{"id":45,"date":"2008-02-06T01:57:04","date_gmt":"2008-02-06T01:57:04","guid":{"rendered":"http:\/\/3dmerchant.com\/blog\/merchant-bulletins-downloads\/"},"modified":"2026-05-20T11:53:04","modified_gmt":"2026-05-20T16:53:04","slug":"merchant-bulletins-downloads","status":"publish","type":"page","link":"https:\/\/3dmerchant.com\/blog\/merchant-bulletins-downloads","title":{"rendered":"Merchant Alerts &#038; Rules Links"},"content":{"rendered":"<p>Download Visa and MasterCard critical bulletins (PDF), this pages was updated May 2026. Many of the rules only change every year or two. <a href=\"https:\/\/3dmerchant.us1.list-manage.com\/subscribe?u=b62a9a3effa2f4c6c81a9fa51&amp;id=3a89870141\">Subscribe to our newsletter for announcements of card brand updates<\/a>.<\/p>\n<h1>CARD BRAND ACCEPTANCE RULES<\/h1>\n<ul>\n<li><a href=\"https:\/\/www.mastercard.us\/content\/dam\/public\/mastercardcom\/na\/global-site\/documents\/mastercard-rules.pdf\">MasterCard Acceptance Rules<\/a> (PDF) download from MasterCard site. See all <a href=\"https:\/\/www.mastercard.us\/en-us\/business\/overview\/support\/rules.html\" target=\"_blank\" rel=\"noopener\">MasterCard Rules<\/a> (link)<\/li>\n<li><a href=\"https:\/\/usa.visa.com\/dam\/VCOM\/download\/about-visa\/visa-rules-public.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><strong><span style=\"color: #ff0000;\">Visa Core Rules and Visa Product and Service Rules <\/span><\/strong><\/a>PDF download from Visa site. Part of Visa International Operating Guidelines. Over 900 pages of information including comprehensive dispute and chargeback information for merchants. <a href=\"https:\/\/usa.visa.com\/support\/small-business\/regulations-fees.html\" target=\"_blank\" rel=\"noopener noreferrer\">Visit Visa<\/a> for more merchant info.<\/li>\n<li><a href=\"https:\/\/www.americanexpress.com\/us\/merchant\/merchant-regulations.html\" target=\"_blank\" rel=\"noopener\"><strong>American Express Merchant Policy Guide <\/strong><\/a>(link to site) Amex now requires merchant login to access some documents<\/li>\n<li><strong><a title=\"mastercard chargeback guide\" href=\"https:\/\/www.mastercard.us\/content\/dam\/mccom\/global\/documents\/chargeback-guide.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">MasterCard Chargeback Guide<\/a><br \/>\n<\/strong><\/li>\n<\/ul>\n<h1>Visa (official site)<\/h1>\n<ul>\n<li><a href=\"https:\/\/usa.visa.com\/support\/small-business\/regulations-fees.html\" target=\"_blank\" rel=\"noopener noreferrer\">Visa Surcharge Rules<\/a><\/li>\n<li><span style=\"color: #ff0000;\"><strong>Visa Stored Credential Mandate &amp; Framework &#8211; Improving Authorization Management for Transactions with Stored Credentials<\/strong><\/span> <a href=\"https:\/\/usa.visa.com\/dam\/VCOM\/global\/support-legal\/documents\/stored-credential-transaction-framework-vbs-10-may-17.pdf\">https:\/\/usa.visa.com\/dam\/VCOM\/global\/support-legal\/documents\/stored-credential-transaction-framework-vbs-10-may-17.pdf<\/a><\/li>\n<li><span style=\"color: #ff0000;\"><strong>Visa Clarifications on Stored Credentials and MIT Framework Mandates<\/strong> <\/span>https:\/\/usa.visa.com\/dam\/VCOM\/global\/support-legal\/documents\/visa-clarifications-on-stored-credentials.pdf<\/li>\n<li><a title=\"visa download library\" href=\"https:\/\/usa.visa.com\/support\/merchant\/library.html\" target=\"_blank\" rel=\"noopener noreferrer\">Visa comprehensive Merchant Resource download library<\/a><\/li>\n<li><a title=\"Visa USA Data Security Alerts and Vulnerabilities\" href=\"https:\/\/usa.visa.com\/merchants\/protect-your-business\/cisp\/data-security-alerts.jsp\" target=\"_blank\" rel=\"noopener noreferrer\">Data Security Alerts, Bulletins &amp; Webinars<\/a><\/li>\n<li><a title=\"visa merchant chargeback guidelines 2013\" href=\"https:\/\/usa.visa.com\/dam\/VCOM\/download\/merchants\/chargeback-management-guidelines-for-visa-merchants.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Chargeback Management Guidelines for Visa Merchants<\/a><\/li>\n<li>Card Acceptance Guidelines for Visa Merchants<\/li>\n<li>Visa EMV Overview<\/li>\n<li><a title=\"interchange rates\" href=\"https:\/\/3dmerchant.com\/blog\/interchange-2\/\">Visa and Mastercard Interchange Rates <\/a><\/li>\n<li>\n<h2 class=\"nav-anchor-target\"><a href=\"https:\/\/usa.visa.com\/support\/merchant\/library\/visa-merchant-business-news-digest.html\" target=\"_blank\" rel=\"noopener noreferrer\">Visa Merchant Business News Digest<\/a> &#8211; <strong>Good resource for IT, ERP\/Accounting, Compliance officers<\/strong><\/h2>\n<\/li>\n<\/ul>\n<h1>MasterCard (official site)<\/h1>\n<ul>\n<li><a title=\"emv mastercard\" href=\"https:\/\/www.mastercardadvisors.com\/_assets\/pdf\/emv_us_aquirers.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">MasterCard EMV Guiding Principles for Acquirers<\/a> &#8211; even though not directed at merchants, very insightful<\/li>\n<li><a title=\"mastercard the future of payments\" href=\"https:\/\/www.mastercard.us\/mchip-emv.html\" target=\"_blank\" rel=\"noopener noreferrer\">MasterCard Future Payments Guide<\/a><\/li>\n<\/ul>\n<h1><a title=\"discover merchants\" href=\"https:\/\/www.discovermerchants.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Discover Merchant<\/a> site<\/h1>\n<h2>LINKS<\/h2>\n<ul>\n<li><a href=\"https:\/\/twitter.com\/3dmerchant\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/twitter.com\/3dmerchant<\/a> Not signed up for my monthly newsletter? Look to past tweets and links to critical information.<\/li>\n<li><a href=\"https:\/\/www.pcisecuritystandards.org\/tech\/download_the_pci_dss.htm\" target=\"_blank\" rel=\"noopener noreferrer\">PCI Data Security Standard<\/a> OFFICIAL WEB SITE<\/li>\n<li>Visa response codes <a href=\"https:\/\/developer.visa.com\/request_response_codes\" target=\"_blank\" rel=\"noopener\">https:\/\/developer.visa.com\/request_response_codes<\/a><\/li>\n<li><a href=\"https:\/\/www.minneapolisfed.org\/%7E\/media\/files\/about\/what-we-do\/final-2016-payments-fraud-liability-matrix.pdf?la=en\">Payments Fraud Liability Matrix<\/a> [pdf], April 2018 Federal Reserve (Checks and Credit Cards) TIP- it&#8217;s a neat reference, but outdated almost the minute it went to print. When acquirers are liable, they pass it on to merchants. Link to the <a href=\"https:\/\/www.federalreserve.gov\/paymentsystems\/fr-payments-study.htm\" target=\"_blank\" rel=\"noopener noreferrer\">Federal Reserve Payments study<\/a> history.<\/li>\n<li>Surcharge Statutes Related to Credit of Debit Card by <span id=\"dnn_dnnCopyright_lblCopyright\" class=\"SkinObject\">National Conference of State Legislatures. With no updates since 2016, it&#8217;s woefully out of date<br \/>\n<\/span><\/li>\n<li>PSD2 https:\/\/www.europeanpaymentscouncil.eu\/<\/li>\n<\/ul>\n<h1>3D Merchant Newsletters<\/h1>\n<p>USA merchants may sign up for our monthly email. Email addresses with Foreign countries and free email services will be deleted. We provide a valuable service to prospective clients and we ask that you share your business email which will be kept private, not shared, and every email has an instant unsubscribe.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Download Visa and MasterCard critical bulletins (PDF), this pages was updated May 2026. Many of the rules only change every year or two. Subscribe to our newsletter for announcements of card brand updates. CARD BRAND ACCEPTANCE RULES MasterCard Acceptance Rules &hellip; <a href=\"https:\/\/3dmerchant.com\/blog\/merchant-bulletins-downloads\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-45","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.0.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Download Visa and MasterCard critical merchant bulletins on data security, fees, Visa Secure, POS PIN entry device, and compliance issues.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/3dmerchant.com\/blog\/merchant-bulletins-downloads\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 5.0.0.1\" \/>\n\t\t<meta property=\"og:locale\" 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