Transaction Processing Rules - MasterCard

1 Transaction ProcessingRules19 December 2019 TPRS ummary of Changes, 19 December 2019 The following are changes with the most recent publication of this NumberRule NameSource or Explanation ofRevisionsApplicability of Rules in thisManualRemoved all occurrences ofMastercard AN 1343 Decommissioning of MastercardElectronic, 1 December of Rules in thisManualApplicability of Rules in thisManualSee AN 2305 RevisedStandards Payment TransferActivity Rules , 12 April 1 Connecting to theInterchange System andAuthorization Connecting to theInterchange SystemSee AN 2305 RevisedStandards Payment TransferActivity Rules , 12 April 1 Connecting to theInterchange System andAuthorization Authorization Routing MasterCard POS Authorization Routing Maestro, Cirrus, and ATMT ransactionsSee AN 2208 RevisedStandards Use of MasterCard -Sourced BIN Tables, 19 1 Connecting to theInterchange System andAuthorization RoutingEurope Connecting to theInterchange SystemSee AN 2305 RevisedStandards Payment TransferActivity Rules , 12 April 1 Connecting to theInterchange System andAuthorization RoutingEurope Authorization Routing MasterCard POS TransactionsSee AN 2208 RevisedStandards Use of MasterCard -Sourced BIN Tables, 19 2 Authorization andClearing Acquirer AuthorizationRequirementsSee AN 1853 RevisedStandards Push PaymentTransactions Mandate andMoneySend MCC Expansion, 18 March AN 2305 RevisedStandards Payment TransferActivity Rules , 12 April AN 1430 RevisedStandards RefundTransactions, 16 of Changes, 19 December 2019 2013 2019 MasterCard .

2 Proprietary. All rights Processing Rules 19 December 20192 Chapter NumberRule NameSource or Explanation ofRevisionsChapter 2 Authorization andClearing Issuer AuthorizationRequirementsSee AN 1853 RevisedStandards Push PaymentTransactions Mandate andMoneySend MCC Expansion, 18 March AN 1430 RevisedStandards RefundTransactions, 16 2 Authorization andClearing Issuer Host Full and Partial Reversals Acquirer Refund transactions andCorrections (Renamed) Refund transactions Acquirer Requirements (Added) Refund transactions Issuer Requirements (Added)See AN 1430 RevisedStandards RefundTransactions, 16 2 Authorization andClearing Full and Partial Approvals(Renamed)See AN 2815 RevisedStandards Global Support ofPartial Approval and BalanceResponse, 18 October 2 Authorization andClearing RequirementsCanada Full and Partial Approvals(Renamed)See AN 2815 RevisedStandards Global Support ofPartial Approval and BalanceResponse, 18 October 2 Authorization andClearing RequirementsEurope Acquirer AuthorizationRequirementsSee AN 1430 RevisedStandards RefundTransactions, 16 2 Authorization andClearing RequirementsEurope Acquirer Issuer AuthorizationRequirementsSee AN 2723 RevisedStandards Europe Region PSD2 RTS Compliance for RemoteElectronic transactions , 11 November of Changes, 19 December 2019 2013 2019 MasterCard .

3 Proprietary. All rights Processing Rules 19 December 20193 Chapter NumberRule NameSource or Explanation ofRevisionsChapter 2 Authorization andClearing RequirementsEurope Stand-In Processing ServiceClarified the participationrequirements for an Issuer inArmenia, Azerbaijan, Belarus,Georgia, Israel, Kazakhstan,Kyrgyzstan, Russian Federation,Switzerland, Tajikistan, Turkey,Turkmenistan, or 2 Authorization andClearing RequirementsEurope Full and Partial Approvals(Renamed)See AN 2815 RevisedStandards Global Support ofPartial Approval and BalanceResponse, 18 October 2 Authorization andClearing RequirementsEurope Refund transactions Acquirer Requirements (Added) Refund transactions Issuer Requirements (Added)See AN 1430 RevisedStandards RefundTransactions, 16 2 Authorization andClearing RequirementsEurope Co-badged Cards Acceptance Brand IdentifierSee AN 2892 RevisedStandards Application of theInterchange Fee Regulation inIceland, 13 August 2 Authorization andClearing RequirementsUnited States Full and Partial Approvals(Renamed)

4 See AN 2815 RevisedStandards Global Support ofPartial Approval and BalanceResponse, 18 October 3 MasterCard POST ransaction AuthorizationProceduresSee AN 1430 RevisedStandards RefundTransactions, 16 3 MasterCard CardholderVerification RequirementsSee AN 3375 RevisedStandards New CybersecurityStandards and ProgramsChapter, 7 November 3 Use of a PIN for Transactionsat ATM Terminals and BankBranch TerminalsSee AN 2726 RevisedStandards Cardless ATMP owered by MastercardTransactions, 11 June 3 POI Currency ConversionSee AN 2042 RevisedStandards Point-of-InteractionCurrency Conversion, 5 December of Changes, 19 December 2019 2013 2019 MasterCard . Proprietary. All rights Processing Rules 19 December 20194 Chapter NumberRule NameSource or Explanation ofRevisionsChapter 3 Returned Products andCanceled Refund Transaction RecordsSee AN 1430 RevisedStandards RefundTransactions, 16 3 AcceptanceProceduresEurope Card-Not-PresentTransactionsSee AN 2723 RevisedStandards Europe Region PSD2 RTS Compliance for RemoteElectronic transactions , 11 November 3 AcceptanceProceduresEurope Maestro POS TransactionAuthorization ProceduresSee AN 1430 RevisedStandards RefundTransactions, 16 4 Quick Payment Service (QPS)

5 Program MasterCard POST ransactions OnlySee AN 2780 RevisedStandards Revised MCCD escriptions, 18 June 4 Automated FuelDispenser TransactionsSee AN 2697 RevisedStandards ElectronicCommerce transactions atAutomated Fuel Dispensers, 17 May 4 Card-PresentTransactionsEurope No-CVM Magnetic Stripeand Contact Chip Maestro POST ransactionsSee AN 2598 RevisedStandards PSD2 Impacts onCAT Level 2, Level 3, and Level 4 Terminals for the EEAC ountries, 5 August 4 Card-PresentTransactionsEurope Purchase with Cash BackTransactionsSee AN 2373 RevisedStandards Introduction ofPurchase with Cash Back Servicein Switzerland, 23 4 Card-PresentTransactionsEurope transactions at UnattendedPOS TerminalsSee AN 2598 RevisedStandards PSD2 Impacts onCAT Level 2, Level 3, and Level 4 Terminals for the EEAC ountries, 5 August 5 Recurring Merchant-initiatedTransactions EEA Only (Added)See AN 2723 RevisedStandards Europe Region PSD2 RTS Compliance for RemoteElectronic transactions , 11 November of Changes, 19 December 2019 2013 2019 MasterCard .

6 Proprietary. All rights Processing Rules 19 December 20195 Chapter NumberRule NameSource or Explanation ofRevisionsChapter 5 Card-Not-PresentTransactionsEurope E-commerce transactions Acquirer and E-commerce transactions Issuer Recurring PaymentTransactionsSee AN 2723 RevisedStandards Europe Region PSD2 RTS Compliance for RemoteElectronic transactions , 11 November 5 Card-Not-PresentTransactionsEurope Installment Billing forDomestic transactions Participating Countries OnlySee AN 2780 RevisedStandards Revised MCCD escriptions, 18 June AN 2975 RevisedStandards Installment PaymentServices in Certain Countries inthe Europe Region, 22 November 5 Card-Not-PresentTransactionsEurope Merchant-initiatedTransactions EEA Only (Added)See AN 2723 RevisedStandards Europe Region PSD2 RTS Compliance for RemoteElectronic transactions , 11 November 6 Payment TransactionsSee AN 1853 RevisedStandards Push PaymentTransactions Mandate andMoneySend MCC Expansion, 18 March AN 2305 RevisedStandards Payment TransferActivity Rules , 12 April 6 Payment transactions Acquirer and MerchantRequirementsSee AN 2305 RevisedStandards Payment TransferActivity Rules , 12 April 6 Payment transactions Issuer MoneySend PaymentTransactionsSee AN 1853 RevisedStandards Push PaymentTransactions Mandate andMoneySend MCC Expansion, 18 March AN 2305 RevisedStandards Payment TransferActivity Rules , 12 April of Changes, 19 December 2019 2013 2019 MasterCard .

7 Proprietary. All rights Processing Rules 19 December 20196 Chapter NumberRule NameSource or Explanation ofRevisionsChapter 6 PaymentTransactionsEurope Payment Gaming PaymentTransactionsSee AN 2305 RevisedStandards Payment TransferActivity Rules , 12 April 6 PaymentTransactionsMiddle East/Africa Gaming PaymentTransactionsSee AN 2305 RevisedStandards Payment TransferActivity Rules , 12 April 6 PaymentTransactionsUnited States Gaming PaymentTransactionsSee AN 2305 RevisedStandards Payment TransferActivity Rules , 12 April AN 2814 RevisedStandards Region GamingPayment transactions MayProcess as ElectronicCommerce, 8 July 7 Terminal Function Keys forPIN Entry (Renamed) POS Terminals UsingElectronic Signature CaptureTechnology (ESCT) (Added)See AN 3375 RevisedStandards New CybersecurityStandards and ProgramsChapter, 7 November 7 TerminalRequirementsEurope POS Terminal RequirementsSee AN 2865 RevisedStandards Sz chenyi LeisureCards Issued as MastercardPrepaid Cards, 16 7 TerminalRequirementsEurope ATM Terminal and BankBranch Terminal RequirementsSee AN 3407 RevisedStandards ATM WithdrawalLimits in Kazakhstan, 3 December 7 TerminalRequirementsEurope Hybrid ATM Terminal andBank Branch TerminalRequirementsSee AN 2978 RevisedStandards Contactless toBecome Standard in ATMs inCzech Republic and Poland, 18 November B Compliance Zones Compliance ZonesUpdated table to reflect currentcontents of this of Changes, 19 December 2019 2013 2019 MasterCard .

8 Proprietary. All rights Processing Rules 19 December 20197 Chapter NumberRule NameSource or Explanation ofRevisionsAppendix C TransactionIdentification RequirementsPayment TransactionsSee AN 1853 RevisedStandards Push PaymentTransactions Mandate andMoneySend MCC Expansion, 18 March AN 2305 RevisedStandards Payment TransferActivity Rules , 12 April C TransactionIdentification RequirementsElectronic CommerceTransactionsSee AN 2697 RevisedStandards ElectronicCommerce transactions atAutomated Fuel Dispensers, 17 May D Cardholder-Activated Terminal (CAT)TransactionsDual Capacity for CAT 1 andCAT 2 See AN 2955 RevisedStandards Automated FuelDispenser TransactionChargeback Liability, 23 October D Cardholder-Activated Terminal (CAT)TransactionsCAT Level 1: AutomatedDispensing Machines (CAT 1)See AN 2450 RevisedStandards MastercardConsumer-Presented QRTransactions, 12 June E CVM LimitAmountsEurope Region(Belarus and Turkey Only)See AN 2974 RevisedStandards CardholderVerification Method LimitChanges for Belarus, Sweden,and Turkey, 5 September E CVM LimitAmountsEurope RegionMiddle East/Africa RegionSee AN 2719 RevisedStandards CVM Limit Changesin Israel, Kuwait, Poland, andSlovenia, 30 April E CVM LimitAmountsLatin America and the CaribbeanRegionSee AN 3345 RevisedStandards CVM Limit Changesin Argentina and Uruguay, 23 October F Signage, Screen,and Receipt Text DisplayModel Screen Displays forOffering Installment Payments(Added)Model Receipt Texts forInstallments (Added)See AN 2975 RevisedStandards Installment PaymentServices in Certain Countries inthe Europe Region, 22 November of Changes, 19 December 2019 2013 2019 MasterCard .

9 Proprietary. All rights Processing Rules 19 December 20198 Chapter NumberRule NameSource or Explanation ofRevisionsAppendix H DefinitionsAccount Holder (Added)Activity(ies)Area of UseAssociation Customer,AssociationCorporation System (Added)CustomerCustomer ReportDigitization, DigitizeICA (Added)Interchange SystemLicense, LicensedMastercard Digital EnablementServiceMastercard TokenMastercard Token AccountRangeMoneySend Payment Transaction (Added)Non- MasterCard Funding Source(Added)Non- MasterCard ReceivingAccount (Added)Non- MasterCard Systems andNetworks Standards (Added)Originating Account Holder(Added)Originating Institution (OI)(Added)ParticipationPayment Account Reference(PAR)Payment TransactionPayment Transfer Activity(ies)(PTA) (Added)See AN 2305 RevisedStandards Payment TransferActivity Rules , 12 April of Changes, 19 December 2019 2013 2019 MasterCard . Proprietary. All rights Processing Rules 19 December 20199 Chapter NumberRule NameSource or Explanation ofRevisionsPoint of Interaction (POI)Processed PTA Transaction (Added)ProgramPTA Account (Added)PTA Account Number (Added)PTA Account Portfolio (Added)PTA Agreement (Added)PTA Customer (Added)PTA Originating Account(Added)PTA Program (Added)PTA Receiving Account (Added)PTA Settlement GuaranteeCovered Program (Added)PTA Settlement Obligation(Added)PTA Transaction (Added)Receiving Account Holder(Added)Receiving Agent (Added)Receiving Customer (Added)Receiving Institution (Added)TokenTokenization, TokenizeTransaction DataAppendix H DefinitionsSolicitation, SolicitSee AN 2305 RevisedStandards Payment TransferActivity Rules , 12 April AN 2760 RevisedStandards Extension of Area ofUse Programs, 5 June of Changes, 19 December 2019 2013 2019 MasterCard .

10 Proprietary. All rights Processing Rules 19 December 201910 Chapter NumberRule NameSource or Explanation ofRevisionsAppendix H DefinitionsStrong Customer Authentication(SCA) (Added)See AN 2723 RevisedStandards Europe Region PSD2 RTS Compliance for RemoteElectronic transactions , 11 November of Changes, 19 December 2019 2013 2019 MasterCard . Proprietary. All rights Processing Rules 19 December 201911 Applicability of Rules in this ManualThis manual contains Rules for Rules in this manual pertain to the Processing of transactions and Payment 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, aPayment Transaction means a Payment Transfer Activity (PTA) Transaction that transfers fundsto an Account. A Payment Transaction is not a credit that reverses a previous purchase(includes MoneySend Payment transactions ).For the purposes of Standards applicable to Payment transactions , Issuer means the ReceivingInstitution (RI), and Acquirer means the Originating Institution (OI).