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Transaction Processing Rules 11 December 2020

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Transaction Processing Rules 11 December 2020 Transaction Processing Rules 11 December 2020 TPR Summary of Changes, 11 December 2020 Summary of Changes, 11 December 2020 The following are changes with the most recent publication of this document. Source or Explanation of Chapter Number Rule Name Revisions Chapter 2 Authorization and 2.12 Full and Partial AN 4317 Revised Standards Clearing Requirements Approvals for Global Support of Partial Asia/Pacific Region > 2.12 Approval Full and Partial Approvals Europe Region > 2.12 Full and Partial Approvals Middle East/Africa Region > 2.12 Full and Partial Approvals 2.13.1 Refund Transactions— AN 1430 Revised Standards Acquirer Requirements —Refund Transactions (as 2.13.2 Refund Transactions— updated on 6 October 2020) Issuer Requirements>Response Code Values Chapter 3 Acceptance 3.14.1 Refund Transactions AN 1430 Revised Standards Procedures —Refund Transactions (as updated on 6 October 2020) Chapter 4 Card-Present Europe Region AN 4438 Revised Standards Transactions 4.10 Purchase with Cash for Enhanced Support for Back Transactions Purchase with Cash Back in Serbia and Montenegro Chapter 5 Card-Not-Present Europe Region > AN 2360—Revised Standards Transactions 5.5 Installment Billing for for the Installment Payment Domestic Transactions— Service for Poland Participating Countries Only ©2013–2020 Mastercard. Proprietary. All rights reserved. Transaction Processing Rules • 11 December 2020 2 Summary of Changes, 11 December 2020 Source or Explanation of Chapter Number Rule Name Revisions Europe Region > AN 2723 Revised Standards 5.1.1 E-commerce Europe Region PSD2 RTS Transactions Acquirer and Compliance for Remote Merchant Requirements Electronic >PSD2 Strong Customer Authentication (SCA) Requirements > Authentication Amount 5.1.2 E-commerce Transactions—Issuer Requirements 5.9 Merchant-initiated Transactions – EEA Only Chapter 6 Payment Europe Region > 6.2 Gaming AN 3929 Revised Standards Transactions and Funding Payment Transactions for Gaming Payment Transactions Middle East/Africa Region > Transactions in Select 6.2 Gaming Payment Regions and Introduction of Transactions New Mastercard Gaming and Gambling Payments United States Region > 6.2 Program in the U.S. Region Gaming Payment Transactions Payment Transactions and AN 4153 Revised Standards Funding Transactions for Enhancements to (chapter renamed) MoneySend Payment 6.4 Funding Transactions Transactions and Funding Transactions Chapter 7 Terminal Europe Region > AN 1474 Revised Standards Requirements 7.3 Contactless Payment for EMV and Contactless Functionality Roadmap 7.4 POS Terminal Requirements 7.4.3 Mobile POS (MPOS) Terminals ©2013–2020 Mastercard. Proprietary. All rights reserved. Transaction Processing Rules • 11 December 2020 3 Summary of Changes, 11 December 2020 Source or Explanation of Chapter Number Rule Name Revisions Asia/Pacific Region > 7.3 Contactless Payment Functionality 7.4 POS Terminal Requirements 7.4.3 Mobile POS (MPOS) Terminals Canada Region > 7.3 Contactless Payment Functionality 7.4 POS Terminal Requirements 7.4.3 Mobile POS (MPOS) Terminals Europe Region > 7.3 Contactless Payment Functionality Latin America and the Caribbean Region > 7.3 Contactless Payment Functionality 7.4 POS Terminal Requirements United States Region > 7.3 Contactless Payment Functionality 7.4 POS Terminal Requirements 7.4.3 Mobile POS (MPOS) Terminals Europe Region AN 4437 Revised Standards 7.6.2 Hybrid ATM Terminal for Contactless Support at and Bank Branch Terminal ATMs in Bosnia, Serbia, and Requirements Montenegro ©2013–2020 Mastercard. Proprietary. All rights reserved. Transaction Processing Rules • 11 December 2020 4 Summary of Changes, 11 December 2020 Source or Explanation of Chapter Number Rule Name Revisions Appendix C Transaction Payment Transactions AN 3929 Revised Standards Identification Requirements for Gaming Payment Transactions in Select Regions and Introduction of New Mastercard Gaming and Gambling Payments Program in the U.S. Region Appendix D Cardholder- CAT Level Requirements > AN 2955 Revised Standards Activated Terminal (CAT) Dual Capability for CAT 1 for Automated Fuel Transactions and CAT 2 Dispenser Transaction Chargeback Liability Appendix F Signage, Screen Model Screen Displays for AN 2360—Revised Standards and Receipt Text Display Offering Installment for the Installment Payment Payments Service for Poland Poland Appendix H Definitions Gaming Payment AN 3929 Revised Standards Transaction (Added) for Gaming Payment Payment Transaction Transactions in Select (Updated) Regions and Introduction of New Mastercard Gaming PTA Program (Updated) and Gambling Payments Program in the U.S. Region Funding Transaction (Added) AN 4153 Revised Standards for Enhancements to MoneySend Payment Transactions and Funding Transactions ©2013–2020 Mastercard. Proprietary. All rights reserved. Transaction Processing Rules • 11 December 2020 5 Applicability of Rules in this Manual Applicability of Rules in this Manual This manual contains Rules for Activities. The Rules in this manual pertain to the processing of Transactions and Payment Transactions. As used herein, a Transaction means a transaction resulting from the use of a Mastercard®, Maestro®, or Cirrus® Card, Access Device, or Account, as the case may be. As used herein, a Payment Transaction means a Payment Transfer Activity (PTA) Transaction that transfers funds to an Account. A Payment Transaction is not a credit that reverses a previous purchase (includes MoneySend Payment Transactions and Gaming Payment Transactions). For the purposes of Standards applicable to Payment Transactions, Issuer means the Receiving Institution (RI), and Acquirer means the Originating Institution (OI). The below table describes the applicability of the Rules for particular types of Transactions or Payment Transactions. Please note that the term “POS Transaction” refers to a Transaction that occurs at a Merchant location, whether in a Card-present environment at an attended or unattended POS Terminal, or in a Card-not-present environment. In a Card-not-present environment, this may include electronic commerce (“e-commerce”), mail order, phone order, or recurring payment Transactions. Rules relating to… Apply to… Mastercard POS A POS Transaction conducted with a Mastercard Card. Transactions 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 Mastercard® Single Message System. ATM Transactions A Transaction conducted with a Mastercard, Maestro, or Cirrus Card at an ATM Terminal and routed to the Interchange System. Manual Cash Disbursement A cash withdrawal Transaction conducted at: Transactions • A Customer financial institution teller or Bank Branch Terminal with a Mastercard Card, or • A Bank Branch Terminal with a Maestro or Cirrus Card and routed to the Interchange System. 1 If a particular brand or brands is not mentioned in a Rule that applies to Transactions, then the Rule applies to Mastercard, Maestro, and Cirrus. ©2013–2020 Mastercard. Proprietary. All rights reserved. Transaction Processing Rules • 11 December 2020 6 Applicability of Rules in this Manual Rules relating to… Apply to… Mastercard Mobile Remote A POS Transaction performed by an enrolled consumer Payment (MMRP) using a mobile device registered by the Issuer or its Service Transactions Manager and having Mastercard Mobile Remote Payment functionality. The consumer, as a Mastercard or Maestro Cardholder, initiates and authenticates payments by entering a PIN or mobile-specific credentials on the mobile device. Payment Transactions A PTA Transaction that transfers funds to an Account. A Payment Transaction is not a credit that reverses a previous purchase. Includes MoneySend Payment Transactions and Gaming Payment Transactions. Modifying Words and Acronyms From time to time, the meanings of the above terms are modified by the addition of another word or acronym. For example, a Debit Mastercard POS Transaction means a Transaction resulting from the use of a Debit Mastercard Card at the point of sale (POS). However, for ease of use, not every modifying term is defined. While Mastercard alone interprets and enforces its Rules and other Standards, these Transaction Processing Rules endeavor to use defined terms and other terms and terminology in a plain manner that will be generally understood in the payments industry. Variations and Additions to the Rules for a Geographic Area Variations and/or additions (“modifications”) to the Rules are applicable in geographic areas, whether a country, a number of countries, a region, or other area. In the event of a conflict between a Rule and a variation of that Rule, the modification is afforded precedence and is applicable. The Rules set forth in this manual are Standards and Mastercard has the sole right to interpret and enforce the Rules and other Standards. 1 If a particular brand or brands is not mentioned in a Rule that applies to Transactions, then the Rule applies to Mastercard, Maestro, and Cirrus. ©2013–2020 Mastercard. Proprietary. All rights reserved. Transaction Processing Rules • 11 December 2020 7 Contents Contents Summary of Changes, 11 December 2020................................................................ 2 Applicability of Rules in this Manual.............................................................................6 Chapter 1: Connecting to the Interchange System and Authorization Routing....................................................................................................................................
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