Professional Documents
Culture Documents
Unattended
Attended
POS Terminals
POS Terminals
or CATs
A POS Transaction occurring at an attended POS A POS Transaction occurring at an unattended POS
Terminal is a face-to-face Transaction, since a Terminal is a non-face-to-face Transaction, as NO
Sales Person or Representative is present at the Sales Person or Representative is present at the time
time of the Transaction. of the Transaction. Examples of unattended POS
Terminals include ticket dispensing machines, vending
machines, automated fuel dispensers, toll booths, and
parking meters.
Level Description
CAT 1 Automated Dispensing Machines
CAT 2 Self-Service Terminals
CAT 3 Limited Amount Terminals
CAT 4 In-Flight Terminals
CAT 6 Electronic Commerce
CAT 7 Transponders
CAT 9 Mobile Point of Sale (MPOS)
Guide guide
Quick is not for
a replacement
CATs for the actual Rules & Regulations
Guide
© 2017is Mastercard
not a substitute
International
for the actual
Incorporated.
rules andAll
regulations
Rights Reserved. Quick guide for CATs 2
QUI C K G U ID E TO CA R D H OL DER AC T I VAT ED T ERM I NA LS (CATS )
The CAT rules apply to Mastercard POS transactions only, as Maestro acceptance requires a PIN to verify the
Cardholder identity, exceptions are:
• EMV or Chip based Maestro Contactless < EUR 25 for all contactless Maestro transactions
• EMV or Chip based Maestro Contact transactions at CAT 3 Terminals for limited amounts
❶ My unattended Terminal:
is in a location where no
online connection is possible
❸ Certain Restrictions:
Maestro Limited to Maestro Maestro
w/, CDCVM EUR 50 & w/PIN Pad, w/PIN Pad,
No
or Specific CDCVM or CDCVM or
Restrictions
Contactless Industries Contactless Contactless
< EUR 25 only < EUR 25 < EUR 25
Rule of Generally dispenses Generally dispenses Is only allowed for Is only allowed for
Thumb something of high-value something of low certain merchant certain merchant
value – speed @ device types and the types and is “In-Flight”
important terminal is OFFLINE
Acceptable All Mastercard & All Mastercard & All Mastercard & All Mastercard &
Mastercard Maestro Cards restricted Maestro restricted Maestro restricted Maestro
Products
Needs Cardholder Needs a secure PIN NO CVM required Optional for Optional for offline
Verification Entry Device for offline PIN PIN verification,
(i.e. PIN Pad online or offline PIN verification, otherwise no
& PIN Entry) otherwise no CVM required
CVM required
MCC or Industry None None • 4 684: Bridges, Tolls • 4 899: Pay TV or Radio
Restrictions, • 7523: Parking, Garages • 5309: Duty Free
if applicable • 7542: Car Wash • 5964: Direct Marketing
• 5499: Vending Machines • 7299: Other Services
• 7994: Video Games
In the Europe Region, a transaction should be In the Europe Region, any authorization request
identified as a Mastercard or Debit Mastercard for an amount greater than zero is identified as a
POS Transaction authorization request or a final authorization if:
Card-not-Present Maestro POS Transaction as a
preauthorization if:
*See Transaction Processing Rules, Chapter 2.1, 2.5, 2.7 and, Europe Region Sections
Pre-Authorizations* Incremental
Pre-Authorization*
Cardholder is provided An incremental pre-authorization “extends” the
B
Online Pre-Auth Request 0100 by an incremental amount
message for the Est. Amount
4808: Chargeback Protection Period extension if submitted
within the original timeframes AND for the same original
estimated amount or an incremental amount – see below
7
QU I C K G U I D E TO CA R D H OL DER AC T I VAT ED T ERM I NA LS (CATS )
C Receive Auth Response 0110 EUR 25) less than or equal to CVM limit
Approval Msg in DE 39
C
Receive Auth Response 0110
Approval Msg in DE 39
F
Receive Auth Advice Response
No Submit an
0130 Msg
E Full amount F Auth Advice
msg 0120 with
of Pre-Auth final amount
Yes reached? & critical data
G
Submit First Presentment elements
as a 1240 message 7
4808: Chargeback Protection Period
Mastercard & Maestro: 7 Calendar
H Submit First
G Receive
Auth Advice
Days to submit First Presentment Presentment Response
as a 1240 msg 0130 Msg
**See most recent Mastercard Quick Reference Booklet for then actual CVM limits
8
QU I C K G U ID E TO CATS
A
for the Final Amount Occurs when a cardholder purchases
value redeemable for future travel
with a transit merchant. The pur
chased value is held by the transit
B
4808: Chargeback Protection Period
Mastercard & Maestro: 7 Calendar 7 Transactions
Occurs when the transit operator
Days to submit First Presentment
generates a Final Authorization
Request 0100 message each time a
cardholder uses their card or device
at a transit terminal for the full
amount of the transaction.
This document contains the proprietary and confidential information of Mastercard Europe
SA (“Mastercard”) and the information provided herein is strictly confidential. It is intended
to be used internally within your organization and by receiving this information you agree
that, except with the prior written permission of Mastercard, such information shall not be
used for any unauthorized purpose and shall not be published or disclosed to third parties, in
whole or part. Mastercard will not be responsible for any action you take as a result of this
presentation, or any inaccuracies, inconsistencies, formatting errors, or omissions in this
presentation. Mastercard makes no representations or warranties, express or implied, as
to the accuracy or completeness of the information contained herein, and Mastercard will
not have any liability to you or any other person resulting from the use of such information
by you or any of your representatives. This guide is not a replacement for the then current
Mastercard Rules and regulations.