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Networks (Credit and PIN Debit) Minimum Receipt Requirements

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;

Or

  • 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

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
    1. If provided at the beginning of the transaction, data reflects the opening benefit balance;
    2. 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

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