Networks (Credit and PIN Debit) Minimum Receipt Requirements : Support Services

Visa (Credit and PIN Debit) Minimum Receipt Requirements Face-to-Face Card Acceptance Environment
General Receipt Requirements		Additional Surcharge Requirements
Sales	Refund/Credit	Sale	Refund/Credit
Merchant Name Merchant location (city and state/province) Transaction amount indicated in Transaction Currency Transaction date/preparation date Account number or Token (at least 4 digits of the Account Number on the Cardholder Copy of the transaction receipt, remaining digits must be disguised or suppressed) Space for cardholder signature when applicable Authorization code Transaction type (purchase) Card network name = Visa Description of good and services Application label Application ID	Merchant Name Merchant location (city and state/province) Transaction amount indicated in Transaction Currency Transaction date/preparation date Account number or Token (at least 4 digits of the Account Number on the Cardholder Copy of the transaction receipt, remaining digits must be disguised or suppressed) Space for cardholder Transaction type (credit)	Surcharge amount must be separately on front of receipt in the same type font and size as other items Surcharge amount (placement) must be listed after the subtotal (allowing for any discounts) and before the final transaction amount Surcharge descriptor cannot be described as network-imposed surcharge. Should just say “surcharge”	Surcharge amount must be separately on front of receipt in the same type font and size as other items Surcharge amount (placement) must be listed after the subtotal (allowing for any discounts) and before the final transaction amount Surcharge descriptor cannot be described as network-imposed surcharge. Should just say “surcharge”

Visa requires a completed transaction receipt (paper or electronic) to be provided to a Cardholder, for the following:

Purchases (magnetic stripe, contact and contactless)
Deferred Payment Transactions
Recurring Transactions
Electronic Commerce Transactions

Visa required a completed transaction receipt (paper or electronic) to be provided to a Cardholder, upon the cardholders request, for the following:

Transactions at Unattended Cardholder Activated Terminals
Automated Fuel Dispenser Transactions
ATM Cash Disbursements
Visa Easy Payment Services Transactions (small ticket)
Transactions at Contactless-Only Acceptance Devices

MasterCard (Credit and PIN Debit) Minimum Receipt Requirements Face-to-Face Card Acceptance Environment
General Receipt Requirements		Additional Surcharge Requirements
Sales	Refund/Credit	Sale	Refund/Credit
Merchant Name (Doing business as name) Merchant city and state, county Terminal ID Transaction date Account number or Token (must be truncated (reflect only last four digits and preceding digits replaced with fill characters such as Xs or #s) and card expiration data must be omitted) Transaction amount in original transaction currency Transaction type (purchase) Space for cardholder signature when applicable Authorization code Description and price of each product/service including tax Application label Application ID	Merchant Name (Doing business as name) Merchant city and state, county Transaction date Account number or Token (must be truncated and card expiration data must be omitted) Transaction amount in original transaction currency Transaction type (refund/credit) Space for cardholder signature when applicable Authorization code Description and price of each product/service including tax Merchant’s signature	Surcharge amount must be separately on front of receipt in the same type font and size as other items Surcharge amount (placement) must be listed after the subtotal (allowing for any discounts) and before the final transaction amount Surcharge descriptor cannot be described as network-imposed surcharge. Should just say “surcharge”	Surcharge amount must be separately on front of receipt in the same type font and size as other items Surcharge amount (placement) must be listed after the subtotal (allowing for any discounts) and before the final transaction amount Surcharge descriptor cannot be described as network-imposed surcharge. Should just say “surcharge”

MasterCard required a completed transaction receipt [also called a Transaction Information Document (TID)] to be provided to the Cardholder automatically, unless the Cardholder declines to receive one. A Transaction receipt must also be produced for a refund Transaction.

A Merchant is not required to provide the Cardholder with a copy of the Transction receipt if:

The Merchant offers and the Cardholder declines to receive a Transaction receipt; or
The Transaction is a QPS Transaction or Contactless Transaction that is equal to or less than the CVM limit or Contactless Transaction ceiling limit amount, as applicable,

And the Cardholder does not request a Transaction receipt;

The Transaction occurs at an unattended POS Terminal and the Cardholder selects NO when offered the options to receive or not receive a Transaction receipt.

A POS Terminal identified as a CAT 1, CAT 2, CAT 3 device and using MCC 5499 (Miscellaneous Food Stores) may be deployed without the capability to print a Transaction receipt at the time the Transaction is conducted; however, the Merchant must have a means by which to provide a receipt to the Cardholder upon request.

For contactless transactions that specify signature verification, the merchant must generate a receipt to be signed.

A Terminal that offers balance inquiry must provide the Cardholder an opportunity to receive a receipt reflecting (and may also display) Account balance information.

Discover (Credit and PIN Debit) Minimum Receipt Requirements Face-to-Face Card Acceptance Environment
General Receipt Requirements		Additional Surcharge Requirements
Sales	Refund/Credit	Sale	Refund/Credit
Card number or Token (it must be truncated to no more than the last four digits) Quantity and brief description of good/services Cardholder’s name as it appears on the card if present Merchant Name Merchant city/town, state/province Transaction amount (including tax, gratuity, and/or any Cash Over amount) Sales tax amount Cardholder’s signature when applicable Authorization code Transaction date Application ID Proper Acceptance Mark (e.g., Discover, JCB, Unionpay based on IIN Range)	Card number or Token (it must be truncated to no more than the last four digits) Quantity and brief description of good/services Cardholder’s name as it appears on the card if present Merchant Name Merchant city/town, state/province Transaction amount (including tax, gratuity, and/or any Cash Over amount) Sales tax amount Cardholder’s signature when applicable Authorization code Transaction date Date of credit Reason for credit Merchant employee’s signature Proper Acceptance Mark (e.g., Discover, JCB, Unionpay based on IIN Range)	Surcharge amount must be separately on front of receipt in the same type font and size as other items Surcharge amount (placement) must be listed after the subtotal (allowing for any discounts) and before the final transaction amount Surcharge descriptor cannot be described as network-imposed surcharge. Should just say “surcharge”	Surcharge amount must be separately on front of receipt in the same type font and size as other items Surcharge amount (placement) must be listed after the subtotal (allowing for any discounts) and before the final transaction amount Surcharge descriptor cannot be described as network-imposed surcharge. Should just say “surcharge”

Discover requires a transaction receipt for all transactions except for No Signature Required Card Sales unless one is requested by the cardholder.

American Express (Credit and PIN Debit) Minimum Receipt Requirements Face-to-Face Card Acceptance Environment
General Receipt Requirements		Additional Surcharge Requirements
Sales	Refund/Credit	Sale	Refund/Credit
Merchant Name (Doing business as name) Merchant city and state, county Transaction date Account number or Token (must be truncated (reflect only last four digits and preceding digits replaced with fill characters such as Xs or #s) and card expiration data must be omitted) Transaction amount in original transaction currency Cardmember’s signature Authorization code Application ID Description and price of each product/service including tax	Merchant Name (Doing business as name) Merchant city and state, county Transaction date Account number or Token (must be truncated (reflect only last four digits and preceding digits replaced with fill characters such as Xs or #s) and card expiration data must be omitted) Transaction amount in original transaction currency Cardmember’s signature Authorization code Description and price of each product/service including tax	N/A	N/A

PIN DEBIT Networks Minimum Receipt Requirements Face-to-Face Card Acceptance Environment
Network	General Receipt Requirements		Additional Surcharge Requirements
Network	Sale	Refund/Credit	Sale	Refund Credit
PIN Debit (Star, Pulse, NYCE,)	Merchant Name Merchant address, city, state Merchant ID number or terminal number Date and time of transaction Type of transaction (sale, return, withdrawal) Amount Last 4 digits of the card number Application ID		Verbiage clearly indicating that the additional fee is imposed by the merchant or terminal owner If changing a fee, must show amount plus fee and grand total
PIN Debit Interlink	Merchant name Terminal location Transaction amount Transaction date Transaction type (e.g., payment from Primary Account) Account number or Token (only last four) Trace number (transaction number) Application ID	Merchant Name Terminal location Transaction amount Transaction date Transaction type (e.g., payment from Primary Account) Account number or Token (only last four) Trace number (transaction number)	If charging a fee, must show amount plus fee and grand total

PIN DEBIT Networks Minimum Receipt Requirements Face-to-Face Card Acceptance Environment
Network	General Receipt Requirements		Additional Surcharge Requirements
	Sale	Refund/Credit	Sale	Refund Credit
PIN Debit Maestro	Merchant name Merchant outlet ID POS terminal number Merchant city and state, country Transaction amount Transaction date Transaction type (purchase) Account type (if supported) Account number or Token (must be truncated (reflect only last four digits and preceding digits replaced with fill characters such as Xs or #s) and card expiration data must be omitted) Trace number Application ID Transaction time Authorization code	Merchant name Merchant outlet ID POS terminal number Merchant city and state, country Transaction amount and Transaction date Transaction type (refund) Account type (if supported) Account number or Token (must be truncated (reflect only last four digits and preceding digits replaced with fill characters such as Xs or #s) and card expiration data must be omitted) Trace number Transaction time Authorization code	If changing a fee, must show amount plus fee and grand total

PIN DEBIT Networks Minimum Receipt Requirements Face-to-Face Card Acceptance Environment
Network	General Receipt Requirements
	Sale	Balance Inquiry		Remote Benefit Services (RBS)
WIC	Merchant name Merchant outlet ID POS terminal number Merchant city and state, country Transaction amount Transaction date Transaction type (purchase) Account type (if supported) Account number or Token (must be truncated (reflect only last four digits and preceding digits replaced with fill characters such as Xs or #s) and card expiration data must be omitted) Trace number Application ID Transaction time Authorization code WIC food item identifier (if a separate WIC Purchase receipt is not provided) Benefit expiration date and time Purchased food items including the food item quantity, description and unit of measure Unit cost Benefits remaining, including benefit description, quantity, and unit of measure		Merchant name Merchant outlet ID POS terminal number Merchant city and state, country Transaction amount Transaction date Transaction type (purchase) Account type (if supported) Account number or Token (must be truncated (reflect only last four digits and preceding digits replaced with fill characters such as Xs or #s) and card expiration data must be omitted) Trace number Transaction time Authorization code Benefit expiration date or benefit effective and benefit ending dates; Benefits available, even if zero balance, including benefit description, quantity, and unit of measure If provided at the beginning of the transaction, data reflects the opening benefit balance; If provided at the end of the transaction, data reflect the ending benefit balance	Merchant name Merchant outlet ID POS terminal number Merchant city and state, country Transaction amount Transaction date Transaction type (purchase) Account type (if supported) Account number or Token (must be truncated (reflect only last four digits and preceding digits replaced with fill characters such as Xs or #s) and card expiration data must be omitted) Trace number Transaction time Authorization code Benefit expiration date or benefit effective and benefit ending dates Benefits loaded, including the benefit description, quantity, and unit of measure Benefits available, even if zero balance, including benefit description, quantity, and unit of measure

For Cash Merchandise Refunds, the rules state that each Cash Merchandise Refund may be processed only with the card that initiated the original Transaction and to the Cash Account from which the funds were debited. The POS Terminal Operator must print on the receipt for a Cash Merchandise Refund the Available Balance communicated by the CAS.

For SNAP Transactions, the rules state that upon completion of an Authorized SNAP Purchase, SNAP Merchandise Refund or SNAP Transaction declined for insufficient funds, the POS Terminal Operator must print the Available Balanc communicated by the CAS on the receipt.

Merchant Receipt Retention Minimum Timeframe

Network	Timeframe
Visa	4 months after the processing date
MasterCard	13 months from the processing date
Discover	1 year minimum
American Express Opt Blue	24 months for all merchants

Networks (Credit and PIN Debit) Minimum Receipt Requirements

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