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Mastercard Rules MasterCard Rules 15 May 2014 Notices Following are policies pertaining to proprietary rights, trademarks, translations, and details about the availability of additional information online. Proprietary Rights The information contained in this document is proprietary and confidential to MasterCard International Incorporated, 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 written permission of MasterCard. Trademarks Trademark notices and symbols used in this document reflect the registration status of MasterCard trademarks in the United States. Please consult with the Customer Operations Services team or the MasterCard Law Department for the registration status of particular product, program, or service names outside the United States. All third-party product and service names are trademarks or registered trademarks of their respective owners. Disclaimer MasterCard makes no representations or warranties of any kind, express or implied, with respect to the contents of this document. Without limitation, MasterCard specifically disclaims all representations and warranties with respect to this document and any intellectual property rights subsisting therein or any part thereof, including but not limited to any and all implied warranties of title, non-infringement, or suitability for any purpose (whether or not MasterCard has been advised, has reason to know, or is otherwise in fact aware of any information) or achievement of any particular result. Without limitation, MasterCard specifically disclaims all representations and warranties that any practice or implementation of this document will not infringe any third party patents, copyrights, trade secrets or other rights. Translation A translation of any MasterCard manual, bulletin, release, or other MasterCard document into a language other than English is intended solely as a convenience to MasterCard customers. MasterCard provides any translated document to its customers “AS IS” and makes no representations or warranties of any kind with respect to the translated document, including, but not limited to, its accuracy or reliability. In no event shall MasterCard be liable for any damages resulting from reliance on any translated document. The English version of any MasterCard document will take precedence over any translated version in any legal proceeding. Information Available Online MasterCard provides details about the standards used for this document—including times expressed, language use, and contact information—on the Publications Support page available on MasterCard Connect™. Go to Publications Support for centralized information. ©1969–2014 MasterCard. Proprietary. All rights reserved. BM 15 May 2014 • MasterCard Rules Summary of Changes, 15 May 2014 This document reflects changes associated with recent updates to the Rules. To locate these changes online, click the links in the following table. Description of Change Where to Look 5.4.2 High-Risk Payment Facilitators Chapter 5 Rule modified effective 15 November 2013; see “Revised Standards for Registration of Non-face-to-face Adult Content Merchants,” Global Security Bulletin No. 11, 15 November 2013. 5.9 Use of the Marks Chapter 5 Rule modified to clarify its applicability to any use of a Mark in advertising (not just acceptance advertising), and that the return of materials displaying the Marks when use has ceased upon Merchant Agreement termination is no longer required. 6.2 Issuer Responsibilities to Cardholders Chapter 6 Rule modified regarding its effective date; see “Clarification of Effective Date for Revised Standards for Issuer Responsibilities to Cardholders,” Canada Region Operations Alert No. 2, 12 March 2014 and Latin America and the Caribbean Region Operations Bulletin No. 2, 12 March 2014. 6.6.1 Prior Consent of the Corporation Chapter 6 Rule modified effective 1 November 2013; see “Revised Standards for Youth Card Programs,” Global Operations Bulletin No. 11, 1 November 2013. 6.13 Youth Card Programs, 6.13.1 Solicitation and Disclosure Requirements Chapter 6 New Rules effective 1 November 2013; see “Revised Standards for Youth Card Programs,” Global Operations Bulletin No. 11, 1 November 2013. 7.9 Registration Requirements for Type I TPPs Chapter 7 Rule modified to clarify that the AOC submitted by a Type I TPP must demonstrate compliance with the PCI Data Security Standard in accordance with the MasterCard Site Data Protection Program implementation schedule applicable to Level 1 Service Providers. 6.3 Limitation of Liability of Cardholders for Unauthorized Use Chapter 10 Rule modified effective 5 May 2014; see “Revised Standards for the Zero Liability Rule,” Canada Region Operations Alert No. 1, 30 January 2014. 5.1.2 Required Merchant Agreement Terms Chapter 14 Rule modified effective 11 June 2014; see “New Standards and Acquirer Best Practices Applicable to Information for Merchants,” U.S. Region Operations Bulletin No. 24, 12 December 2013. 5.3.3 Provide Information Chapter 14 Rule modified effective 11 June 2014; see “New Standards and Acquirer Best Practices Applicable to Information for Merchants,” U.S. Region Operations Bulletin No. 24, 12 December 2013. ©1969–2014 MasterCard. Proprietary. All rights reserved. MasterCard Rules • 15 May 2014 1 Description of Change Where to Look 5.4.1 Responsibility for Payment Facilitator and Sub-merchant Activity Chapter 14 Rule modified effective 11 June 2014; see “New Standards and Acquirer Best Practices Applicable to Information for Merchants,” U.S. Region Operations Bulletin No. 24, 12 December 2013. 5.5.2.1 Required Sub-merchant Agreement Terms Chapter 14 Rule modified effective 11 June 2014; see “New Standards and Acquirer Best Practices Applicable to Information for Merchants,” U.S. Region Operations Bulletin No. 24, 12 December 2013. 5.5.3 Obligations as Sponsor of Sub-merchants Chapter 14 Rule modified effective 11 June 2014; see “New Standards and Acquirer Best Practices Applicable to Information for Merchants,” U.S. Region Operations Bulletin No. 24, 12 December 2013. 5.11.1 Discrimination Chapter 14 Text from the U.S. Region chapter of the 9 August 2013 edition of the MasterCard Rules that had been inadvertently omitted from the 13 December 2013 edition has been reinstated. Europe Region Appendix A Single European Payments Area (SEPA) Macedonia is not within SEPA and has been removed from the list of SEPA countries; Hungary was mistakenly omitted and has been added. ©1969–2014 MasterCard. Proprietary. All rights reserved. 2 15 May 2014 • MasterCard Rules MasterCard Standards MasterCard is dedicated to making payments safe, simple and smart. We have a set of standards (“the Standards”) in support of this mission that provides our Customers with clear direction as to their responsibilities. The Standards include the information contained in this MasterCard Rules manual and other manuals, along with guides, bulletins and policies that may be updated from time to time. The Standards enable growth for MasterCard and for our Customers while ensuring integrity and reliability. They are developed under a set of principles that guide us in our actions and provide a framework under which we operate. MasterCard and its Customers: Uphold the value of the MasterCard brands as the choice of payment for consumers, businesses and merchants. Consumers, businesses and merchants have multiple payment options to use and to accept. MasterCard and its Customers operate so as to uphold the value of the MasterCard brands so that our products will be adopted and chosen by these end users. Act with financial integrity and in compliance with the Standards and the law. Operating programs in a manner that is financially sound, in compliance with the Standards and the law helps us manage risk to MasterCard and to our Customers. Engage in rigorous fraud management practices. Ensuring that transactions are conducted securely is of the utmost importance. MasterCard and its Customers leverage best-in-class technology and business practices in order to make transactions safe. Manage systems and programs to support interoperability. The ability to process transactions at a global and local level is a key feature of the MasterCard network. Customers manage their systems and programs to enable the seamless acceptance and processing of MasterCard transactions. ©1969–2014 MasterCard. Proprietary. All rights reserved. MasterCard Rules • 15 May 2014 1 Applicability of Rules in this Manual This manual contains Rules for the MasterCard, Maestro and Cirrus brands. The Rules relate to Activity conducted pursuant to a License that MasterCard grants to a Customer for use of one or more of these brands. If a particular brand or brands is not mentioned in a Rule, then the Rule applies to all three brands. This manual also contains Rules for the MasterCard Electronic and MasterCard Mobile brands. The Rules for these brands apply only to those Customers Licensed to use either or both of these brands. The below table describes the applicability of the Rules for particular types of Transactions. Please note that the term “POS Transaction” refers to a Transaction that occurs at a Merchant location, whether in a Card-present environment at an attended or unattended POS Terminal, or in a Card-not-present environment. In a Card-not-present environment, this may include electronic commerce (“e-commerce”), mail order, phone order, or recurring payment Transactions. Refer
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