Transaction Processing Rules - MasterCard · Card at an ATM Terminal and routed to the Interchange...

Transaction ProcessingRules9 June 2015

Notices

Proprietary Rights

The information contained in this document is proprietary and confidential to MasterCard InternationalIncorporated, one or more of its affiliated entities (collectively MasterCard), or both.

This material may not be duplicated, published, or disclosed, in whole or in part, without the prior writtenpermission of MasterCard.

Trademarks

Trademark notices and symbols used in this document reflect the registration status of MasterCardtrademarks in the United States. Please consult with the Customer Operations Services team or theMasterCard Law Department for the registration status of particular product, program, or service namesoutside the United States.

All third-party product and service names are trademarks or registered trademarks of their respectiveowners.

Disclaimer

MasterCard makes no representations or warranties of any kind, express or implied, with respect to thecontents of this document. Without limitation, MasterCard specifically disclaims all representations andwarranties with respect to this document and any intellectual property rights subsisting therein or any partthereof, including but not limited to any and all implied warranties of title, non-infringement, or suitabilityfor any purpose (whether or not MasterCard has been advised, has reason to know, or is otherwise in factaware of any information) or achievement of any particular result. Without limitation, MasterCardspecifically disclaims all representations and warranties that any practice or implementation of thisdocument will not infringe any third party patents, copyrights, trade secrets or other rights.

Translation

A translation of any MasterCard manual, bulletin, release, or other MasterCard document into a languageother than English is intended solely as a convenience to MasterCard customers. MasterCard provides anytranslated document to its customers AS IS and makes no representations or warranties of any kind withrespect to the translated document, including, but not limited to, its accuracy or reliability. In no event shallMasterCard be liable for any damages resulting from reliance on any translated document. The Englishversion of any MasterCard document will take precedence over any translated version in any legalproceeding.

Information Available Online

MasterCard provides details about the standards used for this documentincluding times expressed,language use, and contact informationon the Publications Support page available on MasterCardConnect. Go to Publications Support for centralized information.

Notices

20132015 MasterCard. Proprietary. All rights reserved.Transaction Processing Rules 9 June 2015 TPR

Applicability of Rules in this Manual

This manual contains Rules for the MasterCard, Maestro and Cirrus brands. The Rules relate toActivity conducted pursuant to a License that MasterCard grants to a Customer for use of oneor more of these brands. If a particular brand or brands is not mentioned in a Rule, then theRule applies to all three brands.

The Rules in this manual pertain to the processing of Transactions. As used herein, aTransaction means a transaction resulting from the use of a MasterCard, Maestro, or CirrusCard, as the case may be.

The below table describes the applicability of the Rules for particular types of Transactions.Please note that the term POS Transaction refers to a Transaction that occurs at a Merchantlocation, 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 includeelectronic commerce (e-commerce), mail order, phone order, or recurring paymentTransactions.

Rules relating to Apply to

MasterCard POS Transactions A POS Transaction conducted with a MasterCard Card.

Maestro POS Transactions A POS Transaction conducted with:

A Maestro Card, or A MasterCard Card issued using a BIN identified by the

Corporation as Debit MasterCard and routed to the SingleMessage System.

ATM Transactions A Transaction conducted with a MasterCard, Maestro, or CirrusCard at an ATM Terminal and routed to the Interchange System.

Manual Cash DisbursementTransactions

A cash withdrawal Transaction conducted at a Customer financialinstitution teller with:

A MasterCard Card, or A Maestro or Cirrus Card at a PIN-based In-Branch Terminal and

routed to the Interchange System.

MasterCard ElectronicTransactions

A POS Transaction conducted with a MasterCard Electronic Card ata MasterCard Electronic Merchant.

MasterCard Mobile RemotePayment (MMRP) Transactions

A POS Transaction performed by an enrolled consumer using amobile device registered by the Issuer or its Service Manager andhaving MasterCard Mobile Remote Payment functionality. Theconsumer, as a MasterCard or Maestro Cardholder, initiates andauthenticates payments by entering a PIN or mobile-specificcredentials on the mobile device.


20132015 MasterCard. Proprietary. All rights reserved.Transaction Processing Rules 9 June 2015 3

Rules relating to Apply to

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

Modifying Words and Acronyms

From time to time, the meanings of the above terms are modified by the addition of anotherword or acronym. For example, a Debit MasterCard POS Transaction means a Transactionresulting from the use of a Debit MasterCard Card at the point of sale (POS). However, forease of use, not every modifying term is defined. While MasterCard alone interprets andenforces its Rules and other Standards, these Transaction Processing Rules endeavor to usedefined terms and other terms and terminology in a plain manner that will be generallyunderstood 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 conflictbetween a Rule and a variation of that Rule, the modification is afforded precedence and isapplicable. The Rules set forth in this manual are Standards and MasterCard has the sole rightto interpret and enforce the Rules and other Standards.



Summary of Changes, 9 June 2015

The below table reflects changes included in this update of the Transaction Processing Rulesmanual. For more information about changes to the Rules, see the Transaction ProcessingRules Report in the Rules and Policies section of Publications on MasterCard Connect.

Description of ChangeFor more information, referto...

Chapter 2Authorization and Clearing Requirements

PreauthorizationsMasterCard POS Transactions

PreauthorizationsMaestro POS Transactions

PreauthorizationsATM and Manual Cash DisbursementTransactions

Undefined Authorizations

Final Authorizations

Message Reason Code 4808 Chargeback Protection Period

Multiple Authorizations

Full and Partial Reversals

Asia/Pacific Region:

PreauthorizationsMaestro POS Transactions (title change only)

Europe Region:

Preauthorizations

PreauthorizationsATM and Manual Cash DisbursementTransactions

Undefined Authorizations

Final Authorizations

Message Reason Code 4808 Chargeback Protection Period


United States Region:

PreauthorizationsMaestro POS Transactions (title change only)


Revised authorization and preauthorization processing standardseffective in all regions as of 14 October 2016.

"Revised Standards for theProcessing of Authorizations andPreauthorizations," GlobalOperations Bulletin No. 12, 1December 2014




Europe Region:

Balance Inquiries

Added a reference to "inter-European" balance inquiries.

"Revised StandardsDefinition ofInter-European Transaction,"Europe Region Operations BulletinNo. 2, 2 February 2015

Multiple Clearing Messages

Modified standards so that a dual message acquirer may linkmultiple presentments to a single authorization message usingTrace ID. The first presentment must contain a value of 1403 or1404 in DE 25.

Revised Standards for MultipleClearing Records from a SingleApproved Authorization, GlobalOperations Bulletin No. 12, 1December 2014

Chapter 3Acceptance Procedures

Accepting a MasterCard Card

MasterCard Cardholder Verification Requirements

Performing a Signature Comparison

CVM Not Required for Refund Transactions

Maestro Cardholder Verification Requirements

POS Transaction Receipt Requirements

Revisions to contactless transaction processing requirements.

"Revised Standards forContactless Transactions," GlobalOperations Bulletin No. 3, 2March 2015.

Accepting a MasterCard Card

Suspicious Cards

Removed requirement to verify the last four digits of the PAN onsignature panels.

"Discontinuation of Requirementsto Print and Verify the Last FourDigits of the PAN on SignaturePanels," Global OperationsBulletin No. 12, 3 December2013.


Use of Card Validation Code (CVC) 2

Effective 1 October 2015, the CVC 2 validation program will applyto U.S.issued cards only.

"Revised Standards for the CVC 2Validation Program," GlobalOperations Bulletin No. 4, 1 April2015.




Obtaining an Authorization for a MasterCard POS Transaction

Authorization of Lodging, Cruise Line, and Vehicle RentalTransactions

Authorization When the Cardholder Adds a Gratuity

Charges for Loss, Theft, or DamageMasterCard POSTransactions Only

Revised authorization and preauthorization processing standardseffective in all regions as of 14 October 2016.

"Revised Standards for theProcessing of Authorizations andPreauthorizations," GlobalOperations Bulletin No. 12, 1December 2014

Contactless-only Acceptance

Romania added to the list of contactless-only acceptance countriesfor parking, festivals, and newsstands.

"Revised Standards forContactless-only Acceptance inRomania," Global OperationsBulletin No. 5, 1 May 2015

Refund Transactions

Removed requirement for the merchant to sign a refund receipt.

"Revised Standards forTransaction Receipts," GlobalOperations Bulletin No. 8, 1August 2014.

Europe Region:

Returned Products and Canceled Services

Refund Transactions

Effective 1 October 2015, a Europe Region Merchant may providea refund by any means. The service fee paid by the Issuer isindependent of the POS Transaction interchange fee.

"Revised StandardsRefunds,"Europe Region Operations BulletinNo. 4a, 21 April 2015

Chapter 4CardPresent Transactions

Contactless Transactions at POS Terminals

Contactless Transit Aggregated Transactions

Contactless Transactions at ATM Terminals

Revisions to contactless transaction processing requirements.

"Revised Standards forContactless Transactions," GlobalOperations Bulletin No. 3, 2March 2015.

Chapter 5CardNotPresent Transactions

E-commerce TransactionsIssuer Requirements

Added new Standards for merchants, issuers, and acquirerspertaining to the handling of digital goods purchases under USD25 at electronic commerce (e-commerce) merchants, effective 17April 2015.

Revised Standards forChargeback and SAFE Reportingfor E-Commerce Digital GoodsPurchases Under USD 25, GlobalSecurity Bulletin No. 10, 15October 2014




Use of Static AAV for Card-not-present Transactions

Removed mention of MARP due to decommission and migrationto use of MasterPass wallet. Use of static AAV for other programssuch as Maestro utility payment program (MUPP) will be retainedwithin the Europe Region.

Modifications to e-CommerceAuthentication Programs,Europe Region Operations BulletinNo. 2, 3 February 2014

Chapter 7Terminal Requirements

Contactless Payment Functionality

Contactless Reader Requirements

Added requirements for contactless-enabled terminals.

"New Standards for Migration toMasterCard Contactless ReaderSpecification Version 3.0" and"New Standards for ProximityCoupling Devices in NewContactless ReaderDeployments," Global OperationsBulletin No. 11, 3 November 2014

"Revised Standards forContactless Transactions," GlobalOperations Bulletin No. 3, 2March 2015

"Revised Standards forContactless Transactions -Clarification," Global OperationsBulletin No. 4, 1 April 2015

"Revised Standards for Migrationto MasterCard Contactless ReaderSpecification Version 3.0," ItalyOperations Bulletin No. 1, 28 April2015

"New Standards for Migration toMasterCard Contactless ReaderSpecification Version 3.0," MiddleEast/Africa Region OperationsBulletin No. 1, 22 January 2015




POS Terminal Requirements


ATM Terminal and PIN-based In-Branch Terminal Requirements


Latin America and the Caribbean Region:






Added contactless transaction requirements.


Middle East/Africa Region:


Added new Standards to indicate that Contactless readers in theMiddle East/Africa Region must comply with MCL version 3.0 orEMVCo Book C-2 and be configured to support On-DeviceCardholder Verification, effective 1 July 2015 for new M-TIPprojects and 1 July 2017 for all contactless terminals.

New Standards for Migration toMasterCard Contactless ReaderSpecification Version 3.0, MiddleEast/Africa Region OperationsBulletin No. 1, 22 January 2015

Canada Region:



MCL version 3.0 support at contactless-enabled POS Terminals inCanada is now aligned with the global dates; the device typeindicator must be supported by newly deployed POS Terminals asof 1 January 2016.

Revised Effective Date forSupport of the Device TypeIndicator and MasterCard ReaderSpecification Version 3.0,Canada Region Operations AlertNo. 2, 6 February 2015

Appendix DCardholder-Activated Terminal Requirements

Dual Capability for CAT 1 and CAT 2

CAT Level 1: Automated Dispensing Machines (CAT 1)

CAT Level 3: Limited Amount Terminals (CAT 3)

Revised to include On-Device Cardholder Verification.


Appendix FBest Practices




Digital Goods Purchases

Added best practices for digital goods purchase controls.


Definitions

Digital Goods

Added defined term Digital Goods.


Added or revised the following defined terms:

Contactless Transaction

Dual Interface

EMV Mode Contactless Transaction

Magnetic Stripe Mode Contactless Transaction

Revised to include On-Device Cardholder Verification.




Contents

Notices...............................................................................................................................2

Applicability of Rules in this Manual.................................................................3

Summary of Changes, 9 June 2015.....................................................................5

Chapter 1: Connecting to the Interchange System andAuthorization Routing............................................................................................ 20

Connecting to the Interchange System.............................................................................22Acquirer Host System RequirementsU.S. Region Only....................................................22Authorization RoutingMasterCard POS Transactions..................................................... 22Authorization RoutingMaestro POS, ATM Terminal, and PIN-based In-BranchTerminal Transactions....................................................................................................... 23

Routing Instructions and System Maintenance............................................................. 23Chip Transaction Routing.............................................................................................23Domestic Transaction Routing......................................................................................24

ATM Terminal Connection to the Interchange System....................................................... 24Gateway Processing......................................................................................................... 24POS Terminal Connection to the Interchange System........................................................25Variations and Additions by Region.................................................................................. 25Asia/Pacific Region........................................................................................................... 25

ATM Terminal Connection to the Interchange System.................................................. 25POS Terminal Connection to the Interchange System................................................... 25

Canada Region................................................................................................................ 25Authorization RoutingMaestro POS, ATM Terminal, and PIN-based In-BranchTerminal Transactions...................................................................................................26ATM Terminal Connection to the Interchange System.................................................. 26

Europe Region................................................................................................................. 26Authorization RoutingMaestro POS, ATM Terminal, and PIN-based In-BranchTerminal Transactions...................................................................................................26

Latin America and the Caribbean Region..........................................................................27ATM Terminal Connection to the Interchange System.................................................. 27POS Terminal Connection to the Interchange System................................................... 27

United States Region........................................................................................................27Connecting to the Interchange System........................................................................ 27Acquirer Host System Requirements.............................................................................27Authorization RoutingMaestro POS, ATM Terminal, and PIN-based In-BranchTerminal Transactions...................................................................................................28

Contents


ATM Terminal Connection to the Interchange System.................................................. 29Additional U.S. Region and U.S. Territory Rules.................................................................29

Authorization RoutingMaestro POS, ATM Terminal, and PIN-based In-BranchTerminal Transactions...................................................................................................29

Chapter 2: Authorization and Clearing Requirements........................... 30Acquirer Authorization Requirements............................................................................... 33Issuer Authorization Requirements................................................................................... 33

Stand-In Processing Service..........................................................................................34ATM Transaction Requirements for MasterCard Credit Card Issuers..............................35

Authorization Responses.................................................................................................. 36Performance Standards.................................................................................................... 36

Performance StandardsAcquirers..............................................................................37Performance StandardsIssuers.................................................................................. 37

Preauthorizations............................................................................................................. 38PreauthorizationsMasterCard POS Transactions........................................................ 38PreauthorizationsMaestro POS Transactions..............................................................38PreauthorizationsATM and Manual Cash Disbursement Transactions........................ 39

Undefined Authorizations................................................................................................ 39Final Authorizations......................................................................................................... 40Message Reason Code 4808 Chargeback Protection Period..............................................40Multiple Authorizations....................................................................................................41Multiple Clearing Messages..............................................................................................42Full and Partial Reversals...................................................................................................43Reversal for Conversion of Approval to Decline.................................................................44Reversal to Cancel Transaction..........................................................................................44Full and Partial Approvals and Account Balance Responses............................................... 45Corrections...................................................................................................................... 46Balance Inquiries.............................................................................................................. 46CVC 2 Verification for POS Transactions........................................................................... 47CVC 3 Verification for Maestro Contactless Magnetic Stripe TransactionsBrazil Only..... 47Euro ConversionEurope Region Only.............................................................................47Transaction Queries and Disputes..................................................................................... 47Chargebacks for Reissued Cards.......................................................................................47Correction of Errors..........................................................................................................48Variations and Additions by Region.................................................................................. 48Asia/Pacific Region........................................................................................................... 48

Acquirer Authorization Requirements.......................................................................... 48Issuer Authorization Requirements...............................................................................48Preauthorizations.........................................................................................................48

Canada Region................................................................................................................ 48Full and Partial Approvals and Account Balance Responses...........................................49

Contents


Europe Region................................................................................................................. 51Acquirer Authorization Requirements.......................................................................... 51Issuer Authorization Requirements...............................................................................51Performance Standards................................................................................................51Preauthorizations.........................................................................................................52Final Authorizations.....................................................................................................53Message Reason Code 4808 Chargeback Protection Period......................................... 53Multiple Authorizations............................................................................................... 54Full and Partial Reversals.............................................................................................. 54Full and Partial Approvals and Account Balance Responses...........................................55Balance Inquiries..........................................................................................................57CVC 2 Verification for POS Transactions.......................................................................57Euro Conversion.......................................................................................................... 58

Latin America and the Caribbean Region..........................................................................58CVC 3 Verification for Maestro Contactless Magnetic Stripe TransactionsBrazilOnly............................................................................................................................ 58

United States Region........................................................................................................58Acquirer Authorization Requirements.......................................................................... 58Issuer Authorization Requirements...............................................................................58Performance Standards................................................................................................60Preauthorizations.........................................................................................................61Full and Partial Reversals.............................................................................................. 61Full and Partial Approvals and Account Balance Responses...........................................63Balance Inquiries..........................................................................................................64

Chapter 3: Acceptance Procedures....................................................................65Merchant Acceptance Procedures.....................................................................................67

Cardholder Must Present a Card.................................................................................. 67Obtaining an Authorization for a MasterCard POS Transaction.....................................69MasterCard Cardholder Verification Requirements....................................................... 74Obtaining an Authorization for a Maestro POS Transaction.......................................... 75Maestro Cardholder Verification Requirements............................................................ 76

MasterCard Manual Cash Disbursement Acceptance Procedures...................................... 76ATM Terminal and PIN-based In-Branch Terminal Transactions...........................................77POI Currency Conversion..................................................................................................77Multiple TransactionsMasterCard POS Transactions Only............................................... 79Partial PaymentMasterCard POS Transactions Only........................................................79Specific Terms of a Transaction......................................................................................... 80Charges for Loss, Theft, or DamageMasterCard POS Transactions Only......................... 80Providing a Transaction Receipt........................................................................................ 81

POS Transaction Receipt Requirements.........................................................................82ATM and PIN-based In-Branch Terminal Transaction Receipt Requirements................... 83

Contents


Primary Account Number (PAN) Truncation and Expiration Date Omission.................... 84Returned Products and Canceled Services.........................................................................84

Refund Transactions.....................................................................................................85Transaction Records..........................................................................................................85Variations and Additions by Region.................................................................................. 86Asia/Pacific Region........................................................................................................... 86

Merchant Acceptance Procedures................................................................................ 86Canada Region................................................................................................................ 87

Providing a Transaction Receipt....................................................................................87Europe Region................................................................................................................. 87

Merchant Acceptance Procedures................................................................................ 87Providing a Transaction Receipt....................................................................................88Returned Products and Canceled Services.................................................................... 88

Latin America and the Caribbean Region..........................................................................89Merchant Acceptance Procedures................................................................................ 89

United States Region........................................................................................................89Merchant Acceptance Procedures................................................................................ 89

Additional U.S. Region and U.S. Territory Rules.................................................................90Returned Products and Canceled Services.................................................................... 90

Chapter 4: Card-Present Transactions..............................................................91Chip Transactions at Hybrid POS Terminals........................................................................94Offline Transactions Performed on Board Planes, Trains, and Ships....................................94No-CVM Magnetic Stripe and Contact Chip Maestro POS TransactionsEurope RegionOnly.................................................................................................................................95Contactless Transactions at POS Terminals........................................................................ 95

Contactless EMV Mode Transaction Offline Authorization Limit Amounts.................... 96Contactless Transit Aggregated Transactions.....................................................................98

MasterCard Contactless Transit Aggregated Transactions............................................. 98Maestro Contactless Transit Aggregated Transactions.................................................. 98

Contactless Transactions at ATM Terminals....................................................................... 99Contactless-only Acceptance............................................................................................99Quick Payment Service (QPS) ProgramMasterCard POS Transactions Only....................101Purchase with Cash Back Transactions............................................................................ 101Transactions at Unattended POS Terminals......................................................................102Automated Fuel Dispenser Transactions..........................................................................102PIN-based Debit TransactionsUnited States Region Only.............................................. 103PIN-less Single Message TransactionsUnited States Region Only.................................. 103Merchant-approved Maestro POS Transactions............................................................... 103MasterCard Manual Cash Disbursement Transactions..................................................... 104

Non-discrimination Regarding Cash Disbursement Services........................................ 104Maximum Cash Disbursement Amounts.................................................................... 104

Contents


Discount or Service Charges...................................................................................... 105MasterCard Acceptance Mark Must Be Displayed...................................................... 105

Encashment of MasterCard Travelers Cheques................................................................105ATM Transactions........................................................................................................... 105

Chained Transactions.............................................................................................106ATM Transaction Branding......................................................................................... 106

ATM Access Fees............................................................................................................106ATM Access FeesDomestic Transactions..................................................................106ATM Access FeesCross-border Transactions............................................................ 106ATM Access Fee Requirements...................................................................................106

Merchandise Transactions at ATM Terminals................................................................... 109Approved Merchandise Categories............................................................................ 109Screen Display Requirement for Merchandise Categories........................................... 110

Shared DepositsUnited States Region Only..................................................................110Variations and Additions by Region................................................................................ 110Asia/Pacific Region......................................................................................................... 110

Automated Fuel Dispenser Transactions..................................................................... 110ATM Access Fees....................................................................................................... 111

Canada Region.............................................................................................................. 111Purchase with Cash Back Transactions....................................................................... 111Automated Fuel Dispenser Transactions..................................................................... 112ATM Access Fees....................................................................................................... 112

Europe Region............................................................................................................... 112No-CVM Magnetic Stripe and Contact Chip Maestro POS Transactions...................... 112Contactless Transactions at POS Terminals..................................................................113Contactless Transit Aggregated Transactions.............................................................. 114Purchase with Cash Back Transactions....................................................................... 115Automated Fuel Dispenser Transactions..................................................................... 116Merchant-approved Maestro POS Transactions...........................................................116MasterCard Manual Cash Disbursement Transactions................................................ 117ATM Access Fees....................................................................................................... 117Merchandise Transactions at ATM Terminals...............................................................117

Latin America and the Caribbean Region........................................................................118Contactless Transactions at POS Terminals..................................................................118Contactless Transit Aggregated Transactions.............................................................. 118ATM Access Fees....................................................................................................... 118

Middle East/Africa Region.............................................................................................. 119Purchase with Cash Back Transactions....................................................................... 119

United States Region......................................................................................................119Chip Transactions at Hybrid POS Terminals................................................................. 119Purchase with Cash Back Transactions....................................................................... 120Automated Fuel Dispenser Transactions..................................................................... 120PIN-based Debit Transactions..................................................................................... 120

Contents


PIN-less Single Message Transactions......................................................................... 120MasterCard Manual Cash Disbursement Transactions................................................ 121ATM Access Fees....................................................................................................... 121Merchandise Transactions at ATM Terminals...............................................................121Shared Deposits.........................................................................................................122

Chapter 5: Card-Not-Present Transactions.................................................. 125Electronic Commerce Transactions..................................................................................127

E-commerce TransactionsAcquirer and Merchant Requirements..............................127E-commerce TransactionsIssuer Requirements.........................................................128Use of Static AAV for Card-not-present Transactions..................................................129

Mail Order and Telephone Order (MO/TO) Transactions...................................................129Recurring Payment Transactions..................................................................................... 130Transit Transactions Performed for Debt Recovery...........................................................131Use of Automatic Billing Updater................................................................................... 131Variations and Additions by Region................................................................................ 131Asia/Pacific Region......................................................................................................... 132

E-commerce Transactions...........................................................................................132Mail Order and Telephone Order (MO/TO) Transactions..............................................132

Canada Region.............................................................................................................. 133Use of Automatic Billing Updater...............................................................................134

Europe Region............................................................................................................... 134E-commerce Transactions...........................................................................................134Mail Order and Telephone Order (MO/TO) Maestro Transactions................................ 135Recurring Payment Transactions.................................................................................137Use of Automatic Billing Updater...............................................................................138

Latin America and the Caribbean Region........................................................................138E-commerce Transactions...........................................................................................138

United States Region......................................................................................................139E-commerce Transactions...........................................................................................139

Chapter 6: Payment Transactions and MoneySend PaymentTransactions................................................................................................................140

Payment Transactions.....................................................................................................141Payment TransactionsAcquirer and Merchant Requirements................................... 141Payment TransactionsIssuer Requirements.............................................................. 142

Gaming Payment TransactionsEurope Region Only......................................................142MoneySend Payment Transactions..................................................................................143Variations and Additions by Region................................................................................ 143Europe Region............................................................................................................... 143

Payment Transactions................................................................................................ 143

Contents


Gaming Payment Transactions................................................................................... 144

Chapter 7: Terminal Requirements..................................................................146Terminal Eligibility...........................................................................................................148Terminal Requirements................................................................................................... 148

Terminal Function Keys.............................................................................................. 149Terminal Responses....................................................................................................149Terminal Transaction Log............................................................................................149

Contactless Payment Functionality..................................................................................150Contactless Reader Requirements.............................................................................. 151Proximity Coupling Device Requirements................................................................... 151

POS Terminal Requirements............................................................................................151Contactlessenabled POS Terminals........................................................................... 152Contactless-only POS Terminals..................................................................................153Mobile POS (MPOS) Terminals....................................................................................154Signature-based Maestro POS Terminals.....................................................................154

Contactless-only Acceptance..........................................................................................155ATM Terminal and PIN-based In-Branch Terminal Requirements.......................................156

ATM Terminals...........................................................................................................157PIN-based In-Branch Terminals................................................................................... 157Contactless Payment Functionality............................................................................. 157

Hybrid Terminal Requirements........................................................................................ 157Hybrid POS Terminal Requirements.................................................................................158

Hybrid POS Terminal and Chip-only MPOS Terminal Displays...................................... 159Hybrid ATM Terminal and PIN-based In-Branch Terminal Requirements............................159Variations and Additions by Region................................................................................ 160Asia/Pacific Region......................................................................................................... 160

ATM Terminal and PIN-based In-Branch Terminal Requirements.................................. 160Hybrid Terminal Requirements....................................................................................161Hybrid Terminal Requirements....................................................................................161

Canada Region.............................................................................................................. 161POS Terminal Requirements....................................................................................... 161ATM Terminal and PIN-based In-Branch Terminal Requirements.................................. 161

Europe Region............................................................................................................... 162Contactless Payment Functionality............................................................................. 162POS Terminal Requirements....................................................................................... 162ATM Terminal and PIN-based In-Branch Terminal Requirements.................................. 165Hybrid Terminal Requirements....................................................................................166Hybrid POS Terminal Requirements............................................................................ 166Hybrid ATM Terminal and PIN-based In-Branch Terminal Requirements....................... 167

Latin America and the Caribbean Region........................................................................167POS Transaction Requirements...................................................................................167

Contents


Contactlessenabled POS Terminals........................................................................... 167Hybrid Terminal Requirements....................................................................................167

Middle East/Africa Region.............................................................................................. 168Contactless Payment Functionality............................................................................. 168Hybrid POS Terminal Requirements............................................................................ 168

United States Region......................................................................................................168POS Terminal Requirements....................................................................................... 168ATM Terminal and PIN-based In-Branch Terminal Requirements.................................. 169

Appendix A: Geographic Regions................................................................... 170Asia/Pacific Region......................................................................................................... 171Canada Region.............................................................................................................. 172Europe Region............................................................................................................... 172

Single European Payments Area (SEPA)...................................................................... 173Latin America and the Caribbean Region........................................................................174Middle East/Africa Region.............................................................................................. 174United States Region......................................................................................................175

Appendix B: Compliance Zones........................................................................ 176Compliance Zones..........................................................................................................177

Appendix C: Transaction Identification Requirements......................... 182Transaction Date............................................................................................................ 183Contactless Transactions.................................................................................................183

Contactless Transit Aggregated Transactions.............................................................. 185Contactless-only Transactions.................................................................................... 187

Quick Payment Service Transactions................................................................................189Payment Transactions.....................................................................................................191Electronic Commerce Transactions..................................................................................192Digital Secure Remote Payment Transactions.................................................................. 193

Digital Secure Remote Payment Transactions Containing Chip Data........................... 193Digital Secure Remote Payment Transactions Containing UCAF Data..........................195Partial Shipments Following Digital Secure Remote Payment Transactions.................. 198

MasterCard Mobile Remote Payment Transactions..........................................................200

Appendix D: Cardholder-Activated Terminal (CAT) Transactions.....201CAT Transactions............................................................................................................202CAT Level Requirements.................................................................................................203

Dual Capability for CAT 1 and CAT 2......................................................................... 203CAT Level 1: Automated Dispensing Machines (CAT 1).............................................. 203

Contents


CAT Level 2: Self-Service Terminal (CAT 2)..................................................................204CAT Level 3: Limited Amount Terminals (CAT 3).........................................................205CAT Level 4: In-Flight Commerce (IFC) Terminals (CAT 4)............................................206CAT Level 6: Electronic Commerce Transactions (CAT 6).............................................209CAT Level 7: Transponder Transactions (CAT 7).......................................................... 209CAT Level 9: Mobile POS (MPOS) Acceptance Device Transactions (CAT 9)................. 209

Appendix E: Signage, Screen, and Receipt Text Display...................... 210Screen and Receipt Text Standards..................................................................................212Models for ATM Access Fee Notification at ATM Terminals..............................................212Models for Standard Signage Notification of an ATM Access Fee.................................... 213

Asia/Pacific Region.....................................................................................................213Canada Region..........................................................................................................214Europe Region...........................................................................................................214Latin America and the Caribbean Region................................................................... 216Middle East/Africa Region..........................................................................................217United States Region................................................................................................. 218

Models for Generic Terminal Signage Notification of an ATM Access Fee........................ 218Asia/Pacific Region.....................................................................................................218Canada Region..........................................................................................................220Europe Region...........................................................................................................220Latin America and the Caribbean Region................................................................... 222Middle East/Africa Region..........................................................................................223United States Region................................................................................................. 224

Models for Screen Display Notification of an ATM Access Fee......................................... 224Asia/Pacific Region.....................................................................................................224Canada Region..........................................................................................................226Europe Region...........................................................................................................226Latin America and the Caribbean Region................................................................... 228Middle East/Africa Region..........................................................................................229United States Region................................................................................................. 230

Model for an ATM Access Fee Transaction Receipt..........................................................231Model Screens Offering POI Currency Conversion...........................................................231Model Receipt for Withdrawal Completed with POI Currency Conversion.......................232

Appendix F: Best Practices.................................................................................. 233Digital Goods Purchases................................................................................................. 233

Appendix G: Definitions.......................................................................................235

Contents


Chapter 1 Connecting to the Interchange System andAuthorization RoutingThe following Standards apply with regard to connecting to the Interchange System andAuthorization routing. Where applicable, modifications by region and/or country are provided atthe end of this chapter in the section titled, Variations and Additions by Region.

Connecting to the Interchange System..........................................................................................22Acquirer Host System RequirementsU.S. Region Only.................................................................22Authorization RoutingMasterCard POS Transactions.................................................................. 22Authorization RoutingMaestro POS, ATM Terminal, and PIN-based In-Branch TerminalTransactions..................................................................................................................................23

Routing Instructions and System Maintenance..........................................................................23Chip Transaction Routing..........................................................................................................23Domestic Transaction Routing...................................................................................................24

ATM Terminal Connection to the Interchange System....................................................................24Gateway Processing...................................................................................................................... 24POS Terminal Connection to the Interchange System.....................................................................25Variations and Additions by Region............................................................................................... 25Asia/Pacific Region........................................................................................................................ 25

ATM Terminal Connection to the Interchange System............................................................... 25POS Terminal Connection to the Interchange System................................................................ 25

Canada Region............................................................................................................................. 25Authorization RoutingMaestro POS, ATM Terminal, and PIN-based In-Branch TerminalTransactions............................................................................................................................. 26

Domestic Transaction Routing..............................................................................................26ATM Terminal Connection to the Interchange System............................................................... 26

Europe Region.............................................................................................................................. 26Authorization RoutingMaestro POS, ATM Terminal, and PIN-based In-Branch TerminalTransactions............................................................................................................................. 26

Chip Transaction RoutingSEPA only.................................................................................. 26ATM Terminal Connection to the Interchange SystemSEPA Only....................................... 26

Latin America and the Caribbean Region...................................................................................... 27ATM Terminal Connection to the Interchange System............................................................... 27POS Terminal Connection to the Interchange System................................................................ 27

United States Region.....................................................................................................................27Connecting to the Interchange System..................................................................................... 27Acquirer Host System Requirements......................................................................................... 27

Connecting to the Interchange System and Authorization Routing


Authorization RoutingMaestro POS, ATM Terminal, and PIN-based In-Branch TerminalTransactions............................................................................................................................. 28

Routing Instructions and System Maintenance..................................................................... 28Domestic Transaction Routing..............................................................................................28

ATM Terminal Connection to the Interchange System............................................................... 29Additional U.S. Region and U.S. Territory Rules..............................................................................29

Authorization RoutingMaestro POS, ATM Terminal, and PIN-based In-Branch TerminalTransactions............................................................................................................................. 29

Connecting to the Interchange System and Authorization Routing


Connecting to the Interchange System

A Customer must maintain the necessary equipment and procedures to process Transactionsand to connect to the Interchange System, using a telecommunications circuit established bythe Interchange System that is equipped with back-up service. Before processing Transactionsand on an ongoing basis thereafter, the Customer must perform testing and obtain anynecessary certifications of its equipment, procedures, and Interchange System connections asmay be required by the Corporation to ensure compatibility with its technical specificationsthen in effect.

Each Principal and Association must establish and maintain, at its own expense, a dataprocessing facility that is capable of receiving, storing, processing, and communicating anyTransaction sent to or received from the Interchange System, and may connect at least onedata processing facility directly to the Interchange System. Such facility may be establishedand maintained by the Customers parent, its wholly-owned subsidiary, or an entity that iswholly owned, directly or indirectly, by the Customers parent, or with the prior writtenagreement of the Corporation, by the Customers designated third party agent.

NOTE: An addition to this Rule appears in the United States Region section at the end ofthis chapter.

Acquirer Host System RequirementsU.S. Region Only

NOTE: A Rule on this subject appears in the United States Region section at the end of thischapter.

Authorization RoutingMasterCard POS Transactions

On an ongoing basis, an Acquirer of MasterCard POS Transactions must recognize all activeMasterCard bank identification numbers (BINs) for purposes of obtaining Transactionauthorizations, and obtain such authorizations on behalf of each of its Merchants as theStandards require. If the Acquirer uses Account range files provided by the Corporation forthis purpose, such files must be loaded and functioning on the Acquirers host system andavailable to its Merchants for use within six calendar days from the date that each updated fileis distributed. Upon receipt of an updated Account range file from the Corporation, anAcquirer must confirm via an acknowledgement file that it updated its host systemsaccordingly. Alternatively, the Acquirer may submit all authorization requests containing anAccount number with a BIN in the 510000 to 559999 range to the Interchange System forrouting to the Issuer.

Connecting to the Interchange System and Authorization RoutingConnecting to the Interchange System


Authorization RoutingMaestro POS, ATM Terminal, and PIN-based In-Branch Terminal Transactions

An Acquirer of Maestro POS Transactions, ATM Transactions, and/or Manual CashDisbursement Transactions occurring at PIN-based In-Branch Terminals may default route tothe Interchange System any such Transaction not belonging to its proprietary network. TheInterchange System determines whether or not the Transaction is being performed by aCardholder.

An Acquirer that does not default route such Transactions to the Interchange System mustrecognize all active Account ranges that are included in the Corporations Financial InstitutionTable (FIT) or Member Parameter Extract (MPE) files and must follow the Issuers routinginstructions, if any, set forth in those files. The Acquirer must ensure that the files are loadedand functioning on its host systems and available to its Merchants, ATM Terminals, and PIN-based In-Branch Terminals for use within six calendar days from the date that each updatedfile is distributed. Upon receipt of an updated file, the Acquirer must confirm to theCorporation via an acknowledgement file that it has updated its host systems accordingly.

NOTE: Modifications to this Rule appear in the Additional U.S. Region and U.S. Territoriessection at the end of this chapter.

Routing Instructions and System Maintenance

Each Customer or its Sponsor must:

1. Submit to the Corporation completed institution routing table (IRT) and institutiondefinition file (IDF) input documents no later than five business days prior to the requestedeffective date of live processing via the Interchange System.

2. Notify the Corporation of any routing updates at least five business days before theeffective date of the change. Expedited maintenance may be performed within twobusiness 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 thischapter.

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 asotherwise approved by the Corporation.

NOTE: A variation to this Rule pertaining to SEPA appears in the Europe Region section atthe end of this chapter.

Connecting to the Interchange System and Authorization RoutingAuthorization RoutingMaestro POS, ATM Terminal, and PIN-based In-Branch Terminal Transactions


Domestic Transaction Routing

When a Card is used at an ATM Terminal or PIN-based In-Branch Terminal in the country inwhich such Card was issued and the only common brand appearing on both the Card and theATM Terminal or PIN-based In-Branch Terminal is a Mark, the resulting Transaction:

1. Must be routed to the Interchange System; or2. The Issuer of the Card must report and pay a Brand Fee for such Transaction.

This provision does not apply with respect to a Transaction for which the Issuer and Acquirer isthe same Customer (an on-us Transaction).

NOTE: Variations to this Rule appear in the Canada Region and United States Regionsections at the end of this chapter.

ATM Terminal Connection to the Interchange System

Except as otherwise provided in the Standards, each Customer that acquires any ATMtransactions must at all times make available for connection to the Interchange System, and inparticular, the MasterCard ATM Network, all of the eligible ATM Terminals established by thatCustomer (including its parents, subsidiaries, affiliates, and Sponsored entities) in the countryin which the Customer is located and in every other country in which it has been Licensed toconduct ATM Transaction acquiring Activity.

A Customer Licensed only to conduct ATM Transaction acquiring Activity must make at least75 percent of the ATM Terminals it establishes available for connection to the InterchangeSystem.

NOTE: Modifications to this Rule appear in the Asia/Pacific Region, Canada Region,Europe Region, Latin America and the Caribbean Region, and United States Regionsections at the end of this chapter.

Gateway Processing

The Interchange System may be used for the routing of ATM transactions and settlement offunds pursuant to terms governing a card that does not bear the any of the CorporationsMarks if such card bears the mark of one of the following authorized Gateways:

1. PLUS System USA, Inc.2. VISA USA, Inc.

The Interchange System technical specifications applicable to ATM Transactions apply toGateway Processing. Error and dispute resolution is supported within Gateway Processing tothe extent provided in the Standards that govern the individual Transaction. When a GatewayCustomer uses the MasterCard ATM Network for Gateway Processing, error and disputeresolution requests must be processed in accordance with the Chargeback Guide.

Connecting to the Interchange System and Authorization RoutingATM Terminal Connection to the Interchange System


The Principal that submits an ATM transaction to the MasterCard ATM Network for GatewayProcessing is deemed to have consented to comply with all applicable Standards and to pay allapplicable fees in connection with such transaction.

POS Terminal Connection to the Interchange System

NOTE: Rules on this subject appear in the Asia/Pacific Region and Latin America and theCaribbean 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 particularRegion country or countries. Refer to Appendix A for the Asia/Pacific Region geographiclisting.

ATM Terminal Connection to the Interchange SystemIn 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 theInterchange System at least 75 percent of its eligible ATM Terminals in the Region within oneyear of the approval of its application for a License.


In the Asia/Pacific Region, a Customer that acquires POS Transactions must make available forconnection to the Interchange System at least 75 percent of its eligible POS Terminals in theRegion within one year of the approval of its application for a License.

Canada Region

The following modifications to the Rules apply in the Canada Region. Refer to Appendix A forthe Canada Region geographic listing.

Connecting to the Interchange System and Authorization RoutingPOS Terminal Connection to the Interchange System


Authorization RoutingMaestro POS, ATM Terminal, and PIN-based In-BranchTerminal Transactions

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 PIN-based In-BranchTerminal located in the Canada Region and the only common brand appearing on both theCard and ATM Terminal or PIN-based In-Branch Terminal is a Mark:

1. The resulting Transaction must be routed to the Interchange System; or2. The Issuer receiving such Transaction must report and pay a Brand Fee for such

Transaction.

This provision does not apply with respect to a Transaction for which the Issuer and Acquirer isthe 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 PartyProcessor), or

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

ATM Terminal Connection to the Interchange SystemIn the Canada Region, the Rule on this subject is modified as follows.

A Customer that acquires ATM Transactions must make available for connection to theInterchange 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 inwhich at least 10,000 of its debit Cardholders reside. The Census Metropolitan Area (CMA) asdefined 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 Regioncountry or countries. Refer to Appendix A for the Europe Region and Single EuropeanPayments Area (SEPA) geographic listing.


Chip Transaction RoutingSEPA only

The Rule on this subject does not apply to Intra-SEPA Transactions.

ATM Terminal Connection to the Interchange SystemSEPA OnlyWithin 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 ATMTerminals owned or established by that Customer (including its parents, subsidiaries, affiliates,

Connecting to the Interchange System and Authorization RoutingEurope Region


and Sponsored entities) within SEPA if it accepts cards issued under other acceptance brandsat those ATM Terminals.

Latin America and the Caribbean Region

The following modifications to the Rules apply in the Latin America and the CaribbeanRegion. Refer to Appendix A for the Latin America and the Caribbean Region geographiclisting.

ATM Terminal Connection to the Interchange SystemIn 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 theInterchange System at least 75 percent of its eligible ATM Terminals in the Region within oneyear of the approval of its application for a License.


In the Latin America and the Caribbean Region, a Customer that acquires POS Transactionsmust make available for connection to the Interchange System at least 75 percent of itseligible POS Terminals in the Region within one year of the approval of its application for aLicense.

United States Region

The following modifications to the Rules apply in the United States (U.S.) Region. Refer toAppendix A for the U.S. Region geographic listing.

Connecting to the Interchange SystemIn the U.S. Region, the Rule on this subject is modified as follows.

Connection to the Interchange System for Maestro POS Transaction and ATM Transactionprocessing is limited to Principals or their Designees. As used herein, Designee means anentity authorized by the Corporation to connect to the Interchange System.

Acquirer Host System Requirements

An Acquirer in the U.S. Region must ensure that its POS Terminal host systems and those of itsService Providers:

1. Are capable of processing Contact Chip Transactions and Contactless Transactions(including both EMV Mode Contactless Transactions and Magnetic Stripe ModeContactless Transactions;

2. Support the transmission of Contact Chip Transaction and Contactless Transactionmessages in accordance with the Standards;

Connecting to the Interchange System and Authorization RoutingLatin America and the Caribbean Region


3. Support PIN (both online and offline), signature, and no Cardholder verification method(CVM) as CVM options for Chip Transactions, regardless of whether each Hybrid POSTerminal 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 Systemnetwork interface, as enabled for Contact Chip Transaction and Contactless Transactionprocessing.


Routing Instructions and System MaintenanceIn 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 withwritten notification of downtime at least 48 hours before any regularly scheduledmaintenance event and within five business days following the occurrence of an emergencymaintenance event. Written notification must include the date of the maintenance; the timesat which the maintenance commences and concludes; a brief description of the reason for themaintenance; and for an emergency event, a description of the actions taken to prevent areoccurrence of the event.

Scheduled Maintenance Emergency Maintenance

Permissible MaintenanceTime 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

Domestic Transaction RoutingIn 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 theUnited 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 Cardand the ATM Terminal, the resulting Transaction must be routed to:

1. The interchange system specified by the Issuer; or

Connecting to the Interchange System and Authorization RoutingUnited States Region


2. The Corporations Interchange System, if the Issuer has not specified to the Corporation adifferent interchange system for Transaction routing.

ATM Terminal Connection to the Interchange SystemIn the U.S. Region, the Rule on this subject is modified as follows.

A Customer that acquires ATM Transactions must make available for connection to theInterchange 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 areain 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 AmericanSamoa, Guam, Northern Mariana Islands, Puerto Rico, and the U.S. Virgin Islands (herein, theU.S. Territories).

These Rules apply in addition to any that apply within the Asia/Pacific Region, with respect toCustomers located in American Samoa, Guam, and Northern Mariana Islands; the LatinAmerica and the Caribbean Region, with respect to Customers located in Puerto Rico and theU.S. Virgin Islands; and the United States Region, with respect to U.S. Region Customers.


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 ofrouting POS transactions initiated with a debit card enhanced with Maestro functionality tothe Corporations 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 (position54) and MS POS (position 55) in the 80-byte Financial Institution Table (FIT) file. These fieldsapply only when the Maestro Flag (position 42 in the FIT file) is Y. When the Maestro Flag isN, the Maestro routing indicator fields should be disregarded.

Connecting to the Interchange System and Authorization RoutingAdditional U.S. Region and U.S. Territory Rules


Chapter 2 Authorization and Clearing RequirementsThe 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 inthe section titled, Variations and Additions by Region.

Acquirer Authorization Requirements............................................................................................33Issuer Authorization Requirements................................................................................................ 33

Stand-In Processing Service.......................................................................................................34Accumulative Transaction Limits...........................................................................................35Chip Cryptogram Validation in Stand-In............................................................................... 35

ATM Transaction Requirements for MasterCard Credit Card Issuers...........................................35Authorization Responses...............................................................................................................36Performance Standards................................................................................................................. 36

Performance StandardsAcquirers...........................................................................................37Performance StandardsIssuers...............................................................................................37

Issuer Failure Rate (Substandard Level 1).............................................................................. 37Issuer Failure Rate (Substandard Level 2).............................................................................. 37Calculation of the Issuer Failure Rate....................................................................................37

Preauthorizations.......................................................................................................................... 38PreauthorizationsMasterCard POS Transactions..................................................................... 38PreauthorizationsMaestro POS Transactions.......................................................................... 38PreauthorizationsATM and Manual Cash Disbursement Transactions..................................... 39

Undefined Authorizations............................................................................................................. 39Final Authorizations...................................................................................................................... 40Message Reason Code 4808 Chargeback Protection Period.......................................................... 40Multiple Authorizations.................................................................................................................41Multiple Clearing Messages.......................................................................................................... 42Full and Partial Reversals............................................................................................................... 43Reversal for Conversion of Approval to Decline............................................................................. 44Reversal to Cancel Transaction...................................................................................................... 44Full and Partial Approvals and Account Balance Responses............................................................45Corrections................................................................................................................................... 46Balance Inquiries........................................................................................................................... 46CVC 2 Verification for POS Transactions........................................................................................ 47CVC 3 Verification for Maestro Contactless Magnetic Stripe TransactionsBrazil Only.................. 47Euro ConversionEurope Region Only..........................................................................................47Transaction Queries and Disputes..................................................................................................47

Authorization and Clearing Requirements


Chargebacks for Reissued Cards................................................................................................... 47Correction of Errors...................................................................................................................... 48Variations and Additions by Region............................................................................................... 48Asia/Pacific Region........................................................................................................................ 48

Acquirer Authorization Requirements....................................................................................... 48Issuer Authorization Requirements........................................................................................... 48Preauthorizations..................................................................................................................... 48

PreauthorizationsMaestro POS Transactions......................................................................48Canada Region............................................................................................................................. 48

Full and Partial Approvals and Account Balance Responses....................................................... 49Europe Region.....................................................................................................................

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