Maestro Cardholder Verification—PIN and Signature Requirements
In the Europe Region, the Rule on this subject is modified as follows. The Cardholder must be verified by a PIN for each Contactless Transaction conducted in the Europe Region with a Card issued in the Europe Region that exceeds the applicable Contactless Transaction CVM limit amount.
Obtaining an Authorization for a MasterCard POS Transaction
In the Europe Region, the Rule on this subject is modified as follows. A Merchant must inform the Cardholder of any estimated amount for which authorization will be requested and must obtain the Cardholder’s consent to the amount before initiating the authorization request. This requirement does not apply to:
• Automated fuel dispenser (AFD) Transactions (MCC 5542), or
• An authorization requested for an amount otherwise confirmed by the Cardholder to be the final Transaction amount.
Effective for Transactions authorized on or after 5 November 2013, a reason code 4808 chargeback protection period applies with respect to each approved authorization. To extend the duration of the reason code 4808 chargeback protection period, the Merchant may submit additional authorization requests for the same Transaction on later dates, as described in “Acquirer Authorization Requirements” of Chapter 2. Also see “preauthorizations,” “Final Authorizations,” and “Full and Partial Reversals” for more information about authorization processing and the reason code 4808 chargeback protection
Authorization of Lodging, Cruise Line, and Vehicle Rental Transactions
In the Europe Region, the Rule on this subject is modified as follows. The Transaction amount submitted by the Merchant for a lodging, cruise line, or vehicle rental Transaction must not exceed the approved amount. If the Merchant obtains a preauthorization for an estimated amount, and the Transaction amount will exceed the approved amount, the Merchant may request an additional authorization. In connection with such a Transaction, the Issuer must not place a hold on funds in the Cardholder’s Account in excess of the approved amount.
Authorization When the Cardholder Adds a Gratuity
In the Europe Region, the Rule on this subject is modified as follows.
The Transaction amount must not exceed the approved amount for the purpose of adding a gratuity unless the Transaction is a Card-present Transaction that is neither a chip/PIN Transaction nor a Contactless Transaction, and provided the authorization is coded as a preauthorization. If the Merchant obtains a preauthorization for an estimated amount, and the Transaction amount exceeds the approved amount, the Merchant may request an additional authorization. When the Transaction amount must not exceed the approved amount for the purpose of adding a gratuity, any gratuity must be included in the Transaction authorization request. In connection with such a Transaction, the Issuer must not place a hold on the Cardholder’s Account in excess of the approved amount.
Obtaining an Authorization for a Maestro POS Transaction
not apply to:
• Contactless transit aggregated Transactions and transit debt recovery Transactions,
• Automated fuel dispenser (AFD) Transactions (MCC 5542), or
• An authorization requested for an amount otherwise confirmed by the Cardholder to be the final Transaction amount.
Effective for Transactions authorized on or after 5 November 2013, a reason code 4808 chargeback protection period applies with respect to each approved authorization. To extend its duration, the Merchant may submit additional authorization requests for the same Transaction on later dates, as described in “Acquirer Authorization Requirements” of Chapter 2. Also see “Preauthorizations,” “Final Authorizations,” and “Full and Partial Reversals” for more information about authorization processing and the reason code 4808 chargeback protection period. An authorization is not required for a dual message Maestro refund Transaction.
Charges for Loss, Theft, or Damage—MasterCard POS
Transactions Only
In the Europe Region, the Rule on this subject is modified as follows. The final amount of a Transaction relating to repairs must not exceed the Merchant’s estimated amount. If the Merchant obtains a preauthorization for an estimated amount, and the Transaction amount exceeds the approved amount, the Merchant may request an additional authorization.
In connection with such Transactions, the Issuer must not place a hold on the Cardholder’s Account in excess of the approved amount.
Providing a Transaction Receipt
In the Europe Region, the first paragraph of the Rule on this subject, as it applies to ATM Terminals, is modified as follows.
For every completed Transaction, an ATM Terminal with receipt printing capability must make a receipt available to the Cardholder, either automatically or upon the Cardholder’s request. A cash withdrawal without a printed receipt at an ATM Terminal is allowed only if the device is out of paper and the Cardholder is advised prior to the Transaction that a printed receipt is not available.
POS Transaction Receipt Requirements
The Transaction amount printed in a different currency must be at the bottom of the receipt with a clear indication that it is being provided only for information purposes.
Primary Account Number (PAN) Truncation and Expiration Date Omission
In the Netherlands, the Rule on this subject is replaced with the following: A Transaction receipt generated by an electronic POI Terminal, whether attended or unattended, must not include the Card expiration date. In addition, a Transaction receipt generated for a Cardholder by an electronic POI Terminal, whether attended or unattended, must reflect a maximum of four of the last seven digits of the PAN. All non-reflected digits of the PAN must be replaced with fill characters, such as “X,” “*,” or “#.”
The Corporation strongly recommends that if a POS Terminal generates a Merchant copy of the Transaction receipt, the Merchant copy should also reflect a maximum of four of the last seven digits of the PAN, replacing all non-reflected digits with fill characters that are neither blank spaces nor numeric characters, such as “X,” “*,” or “#.”
Returned Products and Canceled Services
Refund Transactions
In the Europe Region, the Rule on this subject is modified as follows with respect to Maestro POS Transaction refunds:
The refund Transaction may be used to return the unused gambling value to the Cardholder, up to the amount of the original purchase occurring on a Maestro Card. The Gaming Payment Transaction must be used to transfer gambling winnings to the Cardholder.
The refund of a MO/TO Transaction may be processed to a Card without reading the magnetic stripe or chip on the Card. A Transaction printout must be generated for a refund Transaction, with the exception of MO/TO refunds. The interchange fee is reversed from the Issuer to the Acquirer for every refund Transaction.
Latin America and the Caribbean Region
The following variations and additions to the Rules apply in the Latin America and the Caribbean Region. Refer to Appendix A for the Latin America and the Caribbean Region geographic listing.
In the Latin America and the Caribbean Region, the Rule on this subject is modified as follows.
The Cardholder must be verified by a PIN for:
• Each Maestro Contactless Transaction conducted in Brazil, Chile, or Colombia with a Card issued in Brazil, Chile, or Colombia that exceeds the applicable Contactless Transaction CVM limit amount, and
• Each Maestro Contactless Magnetic Stripe Transaction conducted in Brazil with a Card issued in Brazil that exceeds BRL 50. A CVM is not required for a Contactless Magnetic Stripe Transaction that is less than or equal to BRL 50. The Latin America and the Caribbean Region participates in the Maestro Issuer Assurance Plan.
United States Region
The following variations and additions to the Rules apply in the United States (U.S.) Region. Refer to Appendix A for the U.S. Region geographic listing.
Maestro Cardholder Verification—PIN and Signature
Requirements
In the U.S. Region, the Rule on this subject is modified as follows. The Cardholder must be verified by a PIN for each Maestro Contactless Transaction that exceeds the applicable Contactless Transaction CVM limit amount.
No PIN is required when a POS Transaction is conducted as described in “PINless Single Message Transactions” in Chapter 4.