Necesidades y requerimientos para el laboratorio de fabricación digital

An Acquirer must ensure that none of its Merchants engage in any of the prohibited practices set forth in this Rule.

5.11.1 Discrimination

A Merchant must not engage in any acceptance practice that discriminates against or discourages the use of a Card in favor of any other acceptance brand.

NOTE: Modifications to this Rule appear in the “Asia/Pacific Region,” “Europe Region,” “United States Region,” and “Additional U.S. Region and U.S. Territory Rules” chapters.

5.11.2 Charges to Cardholders

A Merchant must not directly or indirectly require any Cardholder to pay a surcharge or any part of any Merchant discount or any contemporaneous finance charge in connection with a Transaction. A Merchant may provide a discount to its customers for cash payments. A Merchant is permitted to charge a fee (such as a bona fide commission, postage, expedited service or convenience fees, and the like) if the fee is imposed on all like transactions regardless of the form of payment used, or as the Corporation has expressly permitted in writing.

For purposes of this Rule:

1. A surcharge is any fee charged in connection with a Transaction that is not charged if another payment method is used.

2. The Merchant discount fee is any fee a Merchant pays to an Acquirer so that the Acquirer will acquire the Transactions of the Merchant.

NOTE: Modifications to this Rule appear in the “Asia/Pacific Region,” “Canada Region” and “Additional U.S. Region and U.S. Territory Rules” chapters.

5.11.3 Minimum/Maximum Transaction Amount Prohibited

A Merchant must not require, or indicate that it requires, a minimum or maximum Transaction amount to accept a valid and properly presented MasterCard or Maestro Card.

NOTE: A modification to this Rule appears in the “Additional U.S. Region and U.S. Territory Rules” chapter.

5.11.4 Scrip-dispensing Terminals

The Acceptance Marks must not be displayed at any POS Terminal, ATM Terminal, or PIN- based In-Branch Terminal that dispenses scrip.

A Merchant must not submit to its Acquirer, and an Acquirer must not submit to the Interchange System, any Transaction that arises from the acceptance of a Card at a scrip- dispensing Terminal.

NOTE: A modification to this Rule appears in the “Europe Region” chapter.

5.11.5 Existing MasterCard Cardholder Obligations

A Merchant must not submit to its Acquirer, and a Customer must not submit to the Interchange System, any Transaction that:

1. Represents the refinancing or transfer of an existing MasterCard Cardholder obligation that is deemed to be uncollectible; or

2. Arises from the dishonor of a MasterCard Cardholder’s personal check.

A Merchant may submit a Transaction identified with MCC 6051 (Quasi-Cash—Merchant) for the payment of an existing Cardholder obligation owed to the Merchant.

NOTE: A modification to this Rule appears in the “Europe Region” chapter.

5.11.6 Cardholder Right of Dispute

A Merchant must not impose, as a condition of MasterCard or Maestro Card acceptance, a requirement that the Cardholder waive a right to dispute a Transaction.

5.11.7 Illegal or Brand-damaging Transactions

A Merchant must not submit to its Acquirer, and a Customer must not submit to the

Interchange System, any Transaction that is illegal, or in the sole discretion of the Corporation, may damage the goodwill of the Corporation or reflect negatively on the Marks.

The Corporation considers any of the following activities to be in violation of this Rule:

1. The sale or offer of sale of a product or service other than in full compliance with law then applicable to the Acquirer, Issuer, Merchant, Cardholder, Cards, or the Corporation. 2. The sale of a product or service, including an image, which is patently offensive and lacks

serious artistic value (such as, by way of example and not limitation, images of

nonconsensual sexual behavior, sexual exploitation of a minor, nonconsensual mutilation of a person or body part, and bestiality), or any other material that the Corporation deems unacceptable to sell in connection with a Mark.

An Acquirer that has been notified of a Merchant’s noncompliance with this Rule and that fails promptly to cause the noncompliant practice to cease, or that has been notified multiple times regarding violations of this Rule, is subject, at the Acquirer’s expense, and in addition to any other noncompliance assessment or other discipline, or both, to any one or more of the following:

Acquiring 5.11 Prohibited Practices

1. Customer Risk Review under the Global Risk Management Program as described in the Security Rules and Procedures manual.

2. An audit at the sole expense of the Acquirer by a third party selected by the Corporation, of the Acquirer’s acquiring practices. The Corporation may list a MasterCard Merchant which the Corporation determines is noncompliant with this Rule on the MATCH system. (See Chapter 11 of the Security Rules and Procedures manual.)

An Acquirer in violation of this Rule may be assessed, with respect to each Merchant, entity, affiliate, agent, or person on whose behalf the Acquirer submits illegal or brand-damaging Transactions into interchange:

• USD 200,000 or

• USD 2,500 per day, retroactive to the first day of the noncompliant practice, provided the Acquirer can show clear and convincing evidence that such noncompliant practice began less than 80 days prior to the date of the Corporation’s notification to the Acquirer.

5.11.8 Disparagement

NOTE: A Rule on this subject appears in the “Additional U.S. Region and U.S. Territory Rules” chapter.

5.11.9 MasterCard Tokens

Neither an Acquirer nor any of the Acquirer’s Merchants or Service Providers, including but not limited to any such entity that the Corporation has registered as a Token Requestor, may use Account or Transaction data to create or maintain a repository of MasterCard Token primary account numbers (PANs) and corresponding Account PANs or perform mapping of MasterCard Token PANs to Account PANs for any purpose.

The PAN of a MasterCard Card or Access Device or any Maestro Card or Access Device for which Maestro is the primary Payment Application must not be replaced by, mapped to, or Tokenized with any PAN issued from an Issuer Identification Number (IIN) reserved by the ISO Registration Authority for a competing payment network. Refer to the current ISO Register Of Issuer Identification Numbers for more information.