Global Operations Bulletin No 7, 2 July 2012

Global
Operations
Bulletin No. 7 • 2 July 2012
In this bulletin...
4 Revised Standards for Card Solicitations and Linked Card Programs
7 Revised Standards for POI Funding Transactions
10 Revised U.K. Chip Floor Limit for Attended Petrol Transactions
12 Revised Standards for the Excessive Chargeback Program
18 Revised Standards for the Chip Liability Shift Program—Puerto Rico and U.S.
Virgin Islands ATM Transactions
22 Revised Standards for PayPass and QPS Transactions in Cyprus
26 MasterCard Connect Reminder—Beta and Implementation Dates
29 Reminder Notification of Temporary Suspension of Service Provider Registration
Functionality in MasterCard OnLine
31 Reversal Processing Enhancements for the Single Message System—Reminder
33 Single Message System Payment Transaction Mandate—Reminder
34 Contact Information for the MasterCard Operations Command Center
37 Revised Travel and Entertainment Merchant Standards—Update
41 Announcing the Mobile POS Program and Best Practices
44 New EMV Indicator Reporting Requirement for Location Administration Tool
48 Freeze Dates to Support Dual Message System and Single Message System
Release 13.Q2 Implementation
50 MasterCard SecureCode Member Information Contact Notification List—Reminder
52 New MasterCard SecureCode Directory Server Updates
54 MasterCard SecureCode—Change in Multiple SSL Certificates
58 Currency Addition—Offshore Chinese Renminbi
60 New Offshore Chinese Renminbi Regional Settlement Service
62 Settlement Holiday Schedule
67 Merchants Registered for the CVC 2 Validation Program
70 Recent MasterCard Publications
©2012 MasterCard. Proprietary. All rights reserved.
Production Review—Due 27 June

Enclosures
Calendar of Events
Legal Notices
2 Global Operations Bulletin No. 7, 2 July 2012


Contact Information
About This Bulletin

The monthly Global Operations Bulletin is the primary source of operations information for
MasterCard customers that submit and/or receive transactions or messages to/from the Single
Message System or the Dual Message System. Changes to MasterCard International bylaws,
rules, operating regulations, policies, or Standards announced in this bulletin with an effective
date are effective as of that date, regardless of when any such change is published in a manual
or other document. If no date is specified in the article, the change is effective immediately.
For More Information

Some articles in this bulletin include specific contacts for more information. Customers with
questions about other articles should contact their regional Help Desks or the Customer
Operations Services team in their region or in St. Louis, Missouri, USA at:
Phone: 1-800-999-0363 (in Canada and U.S. regions)

1-636-722-6176
1-636-722-6292 (Spanish language support)
Fax: 1-636-722-7192
E-mail: Canada, Latin America and the Caribbean, customer_support@mastercard.com
Europe, South Asia/Middle East/Africa, and
U.S. regions
Asia/Pacific:
Australia and New Zealand csd@mastercard.com
Brunei/Malaysia helpdesk.malaysia@mastercard.com
Cambodia/Laos/Vietnam helpdesk.indochina@mastercard.com
China, Hong Kong, and Taiwan helpdesk.gc@mastercard.com
Indonesia helpdesk.indonesia@mastercard.com
Japan/Guam helpdesk.tokyo@mastercard.com
Korea korea_helpdesk@mastercard.com
Philippines helpdesk.philippines@mastercard.com
Singapore helpdesk.singapore@mastercard.com
Thailand helpdesk.thailand@mastercard.com
Spanish language support lagroup@mastercard.com
Vendor Relations, all regions vendor.program@mastercard.com
3
Global Operations Bulletin No. 7, 2 July 2012

Revised Standards for Card Solicitations
and Linked Card Programs
Caroline Dionisio, Business Leader, Franchise Development
Suggested routing: Marketing Contact, Principal Contact
Topic(s): Debit MasterCard, Marketing, MasterCard, Rules/Standards
Applies to: P Issuers
Summary: MasterCard is clarifying its Standards relating to MasterCard

card programs that are in any way linked to a different payment
card program.
Action Indicator: M Mandate
A Attention warranted
Effective Date: Immediately
Overview
Effective immediately, MasterCard is revising its Standards to clarify and remind
customers that, absent the express prior written consent of MasterCard, an
issuer may not conduct or use solicitations in connection with a MasterCard
card program that is in any way linked to a different payment card program.
Background
In some cases, a solicitation for linked card programs may include terms that
suggest that another brand’s payment card is more advantagous to use than
a MasterCard card (for example, that the cardholder can earn more loyalty
program points or “miles” when making a purchase with the other card).
An issuer may promote another payment card brand and provide different
cardholder value propositions. A solicitation that promotes both a MasterCard
card and a different payment card as linked is not prohibited provided it
doesn’t create confusion and does not damage or create the potential for
damage to the goodwill or reputation of MasterCard or a MasterCard brand.
To enable MasterCard to assess whether such a solicitation is acceptable, a

MasterCard issuer must obtain the express prior written consent of MasterCard
before using a solicitation to promote a MasterCard card program that is in any
way linked to a different payment card program. MasterCard reserves the right
to refuse to approve or to terminate a MasterCard program and/or the use of
solicitation that reflects poorly on MasterCard or the MasterCard brand.
Revised Standards for Card Solicitations and Linked Card Programs


An issuer may notify MasterCard of a linked card program and submit sample
solicitation materials for review at the following e-mail address:
E-mail: brand_standards@mastercard.com
Overview of Revised Standards

Please review the revisions to the publications indicated in the table below and
make appropriate plans to support the revised Standards.
Effective Date Changes to Standards in… Will be Published in…
Immediately MasterCard Rules Chapter 4—Trademarks and

Service Marks
MasterCard will incorporate the revised Standards into a future edition of

these manuals. The manuals are available on MasterCard OnLine® via the
Publications product.
Revised Standards—MasterCard Rules

MasterCard will revise the MasterCard Rules to include these Standards.
Additions to the Standards are underlined. Deletions are indicated with a
strikethrough.
Chapter 4—Trademarks and Service Marks
4.2 General Rules for Use of the Mark
4.2.4 Review of Solicitations

The Corporation reserves the right to review samples and approve or refuse to
approve use of a Solicitation. Amended samples, if required as a result of this
review, also must be forwarded to the Corporation for review.
4.2.4.1 Linked Card Programs

Without the express prior written consent of the Corporation, an Issuer may
not use a Solicitation or any other application, conduct any advertisement ing,
promotion, marketing communication, offer, or the like in which connection
with a Card Program that is in any way linked to a different payment card
program.
The remainder of this section is unchanged.

Global Operations Bulletin No. 7, 2 July 2012 5

Customers with questions about the information in this article should contact
Customer Operations Services using the Contact Information provided in this
bulletin, their Regional Help Desk, or a regional Security and Risk Services
representative.


Revised Standards for POI Funding
Transactions
Caroline Dionisio, Business Leader, Global Rules and Standards
Suggested routing: Authorization Contact, Clearing Contact, Principal Contact, Programming Contact
Topic(s): Authorization, Clearing, Debit MasterCard, Maestro, MasterCard, MCC, Merchant,

Rules/Standards
Applies to: P Issuers P Acquirers P Processors
Summary: MasterCard is revising the description of card acceptor business

code (MCC) 6540 (POI Funding Transactions [Excluding
MasterCard MoneySend]).
Action Indicator: C Coding or development changes typically required
Overview
MasterCard is revising the description of MCC 6540 to clarify that this MCC may
be used to identify the following types of transactions involving the funding of
an account:
• A service in which funds are delivered or made available to a person other
than the cardholder;
• The loading of funds into an account held at a financial institution;
• The loading of funds into an account held at a merchant location (also
called an electronic wallet or “e-wallet”);
• The loading of funds onto a stored value or prepaid card (alternatively, the
primary MCC of the card acceptor may be used); and
• The acceptance of a card in direct payment of an existing debt, such as a
private label card balance or vehicle or mortgage loan payment.
Point-of-Interaction Funding Transactions

Acquirers have the following alternatives for transactions in which a merchant
accepts a MasterCard® or Maestro® card to effect the funding of an account,
whether held at a financial institution or at a merchant location (including but
not limited to the funding of an electronic wallet or “e-wallet”):
Revised Standards for POI Funding Transactions


• MCC 6540; or
• Under the Payment Facilitator model, the MCC that best describes the
primary business of the Sub-merchant selling the goods or services being
purchased.
• Until 12 October 2012, acquirers may also continue to use MCC 6529
(Remote Stored Value Load—Member Financial Institution) or MCC 6530
(Remote Stored Value Load—Merchant) to identify non-face-to-face account
funding transactions. These MCCs will be deleted effective with Release
12.Q4.
MCC 6540 may also be used to identify transactions involving the loading
or reloading of a stored value or prepaid card. Alternatively, occurring at a
merchant location, the MCC of the merchant or the MCC that most accurately
describes the primary use of the card (for example, the purchase of commuter
rail tickets) may be used.
Notwithstanding the foregoing, the following specific MCCs must be used for
the funding of an account used for:
• Gambling transactions (MCC 7995 must be used);
• Videotext transactions (MCC 5967 must be used);
• The sale of any prescription drug (MCC 5122 or MCC 5912 must be used); or
• The sale of any tobacco product (MCC 5993 must be used).
For funding transactions occurring via the MasterCard MoneySend platform,

MCC 6538 (MasterCard® MoneySend™ Funding) must be used.
For more information about the Payment Facilitator model, refer to chapter
5 of the MasterCard Rules manual or the article “Revised Standards for the
Payment Facilitator Model,” in Global Operations Bulletin No. 4, 1 April 2010.

Immediately Quick Reference Booklet Chapter 3—Card Acceptor

Business Codes (MCCs)
MasterCard will incorporate the revised Standards into a future edition of this
manual. The manual is available on MasterCard OnLine® via the Publications
product.


Revised Standards—Quick Reference Booklet
MasterCard will revise the Quick Reference Booklet to include these Standards.
strikethrough.
Chapter 3—Card Acceptor Business Codes (MCCs)
MCC 6540—POI Funding Transactions (Excluding MasterCard® MoneySend™)
TCC R for face-to-face transactions.

T for non-face-to-face transactions.
MCC Identifies a transaction conducted by a card acceptor providing any

Description of the following services:
• A service in which funds are delivered or made available to a
person other than the cardholder;
• The loading of funds into a deposit account held at a member
customer financial institution;
• The loading of funds into an account held at a merchant location
(also called an electronic wallet or “e-wallet”);
• The loading of funds onto a stored value or prepaid card
(alternatively, the MCC used to identify the primary business of
the merchant performing such service may be used).
• The acceptance of a card in direct payment of an existing debt,
such as a private label card balance or vehicle or mortgage loan
payment.
MCC 6540 may not be used to identify any sale other than as
described, including, by way of example and not limitation: gambling
transactions (MCC 7995 must be used); videotext transactions (MCC
5967 must be used); the sale of any prescription drug (MCC 5122 or
MCC 5912 must be used); or the sale of any tobacco product (MCC
5993 must be used).
The identity and location of the card acceptor must be included in
the card acceptor descriptor record as the site where the transaction
was effected.
Any fee charged, whether or not it is included in the total transaction
amount, must be disclosed clearly to the cardholder before the
transaction is completed.

representative.


Revised U.K. Chip Floor Limit for
Attended Petrol Transactions
Crystal Johnson, Business Leader, Franchise Development
Suggested routing: Chargeback Contact, Acquiring Contact, Rules Contact
Topic(s): Debit MasterCard, Dual Message System, Maestro, MasterCard, Rules/Standards, Single
Message System
Summary: The chip floor limit for attended petrol transactions in the U.K.
has been increased to GBP 90. This revision applies for all card
types—MasterCard®, Debit MasterCard®, and Maestro®.
Effective Date: 1 July 2012
Background
The chip floor limit for attended petrol transactions in the U.K. (card acceptor
business code [MCC] 5541—Service Stations), previously set at GBP 45, has
been increased to GBP 90. This increase applies for both domestic and
cross-border transactions and for MasterCard, Debit MasterCard, and Maestro
cards. Transaction amounts less than or equal to GBP 90 may be authorized
offline by the chip, if the issuer has programmed the chip to permit offline
authorization. Transactions above GBP 90 must be authorized online.
The floor limits for non-chip transactions, including magnetic stripe

transactions, PAN-key entered transactions and technical fallback transactions,
are unchanged. For such transactions a floor limit of zero applies at online
capable terminals, unless there has been a telecommunications or terminal
failure. In case of such a failure, a floor limit of GBP 45 applies. The acquirer
must be able to provide an affidavit confirming the failure if it intends to rely
on the GBP 45 floor limit.

Please review the revisions to the publication indicated in the table below and

1 July 2012 Quick Reference Booklet Chapter 5—Floor Limit Charts
Revised U.K. Chip Floor Limit for Attended Petrol Transactions


product.
Revised Standards—Quick Reference Booklet

MasterCard will revise the Quick Reference Booklet to include these Standards.
strikethrough.
Chapter 5—Floor Limit Charts
United Kingdom GBP Floor Limit

MasterCard
MasterCard Maestro and Maestro Other
Merchant Interregional Interregional Intra-European MasterCard
Category MCC Chip Chip Chip Transactions
Service 5541 45 90 200 45 90 45
Stations

Customers with questions about this revision may contact Customer Operations
Services using the Contact Information in this bulletin.
Revised U.K. Chip Floor Limit for Attended Petrol Transactions


Revised Standards for the Excessive
Chargeback Program
Nicole Katzman, Program Leader, Customer Performance Integrity
Suggested routing: Chargeback Contact, Compliance Contact, Risk Management Contact, Rules
Contact, Security Contact
Topic(s): Chargebacks, Dual Message System, Fraud/Risk, Rules/Standards, Security, Single

Message System
Applies to: P Acquirers P Processors
Summary: MasterCard is changing the Excessive Chargeback

Program (ECP) thresholds and revising the definitions
for Chargeback-Monitored Merchants (CMMs), Excessive
Chargeback Merchants (ECMs), and Merchant.
F Financial impact
R Customer must register to have access to product or

service
Effective Date: The revised Merchant definition is effective immediately.

The revised ECP thresholds become effective 4 August 2012.
Background
The Excessive Chargeback Program (ECP) is intended to encourage each
acquirer to closely monitor, on an ongoing basis, its chargeback performance at
the merchant level and to determine promptly when a merchant has exceeded,
or is likely to exceed, monthly chargeback thresholds. There are two types
of ECP identification:
• Chargeback-Monitored Merchants (CMMs)
• Excessive Chargeback Merchants (ECMs)
MasterCard is changing the current ECP thresholds related to the identification

of both CMMs and ECMs.
Revised Standards for the Excessive Chargeback Program


The Chargeback-to-Transaction Ratio (CTR), a primary factor in ECP merchant
identification, is defined as the number of MasterCard chargebacks received
by the acquirer for a merchant in a calendar month divided by the number of
the merchant’s MasterCard sales transactions in the preceding month acquired
by that acquirer. A CTR of 1 percent equals 100 basis points, and a CTR of
1.5 percent equals 150 basis points.
Revisions to ECP Definitions

Effective immediately, MasterCard clarifies that a Merchant, for the purposes of
the ECP, is defined as any distinct merchant location, whether a merchant's
physical location or a merchant's Internet site or uniform resource locator
(URL), that is identified by a distinct billing descriptor by the acquirer in the
transaction record.
Effective 4 August 2012, MasterCard will revise the definitions for CMMs and
ECMs as described below. All merchant data reported to the ECP after the
effective date will be subject to the new criteria.
Chargeback-Monitored Merchant (CMM)

MasterCard is revising the definition of a CMM by changing the thresholds for
CMM identification from a CTR in excess of 50 basis points and at least 50
chargebacks in a calendar month to a CTR in excess of 100 basis points and at
least 100 chargebacks in a calendar month.
Excessive Chargeback Merchant (ECM)

MasterCard is revising the definition of an ECM by changing the thresholds for
ECM identification from a minimum CTR of 100 basis points and at least 50
chargebacks in each of two consecutive calendar months to a minimum CTR
of 150 basis points and at least 100 chargebacks in each of two consecutive
calendar months.

Immediately and Security Rules and Procedures Chapter 8—Merchant Fraud

4 August 2012, as Control Programs
indicated
product.


Revised Standards—Security Rules and Procedures
Effective immediately, MasterCard will revise the Security Rules and Procedures
to include these Standards. Additions to the Standards are underlined.
Deletions are indicated with a strikethrough.
Chapter 8—Merchant Fraud Control Programs
8.3 Excessive Chargeback Program
8.3.1 Definitions
The following terms used in the ECP have the meanings set forth below.
Merchant—A Merchant is defined as any distinct Merchant location, whether a

Merchant’s physical location or a Merchant’s Internet site or uniform resource
locator (URL) that is uniquely identified by a distinct billing descriptor by the
Acquirer in the Transaction record.
Revised Standards—Security Rules and Procedures

Effective 4 August 2012, MasterCard will revise the Security Rules and
Procedures to include these Standards. Additions to the Standards are
underlined. Deletions are indicated with a strikethrough.
Chapter 8—Merchant Fraud Control Programs
8.3 Excessive Chargeback Program
8.3.1 Definitions
The following terms used in the ECP have the meanings set forth below.
Chargeback-to-Transaction Ratio (CTR)—The CTR is the number of MasterCard

chargebacks received by the Acquirer for a Merchant in a calendar month
divided by the number of the Merchant’s MasterCard sales Transactions in the
preceding month acquired by that Acquirer. (A CTR of 1% equals 100 basis
points, and a CTR of 1.5% equals 150 basis points.)


Chargeback-Monitored Merchant (CMM)—A CMM is a Merchant that has a
CTR in excess of 50 100 basis points and at least 50 100 chargebacks in a
calendar month.
Excessive Chargeback Merchant (ECM)—A Merchant is an ECM if in each of

two consecutive calendar months (the “trigger months”), the Merchant has a
minimum CTR of 100 150 basis points and at least 50 100 chargebacks in each
month. This designation is maintained until the ECM’s CTR is below 100 150
basis points for two consecutive months.
8.3.3.1 ECP Assessment Calculation

MasterCard determines an Acquirer’s liability for the monthly Issuer
reimbursement fees and assessments for each ECM as set forth below.
MasterCard calculates the Issuer reimbursement fees in the following steps 1,
2, and 3, and calculates the violation assessment in step 4.
1. Calculate the CTR for each calendar month that the ECM exceeded a CTR
of 100 150 basis points (which may also be expressed as 1.5% or 0.015).
2. From the total number of chargebacks in the above CTR calculation,
subtract the number of chargebacks that account for the first 100 150 basis
points of the CTR. (This amount is equivalent to one 1.5 percent of the
number of monthly sales Transactions used to calculate the CTR.) The result
is the number of chargebacks above the threshold of 100 150 basis points.
3. Multiply the result from step 2 by USD 25. This is the Issuer reimbursement.
4. Adjust the result in step 3 to reflect the extent that the Acquirer has
exceeded the 100 150 basis points threshold by multiplying the value in
step 3 by the CTR (expressed as basis points). Divide this result by 100.
This amount is the violation assessment.
Repeat steps 1–4 for each calendar month (other than the first trigger month)
that the ECM exceeded a CTR of 100 150 basis points or one 1.5 percent.
Example: The Acquirer for Merchant ABC acquired MasterCard sales

Transactions and chargebacks over a six-month period as follows:
Month January February March April May June July

Sales 95,665 95,460 95,561 95,867 95,255 95,889 95,758
Transactions
Chargebacks 720 1,050 1003 1,467 1301 1,635 1256 1,556 1175 1,495 923 1,052 824 985
CTR in basis — 105 153 136 171 131 163 123 156 97 110 86 103
points


February and March are the trigger months, as these are two consecutive
months where the CTR exceeded 100 150 basis points. At the end of July,
Merchant ABC was no longer an ECM as its CTR was below 100 150 basis
points for two consecutive months. MasterCard calculates assessments and
Issuer reimbursements for each of the months March through July.
For example, the assessment for April (using March sales Transactions and
April chargeback volumes) is calculated as follows:
• The CTR = April chargebacks/March sales Transactions = 1,256 1,556/95,561
= 0.01314 or 131 0.01628 or 163 basis points (rounded)
• The number of chargebacks in excess of the 100 150 basis points is
determined by subtracting one 1.5 percent of the March sales Transactions
from the number of April chargebacks. One 1.5 percent of the March sales
Transactions (95,561 x 0.015) is 1,433. 1256 – 956 = 300 1,556 – 1,433 =
123 chargebacks
• The Issuer reimbursement for April is 300 x USD 25 = USD 7,500 123 x
USD 25 = USD 3,075
• The violation assessment is (USD 7,500 x 131)/100 or 982,500/100 = USD
9,825 (USD 3,075 x 163)/100 or 501,225/100 = USD 5,012.25
Using this methodology, the Issuer reimbursement fees and assessments for
the Acquirer for Merchant ABC are as follows.
Month Issuer Reimbursement Assessment Total

February 0 0 0
(first trigger
month)
March USD 8,650 USD 5,075.00 USD 11,764 USD 8,678.25 USD 20,414 USD 13,753.25
(second trigger
month)
April USD 7,500 USD 3,075.00 USD 9,825 USD 5,012.25 USD 17,325 USD 8,087.25
May USD 5,400 USD 1,425.00 USD 6,642 USD 2,223.00 USD 12,042 USD 3,648.00
June 0 0 0
July 0 0 0
Total USD 21,550 USD 9,575.00 USD 28,231 USD 15,913.50 USD 49,781 USD 25,488.50
The remainder of this chapter is unchanged.


Customers with questions about the ECP should refer to Chapter 8 of the
Security Rules and Procedures manual.
For further assistance regarding the revisions described above, send an e-mail
message to:
ECP Help
E-mail: ecp_help@mastercard.com
Or contact:
Nicole Katzman
Program Leader, Customer Performance Integrity
Phone: 1-914-249-5493
E-mail: nicole_katzman@mastercard.com


Revised Standards for the Chip Liability
Shift Program—Puerto Rico and U.S.
Virgin Islands ATM Transactions
Caroline Dionisio, Business Leader, Franchise Development
Suggested routing: Chargeback Contact, Chip Technology Contact, Principal Contact, Programming
Contact
Topic(s): Chargebacks, Chip, Rules/Standards
Summary: MasterCard is delaying the participation date of Puerto Rico

and the U.S. Virgin Islands in the Global Chip Liability Shift
Program with respect to interregional ATM transactions. The
participation date is changing from 12 October 2012 to 19
April 2013.
Action Indicator: F Financial impact
C Coding or development changes typically required
12 October 2012—Puerto Rico and the U.S. Virgin Islands

will join the Global Chip Liability Shift Program effective
for interregional MasterCard and Maestro POS transactions
occurring on or after this date
Effective Date:
19 April 2013—Puerto Rico and the U.S. Virgin Islands will
join the Global Chip Liability Shift Program effective for
interregional MasterCard, Maestro, and Cirrus ATM transactions
occurring on or after this date
Overview
MasterCard is revising the date on which Puerto Rico and the U.S. Virgin
Islands will participate in the Global Chip Liability Shift Program with respect
to interregional MasterCard, Maestro and Cirrus ATM transactions.
Puerto Rico and the U.S. Virgin Islands will now join the Global Chip Liability
Shift Program effective for interregional ATM transactions occurring on or
after 19 April 2013.
With respect to interregional MasterCard and Maestro point-of-sale (POS)

transactions, Puerto Rico and the U.S. Virgin Islands will join the Global Chip
Liability Shift Program effective for interregional MasterCard and Maestro POS
transactions occurring on or after 12 October 2012.
Revised Standards for the Chip Liability Shift Program—Puerto Rico and U.S. Virgin Islands ATM Transactions

Immediately Chargeback Guide Chapter 5—ATM Message

Reason Codes—Single Message
System MasterCard, Maestro, and
Cirrus
Appendix
A—Chargebacks—MasterCard
Europe ATM Transactions (Cirrus
and MasterCard)
Appendix
B—Chargebacks—Maestro Cards
product.
Revised Standards—Chargeback Guide

MasterCard will revise the Chargeback Guide to include these Standards.
strikethrough.
Chapter 5—ATM Message Reason Codes—Single Message

System MasterCard, Maestro, and Cirrus
5.1.1 Chip Liability Shift Program
Chip Liability Shift Program for Interregional Transactions

The following countries Effective for ATM
and territories transactions dated on or
In this region... participate... after...
Latin America and the Brazil, Colombia, 12 October 2012
Caribbean region Venezuela
Puerto Rico and U.S. Virgin 19 April 2013
Islands
Mexico 1 September 2014
All others 12 October 2012

Appendix A—Chargebacks—MasterCard Europe ATM
Transactions (Cirrus and MasterCard)
A.3.9 Message Reason Code 4870—Chip Liability Shift
A.3.9.1 Proper Use of Message Reason Code 4870

The following countries
and territories Effective for transactions
In this region... participate... dated on or after...
Latin America and the All except Mexico, Puerto 12 October 2012
Caribbean region Rico, and U.S. Virgin
Islands
Islands
Appendix B—Chargebacks—Maestro Cards
B.2.13 Interregional Message Reason Code 4870—Chip Liability

Shift
B.2.13.1 Proper Use of Interregional Message Reason Code 4870

The following countries Effective for Maestro
and territories ATM transactions dated
In this region... participate... on or after...
Latin America and the Brazil, Colombia, 12 October 2012
Caribbean region Venezuela
Islands
All others 12 October 2012
The remainder of this manual is unchanged.

representative.

Revised Standards for PayPass and QPS
Transactions in Cyprus
Philip Collins, Program Leader, Law and Franchise Integrity
Suggested routing: Authorization Contact, Chargeback Contact
Topic(s): Authorization, Chargebacks, Debit MasterCard, Maestro, MasterCard, Rules/Standards
Summary: MasterCard is decreasing the Maestro PayPass ceiling limits

and MasterCard PayPass and Quick Payment Service (QPS)
chargeback protection amounts from EUR 25 to EUR 20 for
transactions occurring at merchant locations in Cyprus.
Action Indicator: F Financial impact
Effective Date: Transactions occurring on or after 12 October 2012
Background
Effective for transactions occurring on or after 12 October 2012, MasterCard
is reducing Maestro PayPass ceiling limits, MasterCard PayPass (including
post-authorized aggregated PayPass Transit), and Quick Payment Service
(QPS) chargeback protection amounts for transactions occurring at merchant
locations in Cyprus from EUR 25 to EUR 20.
MasterCard will include these changes in Integrated Product Messages (IPM)

Member Parameter Extract (MPE) file table number IP0058T1 (QPS and
PayPass Chargeback Protection Amounts) containing QPS and MasterCard
PayPass chargeback protection amounts.

Revised Standards for PayPass and QPS Transactions in Cyprus


Transactions Chargeback Guide Appendix C—Chargeback
occurring on or after Protection Amounts
12 October 2012
Transactions Maestro Global Rules Chapter 9—Processing
occurring on or after Requirements
12 October 2012
MasterCard will incorporate the revised Standards into a future edition of

these manuals. The manuals are available on MasterCard OnLine® via the
Publications product.
Revised Standards—Chargeback Guide

MasterCard will revise the Chargeback Guide to include these Standards.
strikethrough.
Appendix C—Chargeback Protection Amounts
Chargeback Protection Amount by Geographical Areas

Cyprus
Product MCC Merchant Category EUR
PayPass All All 25
20
Post-Authorized Aggregated 4111 Transportation—Suburban and Local 25
PayPass Transit Commuter, Passenger, Including Ferries 20
Post-Authorized Aggregated 4131 Bus Lines 25
PayPass Transit 20
QPS 5411 Grocery Stores, Supermarkets 25
20
QPS 5499 Miscellaneous Food Stores—Convenience 25
Stores, Markets, and Specialty Stores 20
QPS 5541 Service Stations (with or without Ancillary 25
Services) 20
QPS 5735 Record Shops 25
20
QPS 5814 Fast Food Restaurants 25
20


QPS 5912 Drug Stores, Pharmacies 25
20
QPS 5942 Book Stores 25
20
QPS 5994 News Dealers and Newsstands 25
20
QPS 7216 Dry Cleaners 25
20
QPS 7523 Automobile Parking Lots and Garages 25
20
QPS 7832 Motion Picture Theaters 25
20
QPS 7841 Video Entertainment Rental Stores 25
20
Revised Standards—Maestro Global Rules

Effective immediately, MasterCard will revise the Maestro Global Rules to
include these Standards. Additions to the Standards are underlined. Deletions
are indicated with a strikethrough.
Chapter 9—Processing Requirements
9.13 Ceiling Limit Guidelines (Maestro PayPass POS Transactions)

Geographic Location Ceiling Limit Amount Ceiling Limit Currency
Cyprus 25 EUR
20


Customers with questions about these revised Standards should contact:
Philip Collins
Program Leader, Law and Franchise Integrity
Phone: 1-914-249-2282
Fax: 1-914-249-4434
E-mail: philip_collins@mastercard.com


MasterCard Connect Reminder—Beta
and Implementation Dates
Carolyn Curtis, Senior Business Leader, Global Digital Marketing
Suggested routing: Authorization Contact, Clearing Contact, Compliance Contact, Principal Contact,
Risk Management Contact, Security Contact
Topic(s): MasterCard OnLine
Summary: The MasterCard Connect™ beta is now open for all customers
to sign in and test. MasterCard Connect is targeted to replace
MasterCard OnLine® on 20 August. This article includes
information about signing in and testing MasterCard Connect
and where you can find detailed information about the
MasterCard Connect implementation.
R Member must register to have access to product or

service
Effective Date: 20 August 2012—MasterCard Connect targeted to replace

MasterCard OnLine
Overview
As announced in previous Global Operations Bulletins, MasterCard Connect
will replace MasterCard OnLine. The MasterCard Connect beta is now open
for all customers to sign in and test. On 20 August, MasterCard Connect is
targeted to be fully implemented, replacing MasterCard OnLine. At that time,
the www.mastercardonline.com address will redirect to the new MasterCard
Connect URL and users will access all applications through MasterCard Connect.
MasterCard Connect Reminder—Beta and Implementation Dates


Signing In and Testing MasterCard Connect
To sign in to MasterCard Connect:
1. Using one of the required browsers, go to MasterCard
Connect: www.mastercardconnect.com.
2. Sign in using your current MasterCard OnLine User ID and Password (or
PIN + SecurID).
3. Check to make sure that you can access all of the applications that you
accessed through MasterCard OnLine. The applications under the My
Products menu in MasterCard OnLine will be listed under the Applications
menu in MasterCard Connect.
4. If you had access to Bulletins and Publications through MasterCard OnLine,

check to see that you have access through MasterCard Connect. Bulletins
and Publications are under the Library menu in MasterCard Connect.


If you had access to Bulletins and Publications through MasterCard OnLine,
check to see that you have access through MasterCard Connect. Bulletins and
Publications are under the Library menu in MasterCard Connect.
Additional Resources
Please visit the MasterCard Connect Information Center at:
Web Site:
https://mbe2stl101.mastercard.net/hsm3ca267/homememb/library/shared/MCIC/Menu_MCIC.shtm.
The Information Center contains information that will help you with the
MasterCard Connect implementation, including
• Feature descriptions
• System requirements
• User and company management information
• Training videos
• Presentation from the May 2012 Tactical Forums in St. Louis and Dublin
• Firewall rules as they apply to MasterCard Connect
• Frequently asked questions

Customers with questions about MasterCard Connect should contact the
Customer Operations Services team using the Contact Information provided in
this bulletin.


Reminder Notification of Temporary
Suspension of Service Provider
Registration Functionality in MasterCard
OnLine
Craig Roberts, Business Leader, Franchise Development
Suggested routing: Compliance Contact, Principal Contact
Topic(s): MasterCard OnLine
Applies to: P Acquirers P Processors
Summary: Due to upgrades being made to the system by which customers

access various MasterCard programs, the Service Provider
Registration functionality will be temporarily suspended for a
short time beginning on 20 July 2012.
Action Indicator: R Customer must register to have access to product or

service
Effective Date: 20 July 2012
Background
MasterCard Service Provider Registration is a mandatory Program for all
licensed customers of MasterCard to electronically register Service Providers
using the MasterCard Registration Program (MRP) system available via
MasterCard OnLine®. MasterCard OnLine participation in MRP helps to ensure
the awareness of all participants touching cardholder data or involved in the
cardholder’s transaction experience. In addition, participation allows for the
early detection of abnormal activity, compromise mapping, chargeback, and
other fraud trends.
Temporary Suspension of Service Provider

Registrations
MasterCard is changing the way its customers access various programs.
MasterCard OnLine will be replaced by the more efficient and user friendly
MasterCard Connect™. As previously communicated, the new portal is targeted
to be available on 20 August 2012.
Reminder Notification of Temporary Suspension of Service Provider Registration Functionality in MasterCard

OnLine
29

As a result of the work being done to upgrade the systems, customers will be
unable to submit new Service Provider registrations after 21 July 2012 until the
new MasterCard Connect system is operational 20 August 2012. All previously
submitted complete registrations will be processed and approved before 8
August 2012. Any pending registrations awaiting Payment Card Industry (PCI)
compliance certification must be completed by 20 July 2012. Any submissions
not completed by this date will be declined and must be resubmitted by the
customer. Should a customer attempt to register a Service Provider during the
time that the registration functionality is suspended, the following message
will be displayed:
“The SP Registration functionality is currently suspended in this application.

This functionality will be available via “Business Administration (Register &
Provision a Company)” Application with the General Availability of MasterCard
Connect. Business Administrator(s) can access this application via MasterCard
Connect Store subsequently.”
All other registration processes will not be affected during this

suspension. Customers should continue to register all high-risk merchants,
point-of-interaction (POI) merchants, and so on, as usual.

Customers with questions about the information contained in this article
should contact Customer Operations Services using the Contact Information
provided in this bulletin, their regional Help Desk, or a regional Security and
Risk Services representative.
Reminder Notification of Temporary Suspension of Service Provider Registration Functionality in MasterCard

OnLine
30

Reversal Processing Enhancements for
the Single Message System—Reminder
Brad Tomchek, Business Leader, Global Network Products
Suggested routing: Authorization Contact, Programming Contact
Topic(s): Authorization, Debit MasterCard, Single Message System
Applies to: P Issuers P Processors
Summary: MasterCard is reminding issuers that process transactions using

the Single Message System of the recent 12.Q2 release project
Global 405—Reversal Processing Enhancements for the Single
Message System.
Action Indicator: A Attention warranted
Effective Date: In effect
Overview
In Single Message System Release 12.Q2, the article Global 405—Reversal
Processing Enhancements for Single Message System, enabled reversals that
are outside of the settlement cycle cut-off date to be sent to issuers for Maestro
and Cirrus transactions.
Additionally, issuers processing on the Single Message System that want to

receive Debit MasterCard reversals outside of the settlement cycle cut-off
date can receive them if they can process the reversals correctly and without
adversely affecting cardholder balances, based on the combination of
the following data element values that exist within the Acquirer Reversal
Advice/0420 messages.
• Data element (DE) 60 (Advice Reason Code), subfield 1 (Advice Reason
Code), code 490 (Adjustment)
• DE 60 (Advice Reason Code), subfield 2 (Advice Reason Detail Code),
code 0010 (Adjustment)
• DE 61 (POS Data)
• DE 63 (Network Data)
Reversal Processing Enhancements for the Single Message System—Reminder


MasterCard highly recommends that customers test within MasterCard Test
Facility before opting in for this feature.

Customers with additional questions or issuers processing on the Single
Message System that want to receive Debit MasterCard reversals outside the
settlement cycle cut-off date should contact the Customer Operations Services
team using the Contact Information provided in this bulletin.
Reversal Processing Enhancements for the Single Message System—Reminder


Single Message System Payment
Transaction Mandate—Reminder
Brad Tomchek, Business Leader, Global Network Products
Suggested routing: Authorization Contact, Principal Contact
Topic(s): Cirrus, Debit MasterCard, Maestro, Single Message System
Applies to: P Issuers P Processors
Summary: MasterCard is reminding issuers of their requirement to support

Payment Transactions.
Payment Transaction Reminder

MasterCard is reminding issuers that use the Single Message System of their
obligation to support Payment Transactions on their host systems.
Customers connected to the Single Message System must have their systems
configured to support Payment Transactions. However, they are not obligated
as issuers to provide that transaction type to cardholders
MasterCard reminds issuers of the various Standards defining their obligations

to support Payment Transactions as listed:
• Section 9.2.1, “Issuer Online POS Transactions” of the Maestro Global Rules.
• “Payment Transaction Mandate” in Chapter 9—Authorization Services
Details of the Authorization System Manual

Customers with questions about this article should contact Customer
Operations Services using the Contact Information provided in this bulletin.
Single Message System Payment Transaction Mandate—Reminder


Contact Information for the MasterCard
Operations Command Center
Tom Larner, Senior Business Leader, Operations Command Center
Dave Williams, Senior Business Leader, Operations Command Center
Suggested routing: Data Center Contact, Operations Contact
Topic(s): Single Message System, Dual Message System, MasterCard OnLine
Summary: This article provides updated contact information for the

MasterCard Operations Command Center.
Overview
Effective immediately, customers should use the following phone numbers to
contact the MasterCard Operations Command Center, 24 hours a day, seven
days a week.
Region/Country Phone Number

U.S. region and all others 1-636-722-6220
U.S. region and all others 1-800-358-3060
Australia 61-2-9466-3737
Brazil 08008921612
Europe 32-2-352-5832
Hong Kong 800-96-5285
Indonesia 001-803-1-360-6242
Korea 00798-11-360-8242
Malaysia 1-800-80-7904
Mexico 95-800-358-3060
Philippines 1-800-1-111-0540
Singapore 800-1100-116
Contact Information for the MasterCard Operations Command Center


Region/Country Phone Number
Thailand 001-800-11-360-6642
Taiwan 0080-10-3591
United Kingdom 0800-7310436
MasterCard uses a Voice Response Unit (VRU) that allows customers to directly
contact the area from which they need assistance. The VRU is an automated
phone system that guides callers to a particular area of expertise using the
following voice prompts.
VRU Prompts
Option Description
1 Dial an Extension
2 Network Support such as MIP Support or Stand-In Support
3 Single Message System Application Support
4 File Transfer Operations

5 Unix Operations
6 Production Control
7 Australian Processing Center, MasterCard Internet Gateway Service,
or MasterCard OnLine® Authentication Services
8 Mainframe Operations
For Notification of Planned Maintenance Activity or

General Inquiries
For non-urgent notifications of scheduled maintenance activity or for general
inquiries, please contact the Operations Command Center by sending an
e-mail message to:
E-mail: occ@mastercard.com
Please include the planned maintenance begin date/time and end date/time,
the MasterCard “site code” (for example, eBEL990), the MasterCard Interface
Processors that are impacted, and any traffic routing instructions you require
the MasterCard Operations Command Center to perform.


Escalations
For immediate escalations, please contact the Operations Command Center
Manager on Duty by using one of the contact numbers above. If less urgent,
please send an e-mail message to:
E-mail: occ_management_team@mastercard.com

Customers with questions about the information contained in this article can
contact:
Dave Williams
Senior Business Leader, Operations Command Center
Phone: 1-816-243-4680
E-mail: david_williams@mastercard.com


Revised Travel and Entertainment
Merchant Standards—Update
Glen McMillin, Business Leader, Global Network Products
Suggested routing: Authorization Contact, Chargeback Contact, Clearing Contact, Compliance Contact,
Programming Contact
Topic(s): Authorization, Clearing, Debit MasterCard, Dual Message System, IPM, MasterCard,
Merchant, Pricing/Fees, Rules/Standards, Single Message System
Summary: This article announces updates to travel and entertainment

Standards formerly announced to be effective with the 12.Q4
release. MasterCard has elected to defer until the 13.Q4 release.
F Financial impact
Effective Date: 18 October 2013
Overview
MasterCard announced processing Standards for the Travel and Entertainment
(T&E) merchant categories in June 2011. These Standards address the
challenges of associating multiple authorization transactions to a single clearing
record on the dual message platform. The Standards are global. The capability
of using the new Standards became available with Release 12.Q2.
The Standards referenced here are a component of the Authorization Precision

Initiative, announced in Global Operations Bulletin No. 6, 1 June 2011. The
specifications were included in the 12.Q2 release documentation (Global
501—Authorization Precision Initiative—Travel and Entertainment Processing).
An update to that documentation, published on 9 May 2012 on the Release
Information Center, contained three important updates:
Revised Travel and Entertainment Merchant Standards—Update


• Guidance on reversal management for transactions with incremental
authorizations is under review and will be published as soon as possible
• Reversals for the specific T&E card acceptor business codes (MCCs) must
be submitted within 20 days instead of the 24 or 72 hours specified for all
other reversals.
• The inclusion of the specific MCCs in the U.S. reversal mandate will be
deferred from 12.Q4 to the 13.Q4 release.
Enhancements for Travel and Entertainment

Categories
The focus of this newly available functionality is specific MCCs in the T&E
industry. It is a common practice across all regions to submit multiple
authorizations and finalize them through a single clearing record. Formerly,
there was no certain method for issuers to associate these multiple
authorizations with the single clearing record.
To directly address this issue, Standards were introduced for merchants in the
car rental, lodging, and cruise line MCCs listed in the “Defined Standards for
Travel and Entertainment Transactions” section of this article. The functional
capability of associating multiple authorizations together was introduced with
the 12.Q2 release. Effective with the 13.Q4 release, this is to be considered a
standard for all transactions of this nature. These Standards will enable issuers
to match all authorizations resulting from one T&E event to a single clearing
record. The Standards will be optional for other merchant categories that may
submit multiple authorizations per transaction, such as goods rental businesses.
Also, due to the unique nature of these transactions, these merchant

categories were specifically excluded from the U.S. Region Authorization
Reversal Mandate. The Incremental Travel and Entertainment specification
Standards mandate will allow these merchant categories to be included in
the Authorization Reversal Mandate.
All acquirers are encouraged to initiate activities to adapt to these Standards

and deploy them as needed to affected merchants at their earliest possible
convenience but no later than the 13.Q4 release.
NOTE
More Information about the Authorization Reversal Mandate can be found in the article
“MasterCard Processing Integrity Fee” published in U.S. Region Pricing Bulletin No. 2, 1 February
2011. The bulletin is available in the Publications product on MasterCard OnLine®.


Defined Standards for Travel and Entertainment
Transactions
MasterCard engaged representatives from each of the parties in payment
transaction including merchants, acquirers, processors and issuer to arrive
at a solution that was effective at addressing the needs of all participants in
the value chain and will address the cardholder open-to-buy issue present in
the current T&E processing practices.
Each incremental transaction associated with a single cardholder event must

reference the original authorization. When the incremental (additional)
authorization is sent for the same T&E transaction, the acquirer must include
Trace ID, in Data Element (DE) 48 (Additional Data—Private Use), subfield 63.
DE 48, subelement 63 will contain the following, populated with DE 63 and
DE 15 from the original authorization:
• Positions 1–3 = DE 63, subfield 1 (Financial Network Code)
• Positions 4–9 = DE 63, subfield 2 (Banknet Reference Code)
• Positions 10–13 = DE 15 (Date, Settlement)
• Positions 14–15 = Contains spaces if the subfield is customer provided or
01 if it is system generated.
The First Presentment/1240 message submitted by the acquirer must include

the Trace ID from the original authorization in DE 63, subfield 2. Upon
receipt of the clearing record, the issuer must release holds related to any
authorizations for the transaction.
The merchant categories in scope of this standard are:

• MCCs 3351–3441 (Car Rental Agencies)
• MCCs 3501–3999 (Lodging—Hotels, Motels, Resorts)
• MCC 4411 (Cruise Lines)
• MCC 7512 (Automobile Rental Agency—not elsewhere classified)
Reversal Management
MasterCard has provided guidance on how to manage reversals for transaction
events that included incremental authorizations in the 12.Q2 Release.
MasterCard is investigating the feasibility of simplifying this process and will
communicate this in a future Global Operations Bulletin once determined.


Customers with questions about these travel and entertainment updates should
contact:
Glen McMillin
Business Leader, Global Network Products
Phone: 1-636-722-6184
E-mail: glen_mcmillin@mastercard.com


Announcing the Mobile POS Program
and Best Practices
John Verdeschi, Senior Business Leader, Mobile
Suggested routing: Authorization Contact, Chargeback Contact, Chip Technology Contact, Clearing
Contact, Programming Contact, Rules Contact, Security Contact
Topic(s): Mobile
Summary: MasterCard launched a Mobile Point-of-Sale (Mobile POS)

program and published a best practices guide for Mobile POS
providers. The best practices guide is targeted to Mobile
POS solution vendors, service providers, payment facilitators,
merchants, and acquirers, but may be useful for any entity
interested in the Mobile POS business.
Action Indicator: I Informational only (no action required)
Effective Date: Available now
Background
Mobile devices provide users with an ever expanding set of functions including
music, gaming, digital imaging, global positioning systems, social networking,
Internet browsing, e-mail, and messaging, among others. Not surprisingly,
mobile devices are widely expected to have a significant impact on the
electronic payment industry.
Mobile POS is a promising new technology that permits merchants, small and
large, to accept card payments using a mobile phone or tablet device.
The MasterCard Mobile POS Program

The MasterCard Mobile POS Program encourages Mobile POS solution
providers to build products and services that meet the guidelines of MasterCard.
The Mobile POS Program will include a registration and self-certification
process for vendors. Mobile POS solutions that meet the best practices of
MasterCard will be listed on the MasterCard Web site.
The MasterCard Mobile Point-of-Sale Best Practices Guide provides best

practices for solutions that allow mobile devices to be used as a merchant
POS terminal to facilitate the capture of MasterCard payment transaction data.
Mobile devices are defined as consumer-oriented, multi-purpose, mobile
computing platforms including, but not limited to, basic feature phones, smart
phones, tablets, and personal digital assistants (PDAs).
Announcing the Mobile POS Program and Best Practices


In general, mobile POS solutions have a lower total cost of ownership and
are simple to deploy. As a result, mobile POS solutions are being adopted
by small businesses such as trades people and street vendors that have
typically operated on a cash and invoice only basis and have never accepted
payment cards in the past. Additionally, due to the relative ease of developing
smart phone and tablet applications, there are broader possibilities to add
applications that enhance the payment experience and create solutions that are
appealing to taxi cabs, small retailers, and even large retail chains.
The MasterCard Mobile Point-of-Sale Best Practices Guide provides a solid

foundation for those developing and deploying solutions in this relatively new
acceptance channel to ensure the confidentiality of consumer credentials,
while maintaining cardholder trust. Adherence to these best practices will
allow acceptance of cards at the mobile POS to grow while ensuring a
consumer payment experience that is simple, safe and consistent with other
acceptance channels.
The MasterCard Mobile Point-of-Sale Best Practices Guide covers the following
topics:
• Display of the MasterCard Acceptance Mark
• Sales Receipts
• Cardholder Verification Methods
• Mobile POS Payment Application Security
• Security for Data Captured by an Mobile POS accessory
• Security of Personal Account Numbers
• Considerations for EMV Chip Transactions
The MasterCard Mobile Point-of-Sale Best Practices Guide is available at:
Web Site:
www.mastercard.com/us/company/en/docs/MasterCard_Mobile_Point_Of_Sale_Best_Practices.pdf


Mobile POS solution providers can assess their solutions against the
MasterCard Mobile Point-of-Sale Best Practices Guide and apply to be listed on
the MasterCard Web site. Registration for this program will open in July 2012.
Customers with questions about mobile POS solutions can contact:
John Verdeschi
Senior Business Leader, Mobile POS
Phone: 1-914-249-6282
E-mail: john_verdeschi@mastercard.com
or
Patricia Bateson
Business Leader, Mobile POS
Phone: 32-2-352-59-24
E-mail: patricia_bateson@mastercard.com


New EMV Indicator Reporting
Requirement for Location
Administration Tool
Michael Cardamone, Managing Consultant, Location Services, MasterCard Advisors
Suggested routing: Compliance Contact, Data Center Contact, Finance Contact, Principal Contact, Risk
Management Contact, Security Contact
Topic(s): ATM, Chip, Debit, Fraud/Risk, MasterCard OnLine
Summary: This article discusses the new change for the Location
Administration Tool via ATM reporting requirements, including
a new mandatory field in support of EMV Chip-based
technology.
This article also provides instructions to obtain access to the
Location Administration Tool and reminds customers to report
their ATM locations to the Location Administration Tool on a
quarterly basis to ensure data quality.
F Financial impact
Effective Date: 15 October 2012
Overview
Location Administration Tool provides customers with a tool to upload their
ATM location information. This information helps to ensure that MasterCard
continues to maintain accurate details about ATM terminals connected to the
MasterCard network, help anticipate and respond to ATM fraud occurrences,
and provide quality information to cardholders about where they can use
their MasterCard® cards.
Effective 15 October 2012, when customers report their ATM locations via the
Location Administration Tool they will now be required to provide details
about whether an ATM has a EMV chip reader or not.
New EMV Indicator Reporting Requirement for Location Administration Tool


EMV Reporting Requirement
Beginning with the fourth quarter reporting cycle there will be a minor template
change introducing the EMV chip reader indicator as a required field. Reporting
organizations, regardless of country of origin, should report EMV Indicator
information for ATM locations where MasterCard, Maestro®, Cirrus®, and other
MasterCard cards are accepted and processed as EMV transactions. They may
append a (Y) yes, (N) no, and (U) Unknown value for EMV Chip indicator at
the end of the reporting template (after the Security Contact Phone Number).
The EMV Chip Reader indicator is a required field and will be monitored as a
part of the ATM Data Integrity program. The revised template and associated
documentation are available for download on the Location Administration Tool
Web site under Reference Desk on the Resource page.
Additionally, MasterCard will distribute an e-mail communication to all

participating reporting agents announcing the new mandatory EMV chip reader
indicator field as a part of the quarterly ATM reporting requirements.
For additional questions regarding this new requirement, please contact us at

location_services@mastercard.com.
Cirrus and Maestro Rules Requirement

Cirrus and Maestro rules require customers to provide up-to-date ATM locations
and terminal information to MasterCard on a quarterly basis. Please refer to
section 9.4.3.2 in the Cirrus Worldwide Operating Rules and 9.6.3.3 in the
Maestro Global Rules for information about this requirement. Failure to comply
with this requirement may result in a noncompliance Data Integrity assessment.
Importance of Updating the Location Administration

Tool
The information in the Location Administration Tool provides MasterCard,
Maestro, and Cirrus cardholders with the ability to find ATM locations
worldwide through convenient channels (Web, phone, and wireless) 24 hours
a day.


Customers and processors reporting on behalf of MasterCard customers are
encouraged to report their ATM locations quarterly and to ensure the data
quality of their ATM locations with each successive reporting cycle.
The Location Administration Tool provides reporting agents with the necessary
diagnostic feedback to address any incorrectly reported terminals. Reporting
agents are provided “Call to action” Scorecards, To-Do Lists, alerts, and error
logs with simple to follow instructions on how to correct any outstanding
data issues.
How to Get Started Using the Location Administration

Tool—New Users
New users must complete the Location Administration Tool registration process
defined below. Users can upload, update, or modify ATM records for member
ID/ICA numbers that are assigned to their user ID.
1. Go to www.mastercardonline.com.
2. Enter your User ID and Security Information.
3. Select Order Products from the top left of the main page.
4. Under the Shop tab and next to View choose All Products.
5. Scroll down and select Location Administration Tool.
6. Click Add to Cart and continue the process to checkout.
Users can then provide a primary member ID/ICA number and can list any
other member ID/ICA(s) they may be responsible for reporting.

Customers with questions or that seek assistance with the Location
Administration Tool can contact:
Location Services Call Center
Phone: 1-800-398-4150 (in the U.S. and Canada regions)

1-636-722-4050 (for all other regions)
E-mail: location_services@mastercard.com
Representatives are available 24 hours a day, seven days a week to help

with technical issues or to answer questions about how to use the Location
Administration Tool. They can also send you a copy of the Location
Administration Tool Reference Manual.


Customers with questions about ATM Locator products and services can
contact:
Michael Cardamone
Managing Consultant, Location Services, MasterCard Advisors
Phone: 1-914-249-6447
E-mail: michael_cardamone@mastercard.com


Freeze Dates to Support Dual Message
System and Single Message System
Release 13.Q2 Implementation
Jeff Klein, Senior Business Leader, Customer Release Alliance Team
Suggested routing: Authorization Contact, Clearing Contact, Compliance Contact, Debit Contact
Topic(s): Authorization Release 13.Q2, Clearing Release 13.Q2, Dual Message System Release
13.Q2, Single Message System Release 13.Q2
Summary: MasterCard is announcing freeze dates in conjunction with the

implementation of Dual Message System and Single Message
System Release 13.Q2.
Effective Date: As indicated
Overview of Freeze Dates

To support Dual Message System and Single Message System Release 13.Q2,
MasterCard is announcing freeze dates to prevent data changes in the
MasterCard Interface Processor (MIP) and Debit Interface Unit (DIU) profiles,
in the Global Clearing Management System (GCMS) Integrated Product
Messages (IPM) Member Parameter Extract (MPE) file, and any Single Message
System database files. These freeze dates will allow MasterCard to validate and
compare member parameters before implementing system changes relating
to the release enhancements.
Freeze Dates Action Taken

13–23 April 2013 Freeze Dates to Support Dual Message System (Authorization) and Single
Message System Implementation
No customer-requested parameter changes can become effective on these
business processing dates.
13–24 April 2013 Freeze Dates to Support Dual Message System (Clearing) Implementation
17–19 June 2013 Freeze Dates to Support Dual Message System (Authorization and
Clearing) and Single Message System Implementation
Freeze Dates to Support Dual Message System and Single Message System Release 13.Q2 Implementation

NOTE
Currently, MasterCard does not impose freeze dates for any Q1 or Q3 release implementations.

bulletin.
Freeze Dates to Support Dual Message System and Single Message System Release 13.Q2 Implementation

MasterCard SecureCode Member
Information Contact Notification
List—Reminder
Mark Schatz, Senior Business Leader, Customer Operations Support
Data Center Contact, Security Contact
Topic(s): Dual Message System, SecureCode, Single Message System
Summary: MasterCard is reminding customers that use MasterCard®

SecureCode™ to update their SecureCode contact information
using Member Information on MasterCard OnLine® to receive
product updates and information.
Overview
MasterCard communicates important information related to MasterCard
SecureCode using contact information in Member Information online available
on MasterCard OnLine. Using Member Information online, customers can
provide MasterCard with e-mail addresses for the individuals within their
organization who should receive notifications about specific products and
services.
Using Member Information Online

To receive notifications related to MasterCard SecureCode service events and
operational information, please update the SecureCode contact information
within Member Information online.
MasterCard SecureCode Member Information Contact Notification List—Reminder


Customers with credit and debit ICAs can update their contact information
using their credit ICA and adding the contact information to Member
Info—MasterCard. Customers with debit only ICAs should send a request to
lists@mastercard.com and MasterCard will update the contact information on
the customer’s behalf. Please include the ICA the contact information should
be assigned to, name, address, e-mail, phone, and fax in the e-mail.
Customers should use the Product Catalog on MasterCard OnLine to register

for Member Information online. Once registered, users can access the tool
using the following steps:
2. Log on using your User ID and Security Information.
3. Under Products, to go My Products and then click Member
Information—Cirrus/Maestro or Member Information—MasterCard.

Customers with questions about Member Information online should contact the
Customer Operations Services team using the Contact Information provided in
this bulletin.
MasterCard SecureCode Member Information Contact Notification List—Reminder


New MasterCard SecureCode Directory
Server Updates
Bob Reany, Group Head, Global Products and Solutions
Summary: This article notifies MasterCard® SecureCode™ customers of the

decomissioning of a SecureCode directory server.
1 August 2012—Disaster recovery DNS URLs are being

Effective Date:
replaced.
Background
MasterCard SecureCode processing was recently updated with co-processing
behind the main directory.securecode.com Domain Name Server Uniform
Resource Locator (DNS URL). MasterCard will decomission the business
recovery DNS URL to fully utilize the co-processing capability of the primary
DNS URL. This will provide customers of MasterCard SecureCode with a
primary communication channel that is supported from multiple locations
without additional configurations for disaster recovery.
Implementation Considerations
The Disaster Recover DNS URL—directory2.securecode.com—should be
removed from all server configurations for communication to the MasterCard
SecureCode directory server. All communications should be via the primary
DNS URL—directory.securecode.com. The retirement date is currently set
for 1 August 2012.
New MasterCard SecureCode Directory Server Updates


Operational Impacts
The retirement of the disaster recovery DNS URL should have no operational
impact to MasterCard SecureCode customers since MasterCard has not initiated
a disaster mode to route traffic to the disaster recovery DNS URL. Several
improvements, such as co-processing in 2011, have been completed and
are being planned to ensure a robust operating platform for MasterCard
SecureCode transactions.

Customers with questions about the decommissioning or replacement of
certificates should contact:
SecureCode Support
E-mail: securecode_support@mastercard.com
New MasterCard SecureCode Directory Server Updates


MasterCard SecureCode—Change in
Multiple SSL Certificates
Bob Reany, Group Head, Global Products and Solutions
Summary: This article notifies MasterCard® SecureCode™ customers of the

replacement of the test and production certificates.
27 July 2012—Test certificates are targeted for a replacement.

Effective Date: September 2012—Production certificates are targeted for
replacement. The specific dates for both test and production
certificates will be determined in the coming month(s).
Overview
The certificate authority that issues the MasterCard SecureCode Merchant
client Access Control Server (ACS) and ACS signing certificates is expiring
March 2013. The Directory Server (DS) server and client certificates will also
be updated to ensure that all certificates across the platform are signed out of
the same certificate authority (CA).
Effective 9 July 2012, MasterCard will support certificates that are issued from
the new Certificate Authority in production. All requests for Merchant Plug-in
(MPI) client and ACS server certificates must be submitted by 30 September
2012.
All ACS signing certificates should be replaced after 30 September 2012 but
before 28 March 2013 to ensure all MPIs have updated their trust certificates.
The certificate replacement will include:
MasterCard SecureCode—Change in Multiple SSL Certificates


• New root certificate authority
• Along with all Merchant Plug-in (MPI) SSL client certificates
• Issuer (ACS) SSL server certificates
• Signing certificates with new certificates within the new certificate authority
hierarchy
Current Root Certificate Issuing DS Server

Information regarding the MasterCard public root CA currently used to issue
the Directory Server certificate is below.
Field Description
Serial Number 59 d5 68 37 26 e1 be 86 95 37 ac f6 8e 3b 5b 18
Validity Date Monday, 12 January 2009 through Wednesday, 31 December
2014
Subject Name and CN = PRD MC Directory CA
Issuer Name OU = MasterCard Worldwide SecureCode Directory Server
O = MasterCard Worldwide
C = US
Current Root Certificate Issuing MPI Client, ACS

Server, ACS signing, DS Client
The current SecureCode CA used to issue MPI client, ACS server, ACS signing
and DS client is below.
Field Description
Serial Number 01
Validity Date Friday, 28 March 2003 5:41:10 GMT through Thursday, 28

March 2013 5:35:54 GMT
Subject Name and CN = MasterCard SecureCode Root Certification Authority
Issuer Name OU = MasterCard International SecureCode Gen 1
O = MasterCard International
C = US


Implementation Considerations
MasterCard is encouraging all MPI software providers to request a new client
certificate no later than 30 September 2012 These request are being accepted
now through 30 September 2012 on a first come first serve basis. The new
CA is already accepted in the Valfac environment. Effective 9 July 2012,
MasterCard will begin trusting the new issuing certificate authority in the
production environment.
MPI and ACS software providers must continue to accept the existing Certificate
Authorities issued by the MasterCard SecureCode Root Certification Authority
and PRD MC Directory CA until 28 March 2013. MasterCard recommends
that ACS providers wait until after the 30 September 2012 cutoff date in order
to implement your new signing certificate to ensure the MPIs have updated
their trust certificates.
NOTE
MasterCard supports the use of 1024 bit keys. MasterCard will use 2048 RSA
bit keys and recommends the use of 2048 bit key size. MasterCard strongly
recommends that merchants and service providers prepare their MPI software
to comply with this requirement well in advance 30 September 2012 deadline.
New Certificate and Testing Information

The MasterCard® SecureCode™ Validation Facility will be available for merchant
and ACS endpoint testing every Monday between 00:01 (Purchase, New York,
USA time) and 23:59 (Purchase time). A test pack is available for MPI operators
to download, which includes a new MPI client certificate. ACS providers must
request their server and signing certificates independently by sending an e-mail
to securecode_test@mastercard.com. Customers must either use the certificates
signed out of the new CA or have their trust store updated with the new CA
during the Monday test window.
Effective 27 July 2012, the Valfac certificates will be updated. Only those
customers that have either updated their certificates or trust stores with the
new CA will be able to test in Valfac at that time.
All production request for certificates should be sent to

securecode_certificates@mastercard.com.
Customers should also refer to the following Web site to download the test
pack and review Frequently Asked Questions. MasterCard will continually
update this with the latest certificate and testing information.
Web Site: www.mastercard.com/us/securecode/index.html


Customers with questions about the replacement of certificates should contact:
SecureCode Migration Support
E-mail: securecode_migration_support@mastercard.com


Currency Addition—Offshore Chinese
Renminbi
Brenda Ellis, Senior Business Leader, Global Settlement Services
Suggested routing: Authorization Contact, Clearing Contact, Principal Contact, Settlement Contact
Topic(s): Currency, Dual Message System, Settlement, Single Message System
Summary: Effective 1 August 2012, MasterCard will begin supporting the

new currency codes for the offshore deliverable of the Chinese
renminbi—alphanumeric code CNH/157 with a minor unit
(exponent value) of two—as a MasterCard transaction currency.
Effective Date: 1 August 2012
New Transaction Currency

Effective 1 August 2012, MasterCard will begin supporting the offshore
deliverable Chinese renminbi—alphanumeric code CNH/157 with a minor unit
(exponent value) of two—as a new MasterCard transaction currency.
Customer Impact
In preparation for the support of the new currency, MasterCard systems will
introduce the new currency codes and exchange rate noted as follows.
Currency File
The T057 Currency File distributed to the customers on 1 August 2012 at
approximately 15:00 St. Louis, Missouri, USA time will include new the
currency codes.
Currency Addition—Offshore Chinese Renminbi


Member Parameter Extract File
The T067/T068 Member Parameter Extract (MPE) files distributed to customers
on 1 August 2012 at approximately 12:00 St. Louis time will include the new
currency codes.
Dual Message System (Authorization)

Effective 1 August 2012, at approximately 10:00 St. Louis time, Dual Message
System authorizations will begin supporting the new currency.
Financial Transactions Cleared Through Dual Message

System (Clearing) and the Single Message System
Customers may begin using the new currency code for MasterCard transactions
cleared through the Global Clearing Management System (GCMS) and the
Single Message System beginning 1 August 2012 at 17:00 St. Louis time.
Settlement
No changes are required for settlement. Customers will continue to settle
according to their established Regional Settlement Service arrangements and
settlement holidays.
Cardholder Currency Changes

Issuers that want to change their clearing cardholder billing currency to the
new currency code CNH/157 must contact their Customer Operations Services
representative.

Customers with questions about the new currency should contact the Customer
Operations Services team using the Contact Information provided in this
bulletin or:
Global Settlement Services
Phone: 1-636-722-7676
Fax: 1-636-722-2383
E-mail: settlement_inquiries@mastercard.com
Currency Addition—Offshore Chinese Renminbi


New Offshore Chinese Renminbi
Regional Settlement Service
Brenda Ellis, Senior Business Leader, Global Settlement Services
Suggested routing: Authorization Contact, Clearing Contact, Principal Contact, Settlement Contact
Topic(s): Settlement
Summary: MasterCard will expand its regional settlement services

to offer settlement in the offshore deliverable Chinese
renminbi—currency code CNH/157.
Action Indicator: R Member must register to have access to product or

service
Effective Date: 3 September 2012
New Regional Settlement Service

MasterCard will establish a Chinese renminbi settlement service (Settlement
Service ID AP00000014) that offers settlement in the offshore deliverable
Chinese renminbi—currency code CNH/157. This service will be offered to
customers that are licensed outside of the Europe region.
The settlement agent for the service will be JPMorgan Chase and the service
will follow the Peoples Bank of China (PBOC), Chinese Central Bank and
Hong Kong Central Bank holiday calendars.
Details of the new services are provided as follows.
Settlement Service Details

Settlement Agent JP Morgan Chase, Hong Kong
Settlement Service ID AP00000014
Settlement Currency Offshore Chinese renminbi
Currency Code CNH/157
Settlement Service Cutoff Time (St. Louis, 08:00 St. Louis time
Missouri, USA time)
Value Date Interval Next Day Settlement (Settlement Date +
2 Business Days)
New Offshore Chinese Renminbi Regional Settlement Service


Settlement Service Details
Designated Time for Credits 14:30 Local time
Designated Time for Debits 14:30 Local time
Settlement Agent Contact Details

The settlement agent contact details is as follows.
JPMorgan Chase—Hong Kong

Attention: Ann Lin Khoo
Phone: 852-28001387
E-mail: ann.lin.khoo@jpmorgan.com
Customer Impact
Customers that want to participate in this new service have to send their
completed NSIF to the Customer Implementation Services team. This form is
available on MasterCard OnLine®. To access this form:
3. Under the Main Menu, go to Resources and then click Business Forms.
4. Under View Forms by Category, select the drop down list and click Clearing
& Settlement.
5. Select Net Settlement Information Form (NSIF) under Form Name.
6. Select Online Forms.
7. Complete the NSIF, review for accuracy, and click Submit.
Customer testing is optional, but strongly recommended. Please contact

your Customer Implementation Services team for information about testing
requirements.

the Customer Operations Services team using the Contact Information provided
in this bulletin.
New Offshore Chinese Renminbi Regional Settlement Service


Settlement Holiday Schedule
James Gonzales, Senior Business Leader, Global Settlement Services
Suggested routing: Finance Contact, Principal Contact, Settlement Contact
Topic(s): Dual Message System, Settlement, Single Message System
Summary: Following is the July and August 2012 schedule of local country
holidays that local MasterCard settlement banks have provided.
Customer Impact
Intracurrency and regional settlement services affect customers as indicated in
the following sections.
Intracurrency Settlement Services

When a currency holiday is announced by the central bank, local monetary
authority, or local settlement agent, MasterCard will exclude that currency’s
intracurrency settlement service from a settlement cutoff. Therefore, when a
currency holiday is declared or the local settlement agent observes a banking
holiday, settlement advisements for the affected intracurrency settlement
service will not be delivered to the participating customers. In addition, those
dates are excluded as good value dates for that currency.
Regional Settlement Services

When a currency holiday is announced by the central bank, local monetary
authority, or local settlement agent, MasterCard will exclude that currency’s
regional settlement service from a settlement cutoff. Therefore, when a
currency holiday is declared or the local settlement agent observes a banking
holiday, settlement advisements for the affected regional settlement service will
not be delivered to the participating customers. In addition, those dates are
excluded as good value dates for that currency.


U.S. Federal Reserve Holidays
U.S. Federal Reserve holidays will be excluded as good value dates for all
regional settlement services. The next U.S. Federal Reserve holiday is 4 July
2012.
Settlement Holiday Dates

The following dates will be observed as banking holidays by the local
settlement bank, currency, or both, except as noted.
Country Date Holiday

Canada 2 July 2012 Canada Day
Hong Kong 2 July 2012 The day following Hong Kong Special
Administrative Region Establishment
Day
Venezuela 2 July 2012 Dia de San Pedro y San Pablo
Belarus 3 July 2012 Independence Day
Sri Lanka 3 July 2012 Esala Full Moon Poya Day
Ecuador 4 July 2012 U.S. Holiday
United States 4 July 2012 Independence Day
Czech Republic 5 July 2012 Cyril and Metodej

Venezuela 5 July 2012 Dia de la Independencia
Bangladesh 6 July 2012 Shab-e-Barat
Czech Republic 6 July 2012 Jan Hus
Kazakhstan 6 July 2012 The state holiday—day of the Capital

of Kazakhstan
Lithuania 6 July 2012 Mindaugas' Coronation Day
Argentina 9 July 2012 Independence Day
Japan 16 July 2012 Sea Day
Egypt 23 July 2012 Revolution Anniversary

Venezuela 24 July 2012 Natalicio del Libertador
Costa Rica 25 July 2012 Anexión del Partido de Nicoya
Barbados 1 August 2012 Emancipation Day
Jamaica 1 August 2012 Emancipation Day
Sri Lanka 1 August 2012 Nikini Full Moon Poya Day


Switzerland 1 August 2012 Swiss National Day
Trinidad and Tobago 1 August 2012 Emancipation Day
Costa Rica 2 August 2012 Virgen de los Ángeles Day
Macedonia 2 August 2012 Bank Holiday
Thailand 2 August 2012 Asarnha Bucha Day
Australia 6 August 2012 Provincial Holiday—Settlement
cutoffs will be performed for all
Australian dollar settlement service,
but this will not be a good value date.
Barbados 6 August 2012 Kadooment Day
Jamaica 6 August 2012 Independence Day
Tanzania 8 August 2012 Peasant Day
Bangladesh 9 August 2012 Shuva Janmashtami

Singapore 9 August 2012 National Day
South Africa 9 August 2012 National Women’s Day
Thailand 13 August 2012 Substitution for H.M. the Queen’s
Birthday
Venezuela 13 August 2012 Asunción de Nuestra Señora
Bangladesh 15 August 2012 National Mourning Day
Costa Rica 15 August 2012 Mother’s Day
Croatia 15 August 2012 Assumption of Mary
India 15 August 2012 Independence Day
Lebanon 15 August 2012 Assumption of Virgin Mary
Lithuania 15 August 2012 Assumption Day
Mauritius 15 August 2012 Assumption of the Blessed Virgin
Mary
Poland 15 August 2012 Assumption of the Blest Virgin Mary
Romania 15 August 2012 The Holly Mary
Slovenia 15 August 2012 Ascension Day
Bangladesh 16 August 2012 Shab-e-Qadr
Dominican Republic 16 August 2012 Day of Restoration


Bangladesh 17 August 2012 Jumatul Wida
Indonesia 17 August 2012 Independence Day
Argentina 20 August 2012 San Martin Memorial
Azerbaijan 20 August 2012 Ramazan Holiday
Bangladesh 20 August 2012 Eid-ul-Fitr
Egypt 20 August 2012 Ramadan Bairam
Hungary 20 August 2012 State Foundation Day
India 20 August 2012 Ramzan
Indonesia 20 August 2012 Hari Raya Idul Fitri

Lebanon 20 August 2012 Eid El-Fitr (Ramadan)
Malaysia 20 August 2012 Eid Al-Fitri
Saudi Arabia 20 August 2012 Eid-ul-Fitr
Singapore 20 August 2012 Hari Raya Puasa
Azerbaijan 21 August 2012 Ramazan Holiday
Bangladesh 21 August 2012 Eid-ul-Fitr
Indonesia 21 August 2012 Shared holiday by the Government
Lebanon 21 August 2012 Eid El-Fitr (Ramadan)
Philippines 21 August 2012 Ninoy Aquino Day

Indonesia 22 August 2012 Shared holiday by the Government
Ukraine 24 August 2012 Independence Day
Moldova 27 August 2012 Independence Day

Philippines 27 August 2012 National Heroes’ Day
United Kingdom 27 August 2012 Summer Bank Holiday
Georgia 28 August 2012 Virgin's Assumption


Kazakhstan 30 August 2012 The state holiday—the Constitution
day
Malaysia 31 August 2012 National Day
Moldova 31 August 2012 National Language Day
Sri Lanka 31 August 2012 Adhi Binara Full Moon Poya Day
Trinidad and Tobago 31 August 2012 Independence Day

Customers with questions about the settlement holiday dates should contact:
Jim Groene
Senior Professional, Global Settlement Services
Phone: 1-636-722-7906
Fax: 1-636-722-2383
E-mail: jim_groene@mastercard.com


Merchants Registered for the CVC 2
Validation Program
Colin McGrath, Senior Business Leader, U.S. Commerce Development
Suggested routing: Authorization Contact, Principal Contact
Topic(s): Authorization, Chargebacks, Fraud/Risk, Merchants, Security
This article applies to customers in the U.S. region but could affect customers
globally.
Summary: MasterCard is providing the current list of merchants that have

been registered in the MasterCard Card Validation Code 2 (CVC
2) Validation Program.
F Financial impact

service
Effective Date: For transactions occurring on or after 1 August 2012
MasterCard CVC 2 Validation Program

Beginning in April 2009, MasterCard implemented the MasterCard CVC 2
Validation Program for U.S. region merchants.
Issuers and acquirers should refer to the Chargeback Guide and message
reason code 4837 (No Cardholder Authorization) for chargeback processing
criteria related to the CVC 2 Validation Program.
The information in this article affects debit issuers that process chargeback
transactions through the Single Message System, although debit issuers use only
the last two digits of the reason codes. For more information about processing
chargeback transactions via NICS™, refer to the NICS User Guide. For more
information about processing chargeback transactions via online exception
item processing, refer to the Single Message System Specifications manual.
Merchants Registered for the CVC 2 Validation Program


In addition, data element definitions and values and transaction message
flows may be different for debit transactions. For more information about
data element definitions and values and transaction message flows for debit
transactions, refer to the Single Message System Specifications manual.
Listing of Registered Merchants

MasterCard has registered the following merchants in the MasterCard CVC 2
Validation Program. Newly listed merchants are indicated in bold.
5–7–9 Shop Hollister Rainbow Apparel

Abercrombie & Fitch HomeGoods Ralphs
Abercrombie Kids Janie and Jack Ross Stores
AJ Wright Jay C Foods RS.com
American Eagle Outfitters JC Penney RS Pilot

(American Eagle Outfitters,
77 Kids, Aerie)
Apple Jo-Ann Stores Ruel
AutoZone Kay Jewelers SC Kiosk
B. Dalton King Soopers Sam’s Club
Bakers KMart Save-Rite
Bakers Footwear KMart Kiosk Schuler Books

Barnes & Noble Kohl’s Scott’s Foods
Bass Pro Shops (Bass, Kroger Sears
Tracker Marine, Big Cedar
Lodge)
Best Buy Stores Kwik Shop Sheetz
Bob’s Stores Love’s Travel Stop and Smiths Food & Drug
Country Stores Inc.
Borders Loaf N Jug Smiths Marketplace
Burlington Coat Factory Lowe’s Staples
City Market Marathon Oil Sterling Jewelers
Crazy 8 Marrianne’s Super Target
Creative Mobile Marshalls The Buckle Inc.
Technologies (NYC Taxi,
Boston Taxi)
Dillons Meijer The Home Depot


Dillard’s Mirastar The Home Depot Carwash
Dollar General Mud Bay Target
DoubleDay Nordstrom Tesoro
Dunham’s Sports Nugget Market TJ Maxx
Food Plus Office Depot Tom Thumb
FoodsCo O’Reilly Automotive Stores Toys R Us

Inc.
Fred Meyer Owen’s Trader Joe’s
Frys Food & Drug Pay Less Super Markets Turkey Hill
Frys Marketplace Pepboys USA Petroleum
Gap Inc (Gap, Old Navy, Petco Walden Books
Banana Republic, Athleta)
Gerbes Pier 1 Walmart
Giant Eagle (Giant Eagle, Point Mobil Walmart Supercenter
Market District, Valu King,
Get Go)
Gilley & Hicks Quality Food Centers Winn-Dixie
(QFC)
Gymboree Quik Stop Wakefern Food Corp.
(Shoprite, Pricerite, Kleins
Super Market)
HD Convenience Store QuikTrip
Hilander Radio Shack

bulletin, or contact:
Ed DePhilippis
Leader, U.S. Commerce Development
Phone: 1-914-249-5374
Fax: 1-914-249-5618
E-mail: edward_dephilippis@mastercard.com


Recent MasterCard Publications
Virginia Hayden, Senior Business Leader, Manuals and Publications
Suggested routing: Authorization Contact, Clearing Contact, Finance Contact, Mail List Contact,
Marketing Contact, Principal Contact, Programming Contact, Risk Management Contact, Security
Contact, Settlement Contact
Topic: Documentation, MasterCard OnLine
Summary: MasterCard provides instructions customers can use to view

documents published during the previous month on MasterCard
OnLine®. If you receive printed publications, please allow
several days for distribution.

service
Recent Publications
MasterCard published new and updated documents through the Publications
product in the previous month. To view the Recently Published page, follow
these steps:
3. From the Products menu, click My Products, and then click Publications.
The Publications home page is displayed.
4. On the Publications home page, under the Quick Links menu at the
left, click Recently Published. A list of the most recent English-language
documents available in the Publications library is displayed. To view
recently published Spanish or Portuguese manuals, click the corresponding
button at the top of the page.
When an update is published, discontinue using any previous editions.


Recent MasterCard Bulletins
MasterCard published a number of bulletins through MasterCard Bulletins in
the previous month. To view a list of new bulletins that MasterCard published
in the past month, follow these steps:
3. From the Main Menu, click Bulletins. The MasterCard Bulletins home page
is displayed.
4. Click the arrow next to View By..., and then click New Bulletins. A list of
new bulletins will display in the Bulletins Browser pane at the left.
New Name for Publications Product

MasterCard is announcing that the Member Publications product available on
MasterCard OnLine and in the Product Catalog is now the Publications product.
Publications Information
Publications are available online, and MasterCard provides some in printed
format or CD-ROM format. Signing up for Publications does not remove your
name from the mail list for a printed publication. You will continue to receive
printed publications until you remove your name from the subscription list
using the Ordering Publications tool.
To add or remove your name from a mail list, use the Ordering Publications
tool by clicking Resources from the main menu bar on the MasterCard OnLine®
home page. Then click Ordering Publications. If you do not have access to
MasterCard OnLine, go to the MasterCard OnLine Web site and click Sign Up.
Web Site: www.mastercardonline.com
Subscribing to Publications
MasterCard Publications are available in an online format on MasterCard
OnLine for licensed users. The Publications product contains more than 300
publications. The online manuals are easy to use and generally are available to
customers before printed manuals can reach them.


If you are not using the Publications product on MasterCard OnLine and would
like to subscribe, follow these steps:
3. From the Products menu, click Order Products.
4. On the Shop tab, find the View: drop-down box, and select All Products.
The Find: box will display.
5. To filter, type Publications in the Find: box, and then click go.
6. From the list that displays, select Publications, and then click Add to Cart.
7. Complete the request form and submit it for processing.
Accessing MasterCard Bulletins

Global, regional, and country bulletins are available online through the
MasterCard Bulletins product on MasterCard OnLine. The MasterCard Bulletins
product allows customers to view and search bulletin articles by type, date,
topic, and language. Access to MasterCard Bulletins is free of charge to all
MasterCard OnLine users. To access MasterCard Bulletins, click Bulletins from
the Main Menu on the MasterCard OnLine home page.
Printed Publications
To add or remove your name from a mail list, use the Ordering Publications
tool by clicking Resources from the main menu bar on the MasterCard OnLine
home page. Then click Ordering Publications. If you do not have access to
MasterCard OnLine, go to MasterCard OnLine and click Sign Up.
Web Site: www.mastercardonline.com
Send Us Your Comments and Suggestions

Please send your comments or suggestions about MasterCard publications to:
Manuals and Publications

Fax: 1-636-722-7107
E-mail: publications@mastercard.com


Calendar of Events
The calendar of events provides significant dates for operations-related
events. For customers in the Europe region, please refer to the Calendar of
Events published with Global Operations Bulletin No. 7, 2 July 2012 or the
consolidated Calendar of Events on MasterCard OnLine®.
July 2012
10–14 MasterCard will implement the 12.Q3 Release. For details about
the release, please refer to the Release Information Center.
August 2012
1 The MasterCard Terminal Integration Process (M-TIP) is being
expanded to contactless terminal testing. For more information,
refer to Global Operations Bulletin No. 12, 1 December 2011.
31 MasterCard is notifying customers who use a File Transfer
Protocol (FTP) with secure socket layer (SSL) client to initiate
Internet-based file exchange with MasterCard (both attended and
unattended), that the Uniform Resource Locator (URL), Internet
Protocol (IP) addresses and port numbers associated with the
MasterCard FTPS servers have changed. For more information,
refer to Global Operations Bulletin No. 3, 1 March 2012.
31 MasterCard File Express Software release 6.0 is available for
download from MasterCard OnLine®. All MasterCard File Express
Software users must upgrade to this mandatory release version
by 31 August 2012. For more information, refer to Global
Operations Bulletin No. 3, 1 March 2012.
October 2012
6-16 No customer -requested Single Message System parameter
changes can become effective on these business processing
dates. For more information, refer to Global Operations Bulletin
No. 5, 1 May 2012.
5 Calendar of Events
©2012 MasterCard. Proprietary. All rights reserved. Calendar-1
October 2012
6-16 No customer -requested Dual Message System (Authorization)
parameter changes can become effective on these business
processing dates. For more information, refer to Global
Operations Bulletin No. 5, 1 May 2012.
6-17 No customer-requested Dual Message System (Clearing)
12 Customers are reminded that data standards defined through the
Authorization Data Accuracy for Trace ID (IPM DE63S2),
Transmission Date and Time (CIS DE 7), and POS Postal Code
(CIS DE 61, subfield14 and IPM DE43S4) go into effect. For
more information, refer to the article “Authorization Data
Accuracy Initiative—New and Discontinued Data Integrity Edits”
in Global Operations Bulletin No. 8, 1 August, 2011.
12 MasterCard is revising the technical fallback definition used in
connection with message reason code 4870—Chip Liability Shift
and 4871—Chip/PIN Liability Shift chargebacks. For more
information, refer to Global Operations Bulletin No. 4, 2 April
2012.
12 MasterCard is retiring certain Maestro chargeback reason codes.
For more information, refer to Global Operations Bulletin No.
11, 1 November 2011.
12 MasterCard strongly recommends that acquirers ensure that their
merchant acquiring activity is in compliance with the Standards
for area of use. For more information, refer to Global Operations
Bulletin No. 6, 1 June 2012.
10–13 MasterCard has revised the Standards to align with the
previously announced requirement that acquirers confirm
application of the periodic updates to the Financial Institution
Table (FIT) and IPM Member Parameter Extract (MPE). For
more information, refer to Global Operations Bulletin No. 4, 2
April 2012.
Calendar of Events
Calendar-2 ©2012 MasterCard. Proprietary. All rights reserved.
November 2012
5-7 No customer-requested Single Message System parameter
changes can become effective on these business processing
dates. For more information, refer to Global Operations Bulletin
No. 5, 1 May 2012.
5-7 No customer-requested Dual Message System (Authorization)
5-7 No customer-requested Dual Message System (Clearing)
December 2012
1 Customers are reminded that data integrity fees are applied for
Data Integrity Management Program edits related to the
Authorization Data Accuracy Initiative. These include clearing
edits 8 and 9, and authorization edit 4. For more information,
refer to the article “Authorization Data Accuracy Initiative—New
and Discontinued Data Integrity Edits” in Global Operations
Bulletin No. 8, 1 August, 2011.
April 2013
1 Issuers of MasterCard®, Maestro®, and Cirrus™ products on
mobile devices (including but not limited to mobile telephones,
portable music players, and tablets) must use a Mobile
MasterCard® PayPass™ compliant product. For more
information, refer to Global Operations Bulletin No. 5, 1 May
2012.
New! 13-23 MasterCard freeze dates to support Dual Message System
(Authorization) and Single Message System Implementation. For
July 2012.
(Clearing) Implementation. For more information, refer to Global
Operations Bulletin No. 7, 2 July 2012.
19 Authorization Data Accuracy compliance penalties apply. For
December 2010.
April 2013
19 Regardless of country of origin, customers should report EMV
Indicator information for ATM locations where MasterCard,
Maestro, Cirrus and other MasterCard cards are accepted and
processed as EMV transactions. MasterCard will enforce these
Standards for Customer Implementation Specifications DE 41.
For more information, please refer to This is one of the fields
addressed in the Authorization Data Accuracy initiative,
announced in the article “Authorization Data Accuracy Initiative”
in Global Operations Bulletin No. 12, 1 December 2010.
19 Effective for MasterCard POS transactions, the Canada region will
join the Global Chip Liability Shift Program at Level 2 (Chip/PIN
Liability Shift). For more information, refer to Global Operations
Bulletin No. 5, 1 May 2012.
19 MasterCard strongly recommends that acquirers ensure that their
merchant acquiring activity is in compliance with the Standards
for area of use. For more information, refer to Global Operations
Bulletin No. 6, 1 June 2012.
June 2013
(Authorization and Clearing) and Single Message System
Implementation. For more information, refer to Global
30 MasterCard is postponing the implementation date by one year
of the Internal Security Assessor (ISA) Program training and
certification requirements for Level 1 and Level 2 merchants.
MasterCard is revising its Site Data Protection (SDP) Program
Standards to reflect the postponed effective date and the name
of the merchant training and accreditation program offered by
the Payment Card Industry Security Standards Council (PCI SSC)
as the ISA Program. For more information, refer to Global
Calendar of Events
Calendar-4 ©2012 MasterCard. Proprietary. All rights reserved.
October 2013
18 MasterCard is revising its Standards to require the use of
different Chip CVC and CVC 1 values on newly issued and re-
issued chip cards. For more information, refer to Global
Operations Bulletin No. 11, 1 November 2011.
New! 18 Specific card acceptor business codes (MCCs) previously
excluded from the U.S. Reversal Mandate are now included. For
July 2012.
April 2014
11 Customers in the United Kingdom must support partial
approvals for debit and prepaid card programs and balance
responses for prepaid card programs, within specific card
acceptor business codes (MCCs). For more information, refer to
Global Operations Bulletin No. 12, 1 December 2010.
October 2015
1 The U.S. region will join the Global Chip Liability Shift Program
at Level 2 (Chip/PIN Liability Shift), effective for MasterCard POS
transactions occurring on or after this date. For more
information, refer to Global Operations Bulletin No. 5, 1 May
2012.
October 2017
1 The U.S. region will join the Global Chip Liability Shift Program
at Level 2 (Chip/PIN Liability Shift), effective for MCC 5534 (Fuel
Dispenser, Automated) transactions occurring on or after this
date. For more information, refer to Global Operations Bulletin
No. 5, 1 May 2012.
April 2020
1 All customers must support partial approvals for debit and
prepaid card programs and balance responses for prepaid card
programs, within specific card acceptor business codes (MCCs).
For more information, refer to Global Operations Bulletin No.
12, 1 December 2010.
Legal Notices
Standards From time to time, the author of an article appearing in this Bulletin may
attempt to describe, explain, clarify or otherwise elucidate upon a Rule or other
Standard or revision thereof. No such description, explanation, clarification
or other elucidation shall be deemed to be a Rule or other Standard nor be
deemed to accurately describe, explain, clarify or otherwise elucidate upon a
Rule or other Standard. In the event the Corporation, in its sole judgement,
determines at any time there to be a conflict or discrepancy between a Rule
or other Standard and any description, explanation, clarification or other
elucidation thereof appearing in this Bulletin, the text of the Rule or other
Standard shall be afforded precedence and the conflicting or discrepant
description, explanation, clarification or other elucidation shall be deemed of
no effect as if never published herein.
Trademarks Trademark notices and registration symbols used in this bulletin reflect the
registration status of MasterCard trademarks in the United States. Please
consult with the Customer Operations Services team or the MasterCard Law
Department for the registration status of particular product, program, or service
names outside the United States. All third-party product and service names are
trademarks of their respective owners.
Routing MasterCard frequently recommends that persons having certain responsibilities

read certain articles. Each customer is responsible for ensuring that it remains in
compliance with MasterCard Standards at all times. Thus, it is the responsibility
of each customer to determine who within its organization is afforded access
to MasterCard information.
Revisions In the event of a conflict between this document and a subsequently published
edition, the subsequently published edition shall have precedence.
Proprietary Rights The information contained in this document is proprietary and confidential to
MasterCard International Incorporated, one or more of its affiliated entities
(collectively “MasterCard”), or both. This material may not be duplicated,
published, or disclosed, in whole or in part, without the prior written permission
of MasterCard.
Legal Notices 1

Global Operations Bulletin No 7, 2 July 2012

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Global Operations Bulletin No 7, 2 July 2012

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©2012 MasterCard. Proprietary. All rights reserved.

Production Review—Due 27 June

2 Global Operations Bulletin No. 7, 2 July 2012

Production Review—Due 27 June

About This Bulletin

For More Information

Phone: 1-800-999-0363 (in Canada and U.S. regions)

Production Review—Due 27 June

Suggested routing: Marketing Contact, Principal Contact

Topic(s): Debit MasterCard, Marketing, MasterCard, Rules/Standards

Applies to: P Issuers

Summary: MasterCard is clarifying its Standards relating to MasterCard

Action Indicator: M Mandate

Effective Date: Immediately

To enable MasterCard to assess whether such a solicitation is acceptable, a

Revised Standards for Card Solicitations and Linked Card Programs

Production Review—Due 27 June

Overview of Revised Standards

Effective Date Changes to Standards in… Will be Published in…

Immediately MasterCard Rules Chapter 4—Trademarks and

MasterCard will incorporate the revised Standards into a future edition of

Revised Standards—MasterCard Rules

Chapter 4—Trademarks and Service Marks

4.2 General Rules for Use of the Mark

4.2.4 Review of Solicitations

4.2.4.1 Linked Card Programs

The remainder of this section is unchanged.

Revised Standards for Card Solicitations and Linked Card Programs

Production Review—Due 27 June

Revised Standards for Card Solicitations and Linked Card Programs

Production Review—Due 27 June

Topic(s): Authorization, Clearing, Debit MasterCard, Maestro, MasterCard, MCC, Merchant,

Applies to: P Issuers P Acquirers P Processors

Summary: MasterCard is revising the description of card acceptor business

Action Indicator: C Coding or development changes typically required

Effective Date: Immediately

Point-of-Interaction Funding Transactions

Revised Standards for POI Funding Transactions

Production Review—Due 27 June

For funding transactions occurring via the MasterCard MoneySend platform,

Overview of Revised Standards

Effective Date Changes to Standards in… Will be Published in…

Immediately Quick Reference Booklet Chapter 3—Card Acceptor

Revised Standards for POI Funding Transactions

Production Review—Due 27 June

Chapter 3—Card Acceptor Business Codes (MCCs)

MCC 6540—POI Funding Transactions (Excluding MasterCard® MoneySend™)

TCC R for face-to-face transactions.

MCC Identifies a transaction conducted by a card acceptor providing any

The remainder of this section is unchanged.

For More Information

Revised Standards for POI Funding Transactions

Production Review—Due 27 June

Suggested routing: Chargeback Contact, Acquiring Contact, Rules Contact

Applies to: P Issuers P Acquirers P Processors

Action Indicator: M Mandate

Effective Date: 1 July 2012

The floor limits for non-chip transactions, including magnetic stripe

Overview of Revised Standards

Effective Date Changes to Standards in… Will be Published in…

Revised U.K. Chip Floor Limit for Attended Petrol Transactions

Production Review—Due 27 June

Revised Standards—Quick Reference Booklet