8   Country Specific Policies

8.1     Country Specific Policies

 

a.The table below defines the applicable requirements and thresholds in each Country.

i.POS Capability: POS Terminals must be capable and Cards must be accepted in accordance with Chip and/or PIN requirements listed in Section 2.1, "In-Person Charges".

ii.Contact Limit: Maximum Amount for a Contact Transaction with No CVM.

iii.Contactless Limit: Maximum Amount for a Contactless Transaction with No CVM

iv.Aggregated Limit: Aggregated Charge Limit

v.Retention: Record Retention Period

vi.FFR: Merchants in these countries are subject to the Fraud Full Recourse Programme (see Section 5.11, "Fraud Full Recourse Programme".)

vii.EMV FLS: Transactions in these countries are subject to the following Chargebacks: EMV counterfeit (ISO 4798) listed as “Counterfeit” and/or EMV Lost/Stolen/Non Received (ISO 4799) listed as “Lost/Stolen”.

Country

POS Capability

Contact Limit

Contactless Limit

Aggregated Limit

Retention

FFR

EMV FLS

Section

2.1.1 / 2.1.2

2.1.4

2.1.5

2.3.2

2.5

5.11

5.6.3

Argentina

Chip Only Country

ARS 1,000

ARS 8,000

USD 15

36 months

Y

Counterfeit

Australia

Chip and PIN Country

AUD 35 

AUD 200

AUD 15

12 months

Y

Counterfeit

Austria

Chip and PIN Country

EUR 01

EUR 50

EUR 15

18 months

N

Counterfeit, Lost/Stolen

Belgium

Chip and PIN Country

EUR 01

EUR 50

EUR 15

18 months

Y

Counterfeit, Lost/Stolen

Canada

Chip and PIN Country

CAD 50

CAD 250

USD 15

24 months

Y

Counterfeit, Lost/Stolen

Denmark

Chip and PIN Country

DDK 01

DDK 350

DDK 100

18 months

Y

Counterfeit, Lost/Stolen

Finland

Chip and PIN Country

EUR 01

EUR 50

EUR 10

18 months

Y

Counterfeit, Lost/Stolen

France

Chip and PIN Country

EUR 01

EUR 50

EUR 15

18 months

Y

Counterfeit, Lost/Stolen

Germany

Chip and PIN Country

EUR 01

EUR 50

EUR 15

18 months

N

Counterfeit, Lost/Stolen

Iceland

Chip and PIN Country

ISK 01

ISK 7,500

10 GBP

18 months

Y

Counterfeit, Lost/Stolen

Hong Kong (Special Administrative Region of China)

Chip Only Country

HKD 1,000

HKD 1,000

USD 15

12 months

Y

Counterfeit

India

Chip and PIN Country

INR 0

INR 5,000

USD 15

12 months

Y

Counterfeit

Italy

Chip and PIN Country

EUR 01

EUR 50

EUR 15

18 months

Y

Counterfeit, Lost/Stolen

Japan

Chip Only Country

JPY 15,000

JPY 15,000

JPY 1,200

12 months

N

Counterfeit

Luxembourg

Chip and PIN Country

EUR 01

EUR 50

EUR 15

18 months

Y

Counterfeit, Lost/Stolen

Mexico

Chip and PIN Country

MXN 250

MXN 1,500

USD 15

12 months

Y

Counterfeit, Lost/Stolen

Netherlands

Chip and PIN Country

EUR 01

EUR 50

EUR 15

18 months

Y

Counterfeit, Lost/Stolen

New Zealand

Chip and PIN Country

NZD 100

NZD 200

USD 15

12 months

Y

Counterfeit

Norway

Chip and PIN Country

EUR 01

NOK 500

NOK 100

18 months

Y

Counterfeit, Lost/Stolen

Singapore

Chip Only Country

SGD 200

SGD 200

USD 15

12 months

Y

Counterfeit

Spain

Chip and PIN Country

EUR 01

EUR 50

EUR 15

18 months

Y

Counterfeit, Lost/Stolen

Sweden

Chip and PIN Country

SEK 01

SEK 400

SEK 100

18 months

Y

Counterfeit, Lost/Stolen

Taiwan (Province of China)

Chip Only Country

TWD 3,000

TWD 3,000

USD 15

12 months

Y

Counterfeit

United Kingdom

Chip and PIN Country

GBP 01

GBP 100

GBP 10

18 months

Y

Counterfeit, Lost/Stolen

United States

Chip and PIN Country

USD 200

USD 200

USD 15

24 months

Y

Counterfeit, Lost/Stolen

1   Unless it is a Transaction conducted at an unattended terminal for transport fares and parking fees only. The limit for such Transactions will be the corresponding Maximum Amount for a Contactless Transaction with No CVM.