Oman National ATM/POS Switch Network OmanNet Operating Rules Business Book 1 - General Rules Version 2.0 – February 2014 Oman National ATM/POS Switch Operating Rules Business Book 1 General Rules Table of Contents 1 GENERAL RULES ............................................................................................................................................. 8 1.1 SERVICES OFFERED: ............................................................................................................................................. 8 1.2 DISCLOSURE AGREEMENT ..................................................................................................................................... 8 1.3 MEMBERSHIP RULES:........................................................................................................................................... 9 1.3.1 License approval: ................................................................................................................................ 9 1.3.2 Obligations to member banks; .......................................................................................................... 9 1.3.3 Termination of membership: ........................................................................................................... 10 1.3.4 Liability for owned or controlled entities: ....................................................................................... 11 1.3.5 Applicable law: ................................................................................................................................. 11 1.4 BRANDING & LOGO’S: ....................................................................................................................................... 12 1.4.1 OmanNet logo: ................................................................................................................................. 12 1.4.2 Usage of the OmanNet logo: ........................................................................................................... 12 1.4.3 Misuse of the OmanNet logo: ......................................................................................................... 13 1.4.4 Display of the OmanNet logo: ......................................................................................................... 13 1.5 CONFIDENTIALITY: ............................................................................................................................................. 14 1.6 AMENDMENT AND WAIVERS: .............................................................................................................................. 14 1.6.1 Amendment to the operating Rules: ............................................................................................... 14 1.6.2 Waivers from the Rules:................................................................................................................... 14 1.7 COMPLIANCE: ................................................................................................................................................... 14 1.8 SELF-ASSESSMENT: ............................................................................................................................................ 15 2 ISSUER REQUIREMENTS & INFORMATION ................................................................................................. 16 2.1 CARD OPERATING MODES: .................................................................................................................................. 16 2.1.1 Domestic debit cards: ...................................................................................................................... 16 2.1.2 International payment scheme cards: ............................................................................................ 17 2.2 STOLEN / FRAUDULENT CARDS: ............................................................................................................................ 17 3 ACQUIRER REQUIREMENTS & INFORMATION ............................................................................................ 18 3.1 INTRODUCTION: ................................................................................................................................................ 18 3.2 ACQUIRER BANK RESPONSIBILITY ......................................................................................................................... 18 3.2.1 Information and Documentation Retention Period ....................................................................... 18 3.2.2 Good Faith Collection ....................................................................................................................... 18 3.2.3 No Cash Refunds .............................................................................................................................. 19 3.2.4 Cashback .......................................................................................................................................... 19 3.3 ATM ACQUIRING: ............................................................................................................................................. 19 3.3.1 Branding: .......................................................................................................................................... 19 3.3.2 EMV compliance: ............................................................................................................................. 19 3.3.3 Card acceptance:.............................................................................................................................. 20 3.3.4 Minimum set of services offered: .................................................................................................... 20 3.4 POS ACQUIRING: .............................................................................................................................................. 21 3.4.1 Branding: .......................................................................................................................................... 21 3.4.2 EMV compliance: ............................................................................................................................. 21 PSD Page 2 of 37 Oman National ATM/POS Switch Operating Rules Business Book 1 General Rules 3.4.3 Card acceptance:.............................................................................................................................. 21 3.4.4 Minimum set of services offered: .................................................................................................... 22 4 PROCESSING REQUIREMENTS ..................................................................................................................... 23 4.1 INTRODUCTION ................................................................................................................................................. 23 4.2 DOMESTIC TRANSACTIONS PROCESSING: ............................................................................................................... 23 4.2.1 Domestic not on-us transactions processing: ................................................................................. 23 4.3 ROUTING OF INTERNATIONAL TRANSACTIONS: ....................................................................................................... 29 5 REPORTS ....................................................................................................................................................... 30 5.1 INTRODUCTION ................................................................................................................................................. 30 5.2 FILES/ REPORTS REQUESTED FROM THE MEMBER BANKS: ........................................................................................ 30 5.2.1 Testing and Certification Reports: ................................................................................................... 30 5.2.2 Active Installed Terminals Report: ................................................................................................... 31 5.3 FILES/ REPORTS PROVIDED TO THE MEMBER BANKS BY OMANNET: ........................................................................... 31 5.3.1 Reconciliation & posting files: ......................................................................................................... 31 5.3.2 Settlement reports: .......................................................................................................................... 31 6 MASTER AGREEMENT .................................................................................................................................. 32 6.1 MEMBER BANK INTERFACE: ................................................................................................................................ 32 6.1.1 Planned unavailability: .................................................................................................................... 32 6.2 ACQUIRER NETWORK: ........................................................................................................................................ 33 6.2.1 ATM Acquiring: ................................................................................................................................ 33 6.2.2 POS Acquiring ................................................................................................................................... 34 6.3 ISSUER