before completing the transaction the card acceptor must obtain a transaction certificate and related data.
For all non–face-to-face chip-read transactions completed via cardholder- controlled remote devices, the card acceptor must obtain an online
authorization and the transaction must be Full Grade. For such transactions, issuers may transmit an Authorization Response Cryptogram (ARPC) with an authorization number instead of the transaction certificate and related data.
2.1.6 Completing the Transaction Information Document (TID)
The following sections contain information and requirements relevant to the completion of the Transaction Information Document (TID).
2.1.6.1 Include All Goods on One TID
All goods and services purchased in the same transaction must be included on a single transaction information document (TID).
2.1.6.2 TID Information Requirements
The information in sections 2.1.6.2.1 through 2.1.6.2.7 must be included on the TID.
2.1.6.2.1 A Description of the Goods
A description of the goods and services and their price, including applicable taxes, must be entered on the TID in detail sufficient to identify the
transaction. If no currency is identified on the TID, the transaction is deemed to have taken place in the currency that is legal tender at the point of
interaction. If the card acceptor offers multiple currencies, then the TID must indicate all of the following information:
• The transaction amount in the merchant’s local currency (the goods or services total);
• The converted transaction amount in the currency chosen and agreed to by the cardholder and the merchant (the sale total);
• The currency symbol of each,
• The method by which the currency agreed to by the cardholder was converted from the amount in the merchant’s local currency; and Members should cite
Chargeback Guide 2.1.5.
Members should cite Chargeback Guide 2.1.6.1.
Members should cite Chargeback Guide 2.1.6.2
Members should cite Chargeback Guide 2.1.6.2.1
2.1 Acceptance Procedures
• Either of the following statements: “I understand that MasterCard has a currency conversion process and that I have chosen not to use the MasterCard currency conversion process and I will have no recourse against MasterCard with respect to any matter related to the currency conversion or disclosure thereof” or “I have chosen not to use the MasterCard Currency conversion process and agree that I will have no recourse against MasterCard concerning the currency conversion or its disclosure.”
2.1.6.2.2 The Transaction Date
The transaction date must be entered on the TID. 2.1.6.2.3 An Imprint of the Card
A legible imprint of the card must be made on the TID, or the card acceptor may electronically record the customer’s card information and the card acceptor location.
If a transaction is completed without obtaining a card imprint or electronically derived card information, the card acceptor must note legibly on the sales receipt sufficient detail to identify the cardholder, the card acceptor, and the card issuer. This information must include at least the name and address of the card acceptor, the name or trade name of the issuer as it appears on the face of the card, the account number, the MasterCard security character, the expiration date (or dual date), the cardholder name, and any company name. If the transaction is completed without obtaining a card imprint or
electronically derived card information, the card acceptor is deemed to have warranted the true identity of the customer as the cardholder, unless the card acceptor obtained and noted on the TID independent evidence of the
cardholder’s true identity.
Transactions based on mail orders, telephone orders, preauthorized orders, electronic commerce orders, MasterCard Guaranteed Reservations and Advanced Resort Deposits may be completed without a card imprint. 2.1.6.2.4 The Authorization Number
If an authorization is obtained from the issuer, unless the transaction is an offline chip-read transaction, the authorization number must be entered on the TID. If more than one authorization is obtained over the course of the
transaction (as may occur for hotel, motel, or vehicle rental transactions), all authorization numbers, the amounts authorized, and the date of each authorization must be entered on the TID.
Members should cite Chargeback Guide 2.1.6.2.2.
Members should cite Chargeback Guide 2.1.6.2.3.
Members should cite Chargeback Guide 2.1.6.2.4.
2.1 Acceptance Procedures
2.1.6.2.5 The Primary Account Number
The primary account number (PAN) must be truncated on all cardholder- activated terminal TIDs. Subject to local and national laws, PAN truncation is permitted on any other TID type. The Corporation recommends that only the last four digits of the PAN be printed on the receipt. Truncated digits should be replaced with fill characters such as “x,” “*,” or “#,” and not with blank spaces or numeric characters.
2.1.6.2.6 Delayed Presentment
When the card acceptor receives approval for delayed presentment, the authorization number and the words “Delayed Presentment” must be noted legibly on the TID.
2.1.6.2.7 Cardholder Identification
For unique transactions processed in a face-to-face environment (with the exception of truck stop transactions and card-read transactions where a non- signature CVM is used), the card acceptor must record on the TID a
description of the unexpired, official government document provided as identification by the cardholder, including any serial number, expiration date, jurisdiction of issue, customer name (if not the same name as embossed on the card), and customer address.
2.1.6.2.8 The Transaction Certificate
The transaction certificate is not required on the TID. However, if the acquirer elects to record the receipt of a transaction certificate on the TID, then the card acceptor must enter the complete transaction certificate on the TID.
2.1.6.2.9 Prohibited Information
The TID or any other document must not reflect the following information: • The PIN, any part of the PIN, or any fill characters representing the PIN • The card validation code 2 (CVC 2), which is indent-printed on the
signature panel of the card
MasterCard prohibits the recording of PIN data and CVC 2 data in any manner for any purpose.
Members should cite Chargeback Guide 2.1.6.2.5.
Members should cite Chargeback Guide 2.1.6.2.6.
Members should cite Chargeback Guide 2.1.6.2.7.
Members should cite Chargeback Guide 2.1.6.2.8.
Members should cite Chargeback Guide 2.1.6.2.9.
2.1 Acceptance Procedures
2.1.6.3 Obtain the Cardholder’s Signature
In a face-to-face environment, the card acceptor must give the cardholder the option of a signature-based transaction. Unless the cardholder uses a PIN, the cardholder must sign the TID.
2.1.6.3.1 Compare Signatures
Unless the cardholder uses a PIN, the card acceptor must compare the
signature on the TID with the signature on the card to determine whether they appear to be the same.
2.1.6.3.2 Discrepancy Between Signatures
If the card acceptor believes that the signature on the card does not match the signature on the TID, the card acceptor must contact the acquirer for
instructions. The signature would not match if the signature panel were signed “Jan H. Hanley” and the sales receipt “Bob Hanley” or “F. Hanley.” The signature would be acceptable if signed “Jan H. Hanley,” “J. H. Hanley” or “Jan Hanley.” The signature would be acceptable if a title such as Mr., Mrs., or Dr. is missing or is included.
2.1.6.3.3 Signature Not Required
Transactions based on mail orders, phone orders, preauthorized orders, electronic commerce orders, MasterCard Guaranteed Reservations, Advanced Resort Deposits and Express Checkouts may be completed without the cardholder’s signature. The card acceptor must type or legibly print on the signature line of the TID the letters “TO”, “MO”, “PO”, “EC”, “Guaranteed Reservation/No Show,” “Signature on File – Express Check-out,” or “Advance Deposit” as appropriate. The card acceptor must retain and make available to the acquirer upon request the cardholder’s written request to the card acceptor for preauthorization. The card acceptor must not deliver goods or perform services covered by a preauthorization after receiving notification that the preauthorization is canceled or that the MasterCard card covered by the preauthorization is not to be honored.
2.1.6.3.4 PIN as Substitute for Signature
At points of interaction where MasterCard authorizes the use of a PIN as a cardholder verification method (CVM), the card acceptor is not required to obtain the cardholder’s signature if the cardholder uses a PIN.
The card acceptor must obtain a successful PIN validation when PIN is used at a hybrid terminal as a CVM for credit transactions.
Members should cite Chargeback Guide 2.1.6.3.
Members should cite Chargeback Guide 2.1.6.3.1.
Members should cite Chargeback Guide 2.1.6.3.2.
Members should cite Chargeback Guide 2.1.6.3.3.
Members should cite Chargeback Guide 2.1.6.3.4.
2.1 Acceptance Procedures
2.1.6.4 Give the Cardholder a Copy of the Receipt
The card acceptor must provide the cardholder with a true and completed copy of the TID.