marketers -

not elsewhere classified

5039 Construction Materials - not elsewhere

classified

5971 Art Dealers and Galleries

5044 Office, Photographic, Photocopy, and

Microfilm Equipment

5975 Hearing Aids - Sales, Service, Supply Stores

5045 Computers, Computer Peripheral Equipment,

Software

5976 Orthopedic Goods - Artificial Limb Stores

5047 Dental/Laboratory/Medical/Ophthalmic

Hospital Equipment and Supplies

5977 Cosmetic Stores

5065 Electrical Parts and Equipment 5983 Fuel Dealers - Coal, Fuel Oil, Liquified

Petroleum, Wood

5072 Hardware Equipment and Supplies 5999 Miscellaneous and Specialty Retail Stores

5074 Plumbing and Heating Equipment 6300 Insurance Sales, Underwriting, and Premiums

5094 Precious Stones and Metals, Watches and

Jewelry

7032 Recreational and Sporting Camps

5111 Stationery, Office Supplies, Printing and

Writing Paper

7298 Health and Beauty Spas

5137 Men's, Women's, and Children's Uniforms

and Commercial Clothing

7372 Computer Programming, Data Processing,

and Integrated Systems Design Services

5139 Commercial Footwear 7379 Computer Maintenance, Repair, and Services

- not elsewhere classified

5198 Paints, Varnishes, and Supplies 7395 Photo Developing, Photofinishing

Laboratories

5200 Home Supply Warehouse Stores 7531 Automotive Body Repair Shops

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MCC and Description MCC and Description

5211 Building Materials, Lumber Stores 7534 Tire Retreading and Repair Shops

5231 Glass, Paint, Wallpaper Stores 7538 Automotive Service Shops

5251 Hardware Stores 7622 Electronic Repair Shops

5511 Automobile and Truck Dealers - Sales,

Service, Repairs, Parts, and Leasing

7699 Miscellaneous Repair Shops and Related

Services

5521 Automobile And Truck Dealers - (Used Only) -

Sales

7991 Tourist Attractions and Exhibits

5532 Automotive Tire Stores 7997 Clubs - Country Clubs, Membership (Athletic,

Recreation, Sports), Private Golf Courses

5533 Automotive Parts, Accessories Stores 7999 Recreation Services - not elsewhere classified

5571 Motorcycle Shops and Dealers 8011 Doctors - not elsewhere classified

5599 Miscellaneous Automotive, Aircraft, and

Farm Equipment Dealers - not elsewhere classified

8021 Dentists, Orthodontists

5611 Men's and Boy's Clothing And Accessories

Stores

8042 Optometrists, Ophthalmologists

5621 Women's Ready To Wear Stores 8043 Opticians, Optical Goods, and Eyeglasses

5631 Women's Accessory And Specialty Stores 8049 Chiropodists, Podiatrists

5641 Children's and Infant's Wear Stores 8050 Nursing and Personal Care Facilities

5651 Family Clothing Stores 8062 Hospitals

5655 Sports Apparel, Riding Apparel Stores 8071 Dental and Medical Laboratories

5661 Shoe Stores 8099 Health Practitioners, Medical Services - not

elsewhere classified

5681 Furriers and Fur Shops 8211 Schools, Elementary and Secondary

5691 Men's and Women's Clothing Stores 8220 Colleges, Universities, Professional Schools,

and Junior Colleges

5699 Accessory and Apparel Stores - Miscellaneous 8249 Schools, Trade and Vocational

5712 Equipment, Furniture, and Home Furnishings

Stores (except Appliances)

8299 Schools and Educational Services - not

elsewhere classified

5713 Floor Covering Stores 8351 Child Care Services

5714 Drapery, Upholstery, and Window Coverings

Stores

9222 Fines

5719 Miscellaneous House Furnishing Specialty

Shops

9311 Tax Payments

5722 Household Appliance Stores

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Merchant Support - Slovakia and Slovenia Only

The Acquirer of a Merchant in Slovakia or Slovenia identified with an MCC not contained in the

Merchant Exclusions section must ensure that the Mastercard installment billing service is

supported at all POS Terminals and Card-not-present acceptance locations of the Merchant, as

applicable. At Cardholder-activated Terminals (CATs), support for the Mastercard installment

billing service is a recommendation and not a requirement.

Merchant Support – Russia

In Russia, a Merchant that wishes to participate in installment billing must provide a minimum

of two months of free installments.

Exclusions

The Mastercard installment billing service is permitted only for purchases of goods and services.

It must not be offered on purchase with cash back Transactions.

Installments must not be offered if the clearing amount might not match the authorization

amount, for example in the case of a preauthorization or an incremental authorization, or if the

Transaction type does not require Cardholder involvement, such as a Merchant-initiated

Transaction or a recurring payment Transaction.

An Acquirer must not deploy installments-capable POS applications in an acceptance location

identified with one of the following MCCs:

• 4829 (Money Transfer - Merchant)

• 6010 (Manual Cash Disbursements - Customer Financial Institution)

• 6050 (Quasi-Cash - Customer Financial Institution)

• 6051 (Quasi-Cash - Merchant)

• 6532 (Payment Transaction - Customer Financial Institution)

• 6533 (Payment Transaction - Merchant)

• 6536 (MoneySend Intracountry)

• 6537 (MoneySend Intercountry)

• 6538 (MoneySend Funding)

• 6540 (POI Funding Transaction)

• 7995 (Gambling Transactions)

In Russia, the following additional MCCs are also excluded:

• 9311 Tax payments

• 9399 Government services - Not Elsewhere Classified

• 9211 Court Costs including Alimony and Child Support

• 9222 Fines

• 9223 Bail and Bond Payments

• 9402 Postal services - government only

• 8211 Schools, Elementary and Secondary

• 8220 Colleges, Universities, Professional Schools, and Junior Colleges

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• 8398 Charities

• 7995 Gambling Transactions

In the United Kingdom, the following additional MCCs are also excluded:

• 6011 (Automated Cash Disbursements - Customer Financial Institution)

• 8999 (Professional Services - not elsewhere classified)

• 9311 (Tax Payments)

In the Czech Republic and Hungary, the following additional MCCs are also excluded:

• 6011 (Automated Cash Disbursements - Customer Financial Institution)

• 9406 (Government-owned Lottery)

In addition, in Hungary, support for installment billing at Merchants identified with any of the

following MCCs is neither excluded nor mandatory:

MCC

Description

3000-3350 Airlines, Air Carriers

4111 Transportation-Suburban and Local Commuter Passenger, including Ferries

4112 Passenger Railways

4121 Limousines and Taxicabs

4225 Public Warehousing

4789 Transportation Services - Not Elsewhere Classified

5310 Discount Stores

5422 Freezer, Locker Meat Provisioners

5441 Candy, Nut, Confectionery Stores

5451 Dairy Products Stores

5462 Bakeries

5499 Miscellaneous Food Stores

5811 Caterers

5812 Eating Places, Restaurants

5813 Bars, Cocktail Lounges, Discotheques, Nightclubs and Taverns

5814 Fast Food Restaurants

5935 Salvage and Wrecking Yards

5942 Book Stores

5947 Gift Card, Novelty and Souvenir Shops

5963 Door-to-Door Sales

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MCC Description

5964 Direct Marketing-Catalog Merchants

5992 Florists

5993 Cigar Stores and Stands

5994 News Dealers and Newsstands

6012 Merchandise and Services - Customer Financial Institution

6211 Securities-Brokers/Dealers

7210 Cleaning, Garment, and Laundry Services

7211 Laundry Services-Family and Commercial

7216 Dry Cleaners

7273 Dating and Escort Services

7342 Exterminating and Disinfecting Services

7523 Automobile Parking Lots and Garages

7542 Car Washes

7829 Motion Picture and Video Tape Production and Distribution

7832 Motion Picture Theaters

7998 Aquariums, Dolphinariums, Zoos and Seaquariums

8041 Chiropractors

8241 Schools, Correspondence

In Poland, the following additional MCCs are also excluded:

MCC

Description

4784 Bridge and Road Fees, Tools

5541 Service Stations with or without Ancillary Service

5542 Fuel Dispenser, Automated

5812 Eating Places, Restaurants

5813 Bars, Cocktail Lounges, Discotheques, Nightclubs and Taverns

5814 Fast Food Restaurants

5933 Pawn Shops

5960 Direct Marketing - Insurance Services

5962 Direct Marketing-Travel Related Arrangement Services

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MCC Description

5964 Direct Marketing - Catalog Merchants

5965 Direct Marketing - Combination Catalog and Retail Merchants

5966 Direct Marketing - Outbound Telemarketing Merchants

5967 Direct Marketing - Inbound Telemarketing Merchants

5968 Direct Marketing - Continuity/Subscription Merchants

5969 Direct Marketing - Other Direct Marketers - Not Elsewhere Classified

6011 Automated Cash Disbursements - Customer Financial Institution

6012 Merchandise Services - Customer Financial Institutions

6211 Securities-Brokers/Dealers

7523 Automobile Parking Lots and Garages

9405 Intra-Government Purchases - Government Only

9406 Government-Owned Lottery (including totalizator sportowy in Poland)

In addition, in Poland, support for installment billing at Merchants identified with the following

MCCs is neither excluded nor mandatory:

MCC

Description

3000-3350 Airlines

4511 Air Carriers, Airlines - Not Elsewhere Classified

In Ukraine, the following additional MCCs are also excluded:

MCC

Description

5811 Caterers

5812 Eating Places, Restaurants

5813 Bar Lounge Disco Nightclub Tavern-Alcoholic Drinks

5814 Fast Food Restaurants

6011 Automated Cash Disbursements - Customer Financial Institution

6012 Merchandise and Services – Customer Financial Institution

6211 Securities-Brokers/Dealers

9311 Tax Payments

Card-Not-Present Transactions

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MCC Description

9399 Government Services - Not Elsewhere Classified

9402 Postal Services - Government Only

9405 Intra-Government Purchases - Government Only

9406 Government-Owned Lottery (Non–U.S.)

Transaction Amount

In Hungary, an Acquirer must enable the installment billing option only for Transaction amounts

above HUF 20,000.

In Poland, an Acquirer must enable the installment billing option only for Transaction amounts

above PLN 400. An Issuer must not set a different minimum amount.

In Ukraine, an Acquirer must enable the installment billing option only for Transaction amounts

above UAH 500. An Issuer may set a minimum above this amount, but not lower than this

amount.

In the United Kingdom, the minimum purchase amount above which installment billing may be

offered is GBP 150. An Issuer may set a minimum above this amount.

In the Czech Republic, the minimum purchase amount above which installment billing may be

offered is CZK 1500. An Issuer may set a minimum above this amount.

In Slovakia and Slovenia, the minimum purchase amount above which installment billing may

be offered is EUR 50. An Issuer may set a minimum above this amount.

Information Requirements

The Cardholder must be informed clearly of the installment terms before agreeing to the

installment billing arrangement. The required information includes the number, frequency, and

amount of the installments and any associated fees. The information may be provided via

screen messages on the POS terminal, or in another manner, provided that it is clear to the

Cardholder.

The POS terminal or electronic commerce payment page of a participating Merchant must

display both payment options - full payment and installment billing. If no selection is made then

"full payment" is the default option. In the installments section of the menu, the cardholder may

have the option to choose the number and/or frequency of installments (for example, between

two and 24 installments).

Model POS Terminal and e-commerce displays are provided in Appendix F of this manual.

In Russia, the Cardholder will be provided repayment options between 2 and 12 months.

In Poland, the Cardholder will be provided repayment options of 3, 6, or 12 months.

In Ukraine, the Issuer must present to the Cardholder a maximum of three repayment options,

for example, 3, 6, and 9 months, or 6, 9, and 12 months.

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In Hungary, the authorization request must not contain the installments indicator if the

currency is not HUF.

The authorization request response message must contain the following information, at a

minimum:

• Total amount due

• Installment amount

• Interest rate

• Installment fee or annual percentage rate (APR)

In Slovenia, the authorization request response message must contain the following

information, at a minimum:

• Total amount due

• Interest rate

• Installment fee

• Call center number

In Poland, the authorization request response message must contain three occurrences of the

following installment payment data, for each of 3, 6, and 12 months payments options:

• Number of installments (optional)

• Interest rate (optional)

• Installment fee (optional)

• Annual percentage rate (optional)

• First installment amount (mandatory)

• Subsequent installment amount (optional)

• Total amount due (must include data on the total cost of funding provided to the

Cardholder)

Transaction Receipt Contents

Transaction receipt contents must be in the local language, if the Card is issued in the

Merchant's country, and in English if the Card is issued in a different country.

In Russia, the receipt must be in Russian as installments are offered only on Domestic

Transactions.

The Transaction receipt or e-mail confirmation page must contain the additional information

listed below if the Cardholder has chosen installment billing and the authorization request has

been approved:

• Transaction type (Installment).

• If applicable, installment fee charged to the Cardholder for the transaction Total amount

charged to the cardholder (price of the product or service plus if applicable, installment

Transaction fee).

• Payment plan (information summarizing the number of installments and the amount of each

installment. If the amount of the first installment is different from the subsequent

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installment amounts, this must be clearly stated on the Transaction receipt or electronic

commerce payment page).

In Poland, the above information may be provided by the Issuer. In this case, the Transaction

receipt or e-mail confirmation page must contain a statement advising the Cardholder to

contact the Issuer for more information.

In Hungary, the Transaction receipt or e-mail confirmation page must additionally contain a

legend inviting the Cardholder to contact the Issuer for more information and a contact

telephone number.

In the Czech Republic and Slovakia, the Transaction receipt or e-mail confirmation page must

additionally contain a legend inviting the Cardholder to contact the Issuer for more information.

In Slovenia, the Transaction receipt or e-mail confirmation page must additionally contain the

interest rate and a contact telephone number.

In Ukraine, the Transaction receipt or e-mail confirmation page must additionally contain the

address of the Issuer's website.

Support for Transaction Identification

Each Issuer and Acquirer must technically support the proper coding for installment Transaction

authorization and clearing messages, as must each participating Merchant.

As an exception to the preceding Rule, in Ireland each Acquirer must support the offering of

installments by integrating with the Mastercard Installment Payment Service APIs, available

through the Mastercard Developer Zone. Support for installments is optional for Issuers and

Merchants in Ireland.

In Russia, the requirement to support proper coding applies only for clearing messages, which

must contain the installment data in PDS 181. This requirement applies to participating Issuers,

Acquirers and Merchants. Effective 1 January 2023, Issuers of more than 500,000 Mastercard

Credit Cards in the preceding year must technically support the offering of the installment

billing service.

In Slovakia and Slovenia, this requirement applies to all Acquirers, to all Merchants apart from

excluded Merchants and to participating Issuers.

In the Czech Republic, Hungary, Poland, Ukraine, and the United Kingdom, this requirement

applies to all Acquirers and to participating Issuers and Merchants.

If an Acquirer's Transaction volume in the country is below a threshold determined by the local

country management, support by that Acquirer for the Mastercard installment billing service is

recommended rather than required.

The requirement to technically support the proper coding of installment Transactions does not

apply to any Acquirer that acquires only Merchants at which support for installment billing is

excluded.

In participating countries in the EEA, the Rule on this subject is modified as follows.

Card-Not-Present Transactions

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Installment billing Transactions must be identified in authorization and clearing messages as

specified by the registered switch of the Customer's choice. If provided, the Merchant advice

code must be provided in the field and with the value specified by the registered switch of the

Customer's choice.

Chargeback Rules

For Issuer-financed installment billing, chargeback message reason code 4850 does not apply.

Authorization Processing

Offline processing is not allowed for installment Transactions. Installment Transactions are not

eligible for Stand-in or X-Code authorization processing. All installment authorization requests

must be approved or declined only by the Issuer.

In the EEA, UK or Gibraltar, the Rule on this subject is modified as follows.

The decline reason codes in the table contained in this Rule are replaced by the corresponding

reason codes specified by the registered switch of the Issuer's choice.

The Issuer must use the following decline response codes when appropriate, and the relevant

description must be reflected on the screen of the POS Terminal or the webpage for the

declined Transaction.

DE 39 (Response

Code) Description Reason

57 Transaction not permitted to

Cardholder

Invalid number of installments, issuer does not

offer Installment Transactions at all, or not for

this specific Cardholder

58 Transaction not permitted to Merchant Installment Transactions must not be initiated by

this Merchant (see "Excluded Transactions")

5.5.1 Single-Authorization Installment Billing

5.5.1.2 Transaction Processing Procedures

In the EEA, UK or Gibraltar, the Rule on this subject is modified as follows.

Installment billing Transactions must contain the required data in authorization and clearing

messages in accordance with the specifications of the registered switch of the Customer’s

choice.

5.5.2 Multiple-Authorization Installment Billing

Installment Payment Information

In the Europe Region, the Rule on this subject is modified as follows.

Card-Not-Present Transactions

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With respect to installment payments submitted by an Installment Provider, the MCC selected

by the Acquirer may describe the installment payment service rather than the primary business

of the retailer or the nature of the purchase.

5.6 Transit Transactions Performed for Debt Recovery

In the EEA, UK or Gibraltar, the Rule on this subject is modified as follows.

Transit Transactions performed for debt recovery must be identified in authorization messages

as specified by the registered switch of the Customer’s choice.

5.7 Use of Automatic Billing Updater

5.7.1 Issuer Requirements

ABU must be used for Mastercard and Maestro

Cards issued under a BIN or BIN range assigned

for

With the exception of the following types of

cards

Ireland Non-reloadable prepaid Mastercard Cards in the

BIN range of 539366 to 539585.

United Kingdom Both consumer and corporate prepaid Cards that

the Issuer does not permit to be used to enter into

recurring payment arrangements, and single-use-

only Virtual Accounts.

Italy Non-reloadable prepaid Cards, single-use-only

Virtual Accounts, and those Debit Mastercard

Cards or Maestro Cards that are not required to

be enabled for e-commerce.

Albania, Andorra, Armenia, Austria, Azerbaijan,

Belarus, Belgium, Bosnia, Bulgaria, Croatia, Czech

Republic, Denmark, Estonia, Finland, France,

Georgia, Gibraltar, Greece, Iceland, Kazakhstan,

Kosovo, Kyrgyzstan, Latvia, Lithuania, Luxembourg,

Moldova, Montenegro, Netherlands, North

Macedonia, Norway, Poland, Portugal, Romania,

Russia, Serbia, Slovakia, Slovenia, Spain, Sweden,

San Marino, Tajikistan, Turkmenistan, Ukraine,

Uzbekistan, and Vatican City

Non-reloadable prepaid Cards, prepaid Cards that

the Issuer does not permit to be used to enter into

recurring payment arrangements, and single-use-

only Virtual Accounts.

Germany, Liechtenstein, and Switzerland Non-reloadable prepaid Cards, prepaid Cards that

the Issuer does not permit to be used to enter into

recurring payment arrangements, and single-use-

only Virtual Accounts.

Maestro Cards issued under a BIN assigned for

Germany, Liechtenstein, or Switzerland are also

excluded.

Card-Not-Present Transactions

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An Issuer must be able to send, receive, and process ABU data and must accurately maintain its

entire Card portfolio in ABU, subject to the above-listed exceptions.

With respect to newly assigned ICAs and BINs, an Issuer is allowed six months from the date of

assignment to come into compliance with the ABU requirements.

All of the types of Account changes defined in the Mastercard Automatic Billing Updater

Reference Guide must be submitted to ABU.

An Issuer must not provide ABU support for Cards issued under an ICA or BIN that has not been

assigned to it.

An Issuer must participate in the Mastercard Automatic Billing Updater program by completing

ABU Customer Form 806 available on Mastercard Connect

To support the account validation process, an Issuer must report new Accounts and provide a

one-time upload plus 6 months of historic data changes up to a maximum of 40 months data to

the Issuer Account Change Database.

An Issuer is permitted to use an alternative continuity service, provided that it has an equivalent

level of functionality and supports all Merchants globally.

5.7.2 Acquirer Requirements

An Acquirer must comply with the requirements set out in this

section, with regard to Merchants located in the following

countries

That process the following

Transaction types

Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium,

Bosnia, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark,

Estonia, Finland, France, Georgia, Germany, Gibraltar, Greece,

Hungary, Iceland, Ireland, Italy, Kazakhstan, Kosovo, Kyrgyzstan,

Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova,

Montenegro, Netherlands, North Macedonia, Norway, Poland,

Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Spain,

Sweden, Switzerland, Tajikistan, Turkmenistan, Ukraine, United

Kingdom, Uzbekistan, and Vatican City

Recurring payment and Credential-

on-file Transactions

An Acquirer must:

1. Be technically able to send, receive, and process ABU data, and must ensure that the

acquiring host processing system used by the Acquirer incorporates ABU functionality.

2. Participate in the ABU program by completing ABU Customer Form 806 available on

Mastercard Connect

3. Register each Merchant that participates in the ABU program.

4. Submit Account number queries to ABU on behalf of each registered Merchant before

authorization. The Acquirer must then take appropriate action based on any response codes

received from ABU.

Card-Not-Present Transactions

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5. Submit account inquiry updates on behalf of each enrolled Merchant no less than once every

180 days.

It is strongly recommended that an Acquirer query the ABU database for brand flips to/from

another scheme on behalf of registered Merchants located in the United Kingdom or Ireland.

An Acquirer has the option to submit brand flips to/from another scheme to the ABU program

on behalf of registered Merchants.

An Acquirer is permitted to use an alternative continuity service, provided that it has an

equivalent level of functionality and supports all Issuers and Merchants globally.

An Acquirer in the United Kingdom must additionally participate in the Account validation

service and take appropriate action to inform Merchants of the response code received from the

ABU program to support Account validation as outlined in the Mastercard ABU Reference Guide.

EEA, UK and Gibraltar

In the EEA, UK and Gibraltar, the Rule on this subject is modified to replace references to the

Automatic Billing Updater with references to the corresponding tool of the registered switch of

the Customer’s choice.

5.8 Authentication Requirements

The Rules in this section apply with regard to Remote Electronic Transactions and to the

Merchants that carry out such Transactions.

"PSD2 RTS" means the 2nd Payment Services Directive (Directive [EU] 2015/2366 of 25

November 2015) Regulatory Technical Standards on Strong Customer Authentication ("SCA").

"SCA Country, SCA Countries" means the countries, islands and territories that have adopted

legislation requiring Strong Customer Authentication (e.g., legislation transposing the PSD2

RTS, or similar legislation).

These countries are Austria, Belgium, Bulgaria, Croatia, Czech Republic, Cyprus, Denmark,

Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Italy, Latvia,

Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, North Macedonia, Norway, Poland,

Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, United Kingdom, Ceuta,

Melilla, Azores, Madeira, Aland Islands, Jan Mayen, French Guiana, Guadeloupe, Martinique,

Réunion, Saint Martin (French Part), and Mayotte.

5.8.1 Acquirer Requirements

EMV 3DS and Identity Check

An Acquirer must ensure that its online Merchants support Cardholder authentication using

EMV 3-D Secure version 2 (EMV 3DS) and comply with the Mastercard Identity Check Program,

including display of the Identity Check brand.

An Acquirer must ensure, for itself and for its Service Providers (e.g., 3-D Secure Service

Providers) the full implementation of EMV 3DS 2.2. In addition, it must ensure that its e-

commerce Merchants and Service Providers (e.g., 3DS Service Providers) use the EMV 3DS 2.2

Card-Not-Present Transactions

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authentication to Merchant app redirection (also called 3DS Requestor App URL). An Acquirer

may implement alternative technical authentication solutions that provide equivalent

authentication features and performance.

A Merchant that already supports EMV 3DS version 2.1 must continue to support this format to

ensure interoperability with Issuers that do not yet support EMV 3DS version 2.2 (for example,

those outside of Europe).

In the EEA, Gibraltar, UK, Andorra, Monaco, San Marino, Switzerland, and Vatican City, an

Acquirer and its online Merchants may implement alternative technical authentication solutions

that are compliant with the Mastercard Identity Check Key Performance Indicators, which are

published in the Mastercard Identity Check Program Guide.

5.8.2 Issuer Requirements

Issuer authentication requirements are contained in Rule 6.1 (Card Issuance—General

Requirements) of Chapter 13 (Europe Region) of the Mastercard Rules manual.

5.9 Merchant-initiated Transactions

The following Rules apply for Intracountry and Cross-border Transactions within and between

SCA Countries.

A Merchant-initiated Transaction (MIT) may represent a single payment or multiple payments

(e.g., installment payments, travel bookings, purchases at marketplaces) or a recurring payment

arrangement (e.g., utility bills, streaming services).

To set up each individual MIT mandate, SCA is required, in addition to an agreement between

the Merchant and the Cardholder specifying the reason for the payment and the payment

amount (or an estimate when the precise amount is not known).

In addition to the Rules set out below, a Merchant with Transactions processed by an Acquirer

located in an SCA Country that performs a MIT on a Card issued under a Maestro BIN assigned

for Belgium must be registered in the Debit Online Low Risk Merchant Program.

An Acquirer is only allowed to process an MIT when:

• An MIT agreement has been established where the Merchant initiates a Transaction in which

the Cardholder (1) is not actively triggering the payment and (2) at the time of Transaction

initiation, is not interacting with a Merchant app or website, or

• The Transaction is triggered by the Merchant, as the Transaction could not have been

triggered by the Cardholder during checkout, because:

– the final amount is not known during the checkout (e.g., online groceries shopping), or

– an event triggered the Transaction after the checkout (e.g., miscellaneous rental or service

charges), or

– the Transaction is part of a recurring payment arrangement, or

– the Transaction is segmented into different payments happening at different times (e.g.,

installments, travel bookings, marketplaces), or

– the Transaction is a staged-wallet funding transaction.

Card-Not-Present Transactions

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The MIT exclusion must not be used to bypass the SCA requirements for Transactions for which

Card data has been registered on file with the Merchant and the Cardholder triggers the

payment (a Credential-on-File CIT).

An Acquirer must identify the MIT by populating the authorization message (either an

authorization request or account status inquiry) with the appropriate value in the field specified

by the registered switch of its choice. An Acquirer must use an account status inquiry when the

MIT agreement has been established for a zero amount.

Setting up an MIT requires an authorization request or an account status inquiry, the Trace ID of

which must be provided by the Acquirer in all subsequent related authorizations. Further

processing of an MIT, including the Trace ID, must reflect the recurring payments and/or

credential-on-file processing flags and rules.

If the initial authorization occurred before 14 September 2020 and its Trace ID is not available

(for example, because it was not stored), then the Trace ID must be populated with a default

value as specified by the registered switch of the Customer’s choice.

Issuers must be able to process the Trace ID, for example to validate if SCA took place to set up

the MIT.

The requirement to reference the initial Authorization’s Trace ID does not apply to reversals,

which must continue to include the Trace ID of the authorization to be reversed.

In the case of Transactions in the travel/hospitality sector that are coded as MIT, the Trace ID

must be populated with a default value which is different from that which is used in other

sectors, when necessary to indicate that proof of authentication is not available, owing to the

involvement of a third party sales agent.

If an Acquirer is not able to properly code a Transaction as MIT, the Acquirer, is allowed to code

the Transaction as MOTO, provided that SCA was performed as required by the applicable

legislation.

An Acquirer is only allowed to submit an authorization for an MIT without proof of

authentication - either coded as MOTO or with MIT indicator - if the Merchant indicates to the

Acquirer that the Transaction was initiated on the basis of an MIT agreement.

When an authorization is flagged as a Merchant Initiated Transaction without proof of

authentication, the Acquirer must ensure that the Transaction meets the requirements set out

in applicable legislation.

An Acquirer must identify the specific MIT type, or in the case of a CIT occurring in an e-

commerce environment that will be followed by one or more MITs, the specific CIT type in each

authorization message in the field specified by the registered switch of its choice.

Travel/hospitality businesses are those identified with following MCCs:

Airlines & Air Carriers

MCCs 3000 through 3350 and 4511

Lodging MCCs 3501 through 3999 and 7011

Card-Not-Present Transactions

5.9 Merchant-initiated Transactions

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225

Car Rentals MCCs 3351 through 3500 and 7512

Cruise Lines MCC 4411

Travel Agencies MCC 4722

Passenger Railways and Railroads-Freight MCC 4112 and 4011

Vacation Rentals MCC 6513

Bus Lines MCC 4131

Transportation, including Ferries MCC 4111

Taxi Cabs and Limousines MCC 4121

Transportation Services - Not elsewhere classified MCC 4789

Campgrounds and Trailer Parks MCC 7033

Motor Home and Recreational Vehicle Rentals MCC 7519

Tourist Attractions and Exhibits MCC 7991

Aquariums, Dolphinariums, Zoos and Seaquariums MCC 7998

Insurance Sales, Underwriting and Premiums MCC 6300

Direct Marketing - Insurance Sales MCC 5960

Government Services MCC 9399

Parking Lots & Garages MCC 7523

Latin America and the Caribbean Region

The following modifications to the Rules apply in the Latin America and the Caribbean Region.

Refer to Appendix A for the Latin America and the Caribbean Region geographic listing.

5.1 Electronic Commerce Transactions

5.1.1 Acquirer and Merchant Requirements

In Brazil, the Rule on this subject is modified as follows:

Merchant websites must not display the Mastercard Acceptance Mark accompanied by the

“débito” identifier.

5.1.2 Issuer Requirements

In Brazil, the Rule on this subject is modified as follows:

Card-Not-Present Transactions

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An Issuer in Brazil must enable all Maestro Account ranges (including prepaid Accounts) to

perform e-commerce Transactions. The use of Mastercard

Identity Check authentication is

highly recommended.

5.1.4 Debit Small-Ticket Digital Transaction Program: Brazil Only

The Debit Small-Ticket Digital Transaction Program (the “Program”) allows a Maestro Account

issued in Brazil to conduct e-commerce Transactions at a Merchant located in Brazil.

The following Transaction eligibility requirements apply:

• The Transaction is conducted with a Maestro Account (including prepaid Accounts) issued in

Brazil;

• The Transaction occurs at a qualifying Merchant located in Brazil, as identified in DE 43,

subfield 6 (Card Acceptor Country Code) of the Authorization Request/0100 or Financial

Transaction Request/0200 message and the Merchant Country Name field on the

Mastercard Analytics Portal. A qualifying Merchant under the Program is defined as one that

maintains monthly combined Mastercard and Maestro fraud Transaction volume that does

not exceed 40 basis points;

• Transactions must be identified with all required Transaction data;

• At least sixty percent (60%) of the Transactions must involve Maestro Accounts tokenized via

the Mastercard Digital Enablement Service for use in Credential-on-File Transactions

occurring at the Merchant’s website or digital application (in Authorization Request/0100

and Financial Transaction Request/0200 messages, DE 48, subelement 26 [Wallet Program

Data], subfield 1 [Wallet ID] contains a value of 327 [Merchant tokenization program]);

• For Transaction amounts up to BRL 300, the Issuer must use its standard authorization

parameters when deciding whether to approve or decline a Transaction. For Transaction

amounts equal to or exceeding BRL 300, the Issuer may implement appropriate risk-based

authorization parameters at its discretion;

• New Merchants have a six-month grace period from the start date of the Merchant’s

participation in the Program to become compliant with all technical requirements and two

more months to be 100% compliant with all additional Program requirements.

• Current participating Merchants have two months to become fully compliant with the new

program requirements;

• The Merchant must enable Debit Mastercard and Maestro acceptance, and its Debit

Mastercard Transactions must be properly submitted for dual message authorization

processing;

• Each Transaction must be identified as either an original Digital Secure Remote Payment

Transaction or subsequent Digital Secure Remote Payment Transaction, or involve the

sharing of Identity Check Insights; and

• At least sixty percent (60%) of non-recurring Credential-on-File Transactions must involve

the sharing of Identity Check Insights.

The Standards set forth in the Chargeback Guide apply to Transactions conducted within the

Program. The Acquirer retains fraud-related chargeback liability with respect to any Maestro e-

commerce Transaction completed without Issuer authentication of the Cardholder pursuant to

this Program.

Card-Not-Present Transactions

5.1.4 Debit Small-Ticket Digital Transaction Program: Brazil Only

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The Acquirer must ensure that e-commerce Transactions submitted by a Merchant participating

in the Program are fully compliant with all applicable Transaction data requirements. Failure to

comply with such requirements, including but not limited to the provision of valid, accurate and

complete Merchant or Sponsored Merchant name, Merchant or Sponsored Merchant ID, and

MCC information, will result in the Merchant not being accepted into the Program and its

Transactions being blocked from the Program.

5.7 Use of Automatic Billing Updater

An Issuer in the Latin America and the Caribbean Region must comply with the ABU

requirements set forth in this chapter, with the exceptions stated below.

In the Latin America and the Caribbean Region, excluding Puerto Rico and the Virgin Islands,

U.S., an Issuer using a third-party service for the purpose of communicating Account change

information to Account-on-file and recurring payment Transaction Merchants is not required to

participate in ABU, provided that such third-party service supports and is accessible to all

Merchants regardless of Merchant location.

An Issuer in Puerto Rico or the Virgin Islands, U.S. is not required to participate in ABU with

respect to any prepaid Card Programs the Issuer may have.

An Acquirer in the Latin America and the Caribbean Region must comply with the ABU

requirements set forth in this chapter.

Middle East/Africa Region

The following modifications to the Rules apply in the Middle East/Africa Region. Refer to

Appendix A for the Middle East/Africa Region geographic listing.

5.1 Electronic Commerce Transactions

In Bahrain, Egypt, Ghana, Iraq, Kenya, Kuwait, Lebanon, Morocco, Oman, Pakistan, Qatar, Saudi

Arabia, South Africa, and the United Arab Emirates and effective 1 January 2024 in Nigeria, the

Rule on this subject is modified as follows.

An Issuer of Accounts in Bahrain, Egypt, Ghana, Iraq, Kenya, Kuwait, Lebanon, Nigeria, Oman,

Pakistan, Qatar, Saudi Arabia and the United Arab Emirates that does not meet the Minimum

Average Approval Rate (available on Data Integrity Online) for Cross-border Transactions for a

covered consumer product type in such country may be assessed for noncompliance and/or

incentivized for improved performance as described in the Data Integrity Monitoring Program

manual. In Nigeria, this requirement applies to Domestic Transactions only.

An Issuer of Accounts in Morocco that does not meet the Minimum Average Approval Rate

(available on Data Integrity Online) for Cross-border Card-not-present Transactions for a

covered consumer product type in such country may be assessed for noncompliance and/or

incentivized for improved performance as described in the Data Integrity Monitoring Program

manual.

Card-Not-Present Transactions

5.7 Use of Automatic Billing Updater

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5.1.1 Acquirer and Merchant Requirements

In Nigeria, the Rule on this subject is modified as follows.

Each Acquirer and each Merchant must request Cardholder authentication using EMV 3DS and

comply with the requirements set forth in the Identity Check authentication program.

In Qatar, the Rule on this subject is modified as follows.

Each Acquirer and each Merchant must request Cardholder authentication using EMV 3DS and

comply with the requirements set forth in the Identity Check authentication program.

5.1.2 Issuer Requirements

In Nigeria, the Rule on this subject is modified as follows.

An Issuer must support EMV 3DS and respond to a Cardholder authentication request using a

solution that is compliant with the Identity Check authentication program requirements.

In Qatar, the Rule on this subject is modified as follows.

An Issuer must support EMV 3DS and respond to a Cardholder authentication request using a

solution that is compliant with the Identity Check authentication program requirements.

5.7 Use of Automatic Billing Updater

Each Issuer and Acquirer in the Middle East/Africa Region must comply with the ABU

requirements set forth in this chapter.

United States Region

The following modifications to the Rules apply in the United States (U.S.) Region. Refer to

Appendix A for the U.S. Region geographic listing.

5.7 Use of Automatic Billing Updater

An Issuer in the United States Region must comply with the ABU requirements set forth in this

chapter.

An Issuer is not required to comply with the ABU requirements with respect to prepaid Card

programs the Issuer may have.

5.10 Mastercard Micropayment Solution

The aggregation of separately authorized Cardholder purchases conducted in a Card-not-

present environment into a single aggregated Transaction must only occur pursuant to the

Mastercard Micropayment Solution, as set forth in this section.

The Mastercard Micropayment Solution provides for the aggregation of multiple

individual Cardholder-initiated purchases from a single Merchant into a single Transaction

clearing record.

Card-Not-Present Transactions

5.1.1 Acquirer and Merchant Requirements

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Before a Merchant may conduct Card-not-present purchase aggregation Transactions, the

Merchant must be registered in the Mastercard Micropayment Solution. To propose a Merchant

for registration:

• • The Acquirer must submit the completed Mastercard Micropayment Solution registration

form to micropayments@mastercard.com;

• • The Acquirer must provide all information and material required by Mastercard in

connection with the proposed registration; and

• • The Acquirer and the Merchant must each satisfy all participation requirements described

in the Mastercard Micropayment Solution guidelines.

The Mastercard Micropayment Solution guidelines and registration form are available in the

Forms Library on Mastercard Connect

Mastercard, in its sole discretion, may approve or reject any application for the registration of a

Merchant in the Mastercard Micropayment Solution.

For contactless aggregated transit Transaction requirements, refer to Rule 4.5.

Additional U.S. Region and U.S. Territory Rules

The following modifications to the Rules apply in the United States Region and in American

Samoa, Guam, Northern Mariana Islands, Puerto Rico, and the U.S. Virgin Islands (herein, "the

U.S. Territories").

These Rules apply in addition to any that apply within the Asia/Pacific Region, with respect to

Customers located in American Samoa, Guam, and Northern Mariana Islands; the Latin America

and the Caribbean Region, with respect to Customers located in Puerto Rico and the U.S. Virgin

Islands; and the United States Region, with respect to U.S. Region Customers.

5.1 Electronic Commerce Transactions

5.1.1 Acquirer and Merchant Requirements

In addition, with respect to Maestro e-commerce Transactions:

In the U.S. Region and U.S. Territories, the Rule on this subject is modified as follows.

The Merchant may support EMV 3D Secure (2.0). When supported, the following

requirements apply:

a. For the EMV 3D Secure 2.0 specification, the Merchant must support both browser and

in-app Transactions.

7. The Acquirer must technically support the data fields and values described in the

"Electronic Commerce Transactions" section of Appendix C for Non-Mastercard BIN

Maestro CNP debit card Transactions occurring at a Merchant that chooses to route to the

Single Message System. Each resulting Non-Mastercard BIN Maestro CNP debit card

Card-Not-Present Transactions

Additional U.S. Region and U.S. Territory Rules

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Transaction (which can be for any amount) must be properly identified in the Financial

Transaction Request/0200 message.

8. The Acquirer may submit a Non-Mastercard BIN Maestro CNP debit card Transaction to the

Single Message System as an e-commerce Transaction when the e-commerce Merchant is

located in the U.S. Region or a U.S. Territory.

9. The Acquirer retains fraud-related chargeback liability with respect to any Non-Mastercard

BIN Maestro CNP debit card Transaction.

5.1.2 Issuer Requirements

The following applies with respect to Non-Mastercard BIN Maestro CNP debit card Transactions

routed for processing by means of the Single Message System:

An Issuer must be able to receive and respond to a Financial Transaction Request/0200

message when presented by an Acquirer and initiated at an e-commerce Merchant located in

the U.S. Region or a U.S. Territory.

Card-Not-Present Transactions

5.1.2 Issuer Requirements

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Chapter 6 Payment Transactions and Funding

Transactions

The following Standards apply with regard to Payment Transactions, including MoneySend Payment

Transactions and Gaming Payment Transactions, and Funding Transactions. Where applicable,

variations or additions by region and/or country are provided at the end of this chapter in the section

titled, “Variations and Additions by Region.”

6.1 Payment Transactions................................................................................................................................ 234

6.1.1 Payment Transactions—Acquirer and Merchant Requirements..................................................234

6.1.2 Payment Transactions—Issuer Requirements................................................................................ 235

6.2 Gaming Payment Transactions.................................................................................................................236

6.3 MoneySend Payment Transactions.......................................................................................................... 236

6.4 China Deposit Transactions – China Only............................................................................................... 236

6.5 China Funds Transfer Transactions – China Only...................................................................................236

6.6 Funding Transactions..................................................................................................................................237

Variations and Additions by Region.................................................................................................................237

Asia/Pacific Region.............................................................................................................................................237

6.4 China Deposit Transactions – China Only..........................................................................................237

6.4.1 Non-discrimination Regarding Maximum Transaction Amount Limit..................................238

6.4.2 ATM Access Fee..............................................................................................................................238

6.4.3 Account Verification......................................................................................................................238

6.4.4 Failed Transaction......................................................................................................................... 238

6.5 China Funds Transfer Transactions – China Only.............................................................................238

6.5.1 China Funds Transfer Transaction Terms..................................................................................238

6.5.2 Non-discrimination Regarding Maximum Amount Limit........................................................239

6.5.3 ATM Access Fee..............................................................................................................................239

6.5.4 Account Verification......................................................................................................................239

6.5.5 Funds Availability...........................................................................................................................239

Europe Region..................................................................................................................................................... 240

6.1 Payment Transactions...........................................................................................................................240

6.1.1 Payment Transactions—Acquirer and Merchant Requirements............................................ 240

6.1.2 Payment Transactions—Issuer Requirements...........................................................................240

6.2 Gaming Payment Transactions............................................................................................................241

6.3 MoneySend Payment Transactions.....................................................................................................241

Middle East/Africa Region.................................................................................................................................241

6.2 Gaming Payment Transactions............................................................................................................241

United States Region.........................................................................................................................................243

Payment Transactions and Funding Transactions

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6.2 Gaming Payment Transactions............................................................................................................243

Payment Transactions and Funding Transactions

Transaction Processing Rules • 11 June 2024

233

6.1 Payment Transactions

A Payment Transaction is a transfer of funds to an Account via the Corporation System.

Each Payment Transaction must comply with all requirements set forth herein, in Appendix C,

and in the technical specifications for authorization messages.

If a Payment Transaction is conducted pursuant to a Customer-to-Customer, intracountry, or

intercountry business service arrangement, the business service arrangement must be approved

by the Corporation in writing, in advance of the effecting of a Payment Transaction. The

Corporation reserves the right to audit or to monitor any Payment Transaction Program at any

time.

NOTE: Modifications to this Rule appear in the “Europe Region” section at the end of this chapter.

6.1.1 Payment Transactions—Acquirer and Merchant Requirements

The following requirements apply to an Acquirer and any Merchant that conducts Payment

Transactions:

1. An Acquirer must submit an authorization request to the receiving Issuer (either an

Authorization Request/0100 or Financial Transaction Request/0200 message, as

applicable) for each Payment Transaction.

2. Each Payment Transaction must be authorized, cleared and settled separately and

distinctly. Two or more funds transfers or payments must not be aggregated into a single

Payment Transaction, nor may one Payment Transaction be separated into two or more

Payment Transactions.

3. A Payment Transaction must be effected on the date agreed to with the Cardholder whose

Account is to be funded.

4. A Payment Transaction must not be effected:

a. To “authenticate” an Account or a Cardholder; for example, by effecting or attempting

to effect a Payment Transaction for a nominal amount.

b. For any illegal purpose or any other purpose deemed by the Corporation to be

impermissible.

c. For the purchase of goods or services, unless that Payment Transaction is expressly

permitted by the Standards.

5. Funds for the Payment Transaction must be deemed collected and in the control of the

Acquirer before the Payment Transaction is submitted to the Interchange System.

6. In a dual message environment, the Acquirer must submit a clearing message to the

Interchange System within one calendar day of the Issuer’s approval of the authorization

request. The Acquirer must ensure that the amount of the Payment Transaction in the

clearing message matches the amount in the authorization request.

7. A reversal of a Payment Transaction (other than a MoneySend Payment Transaction) must

only be submitted to correct a documented clerical error and upon agreement of the Issuer.

In such an event, the error must be reversed within one calendar day of the date the

Payment Transactions and Funding Transactions

6.1 Payment Transactions

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Payment Transaction was submitted to the Interchange System (as a Financial Transaction/

0200 message or First Presentment/1240 message, as applicable) for posting to an

Account. Reversible clerical errors include, by way of example and not limitation, the

erroneous capture of Payment Transaction data, a duplicate Payment Transaction, or an

error caused by the transposition of data.

8. A reversal of a MoneySend Payment Transaction must only be submitted for reasons of (a)

timeout when the Acquirer’s time-out limit has been exceeded for receiving the

authorization request response message, or (b) incorrectly formatted response messages

where the response received by the Acquirer is not properly formatted as defined for the

request response messages in Dual Message System or Single Message System

specifications. In such an event, the error must be reversed within sixty (60) seconds of

when the original authorization message related to a MoneySend Payment Transaction was

submitted to the Dual Message System or the Single Message System (as an Authorization

Request/0100 message or a Financial Transaction/0200 message, as applicable) for posting

to an Account, and must include Data Element (DE) 90 (subfields when available). Any

other adjustment of a MoneySend Payment Transaction must be in accordance with the

Mastercard MoneySend and Funding Transactions Program Standards.

9. The Acquirer or Merchant that offers the Payment Transaction service must not request or

require that a Cardholder disclose his or her PIN. If the Payment Transaction service is

provided via a web page, the Merchant must not design that web page in any way that

might lead the Cardholder to believe that he or she must provide his or her PIN. Similarly, if

the Cardholder is asked to complete a form in order to conduct a Payment Transaction, the

contents of that form must not lead the Cardholder to believe that he or she must provide

his or her PIN. The Acquirer must ensure that the Merchant is following these procedures.

The Corporation will also, from time to time, perform audits on these Merchants to ensure

that they are compliant with this and all other requirements.

NOTE: Modifications to this Rule appear in the “Europe Region” section at the end of this chapter.

6.1.2 Payment Transactions—Issuer Requirements

The following requirements apply to an Issuer that receives Payment Transactions, excluding

MoneySend Payment Transactions.

An Issuer that offers the Payment Transaction must make either the PAN or a pseudo PAN

available to the Cardholder. If the Issuer provides the Cardholder with a pseudo PAN, the Issuer

must be able to link the pseudo PAN to the Cardholder’s actual PAN.

An Issuer must receive, process, and provide a valid authorization response to each Payment

Transaction authorization request received.

Upon receiving a Payment Transaction, the Issuer, at its discretion, may:

1. Approve (and receive remuneration for costs incurred) or decline any requests by the

Acquirer to correct a clerical error;

2. Establish a maximum Payment Transaction amount; and

3. Determine when to make the transferred funds available to the recipient—immediately or

after a period of time defined by the Issuer.

Payment Transactions and Funding Transactions

6.1.2 Payment Transactions—Issuer Requirements

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A Payment Transaction must be effected in a way that does not conflict with Cardholder

agreements or instructions.

NOTE: An addition to this Rule appears in the “Europe Region” section at the end of this chapter.

6.2 Gaming Payment Transactions

The Gaming Payment Transaction is a transaction that may be used to transfer winnings or

value usable for gambling or gaming to a Mastercard or Maestro Account.

NOTE: Rules on this subject appear in the “Europe Region,” “Middle East/Africa Region,” and “United

States Region” sections at the end of this chapter.

6.3 MoneySend Payment Transactions

Each Issuer and Acquirer and each MoneySend Payment Transaction must comply with all

requirements set forth in the Standards applicable to MoneySend, including but not limited to

those herein and in Appendix C, in the technical specifications for authorization messages, and

in the Mastercard MoneySend and Funding Transactions Program Standards.

An Issuer of a consumer Card Program or Eligible Commercial Card Program (excluding

anonymous prepaid and gift Card Accounts) must be able to receive, process, authorize

(meaning making an individual authorization decision with respect to each MoneySend Payment

Transaction), and post MoneySend Payment Transactions in compliance with the Standards

applicable to MoneySend. Refer to the Mastercard MoneySend and Funding Transactions

Program Standards for a list of Eligible Commercial Card Program types.

NOTE: A modification to this Rule appears in the “Europe Region” section at the end of this chapter.

6.4 China Deposit Transactions – China Only

NOTE: A Rule on this subject appears in the “Asia/Pacific Region” section at the end of this chapter.

6.5 China Funds Transfer Transactions – China Only

NOTE: A Rule on this subject appears in the “Asia/Pacific Region” section at the end of this chapter.

Payment Transactions and Funding Transactions

6.2 Gaming Payment Transactions

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6.6 Funding Transactions

Each Issuer and Acquirer and each Funding Transaction must comply with all requirements set

forth in the Standards applicable to Funding Transactions, including but not limited to those in

the Mastercard MoneySend and Funding Transactions Program Standards.

As set forth and as from the effective dates set forth in the Mastercard MoneySend and Funding

Transactions Program Standards, the following requirements apply with respect to Funding

Transactions identified with MCC 4829 (Money Transfer), MCC 6538 (Funding Transactions for

MoneySend), or MCC 6540 (Funding Transactions):

• Before submitting Funding Transactions using any of these MCCs, an Acquirer must first

Mastercard.

• The Acquirer must use the appropriate Transaction Type Indicator (TTI) value in DE 48,

subelement 77 (Transaction Type Identifier) of authorization request messages and in DE 48,

PDS 0043 (Transaction Type Identifier) of clearing messages.

• The Acquirer must ensure that each Merchant and each Funding Transaction complies with

all applicable legal and operational requirements and that the Funding Transaction includes

any required reference data in DE 108 (Additional Transaction Reference Data) of

authorization request messages.

• The Issuer must comply with requirements regarding internal controls for AML compliance

and information retention for each Funding Transaction received.

Variations and Additions by Region

The remainder of this chapter provides modifications to the Standards set out in this chapter.

The modifications are organized by region or country and by applicable subject title.

Asia/Pacific Region

The following modifications to the Rules apply in the Asia/Pacific Region or in a particular

Region country or countries. Refer to Appendix A for the Asia/Pacific Region geographic listing.

6.4 China Deposit Transactions – China Only

This Rule 6.4 and its subsections apply to China domestic Transactions only.

Each Issuer and Acquirer must comply with all requirements set forth in the Standards

applicable to China Deposit Transactions, including the technical specifications for authorization

messages and the China Interbank ATM Deposit Program Guide.

An Acquirer may choose to participate in China Deposit Transactions; provided that if an

Acquirer deploys ATM Terminals that participate in domestic deposit transactions of other

scheme brands or networks, such Acquirer’s ATM Terminals must participate in China Deposit

Transactions.

Payment Transactions and Funding Transactions

6.6 Funding Transactions

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6.4.1 Non-discrimination Regarding Maximum Transaction Amount Limit

An Acquirer may impose a maximum amount limit on China Deposit Transactions accepted at

an ATM Terminal provided that the limit imposed on Cardholders is the same or more favorable

than the limits imposed on cardholders of other scheme brands or networks. This Rule does not

limit the application of other non-discrimination provisions contained in the Standards.

6.4.2 ATM Access Fee

The Acquirer may charge an ATM Access Fee or other fee types imposed, or advised of, at an

ATM Terminal, in connection with a Deposit Transaction. The Acquirer must follow the

requirements for Rule 4.18.3 ATM Access Fee Requirements in Chapter 4 of this manual.

6.4.3 Account Verification

The Acquirer may submit an account verification message to verify the validation of the deposit

account prior to initiating the China Deposit Transaction.

The Issuer must return the deposit account Cardholder name with surname truncated via the

account verification response message if the Account is valid.

6.4.4 Failed Transaction

The ATM Terminal must be able to notify the depositor and return the cash if the Deposit

Transaction fails.

6.5 China Funds Transfer Transactions – China Only

This Rule 6.5 and its subsections apply to China domestic Transactions only.

Each Issuer and Acquirer must comply with all requirements set forth in the Standards

applicable to the China Funds Transfer Transaction, including in the technical specifications for

authorization messages, and in the China Interbank ATM Funds Transfer Program Guide.

6.5.1 China Funds Transfer Transaction Terms

Key terms used in this section are defined in the following table for purposes of this section only.

Terms

Description

Funding Account The funding source of the Originating Account

Holder, from where funds are acquired by the

Originating Institution to initiate a PTA

Transaction.

Funding Institution The issuer of funding account. The Funding

Institution and Originating Institution will be the

same entity if the funding institution originates the

China Funds Transfer Transaction. Funding

Institution is also referred as Funding Issuer.

Payment Transactions and Funding Transactions

6.4.1 Non-discrimination Regarding Maximum Transaction Amount Limit

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Terms Description

Originating Institution The Customer that notifies the China Switch to

originate a China Funds Transfer Funding

Transaction (optional) or a China Funds Transfer

Payment Transaction. Also referred to as an

Acquirer.

Receiving Account The Account held by a Receiving Account Holder

and to which the Receiving Customer must ensure

receipt of a China Domestic Funds Transfer

Transaction.

Receiving Institution The Customer that receives and approves a China

Funds Transfer Payment Transaction. Also referred

to as the Issuer of Receiving Account in funds

transfer transactions.

6.5.2 Non-discrimination Regarding Maximum Amount Limit

A Funding Institution or Receiving Institution may impose a maximum amount limit on China

Funds Transfer Transactions provided that the limit imposed on Cardholders is the same or more

favorable than the limits imposed on cardholders of other scheme brands or networks. This Rule

does not limit the application of other non-discrimination provisions contained in the Standards.

6.5.3 ATM Access Fee

The Originating Institution may charge an ATM Access Fee or other fee types imposed, or

advised of, at an ATM Terminal, in connection with a China Funds Transfer Transactions. The

Acquirer must follow the requirements in Rule 4.18.3 ATM Access Fee Requirements in Chapter

4 of this manual.

6.5.4 Account Verification

The Originating Institution may submit an account verification message to verify the validation

of the receiving account prior to initiating the China Funds Transfer Transaction.

The Receiving Institution must return the receiving account Cardholder name with Surname

truncated via the account verification response message if the account is valid.

6.5.5 Funds Availability

For a China Funds Transfer Transaction that occurs at an ATM Terminal, the Receiving

Institution must post the funds to the Receiving Account immediately after the approval of the

China Funds Transfer Transaction.

Reversal is not allowed for a China Funds Transfer Transaction.

Payment Transactions and Funding Transactions

6.5.2 Non-discrimination Regarding Maximum Amount Limit

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Europe Region

The following modifications to the Rules apply in the Europe Region or in a particular Region

country or countries. Refer to Appendix A for the Europe Region, Non-Single European Payments

Area (Non-SEPA) and Single European Payments Area (SEPA) geographic listing.

6.1 Payment Transactions

In the EEA, UK and Gibraltar, the Rule on this subject is modified as follows.

A Payment Transaction may be processed via any switch of the Customer’s choice that is

registered with the Corporation.

Each type of Payment Transaction must be identified in authorization and clearing messages as

specified by the registered switch of the Customer’s choice.

In Russia, the Rule on this subject is modified as follows.

Payment Transactions in Russia may be processed through a domestic switching service.

6.1.1 Payment Transactions—Acquirer and Merchant Requirements

In the Europe Region, the Rule on this subject is modified as follows.

With respect to an interregional Payment Transaction involving a Europe Region Acquirer and an

Issuer located in another Region, if the Acquirer does not submit a clearing message to the

Interchange System within seven days of the authorization request, the Corporation collects the

Payment Transaction amount and any additional fees charged from the Acquirer by means of a

Fee Collection/1740 message.

In the EEA, UK and Gibraltar, the Rule on this subject is modified as follows.

Funds for the Payment Transaction must be deemed collected and in the control of the Acquirer

before the Payment Transaction is submitted to the registered switch of the Customer’s choice.

The Acquirer must submit a clearing message to the registered switch of its choice within one

calendar day of the Issuer’s approval of the authorization request.

A clerical error must be reversed or adjusted within three calendar days of the date the Payment

Transaction was submitted to the registered switch of the Acquirer’s choice for posting to a

Mastercard Account, or within one calendar day if submitted for posting to a Maestro or Cirrus

Account.

6.1.2 Payment Transactions—Issuer Requirements

In Italy, the Rule on this subject is modified as follows:

1. An Issuer must support, process, and provide a valid authorization response to each

Payment Transaction authorization request received, for all prepaid Mastercard, Debit

Mastercard (including prepaid), and Mastercard charge Card Programs (revolving credit

Card Programs are excluded); and

Payment Transactions and Funding Transactions

Europe Region

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2. Except with respect to non-reloadable prepaid Cards, an Issuer must not automatically

decline Payment Transactions.

6.2 Gaming Payment Transactions

In the Europe Region, in addition to the requirements for Payment Transactions, the

requirements contained in the Mastercard Gaming and Gambling Payments Program Standards

apply to Gaming Payment Transactions.

6.3 MoneySend Payment Transactions

In the EEA, UK and Gibraltar, the Rule on this subject is modified as follows.

A MoneySend Payment Transaction may be processed via any switch of the Customer’s choice

that is registered with the Corporation.

Middle East/Africa Region

The following modifications to the Rules apply in the Middle East/Africa Region. Refer to

Appendix A for the Middle East/Africa Region geographic listing.

6.2 Gaming Payment Transactions

In the Middle East/Africa Region, in addition to the requirements for Payment Transactions, the

following requirements apply to Gaming Payment Transactions:

1. The Gaming Payment Transaction may only be used to transfer winnings or unspent chips or

other value usable for gambling to the same Card that the Cardholder used to place the bet

or purchase value used or usable for gambling.

2. The Gaming Payment Transaction must be properly identified in authorization and clearing

messages using MCC 7995, a Transaction type value of 28, and a Payment Transaction

program type value of C04.

3. The Gaming Payment Transaction must not exceed USD 50,000 or the local currency

equivalent.

4. Mail order and telephone order (MO/TO) Merchants may not process Gaming Payment

Transactions.

5. Gaming Payment Transactions must not be processed to any type of Mastercard Corporate

Card, Maestro Card, or prepaid Card. In Kenya, a Gaming Payment Transaction may be

processed to a consumer prepaid Card (excluding anonymous prepaid Cards).

6. The following Anti-Money-Laundering (AML) requirements apply:

a. The Acquirer must consider its Merchants that submit Gaming Payment Transactions as

higher risk under its anti-money laundering compliance program.

b. In addition to any requirement of applicable local law or regulation, the Acquirer must

conduct enhanced customer due diligence reviews of any Merchant that submits

Gaming Payment Transactions.

Payment Transactions and Funding Transactions

6.2 Gaming Payment Transactions

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241

c. The Acquirer must ensure that each Merchant that submits Gaming Payment

Transactions has appropriate controls in place to identify legitimate customers and to

block suspicious activities, Cards, or Payment Transactions.

d. The Acquirer must have robust procedures and ongoing controls in place to monitor

Transactions and Payment Transactions conducted by Merchants that submit Gaming

Payment Transactions and to detect and report any potentially suspicious activity.

7. A Gaming Payment Transaction may be effected if not prohibited by applicable law or

regulation and only for Cards issued in the following countries.

Country Code Country Country Code Country

024 Angola 480 Mauritius

072 Botswana 508 Mozambique

174 Comoros 516 Namibia

180 Democratic Republic of

the Congo

566 Nigeria

262 Djibouti 646 Rwanda

232 Eritrea 690 Seychelles

230 Ethiopia 694 Sierra Leone

270 Gambia 706 Somalia

288 Ghana 728 South Sudan

404 Kenya 748 Swaziland

426 Lesotho 834 Tanzania

430 Liberia 800 Uganda

450 Madagascar 894 Zambia

454 Malawi 716 Zimbabwe

8. In Nigeria, an Issuer must support the Gaming Payment Transaction in authorization and

clearing messages.

9. Gaming Payment Transactions will not be authorized by the Stand-In Processing Service.

Authorization is entirely under the control of the Issuer.

Payment Transactions and Funding Transactions

6.2 Gaming Payment Transactions

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242

United States Region

The following modifications to the Rules apply in the United States (U.S.) Region. Refer to

Appendix A for the U.S. Region geographic listing.

6.2 Gaming Payment Transactions

In the United States Region, in addition to the requirements for Payment Transactions, the

requirements contained in the Mastercard Gaming and Gambling Payment Program Standards

apply to Gaming Payment Transactions.

Payment Transactions and Funding Transactions

United States Region

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Chapter 7 Terminal Requirements

The following Standards apply with regard to POS Terminals, ATM Terminals, and Bank Branch

Terminals. Where applicable, variations or additions by region and/or country are provided at the end of

this chapter in the section titled, “Variations and Additions by Region.”

7.1 Terminal Eligibility........................................................................................................................................246

7.2 Terminal Requirements...............................................................................................................................246

7.2.1 Terminal Function Keys for PIN Entry..............................................................................................247

7.2.2 Terminal Responses............................................................................................................................ 248

7.2.3 Terminal Transaction Log...................................................................................................................248

7.2.4 Contactless-enabled Terminals and Contactless Reader Requirements.................................. 248

7.3 POS Terminal Requirements......................................................................................................................249

7.3.1 Contactless–enabled POS Terminals.............................................................................................. 249

7.3.2 Contactless-only POS Terminals......................................................................................................250

7.4 Mobile POS (MPOS) Terminal Requirements..........................................................................................250

7.5 ATM Terminal and Bank Branch Terminal Requirements......................................................................252

7.5.1 ATM Terminals..................................................................................................................................... 253

7.5.2 Bank Branch Terminals.......................................................................................................................253

7.5.3 Contactless-enabled ATM and Bank Branch Terminals................................................................253

7.6 Hybrid Terminal Requirements.................................................................................................................. 254

7.6.1 Hybrid POS Terminal Requirements................................................................................................ 254

Hybrid POS Terminal and Chip-only MPOS Terminal Displays........................................................ 255

7.6.2 Hybrid ATM Terminal and Bank Branch Terminal Requirements................................................ 255

7.7 Mastercard Consumer-Presented QR Functionality..............................................................................256

Variations and Additions by Region.................................................................................................................257

Asia/Pacific Region.............................................................................................................................................257

7.2 Terminal Requirements..........................................................................................................................257

7.3 POS Terminal Requirements.................................................................................................................257

7.3.1 Contactless-enabled POS Terminals..........................................................................................258

7.4 Mobile POS (MPOS) Terminal Requirements.................................................................................... 258

7.5 ATM Terminal and Bank Branch Terminal Requirements.................................................................259

7.6 Hybrid Terminal Requirements.............................................................................................................259

7.6.1 Hybrid POS Terminal Requirements...........................................................................................259

Canada Region....................................................................................................................................................260

7.3 POS Terminal Requirements.................................................................................................................260

7.3.1 Contactless–enabled POS Terminals.........................................................................................260

7.4 Mobile POS (MPOS) Terminal Requirements.................................................................................... 260

Terminal Requirements

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7.5 ATM Terminal and Bank Branch Terminal Requirements.................................................................260

7.5.3 Contactless-enabled ATM and Bank Branch Terminals..........................................................261

7.7 Mastercard Consumer-Presented QR-enabled POS Terminals......................................................261

Europe Region..................................................................................................................................................... 261

7.1 Terminal Eligibility...................................................................................................................................261

7.2 Terminal Requirements..........................................................................................................................261

7.2.4 Contactless-enabled Terminals and Contactless Reader Requirements.............................261

7.3 POS Terminal Requirements.................................................................................................................262

7.3.1 Contactless-enabled POS Terminals..........................................................................................262

7.4 Mobile POS (MPOS) Terminal Requirements.................................................................................... 264

7.5 ATM Terminal and Bank Branch Terminal Requirements.................................................................264

7.5.2 Bank Branch Terminals................................................................................................................. 264

7.5.3 Contactless-enabled ATM and Bank Branch Terminals..........................................................265

7.6 Hybrid Terminal Requirements.............................................................................................................265

7.6.1 Hybrid POS Terminal Requirements...........................................................................................265

7.6.2 Hybrid ATM Terminal and Bank Branch Terminal Requirements...........................................266

Latin America and the Caribbean Region...................................................................................................... 267

7.3 POS Terminal Requirements.................................................................................................................267

7.3.1 Contactless–enabled POS Terminals.........................................................................................267

7.6 Hybrid Terminal Requirements.............................................................................................................268

Middle East/Africa Region.................................................................................................................................268

7.3 POS Terminal Requirements.................................................................................................................268

7.3.1 Contactless-enabled POS Terminals..........................................................................................268

7.6 Hybrid Terminal Requirements.............................................................................................................269

7.6.1 Hybrid POS Terminal Requirements...........................................................................................269

United States Region.........................................................................................................................................269

7.3 POS Terminal Requirements.................................................................................................................269

7.3.1 Contactless–enabled POS Terminals.........................................................................................269

7.4 Mobile POS (MPOS) Terminal Requirements.................................................................................... 270

7.5 ATM Terminal and Bank Branch Terminal Requirements.................................................................270

7.6 Hybrid Terminal Requirements.............................................................................................................270

7.7 Mastercard Consumer-Presented QR-enabled POS Terminals......................................................270

Additional U.S. Region and U.S. Territory Rules.............................................................................................271

7.6 Hybrid Terminal Requirements.............................................................................................................271

7.6.1 Hybrid POS Terminal Requirements...........................................................................................271

Hybrid POS Terminal and Chip-only MPOS Terminal Displays...................................................271

Terminal Requirements

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7.1 Terminal Eligibility

The following types of terminals, when compliant with the applicable technical requirements

and other Standards, are eligible to be Terminals:

1. Any ATM Terminal or Bank Branch Terminal that is owned, operated or controlled by a

Customer;

2. Any ATM Terminal that is owned, operated or controlled by an entity that is ineligible to be a

Customer, provided that such ATM Terminal is connected to the Interchange System by a

Principal or Affiliate;

3. Any POS Terminal (including an MPOS Terminal) that is owned, operated or controlled by a

Merchant and is in the Merchant’s physical possession, provided that such POS Terminal is

connected to the Interchange System by a Principal or Association; and

4. Any other type of terminal which the Corporation may authorize.

A terminal that dispenses scrip is ineligible to be a Terminal.

NOTE: A modification to this Rule appears in the “Europe Region” section at the end of this chapter.

7.2 Terminal Requirements

Each Terminal must:

1. Have an online connection to the Acquirer host system for the authorization of Transactions,

except where offline-only processing is specifically permitted by the Standards. If online PIN

is a supported CVM, the Terminal must be able to encrypt PINs at the point of entry and

send them to the Acquirer host system in encrypted form in accordance with the PIN

security Standards;

2. Accept any Card that conforms with the encoding Standards, including but not limited to

the acceptance of all valid PAN lengths, major industry identifier numbers and BINs/IINs,

effective and expiration dates, chip application effective dates, service code values, and

characters encoded in the discretionary data;

3. Support all required Transaction types and valid Transactions in accordance with the

Standards;

4. Have a magnetic stripe reader capable of reading Track 2 data encoded on the magnetic

stripe of a Card, and transmit all such data for authorization;

5. Not perform tests or edits on Track 1 data for the purpose of disqualifying Cards from

eligibility for Interchange System processing;

6. For magnetic stripe Transactions, perform a check (either at the Terminal or in the Acquirer

host system) of the track layout, limited to the start sentinel, separator, end sentinel, and

Longitudinal Redundancy Check (LRC), to ensure that the Card conforms to the technical

specifications set forth in Appendix A of the Security Rules and Procedures manual. If an LRC

error occurs or the track data cannot be interpreted correctly or verified, the Transaction

must not be processed or recorded; and

Terminal Requirements

7.1 Terminal Eligibility

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7. Prevent additional Transactions from being entered into the system while a Transaction is

being processed.

A Cardholder-facing or unattended Terminal additionally must:

1. Ensure privacy of PIN entry to the Cardholder (where PIN processing is required and/or

supported);

2. Provide Cardholder operating instructions in English as well as the local language, as

selected by the Cardholder. Two or more languages may be displayed simultaneously. In the

Europe Region, operating instructions in French and German must also be available

whenever technically feasible, and Spanish and Italian are recommended; and

3. Have a screen that clearly displays to the Cardholder:

a. The Transaction amount;

b. Any Transaction data entered into the Terminal by the Cardholder; and

c. The response received as the result of the Cardholder’s Transaction request, including

the application labels or preferred names on a multi-application Card.

Refer to the Security Rules and Procedures for additional requirements related to Terminal

security, PIN processing, and use of service codes. Refer to Rule 3.9 for requirements relating to

Terminal-generated Transaction receipts, including truncation of the primary account number

(PAN).

NOTE: Modifications to this Rule appear in the "Asia/Pacific Region" and "Europe Region" sections at

the end of this chapter.

7.2.1 Terminal Function Keys for PIN Entry

A PIN-capable Terminal must have a numeric keyboard to enable the entry of PINs, with an

‘enter key’ function to indicate the completion of entry of a variable length PIN.

In all Regions except the Canada and United States Regions, a Terminal’s PIN entry device (PED)

or encrypting PIN pad (EPP) must accept PINs having four to six numeric characters. In the

Canada and United States Regions, each PED and EPP must support PINs of up to 12

alphanumeric characters. It is recommended that all PEDs and EPPs support the input of PINs

in letter-number combinations as follows:

Q, Z 6 M, N, O

2 A, B, C 7 P, R, S

3 D, E, F 8 T, U, V

4 G, H, I 9 W, X, Y

5 J, K, L

The support of the following PED function keys is recommended:

Terminal Requirements

7.2.1 Terminal Function Keys for PIN Entry

Transaction Processing Rules • 11 June 2024

247

1. A key used to restart the process of PIN entry or entry of the Transaction amount. The

preferred color is yellow, and the preferred label is CORR or CANCEL.

2. A key used to complete the process of PIN entry or entry of the Transaction amount. The

preferred color is green, and the preferred label is OK.

3. A key used to terminate a Transaction. The preferred color is red, and the preferred label is

STOP or CANCEL. In the Europe Region, this key is mandatory. The key must allow the

Cardholder to cancel a Transaction prior to the final step that results in the submission of an

authorization request.

7.2.2 Terminal Responses

A Terminal must be able to display or print the response required in the applicable technical

specifications. The Acquirer or Merchant must provide an appropriate message to the

Cardholder whenever the attempted Transaction is rejected, either with a specific reason or by

referring the Cardholder to the Issuer.

7.2.3 Terminal Transaction Log

The Acquirer must maintain a Terminal Transaction log. The log must include, at a minimum, the

same information provided on the Cardholder receipt, including the Card sequence number, if

present. The log must include the full PAN, unless otherwise supported by supplementary

reported data, and must not include the PIN or any discretionary data from the Card’s magnetic

stripe or chip. Only the data necessary for research should be recorded. An Issuer may request a

copy of this information.

The Terminal must not electronically record a Card’s full magnetic stripe or chip data for the

purpose of allowing or enabling subsequent authorization requests, after the initial

authorization attempt. The only exception to this Rule is for Merchant-approved Maestro POS

Transactions, which may be logged until either the Transaction is authorized or the end of the

13-day period during which the Merchant may make attempts to obtain an authorization

pursuant to the Standards, whichever occurs first.

When an attempted Transaction is rejected, an indication or reason for the rejection must be

included on the Terminal Transaction log.

7.2.4 Contactless-enabled Terminals and Contactless Reader Requirements

For purposes of this chapter, “contactless-enabled” means a Terminal with a contactless reader

that is activated and that accepts Cards and Access Devices based on contactless chip

technology (“EMV Mode”) and optionally magnetic stripe technology (“Magnetic Stripe Mode”).

The reader of a contactless-enabled Terminal must:

• Comply with Mastercard Contactless Reader Specification Version 3.0 (MCL 3.0) or EMV CL

Book C-2; and

• For POS Terminals only (including MPOS Terminals), be configured to support Consumer

Device Cardholder Verification Method (CDCVM) and the processing of Contactless

Transactions that exceed the applicable Cardholder verification method (CVM) limit amount

up to the amount that the same POS Terminal supports on its contact interface.

Terminal Requirements

7.2.2 Terminal Responses

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Support of CDCVM is required only for Transactions that exceed the CVM limit.

NOTE: Modifications to this Rule appear in the “Europe Region” section at the end of this chapter.

7.3 POS Terminal Requirements

Each POS Terminal must comply with Rule 7.2, except contactless-only POS Terminals as

described below and Mastercard Consumer-Presented QR-only POS Terminals. Each Merchant

is responsible for the maintenance arrangements of its POS Terminals, unless the Acquirer

undertakes this function.

For unattended POS Terminal requirements, refer to Rule 4.11. An unattended POS Terminal

that accepts Mastercard Cards must comply with the Cardholder-Activated Terminal (CAT)

requirements set forth in Appendix D.

All POS Terminals must be Dual Interface Hybrid Terminals that support and enable both EMV

contact and EMV Mode contactless payment functionality. This requirement includes CATs and

excludes contactless-only acceptance as described in Rule 4.7 of this manual.

NOTE: Modifications to this Rule appear in the “Asia/Pacific Region,” “Canada Region,” “Europe

Region,” and “United States Region” sections at the end of this chapter.

7.3.1 Contactless–enabled POS Terminals

A contactless-enabled POS Terminal must comply with the following.

If the contact interface of the POS

Terminal…

Then for Transactions exceeding the CVM limit ("high-value

Transactions"), the contactless interface of the POS

Terminal…

Supports online PIN • Must support both online PIN and CDCVM; and

• If Mastercard is accepted, must support signature CVM.

Signature collection is optional.

Does not support online PIN Must be configured in accordance with one of the following:

1. A high-value Transaction can only occur when a Mobile

Payment Device is used and CDCVM was successful. For

this configuration, CDCVM is the only CVM supported.

2. A high-value Transaction can occur with signature CVM

when Mastercard is accepted, and may also be able to

occur when a Mobile Payment Device is used and CDCVM

was successful. For this configuration, both signature

CVM and CDCVM must be supported. Signature

collection is optional.

Terminal Requirements

7.3 POS Terminal Requirements

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Mastercard Rule 5.12.3, "Minimum/Maximum Transaction Amount Prohibited" applies to both

the contact and contactless payment functionalities of a Dual Interface POS Terminal (whether

attended or unattended).

NOTE: Modifications to this Rule appear in the "Asia/Pacific Region," "Canada Region," "Middle East/

Africa Region," "Europe Region," "Latin America and the Caribbean Region," and "United States

Region" sections at the end of this chapter.

7.3.2 Contactless-only POS Terminals

A POS Terminal that utilizes only contactless payment functionality, as permitted in accordance

with Rule 4.7, must comply with all of the requirements set forth in Rule 7.3 except those

applicable to contact magnetic stripe or chip functionality. In addition, such a POS Terminal

must:

1. Request a cryptogram for all Contactless Transactions, and if the Transaction is approved,

transmit an application cryptogram and related data; and

2. If Cards and Access Devices with contactless chip payment functionality are accepted,

support both online and offline authorization.

3. Support online PIN, if required for contactless-enabled POS Terminals in the Merchant’s

Region or country.

7.4 Mobile POS (MPOS) Terminal Requirements

Any Merchant and any Customer or cash disbursement agent conducting Manual Cash

Disbursement Transactions may use a Mobile POS (MPOS) Terminal that complies with the POS

Terminal Standards.

Any Merchant may use an MPOS Terminal that cannot print a paper Transaction receipt at the

time the Transaction is conducted, provided the Merchant has a means by which to provide a

receipt to the Cardholder upon request (for example, in an email or text message).

Only a Merchant with less than USD 100,000 in annual Mastercard POS Transaction Volume

may use an MPOS Terminal with any of the following characteristics, for Mastercard POS

Transaction processing only:

1. Has a contact chip reader and magnetic stripe-reading capability but does not support PIN

as a CVM for Contact Chip Transactions; or

2. Is a Chip-only MPOS Terminal.

All MPOS Terminals (including Chip-only MPOS Terminals) must be Dual Interface Hybrid

Terminals that support and enable both EMV contact and EMV Mode contactless payment

functionality. This requirement applies regardless of Merchant Transaction Volume and excludes

contactless-only acceptance as described in Rule 4.7.

NOTE: A modification to this provision of the Rule appears in the "Asia/Pacific Region" section at the

end of this chapter.

Terminal Requirements

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MPOS Terminal Identification

All authorization and clearing messages for Transactions occurring at an MPOS Terminal must

contain the MPOS acceptance device indicator, as follows:

• A value of 9 in DE 61 (Point-of-Service Data), subfield 10 (Cardholder-Activated Terminal

Level) of the Authorization Request/0100 or Financial Transaction Request/0200 message;

and

• A value of CT9 in PDS 0023 (Terminal Type) of the First Presentment/1240 message.

PIN verification, if supported by an MPOS Terminal, must be conducted by means of a PIN entry

device (PED) that complies with section 4.10 of the Security Rules and Procedures manual.

A Chip Transaction that occurs at an MPOS Terminal must be authorized online by the Issuer,

resulting in the generation of a unique Authorization Request Cryptogram (ARQC).

Chip-only MPOS Terminal Identification

A Chip-only MPOS Terminal must use the following values:

• A value of 9 in DE 61 (Point-of-Service Data), Subfield 11 (POS Card Data Terminal Input

Capability Indicator) in the Authorization Request/0100 or Financial Transaction Request/

0200 message, as described in the Customer Interface Specification and Single Message

System Specifications manuals; and

• A value of E in DE 22 (Point of Service Data Code), Subfield 1 (Terminal Data: Card Data

Input Capability) of the First Presentment/1240 message, as described in the IPM Clearing

Formats manual.

A software-based Chip-only MPOS Terminal must use the following values:

• In the Authorization Request/0100 or Financial Transaction Request/0200 message, a value

of:

– 2 (Terminal does not have PIN entry capability) or 3 (MPOS Software-based PIN Entry

Capability) in DE 22 (Point of Service Data Code), Subfield 2 (POS Terminal PIN Entry

Mode)

– 0 (Dedicated MPOS Terminal with PCI compliant dongle [with or without key pad]) or 1

(Off the Shelf Mobile Device) in DE 48 (Additional Data—Private Use), subelement 21

(Acceptance Data), subfield 1 (MPOS Acceptance Device Type)

• In the First Presentment/1240 message, a value of:

– 2 (Terminal does not have PIN entry capability) or 3 (MPOS Software-based PIN Entry

Capability) in DE 22 (Point of Service Data Code), Subfield 2 (Terminal Data: Card Data

Input Capability)

– 0 (Dedicated MPOS Terminal with PCI compliant dongle [with or without key pad]) or 1

(Off the Shelf Mobile Device) in PDS 0018 (Acceptance Data), subfield 1 (MPOS

Acceptance Device Type)

The Acquirer must comply with the MPOS Terminal requirements set forth in the M/Chip

Requirements manual, the EMV chip specifications, and section 4.10 of the Security Rules and

Procedures manual.

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NOTE: A modification to this Rule appears in the "Asia/Pacific Region," "Canada Region," "Europe

Region," and "United States Region" sections at the end of this chapter.

7.5 ATM Terminal and Bank Branch Terminal Requirements

In addition to complying with Rule 7.2, each ATM Terminal and Bank Branch Terminal must:

1. Offer cash withdrawals from an Account;

2. Offer balance inquiry functionality to Cardholders, if balance inquiry functionality is offered

to cardholders of any other network accepted at that ATM Terminal or Bank Branch

Terminal;

3. During Account selection, include the word “Savings” when offering a cash withdrawal or

transfer from a savings account, and the word “Checking” or “Chequing” when offering a

cash withdrawal or transfer from a checking account;

4. Not automatically generate an online reversal for the full or partial amount of any

authorized cash withdrawal or disbursement when the ATM Terminal or Bank Branch

Terminal indicates that such Transaction was not completed because the Cardholder failed

to collect some or all of the cash dispensed;

5. Have an online connection to the Acquirer host system;

6. Encrypt the PIN at the point of entry and send the PIN to the Acquirer host system in

encrypted form, in accordance with the PIN security Standards;

7. Process each Transaction in the currency dispensed by the Terminal during that Transaction.

Terminals may process Transactions in other currencies only if done in accordance with “POI

Currency Conversion” in Chapter 3, except that a withdrawal of foreign currency may be

processed in the issuing currency of the Card if it is the same as the currency of the country

where the Terminal is located. The amount of currency dispensed, Transaction amount, and

conversion rate must be shown on the screen before the Cardholder completes the

Transaction and must also be included on the Transaction receipt.

Both single-line and multi-line screens that have a screen width of at least 16 characters are

acceptable. A minimum screen width of 40 characters is recommended.

An ATM Terminal or Bank Branch Terminal also:

1. May offer Merchandise Transactions from no account specified; and

2. May offer MoneySend Payment Transactions.

Refer to Chapter 4 of the Security Rules and Procedures manual for PIN entry device and PIN

security requirements.

NOTE: Additions and/or variations to this Rule appear in the “Asia/Pacific Region,” “Canada Region,”

“Europe Region,” and “United States Region” sections at the end of this chapter.

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7.5.1 ATM Terminals

In addition to complying with Rule 7.5, an ATM Terminal must permit the Cardholder to obtain

the equivalent of USD 100 in the currency in use at the ATM Terminal per Transaction, subject to

authorization of the Transaction by the Issuer.

Refer to Chapter 4 for additional requirements.

7.5.2 Bank Branch Terminals

In addition to complying with Rule 7.5, a Bank Branch Terminal must:

1. Be approved in writing by the Corporation to have access to the Interchange System;

2. With respect to Maestro and Cirrus acceptance, accept all Maestro and Cirrus Cards. A bank

branch offering the service must display the Maestro and Cirrus Acceptance Marks on the

door or window, and at the counter where the service is provided. With respect to

Mastercard acceptance, refer to Rule 4.14.4, Mastercard Acceptance Mark Must be

Displayed;

3. Clearly describe by Transaction receipt, screen information, or both the action taken in

response to a Cardholder's request. It is recommended that the bank branch address also

be included on the Transaction receipt;

4. With respect to Maestro and Cirrus acceptance, permit the Cardholder to obtain the

equivalent of USD 200 in the currency in use at the Bank Branch Terminal per Transaction,

subject to authorization of the Transaction by the Issuer. With respect to Mastercard

acceptance, refer to Rule 4.14.2, Maximum Cash Disbursement Amounts. The currency may

be dispensed in local currency or another currency, provided the Cardholder is informed of

the currency that will be dispensed before the Transaction is performed. The Transaction

receipt, if provided, must identify the currency dispensed.

NOTE: Refer to Rule 4.15 for additional Mastercard Manual Cash Disbursement Transaction

requirements. An addition to this Rule appears in the "Europe Region" section at the end of this

chapter.

7.5.3 Contactless-enabled ATM and Bank Branch Terminals

Online PIN must be the only CVM supported for Contactless Transactions effected:

• At a contactless-enabled ATM Terminal with a Mastercard, Maestro, or Cirrus Card or Access

Device; or

• At a contactless-enabled Bank Branch Terminal with a Maestro or Cirrus Card or Access

Device.

NOTE: Modifications to this Rule appear in the "Canada Region" and "Europe Region" sections at the

end of this chapter.

Terminal Requirements

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7.6 Hybrid Terminal Requirements

In addition to complying with Rule 7.2, a Hybrid Terminal must:

1. Read required data from the chip when present in Chip Cards, and either transmit or

process, as appropriate, all required data for authorization processing. Effective 1 April

2024, this includes when a magnetic stripe is not present on the Chip Card;

2. Complete the Transaction using the EMV chip if present;

3. Read and process EMV-compliant Payment Applications for each of the Corporation’s

brands accepted at that location when a Card containing any such Payment Application is

presented, if the Hybrid Terminal reads and processes any other EMV-compliant payment

application; and

4. Request a cryptogram for all chip-read Transactions; if the Transaction is approved,

transmit an application cryptogram and related data.

A chip-capable Terminal that does not satisfy all of the requirements to be a Hybrid Terminal is

deemed by the Corporation to be a magnetic stripe-only Terminal, and must be identified in

Transaction messages as such.

Chip Transactions must be processed in accordance with the M/Chip Requirements for Contact

and Contactless manual, the Security Rules and Procedures manual, and other applicable

technical specifications. In particular, refer to:

• The Security Rules and Procedures manual for Hybrid Terminal security and PIN processing

requirements;

• The M/Chip Requirements for Contact and Contactless manual for technical fallback,

Cardholder verification method (CVM) fallback, and Card authentication method (CAM)

support requirements; and

• The Chargeback Guide for information about Intracountry Transaction and Intraregional

Transaction chip liability shifts and the Global Chip Liability Shift Program for Interregional

Transactions.

NOTE: Modifications to this Rule appear in the “Asia/Pacific Region,” “Europe Region,” and “United

States Region” sections at the end of this chapter.

7.6.1 Hybrid POS Terminal Requirements

In addition to complying with Rule 7.6, a Hybrid POS Terminal must:

1. At a minimum, support online authorization.

2. If Maestro Cards are accepted, support both online and offline PIN as the CVM. On a

country-by-country basis, Mastercard may permit Acquirers to, at a minimum, support

offline PIN as the CVM as outlined in Rule 3.5.

3. Perform Terminal offline chip authorization limit and Card velocity checking. Transactions

above the Terminal offline chip authorization limit programmed in the POS Terminal must

be routed online to the Issuer, as indicated by the authorization request cryptogram (ARQC).

Terminal Requirements

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4. Support online mutual authentication (OMA) and script processing if connected to a debit

acquiring network.

5. If offline Transactions are supported, identify all offline Transactions as such to the Issuer

when submitted for clearing and settlement.

A Hybrid POS Terminal is identified in Transaction messages with the following values:

• A value of 3, 5, 8, or 9 in DE 61 (Point-of-Service Data), Subfield 11 (POS Card Data

Terminal Input Capability Indicator) in the Authorization Request/0100 or Financial

Transaction Request/0200 message, as described in the Customer Interface Specification and

Single Message System Specifications manuals; and

• A value of 5, C, D, E, or M in DE 22 (Point of Service Data Code), Subfield 1 (Terminal Data:

Card Data Input Capability) of the First Presentment/1240 message, as described in the IPM

Clearing Formats manual.

A PIN-capable Hybrid POS Terminal is indicated when in addition, DE 22, Subfield 2 (Terminal

Data: Cardholder Authentication Capability), of the First Presentment/1240 message contains

a value of 1.

A chip-capable POS Terminal that does not satisfy all of the requirements to be a Hybrid POS

Terminal is deemed by the Corporation to be a magnetic stripe-only POS Terminal and must be

identified in Transaction messages as such.

NOTE: Additions to this Rule appear in the "Asia/Pacific Region," "Europe Region," and "Middle East/

Africa Region" sections at the end of this chapter.

Hybrid POS Terminal and Chip-only MPOS Terminal Displays

A Hybrid POS Terminal (including any Hybrid MPOS Terminal) and a Chip-only MPOS Terminal

must:

1. Display to the Cardholder all mutually supported application labels or preferred names.

Multiple matching applications must be displayed in the Issuer’s priority sequence.

2. Allow the Cardholder to select the application to be used when multiple matching

applications exist.

3. Display to the Cardholder the Transaction amount and Transaction currency, if different

from the Merchant’s or cash disbursement agent’s local currency.

NOTE: A modification to this Rule appears in the "Additional U.S. Region and U.S. Territory Rules"

section at the end of this chapter.

7.6.2 Hybrid ATM Terminal and Bank Branch Terminal Requirements

In addition to complying with Rule 7.6, each Hybrid ATM Terminal and Hybrid Bank Branch

Terminal must:

1. Obtain online authorization from the Issuer for each Transaction, whether the magnetic

stripe or the chip of the Card is used to initiate the Transaction. Offline authorization by

means of the chip, for a technical or any other reason, is not permitted;

Terminal Requirements

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2. Support online PIN as the CVM for all ATM Transactions and for all Manual Cash

Disbursement Transactions effected with a Maestro or Cirrus Card;

3. Support full use of the multi-application capabilities of Chip Cards by:

a. Maintaining a complete list of all Application Identifiers (AIDs) for all products they

accept;

b. Receiving and retaining updates of AIDs for all products they accept;

c. Attempting to match all AIDs contained in the ATM Terminal or Bank Branch Terminal

with those on any EMV-compliant Chip Card used;

d. Displaying all matching application labels or preferred names to the Cardholder, except

when the Standards permit a compatible product or application to take priority;

e. Allowing the Cardholder to select the application to be used when multiple matching

applications exist, except when the Standards permit a compatible product or

application to take priority; and

f. Providing the Cardholder the option of approving or canceling a Merchandise

Transaction before the products are dispensed or the services are performed.

NOTE: An addition to this Rule appears in the “Europe Region” section at the end of this chapter.

7.7 Mastercard Consumer-Presented QR Functionality

A Terminal may be deployed with Mastercard Consumer-Presented QR payment functionality.

For the purpose of this Rule, a "Mastercard Consumer-Presented QR-enabled" Terminal is any

attended or unattended POS Terminal (including any MPOS Terminal) with a QR Code reader

that is activated and can effect a Transaction through the presentment of a QR Code by the

Cardholder and capture of the QR Code by the Merchant to initiate a Transaction.

Mastercard Consumer-Presented QR-enabled POS Terminals must comply with the following:

• Must support purchase and refund Transactions. The requirement to support refunds using

Mastercard Consumer-Presented QR payment is only applicable to attended Terminals.

• Each Mastercard Consumer-Presented QR Transaction must be sent for online authorization

by the Issuer.

• Terminal CVM processing is not supported for Mastercard Consumer-Presented QR

Transactions.

• Must operate in accordance with the M/Chip Requirements for Contact and Contactless

manual and other Terminal-related specifications as provided by Mastercard.

The Acquirer must comply with the Mastercard Consumer-Presented QR Transaction

requirements set forth in the M/Chip Requirements for Contact and Contactless manual and the

EMV QR Code Specification for Payments Systems-Consumer-Presented Mode specifications.

An Acquirer may sponsor a Merchant that deploys POS Terminals that utilize only Mastercard

Consumer-Presented QR functionality with the condition that, should the Merchant accept

other forms of payment (e.g., contactless) for competing brands, the Merchant will also accept

those forms of payment for Mastercard.

Terminal Requirements

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NOTE: A modification to this Rule appears in the "Canada Region" and "United States Region"

sections at the end of this chapter.

Variations and Additions by Region

The remainder of this chapter provides modifications to the Standards set out in this chapter.

The modifications are organized by region or country and by applicable subject title.

Asia/Pacific Region

The following modifications to the Rules apply in the Asia/Pacific Region or in a particular

Region country or countries. Refer to Appendix A for the Asia/Pacific Region geographic listing.

7.2 Terminal Requirements

In Australia, the Rule on this subject is modified as follows.

For a Debit Mastercard Card Chip Transaction, a Terminal must not display the application label

"Credit" or any other term or abbreviation that may be construed to mean or refer to a credit

instrument. In accordance with the Standards, the Terminal must display the application

preferred name or application label corresponding to the Mastercard-branded Application

Identifier (AID).

7.3 POS Terminal Requirements

In the Asia/Pacific Region, the Rule on this subject is modified as follows.

Effective 1 April 2023, all POS Terminals may be Dual Interface Hybrid Terminals that support

and enable both EMV contact and EMV Mode contactless payment functionality. This

requirement includes CATs and excludes contactless-only acceptance as described in Rule 4.7.

In Japan, the Rule on this subject is modified as follows.

Effective 1 January 2024, all newly deployed POS Terminals must be Dual Interface Hybrid

Terminals that support and enable both EMV contact and EMV Mode contactless payment

functionality. This requirement includes CATs and excludes contactless-only acceptance as

described in Rule 4.7.

In China, the Rule on this subject is modified as follows.

All POS Terminals, including CATs and MPOS Terminals and excluding contactless-only

acceptance as described in Rule 4.7, may be Dual Interface Hybrid Terminals that support and

enable:

• both EMV contact and EMV Mode contactless payment functionality; and

• both PBoC contact and PBoC mode contactless payment functionality for China domestic

Transactions.

Terminal Requirements

Variations and Additions by Region

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An attended POS Terminal, including any MPOS Terminal, must support online PIN for all China

Domestic Transactions, whether conducted using a magnetic stripe reader, a contact chip

reader, or a contactless reader. Refer to Rule 3.4 for requirements relating to the use of PIN for

Mastercard magnetic stripe Transactions.

In Indonesia and Republic of Korea, the Rule on this subject is modified as follows.

All newly deployed POS Terminals must be Dual Interface Hybrid Terminals that support and

enable both EMV contact and EMV Mode contactless payment functionality. This requirement

includes CATs, excludes MPOS Terminals, and excludes contactless-only acceptance as described

in Rule 4.7.

7.3.1 Contactless-enabled POS Terminals

In the Asia/Pacific Region, the Rule on this subject is modified as follows.

Except as stated below, a contactless-enabled Terminal may support:

• Contactless magnetic stripe technology ("Magnetic Stripe Mode") only;

• Both contactless magnetic stripe and contactless chip technology ("EMV Mode"); or

• EMV mode only.

Any contactless-enabled POS Terminal submitted to the Corporation for MTIP testing as a new

project must only support EMV Mode Contactless Transactions and must not support Magstripe

Mode Contactless Transactions.

The following requirements apply to online PIN support on the contact and contactless interface

of a Dual Interface POS Terminal and on the contactless interface of a contactless-only POS

Terminal:

• In China, all POS Terminals (including MPOS Terminals) that accept China Domestic

Transactions must support online PIN. For Cross-border Transactions, online PIN must be

enabled in accordance with the below Asia/Pacific Region schedule.

• In all other Asia/Pacific Region countries and territories except Japan, Republic of Korea, and

Taiwan:

– Effective 1 April 2023, all contactless-enabled POS Terminals submitted to the

Corporation for MTIP testing as a new project must support online PIN.

– Effective 1 April 2024, all newly deployed contactless-enabled POS Terminals must

support online PIN.

Support of online PIN is optional at MPOS Terminals, except in China, as stated above.

7.4 Mobile POS (MPOS) Terminal Requirements

In the Asia/Pacific Region, the Rule on this subject is modified as follows.

Effective 1 April 2023, all MPOS Terminals may be Dual Interface Hybrid Terminals that support

and enable both EMV contact and EMV Mode contactless payment functionality.

In Japan, the Rule on this subject is modified as follows.

Terminal Requirements

7.3.1 Contactless-enabled POS Terminals

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Effective 1 January 2024, all newly deployed MPOS Terminals must be Dual Interface Hybrid

Terminals that support and enable both EMV contact and EMV Mode contactless payment

functionality.

In Indonesia and Republic of Korea, the Rule on this subject is modified as follows.

All newly deployed MPOS Terminals must be Dual Interface Hybrid Terminals that support and

enable both EMV contact and EMV Mode contactless payment functionality. This requirement

applies regardless of Merchant Transaction Volume.

7.5 ATM Terminal and Bank Branch Terminal Requirements

In the Asia/Pacific Region, the Rule on this subject is modified as follows.

An Acquirer must ensure that each of its ATM Terminals and Bank Branch Terminals offer:

1. Cash withdrawals from savings accounts and checking accounts;

2. Cash advances from a credit card; and

3. Balance inquiry for checking accounts, savings accounts, and credit cards.

7.6 Hybrid Terminal Requirements

In the Asia/Pacific Region, the Rule on this subject is modified as follows.

All new Terminals deployed by Region Customers and capable of accepting Chip Cards (credit or

debit) must be EMV-compliant.

For China domestic Transactions, the Rule on this subject is modified as follows.

For a Transaction that occurs at a Hybrid Terminal, if the Card also supports Mastercard chip

technology, the Transaction must be completed using the chip. Technical fallback to magnetic

stripe is not permitted.

7.6.1 Hybrid POS Terminal Requirements

In Australia, the Rule on this subject is modified as follows.

For a Debit Mastercard Card Chip Transaction, a Hybrid POS and Chip-only MPOS Terminal

must not display the application label “Credit” or any other term or abbreviation that may be

construed to mean or refer to a credit instrument. In accordance with the Standards, the

Terminal must display the application preferred name or application label corresponding to the

Mastercard-branded Application Identifier (AID).

Terminal Requirements

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Canada Region

The following modifications to the Rules apply in the Canada Region. Refer to Appendix A for

the Canada Region geographic listing.

7.3 POS Terminal Requirements

In the Canada Region, the Rule on this subject is modified as follows.

All POS Terminals, including CATs, may be Dual Interface Hybrid Terminals that support and

enable both EMV contact and EMV Mode contactless payment functionality.

7.3.1 Contactless–enabled POS Terminals

In the Canada Region, the Rule on this subject is modified to add the following:

All contactless-enabled POS Terminals, including any contactless-enabled Terminal submitted to

the Corporation for MTIP testing as a new project, must only support EMV Mode Contactless

Transactions and must not support Magnetic Stripe Mode Contactless Transactions.

All newly-deployed contactless-enabled POS Terminals, including any contactless-enabled POS

Terminal submitted to the Corporation for MTIP testing as a new project, must transmit the

device type indicator in DE 48, subelement 23 (Payment Initiation Channel), subfield 1 (Device

Type) of authorization messages when present in the Card or Access Device used to effect a

Transaction. The Acquirer must also include the device type indicator, when present, in PDS

0198 (Device Type Indicator) of First Presentment/1240 messages.

7.4 Mobile POS (MPOS) Terminal Requirements

In the Canada Region, the Rule on this subject is modified as follows.

All MPOS Terminals may be Dual Interface Hybrid Terminals that support and enable both EMV

contact and EMV Mode contactless payment functionality.

7.5 ATM Terminal and Bank Branch Terminal Requirements

In the Canada Region, the Rule on this subject is modified as follows.

An Acquirer must ensure that each of its ATM Terminals and Bank Branch Terminals:

1. Offer cash withdrawal from a savings and checking (or chequing) accounts;

2. Offer cash advances from a credit card.

3. If offered via a Competing ATM Network, offer balance inquiry to a savings account,

checking account, and/or credit card account, and transfers from checking to savings and

from savings to checking accounts.

4. If cash withdrawals not requiring account selection are performed, convert the Transaction

to a withdrawal from no account specified.

An ATM Terminal or Bank Branch Terminal may offer cash withdrawals from no account

specified.

Terminal Requirements

Canada Region

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7.5.3 Contactless-enabled ATM and Bank Branch Terminals

All contactless-enabled ATM and Bank Branch Terminals, including any contactless-enabled

Terminal submitted to the Corporation for MTIP testing as a new project, must only support

EMV Mode Contactless Transactions and must not support Magnetic Stripe Mode Contactless

Transactions.

7.7 Mastercard Consumer-Presented QR-enabled POS Terminals

In the Canada Region, the Rule on this subject is modified to add the following:

An Acquirer must transmit the device type indicator in DE 48, subelement 23 (Payment

Initiation Channel), subfield 1 (Device Type) of the Authorization Request/0100 message when

present in the Access Device used to effect a Transaction. The Acquirer must also include the

device type indicator when present in PDS 0198 (Device Type Indicator) of the First

Presentment/1240 message.

Europe Region

The following modifications to the Rules apply in the Europe Region or in a particular Region

country or countries. Refer to Appendix A for the Europe Region, Non-Single European Payments

Area (Non-SEPA) and Single European Payments Area (SEPA) geographic listing.

7.1 Terminal Eligibility

In the EEA, UK and Gibraltar, the Rule on this subject is modified as follows.

Terminals may be connected to any switch of the Customer’s choice that is registered with the

Corporation.

7.2 Terminal Requirements

In the EEA, UK and Gibraltar, the Rule on this subject is modified as follows.

A Terminal must not perform tests or edits on Track 1 data for the purpose of disqualifying

Cards from eligibility for processing by the registered switch of the Acquirer’s choice.

7.2.4 Contactless-enabled Terminals and Contactless Reader Requirements

All contactless-enabled Terminals, including MPOS Terminals, deployed in a Europe Region

country must support Mastercard Contactless Reader Specification version 3.0 (MCL 3.0) or

above.

In the EEA, UK and Gibraltar, the Rule on this subject is modified as follows.

A POS Terminal that is required to support Mastercard Contactless Reader Specification version

3.0 (MCL 3.0) or above pursuant to this Rule must support a level of contactless functionality

equivalent to MCL 3.0 or above.

Terminal Requirements

7.5.3 Contactless-enabled ATM and Bank Branch Terminals

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7.3 POS Terminal Requirements

The following requirements apply in Greece:

1. A POS Terminal must be configured to require entry of the Transaction amount before the

Card or Access Device is swiped, dipped, or tapped.

2. A POS Terminal deployed at a Merchant location where a gratuity may be added (such as a

bar, restaurant, hotel, or taxi) must contain an automated prompt to the Cardholder to add

the gratuity before the authorization request is submitted. This requirement applies for the

addition of a gratuity to all types of Transactions.

The following requirements apply in Hungary:

An Acquirer that has deployed at least 250 POS Terminals in Hungary, or that has at least two

percent (2%) of the domestic POS acquiring Volume, must technically support the selection of

the different voucher types for government-defined employee benefit programs, such as

accommodation, catering, and recreation voucher types, at Merchant locations offering the

types of goods and/or services that may be purchased under the employee benefit program. The

voucher types apply for prepaid Cards issued under a meal/food voucher product code, such as

MRJ. The Volume percentage must be calculated by the Acquirer twice per year on the basis of

the Hungarian National Bank half-yearly report.

7.3.1 Contactless-enabled POS Terminals

In the Europe Region, the Rule on this subject is modified as follows.

Contactless Enablement

The Acquirer of a Merchant located in the Europe Region must ensure that all POS Terminals

(including MPOS Terminals) are contactless-enabled.

All contactless-enabled POS Terminals must support EMV Mode Contactless Transactions.

All newly deployed contactless-enabled POS Terminals, including any contactless-enabled

Terminal submitted to the Corporation for MTIP testing as a new project, must only support

EMV Mode Contactless Transactions and must not support Magnetic Stripe Mode Contactless

Transactions.

Effective 1 January 2024, all contactless-enabled POS Terminals must only support EMV Mode

Contactless Transactions and must not support Magnetic Stripe Mode Contactless

Transactions.

The Acquirer of a Merchant located in Italy and identified with one of the following Card

acceptor business codes (MCCs) must ensure that all POS Terminals at the Merchant's locations

are contactless-enabled.

MCC

Description

5310 Discount Stores

5311 Department Stores

Terminal Requirements

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MCC Description

5411 Grocery Stores, Supermarkets

5499 Miscellaneous Food Stores - Convenience Stores, Markets, Specialty Stores

5541 Service Stations (with or without Ancillary Services)

5651 Family Clothing Stores

5661 Shoe Stores

5691 Men's and Women's Clothing Stores

5699 Accessory and Apparel Stores - Miscellaneous

5719 Miscellaneous House Furnishing Specialty Shops

5722 Household Appliance Stores

5812 Eating Places, Restaurants

5813 Bars, Cocktail Lounges, Discotheques, Nightclubs, and Taverns - Drinking Places

(Alcoholic Beverages)

5814 Fast Food Restaurants

5912 Drug Stores, Pharmacies

5942 Book Stores

5977 Cosmetic Stores

7230 Barber and Beauty Shops

7523 Automobile Parking Lots and Garages

7832 Motion Picture Theaters

Online PIN Support

POS Terminals deployed in Ireland and the United Kingdom may either support or not support

online PIN on the contactless interface.

In Ireland and the United Kingdom, all new POS Terminals that are submitted to the

Corporation for M-TIP testing on or after 1 April 2023 must support online PIN on the

contactless interface if they support online PIN on the contact interface.

All newly deployed POS Terminals in France must support online PIN on the contactless

interface.

Prior to 31 December 2023, POS Terminals deployed in Finland may either support or not

support online PIN on the contactless interface.

Effective 1 May 2024, POS Terminals deployed in Israel may either support or not support online

PIN on the contactless interface.

Terminal Requirements

7.3.1 Contactless-enabled POS Terminals

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In Israel, it is strongly recommended that all new POS Terminals submitted to the Corporation

for M-TIP testing on or after 1 May 2024 support online PIN on the contactless interface if the

POS Terminal supports online PIN on the contact interface.

7.4 Mobile POS (MPOS) Terminal Requirements

In the Europe Region, the Rule on this subject is modified as follows.

A Merchant may use an MPOS Terminal that supports only Contact Chip Transactions and

Contactless Transactions and does not support magnetic stripe Transactions.

The following Rule applies in the EEA, UK and Gibraltar:

An MPOS Terminal, including any Chip-only MPOS Terminal, must be identified in authorization

and clearing messages as specified by the registered switch of the Customer’s choice.

7.5 ATM Terminal and Bank Branch Terminal Requirements

In the Europe Region, the Rule on this subject is modified as follows.

1. Each ATM Terminal and Bank Branch Terminal must be capable of dispensing, without limit

per Transaction, the authorized amount requested by the Cardholder unless for technical

and/or security considerations/constraints, the amount per Transaction is limited to at least

the equivalent of EUR 200 in local currency.

2. Transfers from one account to another and account selection are not currently supported in

the Europe Region.

3. It is strongly recommended that an Acquirer in the Europe Region support and offer

domestic, inter-European, and intra-European balance inquiry and PIN change and unblock

functionality at all of its ATM Terminals. The Acquirer must ensure that the balance amount

is not provided by the ATM Terminal before the Cardholder’s PIN has been entered. The

recommendation to support PIN change and unblock functionality applies in relation to Chip

Cards only.

An Acquirer must offer balance inquiry and/or PIN change/unblock functionality to

Cardholders if it offers these services to the cardholders of any other network accepted at

the ATM Terminal, ensuring equal treatment according to the Card category (for example,

debit, credit).

4. Except when a Transaction was not completed because the Cardholder failed to collect

some or all of the cash dispensed, the Acquirer must send a reversal or partial reversal

within 60 seconds of receiving the authorization response at the Acquirer host system when

a Transaction fails to complete.

7.5.2 Bank Branch Terminals

In the Europe Region, the Rule on this subject is modified as follows.

An Issuer is required to support and an Acquirer may optionally support Transactions effected

with a Bank Branch Terminal.

Terminal Requirements

7.4 Mobile POS (MPOS) Terminal Requirements

Transaction Processing Rules • 11 June 2024

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7.5.3 Contactless-enabled ATM and Bank Branch Terminals

All contactless-enabled ATM and Bank Branch Terminals must support EMV Mode Contactless

Transactions.

All newly-deployed contactless-enabled ATM and Bank Branch Terminals, including any

contactless-enabled Terminal submitted to the Corporation for MTIP testing as a new project,

must only support EMV Mode Contactless Transactions and must not support Magnetic Stripe

Mode Contactless Transactions.

Effective 1 January 2024, all contactless-enabled ATM and Bank Branch Terminals must only

support EMV Mode Contactless Transactions and must not support Magnetic Stripe Mode

Contactless Transactions.

7.6 Hybrid Terminal Requirements

In the Europe Region, the Rule on this subject is modified as follows.

1. At a Hybrid ATM Terminal, if the Card also supports EMV chip technology, the Transaction

must be completed using the chip. Technical fallback to magnetic stripe is not permitted.

2. Technical fallback is permitted at Hybrid POS Terminals and Hybrid Bank Branch Terminals.

When technical fallback occurs, PIN must be used as the CVM. An Acquirer may withdraw

support for technical fallback at attended POS Terminals and Bank Branch Terminals when

the Acquirer is content that technical fallback support is no longer required to ensure good

customer service. Upon doing so, the Acquirer must ensure that the POS Terminal or Bank

Branch Terminal continues to support magnetic stripe Card acceptance.

3. All Terminals deployed within SEPA must support both magnetic stripe and EMV chip

technology.

4. All Terminals deployed in Albania, Bosnia and Herzegovina, Kosovo, Moldova, Montenegro,

North Macedonia, or Serbia must support both magnetic stripe and EMV chip technology.

7.6.1 Hybrid POS Terminal Requirements

In the Europe Region, the Rule on this subject is modified as follows.

1. CVM fallback from PIN CVM to signature CVM on a Chip Transaction conducted with a

Maestro Card is not permitted.

2. All Hybrid POS Terminals deployed within SEPA must support the use of PIN as the CVM for

intra-SEPA Chip Transactions conducted with Mastercard Cards.

All Hybrid POS Terminals deployed in Albania, Bosnia and Herzegovina, Kosovo, Moldova,

Montenegro, North Macedonia, and Serbia must support the use of PIN as the CVM for Chip

Transactions conducted with a Mastercard Card.

In the EEA, UK and Gibraltar, the Rule on this subject is modified as follows.

A Hybrid POS Terminal and a PIN-capable Hybrid POS Terminal must be identified in

authorization and clearing messages as specified by the registered switch of the Customer’s

choice.

Terminal Requirements

7.5.3 Contactless-enabled ATM and Bank Branch Terminals

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7.6.2 Hybrid ATM Terminal and Bank Branch Terminal Requirements

In the Europe Region, the Rule on this subject is modified as follows.

ATM Terminals must be contactless-enabled in the following countries by the dates specified.

Countries Effective date

Bosnia and Herzegovina

Czech Republic

Montenegro

Poland

Serbia

Requirement already in effect for newly deployed ATM Terminals

19 January 2024 for all ATM Terminals in Czech Republic and

Poland

Albania

Austria

Bulgaria

Croatia

Cyprus

Germany

Greece

Hungary

Kosovo

Liechtenstein

Malta

North Macedonia

Romania

Slovakia

Slovenia

Switzerland

19 July 2024 for newly deployed ATM Terminals and for ATM

Terminals that are already contactless-enabled for another

acceptance brand

19 July 2028 for all ATM Terminals

Where a Hybrid ATM Terminal or Hybrid Bank Branch Terminal supports more than one payment

application residing on a Chip Card (for example, the Cirrus Payment Application and a stored

value payment application), the Cardholder must be permitted to choose the preferred

payment application.

Terminal Requirements

7.6.2 Hybrid ATM Terminal and Bank Branch Terminal Requirements

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Latin America and the Caribbean Region

The following modifications to the Rules apply in the Latin America and the Caribbean Region.

Refer to Appendix A for the Latin America and the Caribbean Region geographic listing.

7.3 POS Terminal Requirements

In the Latin America and the Caribbean Region, the Rule on this subject is modified as follows.

All newly-deployed integrated POS Terminals must be Dual Interface Hybrid Terminals that

support and enable both EMV contact and EMV Mode contactless payment functionality.

For the purposes of this Rule, an integrated POS Terminal refers to acceptance architectures

where the Merchant’s POS solution is integrated with the Card-reading technology. They are

typically deployed by large Merchant chains and stores. This definition may include automated

fuel dispenser Terminals that have integrated payment functionality, although it does not

include any devices that can be deployed as stand-alone payment Terminals.

7.3.1 Contactless–enabled POS Terminals

In the Latin America and the Caribbean Region, the Rule on this subject is modified as follows.

All contactless-enabled Terminals, including a contactless-enabled Terminal submitted to the

Corporation for MTIP testing as a new project, must only support EMV Mode Contactless

Transactions and must not support Magnetic Stripe Mode Contactless Transactions.

All newly-deployed integrated POS Terminals must be Dual Interface Hybrid Terminals that

support and enable both EMV contact and EMV Mode contactless payment functionality.

For the purposes of this Rule, an integrated POS Terminal refers to acceptance architectures

where the Merchant's POS solution is integrated with the Card-reading technology. They are

typically deployed by large Merchant chains and stores. This definition may include automated

fuel dispenser Terminals that have integrated payment functionality, although it does not

include any devices that can be deployed as stand-alone payment Terminals.

Online PIN Support

The following requirements apply to online PIN support on the contact and contactless

interfaces of a Dual Interface POS Terminal and on the contactless interface of a contactless-

only POS Terminal.

MPOS Terminals are excluded from the above requirements.

In Brazil, the following requirements apply:

1. A contactless-enabled POS Terminal must support online PIN as the CVM for a Maestro

Magnetic Stripe Mode Contactless Transaction that exceeds BRL 50; and

2. For Domestic Transactions, if the Cardholder selects the "debit" option when using a

Mastercard Card or Access Device to initiate a Contactless Transaction, Mastercard

Single

Message System processing requirements and the chargeback procedures in Chapter 4 of

the Chargeback Guide will apply. The resulting Transaction is referred to as a Maestro

Magnetic Stripe Mode Contactless Transaction.

Terminal Requirements

Latin America and the Caribbean Region

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Online PIN support is required for: Effective as of:

All newly deployed contactless-enabled POS

Terminals except integrated POS (iPOS) Terminals

• 1 June 2022 except in Mexico

• 1 June 2024 in Mexico

All newly deployed contactless-enabled integrated

POS (iPOS) Terminals

• 1 March 2023 except in Mexico

• 1 March 2025 in Mexico

All contactless-enabled POS Terminals • 1 January 2024 except in Mexico

• 1 December 2025 in Mexico

A contactless-enabled POS Terminal deployed in Brazil, Chile, or Colombia must minimally

support online PIN and may also support Consumer Device CVM (CDCVM) as the CVM for a

Maestro Contactless Transaction that exceeds the applicable contactless CVM limit.

7.6 Hybrid Terminal Requirements

In the Latin America and the Caribbean Region, the Rule on this subject is modified as follows.

All Terminals that are newly deployed within the Region must be EMV-compliant.

Middle East/Africa Region

The following modifications to the Rules apply in the Middle East/Africa Region. Refer to

Appendix A for the Middle East/Africa Region geographic listing.

7.3 POS Terminal Requirements

7.3.1 Contactless-enabled POS Terminals

In the Middle East/Africa Region, the Rule on this subject is modified as follows.

All contactless-enabled Terminals, including a contactless-enabled Terminal submitted to the

Corporation for MTIP testing as a new project, must only support EMV Mode Contactless

Transactions and must not support Magnetic Stripe Mode Contactless Transactions.

All contactless-enabled POS Terminals deployed in the Region must support online PIN. This

requirement applies to the contact and contactless interfaces of a Dual Interface POS Terminal

and the contactless interface of a contactless-only POS Terminal. MPOS Terminals are excluded

from this requirement.

Terminal Requirements

7.6 Hybrid Terminal Requirements

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7.6 Hybrid Terminal Requirements

7.6.1 Hybrid POS Terminal Requirements

In the Middle East/Africa Region, the Rule on this subject is modified as follows.

All new or retrofitted Terminals deployed by Region Customers must be capable of upgrade to

EMV compliance.

United States Region

The following modifications to the Rules apply in the United States (U.S.) Region. Refer to

Appendix A for the U.S. Region geographic listing.

7.3 POS Terminal Requirements

In the United States Region, the Rule on this subject is modified as follows.

• All POS Terminals, including CATs, may be Dual Interface Hybrid Terminals that support and

enable both EMV contact and EMV Mode contactless payment functionality.

• A POS Terminal that accepts Mastercard and Maestro as well as supports contactless

acceptance for competing brands, must enable Mastercard and Maestro on the contactless

interface.

• A newly-deployed POS Terminal that supports contactless acceptance must support only

EMV mode contactless. Magstripe mode contactless must not be supported.

• Effective 1 April 2023, all POS Terminals that support contactless acceptance must support

only EMV mode contactless. Magstripe mode contactless must not be supported.

7.3.1 Contactless–enabled POS Terminals

In the U.S. Region, the Acquirer of a Merchant that uses a contactless–enabled POS Terminal

must comply with all of the following:

1. MCL Version 3.0—The contactless reader of a newly deployed contactless-enabled POS

Terminal must support MCL version 3.0 or later.

2. Device Type Indicator—An Acquirer must ensure that any newly deployed contactless-

enabled POS Terminal transmits the device type indicator in DE 48, subelement 23

(Payment Initiation Channel), subfield 1 (Device Type) of authorization messages when

present in the Card or Access Device used to effect a Transaction. The Acquirer must also

include the device type indicator, when present, in PDS 0198 (Device Type Indicator) of First

Presentment/1240 messages.

3. CVM Support—A contactless–enabled POS Terminal deployed in the U.S. Region must

minimally support online PIN as the CVM for a Maestro Contactless Transaction that

exceeds the applicable contactless CVM limit. Any newly deployed or replacement

contactless-enabled POS Terminal must also support Consumer Device CVM (CDCVM).

Terminal Requirements

7.6 Hybrid Terminal Requirements

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7.4 Mobile POS (MPOS) Terminal Requirements

In the United States Region, the Rule on this subject is modified as follows.

All MPOS Terminals may be Dual Interface Hybrid Terminals that support and enable both EMV

contact and EMV Mode contactless payment functionality.

7.5 ATM Terminal and Bank Branch Terminal Requirements

In the U.S. Region, the Rule on this subject is modified as follows:

1. An ATM Terminal or Bank Branch Terminal must:

a. Offer cash withdrawals from savings and checking accounts and cash advances from

credit cards;

b. Offer balance inquiry for checking accounts, savings accounts, and credit cards;

c. Offer transfers from checking to savings accounts and from savings to checking

accounts;

d. Offer Shared Deposit to savings accounts and checking accounts if the ATM Terminal or

Bank Branch Terminal accepts shared deposits for any other shared deposit service; and

e. Convert a cash withdrawal performed without account selection to a withdrawal from

no account specified.

2. An ATM Terminal or Bank Branch Terminal may offer:

a. Cash withdrawals from no account specified; and

b. Shared Deposit to savings and checking accounts if the Terminal does not accept shared

deposits for any other shared deposit service.

7.6 Hybrid Terminal Requirements

In the U.S. Region, the Rule on this subject is modified as follows.

A Hybrid Terminal deployed in the U.S. Region must be configured as online-only or online-

preferring for both Contact Chip Transaction and Contactless Transaction processing. “Online-

only” means that the Hybrid Terminal seeks online authorization for all Transactions. “Online-

preferring” means that the Hybrid Terminal seeks an online authorization for all Transactions,

but may approve a Transaction that does not exceed the applicable Terminal offline chip

authorization limit when in the “unable to go online” mode. This may occur when the Terminal

temporarily loses online connectivity or does not receive an authorization response from the

Issuer. For more information, refer to M/Chip Requirements for Contact and Contactless.

7.7 Mastercard Consumer-Presented QR-enabled POS Terminals

In the U.S. Region, the Rule on this subject is modified to add the following:

An Acquirer must transmit the device type indicator in DE 48, subelement 23 (Payment

Initiation Channel), subfield 1 (Device Type) of the Authorization Request/0100 message or the

Financial Transaction Request/0200 message when present in the Access Device used to effect

a Transaction. The Acquirer must also include the device type indicator, when present, in PDS

0198 (Device Type Indicator) of the First Presentment/1240 message.

Terminal Requirements

7.4 Mobile POS (MPOS) Terminal Requirements

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Additional U.S. Region and U.S. Territory Rules

The following modifications to the Rules apply in the United States Region and in American

Samoa, Guam, Northern Mariana Islands, Puerto Rico, and the U.S. Virgin Islands (herein, “the

U.S. Territories”).

These Rules apply in addition to any that apply within the Asia/Pacific Region, with respect to

Customers located in American Samoa, Guam, and Northern Mariana Islands; the Latin America

and the Caribbean Region, with respect to Customers located in Puerto Rico and the U.S. Virgin

Islands; and the United States Region, with respect to U.S. Region Customers.

7.6 Hybrid Terminal Requirements

7.6.1 Hybrid POS Terminal Requirements

Hybrid POS Terminal and Chip-only MPOS Terminal Displays

In the U.S. Region and U.S. Territories, the Rule on this subject is replaced with the following:

A Hybrid POS Terminal (including any Hybrid MPOS Terminal) and a Chip-only MPOS Terminal

must:

1. For each debit Account (including any prepaid debit Account) on a Card, display to the

Cardholder at least one mutually supported application label or preferred name, which the

Merchant may select.

2. For each credit Account on a Card, display all mutually supported application labels or

preferred names. Multiple matching applications must be displayed in the Issuer's priority

sequence.

3. Display to the Cardholder the Transaction amount and Transaction currency, if different

from the Merchant's or cash disbursement agent's local currency.

For more information, refer to the U.S. Region section in Chapter 2 of the M/Chip Requirements

for Contact and Contactless manual.

Terminal Requirements

Additional U.S. Region and U.S. Territory Rules

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Appendix A Geographic Regions

This appendix provides listings of geographic regions.

Asia/Pacific Region.............................................................................................................................................273

Canada Region....................................................................................................................................................274

Europe Region..................................................................................................................................................... 274

Single European Payments Area (SEPA).................................................................................................. 275

Non-Single European Payments Area (Non-SEPA).................................................................................275

Latin America and the Caribbean Region...................................................................................................... 276

Middle East/Africa Region.................................................................................................................................277

United States Region.........................................................................................................................................278

Geographic Regions

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Asia/Pacific Region

The Asia/Pacific Region includes the following countries or territories.

American Samoa Myanmar

Australia Nauru

Bangladesh Nepal

Bhutan New Caledonia

Brunei Darussalam New Zealand

Cambodia Niue

China Norfolk Island

Christmas Island Northern Mariana Islands

Cocos (Keeling) Islands Palau

Cook Islands Papua New Guinea

Fiji Philippines

French Polynesia Pitcairn

Guam Samoa

Heard and McDonald Islands Singapore

Hong Kong SAR Solomon Islands

India Sri Lanka

Indonesia Taiwan

Japan Thailand

Kiribati Timor-Leste

Korea, Republic of Tokelau

Lao People’s Democratic Republic Tonga

Macao SAR Tuvalu

Malaysia U.S. Minor Outlying Islands

Maldives Vanuatu

Marshall Islands Viet Nam

Micronesia, Federated States of Wallis and Futuna

Mongolia

Geographic Regions

Asia/Pacific Region

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Canada Region

The Canada Region is composed of Canada.

Europe Region

The Europe Region includes the following countries or territories.

Albania Guernsey Norway

Andorra Hungary Poland

Antarctica Iceland Portugal

Armenia Ireland Romania

Austria Isle of Man Russian Federation

Azerbaijan Israel Saint Helena, Ascension and

Tristan Da Cunha

Belarus Italy Saint Pierre and Miquelon

Belgium Jersey San Marino

Bosnia and Herzegovina Kazakhstan Serbia

Bulgaria Kosovo Slovakia

Croatia Kyrgyzstan Slovenia

Cyprus Latvia Spain

Czech Republic Liechtenstein Sweden

Denmark

Lithuania Switzerland

Estonia Luxembourg Tajikistan

Finland

Malta Turkey

France

Moldova Turkmenistan

Georgia Monaco Ukraine

Germany Montenegro United Kingdom

Includes Svalbard and Jan Mayen.

Includes Azores and Madeira.

Includes Canary Islands, Ceuta and Melilla.

Includes Faroe Islands and Greenland.

Includes Aland Islands.

Includes Mayotte, Guadeloupe, Martinique, French Guiana, St. Martin (French Part), Réunion, and St. Barthélemy.

Includes Falkland Islands, South Georgia and South Sandwich Islands.

Geographic Regions

Canada Region

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Gibraltar Netherlands Uzbekistan

Greece North Macedonia Vatican City

Changes in allegiance or national affiliation of a part of any of the countries listed in this

appendix shall not affect the geographic coverage of the definition.

Single European Payments Area (SEPA)

The Single European Payments Area includes the following countries or territories.

Andorra Greece Netherlands

Antarctica Guernsey Norway

Austria Hungary Poland

Belgium Iceland Portugal

Bulgaria Ireland Romania

Croatia Isle of Man Saint Helena, Ascension and

Tristan da Cunha

Cyprus Italy San Marino

Czech Republic Jersey Slovakia

Denmark

Latvia Slovenia

Estonia Liechtenstein Spain

Finland

Lithuania Sweden

France

Luxembourg Switzerland

Germany Malta United Kingdom

Gibraltar Monaco Vatican City

Non-Single European Payments Area (Non-SEPA)

The Non-Single European Payments Area includes the following countries or territories.

Albania

Moldova

Armenia Montenegro

Includes Svalbard and Jan Mayen.

Includes Faroe Islands and Greenland.

Includes Aland Islands.

Includes Mayotte, Guadeloupe, Martinique, French Guiana, St. Martin (French Part), Réunion, and St. Barthélemy.

Includes Falkland Islands, South Georgia and South Sandwich Islands.

Geographic Regions

Single European Payments Area (SEPA)

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Azerbaijan North Macedonia

Belarus Russian Federation

Bosnia and Herzegovina Serbia

Georgia Tajikistan

Israel Turkey

Kazakhstan Turkmenistan

Kosovo Ukraine

Kyrgyzstan Uzbekistan

Latin America and the Caribbean Region

The Latin America and the Caribbean Region includes the following countries or territories.

Anguilla

Cuba Panama

Antigua and Barbuda Curacao Paraguay

Argentina Dominica Peru

Aruba Dominican Republic Puerto Rico

Bahamas Ecuador St. Kitts-Nevis

Barbados El Salvador St. Lucia

Belize Grenada St. Maarten

Bermuda Guatemala St. Vincent and the Grenadines

BES Islands

Guyana Suriname

Bolivia Haiti Trinidad and Tobago

Brazil Honduras Turks and Caicos Islands

Cayman Islands Jamaica Uruguay

Chile Mexico Venezuela

Colombia Montserrat Virgin Islands, British

Costa Rica Nicaragua Virgin Islands, U.S.

Bonaire, St. Eustatius and Saba.

Geographic Regions

Latin America and the Caribbean Region

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Middle East/Africa Region

The Middle East/Africa Region includes the following countries or territories.

Afghanistan Gabon Pakistan

Algeria Gambia Palestine

Angola Ghana Qatar

Bahrain Guinea Rwanda

Benin Guinea-Bissau Sao Tome and Principe

Botswana Iraq Saudi Arabia

Bouvet Island Jordan Senegal

British Indian Ocean Territory Kenya Seychelles

Burkina Faso Kuwait Sierra Leone

Burundi Lebanon Somalia

Cameroon Lesotho South Africa

Cape Verde Liberia South Sudan

Central African Republic Libyan Arab Jamahiriya Sudan (excluding Darfur)

Chad Madagascar Swaziland

Comoros Malawi Tanzania

Congo Mali Togo

Côte D’Ivoire Mauritania Tunisia

Democratic Republic of the

Congo

Mauritius Uganda

Djibouti Morocco United Arab Emirates

Egypt Mozambique Western Sahara

Equatorial Guinea Namibia Yemen

Eritrea Niger Zambia

Ethiopia Nigeria Zimbabwe

French Southern Territories Oman

West African Economic and Monetary Union (UEMOA)

The West African Economic and Monetary Union includes the following countries or territories.

Geographic Regions

Middle East/Africa Region

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Benin Mali Togo

Burkina Faso Niger Guinea-Bissau

Cote d’Ivoire Senegal

United States Region

The United States Region is composed of the United States.

Geographic Regions

United States Region

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Appendix B Compliance Zones

The following table identifies the noncompliance category that the Corporation has assigned to the

Standards described within this manual.

Compliance Zones.............................................................................................................................................. 280

Compliance Zones

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Compliance Zones

The following table identifies the noncompliance category that Mastercard has assigned to the

Standards described within this manual. These noncompliance categories are assigned for the

purposes of noncompliance assessments under the compliance framework in section 2.1.4,

"Noncompliance Assessments" of the Mastercard Rules manual.

Rule Number Rule Title Category

1.1 Connecting to the Interchange System A

1.2 Authorization Routing - Mastercard POS Transactions A

1.3 Authorization Routing - Maestro, Cirrus, and ATM Transactions A

1.3.1 Routing Instructions and System Maintenance C

1.3.2 Chip Transaction Routing A

1.3.3 Domestic Transaction Routing A

1.4 ATM Terminal Connection to the Interchange System A

1.5 Gateway Processing A

1.6 POS Terminal Connection to the Interchange System A

2.1 Acquirer Authorization Requirements A

2.2 Issuer Authorization Requirements A

2.3 Authorization Responses A

2.4 Performance Standards A

2.5 Preauthorizations A

2.6 Undefined Authorizations A

2.7 Final Authorizations A

2.8 Message Reason Code 4808 Chargeback Protection Period A

2.9 Multiple Authorizations A

2.10 Multiple Clearing Messages A

2.11 Full and Partial Reversals A

2.12 Full and Partial Approvals A

2.13 Refund Transactions and Corrections A

Compliance Zones

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Rule Number Rule Title Category

2.14 Balance Inquiries B

2.15 CVC 2 Verification for POS Transactions A

2.16 CVC 3 Verification for Maestro Magnetic Stripe Mode Contactless

Transactions - Brazil Only

2.17 Euro Conversion - Europe Region Only C

2.18 Transaction Queries and Disputes B

2.18.1 Retrieval Requests and Fulfillments C

2.18.2 Compliance with Dispute Procedures A

2.19 Chargebacks for Reissued Cards C

2.20 Correction of Errors A

2.21 Merchant Payment Gateway Identifier (MPG ID) A

2.22 Co-badged Cards - Acceptance Brand Identifier B

3.1 Card-Present Transactions B

3.1.1 Mastercard Card Acceptance Procedures B

3.1.2 Maestro Card Acceptance Procedures B

3.2 Card-Not-Present Transactions B

3.3 Obtaining an Authorization A

3.3.1 Mastercard POS Transaction Authorization Procedures A

3.3.2 Maestro POS Transaction Authorization Procedures A

3.4 Mastercard Cardholder Verification Requirements A

3.5 Maestro Cardholder Verification Requirements A

3.6 Use of a PIN for Transactions at ATM Terminals and Bank Branch

Terminals

3.7 Use of a Consumer Device CVM A

3.8 POI Currency Conversion B

3.9 Multiple Transactions - Mastercard POS Transactions Only B

3.10 Partial Payment - Mastercard POS Transactions Only B

3.11 Specific Terms of a Transaction B

Compliance Zones

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Rule Number Rule Title Category

3.12 Charges for Loss, Theft, or Damage - Mastercard POS Transactions

Only

3.13 Providing a Transaction Receipt B

3.13.1 POS and Mastercard Manual Cash Disbursement Transaction Receipt

Requirements

3.13.2 ATM and Bank Branch Terminal Transaction Receipt Requirements B

3.13.3 Primary Account Number (PAN) Truncation and Expiration Date

Omission

3.13.4 Prohibited Information A

3.13.5 Standard Wording for Formsets B

3.14 Returned Products and Canceled Services B

3.14.1 Refund Transactions B

3.15 Transaction Records B

4.1 Chip Transactions at Hybrid Terminals A

4.2 Offline Transactions Performed on Board Planes, Trains, and Ships B

4.3 No-CVM Magnetic Stripe and Contact Chip Maestro POS Transactions

- Europe Region Only

4.4 Contactless Transactions at POS Terminals A

4.5 Contactless Transit Aggregated Transactions A

4.6 Contactless Transactions at ATM Terminals A

4.7 Contactless-only Acceptance B

4.8 Mastercard Consumer-Presented QR Transactions at POS Terminals B

4.9 Purchase with Cash Back Transactions A

4.10 Transactions at Unattended POS Terminals A

4.10.1 Automated Fuel Dispenser Transactions A

4.11 PIN-based Debit Transactions - United States Region Only A

4.12 PIN-less Single Message Transactions - United States Region Only A

4.13 Merchant-approved Maestro POS Transactions A

Compliance Zones

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Rule Number Rule Title Category

4.14 Mastercard Manual Cash Disbursement Transactions A

4.14.1 Non-discrimination Regarding Cash Disbursement Services A

4.14.2 Maximum Cash Disbursement Amounts B

4.14.3 Discount or Service Charges B

4.14.4 Mastercard Acceptance Mark Must Be Displayed B

4.15 Encashment of Mastercard Travelers Cheques B

4.16 ATM Transactions A

4.17 ATM Access Fees B

4.18 Merchandise Transactions at ATM Terminals A

4.19 Shared Deposits - United States Region Only A

5.1 Electronic Commerce Transactions A

5.2 Mail Order and Telephone Order (MO/TO) Transactions A

5.3 Credential-on-File Transactions A

5.4 Recurring Payment Transactions A

5.5 Installment Billing A

5.6 Transit Transactions Performed for Debt Recovery B

5.7 Use of Automatic Billing Updater B

5.8 Authentication Requirements - Europe Region Only A

5.9 Merchant-initiated Transactions - EEA, United Kingdom, and Gibraltar

Only

6.1 Payment Transactions A

6.2 Gaming Payment Transactions A

6.3 MoneySend Payment Transactions A

7.1 Terminal Eligibility A

7.2 Terminal Requirements A

7.2.1 Terminal Function Keys C

7.2.2 Terminal Responses B

Compliance Zones

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Rule Number Rule Title Category

7.2.3 Terminal Transaction Log A

7.2.4 Contactless-enabled Terminals and Contactless Reader Requirements A

7.3 POS Terminal Requirements A

7.4 Mobile POS (MPOS) Terminal Requirements A

7.5 ATM Terminal and Bank Branch Terminal Requirements A

7.6 Hybrid Terminal Requirements A

7.7 Mastercard Consumer-Presented QR Functionality A

Appendix C - Transaction Identification Requirements A

Appendix D - Cardholder-Activated Terminal (CAT) Requirements A

Appendix F - Signage, Screen, and Receipt Text Display B

Compliance Zones

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Appendix C Transaction Identification Requirements

This appendix contains requirements for transaction identification. In the EEA, a Customer must identify

Transactions in authorization and clearing messages using the values and in the fields defined by the

registered switch of its choice.

Transaction Date................................................................................................................................................286

Contactless Transactions..................................................................................................................................286

Contactless Transit Aggregated Transactions.........................................................................................288

Contactless-only Transactions....................................................................................................................290

Payment Transactions.......................................................................................................................................292

Electronic Commerce Transactions.................................................................................................................294

Digital Secure Remote Payment Transactions..............................................................................................296

Digital Secure Remote Payment Transactions Containing Chip Data................................................ 296

Digital Secure Remote Payment Transactions Containing Digital Payment Data........................... 298

Merchant-initiated Transactions following Digital Secure Remote Payment Transactions............ 300

Mastercard Biometric Card Program Transactions......................................................................................301

Transaction Type Identifier (TTI)......................................................................................................................302

Merchant Country of Origin..............................................................................................................................302

China Deposit Transactions..............................................................................................................................302

China Funds Transfer Transactions.................................................................................................................303

Cardholder-initiated Transactions (CITs)....................................................................................................... 305

Merchant-initiated Transactions (MITs)......................................................................................................... 306

Transaction Identification Requirements

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Transaction Date

The Transaction date appearing in DE 12 (Date and Time, Local Transaction) is specified as

follows.

For the following Transaction… The Transaction date is the date on which…

Face-to-Face The products or services are exchanged.

Non–Face-to-Face The products are shipped or services performed.

Vehicle Rental The vehicle is returned, or, if applicable, the prepayment date.

Lodging Checkout occurred, or if applicable, the prepayment date.

No-show The Cardholder was expected to arrive at the lodging merchant

and failed to appear.

Airline/Railway The airline or railway ticket was issued.

Cruise Line The transportation documents were issued.

On-board Cruise Line The passenger disembarks.

Refund The Merchant grants a credit or price adjustment.

All In-Flight Commerce Transactions

except those involving mailed

purchases

The flight departs from the originating city. The Transaction date

for in-flight commerce mailed purchases is the shipment date

unless otherwise disclosed to the Cardholder.

Mastercard Contactless Transit

Aggregated

One or more contactless taps performed with one Mastercard

Account and occurring at one transit Merchant are aggregated in

a First Presentment/1240 message.

Maestro Contactless Transit

Aggregated

A Financial Transaction Request/0200 (or in the Europe Region, an

Authorization Request/0100) message is sent for an estimated or

maximum amount in connection with the use of one Maestro

Account at one transit Merchant.

Card-not-present purchase

aggregation (U.S. Region only)

The Cardholder’s multiple individual purchases involving one

Mastercard Account that occurred at a Merchant registered in the

Mastercard Micropayment Solution are aggregated by the

Merchant into a total Transaction amount and submitted to the

Acquirer.

Contactless Transactions

The Acquirer must identify each Contactless Transaction with the following values.

A Transaction must not be identified as a Contactless Transaction if the Card information is

contact chip-read, magnetic stripe-read, or key-entered. In addition, a Transaction must not be

Transaction Identification Requirements

Transaction Date

Transaction Processing Rules • 11 June 2024

286

identified as a Maestro Contactless Transaction if the Card information is contactless magnetic

stripe-read, except in Brazil with respect to Maestro Magnetic Stripe Mode Contactless

Transactions (referred to herein as "Maestro Magstripe").

Table 8: Contactless Transaction Values for Authorization Request/0100 or Financial Transaction Request/

0200 Messages

Data Element Subfield Value

22 (Point of Service [POS]

Entry Mode

1 (POS Terminal PAN Entry

Mode)

One of the following:

• 07 (PAN auto-entry via contactless M/Chip)

• 91 (PAN auto-entry via contactless magnetic

stripe—the full track data had been read from

the data on the card and transmitted within

the authorization request in DE 35 [Track 2

Data] or DE 45 [Track 1 Data] without

alteration or truncation)

61 (Point-of-Service [POS]

Data)

11 (POS Card Data

Terminal Input Capabilities)

One of the following:

• 3 (Contactless M/Chip)

• 4 (Contactless Magnetic Stripe)

Table 9: Contactless Transaction Values for First Presentment/1240 Messages

Data Element Subfield Value

22 (Point of Service Data

Code)

1 (Terminal Data: Card

Data Capability)

One of the following:

• A (Contactless Magnetic Stripe [Proximity

Chip])

• M (Contactless EMV/Chip [Proximity Chip])

7 (Card Data: Input Mode) One of the following:

• A (PAN auto-entry via contactless magnetic

stripe)

• M (PAN auto-entry via contactless M/Chip)

Transaction Identification Requirements

Contactless Transactions

Transaction Processing Rules • 11 June 2024

287

Contactless Transit Aggregated Transactions

The Acquirer must identify each Contactless transit aggregated Transaction with the following

values.

Table 10: Contactless Transit Aggregated Transaction Values for Authorization Request/0100 or Financial

Transaction Request/0200 Messages

Data Element Subfield Value

18 (Merchant Type) One of the following:

• 4111 (Transportation - Suburban and Local

Commuter Passenger, including Ferries)

• 4131 (Bus Lines)

• 4784 (Bridge and Road Fees, Tolls)

22 (Point-of-Service [POS]

Entry Mode)

1 (POS Terminal PAN Entry

Mode)

Any of the values shown in "Contactless

Transaction Values for Authorization Request/

0100 or Financial Transaction Request/0200

Messages."

NOTE: Additionally, the value of 82 appears in

Contactless debt repayment Transactions.

48 (Additional Data -

Private Use)

1 (Transaction Category

Code [TCC])

X (Airline and Other Transportation Services)

48 (Additional Data -

Private Use), subelement 64

(Transit Program)

1 (Transit Transaction Type) One of the following:

• 03 (Post-authorized Aggregated)

• 05 (Other)

NOTE: This value is only for contactless

transit aggregated Transactions occurring at

U.S. Region Merchant locations.

• 06 (Post-authorized Aggregated Maestro)

61 (Point-of-Service [POS]

Data

1 (POS Terminal

Attendance)

1 (Unattended terminal)

3 (POS Terminal Location) 0 (On premises of merchant facility)

4 (POS Cardholder

Presence)

0 (Cardholder present)

5 (POS Card Presence) 0 (Card present)

6 (POS Card Capture

Capabilities)

0 (Terminal/Operator has no card capture

capability)

Transaction Identification Requirements

Contactless Transit Aggregated Transactions

Transaction Processing Rules • 11 June 2024

288

Data Element Subfield Value

7 (POS Transaction Status) One of the following:

• 0 (Normal request)

• 1 (Deferred authorization)

NOTE: This value is only for contactless

transit aggregated Transactions occurring at

U.S. Region Merchant locations.

• 4 (Pre-authorized request)

10 (Cardholder-Activated

Terminal Level)

0 (Not a CAT transaction)

11 (POS Card Data

Terminal Input Capability)

One of the following:

• 3 (Contactless M/Chip)

• 4 (Contactless Magnetic Stripe)

Table 11: Contactless Transit Aggregated Transaction Values for First Presentment/1240 Messages

Data Element/PDS Subfield Value

22 (Point of Service Data

Code)

1 (Terminal Data: Card

Data Capability)

One of the following:

• A (PAN auto-entry via contactless magnetic

stripe)

• M (PAN auto-entry via contactless M/Chip)

3 (Terminal Data: Card

Capture Capability)

0 (No capture capability)

4 (Terminal Operating

Environment)

2 (On merchant premises; unattended terminal)

5 (Card Present Data) 0 (Cardholder present)

6 (Card Present Data) 1 (Card present)

7 (Card Data: Input Mode) One of the following:

• A (PAN auto-entry via contactless magnetic

stripe)

• M (PAN auto-entry via contactless M/Chip)

26 (Merchant Business

Code [MCC])

One of the following:

• 4111 (Transportation-Suburban and Local

Commuter Passenger, including Ferries)

• 4131 (Bus Lines)

• 4784 (Bridge and Road Fees, Tolls)

Transaction Identification Requirements

Contactless Transit Aggregated Transactions

Transaction Processing Rules • 11 June 2024

289

Data Element/PDS Subfield Value

PDS 0210 (Transit

Transaction Program)

1 (Transit Transaction Type) One of the following:

• 03 (Post-authorized Aggregated)

• 05 (Other) - effective 15 August 2022, applies

to contactless transit aggregated Transactions

occurring at U.S. Region Merchant locations

• 06 (Post-authorized Aggregated Maestro)

Contactless-only Transactions

The Acquirer must identify each Contactless-only Transaction with the following values.

Table 12: Contactless-Only Transaction Values for Authorization Request/0100 or Financial Transaction

Request/0200 Messages

Data Element Subfield Value

18 (Merchant Type) An MCC approved to be Contactless-only as

published by Mastercard from time to time.

22 (Point-of-Service [POS]

Entry Mode)

1 (POS Terminal PAN Entry

Mode)

Any of the values shown in "Contactless

Transaction Values for Authorization Request/

0100 or Financial Transaction Request/0200

Messages."

61 (Point-of-Service [POS]

Data

1 (POS Terminal

Attendance)

1 (Unattended terminal)

3 (POS Terminal Location) One of the following:

• 0 (On premises of merchant facility)

• 1 (Off premises of merchant facility [merchant

terminal - remote location])

4 (POS Cardholder

Presence)

0 (Cardholder present)

5 (POS Card Presence) 0 (Card present)

7 (POS Transaction Status) 0 (Normal request)

10 (Cardholder-Activated

Terminal Level)

One of the following:

• 1 (Authorized Level 1 CAT: Automated

dispensing machine with PIN)

• 2 (Authorized Level 2 CAT: Self-service

terminal)

• 3 (Authorized Level 3 CAT: Limited-amount

terminal)

Transaction Identification Requirements

Contactless-only Transactions

Transaction Processing Rules • 11 June 2024

290

Data Element Subfield Value

11 (POS Card Data

Terminal Input Capability)

One of the following:

• 3 (Contactless M/Chip)

• 4 (Contactless Magnetic Stripe)

Table 13: Contactless-Only Transaction Values for First Presentment/1240 Messages

Data Element Subfield Value

22 (Point of Service Data

Code)

1 (Terminal Data: Card

Data Capability)

One of the following:

• A (PAN auto-entry via contactless magnetic

stripe)

• M (PAN auto-entry via contactless M/Chip)

4 (Terminal Operating

Environment)

One of the following:

• 2 (On merchant premises; unattended

terminal)

• 4 (Off merchant premises; unattended)

• 6 (Off cardholder premises; unattended)

5 (Card Present Data) 0 (Cardholder present)

6 (Card Present Data) 1 (Card present)

7 (Card Data: Input Mode) One of the following:

• A (PAN auto-entry via contactless magnetic

stripe)

• M (PAN auto-entry via contactless M/Chip)

26 (Merchant Business

Code [MCC])

An MCC approved to be contactless-only as

published by Mastercard from time to time.

Transaction Identification Requirements

Contactless-only Transactions

Transaction Processing Rules • 11 June 2024

291

Payment Transactions

The Acquirer must identify each Payment Transaction, MoneySend Payment Transaction, and

Gaming Payment Transaction, as applicable, with the following values.

Table 14: Payment Transaction Values for Authorization Request/0100 or Financial Transaction Request/

0200 Messages

Data Element Subfield Value

3 (Processing Code) 1 (Cardholder Transaction

Type)

18 (Merchant Type) One of the following for Payment Transactions:

• 6532 for a Payment Transaction processed by

a Customer or its authorized agent.

• 6533 for a Payment Transaction processed by

a Merchant.

• 7800 for Gaming Payment Transactions

(Government-owned Lottery, U.S. Region only)

• 7801 for Gaming Payment Transactions

(Internet Gambling, U.S. Region only)

• 7802 for Gaming Payment Transactions

(Government Licensed Horse/Dog Racing, U.S.

Region only)

• 7994 for Gaming Payment Transactions (Video

Game Arcades/Establishments)

• 7995 for Gaming Payment Transactions

(Gambling Transactions, Europe, MEA, and U.S.

Regions only)

• A value specified for Payment Transactions in

the applicable Customer-to-Customer

intracountry, or intercountry business service

arrangement, if one is in place.

• For MoneySend Payment Transactions, as

described in the MoneySend Program Guide.

• For Payment Transactions (other than

MoneySend Payment Transactions), the

program-defined MCC as described in the

applicable Standards.

48 (Additional Data -

Private Use)

TCC (Transaction Category

Code)

Refer to the Quick Reference Booklet.

Transaction Identification Requirements

Payment Transactions

Transaction Processing Rules • 11 June 2024

292

Data Element Subfield Value

48 (Additional Data -

Private Use)

77 (Payment Transaction

Type Indicator)

Payment Transaction program type identified in

the Customer Interface Specification and the

Single Message System Specifications.

Table 15: Payment Transaction Values for First Presentment/1240 Messages

Data Element Subfield Value

3 (Processing Code) 1 (Cardholder Transaction

Type)

26 (Merchant Business

Code)

As described for DE 18 (Merchant Type) in the

Authorization Request/0100 message

48 (Additional Data -

Private Use)

PDS 0043 (Program

Registration ID)

Payment Transaction program type

The value used for the Payment Transaction program type must be that which best describes

the purpose of the Payment Transaction.

The Acquirer also should provide either the customer service phone number in PDS 0170

(Merchant Inquiry Information), subfield 1 (Customer Service Phone Number) or the URL

address in PDS 0175 (Merchant URL) in the clearing message.

A Payment Transaction Detail addendum may also be submitted with a Payment Transaction.

This addendum provides the Issuer and Cardholder with enhanced data about the Merchant, the

recipient of funds, and other Transaction details.

In the Europe and United States Regions, Customers must refer to the Mastercard Gaming and

Gambling Payments Program Standards for requirements relating to Gaming Payment

Transaction message specifications, including applicable Payment Transaction program type

values.

Transaction Identification Requirements

Payment Transactions

Transaction Processing Rules • 11 June 2024

293

Electronic Commerce Transactions

The Acquirer must identify each electronic commerce Transaction with the following values.

Table 16: Authorization Request/0100, Authorization Advice/0120, Acquirer Reversal Advice/0420, and

Financial Transaction Request/0200 Messages

Data

Element

Subfield or

Subelement Field Value Description

22 01 POS Terminal PAN Entry

Mode

09, 10, or 81 09 = PAN/Token entry via electronic

commerce containing DSRP

cryptogram in DE 55 (Integrated

Circuit Card [ICC] System-Related

Data)

10 = Credential on File

81 = PAN/Token entry via electronic

commerce with optional Identity

Check-AAV or DSRP cryptogram in

UCAF

02 POS Terminal PIN Entry

Mode

2 Terminal does not have PIN entry

capability

48 01 Transaction Category

Code

T Phone, Mail, or Electronic

Commerce Order

42/SF 1 Electronic Commerce

Security Level Indicator

and UCAF Collection

Indicator

As appropriate

61 1 POS Terminal Attendance 1 Unattended terminal (Cardholder-

Activated Terminal [CAT], home PC,

mobile phone, PDA)

3 POS Terminal Location 4 On premises of Card acceptor

facility (Cardholder terminal

including home PC, mobile phone,

PDA)

4 POS Cardholder Presence 4 or 5 4 (Cardholder not present

(standing order/recurring

transactions) [If the Transaction is

the first payment in a recurring

payment arrangement]

5 (Cardholder not present

[electronic order])

5 POS Card Presence 1 Card not present

Transaction Identification Requirements

Electronic Commerce Transactions

Transaction Processing Rules • 11 June 2024

294

Data

Element

Subfield or

Subelement Field Value Description

6 POS Card Capture

Capabilities

0 Terminal/operator does not have

card capture capability

7 POS Transaction Status 0 or 4 0 = Normal request

4 = Preauthorized request

8 POS Transaction Security 0 No security concern

10 Cardholder-Activated

Terminal Level

6 Authorized Level 6 CAT: Electronic

Commerce

11 POS Card Data Terminal

Input Capability Indicator

6 Terminal supports key entry input

only

Table 17: First Presentment/1240 Message

Data

Element

Subfield or

Subelement Field Value Description

22 1 Terminal Data: Card Data

Input Capability

6 Terminal supports key entry input

only

2 Terminal Data:

Cardholder

Authentication Capability

0 No electronic authentication

capability

3 Terminal Data: Card

Capture Capability

0 No capture capability

4 Terminal Operating

Environment

2 On acceptor premises; unattended

terminal

5 Cardholder Present Data 4 or 5 4 (Cardholder not present

(standing order/recurring

transactions) [If the Transaction is

the first payment in a recurring

payment arrangement]

5 (Cardholder not present

[electronic order])

6 Card Present Data 0 Card not present

Transaction Identification Requirements

Electronic Commerce Transactions

Transaction Processing Rules • 11 June 2024

295

Data

Element

Subfield or

Subelement Field Value Description

7 Card Data: Input Mode 7, R, or S 7 = Credential on File

R = PAN/Token entry via Electronic

commerce containing DSRP

cryptogram in DE 55 (Integrated

Circuit Card [ICC] System-Related

Data)

S = Electronic commerce

12 PIN Capture Capability 0 No PIN capture capability

PDS 0023 Terminal Type CT6 CAT Level 6 (Electronic commerce

transaction)

PDS 0052 Electronic Commerce

Security Level Indicator

As appropriate

Digital Secure Remote Payment Transactions

A Digital Secure Remote Payment Transaction is an electronic commerce Transaction that

contains cryptographic information, in the form of either full EMV chip data passed in DE 55 or

a cryptographic value derived from an M/Chip cryptogram passed in the Digital Payment Data

field. Subsequent to the initial Digital Secure Remote Payment Transaction, a related

Transaction for a partial shipment may occur, in which case cryptographic information is not

passed. When a Digital Secure Remote Payment Transaction contains tokenized account

information, the Mastercard Digital Enablement Service performs token mapping and

cryptographic validation services.

Digital Secure Remote Payment Transactions Containing Chip Data

Table 18: Authorization Request/0100 and Financial Transaction Request/0200 Messages

Data Element Subfield or Subelement Value

22 (Point-of-Service [POS]

Entry Mode)

1 (POS Terminal PAN Entry

Mode)

09 (PAN/Token entry via electronic commerce

containing DSRP cryptogram in DE 55 [Integrated

Circuit Card [ICC] System-Related Data])

Transaction Identification Requirements

Digital Secure Remote Payment Transactions

Transaction Processing Rules • 11 June 2024

296

Data Element Subfield or Subelement Value

48 (Additional Data -

Private Use)

33 (PAN Mapping File

Information)

Present when the Mastercard Digital Enablement

Service performs token mapping.

71 (On-behalf Services) Present when the Mastercard Digital Enablement

Service performs token mapping:

• Subfield 1 (On-behalf [OB] Service) = 50

(Mastercard Digital Enablement Service PAN

Mapping); and

• Subfield 2 (On-behalf [OB] Result 1) = C

(Conversion of Token to PAN completed

successfully)

71 (On-behalf Services) Present when the Mastercard Digital Enablement

Service performs cryptographic validation:

• Subfield 1 = 51 (Mastercard Digital

Enablement Service Chip Pre-Validation); and

• Subfield 2 = V (Valid)

55 (Integrated Circuit Card

[ICC] System-Related Data)

Contains chip data formatted in accordance with

EMV specifications.

61 (Point-of-Service [POS]

Data)

3 (POS Terminal Location) One of the following:

• 2 (Off premises of card acceptor facility

[cardholder terminal including home PC, mobile

phone, PDA]); or

• 4 (On premises of card acceptor facility

[cardholder terminal including home PC, mobile

phone, PDA])

4 (POS Cardholder

Presence)

5 (Electronic order [home PC, Internet, mobile

phone, PDA])

10 (Cardholder-Activated

Terminal Level)

6 (Authorized Level 6 CAT: Electronic commerce)

Transaction Identification Requirements

Digital Secure Remote Payment Transactions Containing Chip Data

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Table 19: First Presentment/1240 Messages

Data Element Subfield or PDS Value

22 (Point-of-Service [POS]

Data Code)

4 (Terminal Operating

Environment)

One of the following:

• 2 (On card acceptor premises; unattended

terminal); or

• 4 (Off card acceptor premises; unattended)

5 (Cardholder Present

Data)

5 (Cardholder not present [electronic order (PC,

Internet, mobile phone, or PDA)])

7 (Card Data: Input Mode) R (PAN Entry via electronic commerce, including

remote chip)

48 (Additional Data) PDS 0023 (Terminal Type) CT 6 (CAT level 6 [electronic commerce

transaction])

55 (Integrated Circuit Card

[ICC] System-Related Data)

Contains chip data formatted in accordance with

EMV specifications.

Digital Secure Remote Payment Transactions Containing Digital Payment Data

Table 20: Authorization Request/0100 and Financial Transaction Request/0200 Messages

Data Element Subfield or Subelement Value

22 (Point-of-Service [POS]

Entry Mode)

1 (POS Terminal PAN Entry

Mode)

One of the following:

• 10 (Credential-on-file)

• 81 (PAN/Token entry via electronic commerce

with optional Identity Check AAV or DSRP

cryptogram in UCAF)

Transaction Identification Requirements

Digital Secure Remote Payment Transactions Containing Digital Payment Data

Transaction Processing Rules • 11 June 2024

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Data Element Subfield or Subelement Value

48 (Additional Data -

Private Use)

33 (PAN Mapping File

Information)

Present when the Mastercard Digital Enablement

Service performs token mapping.

42 (Electronic Commerce

Indicators), subfield 1

(Electronic Commerce

Security Level Indicator and

UCAF Collection Indicator)

All of the following:

• Position 1 = 2

• Position 2 = 4

• Position 3 = 2 or 6

71 (On-behalf Services) Present when the Mastercard Digital Enablement

Service performs token mapping:

• Subfield 1 (On-behalf [OB] Result 1) = 50

(Mastercard Digital Enablement Service PAN

Mapping); and

• Subfield 2 (On-behalf [OB] Service) = C

(Conversion of Token to PAN completed

successfully)

71 (On-behalf Services) Present when the Mastercard Digital Enablement

Service performs cryptographic validation:

• Subfield 1 = 51 (Mastercard Digital

Enablement Service Chip Pre-Validation); and

• Subfield 2 = V (Valid)

61 (Point-of-Service [POS]

Data)

3 (POS Terminal Location) One of the following:

• 2 (Off premises of card acceptor facility

[cardholder terminal including home PC, mobile

phone, PDA]); or

• 4 (On premises of card acceptor facility

[cardholder terminal including home PC, mobile

phone, PDA])

4 (POS Cardholder

Presence)

5 (Electronic order [home PC, Internet, mobile

phone, PDA])

10 (Cardholder-Activated

Terminal Level)

6 (Authorized Level 6 CAT: Electronic commerce)

DE 104 (Digital Payment

Data)

001 (Digital Payment

Cryptogram)

Contains the DSRP cryptogram

Transaction Identification Requirements

Digital Secure Remote Payment Transactions Containing Digital Payment Data

Transaction Processing Rules • 11 June 2024

299

Table 21: First Presentment/1240 Messages

Data Element Subfield or PDS Value

22 (Point-of-Service [POS]

Data Code)

4 (Terminal Operating

Environment)

One of the following:

• 2 (On card acceptor premises; unattended

terminal); or

• 4 (Off card acceptor premises; unattended)

5 (Cardholder Present

Data)

5 (Cardholder not present [electronic order (PC,

Internet, mobile phone, or PDA)])

7 (Card Data: Input Mode) S (Electronic commerce)

48 (Additional Data) PDS 0023 (Terminal Type) CT 6 (CAT level 6 [electronic commerce

transaction])

PDS 0052 (Electronic

Commerce Security Level

Indicator)

All of the following:

• Position 1 = 2

• Position 2 = 4

• Position 3 = 2 or 6

Merchant-initiated Transactions following Digital Secure Remote Payment Transactions

Table 22: Authorization Request/0100 and Financial Transaction Request/0200 Messages

Data Element Subfield or Subelement Value

22 (Point-of-Service [POS]

Entry Mode)

1 (POS Terminal PAN Entry

Mode)

10 (Credential-on-file) or 81 (PAN entry via

electronic commerce, including chip)

48 (Additional Data -

Private Use)

33 (PAN Mapping File

Information)

Present when the Mastercard Digital Enablement

Service performs token mapping.

42 (Electronic Commerce

Indicators), Subfield 1

(Electronic Commerce

Security Level Indicator and

UCAF Collection Indicator)

All of the following:

• Position 1 = 2

• Position 2 = 4

• Position 3 = 7

NOTE: Liability will depend on whether

cryptographic data was present matching initial

DSRP transaction.

Transaction Identification Requirements

Merchant-initiated Transactions following Digital Secure Remote Payment Transactions

Transaction Processing Rules • 11 June 2024

300

Data Element Subfield or Subelement Value

71 (On-behalf Services) Present when the Mastercard Digital Enablement

Service performs token mapping:

• Subfield 1 (On-behalf [OB] Service) = 50

(Mastercard Digital Enablement Service PAN

Mapping); and

• Subfield 2 (On-behalf [OB] Result 1) = C

(Conversion of Token to PAN completed

successfully)

NOTE: Value 51 (Mastercard Digital Enablement

Service Chip Pre-Validation) does not appear in a

partial shipment or recurring payment.

Table 23: First Presentment/1240 Messages

Data Element Subfield or PDS Value

22 (Point-of-Service [POS]

Data Code)

4 (Terminal Operating

Environment)

One of the following:

• 2 (On card acceptor premises; unattended

terminal); or

• 4 (Off card acceptor premises; unattended)

5 (Cardholder Present

Data)

5 (Cardholder not present [electronic order (PC,

Internet, mobile phone, or PDA)])

7 (Card Data: Input Mode) S (Electronic commerce)

48 (Additional Data) PDS 0023 (Terminal Type) CT 6 (CAT level 6 [electronic commerce

transaction])

PDS 0052 (Electronic

Commerce Security Level

Indicator

All of the following:

• Position 1 = 2

• Position 2 = 4

• Position 3 = 7

Mastercard Biometric Card Program Transactions

A biometric Card Transaction with successful biometric Cardholder verification is identified as

follows:

• Byte 1, bit 5 of Tag 82 (Application Interchange Profile) is set to “0”

• The Cardholder verification results (CVR) present in DE 55, specifically:

Transaction Identification Requirements

Mastercard Biometric Card Program Transactions

Transaction Processing Rules • 11 June 2024

301

– Byte 1, bit 1 will contain a value of 1 to reflect that biometric was successful.

– Byte 2, bit 2 will contain a value of 1 to reflect that biometric was used.

Transaction Type Identifier (TTI)

The Transaction Type Identifier (TTI), when present in a Transaction message, must contain a

value that is valid and that most accurately describes the purpose for which the Transaction is

being conducted. A TTI value must not be used for any purpose other than as set forth in the

applicable Standards, including but not limited to the following:

• Customer Interface Specification

• Single Message System Specifications

• IPM Clearing Formats

• Mastercard Gaming and Gambling Payments Program Standards

• Mastercard MoneySend and Funding Transactions Program Standards

The TTI value is populated in DE 48, subelement 77 of Authorization Request/0100 messages

and Financial Transaction Request/0200 messages and in PDS 0043 of First Presentment/1240

messages.

The following TTI values are no longer valid and must not appear in Transaction messages:

• C01 = Person-to-Person

• C05 = Payment Transaction for a reason other than those defined in values C01–C04

• C09 = Card Activation

Merchant Country of Origin

The Acquirer must populate the Merchant Country of Origin in each Transaction conducted by a

Government Controlled Merchant, whether such country is the same as or different from the

country in which the Merchant is located or the Transaction occurs, (a) in DE 48 (Additional

Data—Private Use), subelement 37 (Additional Merchant Data), subfield 4 (Home Country ID)

of Authorization Request/0100 and Authorization Advice/0120 messages, and (b) in PDS 0213

(Home Country ID) in First Presentment/1240 messages.

China Deposit Transactions

In China, the following Transaction Identification Requirements apply.

The Acquirer must identify each China Domestic Deposit Transaction with the following values.

Transaction Identification Requirements

Transaction Type Identifier (TTI)

Transaction Processing Rules • 11 June 2024

302

Table 24: China Domestic Deposit Transaction Values for Financial Transaction Request/0200 Messages

Data Element Subfield Value

3 (Processing Code) 1 (Cardholder Transaction

Type)

21 (Deposit)

61 (Point of Service [POS]

Data)

7 (POS Transaction Status) 0 (Normal Request)

China Funds Transfer Transactions

In China, the following Transaction identification requirements apply.

The Originating Institution (Acquirer) must identify each China Funds Transfer Request with the

following values.

Table 25: China Funds Transfer Request Values for Financial Transaction Request/0200 Messages

Data Element Subfield Value

3 (Processing Code) 1 (Cardholder Transaction

Type)

10 (Funds Transfer - Funding)

25 (Point of Service

Condition Code)

(Used for Payer Paid Funds Transfer)

66 (Used for Payee Paid Funds Transfer)

48 (Additional Data) 77 (Transaction Type

Identifier)

D01 (Person to Person)

61 (Point of Service [POS]

Data)

7 (POS Transaction Status) 0 (Normal Request)

102 (Account

Identification-1)

Account Number of the Sending Account

103 (Account

Identification-2)

Account Number of the Receiving Account

112 (Additional Data, China

Use)

050 (Cardholder

Identification Information)

If DE 25 equals 00, the Institution Region Code for

the Receiving Institution (subfield 06) is

mandatory

China Switch identifies each China Funds Transfer Funding Transaction with the following

values.

Transaction Identification Requirements

China Funds Transfer Transactions

Transaction Processing Rules • 11 June 2024

303

Table 26: China Funds Transfer Funding Transaction Values for Financial Transaction Request/0200

Messages

Data Element Subfield Value

3 (Processing Code) 1 (Cardholder Transaction

Type)

10 (Funds Transfer - Funding)

25 (Point of Service

Condition Code)

00 (Used for Payer Paid Funds Transfer)

66 (Used for Payee Paid Funds Transfer)

48 (Additional Data) 77 (Transaction Type

Identifier)

D01 (Person to Person)

61 (Point of Service [POS]

Data)

7 (POS Transaction Status) 0 (Normal Request)

102 (Account

Identification-1)

Account Number of the Sending Account

103 (Account

Identification-2)

Account Number of the Receiving Account

112 (Additional Data, China

Use)

050 (Cardholder

Identification Information)

If DE 25 equals 00, the Institution Region Code for

the Receiving Institution (subfield 06) is

mandatory

China Switch identifies each China Funds Transfer Payment Transaction with the following

values.

Table 27: China Funds Transfer Payment Transaction for Financial Transaction Request/0200

Data Element Subfield Value

3 (Processing Code) 1 (Cardholder Transaction

Type)

28 (Funds Transfer – Payment Transaction)

25 (Point of Service

Condition Code)

00 (Used for Payer Paid Funds Transfer)

66 (Used for Payee Paid Funds Transfer)

48 (Additional Data) 77 (Transaction Type

Identifier)

D01 (Person to Person)

102 (Account

Identification-1)

Account Number of the Sending Account

103 (Account

Identification-2)

Account Number of the Receiving Account

Transaction Identification Requirements

China Funds Transfer Transactions

Transaction Processing Rules • 11 June 2024

304

Data Element Subfield Value

112 (Additional Data, China

Use)

050 (Cardholder

Identification Information)

If DE 25 equals 00, the Institution Region Code for

the Receiving Institution (subfield 06) is

mandatory

Cardholder-initiated Transactions (CITs)

The Acquirer must provide a Cardholder-initiated Transaction (CIT) value in Authorization

Request/0100 and Financial Transaction Request/0200 messages, in addition to populating all

other required data, when the Transaction occurs in an e-commerce environment and the

Cardholder is authorizing the Merchant to store the credential for subsequent use.

These values may optionally be used in CITs occurring in other acceptance environments. When

populated in an Authorization Request/0100 message, the same value may also be provided in

the First Presentment/1240 message.

Table 28: Authorization Request/0100 and Financial Transaction Request/0200 Messages

Data Element/

Subelement Value Use this value when… Examples

DE 48, subelement 22

(Multi-purpose Merchant

Indicator) subfield 5

(Cardholder/Merchant

Initiated Transaction

Indicator)

C101 (Credential-on-file

[ad hoc])

The Cardholder is

authorizing the Merchant

to store the Cardholder's

Account data for

subsequent use in

connection with one or

more later Transaction(s)

with that Merchant (a

"COF arrangement").

The Cardholder initiates a

purchase and agrees that

the Merchant may store

the credential for future

purchases.

C102 (Standing Order

[variable amount/fixed

frequency])

The Cardholder is

agreeing to a COF

arrangement with the

Merchant for a series of

recurring payments of

variable amount and

fixed frequency and is

initiating the first

payment.

The Cardholder initiates

the first in a series of

monthly utility payments,

where the amounts will

vary based on electricity

consumption.

Transaction Identification Requirements

Cardholder-initiated Transactions (CITs)

Transaction Processing Rules • 11 June 2024

305

Data Element/

Subelement Value Use this value when… Examples

C103 (Subscription [fixed

amount/fixed frequency])

The Cardholder is

agreeing to a COF

arrangement with the

Merchant for a series of

recurring payments fixed

amount and fixed

frequency and is initiating

the first payment. The

subscription arrangement

may include an allowance

for price changes to occur

from time to time.

The Cardholder initiates

the first in a series of

quarterly newspaper

subscription payments of

fixed amounts.

C104 (Installment) The Cardholder has

expressly authorized a

COF arrangement with

the Merchant for an

installment billing plan

and is initiating the first

payment. The installment

billing must be for a single

purchase of goods or

services with a known

amount and set frequency

over a specified duration.

The Cardholder agrees to

enter into an installment

billing plan for the

purchase of a television

and to make the first

payment.

Table 29: First Presentment/1240 Messages

Data Element/PDS Value

PDS 0218 (Cardholder/Merchant

Initiated Transaction Indicator)

One of the following:

• C101 (Credential-on-file [ad hoc])

• C102 (Standing Order [variable amount/fixed frequency])

• C103 (Subscription [fixed amount/fixed frequency])

• C104 (Installment)

Refer to Table 28 for usage information.

Merchant-initiated Transactions (MITs)

The Acquirer must identify each Merchant-initiated Transaction (MIT) in Authorization Request/

0100 and Financial Transaction Request/0200 messages with one of the following values as

Transaction Identification Requirements

Merchant-initiated Transactions (MITs)

Transaction Processing Rules • 11 June 2024

306

applicable, in addition to populating all other required data. The value of M1XX means

"Merchant-initiated recurring payment or installment" and the value of M2XX means

"Merchant-initiated industry practice." When populated in an Authorization Request/0100

message, the same value may also be provided in the First Presentment/1240 message.

Table 30: Authorization Request/0100 and Financial Transaction Request/0200 Messages

Data Element/

Subelement Value Use this value when… Examples

DE 48, subelement 22

(Multi-purpose Merchant

Indicator), subfield 5

(Cardholder/Merchant

Initiated Transaction

Indicator)

M101 (Unscheduled

Credential-on-file)

The Cardholder has

expressly authorized the

Merchant to store the

Cardholder's Account

data for subsequent use

in connection with one or

more later

Transaction(s) with that

Merchant (a "COF

arrangement").

The Merchant initiates a

Transaction to "topup"

the Cardholder's tollway

account based on a

prearranged reload

schedule.

M102 (Standing Order

[variable amount/fixed

frequency])

The Cardholder has

expressly authorized a

COF arrangement with

the Merchant for a

series of recurring

payments of variable

amount and fixed

frequency.

The Merchant initiates a

Transaction for the

Cardholder's next

monthly utility payment.

M103 (Subscription

[fixed amount/fixed

frequency])

The Cardholder has

expressly authorized a

COF arrangement with

the Merchant for a

series of recurring

payments of fixed

amount and fixed

frequency, which may

include an allowance for

price changes to occur

from time to time.

The Merchant initiates a

Transaction for the

Cardholder's next

quarterly newspaper

subscription payment.

Transaction Identification Requirements

Merchant-initiated Transactions (MITs)

Transaction Processing Rules • 11 June 2024

307

Data Element/

Subelement Value Use this value when… Examples

M104 (Installment) The Cardholder has

expressly authorized a

COF arrangement for an

installment billing plan

relating to a single

purchase of goods or

services with a known

amount and set

frequency over a

specified duration.

The Merchant initiates a

Transaction for the

Cardholder's next

biweekly installment

payment for the

purchase of a television.

M205 (Partial

Shipment)

One or more items in the

Cardholder's purchase

order was out of stock

at the time that the

Cardholder initiated

payment. The Merchant

initiates a separate

Transaction for the

remaining items when

ready to be shipped.

The Cardholder originally

ordered a hat and

sunglasses, but the hat

was out of stock. The

Cardholder completes

the purchase of the

sunglasses and agrees

to wait for the hat to be

restocked. The Merchant

initiates a partial

shipment Transaction

for the hat when back in

stock.

M206 (Related/Delayed

Charge)

After completing a

payment, the

Cardholder owes an

additional amount to

the Merchant based on

the original Transaction

terms.

The Merchant initiates a

related/delayed charge

Transaction for mini-bar

charges after the

Cardholder has checked

out of the hotel.

M207 (No-show) Under the Merchant's

guaranteed reservation

service policy, the

Cardholder owes a no-

show fee.

The Merchant initiates a

Transaction to collect a

no-show fee when the

Cardholder does not

cancel a guaranteed

reservation within the

previously disclosed

cancellation time frame.

Transaction Identification Requirements

Merchant-initiated Transactions (MITs)

Transaction Processing Rules • 11 June 2024

308

Data Element/

Subelement Value Use this value when… Examples

M208 (Resubmission) The Merchant's previous

attempt to obtain

authorization for a

Transaction was

declined but the Issuer's

response does not

prohibit the Merchant

from trying again later.

• The Merchant

initiates an

authorization

request after

receiving a previous

"insufficient funds/

over credit limit"

response.

• The Merchant

initiates a transit

debt recovery

Transaction.

Table 31: First Presentment/1240 Message

Data Element/PDS Value

PDS 0218 (Cardholder/Merchant

Initiated Transaction Indicator)

One of the following:

• M101 (Unscheduled Credential-on-file)

• M102 (Standing Order [variable amount/fixed frequency])

• M103 (Subscription [fixed amount/fixed frequency])

• M104 (Installment)

• M205 (Partial Shipment)

• M206 (Related/Delayed Charge)

• M207 (No-show)

• M208 (Resubmission)

Refer to Table 30 for usage information.

Transaction Identification Requirements

Merchant-initiated Transactions (MITs)

Transaction Processing Rules • 11 June 2024

309

Appendix D Cardholder-Activated Terminal (CAT)

Transactions

This appendix provides requirements for the use of CAT level indicators and the processing of Mastercard

POS Transactions at Cardholder-Activated Terminals (CATs).

CAT Transactions................................................................................................................................................311

CAT Level Requirements....................................................................................................................................311

Dual Capability for CAT 1 and CAT 2........................................................................................................ 312

CAT Level 1: Automated Dispensing Machines (CAT 1).........................................................................312

CAT Level 2: Self-Service Terminal (CAT 2).............................................................................................. 313

CAT Level 3: Limited Amount Terminals (CAT 3).....................................................................................314

CAT Level 4: In-Flight Commerce (IFC) Terminals (CAT 4)....................................................................315

CAT Level 6: Electronic Commerce Transactions (CAT 6)......................................................................318

CAT Level 7: Transponder Transactions (CAT 7)......................................................................................318

CAT Level 9: Mobile POS (MPOS) Acceptance Device Transactions (CAT 9).....................................319

Cardholder-Activated Terminal (CAT) Transactions

Transaction Processing Rules • 11 June 2024

310

CAT Transactions

The requirements in these Cardholder-Activated Terminal (CAT) Rules apply to Mastercard POS

Transactions only, with the following exceptions:

• CAT 6 must be used to identify all electronic commerce Transactions; and

• CAT 9 must be used to identify all Transactions occurring at a Mobile POS (MPOS) Terminal,

whether attended or unattended.

An Acquirer may, at its option, use CAT 1 to identify any Transaction at an unattended Terminal

where PIN is required, such as an ATM Terminal.

A CAT Transaction must be identified with the appropriate CAT level indicator value in

authorization and clearing messages as follows:

• CAT Level 1: Automated Dispensing Machines (CAT 1)

• CAT Level 2: Self-Service Terminals (CAT 2)

• CAT Level 3: Limited Amount Terminals (CAT 3)

• CAT Level 4: In-Flight Commerce Terminals (CAT 4)

• CAT Level 6: Electronic Commerce Transactions (CAT 6)

• CAT Level 7: Transponder Transactions (CAT 7)

• CAT Level 9: Mobile POS (MPOS) Acceptance Device Transactions (CAT 9)

In Authorization Request/0100 and Authorization Request Response/0110 messages, the CAT

level indicator is located in DE 61 (Point-of-Service Data), subfield 10 (Cardholder-Activated

Terminal Level). In First Presentment/1240, Chargeback/1442, Second Presentment/1240, and

Arbitration Chargeback/1442 messages, the CAT level indicator is located in PDS 0023

(Terminal Type). For additional requirements, see the Customer Interface Specification and the

IPM Clearing Formats manuals.

The First Presentment/1240 message of a CAT Transaction must contain one of the following

values in DE 22 (Point of Service Data Code), subfield 7 (Card Data: Input Mode):

• A - (PAN auto-entry via contactless magnetic stripe)

• B - (Magnetic stripe reader input, with track data captured and passed unaltered; does not

apply to CAT 3)

• C - (Online Chip)

• F - (Offline Chip)

• M - (PAN auto-entry via contactless M/Chip)

• S - (Electronic commerce; applies to CAT 6 only)

• 2 - (Magnetic stripe reader input; applies to CAT 3 only)

CAT Level Requirements

The following requirements apply to the specific CAT levels indicated.

Cardholder-Activated Terminal (CAT) Transactions

CAT Transactions

Transaction Processing Rules • 11 June 2024

311

Dual Capability for CAT 1 and CAT 2

A CAT device may have dual capability as a CAT 1 and a CAT 2. Dual capability allows a CAT

device to identify each Transaction as CAT 1 or CAT 2, depending on the use of PIN (online or

offline) or Consumer Device CVM (CDCVM).

IF… THEN…

A Cardholder is prompted for a PIN or CDCVM and

enters a PIN (online or offline) or completes

CDCVM

The Acquirer must identify the Transaction with the

CAT Level 1 indicator.

A Cardholder is not prompted for a PIN or CDCVM

and does not enter a PIN (online or offline) or does

not complete CDCVM

The Acquirer must identify the Transaction with the

CAT Level 2 indicator.

A CAT device that supports offline PIN, CDCVM or both, but not online PIN, must have dual

capability as a CAT 1 and CAT 2 device and comply with all CAT 2 requirements (including

support of “No CVM”).

A PIN-capable Hybrid POS Terminal identified with MCC 5542 (Fuel Dispenser, Automated) that

has dual capability as a CAT 1 and CAT 2 device should:

• For Mastercard, Debit Mastercard, and Maestro Transactions, always function as a CAT 1

device when a Chip Card is used or a Contactless Transaction occurs for an amount

exceeding the applicable contactless CVM limit; and

• Only function as a CAT 2 device when a Mastercard or Debit Mastercard magnetic stripe

Card is used or a Mastercard, Debit Mastercard, or Maestro Contactless Transaction occurs

for an amount equal to or less than the applicable contactless CVM limit.

For Mastercard and Debit Mastercard Transactions, a PIN-capable Hybrid POS Terminal

identified with MCC 5542 that is located outside of the U.S. Region and:

• Supports offline PIN but not online PIN, may function as a CAT 2 device when a U.S. Region-

issued Chip Card that supports online PIN but not offline PIN is used; or

• If online PIN is supported, may function as a CAT 1 device without dual capability as a CAT 2

device.

CAT Level 1: Automated Dispensing Machines (CAT 1)

The following CVM requirements apply to CAT 1 devices:

1. CAT 1 devices must accept PIN as the CVM.

2. CAT 1 devices must support online PIN and may also support offline PIN and CDCVM.

a. Online PIN is the mandatory CVM for magnetic stripe Transactions.

b. PIN (online or offline) is the mandatory CVM for Contact Chip Transactions.

c. Either online PIN or CDCVM must be used as the CVM for Contactless Transactions.

d. CDCVM is the mandatory CVM for Mastercard Consumer-Presented QR Transactions.

Cardholder-Activated Terminal (CAT) Transactions

Dual Capability for CAT 1 and CAT 2

Transaction Processing Rules • 11 June 2024

312

3. CDCVM must be used as the CVM for Mastercard Consumer-Presented QR Transactions.

4. CAT 1 devices must not support only offline PIN as CVM.

5. CAT 1 devices must not perform CVM fallback.

6. CAT 1 devices must not accept signature or “No CVM” as the CVM.

7. The Standards relating to PIN and key management security apply to CAT 1 devices.

The following authorization requirements apply to CAT 1 devices:

1. All magnetic stripe Transactions, regardless of amount, must be authorized online by the

Issuer.

2. All Mastercard Consumer-Presented QR Transactions, regardless of amount, must be

authorized online by the Issuer.

3. A Chip Transaction must be authorized either online by the Issuer or for a Transaction less

than or equal to USD 200 (EUR 200 in the Europe Region), a Chip Transaction may be

authorized offline by the EMV chip.

4. When PIN is present, the MIP X-Code authorization response must be a decline. The Issuer is

liable for Transactions that are approved under acquirer MIP X-Code, up to the MIP X-Code

limits specified by the Corporation.

The following additionally apply to CAT 1 devices:

1. There is no maximum amount limit.

2. A CAT 1 Hybrid POS Terminal must be capable of performing fallback procedures from chip

to magnetic stripe, unless it is prohibited by a region.

3. CAT 1 devices may support Address Verification Service (AVS) and CVC 2 validation.

4. Chargeback rights apply to Transactions at CAT 1 devices under message reason code 4808,

and do not apply with respect to message reason codes 4837 and 4863.

5. Card retention at CAT 1 devices is not required; however, if the capability is available, the

Merchant may do so only at the Issuer’s specific direction and in accordance with the

procedures set forth in Chapter 5, “Card Recovery and Return Standards,” of the Security

Rules and Procedures manual.

CAT Level 2: Self-Service Terminal (CAT 2)

The following CVM requirements apply to CAT 2 devices:

1. CAT 2 devices must accept “No CVM” as the CVM.

2. CAT 2 devices must not accept signature or PIN (online or offline) as the CVM.

The following authorization requirements apply to CAT 2 devices:

1. All magnetic stripe Transactions, regardless of amount, must be authorized online by the

issuer.

2. A Chip Transaction must be authorized either online by the Issuer or for a Transaction less

than or equal to USD 200 (EUR 200 in the Europe Region), a Chip Transaction may be

authorized offline by the EMV chip.

3. The Issuer is liable for Transactions that are approved under Acquirer MIP X-Code, up to the

MIP X-Code limits specified by Mastercard.

Cardholder-Activated Terminal (CAT) Transactions

CAT Level 2: Self-Service Terminal (CAT 2)

Transaction Processing Rules • 11 June 2024

313

The following additionally apply to CAT 2 devices:

1. There is no maximum amount limit.

2. A CAT 2 Hybrid POS Terminal must be capable of performing fallback procedures from chip

to magnetic stripe, unless it is prohibited by a region.

3. CAT 2 devices may support AVS and CVC 2 validation.

4. Chargeback rights apply to Transactions at CAT 2 devices under message reason codes

4808 and 4837 and do not apply with respect to message reason codes 4840, 4863, and

4871. With respect to Contactless Transactions, an Issuer may use message reason code

4837 if the Transaction amount exceeds the applicable CVM limit.

An Issuer in Taiwan may use message reason code 4837 to charge back a Taiwan Domestic

Transaction at a CAT 2 device identified with one of the below MCCs only if the Transaction

was a magnetic stripe Transaction:

– 4011—Railroads – Freight

– 4111—Transportation – Suburban and Local Commuter Passenger, including Ferries

– 4225—Public Warehousing-Farm Products Refrigerated Goods, Household Goods, and

Storage

– 5399—Miscellaneous General Merchandise

– 5411—Grocery Stores and Supermarkets

– 5422—Freezer and Locker Meat Provisioners

– 5542—Automated Fuel Dispensers

– 5812—Eating Places and Restaurants

– 5814—Fast Food Restaurants

– 5999—Miscellaneous and Specialty Retail Stores

– 7011—Lodging - Hotels, Motels, and Resorts

– 7012—Timeshares

– 7210—Laundry, Cleaning, and Garment Services

– 7278—Buying and Shopping Services and Clubs

– 7512—Automobile Rental Agency

– 7523—Parking Lots and Garages

– 7832—Motion Picture Theaters

– 8062—Hospitals

– 9402—Postal Services - Government Only

5. Card retention at CAT 2 devices is not required; however, if the capability is available, the

Merchant may do so only at the Issuer’s specific direction and in accordance with the

procedures set forth in Chapter 5 of the Security Rules and Procedures manual.

CAT Level 3: Limited Amount Terminals (CAT 3)

The following CVM requirements apply to CAT 3 devices:

1. CAT 3 devices must support “No CVM” as the CVM.

2. CAT 3 devices may support offline PIN CVM for Contact Chip Transactions, in accordance

with the security requirements for PIN and key management.

Cardholder-Activated Terminal (CAT) Transactions

CAT Level 3: Limited Amount Terminals (CAT 3)

Transaction Processing Rules • 11 June 2024

314

3. CAT 3 devices must not support signature as the CVM.

Use of CAT 3 devices is restricted to the following MCCs:

– 4784—Bridges and Road Fees, Tolls

– 7523—Automobile Parking Lots and Garages

– 7542—Car Washes

– 5499—Miscellaneous Food Stores—Convenience Stores, Markets, Specialty Stores (solely

for Contactless-only Transactions)

4. CAT 3 devices may accept Consumer Device CVM (CDCVM) for EMV Mode Contactless

Transactions.

The following authorization requirements apply to CAT 3 devices:

1. The CAT 3 device must not have online capability. Chip Transactions may be authorized

offline by the EMV chip.

2. The CAT 3 device must check the Account number against the Electronic Warning Bulletin

when the device has such capability.

3. X-code processing does not apply.

The following maximum Transaction amount requirements apply to CAT 3 devices:

1. At CAT 3 devices with both contact and contactless payment functionality, the maximum

Transaction amount for Contactless Transactions must be the same as for Contact Chip

Transactions.

2. At Contactless-only CAT 3 devices, the maximum Transaction amount is the CVM limit for

the Merchant location provided in Appendix E.

3. For all CAT 3 Transactions that are Domestic Transactions occurring in Hong Kong SAR and

Macao SAR and identified with MCC 7523 (Automobile Parking Lots and Garages), the

maximum Transaction amount is HKD 500.

4. For all CAT 3 Transactions occurring in the Europe Region, the maximum Transaction

amount is EUR 50, or its local currency equivalent.

5. For all other CAT 3 Transactions, the maximum Transaction amount is USD 40, or its local

currency equivalent.

6. The maximum Transaction amount for a magnetic stripe Transaction, including a Magnetic

Stripe Mode Contactless Transaction, is zero.

The following additionally apply to CAT 3 devices:

1. A hybrid CAT 3 device that also is a Hybrid POS Terminal is prohibited from performing

fallback procedures from chip to magnetic stripe.

2. Chargeback rights apply to Transactions at CAT 3 devices under message reason code 4808

and do not apply with respect to message reason codes 4837, 4863, and 4871.

3. There is no card retention requirement for CAT 3 devices.

CAT Level 4: In-Flight Commerce (IFC) Terminals (CAT 4)

The following CVM requirements apply to CAT 4 devices:

1. CAT 4 devices must accept "No CVM" as the CVM.

Cardholder-Activated Terminal (CAT) Transactions

CAT Level 4: In-Flight Commerce (IFC) Terminals (CAT 4)

Transaction Processing Rules • 11 June 2024

315

2. CAT 4 devices must not accept signature or PIN (online or offline) as the CVM.

The following authorization requirements apply to CAT 4 devices:

1. Prior to authorization, the Merchant must conduct a Mod-10 check digit routine to verify

Card authenticity and must confirm that the Account number is within Mastercard BIN

range 222100 to 272099 or 510000 to 559999.

2. A Chip Transaction must be authorized either online by the Issuer or for a Transaction less

than or equal to USD 200 (EUR 200 in the Europe Region), a Chip Transaction may be

authorized offline by the EMV chip.

3. Online authorization by the Issuer may occur either air-to-ground during the Transaction or

in a delayed batch.

4. An authorization request must not contain a key-entered Account number or expiration

date.

5. The Acquirer must convert all "refer to card issuer" and "capture card" messages received

from Issuers to "decline."

6. The Issuer is liable for Transactions that are approved under acquirer MIP X-Code, up to the

MIP X-Code limits specified by the Corporation.

The following requirements also apply with respect to CAT 4 devices:

1. Acquirers must ensure timely delivery and installation of the IFC Blocked Gaming File to

gambling service providers. IFC Blocked Gaming File access is required before every

gambling Transaction.

2. Transactions at CAT 4 devices are conducted on interactive video terminals by passengers

on airline flights.

3. Use of CAT 4 devices is restricted to the following six MCCs:

– 4899 - Cable, Satellite, and Other Pay Television and Radio Services

– 5309 - Duty Free Stores

– 5964 - Direct Marketing - Catalog Merchants

– 7299 - Other Services - not elsewhere classified

– 7994 - Video Game Arcades/Establishments

– 7995 - Gambling Transactions

4. For each flight, Acquirers must generate one Authorization Request/0100 message per

MCC for each Account number. "Flight" is defined as one or more segments of a continuous

air flight with the same flight number.

5. The Authorization Request/0100 message must contain a Transaction category code (TCC)

of U for gambling Transactions or R for any other Transactions.

6. DE 43 must include the airline Merchant name and flight identification in subfield 1. The city

field description must contain the Merchant customer service telephone number for mailed

purchases and gambling Transactions; for all other CAT 4 Transactions, this information is

optional. The telephone number is not required to be toll-free.

7. For all transactions at CAT 4 devices, except mailed purchase Transactions, the Transaction

date is defined as the date that the flight departs from the originating city. The Transaction

date for mailed purchases is defined as the shipment date unless otherwise disclosed to the

Cardholder.

Cardholder-Activated Terminal (CAT) Transactions

CAT Level 4: In-Flight Commerce (IFC) Terminals (CAT 4)

Transaction Processing Rules • 11 June 2024

316

8. The Acquirer must ensure that the Merchant provides full disclosure to the Cardholder via

the CAT 4 device before the initiation of any Transactions, as detailed below. The CAT 4

device must prompt the Cardholder to acknowledge these disclosure terms before initiating

Transactions. Disclosure must include the following:

a. Full identification of the Merchant and provision for recourse in terms of Cardholder

complaints or questions

b. Notification that Transactions will be billed upon the Issuer's approval of the

authorization request

c. For mailed purchase Transactions only, any additional shipping or handling charges

d. Policy on refunds or returns

e. Provision for a paper or electronic TID

For gambling Transactions (where permitted), Merchants must additionally disclose the

following:

a. Maximum winnings (USD 3,500) and maximum losses (USD 350)

b. Notification that the total net Transaction amount (whether a net win or loss) will be

applied to the Card account

c. Notification that Cardholder must be at least 18 years of age to play

d. Notification that some Issuers may not allow gambling

9. The Acquirer must ensure that the Merchant can provide an itemized TID to the Cardholder

by printing a TID at the passenger's seat, printing a TID from a centralized printer on the

plane, or sending the TID to the Cardholder by mail or electronic means. The device must

describe any TID delivery offer and, if accepted, must require the Cardholder to input such

information as may be required to complete the delivery (for example, name and address,

email address, or mobile phone number). For gambling Transactions, the Merchant must

provide a printed TID. Each TID must contain:

a. Identification of the passenger's flight, seat number, and date of departure

b. Itemized Transaction detail

c. Gambling Transaction specified as a net win or net loss

d. The truncated Card account number

10. The Acquirer must not submit declined Transactions into clearing.

11. No surcharges or service fees may be assessed on any Transaction, including gambling

Transactions.

The following additional requirements apply with respect to gambling Transactions:

1. Gambling Transactions are not permitted at CAT 4 devices acquired within the Europe

Region.

2. Net gambling losses cannot exceed USD 350 per flight per Account. Net payouts to

Cardholders for gambling wins cannot exceed USD 3,500 per flight per Account. The

Merchant must monitor losses and winnings throughout the flight to ensure compliance.

3. A gambling win Transaction will result in posting of net winnings (credit) to the Card

account. Under no circumstance may winnings be paid in cash or other form of payment.

4. Before participating in gambling Activity, the Acquirer must undertake all reasonable and

necessary steps to assure itself and, if requested, the Corporation, that such gambling

Cardholder-Activated Terminal (CAT) Transactions

CAT Level 4: In-Flight Commerce (IFC) Terminals (CAT 4)

Transaction Processing Rules • 11 June 2024

317

Activity will be effected in full compliance with all applicable laws and regulations. By

participating in gambling Activity, the Acquirer agrees to indemnify, defend, and hold the

Corporation harmless with respect to any claim, damage, loss, fine, penalty, injury, or cause

of action arising or resulting from or attributable to the Acquirer's gambling Activity.

5. The Card account number must be checked against the IFC Blocked Gaming File.

Cardholders whose Card account numbers are listed on the IFC Blocked Gaming File must

be prohibited from initiating gambling Transactions. Updates to the IFC Blocked Gaming

File will be effective on the first and the 15th day of each month. The Corporation must

receive Card account ranges or BINs that Issuers choose to list on the next effective updated

IFC Blocked Gaming File at least two weeks before the effective date.

6. All gambling losses authorized post-flight must be submitted for authorization for the net

amount. All gambling Transactions authorized during the flight will be for the full wager

amount (USD 350 or a lower amount predetermined by the airline and gambling Merchant).

No gambling wins will be submitted for authorization.

7. Gambling Transactions submitted for clearing must be for the net amount won or lost.

Gambling win Transactions will be submitted as a refund Transaction (DE 3, subfield 1 must

contain a value of 20). Interchange will be paid to Issuers by Acquirers on gambling win

Transactions. An Acquirer may resubmit a gambling Transaction for a different amount

within the specified Transaction limits if it previously was rejected for exceeding the

specified Transaction limits - USD 3,500 for wins and USD 350 for losses.

The following additionally apply to CAT 4 devices:

1. There is no maximum amount limit for any Transaction at CAT 4 devices, except for

gambling Transactions.

2. A CAT 4 device that also is a Hybrid POS Terminal is prohibited from performing fallback

procedures from chip to magnetic stripe.

3. CAT 4 devices may support AVS and CVC 2 validation.

4. There are no chargeback restrictions for Transactions at CAT 4 devices.

5. There is no Card retention requirement for CAT 4 devices.

CAT Level 6: Electronic Commerce Transactions (CAT 6)

Refer to Appendix C for requirements regarding the identification of electronic commerce

Transactions.

CAT Level 7: Transponder Transactions (CAT 7)

The following CVM requirements apply to CAT 7 devices:

1. CAT 7 devices must support “No CVM” as the CVM.

2. CAT 7 devices must not support signature CVM or PIN CVM (online or offline).

The following authorization requirements apply to CAT 7 devices:

1. All magnetic stripe Transactions, regardless of amount, must be authorized online by the

Issuer.

2. Chip Transactions must be authorized either online by the Issuer or offline by the EMV chip.

Cardholder-Activated Terminal (CAT) Transactions

CAT Level 6: Electronic Commerce Transactions (CAT 6)

Transaction Processing Rules • 11 June 2024

318

3. The Issuer is liable for Transactions that are approved under Acquirer MIP X-Code, up to the

MIP X-Code limits specified by the Corporation.

The following additionally apply to CAT 7 devices:

1. There is no maximum amount limit for Transactions at CAT 7 devices.

2. A CAT 7 device that also is a Hybrid POS Terminal is prohibited from performing fallback

procedures from chip to magnetic stripe.

3. CAT 7 devices may support AVS and CVC 2 validation.

4. There are no chargeback restrictions for Transactions at CAT 7 devices.

5. There is no card retention requirement for CAT 7 devices.

CAT Level 9: Mobile POS (MPOS) Acceptance Device Transactions (CAT 9)

The Acquirer must submit the following values in Transaction messages for each Transaction

conducted at an MPOS Terminal:

• A value of 9 (MPOS Acceptance Device) in DE 61 (Point-of-Service[POS] Data), subfield 10

(Cardholder-Activated Terminal Level) of the Authorization Request/0100 or Financial

Transaction Request/0200 message; and

• A value of CT9 (MPOS Acceptance Device) in PDS 0023 (Terminal Type) of the First

Presentment/1240 message.

Cardholder-Activated Terminal (CAT) Transactions

CAT Level 9: Mobile POS (MPOS) Acceptance Device Transactions (CAT 9)

Transaction Processing Rules • 11 June 2024

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Appendix E CVM and Transit Limits

This appendix specifies Contactless Transaction and Contactless transit aggregated Transaction CVM

limit amounts and transit First Ride Risk limits.

Overview.............................................................................................................................................................. 321

CVM and Transit Limits.....................................................................................................................................321

CVM and Transit Limits

Transaction Processing Rules • 11 June 2024

320

Overview

This appendix presents information on Contactless and Contactless transit aggregated

Transaction Cardholder Verification Method (CVM) limit Amounts and transit First Ride Risk

limits. See Chapters 3 and 4 of the Transaction Processing Rules for more information.

CVM and Transit Limits

Access the CVM and transit First Ride Risk limit amounts in Microsoft

Excel file format, which

can be copied and pasted as needed.

From the HTML edition of this document, you can access the CVM and Transit Limits

spreadsheet.

1. Click the paperclip icon.

2. Click the CVM and Transit Limits attachment to download the file.

NOTE: The CVM and Transit Limits spreadsheet is very large. Before printing this document, be aware

that depending on your printer settings and paper selection, the printed spreadsheet may exceed 250

pages.

From the PDF edition of this document, you can access the CVM and Transit Limits

spreadsheet.

1. From the left-hand panel, click the paperclip icon. The Attachments panel appears.

2. Right-click the attachment and click Save Attachment.

3. Save the file to a location on your computer.

CVM and Transit Limits

Overview

Transaction Processing Rules • 11 June 2024

321

Appendix F Digital Goods and Lodging Merchant

Services

This appendix contains best practices for Merchants conducting sales of Digital Goods and information

about the Mastercard Guaranteed Reservation Program for lodging Merchants.

Digital Goods Purchases....................................................................................................................................323

Guaranteed Reservations..................................................................................................................................324

Advance Resort Deposit....................................................................................................................................325

Digital Goods and Lodging Merchant Services

Transaction Processing Rules • 11 June 2024

322

Digital Goods Purchases

A Merchant conducting e-commerce Transactions for the purchase of Digital Goods is advised

to offer Cardholders, at a minimum, all of the following purchase controls:

• The option, enabled as a default setting, for the Cardholder to disable all Digital Goods

purchases;

• The time period during which a Digital Goods purchase can be made on the Cardholder’s

account with the Merchant (the “account open” period) should not exceed 15 minutes after

the Cardholder’s entry of account authentication credentials;

• Functionality that allows the Cardholder to confirm or to cancel the clearly displayed total

Transaction amount of each pending Digital Goods purchase before completion of the

Transaction.

If a Merchant conducting e-commerce Transactions of under USD 25 for the purchase of Digital

Goods does not implement these purchase controls, the Acquirer may be subject to chargebacks

under message reason code 4841 (Cancelled Recurring Transactions and Digital Goods

Purchases Under USD 25).

The following additional Digital Goods purchase controls are strongly recommended for

application (for example, games, books, and music downloaded onto an electronic device) and

in-application (for example, game pieces, books, and music used within a multi-player electronic

game) purchases:

• Cardholder authentication for each purchase if purchasing is enabled (no default option);

and

• The closure of the “account open” period immediately after completion of the initial

purchase.

For application purchases:

• The maximum number of Transactions permitted during the “account open” period should

not exceed 10 Transactions, with a maximum of one Transaction as the default setting; and

• The maximum Transaction amount permitted during the “account open” period should be no

more than USD 500 (or the local currency equivalent), with a maximum Transaction amount

of USD 100 (or the local currency equivalent) as the default setting.

For in-application purchases:

• The maximum number of Transactions permitted during the “account open” period should

not exceed 30 transactions, with a maximum of one Transaction as the default setting; and

• The maximum Transaction amount during the “account open” period should not exceed USD

100 (or the local currency equivalent), with a maximum Transaction amount of USD 10 (or

the local currency equivalent) as the default setting.

The Merchant should use the default settings set forth above if a Cardholder has not

established purchase control settings. If established, the Merchant must honor a Cardholder’s

purchase control settings.

Digital Goods and Lodging Merchant Services

Digital Goods Purchases

Transaction Processing Rules • 11 June 2024

323

Guaranteed Reservations

All lodging Merchants who accept Mastercard are automatically enrolled in the Guaranteed

Reservation Program. Lodging Merchants are not required to process Guaranteed Reservation

transactions; however, each Merchant has the ability to create Guaranteed Reservation (No-

Show) transactions.

When a Cardholder guarantees their reservation with a Mastercard, the Merchant is ensuring

that a room will be available for the Cardholder when the Cardholder arrives at the property.

Merchants have the following responsibilities when accepting a Guaranteed Reservation:

• The Merchant must keep a room available until check-out time on the day following the

reservation.

• When accepting the Card as a guarantee, the Merchant will provide the Cardholder with a

confirmation number for the reservation.

• The Merchant must inform the Cardholder of the cancellation time and conditions.

Merchants may set cancellation limits up to 72 hours prior to the stay. When the Cardholder

makes a reservation within the Merchant’s cancellation period (for example, the Cardholder

makes a reservation 24 hours in advance when the Merchant has a 48-hour cancellation

requirement) the Merchant agrees the default time of cancellation for that reservation will

be 18:00 Merchant local time.

• Merchants must accept a cancellation from the Cardholder when provided prior to the

agreed upon time frames. Upon acceptance of the cancellation, the Merchant will provide a

cancellation number.

• Cardholders who cancel beyond the cancellation policy may be billed for one night of room

and tax only.

• No-Show transactions must be authorized prior to billing. Effective 14 October 2022, a no-

show Transaction authorization request must be identified with a Merchant-initiated

Transaction (MIT) value of M207 (No Show Charge) in DE 48 (Additional Data: Private Use),

subelement 22 (Multi-Purpose Merchant Indicator), subfield 5 (Cardholder/Merchant

Initiated Transaction Indicator).

In the event the Merchant is unable to provide a room to a Cardholder who guaranteed the stay

with a Mastercard, the Merchant must do all of the following:

• Not bill the Cardholder a No-Show charge

• Provide the Cardholder with an option to take accommodations at a lodging establishment

rated equal to, or better than, the reserved property

• Ensure the Cardholder is not charged more than the rate of the guaranteed stay

• Receive complimentary transportation to the new location, and

• A complimentary call when necessary for the Cardholder to inform others of the new

location.

Merchants billing No-Show transactions are advised to keep notation that the transaction was

a No-Show in the event of a chargeback or retrieval request.

Digital Goods and Lodging Merchant Services

Guaranteed Reservations

Transaction Processing Rules • 11 June 2024

324

Should a Cardholder dispute a No-Show charge for any reason other than as an unauthorized

transaction, the Merchant may support their cancellation policy and No-Show billing only with

documentation verifying the Cardholder received the cancellation policy and failed to adhere to

it.

Advance Resort Deposit

A Merchant participating in the Advance Resort Deposit service must follow these procedures:

1. Explain the terms of the advance resort deposit reservation to the Cardholder, including the

cancellation and refunds policies. A "no refund" policy must be clearly disclosed to the

Cardholder.

2. Request the card account and Cardholder address information and confirm the room rate

and location.

3. Obtain authorization from the Issuer and include on the TID the reservation confirmation

number and the words “advance deposit” in place of the Cardholder’s signature. The

Merchant is recommended to note on the TID any special terms and conditions regarding its

cancellation and refund policy.

4. Provide confirmation, a copy of the TID (including the reservation confirmation number),

and information concerning its cancellation and refund policies (including a "no refund"

policy, when applicable) to the Cardholder. This information must be provided by letter,

email, fax, or other message.

5. If a Cardholder cancels his or her reservation in accordance with the agreed upon

procedures, the Merchant must follow the cancellation and refund policy previously disclosed

to the Cardholder.

Digital Goods and Lodging Merchant Services

Advance Resort Deposit

Transaction Processing Rules • 11 June 2024

325

Appendix G Signage, Screen, and Receipt Text Display

This appendix provides ATM Terminal and unattended POS Terminal signage, screen, and receipt text

display requirements.

Screen and Receipt Text Standards................................................................................................................ 328

Models for ATM Access Fee Notification at ATM Terminals........................................................................329

Models for Standard Signage Notification of an ATM Access Fee............................................................ 329

Asia/Pacific Region.......................................................................................................................................329

Australia....................................................................................................................................................330

Canada Region.............................................................................................................................................. 330

Europe Region................................................................................................................................................331

United Kingdom.......................................................................................................................................331

Latin America and the Caribbean Region.................................................................................................332

Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Panama, Peru, Puerto Rico, and

Venezuela..................................................................................................................................................333

Middle East/Africa Region...........................................................................................................................333

United States Region....................................................................................................................................334

Models for Generic Terminal Signage Notification of an ATM Access Fee............................................... 335

Asia/Pacific Region.......................................................................................................................................335

Australia....................................................................................................................................................335

Canada Region.............................................................................................................................................. 336

Europe Region................................................................................................................................................337

United Kingdom.......................................................................................................................................337

Latin America and the Caribbean Region.................................................................................................338

Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Panama, Peru, Puerto Rico, and

Venezuela..................................................................................................................................................339

Middle East/Africa Region...........................................................................................................................340

United States Region....................................................................................................................................340

Models for Screen Display Notification of an ATM Access Fee...................................................................341

Asia/Pacific Region.......................................................................................................................................341

Australia....................................................................................................................................................342

Canada Region.............................................................................................................................................. 343

Europe Region................................................................................................................................................343

United Kingdom.......................................................................................................................................344

Latin America and the Caribbean Region.................................................................................................345

Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Panama, Peru, Puerto Rico, and

Venezuela..................................................................................................................................................345

Signage, Screen, and Receipt Text Display

Transaction Processing Rules • 11 June 2024

326

Middle East/Africa Region...........................................................................................................................346

United States Region....................................................................................................................................347

Model for an ATM Access Fee Transaction Receipt.......................................................................................348

Model Screen Offering POI Currency Conversion......................................................................................... 348

Model Receipt for Withdrawal Completed with POI Currency Conversion..............................................349

Model Screen Displays for Offering Installment Payments........................................................................350

Model Receipt Texts for Installments..............................................................................................................360

Signage, Screen, and Receipt Text Display

Transaction Processing Rules • 11 June 2024

327

Screen and Receipt Text Standards

Response Code Recommended Screen Text

Recommended Receipt

Text

• Format error

• Invalid acquirer

• Cardholder not on file

• Do not honor/Restricted card

• Unable to process/System

error

• ATM processor inoperative

• Cardholder processor

inoperative/Not found

“I am sorry. I am unable to process your

request. Please contact your financial

institution.”

“Denied Unable to

Process”

• Invalid transaction

• Invalid transaction selection

“I am sorry. You have selected an invalid

transaction. Do you want to try another

transaction?”

“Denied Invalid

Transaction”

• Invalid amount “You have selected an invalid amount.

Please select an amount in multiples of

__________.”

“Denied Invalid

Amount”

• Insufficient funds “I am unable to process for insufficient

funds. Please contact your financial

institution.”

“Denied Insufficient

Funds”

• Invalid PIN “You have entered your PIN incorrectly. Do

you want to try again?”

“Denied Invalid PIN”

• PIN tries exceed permitted

number of attempts

“You have exceeded the number of

attempts permitted to enter your PIN.

Please contact your financial institution.”

“Denied Invalid PIN”

• Exceeds withdrawal limit “You have exceeded the withdrawal limit.

Do you want to select another amount?”

“Denied Invalid

Amount”

• Denied—Capture card “Your card has been retained. Please

contact your financial institution.”

“Denied Card Retained”

Signage, Screen, and Receipt Text Display

Screen and Receipt Text Standards

Transaction Processing Rules • 11 June 2024

328

Models for ATM Access Fee Notification at ATM Terminals

The following table sets forth minimum screen height, screen width, heading text, and body text

requirements for ATM Access Fee signage and screen displays at ATM Terminals.

Object Dimension

Screen height Minimum of ten (10) centimeters

Screen width Minimum of ten (10) centimeters

Heading text Must be at least 18 point type

Body text Must be at least 14 point type

Models for Standard Signage Notification of an ATM Access Fee

Each of the following model forms illustrate the standard ATM Terminal signage notification

that an ATM Access Fee may be charged, including the fee amount.

Asia/Pacific Region

The following model form illustrates ATM Terminal signage notification of an ATM Access Fee for

the Asia/Pacific Region, except Australia.

Signage, Screen, and Receipt Text Display

Models for ATM Access Fee Notification at ATM Terminals

Transaction Processing Rules • 11 June 2024

329

Australia

The following model form illustrates ATM Terminal signage notification of an ATM Access Fee for

Australia only.

Canada Region

The following model form illustrates ATM Terminal signage notification of an ATM Access Fee for

the Canada Region only.

Signage, Screen, and Receipt Text Display

Australia

Transaction Processing Rules • 11 June 2024

330

Europe Region

The following model form illustrates ATM Terminal signage notification of an ATM Access Fee for

the Europe Region only, except the United Kingdom.

United Kingdom

The following model form illustrates ATM Terminal signage notification of an ATM Access Fee for

the United Kingdom only.

Signage, Screen, and Receipt Text Display

Europe Region

Transaction Processing Rules • 11 June 2024

331

Latin America and the Caribbean Region

The following model form illustrates ATM Terminal signage notification of an ATM Access Fee for

Latin America and the Caribbean Region except the following countries: Argentina, Brazil, Chile,

Colombia, Ecuador, Mexico, Panama, Peru, Puerto Rico, and Venezuela.

Signage, Screen, and Receipt Text Display

Latin America and the Caribbean Region

Transaction Processing Rules • 11 June 2024

332

Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Panama, Peru, Puerto Rico, and

Venezuela

The following model form illustrates ATM Terminal signage notification of an ATM Access Fee for

only the following countries in the Latin America and the Caribbean Region: Argentina, Brazil,

Chile, Colombia, Ecuador, Mexico, Panama, Peru, Puerto Rico, and Venezuela.

Middle East/Africa Region

The following model form illustrates ATM Terminal signage notification of an ATM Access Fee for

the Middle East/Africa Region.

Signage, Screen, and Receipt Text Display

Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Panama, Peru, Puerto Rico, and Venezuela

Transaction Processing Rules • 11 June 2024

333

United States Region

The following model form illustrates ATM Terminal signage notification of an ATM Access Fee for

the United States only.

Signage, Screen, and Receipt Text Display

United States Region

Transaction Processing Rules • 11 June 2024

334

Models for Generic Terminal Signage Notification of an ATM Access

Fee

Each of the following models illustrate the generic ATM Terminal signage notification that an

ATM Access Fee may be charged.

Asia/Pacific Region

The following model form illustrates ATM Terminal signage notification of an ATM Access Fee for

the Asia/Pacific Region, except Australia.

Australia

The following model form illustrates ATM Terminal signage notification of an ATM Access Fee for

Australia only.

Signage, Screen, and Receipt Text Display

Models for Generic Terminal Signage Notification of an ATM Access Fee

Transaction Processing Rules • 11 June 2024

335

Canada Region

The following model form illustrates ATM Terminal signage notification of an ATM Access Fee for

the Canada Region only.

Signage, Screen, and Receipt Text Display

Canada Region

Transaction Processing Rules • 11 June 2024

336

Europe Region

The following model form illustrates ATM Terminal signage notification of an ATM Access Fee for

the Europe Region only, except the United Kingdom.

United Kingdom

The following model form illustrates ATM Terminal signage notification of an ATM Access Fee for

the United Kingdom only.

Signage, Screen, and Receipt Text Display

Europe Region

Transaction Processing Rules • 11 June 2024

337

Latin America and the Caribbean Region

The following model form illustrates dimensions for ATM Terminal signage notification of an

ATM Access Fee for Latin America and the Caribbean Region except the following countries:

Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Panama, Peru, Puerto Rico, and Venezuela.

Use the following dimensions.

Object

Dimension

Screen height Minimum of ten (10) centimeters

Screen width Minimum of ten (10) centimeters

Heading text Must be at least 18 point type.

Body text Must be at least 14 point type.

Signage, Screen, and Receipt Text Display

Latin America and the Caribbean Region

Transaction Processing Rules • 11 June 2024

338

Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Panama, Peru, Puerto Rico, and

Venezuela

The following model form illustrates ATM Terminal signage notification of an ATM Access Fee for

only the following countries in the Latin America and the Caribbean Region: Argentina, Brazil,

Chile, Colombia, Ecuador, Mexico, Panama, Peru, Puerto Rico, and Venezuela.

Signage, Screen, and Receipt Text Display

Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Panama, Peru, Puerto Rico, and Venezuela

Transaction Processing Rules • 11 June 2024

339

Middle East/Africa Region

The following model form illustrates ATM Terminal signage notification of an ATM Access Fee for

the Middle East/Africa Region.

United States Region

The following model form illustrates ATM Terminal signage notification of an ATM Access Fee for

the United States only.

Signage, Screen, and Receipt Text Display

Middle East/Africa Region

Transaction Processing Rules • 11 June 2024

340

Models for Screen Display Notification of an ATM Access Fee

Each of the following model forms illustrate the ATM Terminal screen display notification that

an ATM Access Fee will be charged if the Cardholder chooses to proceed with the Transaction.

Asia/Pacific Region

The following model form illustrates ATM Terminal signage notification of an ATM Access Fee for

the Asia/Pacific Region, except Australia.

Signage, Screen, and Receipt Text Display

Models for Screen Display Notification of an ATM Access Fee

Transaction Processing Rules • 11 June 2024

341

Australia

The following model form illustrates ATM Terminal signage notification of an ATM Access Fee for

Australia only.

Signage, Screen, and Receipt Text Display

Australia

Transaction Processing Rules • 11 June 2024

342

Canada Region

The following model form illustrates ATM Terminal signage notification of an ATM Access Fee for

Canada only.

Europe Region

The following model form illustrates ATM Terminal signage notification of an ATM Access Fee for

the Europe Region, except the United Kingdom.

Signage, Screen, and Receipt Text Display

Canada Region

Transaction Processing Rules • 11 June 2024

343

United Kingdom

The following model form illustrates ATM Terminal signage notification of an ATM Access Fee for

United Kingdom only.

Signage, Screen, and Receipt Text Display

United Kingdom

Transaction Processing Rules • 11 June 2024

344

Latin America and the Caribbean Region

The following model form illustrates ATM Terminal signage notification of an ATM Access Fee for

the Latin America and the Caribbean Region except the following countries: Argentina, Brazil,

Chile, Colombia, Ecuador, Mexico, Panama, Peru, Puerto Rico, and Venezuela.

Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Panama, Peru, Puerto Rico, and

Venezuela

The following model form illustrates ATM Terminal signage notification of an ATM Access Fee for

only the following countries in the Latin America and the Caribbean Region: Argentina, Brazil,

Chile, Colombia, Ecuador, Mexico, Panama, Peru, Puerto Rico, and Venezuela.

Signage, Screen, and Receipt Text Display

Latin America and the Caribbean Region

Transaction Processing Rules • 11 June 2024

345

Middle East/Africa Region

The following model form illustrates ATM Terminal signage notification of an ATM Access Fee for

the Middle East/Africa Region.

Signage, Screen, and Receipt Text Display

Middle East/Africa Region

Transaction Processing Rules • 11 June 2024

346

United States Region

The following model form illustrates ATM Terminal signage notification of an ATM Access Fee for

United States only.

Signage, Screen, and Receipt Text Display

United States Region

Transaction Processing Rules • 11 June 2024

347

Model for an ATM Access Fee Transaction Receipt

$100.00 Paid to Cardholder

$ 1.00 Terminal Owners Fee

$101.00 Withdrawal from checking

Model Screen Offering POI Currency Conversion

Signage, Screen, and Receipt Text Display

Model for an ATM Access Fee Transaction Receipt

Transaction Processing Rules • 11 June 2024

348

Model Receipt for Withdrawal Completed with POI Currency

Conversion

Signage, Screen, and Receipt Text Display

Model Receipt for Withdrawal Completed with POI Currency Conversion

Transaction Processing Rules • 11 June 2024

349

Model Screen Displays for Offering Installment Payments

Hungary

Figure 1: POS Terminal Displays in Hungarian

Signage, Screen, and Receipt Text Display

Model Screen Displays for Offering Installment Payments

Transaction Processing Rules • 11 June 2024

350

Figure 2: POS Terminal Displays in English

Poland

Figure 3: POS Terminal Display One in Polish

Signage, Screen, and Receipt Text Display

Model Screen Displays for Offering Installment Payments

Transaction Processing Rules • 11 June 2024

351

Figure 4: POS Terminal Display One in English

Figure 5: POS Terminal Display Two in Polish

Signage, Screen, and Receipt Text Display

Model Screen Displays for Offering Installment Payments

Transaction Processing Rules • 11 June 2024

352

Figure 6: POS Terminal Display Two in English

Figure 7: E-commerce Display One in Polish

Signage, Screen, and Receipt Text Display

Model Screen Displays for Offering Installment Payments

Transaction Processing Rules • 11 June 2024

353

Figure 8: E-commerce Display Two in Polish

Figure 9: E-commerce Display Three in Polish

Signage, Screen, and Receipt Text Display

Model Screen Displays for Offering Installment Payments

Transaction Processing Rules • 11 June 2024

354

Figure 10: E-commerce Display Four in Polish

Figure 11: E-commerce Display Five in Polish

Signage, Screen, and Receipt Text Display

Model Screen Displays for Offering Installment Payments

Transaction Processing Rules • 11 June 2024

355

Figure 12: E-commerce Display One in English

Figure 13: E-commerce Display Two in English

Signage, Screen, and Receipt Text Display

Model Screen Displays for Offering Installment Payments

Transaction Processing Rules • 11 June 2024

356

Figure 14: E-commerce Display Three in English

Figure 15: E-commerce Display Four in English

Signage, Screen, and Receipt Text Display

Model Screen Displays for Offering Installment Payments

Transaction Processing Rules • 11 June 2024

357

Figure 16: E-commerce Display Five in English

Ukraine

Figure 17: POS Terminal Displays in Ukrainian

Signage, Screen, and Receipt Text Display

Model Screen Displays for Offering Installment Payments

Transaction Processing Rules • 11 June 2024

358

Figure 18: POS Terminal Displays in English

Figure 19: E-commerce Displays in Ukrainian

Figure 20: E-commerce Displays in English

Signage, Screen, and Receipt Text Display

Model Screen Displays for Offering Installment Payments

Transaction Processing Rules • 11 June 2024

359

Model Receipt Texts for Installments

Czech Republic

For Receipts in Czech For Receipts in English

“Celkové náklady: XXXXXX CZK” “Total cost: XXXXXXX CZK”

“Počet splátek: YY” “Number of payments: YY”

“První splátek: XX CZK” “First payment: XX CZK”

“Následující splátek: XX CZK” “Subsequent payment: XX CZK”

“Úroková sazba: XX %” “Interest rate: XX%

“Roční procentní sazba nákladů: XX %” “APR: XX%

“Poplatek: XX CZK” “Fee: XX CZK”

Hungary

For Receipts in Hungarian

For Receipts in English

“teljes összeg: XXXXXX Ft”

“Részletek száma': YY”

“Total amount: XXXXXXX HUF”

“Number of payments: YY”

“Első Havi részlet: XX Ft” “First Monthly payment: XX HUF”

“Havi részlet: XX Ft” “Subsequent payment: XX HUF”

“Kamat: 00, X%” “Interest rate: XX%” subfield 2

“THM: 00, XX%” “APR: XX, XX%”

“Díj: XX Ft” “Fee: XX HUF”

Poland

Language

Receipt Text

Polish Plan ratalny zostanie uruchomiony. W razie pytań

skontaktuj się ze swoim bankiem.

English Installment plan will be launched. If you have any

questions, please contact your issuing bank.

Signage, Screen, and Receipt Text Display

Model Receipt Texts for Installments

Transaction Processing Rules • 11 June 2024

360

Ukraine

For Receipts in Ukrainian For Receipts in English

«Загальна вартість: XXXXXXX ГРН» "Total cost: XXXXXXX UAH"

«Кількість платежів: YY» "Number of payments: YY"

«Перший платіж: XX ГРН» "First payment: XX UAH"

«Наступні платежі: XX ГРН» "Subsequent payment: XX UAH"

«Реальна річна процентна ставка: XX%» "Interest rate: XX%"

«Комісія: XX ГРН» "Fee: XX UAH"

«З умовами та правилами, які застосовуються

до послуги оплати частинами на [bank’s

website address] ознайомлений та згоден»

"I've read and agree with the rules and conditions

of payment in installments posted on [bank's

website address]"

Signage, Screen, and Receipt Text Display

Model Receipt Texts for Installments

Transaction Processing Rules • 11 June 2024

361

Appendix H Definitions

This appendix contains defined terms used in this manual. Additional and/or revised terms may also

appear in a particular chapter or section of this manual.

Acceptance Mark................................................................................................................................................368

Acceptor...............................................................................................................................................................368

Access Device...................................................................................................................................................... 368

Account.................................................................................................................................................................368

Account Enablement System...........................................................................................................................369

Account Holder....................................................................................................................................................369

Account PAN........................................................................................................................................................369

Account PAN Range........................................................................................................................................... 369

Acquirer................................................................................................................................................................ 369

Activity(ies)..........................................................................................................................................................369

Affiliate Customer, Affiliate..............................................................................................................................369

Area of Use.......................................................................................................................................................... 370

Association Customer, Association..................................................................................................................370

ATM Access Fee...................................................................................................................................................370

ATM Owner Agreement.....................................................................................................................................370

Automated Teller Machine (ATM)....................................................................................................................370

ATM Terminal.......................................................................................................................................................370

ATM Transaction.................................................................................................................................................371

Bank Branch Terminal........................................................................................................................................371

BIN.........................................................................................................................................................................371

Brand Fee.............................................................................................................................................................371

Brand Mark..........................................................................................................................................................371

Card.......................................................................................................................................................................371

Cardholder...........................................................................................................................................................371

Cardholder Communication............................................................................................................................. 372

Cardholder Verification Method (CVM)..........................................................................................................372

Cardholder-initiated Transaction (CIT)...........................................................................................................372

China Deposit Transaction................................................................................................................................372

China Funds Transfer Funding Transaction....................................................................................................372

China Funds Transfer Payment Transaction..................................................................................................373

China Funds Transfer Request......................................................................................................................... 373

China Funds Transfer Transaction...................................................................................................................373

China Recurring Payment Transaction – Recurring Payment Terms.........................................................373

Definitions

Transaction Processing Rules • 11 June 2024

362

China Switch Manual Transaction...................................................................................................................373

Chip Card (Smart Card, Integrated Circuit Card, IC Card, or ICC)........................................................... 373

Chip Transaction.................................................................................................................................................373

Chip-only MPOS Terminal................................................................................................................................. 374

Cirrus Acceptance Mark.................................................................................................................................... 374

Cirrus Access Device...........................................................................................................................................374

Cirrus Account.....................................................................................................................................................374

Cirrus Brand Mark...............................................................................................................................................374

Cirrus Card...........................................................................................................................................................374

Cirrus Customer..................................................................................................................................................375

Cirrus Payment Application..............................................................................................................................375

Cirrus Word Mark................................................................................................................................................375

Competing ATM Network..................................................................................................................................375

Competing International ATM Network.........................................................................................................375

Competing EFT POS Network......................................................................................................................... 375

Competing North American ATM Network....................................................................................................376

Consumer Device Cardholder Verification Method, Consumer Device CVM, CDCVM...........................376

Contact Chip Transaction.................................................................................................................................376

Contactless Payment Device............................................................................................................................376

Contactless Transaction....................................................................................................................................377

Control, Controlled.............................................................................................................................................377

Corporation..........................................................................................................................................................377

Corporation System...........................................................................................................................................377

Credential-on-file Transaction......................................................................................................................... 377

Credentials Management System...................................................................................................................378

Cross-border Transaction..................................................................................................................................378

Customer............................................................................................................................................................. 378

Customer Report................................................................................................................................................378

Data Storage Entity (DSE)...............................................................................................................................378

Device Binding.....................................................................................................................................................378

Digital Activity(ies).............................................................................................................................................379

Digital Activity Agreement................................................................................................................................379

Digital Activity Customer..................................................................................................................................379

Digital Activity Service Provider (DASP)........................................................................................................ 379

Digital Activity Sponsoring Customer.............................................................................................................379

Digital Goods.......................................................................................................................................................379

Digital Wallet.......................................................................................................................................................379

Digital Wallet Operator (DWO).......................................................................................................................380

Digital Wallet Operator (DWO) Security Incident, DWO Security Incident ........................................... 380

Definitions

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Digital Wallet Operator Mark, DWO Mark.................................................................................................... 380

Digitization, Digitize...........................................................................................................................................380

Domestic Transaction........................................................................................................................................380

Dual Interface......................................................................................................................................................380

Electronic Money.................................................................................................................................................381

Electronic Money Issuer.....................................................................................................................................381

Electronic Money Institution.............................................................................................................................381

EMV Mode Contactless Transaction...............................................................................................................381

Funding Transaction...........................................................................................................................................381

Gaming Payment Transaction..........................................................................................................................382

Gateway Customer............................................................................................................................................382

Gateway Processing...........................................................................................................................................382

Gateway Transaction.........................................................................................................................................382

Global Collection Only (GCO) Data Collection Program.............................................................................382

Government Controlled Merchant...................................................................................................................382

Host Card Emulation (HCE).............................................................................................................................382

Hybrid Terminal...................................................................................................................................................383

ICA.........................................................................................................................................................................383

Identification & Verification (ID&V).................................................................................................................383

Independent Sales Organization (ISO)...........................................................................................................383

Installment Lending Agreement...................................................................................................................... 383

Installment Provider...........................................................................................................................................383

Interchange System...........................................................................................................................................384

Inter-European Transaction..............................................................................................................................384

Interregional Transaction.................................................................................................................................. 384

Intracountry Transaction...................................................................................................................................384

Intra–European Transaction.............................................................................................................................384

Intra–Non–SEPA Transaction...........................................................................................................................385

Intraregional Transaction..................................................................................................................................385

Issuer.....................................................................................................................................................................385

License, Licensed.................................................................................................................................................385

Licensee................................................................................................................................................................385

Maestro................................................................................................................................................................385

Maestro Acceptance Mark................................................................................................................................385

Maestro Access Device...................................................................................................................................... 386

Maestro Account.................................................................................................................................................386

Maestro Brand Mark..........................................................................................................................................386

Maestro Card...................................................................................................................................................... 386

Maestro Customer............................................................................................................................................. 386

Definitions

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Maestro Payment Application..........................................................................................................................386

Maestro Word Mark...........................................................................................................................................386

Magnetic Stripe Mode Contactless Transaction...........................................................................................387

Manual Cash Disbursement Transaction........................................................................................................387

Marks....................................................................................................................................................................387

Mastercard...........................................................................................................................................................387

Mastercard Acceptance Mark.......................................................................................................................... 387

Mastercard Access Device.................................................................................................................................387

Mastercard Account...........................................................................................................................................388

Mastercard Biometric Card.............................................................................................................................. 388

Mastercard Brand Mark.....................................................................................................................................388

Mastercard-branded Application Identifier (AID).........................................................................................388

Mastercard Card.................................................................................................................................................388

Mastercard Cloud-Based Payments............................................................................................................... 388

Mastercard Consumer-Presented QR Transaction.......................................................................................388

Mastercard Customer........................................................................................................................................389

Mastercard Digital Enablement Service.........................................................................................................389

Mastercard Europe.............................................................................................................................................389

Mastercard Incorporated.................................................................................................................................. 389

Mastercard Payment Application....................................................................................................................389

Mastercard Safety Net......................................................................................................................................389

Mastercard Symbol............................................................................................................................................390

Mastercard Token...............................................................................................................................................390

Mastercard Token Account Range................................................................................................................... 390

Mastercard Token Vault.....................................................................................................................................390

Mastercard Word Mark..................................................................................................................................... 390

Member, Membership........................................................................................................................................ 391

Merchandise Transaction.................................................................................................................................. 391

Merchant..............................................................................................................................................................391

Merchant Agreement.........................................................................................................................................391

Merchant Card-on-File Tokenization...............................................................................................................391

Merchant Token Requestor............................................................................................................................... 391

Merchant-initiated Transaction (MIT).............................................................................................................392

Mobile Payment Device..................................................................................................................................... 392

Mobile POS (MPOS) Terminal.......................................................................................................................... 392

MoneySend Payment Transaction...................................................................................................................392

Multi-Account Chip Card...................................................................................................................................392

Non-Mastercard BIN Maestro card-not-present (CNP) debit card...........................................................392

Non-Mastercard Funding Source.....................................................................................................................393

Definitions

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Non-Mastercard Receiving Account................................................................................................................393

Non-Mastercard Systems and Networks Standards...................................................................................393

On-behalf Token Requestor..............................................................................................................................393

On-Device Cardholder Verification..................................................................................................................393

Originating Account Holder.............................................................................................................................. 393

Originating Institution (OI)............................................................................................................................... 393

Ownership, Owned.............................................................................................................................................394

Participation........................................................................................................................................................394

Pass-through Digital Wallet............................................................................................................................. 394

Pass-through Digital Wallet Operator (DWO)..............................................................................................394

Payment Account Reference (PAR).................................................................................................................394

Payment Application..........................................................................................................................................394

Payment Facilitator........................................................................................................................................... 395

Payment Transaction.........................................................................................................................................395

Payment Transfer Activity(ies) (PTA)..............................................................................................................395

Personal Data......................................................................................................................................................395

Point of Interaction (POI)..................................................................................................................................395

Point-of-Sale (POS) Terminal...........................................................................................................................395

Point–of–Sale (POS) Transaction....................................................................................................................396

Portfolio................................................................................................................................................................396

Principal Customer, Principal............................................................................................................................396

Processed PTA Transaction...............................................................................................................................396

Processed Transaction.......................................................................................................................................396

Program................................................................................................................................................................397

Program Service..................................................................................................................................................397

PTA Account.........................................................................................................................................................397

PTA Account Number.........................................................................................................................................397

PTA Account Portfolio........................................................................................................................................397

PTA Agreement...................................................................................................................................................397

PTA Customer.....................................................................................................................................................397

PTA Originating Account...................................................................................................................................398

PTA Program....................................................................................................................................................... 398

PTA Receiving Account.......................................................................................................................................398

PTA Settlement Guarantee Covered Program..............................................................................................398

PTA Settlement Obligation ..............................................................................................................................398

PTA Transaction..................................................................................................................................................398

Quick Response (QR) Code .............................................................................................................................. 398

Receiving Account Holder..................................................................................................................................399

Receiving Agent...................................................................................................................................................399

Definitions

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Receiving Customer............................................................................................................................................399

Receiving Institution (RI)....................................................................................................................................399

Region...................................................................................................................................................................399

Remote Electronic Transaction........................................................................................................................ 399

Rules......................................................................................................................................................................399

Service Provider.................................................................................................................................................. 400

Settlement Obligation.......................................................................................................................................400

Shared Deposit Transaction............................................................................................................................. 400

Solicitation, Solicit..............................................................................................................................................400

Special Issuer Program......................................................................................................................................400

Sponsor, Sponsorship.........................................................................................................................................400

Sponsored Digital Activity Entity.....................................................................................................................401

Sponsored Merchant..........................................................................................................................................401

Sponsored Merchant Agreement.....................................................................................................................401

Staged Digital Wallet........................................................................................................................................ 401

Staged Digital Wallet Operator (DWO).........................................................................................................402

Standards............................................................................................................................................................ 402

Stand-In Parameters.........................................................................................................................................402

Stand-In Processing Service............................................................................................................................. 402

Stored Credential............................................................................................................................................... 402

Strong Customer Authentication (SCA)........................................................................................................ 403

Sub-licensee.........................................................................................................................................................403

Terminal................................................................................................................................................................403

Third Party Processor (TPP)..............................................................................................................................403

Token.....................................................................................................................................................................403

Token Aggregator...............................................................................................................................................403

Token Requestor..................................................................................................................................................403

Token Vault...........................................................................................................................................................404

Tokenization, Tokenize........................................................................................................................................404

Transaction..........................................................................................................................................................404

Transaction Data................................................................................................................................................404

Transaction Information Document (TID)......................................................................................................404

Transaction Management System..................................................................................................................404

Trusted Service Manager...................................................................................................................................405

Virtual Account....................................................................................................................................................405

Volume..................................................................................................................................................................405

Wallet Token Requestor.....................................................................................................................................405

Word Mark...........................................................................................................................................................405

Definitions

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Acceptance Mark

Any one of the Corporation’s Marks displayed at a Point of Interaction (POI) to indicate brand

acceptance. See Cirrus Acceptance Mark, Maestro Acceptance Mark, Mastercard Acceptance

Mark.

Acceptor

The Merchant, Sponsored Merchant, ATM owner, or other entity that accepts a Card pursuant

to a Merchant Agreement, Sponsored Merchant Agreement, or ATM Owner Agreement for

purposes of conducting a Transaction.

Access Device

A device other than a Card that has successfully completed all applicable Mastercard

certification and testing requirements, if any, and:

• Uses at least one Payment Application provisioned to the device by or with the approval of a

Customer to provide access to an Account;

• Supports the transmission or exchange of data using one or both of the following:

– Magnetic stripe or chip data containing a dynamic cryptogram to or with a Terminal, as

applicable, by implementing the EMV Contactless Specifications (Book D) to effect

Transactions at the Terminal without requiring direct contact of the device to the Terminal

– Chip data containing a dynamic cryptogram to or with a Terminal, as applicable, by

implementing the Mastercard Cloud-Based Payments (MCBP) documentation to effect

Transactions at the Terminal by capture of a QR Code containing the Transaction Data

• May also support the transmission of magnetic stripe data containing a dynamic cryptogram

to a Terminal to effect Transactions identified by the Acquirer in Transaction messages as

magnetic stripe Transactions.

A Cirrus Access Device, Maestro Access Device, and Mastercard Access Device is each an Access

Device. Also see Mobile Payment Device.

Account

An account maintained by or on behalf of a Cardholder by an Issuer for the processing of

Transactions, and which is identified with a bank identification number (BIN) or Issuer

identification number (IIN) designated by the Corporation in its routing tables for routing to the

Interchange System. Also see Cirrus Account, Maestro Account, Mastercard Account.

Definitions

Acceptance Mark

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Account Enablement System

Performs Account enablement services for Mastercard Cloud-Based Payments, which may

include Account and Access Device eligibility checks, Identification & Verification (ID&V),

Digitization, and subsequent lifecycle management.

Account Holder

A user who holds a PTA Account and has agreed to participate in a PTA Transaction.

Account PAN

The primary account number (PAN) allocated to an Account by an Issuer.

Account PAN Range

The range of Account PANs designated by an Issuer for Digitization.

Acquirer

A Customer in its capacity as an acquirer of a Transaction.

Activity(ies)

The undertaking of any lawful act that can be undertaken only pursuant to a License granted by

the Corporation. Payment Transfer Activity is a type of Activity. Also see Digital Activity(ies).

Affiliate Customer, Affiliate

A Customer that participates indirectly in Activity through the Sponsorship of a Principal or,

solely with respect to Mastercard Activity, through the Sponsorship of an Association. An

Affiliate may not Sponsor any other Customer.

Definitions

Account Enablement System

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Area of Use

The country or countries in which a Customer is Licensed to use the Marks and conduct Activity

or in which a PTA Customer is permitted to Participate in a PTA Program, and, as a rule, set

forth in the License or PTA Agreement or in an exhibit to the License or PTA Agreement.

Association Customer, Association

A Mastercard Customer that participates directly in Mastercard Activity using its assigned BINs

and which may Sponsor one or more Mastercard Affiliates but may not directly issue

Mastercard Cards or acquire Mastercard Transactions, or in the case of a PTA Association, may

not directly hold PTA Accounts, without the express prior written consent of the Corporation.

ATM Access Fee

A fee charged by an Acquirer in connection with a cash withdrawal or Shared Deposit

Transaction initiated at the Acquirer’s ATM Terminal with a Card, and added to the total

Transaction amount transmitted to the Issuer.

ATM Owner Agreement

An agreement between an ATM owner and a Customer that sets forth the terms pursuant to

which the ATM accepts Cards.

Automated Teller Machine (ATM)

An unattended self-service device that performs basic banking functions such as accepting

deposits, cash withdrawals, ordering transfers among accounts, loan payments and account

balance inquiries.

ATM Terminal

An ATM that enables a Cardholder to effect an ATM Transaction with a Card (and if

contactless-enabled, an Access Device) in accordance with the Standards.

Definitions

Area of Use

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ATM Transaction

A cash withdrawal effected at an ATM Terminal with a Card and processed through the

Mastercard ATM Network. An ATM Transaction is identified with MCC 6011 (Automated Cash

Disbursements—Customer Financial Institution).

Bank Branch Terminal

An attended device, located on the premises of a Customer or other financial institution

designated as its authorized agent by the Corporation, that facilitates a Manual Cash

Disbursement Transaction by a Cardholder.

BIN

A bank identification number (BIN, sometimes referred to as an Issuer identification number, or

IIN) is a unique number assigned by Mastercard for use by a Customer in accordance with the

Standards.

Brand Fee

A fee charged for certain Transactions not routed to the Interchange System.

Brand Mark

A Word Mark as a custom lettering legend placed within the Corporation’s interlocking circles

device. The Mastercard Brand Mark, Maestro Brand Mark, and Cirrus Brand Mark is each a

Brand Mark. The Mastercard Symbol is also a Brand Mark.

Card

A card issued by a Customer pursuant to License and in accordance with the Standards and

that provides access to an Account. Unless otherwise stated herein, Standards applicable to the

use and acceptance of a Card are also applicable to an Access Device and, in a Card-not-present

environment, an Account. A Cirrus Card, Maestro Card, and Mastercard Card is each a Card.

Cardholder

The authorized user of a Card or Access Device issued by a Customer.

Definitions

ATM Transaction

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Cardholder Communication

Any communication by or on behalf of an Issuer to a Cardholder or prospective Cardholder. A

Solicitation is one kind of Cardholder Communication.

Cardholder Verification Method (CVM)

A process used to confirm that the person presenting the Card is an authorized Cardholder. The

Corporation deems the following to be valid CVMs when used in accordance with the Standards:

• The comparison, by the Merchant or Acquirer accepting the Card, of the signature on the

Card’s signature panel with the signature provided on the Transaction receipt by the person

presenting the Card;

• The comparison, by the Card Issuer or the EMV chip on the Card, of the value entered on a

Terminal’s PIN pad with the personal identification number (PIN) given to or selected by the

Cardholder upon Card issuance; and

• The use of a Consumer Device CVM (CDCVM) that Mastercard approved as a valid CVM for

Transactions upon the successful completion of the certification and testing procedures set

forth in section 3.11 of the Security Rules and Procedures.

In certain Card-present environments, a Merchant may complete the Transaction without a

CVM ("no CVM" as the CVM), such as in Contactless Transactions less than or equal to the CVM

limit and Transactions at an unattended Point-of-Sale (POS) Terminal identified as Cardholder-

activated Terminal (CAT) Level 2 or Level 3.

Cardholder-initiated Transaction (CIT)

A Transaction in which the Cardholder actively participates by presenting a Card or Access

Device at the POI or agreeing to the use of a Stored Credential to complete the Transaction,

and may be required to perform a CVM or other Cardholder authentication.

China Deposit Transaction

A domestic deposit to an Account conducted at an ATM Terminal located in China, initiated with

a Card issued by a China Customer, and processed through the China Switch.

China Funds Transfer Funding Transaction

A domestic financial transaction sent by the China Switch on behalf of the Originating

Institution to the Funding Institution to fund the subsequent associated China Funds Transfer

Payment Transaction.

Definitions

Cardholder Communication

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China Funds Transfer Payment Transaction

A domestic financial transaction sent by the China Switch on behalf of the Originating

Institution to the Receiving Institution to transfer the funds into a receiving account.

China Funds Transfer Request

A domestic non-financial transaction sent by the Original Institution to the China Switch to

initiate the China Funds Transfer Transactions.

China Funds Transfer Transaction

China domestic Transactions that facilitates the funds transfer from an Account to another

Account. Each China Funds Transfer Transaction contains two associated transactions, the

China Funds Transfer Funding Transaction and the China Funds Transfer Payment Transaction.

China Recurring Payment Transaction – Recurring Payment Terms

The recurring payment terms are the terms and conditions agreed by Merchant and Cardholder

for China domestic recurring payment Transactions. It includes card acceptor name,

merchandise or service, payment account, recurring payment frequency or condition, and ending

date (if applicable). The Acquirer must populate the recurring payment terms in each China

domestic recurring payment Transaction message.

China Switch Manual Transaction

China domestic Transactions, manually initiated by the Acquirer via the China Dispute

Resolution Platform, that includes manual preauthorization reversal, manual preauthorization

complete and manual refund.

Chip Card (Smart Card, Integrated Circuit Card, IC Card, or ICC)

A Card with an embedded EMV-compliant chip containing memory and interactive capabilities

used to identify and store additional data about a Cardholder, an Account, or both.

Chip Transaction

A Contact Chip Transaction or a Contactless Transaction.

Definitions

China Funds Transfer Payment Transaction

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Chip-only MPOS Terminal

An MPOS Terminal that has a contact chip reader and no magnetic stripe-reading capability

and that must:

1. Operate as an online-only POS Terminal for authorization purposes;

2. Support either signature or No CVM Required as a Cardholder Verification Method, and may

also support PIN verification if conducted by means of a PIN entry device (PED) that is in

compliance with the Payment Card Industry (PCI) POS PED Security Requirements and

Evaluation Program; and

3. Otherwise comply with the Corporation’s requirements for Hybrid POS Terminals.

Cirrus Acceptance Mark

A Mark consisting of the Cirrus Brand Mark placed on the dark blue acceptance rectangle,

available at www.mastercardbrandcenter.com.

Cirrus Access Device

An Access Device that uses at least one Cirrus Payment Application to provide access to a Cirrus

Account when used at an ATM Terminal or Bank Branch Terminal.

Cirrus Account

An account eligible to be a Cirrus Account and identified with a BIN/IIN associated with a

Portfolio designated by the Corporation as a Cirrus Portfolio in its routing tables.

Cirrus Brand Mark

A Mark consisting of the Cirrus Word Mark as a custom lettering legend placed within the

Corporation’s interlocking circles device. The Corporation is the exclusive owner of the Cirrus

Brand Mark.

Cirrus Card

A Card that provides access to a Cirrus Account.

Definitions

Chip-only MPOS Terminal

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Cirrus Customer

A Customer that has been granted a Cirrus License in accordance with the Standards.

Cirrus Payment Application

A Payment Application that stores Cirrus Account data.

Cirrus Word Mark

A Mark consisting of the word “Cirrus” followed by a registered trademark

™

symbol

(depending on its trademark status in a particular country) or the local law equivalent. “Cirrus”

must appear in English and be spelled correctly, with the letter “C” capitalized. “Cirrus” must not

be abbreviated, hyphenated, used in the plural or possessive, or translated from English into

another language. The Corporation is the exclusive owner of the Cirrus Word Mark.

Competing ATM Network

A Competing International ATM Network or a Competing North American ATM Network, as the

case may be.

Competing International ATM Network

A network of ATMs and payment cards, other than the Corporation, identified by a common

brand mark that is used exclusively or primarily for ATM interchange that:

1. Operates in at least three countries;

2. Uses a common service mark or marks to identify the ATMs and payment cards which

provide account access through it; and

3. Provides account access to at least 40,000,000 debit cards and by means of at least 25,000

ATMs.

Competing EFT POS Network

A network, other than any network owned and operated by the Corporation, which provides

access to Maestro Accounts at POS Terminals by use of payment cards and has the following

characteristics:

1. It provides a common service mark or marks to identify the POS Terminal and payment

cards, which provide Maestro Account access;

Definitions

Cirrus Customer

Transaction Processing Rules • 11 June 2024

375

2. It is not an affiliate of the Corporation; and

3. It operates in at least one country in which the Corporation has granted a License or

Licenses.

The following networks are designated without limitation to be Competing EFT POS Networks:

Interlink; Electron; and V-Pay.

Competing North American ATM Network

A network of ATMs and access cards, other than the Corporation, identified by a common brand

mark that is used exclusively or primarily for ATM interchange and that possesses each of the

following characteristics:

1. It operates in at least 40 of the states or provinces of the states and provinces of the United

States and Canada;

2. It uses a common service mark or common service marks to identify the terminals and cards

which provide account access through it;

3. There are at least 40,000,000 debit cards that provide account access through it; and

4. There are at least 12,000 ATMs that provide account access through it.

Consumer Device Cardholder Verification Method, Consumer Device

CVM, CDCVM

A CVM that occurs when personal credentials established by the Cardholder to access an

Account by means of a particular Access Device are entered on the Access Device and verified,

either within the Access Device or by the Issuer during online authorization. A CDCVM is valid if

the Issuer has approved the use of the CVM for the authentication of the Cardholder.

Contact Chip Transaction

A Transaction in which data is exchanged between the Chip Card and the Terminal through the

reading of the chip using the contact interface, in conformance with EMV specifications.

Contactless Payment Device

A means other than a Card by which a Cardholder may access an Account at a Terminal in

accordance with the Standards. A Contactless Payment Device is a type of Access Device that

exchanges data with the Terminal by means of radio frequency communications. Also see Mobile

Payment Device.

Definitions

Competing North American ATM Network

Transaction Processing Rules • 11 June 2024

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Contactless Transaction

A Transaction in which data is exchanged between the Chip Card or Access Device and the

Terminal through the reading of the chip using the contactless interface, by means of radio

frequency communications. Also see EMV Mode Contactless Transaction, Magnetic Stripe Mode

Contactless Transaction.

Control, Controlled

As used herein, Control has such meaning as the Corporation deems appropriate in its sole

discretion given the context of the usage of the term and all facts and circumstances the

Corporation deems appropriate to consider. As a general guideline, Control often means to have,

alone or together with another entity or entities, direct, indirect, legal, or beneficial possession

(by contract or otherwise) of the power to direct the management and policies of another

entity.

Corporation

Mastercard International Incorporated, Maestro International Inc., and their subsidiaries and

affiliates. As used herein, Corporation also means the President and Chief Executive Officer of

Mastercard International Incorporated, or his or her designee, or such officers or other

employees responsible for the administration and/or management of a program, service,

product, system or other function. Unless otherwise set forth in the Standards, and subject to

any restriction imposed by law or regulation, or by the Board of Directors of Mastercard

International Incorporated, or by the Mastercard International Incorporated Certificate of

Incorporation or the Mastercard Incorporated Certificate of Incorporation (as each such

Certificate of Incorporation may be amended from time to time), each such person is authorized

to act on behalf of the Corporation and to so act in his or her sole discretion.

Corporation System

The Interchange System as defined in this manual.

Credential-on-file Transaction

A Transaction initiated at a Merchant location with a Stored Credential, pursuant to the

Cardholder’s express authorization for the use of such Stored Credential to effect the

Transaction.

Definitions

Contactless Transaction

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Credentials Management System

Facilitates credential preparation and/or remote mobile Payment Application management for

Mastercard Cloud-Based Payments.

Cross-border Transaction

A Transaction that occurs at a Card acceptance location in a different country from the country

in which the Card was issued.

Customer

A financial institution or other entity that has been approved for Participation. A Customer may

be a Principal, Association, Affiliate, Digital Activity Customer, Sponsored Digital Activity Entity,

or PTA Customer. Also see Cirrus Customer, Maestro Customer, Mastercard Customer, Member.

Customer Report

Any report that a Customer is required to provide to the Corporation, whether on a one-time or

repeated basis, pertaining to its License, Activities, Digital Activity Agreement, Digital Activities,

PTA Agreement, Payment Transfer Activities, use of any Mark, or any such matters. By way of

example and not limitation, the Quarterly Mastercard Report (QMR) is a Customer Report.

Data Storage Entity (DSE)

A Service Provider that performs any one or more of the services as DSE Program Service.

Device Binding

The process by which a Wallet Token Requestor binds a Mastercard Token corresponding to a

Cardholder’s Account to that Cardholder’s Mobile Payment Device, which may consist of:

• The provisioning of the Token and its associated encryption keys into the secure element

within the Mobile Payment Device;

• The loading of an application for a remotely-managed secure server into the Mobile Payment

Device and the successful communication of the device with the application; or

• Other methodology acceptable to the Corporation.

Definitions

Credentials Management System

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Digital Activity(ies)

The undertaking of any lawful act pursuant to approval by the Corporation as set forth in a

Digital Activity Agreement or other written documentation. Participation in the Mastercard

Digital Enablement Service as a Wallet Token Requestor is a Digital Activity.

Digital Activity Agreement

The contract between the Corporation and a Digital Activity Customer granting the Digital

Activity Customer the right to participate in Digital Activity and a limited License to use one or

more of the Marks in connection with such Digital Activity, in accordance with the Standards.

Digital Activity Customer

A Customer that participates in Digital Activity pursuant to a Digital Activity Agreement and

which may not issue Cards, acquire Transactions, or Sponsor any other Customer into the

Corporation.

Digital Activity Service Provider (DASP)

A Service Provider that performs any one or more of the services described in Rule 7.1 of the

Mastercard Rules as DASP Program Service.

Digital Activity Sponsoring Customer

A Principal Customer or Digital Activity Customer that sponsors a Sponsored Digital Activity

Entity to participate in Digital Activity.

Digital Goods

Any goods that are stored, delivered, and used in electronic format, such as, by way of example

but not limitation, books, newspapers, magazines, music, games, game pieces, and software

(excluding gift cards). The delivery of a purchase of Digital Goods may occur on a one-time or

subscription basis.

Digital Wallet

A Pass-through Digital Wallet or a Staged Digital Wallet.

Definitions

Digital Activity(ies)

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Digital Wallet Operator (DWO)

A Service Provider that operates a Staged Digital Wallet or a Customer that operates a Pass-

through Digital Wallet. A Merchant that stores Mastercard or Maestro Account data solely on

its own behalf to effect Transactions initiated by the consumer is not deemed to be a DWO.

Digital Wallet Operator (DWO) Security Incident, DWO Security

Incident

Any incident pertaining to the unintended or unlawful disclosure of Personal Data in connection

with such Personal Data being processed through a DWO.

Digital Wallet Operator Mark, DWO Mark

A Mark identifying a particular Pass-through Digital Wallet and/or Staged Digital Wallet, and

which may be displayed at the POI to denote that a retailer, or any other person, firm, or

corporation, accepts payments effected by means of that Pass-through Digital Wallet and/or

Staged Digital Wallet. A “Staged DWO Mark” and a “Pass-through DWO Mark” are both types

of DWO Marks.

Digitization, Digitize

Data preparation performed by, or on behalf of, an Issuer prior to the provisioning of Account

credentials or a PTA Customer prior to the provisioning of PTA Account credentials, in the form

of a Mastercard Token, onto a Payment Device or into a server. Digitization includes

Tokenization.

Domestic Transaction

See Intracountry Transaction.

Dual Interface

The description of a Terminal or Card that is capable of processing Contactless Transactions by

means of its contactless interface and Contact Chip Transactions by means of its contact

interface.

Definitions

Digital Wallet Operator (DWO)

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Electronic Money

Electronically (including magnetically) accessed monetary value as represented by a claim on the

Electronic Money Issuer which:

1. Is issued on receipt of funds for the purpose of making transactions with payment cards;

and

2. Is accepted by the Electronic Money Issuer or a person other than the Electronic Money

Issuer.

Electronic Money Issuer

An Electronic Money Institution with respect only to its issuing activities.

Electronic Money Institution

An entity authorized by applicable regulatory authority or other government entity as an

“electronic money institution,” “e-money institution,” “small electronic money institution,” or any

other applicable qualification under which an entity is authorized to issue or acquire Electronic

Money transactions under applicable law or regulation.

EMV Mode Contactless Transaction

A Contactless Transaction in which the Terminal and the chip exchange data, enabling the chip

to approve the Transaction offline on the Issuer’s behalf or to request online authorization from

the Issuer, in compliance with the Standards.

Funding Transaction

A Funding Transaction is a Point-of-Sale (POS) Transaction for the purchase of funds transfer

services that involves the transfer of funds from an eligible Account by an Acquirer on behalf of

the Cardholder (directly or indirectly) for the purpose of either: (a) funding a subsequent and

linked funds transfer from the Cardholder to another person or entity or (b) transferring funds

into another eligible financial account held by that same Cardholder. Eligible Accounts and

eligible financial accounts are set out in the Mastercard MoneySend and Funding Transactions

Program Standards.

Definitions

Electronic Money

Transaction Processing Rules • 11 June 2024

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Gaming Payment Transaction

A type of Payment Transaction that transfers winnings or value usable for gambling or gaming

to a Mastercard or Maestro Account.

Gateway Customer

A Customer that uses the Gateway Processing service.

Gateway Processing

A service that enables a Customer to forward a Gateway Transaction to and/or receive a

Gateway Transaction from the Mastercard ATM Network

Gateway Transaction

An ATM transaction effected with a payment card or other access device not bearing a Mark

that is processed through or using the Mastercard ATM Network

Global Collection Only (GCO) Data Collection Program

A program of the Corporation pursuant to which a Customer must provide collection-only

reporting of non-Processed Transactions effected with a Card, Access Device, or Account issued

under a Mastercard-assigned BIN via the Corporation’s Global Clearing Management System

(GCMS), in accordance with the requirements set forth in the Mastercard Global Collection Only

manual.

Government Controlled Merchant

A Merchant that is a government entity or an entity that is at least fifty percent (50%) owned

or controlled (either directly, indirectly, legally or beneficially) by a government or government

entity.

Host Card Emulation (HCE)

The presentation on a Mobile Payment Device of a virtual and exact representation of a Chip

Card using only software on the Mobile Payment Device and occurring by means of its

communication with a secure remote server.

Definitions

Gaming Payment Transaction

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Hybrid Terminal

A Terminal, including any POS or MPOS Terminal (“Hybrid POS Terminal,” “Hybrid MPOS

Terminal”), ATM Terminal (“Hybrid ATM Terminal”), or Bank Branch Terminal (“Hybrid Bank

Branch Terminal”), that:

1. Is capable of processing both Contact Chip Transactions and magnetic stripe Transactions;

2. Has the equivalent hardware, software, and configuration as a Terminal with full EMV Level

1 and Level 2 type approval status with regard to the chip technical specifications; and

3. Has satisfactorily completed the Corporation’s Terminal Integration Process (TIP) in the

appropriate environment of use.

ICA

A unique number assigned by the Corporation to identify a Customer in relation to Activity.

Identification & Verification (ID&V)

The identification and verification of a person as the Cardholder to whom the Issuer allocated

the Account PAN to be Tokenized.

Independent Sales Organization (ISO)

A Service Provider that performs any one or more of the services as ISO Program Service.

Installment Lending Agreement

The agreement between the Installment Service Provider and an End User, which includes terms

and conditions governing the relationship between the parties, such as lending amount and

repayment terms.

Installment Provider

An Installment Service Provider that accepts a Card for the remittance phase of the Installment

Lending Agreement, or other entity that accepts a Card pursuant to the Cardholder’s

agreement to remit payment in installments for the purchase of goods or services from a

retailer on whose behalf the Installment Provider offers installment billing services.

Definitions

Hybrid Terminal

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Interchange System

The computer hardware and software operated by and on behalf of the Corporation for the

routing, processing, and settlement of Transactions and PTA Transactions including, without

limitation, the Mastercard Network, the Mastercard ATM Network, the Dual Message System,

the Single Message System, the Global Clearing Management System (GCMS), the Settlement

Account Management (SAM) system and the China Switch system.

Inter-European Transaction

A Transaction completed using a Card issued in a country or territory listed in Single European

Payments Area (SEPA) at a Terminal located in a country or territory listed in Non-Single

European Payments Area (Non-SEPA) or Transaction completed using a Card issued in a country

or territory listed in Non-Single European Payments Area (Non–SEPA) at a Terminal located in a

country or territory listed in Single European Payments Area (SEPA).

Interregional Transaction

A Transaction that occurs at a Card acceptance location in a different Region from the Region in

which the Card was issued. In the Europe Region, the term “Interregional Transaction” includes

any “Inter-European Transaction,” as such term is defined in the “Europe Region” chapter of the

Mastercard Rules.

Intracountry Transaction

A Transaction that occurs at a Card acceptance location in the same country as the country in

which the Card was issued. A Transaction conducted with a Card bearing one or more of the

Brand Marks, either alone or in combination with the marks of another payment scheme, and

processed as a Transaction, as shown by the Card type identification in the Transaction record,

via either the Interchange System or a different network, qualifies as an Intracountry

Transaction. “Domestic Transaction” is an alternative term for Intracountry Transaction.

Intra–European Transaction

An Intra-Non-SEPA Transaction or an Intra–SEPA Transaction, but not an Inter–European

Transaction.

Definitions

Interchange System

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Intra–Non–SEPA Transaction

A Transaction completed using a Card issued in a country or territory listed in Non–Single

European Payments Area (Non–SEPA) at a Terminal located in a country or territory listed in

Non–Single European Payments Area (Non–SEPA).

Intraregional Transaction

A Transaction that occurs at a Card acceptance location in a different country from the country

in which the Card was issued, within the same Region. In the Europe Region, this term is

replaced by “Intra-European Transaction,” as such term is defined in the “Europe Region”

chapter of the Mastercard Rules.

Issuer

A Customer in its capacity as an issuer of a Card or Account.

License, Licensed

The contract between the Corporation and a Customer granting the Customer the right to use

one or more of the Marks in accordance with the Standards and in the case of Payment Transfer

Activity, includes a PTA Agreement. To be “Licensed” means to have such a right pursuant to a

License.

Licensee

A Customer or other person authorized in writing by the Corporation to use one or more of the

Marks.

Maestro

Maestro International Incorporated, a Delaware U.S.A. corporation or any successor thereto.

Maestro Acceptance Mark

A Mark consisting of the Maestro Brand Mark placed on the dark blue acceptance rectangle, as

available at www.mastercardbrandcenter.com.

Definitions

Intra–Non–SEPA Transaction

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Maestro Access Device

An Access Device that uses at least one Maestro Payment Application to provide access to a

Maestro Account when used at a Terminal.

Maestro Account

An account eligible to be a Maestro Account and identified with a BIN/IIN associated with a

Portfolio designated by the Corporation as a Maestro Portfolio in its routing tables.

Maestro Brand Mark

A Mark consisting of the Maestro Word Mark as a custom lettering legend placed within the

Corporation’s interlocking circles device. The Corporation is the exclusive owner of the Maestro

Brand Mark.

Maestro Card

A Card that provides access to a Maestro Account.

Maestro Customer

A Customer that has been granted a Maestro License in accordance with the Standards.

Maestro Payment Application

A Payment Application that stores Maestro Account data.

Maestro Word Mark

A Mark consisting of the word “Maestro” followed by a registered trademark

™

symbol

(depending on its trademark status in a particular country) or the local law equivalent.

“Maestro” must appear in English and be spelled correctly, with the letter “M” capitalized.

“Maestro” must not be abbreviated, hyphenated, used in the plural or possessive, or translated

from English into another language. Maestro is the exclusive owner of the Maestro Word Mark.

Definitions

Maestro Access Device

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Magnetic Stripe Mode Contactless Transaction

A Contactless Transaction in which the Terminal receives static and dynamic data from the chip

and constructs messages that can be transported in a standard magnetic stripe message

format, in compliance with the Standards.

Manual Cash Disbursement Transaction

A disbursement of cash performed upon the acceptance of a Card by a Customer financial

institution teller. A Manual Cash Disbursement Transaction is identified with MCC 6010 (Manual

Cash Disbursements—Customer Financial Institution).

Marks

The names, logos, trade names, logotypes, sounds, animations, haptics, visual depictions,

trademarks, service marks, trade designations, and other designations, symbols, and marks that

the Corporation owns, manages, licenses, or otherwise Controls and makes available for use by

Customers and other authorized entities in accordance with a License. A “Mark” means any one

of the Marks.

Mastercard

Mastercard International Incorporated, a Delaware U.S.A. corporation.

Mastercard Acceptance Mark

A Mark consisting of the Mastercard Brand Mark or Mastercard Symbol placed on the dark blue

acceptance rectangle, as available at www.mastercardbrandcenter.com.

Mastercard Access Device

An Access Device that uses at least one Mastercard Payment Application to provide access to a

Mastercard Account when used at a Terminal.

Definitions

Magnetic Stripe Mode Contactless Transaction

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Mastercard Account

Any type of account (credit, debit, prepaid, commercial, etc.) identified as a Mastercard Account

with a primary account number (PAN) that begins with a BIN in the range of 222100 to 272099

or 510000 to 559999.

Mastercard Biometric Card

A Mastercard or Maestro Chip Card containing a fingerprint sensor and compliant with the

Corporation’s biometric Standards.

Mastercard Brand Mark

A Mark consisting of the Mastercard Word Mark as a custom lettering legend placed within the

Mastercard Interlocking Circles Device. The Corporation is the exclusive owner of the Mastercard

Brand Mark. The Mastercard Symbol is also a Mastercard Brand Mark.

Mastercard-branded Application Identifier (AID)

Any of the Corporation’s EMV chip application identifiers for Mastercard, Maestro, and Cirrus

Payment Applications as defined in the M/Chip Requirements manual.

Mastercard Card

A Card that provides access to a Mastercard Account.

Mastercard Cloud-Based Payments

A specification that facilitates the provisioning of Digitized Account data into a Host Card

Emulation (HCE) server and the use of the remotely stored Digitized Account data, along with

single-use payment credentials, in Transactions effected by a Cardholder using a Mobile

Payment Device. The Mastercard Digital Enablement Service offers Mastercard Cloud-Based

Payments as an on-behalf service.

Mastercard Consumer-Presented QR Transaction

A Mastercard Consumer-Presented QR Transaction is an EMV Chip Transaction effected

through the presentment of a QR Code by the Cardholder, using a Mobile Payment Device, and

Definitions

Mastercard Account

Transaction Processing Rules • 11 June 2024

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the capture of the QR Code by the Merchant containing the Transaction Data required to

initiate a Transaction.

Each Mastercard Consumer-Presented QR Transaction must comply with all requirements set

forth in the Standards applicable to a Mastercard Consumer-Presented QR Transaction,

including but not limited to those herein, in the technical specifications for authorization

messages, in the M/Chip Requirements for Contact and Contactless manual, and in the

Mastercard Cloud-Based Payments (MCBP) documentation.

Mastercard Customer

A Customer that has been granted a Mastercard License in accordance with the Standards. Also

see Member.

Mastercard Digital Enablement Service

Any of the services offered by the Corporation exclusively to Customers for the digital

enablement of Account and/or PTA Account data, including but not limited to ID&V Service,

Tokenization Service, Digitization Service, Token Mapping Service, Mastercard Cloud-Based

Payments, Digital Card Image Database, CVC 3 pre-validation and other on-behalf

cryptographic validation services, and Service Requests.

Mastercard Europe

Mastercard Europe SA, a Belgian private limited liability (company).

Mastercard Incorporated

Mastercard Incorporated, a Delaware U.S.A. corporation.

Mastercard Payment Application

A Payment Application that stores Mastercard Account data.

Mastercard Safety Net

A service offered by the Corporation that performs fraud monitoring at the network level for all

Transactions processed on the Mastercard Network. The service invokes targeted measures to

provide protective controls on behalf of a participating Issuer to assist in minimizing losses in the

event of a catastrophic fraud attack.

Definitions

Mastercard Customer

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Mastercard Symbol

A Mark consisting of the Mastercard interlocking circles device. The Corporation is the exclusive

owner of the Mastercard Symbol. The Mastercard Symbol is also a Mastercard Brand Mark.

Mastercard Token

A Token allocated from a Mastercard Token Account Range that the Corporation has designated

to an Issuer or PTA Customer and that corresponds to an Account PAN or a PTA Account

Number. The Corporation exclusively owns all right, title, and interest in any Mastercard Token.

Mastercard Token Account Range

A bank identification number (BIN) or portion of a BIN (“BIN range”) designated by the

Corporation to an Issuer or PTA Customer for the allocation of Mastercard Tokens in a particular

Token implementation. A Mastercard Token Account Range must be designated from a BIN

reserved for the Corporation by the ISO Registration Authority and for which the Corporation is

therefore the “BIN Controller,” as such term is defined in the EMV Payment Tokenization

Specification Technical Framework (also see the term “Token BIN Range” in that document). A

Mastercard Token Account Range is identified in the Corporation’s routing tables as having the

same attributes as the corresponding Account PAN Range or the range of PTA Account

Numbers.

Mastercard Token Vault

The Token Vault owned and operated by Mastercard and enabled by means of the Mastercard

Digital Enablement Service.

Mastercard Word Mark

A Mark consisting of the word “Mastercard” followed by a registered trademark

symbol or the

local law equivalent. “Mastercard” must appear in English and be spelled correctly, with the

letters “M” and “C” capitalized. “Mastercard” must not be abbreviated, hyphenated, used in the

plural or possessive, or translated from English into another language. The Corporation is the

exclusive owner of the Mastercard Word Mark.

Definitions

Mastercard Symbol

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390

Member, Membership

A financial institution or other entity that is approved to be a Mastercard Customer in

accordance with the Standards and which, as a Mastercard Customer, has been granted

membership (“Membership”) in and has become a member (“Member”) of the Corporation.

“Membership” also means “Participation.”

Merchandise Transaction

The purchase by a Cardholder of merchandise or a service, but not currency, in an approved

category at an ATM Terminal and dispensed or otherwise provided by such ATM Terminal. A

Merchandise Transaction is identified with MCC 6012 (Merchandise and Services—Customer

Financial Institution), unless otherwise specified.

Merchant

A retailer, or any other person, firm or corporation that, pursuant to a Merchant Agreement,

agrees to accept Cards when properly presented.

Merchant Agreement

An agreement between a Merchant and a Customer that sets forth the terms pursuant to

which the Merchant is authorized to accept Cards.

Merchant Card-on-File Tokenization

The use of the Mastercard Digital Enablement Service (MDES) to replace Mastercard or

Maestro Account data (meaning PAN and expiration date), that the Cardholder expressly

authorized a Merchant to store for use in a future Transaction, with a Mastercard Token.

Merchant Token Requestor

A Merchant approved by the Corporation to conduct Digital Activity and authorized to connect

directly or indirectly to the Mastercard Digital Enablement Service (MDES) for the purpose of

Tokenizing a Mastercard or Maestro Account primary account number (PAN) provided by a

Cardholder for use in a future Transaction with the Merchant. A Merchant Token Requestor is a

type of Token Requestor.

Definitions

Member, Membership

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391

Merchant-initiated Transaction (MIT)

A Card-not-present Transaction that a Merchant initiates based on a prior agreement with the

Cardholder, and in which the Cardholder does not actively participate. An MIT may be a

recurring payment (standing order, subscription, unscheduled COF, or installment payment) or

industry practice (partial shipment, related/delayed charge, no-show, or resubmission).

Mobile Payment Device

A Cardholder-controlled mobile device containing a Payment Application compliant with the

Standards, and which uses an integrated keyboard and screen to access an Account. A Mobile

Payment Device may also be a Contactless Payment Device or a Mastercard Consumer-

Presented QR payment device.

Mobile POS (MPOS) Terminal

An MPOS Terminal enables a mobile device to be used as a POS Terminal. Card “reading” and

software functionality that meets the Corporation’s requirements may reside within the mobile

device, on a server accessed by the mobile device, or in a separate accessory connected (such as

via Bluetooth or a USB port) to the mobile device. The mobile device may be any multi-purpose

mobile computing platform, including, by way of example and not limitation, a feature phone,

smart phone, tablet, or personal digital assistant (PDA).

MoneySend Payment Transaction

A type of Payment Transaction that is effected pursuant to, and subject to, the Mastercard

MoneySend and Funding Transactions Program Standards.

Multi-Account Chip Card

A Chip Card with more than one Account encoded in the chip.

Non-Mastercard BIN Maestro card-not-present (CNP) debit card

A U.S. Region or U.S. Territory issued debit card with a Primary Account Number starting with a

four and enhanced with Maestro functionality that transacts card-not-present at a Maestro

Merchant located in the U.S. Region or a U.S. Territory.

Definitions

Merchant-initiated Transaction (MIT)

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Non-Mastercard Funding Source

Any funding source used to fund a PTA Transaction other than an Account.

Non-Mastercard Receiving Account

Any receiving account used to receive a PTA Transaction other than an Account.

Non-Mastercard Systems and Networks Standards

The applicable rules, regulations, by-laws, standards, procedures, and any other obligations or

requirements of an applicable payment network or system that is not owned, operated, or

controlled by the Corporation.

On-behalf Token Requestor

A Digital Activity Customer, other Customer, Network Enablement Partner, or other entity

approved by the Corporation to conduct Digital Activity and authorized to Tokenize a

Mastercard or Maestro primary account number (PAN) using the Mastercard Digital

Enablement Service (MDES) on behalf of a DWO or Merchant. Also called a Token Aggregator.

On-Device Cardholder Verification

The use of a CDCVM as the CVM for a Transaction.

Originating Account Holder

The Account Holder originating the PTA Transaction.

Originating Institution (OI)

A PTA Customer that Participates in a Payment Transfer Activity as an originator of PTA

Transactions.

Definitions

Non-Mastercard Funding Source

Transaction Processing Rules • 11 June 2024

393

Ownership, Owned

As used herein, ownership has such meaning as the Corporation deems appropriate in its sole

discretion given the context of the usage of the term in all facts and circumstances the

Corporation deems appropriate to consider. As a general guideline, ownership often means to

own indirectly, legally, or beneficially more than fifty percent (50 percent) of an entity.

Participation

The right to participate in Activity, Digital Activity, and/or Payment Transfer Activity granted to

a Customer by the Corporation. For a Mastercard Customer, Participation is an alternative term

for Membership.

Pass-through Digital Wallet

Functionality which can be used at more than one Merchant, and by which the Pass-through

Digital Wallet Operator stores Mastercard or Maestro Account data provided by the Cardholder

to the DWO for purposes of effecting a payment initiated by the Cardholder to a Merchant or

Sponsored Merchant, and upon the performance of a Transaction, transfers the Account data

to the Merchant or Sponsored Merchant, or to its Acquirer or the Acquirer’s Service Provider.

Pass-through Digital Wallet Operator (DWO)

A Digital Activity Customer or other Customer, approved by the Corporation to engage in Digital

Activity, that operates a Pass-through Digital Wallet.

Payment Account Reference (PAR)

A unique non-financial alphanumeric value assigned to an Account PAN or PTA Account Number

that is used to link the Account PAN or PTA Account Number to all of its corresponding Tokens.

Payment Application

A package of code and data stored in a Card, an Access Device, a server, or a combination of

Access Device and server, that when exercised outputs a set of data that may be used to effect

a Transaction, in accordance with the Standards. A Mastercard Payment Application, Maestro

Payment Application, and Cirrus Payment Application is each a Payment Application.

Definitions

Ownership, Owned

Transaction Processing Rules • 11 June 2024

394

Payment Facilitator

A Service Provider registered by an Acquirer to facilitate the acquiring of Transactions by the

Acquirer from Sponsored Merchant, and which in doing so, performs any one or more of the

services as PF Program Service.

Payment Transaction

A PTA Transaction that transfers funds to an Account. A Payment Transaction is not a credit

that reverses a previous purchase. Includes MoneySend Payment Transaction and Gaming

Payment Transaction.

Payment Transfer Activity(ies) (PTA)

The undertaking of any lawful act that can be undertaken only pursuant to a PTA Agreement or

pursuant to a License granted by the Corporation. Participation in a PTA Program is Payment

Transfer Activity.

Personal Data

Any information relating to an identified or identifiable natural person. An identifiable natural

person is one who can be identified, directly or indirectly, in particular by reference to an

identification number or to one or more factors specific to his or her physical, physiological,

mental, economic, cultural, or social identity.

Point of Interaction (POI)

The location at which a Transaction occurs or a PTA Transaction originates, as determined by

the Corporation.

Point-of-Sale (POS) Terminal

One of the following:

• An attended or unattended device including any commercial off-the-shelf (COTS) or other

device enabled with mobile point-of-sale (MPOS) functionality, that is in the physical

possession of a Merchant and is deployed in or at the Merchant’s premises, and which

enables a Cardholder to use a Card or Access Device to effect a Transaction for the purchase

of products or services sold by such Merchant; or

• A Bank Branch Terminal

Definitions

Payment Facilitator

Transaction Processing Rules • 11 June 2024

395

A POS Terminal must comply with the POS Terminal security and other applicable Standards.

Point–of–Sale (POS) Transaction

The sale of products or services by a Merchant to a Cardholder pursuant to acceptance of a

Card by the Merchant, or a Manual Cash Disbursement Transaction. A POS Transaction

conducted by a Merchant may be a Card-present Transaction taking place in a face-to-face

environment or at an unattended POS Terminal, or a Card-not-present Transaction taking place

in a non-face-to-face environment (for example, an e-commerce, mail order, phone order, or

recurring payment Transaction).

Portfolio

All Cards issued bearing the same major industry identifier, BIN/IIN, and any additional digits

that uniquely identify Cards for routing purposes.

Principal Customer, Principal

A Customer that participates directly in Activity using its assigned BINs/IINs and which may

Sponsor one or more Affiliates.

Processed PTA Transaction

A PTA Transaction which is:

1. Initiated by or on behalf of the Originating Institution via the Corporation System in

accordance with the Standards; and

2. Cleared, meaning the Originating Institution transferred the PTA Transaction data within

the applicable time frame to the Corporation via the Corporation System, for the purpose

of a transfer of funds via the Corporation System, and such PTA Transaction data is

subsequently transferred by the Corporation to the Receiving Customer for such purpose.

Processed Transaction

A Transaction which is:

1. Authorized by the Issuer via the Interchange System, unless a properly processed offline

Chip Transaction approval is obtained or no authorization is required, in accordance with the

Standards; and

2. Cleared, meaning the Acquirer transferred the Transaction Data within the applicable

presentment time frame to the Corporation via the Interchange System, for the purpose of

Definitions

Point–of–Sale (POS) Transaction

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396

a transfer of funds via the Interchange System, and such Transaction Data is subsequently

transferred by the Corporation to the Issuer for such purpose.

Program

A Customer’s Card issuing program, Merchant acquiring program, ATM Terminal acquiring

program, Digital Activity program, and/or a PTA Program in which a Customer, a Network

Enablement Partner, or other entity approved by the Corporation Participating.

Program Service

Any service described in the Standards that directly or indirectly supports a Program and

regardless of whether the entity providing the service is registered as a Service Provider of one

or more Customers. The Corporation has the sole right to determine whether a service is a

Program Service.

PTA Account

A PTA Originating Account and/or a PTA Receiving Account.

PTA Account Number

The account number allocated to a PTA Account by a PTA Customer.

PTA Account Portfolio

All PTA Accounts issued by a PTA Customer.

PTA Agreement

The agreement between the Corporation and a PTA Customer granting the PTA Customer the

right to Participate in a PTA Program, in accordance with the Standards.

PTA Customer

A Customer that Participates in a PTA Program pursuant to a PTA Agreement.

Definitions

Program

Transaction Processing Rules • 11 June 2024

397

PTA Originating Account

The funding source of the Originating Account Holder, from where funds are acquired by the

Originating Institution to initiate a PTA Transaction.

PTA Program

A type of Payment Transfer Activity that is identified in the applicable Standards as being a PTA

Program, including the MoneySend Program, the Mastercard Merchant Presented QR Program,

the Mastercard Send Cross-Border Service, and the Mastercard Gaming and Gambling

Payments Program.

PTA Receiving Account

The Account or, if applicable for a particular PTA Program (as set forth in the Standards for such

PTA Program), the Non-Mastercard Receiving Account, held by a Receiving Account Holder and

to which the Receiving Customer must ensure receipt of a PTA Transaction.

PTA Settlement Guarantee Covered Program

A PTA Settlement Obligation arising from a PTA Transaction conducted pursuant to a PTA

Program that is identified in the applicable Standards as being a PTA Settlement Guarantee

Covered Program.

PTA Settlement Obligation

A financial obligation of a Principal or Association PTA Customer to another Principal or

Association PTA Customer arising from a PTA Transaction.

PTA Transaction

A financial transaction in which funds are transferred from an Originating Institution to a

Receiving Customer on behalf of Account Holders pursuant to a PTA Program.

Quick Response (QR) Code

An ISO 18004-compliant encoding and visualization of data.

Definitions

PTA Originating Account

Transaction Processing Rules • 11 June 2024

398

Receiving Account Holder

The Account Holder receiving the PTA Transaction.

Receiving Agent

A PTA Customer that Participates in Payment Transfer Activity as an agent for the purpose of

receiving a PTA Transaction.

Receiving Customer

A Receiving Agent or a Receiving Institution.

Receiving Institution (RI)

A PTA Customer that Participates in Payment Transfer Activity as a receiver of PTA

Transactions on behalf of a Receiving Account Holder.

Region

A geographic region as defined by the Corporation from time to time. See Appendix A of the

Mastercard Rules manual.

Remote Electronic Transaction

In the Europe Region, all types of Card-not-present Transactions (e-commerce Transactions,

recurring payments, installments, Card-on-file Transactions, in-app Transactions, and

Transactions completed through a Digital Wallet). Mail order and telephone order (MO/TO)

Transactions and Transactions completed with anonymous prepaid Cards are excluded from this

definition.

Rules

The Standards set forth in this manual.

Definitions

Receiving Account Holder

Transaction Processing Rules • 11 June 2024

399

Service Provider

A person or entity that performs Program Service. The Corporation has the sole right to

determine whether a person or entity is or may be a Service Provider and if so, the category of

Service Provider. A Service Provider is an agent of the Customer that receives or otherwise

benefits from Program Service, whether directly or indirectly, performed by such Service

Provider

Settlement Obligation

A financial obligation of a Principal or Association Customer to another Principal or Association

Customer arising from a Transaction.

Shared Deposit Transaction

A deposit to a savings Account or checking Account conducted at an ATM Terminal located in

the U.S. Region, initiated with a Card issued by a U.S. Region Customer other than the Acquirer,

and processed through the Mastercard ATM Network.

Solicitation, Solicit

An application, advertisement, promotion, marketing communication, or the like distributed as

printed materials, in electronic format (including but not limited to an email, website, mobile

application, or social media platform), or both intended to solicit the enrollment of a person or

entity as a Cardholder or Account Holder or as a Merchant. To “Solicit” means to use a

Solicitation.

Special Issuer Program

Issuer Activity that the Corporation deems may be undertaken only with the express prior

consent of the Corporation. As of the date of the publication of these Rules, Special Issuer

Programs include Affinity Card Programs, Co-Brand Card Programs, and Prepaid Card

Programs, and with respect to Mastercard Activity only, Brand Value Transaction and

proprietary account, Remote Transaction Mastercard Account, and secured Mastercard Card

Programs.

Sponsor, Sponsorship

The relationship described in the Standards between:

Definitions

Service Provider

Transaction Processing Rules • 11 June 2024

400

• a Principal or Association and an Affiliate that engages in Activity indirectly through the

Principal or Association, in which case, the Principal or Association is the Sponsor of the

Affiliate and the Affiliate is Sponsored by the Principal or Association;

• a Payment Facilitator and a Sponsored Merchant, in which case the Payment Facilitator is

the Sponsor of the Sponsored Merchant and the Sponsored Merchant is Sponsored by the

Payment Facilitator; or

• a Digital Activity Sponsoring Customer and a Sponsored Digital Activity Entity, in which case

the Digital Activity Sponsoring Customer is the Sponsor of the Sponsored Digital Activity

Entity.

“Sponsorship” means the Sponsoring of a Customer, a Sponsored Merchant, or a Sponsored

Digital Activity Entity.