Mastercard Rules

1 Mastercard Rules 28 September 2021. BM. Contents Contents Summary of Changes, 28 September Mastercard 37. Applicability of Rules in this 38. Chapter 1: The License and 41. Eligibility to be a Principal or 43. Digital Activity 44. Payment Transfer Activity 44. Mastercard Anti-Money Laundering and Sanctions 44. Anti-Money Laundering 45. Sanction 46. Satisfaction of Minimum Financial 47. Special Conditions of Participation, License or 47. Interim The SEPA Licensing Program Europe Region 49. Area of Use of the Extending the Area of Extension of Area of Use 50. Central Acquiring Europe Region Transfer of Cards to India Residents is Prohibited without a 52. The Digital Activity 52.

2 Participation in Activity(ies) and Digital 52. Changing Customer 53. Participation and License, Digital Activity Agreement or PTA. Agreement Not 53. Right to Sponsor Change in Sponsorship of an Customer Name 53. The Sponsored Digital Activity Participation in Competing 54. Protection of the Participation Exceptions to the Participation 1969 2021 Mastercard . Proprietary. All rights reserved. Mastercard Rules 28 September 2021 2. Contents Portfolio Sale, Transfer, or Change of Control of Customer or 58. Voluntary Termination by the 59. Termination for Provision of Inaccurate Rights, Liabilities, and Obligations of a Terminated Chapter 2: Standards and Conduct of Activity and Digital 64.

3 65. Failure to Comply with a 65. Noncompliance 66. Noncompliance Review 70. Resolution of Review Rules Applicable to Intracountry 70. Conduct of Activity and Digital Customer 71. Obligations of a 72. 72. Financial Mastercard 73. 73. Information Security Indemnity and Limitation of Choice of Examination and Chapter 3: Customer Obligation to Issue Mastercard 79. Responsibility for Transaction Authorization Non-discrimination POS Non-discrimination ATM and Bank Branch Terminal 82. Integrity of Brand and 82. Fees, Assessments, and Other Payment Taxes and Other 83. 1969 2021 Mastercard . Proprietary. All rights reserved. Mastercard Rules 28 September 2021 3. Contents Maestro and Cirrus card Fees and Reporting Obligation of Customer to Provide 84.

4 Confidential Information of Use of Corporation Information by a 86. Confidential Information of Customer Evaluation of Mastercard Privacy and Data Processing of Personal Data for Purposes of Activity and Digital Data Subject Notice and Data Subject Personal Data Accuracy and Data Data 89. 90. Returning or Destroying Personal 90. Regional Variances and 90. Quarterly Mastercard Report (QMR)..90. Report Not Erroneous or Incomplete Overpayment Issuer Reporting Requirement EEA, Serbia, Gibraltar and United 92. 92. Recognized 92. Prior Consent of the Communications and Marketing Chapter 4: Use of the 94. Right to Use the Protection and Registration of the 95. Registration of a card 96.

5 Misuse of a Requirements for Use of a 96. Review of 97. Signage 97. Signage at a Merchant ATM Terminal Use of the Interlocking Circles 98. Use or Registration of Similar Logos, Designs, and Use of Multiple 99. Particular Uses of a 99. 1969 2021 Mastercard . Proprietary. All rights reserved. Mastercard Rules 28 September 2021 4. Contents Generic 99. Use of Use on Use on Non-Licensed Products or 100. Use or Registration of Master, Maestro, and Cirrus Terminology. 100. Use of a Word Mark in a Corporate, Business or Domain 100. Use of a Word Mark in Program Use on 101. Use of Marks on Maestro and Cirrus 101. Use of Marks on Mastercard Use of a card Design in Merchant Advertising and 103.

6 Use of a card Design in Issuer Advertising and Marketing Use of the Mastercard card Design in Cardholder Statement Use of the Brand Marks on Other 104.. Use of EMVCo 104. Chapter 5: Acquiring 105. The Merchant and ATM Owner Verify Bona Fide Business Operation; Government Controlled 107. Required Merchant Agreement Gambling Required ATM Owner Agreement Maintaining Location Administration Tool (LAT) 111. Merchant and Submerchant Compliance with the 111. Noncompliance 111. Deferred Delivery Regular Monitoring of Information and 112. Conditional Request for DDM 113. Acquirer Obligations to 113. Payment for 113. Supplying 114. Provide 114. Merchant Deposit Account Canada Region Merchant Disclosure of Merchant Name and Merchant Location Compliance and Certification.

7 115. 1969 2021 Mastercard . Proprietary. All rights reserved. Mastercard Rules 28 September 2021 5. Contents Submerchant Disclosure of Submerchant Name and 116. Submerchant Location Compliance and 117. Responsibility for 117. Transaction Message 117. card Acceptor Business Code (MCC) card Acceptor Address 118. Submerchant Name 118. ATM Terminal 118. Transactions at Terminals with No Fixed Transaction Currency 119. Use of the 119. Display of the Acceptance Location of Display with Other 122. Merchant Obligations for 122. Honor All 122. Merchant Acceptance of Mastercard Obtain an Additional Cardholder 123. Discounts or Other Benefits at the Point of Interaction ..123. Merchant Business Prohibited Charges to 124.

8 Minimum/Maximum Transaction Amount Scrip-dispensing 125. Existing Mastercard Cardholder 125. Cardholder Right of Illegal or Brand-damaging Mastercard Valid Sale or Exchange of Payment Account Reference (PAR) 127. Chapter 6: Issuing card Issuance General Mastercard Safety 130. Transaction Alerts Mastercard Decision Mastercard Acquirer Fraud 131. 1969 2021 Mastercard . Proprietary. All rights reserved. Mastercard Rules 28 September 2021 6. Contents Mastercard card 132. Linked Mastercard card Program Maestro card 132. Eligible Accounts Ineligible Accounts Cirrus card Eligible Cards 134. Eligible Accounts 135. Ineligible Cards 135. Ineligible Accounts 136. Transferred Cirrus 136.

9 Tokenization of Maestro 137. Cardholder Issuer Responsibilities to 138. Cardholder Limitation of Liability of Cardholders for Unauthorized Selective Affinity and Co-Brand card Ownership and Control of the 140. Use of the Acceptance Brand Value Transactions and Proprietary Proprietary Account 141. Use of BVT and Proprietary Accounts on a Mastercard 142. Fees and Reporting 143. Virtual Secured card Refund of 144. Solicitation and Disclosure 144. Youth card Solicitation and Disclosure 145. Prepaid card 145. Prior Consent of the 146. Reservation of Responsibility for the Prepaid card Categories of Prepaid card Consumer Prepaid card 147. Commercial Prepaid card Government Prepaid card 147.

10 Return of Unspent 147. Consumer Prepaid card 148. Commercial Prepaid card Government Prepaid card 148. 1969 2021 Mastercard . Proprietary. All rights reserved. Mastercard Rules 28 September 2021 7. Contents Value 149. Automatic Value Loads from Payment Communication and Marketing 150. Anonymous Prepaid card 151. Simplified Due Diligence 151. Debit Mastercard Meal/Food Voucher card Program ..151. Maestro Chip-only card Programs Europe Region Debit card Programs Issued by Electronic Money Institutions and Payment Decoupled Payment card 151. Chapter 7: Service Providers and Network Enablement 152. Service Provider Categories and The Program Service and Performance of Program Customer Responsibility and Notification to the Corporation of Change of Name or Transfer of Ownership or Program Service Disclosure of Customer Point of 166.