A Message from Luc Hellinckx...Consolidated Billing System (MCBS). The seminar fee will be identified via the relevant billing event (refer to the MCBS Manual for details about MasterCard

2

For any questions : [email protected] To register: http://www.mastercardacademy.com

A Message from Luc Hellinckx

Head of MasterCard Academy

We all know that the better you understand your financial marketplace, the better placed you are to

operate in it. It is with this in mind that I am proud to provide you with the MasterCard Academy

catalogue for 2013.

Our seminars are specially designed to extend the skills and knowledge of your staff. In today’s

financial environment staff is more than ever one of your best assets, and the most successful

companies empower their staff to drive business growth and at the same time manage risk.

Knowledge of the core business is the key to efficient operations today, especially in terms of ‘big

picture’ understanding of how everything fits together. To this end, we have created a “101” Business

Overview category which includes a number of brand new seminars, covering key areas such as chip,

issuing, acquiring and compliance.

Business development is the key to sustained development in the future, and we have created new

programs in cutting-edge areas such as contactless proximity payments with a smart phone.

As you prepare for 2013 and look at your strategy for the coming years, I recommend these programs

to you and hope you will take advantage of them. Through them, you will gain a greater

understanding of the challenges and opportunities ahead, and be far better equipped to address

them.

The Academy Faculty and I hope to have the pleasure of meeting you at one of our seminars.

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About The Faculty

“Providing our Participants and Partners with professional insights, skills and

knowledge enabling you to be more successful and profitable in the payments

industry”

The MasterCard Academy draws on the strength of the global MasterCard Organization to provide

dedicated trainers with proven expertise in their field. The vast majority of the Academy faculty is

MasterCard staff whose daily activities give them the state-of-the-art knowledge on the subjects in

which they train. In addition we frequently invite payment industry experts to provide seminar in areas

where specific expertise is required and guest speakers from the industry are invited to join our

trainers to add the benefit of their hands-on experience in certain programs.

This global reach allows the Academy to bring best practices and recent developments from all over

the world into the seminar room. The seminars are updated each time they are given and the

information provided is relevant to the participants’ day-to-day responsibilities so that learning can be

applied immediately.

English is the standard language used for all of our seminars. However by using multi-lingual staff and

interpreters, we are also able to offer customized seminars in other languages.

What the people say…..

“An excellent trainer - everyone who works in card business should take a course

with this trainer” Passport for success

“Very good trainer. Gave very clear and straightforward answers to the questions” Introduction to Chargebacks

“Activity based training is an excellent way of learning” Profitability Quest

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Terms and Conditions

For Open enrolment seminars

Registration

Registration for MasterCard Academy seminars may be done via our website:

http://www.mastercardacademy.com

Seminar Fees

The fee is indicated for each seminar. The fee of the seminar includes the seminar fee, the seminar materials and

lunch during the seminar (it does not include breakfast, dinner, travel and accommodation costs).

‘Early Bird’ Rates

All of our seminars have an ‘Early Bird’ offer: if you register for the seminar no less than 4 weeks before the

seminar date, you benefit from a discounted seminar rate. Make sure that you register no less than 4 weeks

before the seminar date to get these great rates!

Registration Acknowledgement

When you register for a seminar via our website you will receive an automated acknowledgement. This confirms

that your registration has been successful. Please do not make non-cancellable travel arrangements until the

seminar is confirmed.

Seminar Confirmation

Assuming that the seminar meets the minimum number of required participants, MasterCard Academy will send

you a confirmation. You will receive this confirmation approximately 3 weeks prior to the seminar date.

You will also receive the definitive agenda and the details of the seminar location as well as a list of hotels close

by, so that you can make your own accommodation arrangements.

Cancellation Policy

Cancellation by the Participant

You may transfer your registration to another participant, if you communicate this to MasterCard

Academy in writing prior to the seminar date.

All cancellations received in writing at least three weeks prior to the seminar date. In this case, no

cancellation fee will be applied.

All cancellations received in writing less than three weeks but before the seminar date will be charged

75% of the seminar fee.

No‐shows will be charged 100% of the seminar fee.

Cancellation by MasterCard Academy

MasterCard Academy reserves the right to cancel 3 weeks prior to the published date any seminar which

does not meet the required minimum number of participants.

http://www.mastercardacademy.com/

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Support to Obtain a Visa

If you need to obtain a visa to travel to the seminar location, please advise us when registering. You will receive

an electronic image of an invitation letter by email.

If you require an original (paper) version of the invitation letter, there will be a charge of 40 EUR to cover the

express delivery charges.

In case of modifications to the invitation letter or additional support, there may be an additional charge of up to

200 EUR to cover administration costs.

Travel & Accommodation

Travel and accommodation costs are not included in the seminar fee.

Once the seminar has been confirmed we will provide you with a list of hotels close to the location. You make

your own bookings and pay all your accommodation expenses directly to the hotel.

Certificate of Participation

All participants receive a signed certificate upon completion of an Academy open seminar.

Special Taxi Fares for Belgium

When attending a seminar in Belgium, you can benefit from preferential taxi fares that have been secured by

MasterCard Europe.

Send an email to MasterCard Academy to obtain further details about these preferential rates once you have

made your booking.

Dress Code

Business casual is appropriate for all seminars, unless otherwise specified.

Language

All seminars and material are in English, unless otherwise specified.

Billing

Participants with an account at the Settlement Bank will be invoiced automatically via the MasterCard

Consolidated Billing System (MCBS). The seminar fee will be identified via the relevant billing event (refer to the

MCBS Manual for details about MasterCard Academy billing events).

Participants that do not have an account at the Settlement Bank may be asked to pay the seminar fee in

advance.

IMPORTANT Please do not make any non‐refundable travel arrangements until you receive the

Seminar Confirmation. MasterCard Europe and/or MasterCard Academy cannot be held liable

for any non‐refundable travel costs that may be incurred.

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“101” Business Overview

7


Introduction to MasterCard Europe 8

Passport for Success 8

Four Party Model Economics & Interchange 9

Chip and Your Business 9

Issuing with MasterCard 10

Acquiring with MasterCard 10

Protecting your Business with MasterCard 11

Prepaid New Customer Onboarding 11

E-Commerce & Your Business 12

8


Building solid foundations for a future partnership Early Bird fee 1200

Standard fee 1450

Business Operations Technical

This three-day seminar provides an informative overview of the

products and services that MasterCard offers to its membership. At

the same time, the seminar provides an excellent understanding of

how the payment card business works.

With around 20 speakers from all of the major areas of the business,

this introduction seminar provides the most time and cost effective

means of bringing staff up to speed on how MasterCard Europe can

help you do business

Attend as well:

Issuing with MasterCard

Acquiring with MasterCard

Chip & Your Business

Dedicated to Central Eastern Europe Early Bird fee 950

Standard Fee 1150


This two-day seminar is designed specifically for newcomers to the

world of card payments in general and MasterCard in particular.

The seminar is delivered onsite to your offices and provides

participants with a comprehensive overview of the practical aspects of

card payments.

There is a strong focus on the MasterCard way of doing business, and

the seminar highlights important areas that participants need to

address in order to be compliant with MasterCard requirements.

Attend as well with Russian language support:

Exploring the EMV 4.2 Standard

MasterCard PayPass Technical Workshop

Security & Key Management for Chip Cards

Introduction to MasterCard Europe

Passport for Success

About MasterCard Europe

About the Four Party Model

Membership and licensing

Acceptance

Pricing and billing

Overview of Authorization,

Clearing & Settlement

Innovative Solutions

Fraud and risk management

Chargebacks

Four Party Model

BIN Management

Overview of Implementation

Overview of Authorization

Processing

Overview of Clearing &

Settlement

Overview of MCBS

Overview of Quarterly Member

Reporting (QMR)

Implementation

9


Interchange, Regulatory Update, Rules & Compliance Early Bird fee 680 Standard Fee 820


This one-day seminar explains interchange from both the business

and the technical perspective. It includes discussions about: economic

models; the process for setting interchange fee levels; the various

interchange programs that are available; technical requirements;

regulatory aspects.

This seminar is aimed at banks and payment service providers that

want to better understand the dynamics of interchange. It provides a

holistic overview of 4 party economics

Attend as well:



Chip and Your Business

The ABC of Chip Early Bird fee 680 Standard Fee 820


Chip has been around for quite some time (the first EMV specification

came out in 1996) and progress has been impressive. In fact, it can be

hard to get to grips with chip today.

This one-day seminar is designed to give an overview of what chip

brings to the business, such as protection against lost & stolen fraud,

counterfeit fraud, excessive cardholder spend, etc. It also covers the

various technologies that are available (such as contactless) and how

they can be harnessed to meet specific needs (such as Transit).

Attend as well:



Four Party Model Economics & Interchange


Chip & Your Business New!

Interchange methodology

Interchange programs

Interchange management

Technical – Interchange

structure and technical

requirements

Regulatory overview

Rules and compliance overview

Chip Basics

Chip Benefits

Issuer Controls

Acquirer Controls

About Contact Chip

About Contactless Chip

(PayPass)

About Transit Solutions

About M/Chip Card

Specifications

10


The ABC of Card Issuing Early Bird fee 950

Standard Fee 1150


This two-day interactive seminar is designed for new entrants to the

issuing business. It looks at the main revenue and cost drivers, and

helps participants understand how they can influence them in order

to increase profitability.

Participants work in teams and take part in a card market simulation

which is activity-based, hands-on learning that is both effective and

fun. The simulation stimulates discussion on new ideas and allows

you to learn from other markets.

Attend as well:

Protecting your Business with MasterCard (Compliance)


Profitable Card Management

The ABC of Card Acquisition Early Bird fee 680 Standard Fee 820


This one-day seminar is designed to provide newcomers to acquiring

with the groundings of good business practice.

Making extensive use of teamwork and assignments, the seminar will

cover the main activities an acquirer must perform, from recruitment

to termination.

In particular, the seminar will highlight actions that can be taken to

enhance profitability and mitigate risk.

Attend as well:



Dynamics of Merchant Acquiring

Issuing with MasterCard New!

Acquiring with MasterCard New!

Credit Card Market Simulation

MasterCard Products

Issuing Strategy

Issuer P&L

Managing a Profitable Card

Portfolio

Managing Credit Risk

Understanding Chargebacks

Compliance with MasterCard

rules and requirements

Acquiring Strategy

Acquiring P&L

Merchant Screening

Seminar Merchants on Card

Acceptance

Understanding Chargebacks

Managing a Merchant

Portfolio

Compliance with MasterCard

rules and requirements

11


Learn all about Compliance, AML, OFAC, Sanctions Early Bird fee 680

Standard Fee 820


In today’s day and age it is more vital than ever for a Payment

Institution (PI) to expand in order to maximize its profitability without

compromising the integrity of the business.

The card payments business is be-Commerce is becoming ever more

regulated, and PIs need to understand what they must, and perhaps

more importantly must not do in order to ensure that they comply

with the requirements at all levels.

This one-day seminar is designed to provide an overview of the main

elements that participants need to get to grips with.

Attend as well:


Introduction to Chargebacks

Get to Grips with Prepaid Early Bird fee 680

Standard Fee 820


Prepaid cards offer a tremendous business opportunity and the time is

right to take advantage of it.

Depending on the issuer set-up, prepaid cards can bring new players

into the payment cards business: from Prepaid Program Managers to

Prepaid Processors and the likes. Ensuring that all parties understand

what they should and should do is essential.

This one-day seminar will walk participants through the various steps

needed in order to launch and operate a Prepaid Program, in line with

requirements specified by MasterCard

Attend as well:



Protecting your Business with MasterCard (Compliance) New!

Prepaid New Customer Onboarding New!

Levels of Compliance within

the Card Payments Business

Role of MasterCard

MasterCard AML Policy

Understanding OFAC

Screening New Participants

Sanctions

Brand Protection

EU Regulatory

Membership, Eligibility and

Licensing

Anti Money Laundering (AML)

Card Design Requirements

Prepaid Product Delivery

12


Get the Most Out of your e-Commerce Business Early Bird fee 680

Standard fee 820


This one-day interactive seminar provides an overview of the e-

Commerce challenges and opportunities and a thorough explanation

of MasterCard’s e-Commerce solutions.

The seminar will explain how to address cardholder concerns about

the safety of online shopping, as well as e-Commerce merchants’

need for an enhanced payment guarantee.

You will also be encouraged to rethink how to optimize your e-

Commerce strategy with discussions around new innovative e-

Commerce solutions.

Attend as well:

MasterCard Mobile Proximity Payments Seminar

MasterCard PayPass™ and your Business


E-Commerce and your Business New!

The e-Commerce business

opportunity in Europe

MasterCard's e-Commerce

Solutions

Secure online shopping

solutions

How to increase e-Commerce

Usage & Activation

The future of e-Commerce

13


Issuer Business Development

14


Profitable Card Management 15

Advanced Credit Card Simulator 15

“Small Business” Cards 16

MasterCard PayPass™ and Your Business 16

MasterCard Mobile Proximity Payments 17

15


Making More Credit Cards More Profitable Early Bird fee 1200

Standard fee 1450


Correct management of each stage of the cardholder lifecycle can

make your portfolio perform better: this seminar addresses each

stage, providing suggestions and identifying pain points.

A major element of the seminar is the Credit Card Market Simulation

— teams make decisions about their product portfolio and see how it

performs, in direct competition with the other teams!

The three-day program is for staff in both new and established issuing

institutions. It is an excellent opportunity to share ideas and

experiences with participants from different markets.

Attend as well:

Issuing with MasterCard (Level I)

Advanced Credit Card Simulator (Level III)

Getting the most out of Chip

Enhance performance with a market simulation Early Bird fee 950

Standard Fee 1150


This intensely interactive two-day seminar looks at the key dynamics

that have an impact on a successful card portfolio.

Built essentially around the Credit Card Market Simulation, teams

make decisions about segmentation, recruitment, activation,

stimulating spend and borrowing, attrition and dormancy, credit

management and income dynamics.

The seminar is a refreshing consideration of the drivers of managing a

portfolio. Learning is based on peer group discussions, with a focus

on the issues that will drive your business in the future.

Attend as well:

Issuing with MasterCard (Level I)

Profitable Card Management (Level II)


Profitable Card Management

Advanced Credit Card Simulator


Dynamics of Profitability

Acquiring New Cardholders

Early Months on Books

Back of Books

Expanding the Portfolio

Promoting Card Use

Addressing Issues

Optimizing Operations

Managing Fraud & risk


Dynamics of the card

payments business

Maximizing income across your

portfolio

The changing competitive

landscape

16


Creating and Managing Profitable Small Business

Cards

Early Bird fee 680

Standard Fee 820


The small business card opportunity is largely unexploited across

Europe, with many small businesses using consumer cards to do their

business!

With healthy yearly card fees, higher average spend and higher

interchange rates, Small Business Cards are a great opportunity for

you to enhance the profitability of your card portfolio.

This highly practical one-day seminar will make extensive use of Best

Practices and teamwork to help you create and manage a Small

Business Card product that provides a real value-add to participants.

Attend as well:




Harness the Contactless Opportunity Early Bird fee 680

Standard Fee 820


MasterCard® PayPass™ contactless technology has been around for

some time, and the uptake in certain countries has been

phenomenal. Once participants experience the simplicity of the Tap

& Go™ concept, they want more of it!

This one-day seminar explains the business opportunity of contactless

and how PayPass can be put on cards, tags/stickers, key fobs,

watches and even mobile phones.

It focuses on the business drivers and the sharing of business &

marketing best practices from around the world in general and

Europe in particular.

Attend as well:

MasterCard® PayPass Technical Workshop

Getting the Most out of Chip

Exploring M/Chip Card Specifications

‘Small Business’ Cards New!

MasterCard® PayPass™ and Your Business New!

Small Business Card Product

Definition

Value-Add Offering from

MasterCard

Best Practices for your Small

Business Card Programme

Construct

Building your Product

Selling your Product

Future Trends

Contactless Basics – how it

works, form factors & benefits

Issuer and Acceptance business

drivers

Brief overview of an issuing

and an acquiring project

Best practices for Issuance

and Acceptance, including

marketing

17


Stay ahead of the mobile game Early Bird fee 950

Standard Fee 1150


Find out about the ins and outs of mobile proximity payments, from a

high-level business overview right down to the underlying technology.

The MasterCard Mobile Proximity Payments Seminar is an interactive

and down-to-earth program that provides all the relevant information

you need to know about mobile proximity payments.

This seminar, which is specifically designed for any issuer wanting to

find out about mobile payments, is presented in partnership with

Collis, the industry expert boasting years of experience in seminar

financial and mobile professionals in the latest technologies.

Attend as well:


How Chip Works for Debit and Credit

PayPass Technical Workshop

MasterCard Mobile Proximity Payments New!

MasterCard Mobile Proximity

Payments and Near Field

Communication (NFC)

Mobile NFC Eco System

MC PayPass

Mobile Implementation Project

with MC

PayPass Technical

specifications

Testing and approval

18


Acquirer Business Development

19


Dynamics of Merchant Acquiring 20

Advanced Acquiring Workshop 20

Merchant Acceptance Seminar 21

20


A Strategy for Modern Acquiring Early Bird fee 950

Standard Fee 1150


This two-day seminar explains how the modern acquiring

environment is evolving, and helps acquirers understand that they

need to have a sound knowledge of the market to stay competitive.

Aimed at banks that are already active in acquiring, but also members

considering adding acquiring to their card strategy, this seminar

addresses key issues such as: European market dynamics; acquiring

strategies; acquirer value chain; SEPA & PSD; multi-currency acquiring;

cross-border and central acquiring; market growth opportunities.

Attend as well:


Advanced Acquiring Workshop

Merchant Acceptance

Hot Topics in the Spotlight Early Bird fee 680

Standard fee 820


This one-day seminar complements the Dynamics of Merchant

Acquiring seminar and tackles issues that are of significant

importance in today’s complex acquiring market.

The agenda address the 'hot topics' that are relevant at the time of

the seminar. Examples of such items include: the challenge of

blended versus unblended interchange fees; preparation of merchant

terminal base to support combo cards; etc.

Also available as a dedicated onsite seminar, you can select the

topic(s) you wish to address in more detail.

Attend as well:


Merchant Acceptance

4 Party Model Economics – Interchange



Overview of the acquiring

models

Changing acquirer landscape

Acquirer profitability

The structure of the acquiring

business

New technology and

acceptance opportunities

Business build and market

growth potential (SEPA/PSD)

Cross-border acquiring

Currency conversion at the

point of interaction (DCC)

Interchange fees: blended

versus unblended

Upgrade of terminal base to

support combo cards

Etc…..

21


Develop Business and Prevent Chargebacks Early Bird fee 680

Standard fee 820


The last few years have seen the emergence of new types of

acceptance terminals, new types of transactions and indeed new

ways of transacting (e.g. via contactless payments using non-card

form factors such as key fobs, watches, mobile phones, etc.).

This one-day seminar is designed as a train-the-trainer program:

participants will familiarize themselves with correct acceptance

procedures, so that they can in turn train their merchants. Correct

cards acceptance is the easiest and cheapest way to avoid

chargebacks and prevent fraud losses.

Attend as well:




Merchant Acceptance Seminar

Acceptance Principles

Correct merchant acceptance

procedures, per major

acceptance merchant type

Handling exceptional

Transactions

Processing Chargebacks

Fighting fraud

Managing risk

22


IT & Operations

23


Authorization Operations 24

Clearing & Settlement Services 24

Settlement Operations 25

Financial Reconciliation Workshop 25

Authorization Workshop 26

MAS Simulator 26

Clearing Workshop 27

The Technology of Mobile Proximity Payments 27

MCPS simulator 28

MasterCard Connect Advanced 28

24


Learn how mobile payments happen Early Bird fee 680

Standard fee 820


Smart phones are getting smarter every day, and they are now

actively entering the payments space. This one-day seminar explains

how a smart phone can be used to perform a transaction at the point

of sale.

The seminar looks at how the wallet is designed and then deployed

onto the cardholder’s smart phone, and how the cardholder can

decide which card to use when.

Learn how the different specifications all come together to allow

cardholders to do transactions that are both easy and secure. Then

learn how to give live with MasterCard via the most speedy means.

Attend as well:

How Chip Works for Credit and Debit

PayPass Technical Workshop

e-Commerce and Your Business

Get to grips with the Authorization environment Early Bird fee 950

Standard Fee 1150


This two-day seminar covers authorization operations for acquirers

and issuers within the MasterCard processing environment.

For acquirers, the seminar covers critical areas such as: acceptance

terminals; merchant acceptance procedures; the quality of data

provided to the issuer; etc. For issuers, the seminar explains: the role

of the MasterCard network and the on-behalf services; issuer

authorization operations; Account Management System (AMS); etc.

Participants will gain a full understanding of authorization processing,

with key learning’s are reinforced through quizzes and challenges.

Attend as well:

Authorization Workshop

Clearing & Settlement Services

Financial Reconciliation Workshop

The Technology of Mobile Proximity Payments New!

Authorization Operations

Customer Goes Mobile

Designing a Wallet

Use Case scenarios

Wallet Deployment

User Selections

Architecture

Specifications

Implementation and Approvals

Technical Update

MasterCard authorization

infrastructure overview

Offline transactions

Online transactions

Network operations

On-behalf authorization

services

Account management system

(AMW)

System release principles

25


Get to grips with GCMS Early Bird fee 950

Standard Fee 1150


This two-day seminar provides an overview of clearing and

settlement.

Starting from the basics and building up to the details, participants

will benefit from a complete overview of clearing processing via

GCMS and settlement processing via SAM and the Settlement Bank.

It addresses important topics such as interchange fees and currency

conversion.

Throughout the seminar key learning messages are reinforced

through quizzes and challenges.

Attend as well:

Clearing Workshop


Settlement Operations

Optimize your Settlement Operations Early Bird fee 680

Standard fee 820


MasterCard offers highly flexible Settlement Services: you can use a

single Settlement Service for all of your business in Europe, or you can

participate in multiple Settlement Services. Understanding the

benefits and draw-backs is key to efficiency and profitability.

This one-day seminar provides in-depth explanations, going from

settlement set-up to settlement operations, not forgetting currency

conversion, Settlement Service constraints, and much more.

This very detailed seminar is specifically designed for staff already very

familiar with standard clearing & settlement operations.

Attend as well:

Clearing and Settlement Services

Clearing Workshop




Overview of Clearing &

Settlement

Processing cycles and cut-off

times

Clearing messages

Files & file transfer

Interchange fees

Currency conversion

Settlement Advisements

Member parameter extract file

(MPE)

About Settlement services

Currency conversion

Settlement service levels

Settlement criteria

Settlement setup design

Constraints in settlement

Fund transfer model in

MasterCard settlement

Settlement operations

26


Get to Grips with MasterCard data systems Early Bird fee 680

Standard fee 820


Do you find it challenging to reconcile your interchange, clearing and

settlement? Then this seminar is for you!

This one-day technical seminar takes a step-by-step look at that data

that is exchanged in the context of clearing and settlement — from

clearing message messages sent and received, to GCMS clearing

reports, not to mention the Settlement Advisements generated by the

Settlement Account Management (SAM) system.

This very detailed seminar is specifically designed for staff that is

already very familiar with standard clearing & settlement operations.

Attend as well:




Learn the technical aspects of the real-time world Early Bird fee 950

Standard fee 1150


This two-day technical seminar provides in-depth coverage of the

Customer Interface Specification (CIS) which specifies the format and

content of authorization messages which are exchanged between

participants via Banknet.

Participants will have the opportunity to follow brief demonstration of

the MasterCard Authorization Simulator (MAS).

This seminar is highly recommended for technical staff that are

responsible for developing the interface with Banknet.

Attend as well:


MAS Simulator

Clearing Workshop



Processing cut-offs

Interchange fee information in

clearing messages

GCMS financial messages

considered for reconciliation

Reconciliation reports

Settlement services &

settlement options

SAM & settlement advisements

MasterCard authorization

infrastructure

Structure and content of CIS

authorization messages

Session management

Key fields in real-time

messages

Link between authorization

and clearing

Demonstration of MAS

Simulator

Releases

27


Your partner for authorization testing Early Bird fee 680

Standard fee 820


The MasterCard Authorization Simulator (MAS) is a powerful tool

designed to allow MasterCard participants to test their authorization

interface to Banknet.

This one-day seminar familiarizes new users with the various

components of the simulator and takes participants through the steps

needed to configure the simulator according to their needs.

With this very interactive instructor-led seminar participants work on a

PC loaded with the MAS Simulator, quickly gaining a thorough

understanding of its features and functions.

Attend as well:


Clearing Workshop

MCPS Simulator

Explore the technical side of clearing & settlement Early Bird fee 950

Standard Fee 1150


This two-day technical seminar provides in-depth coverage of the

Integrated Product Message (IPM) clearing format.

A series of modules will take you through the most important

features of GCMS and IPM.

Thanks to some exercises, you will strengthen your knowledge of

GCMS and gain a deeper understanding of the IPM format.

This seminar is highly recommended for technical staff responsible for

developing the interface with GCMS.

Attend as well:




MAS Simulator

Clearing Workshop

MAS overview and architecture

Installation and configuration

usage in a MasterCard

implementation project

Simulator modules

Test preparation

Test monitor

Test results

Files and file transfer

About IPM data elements (DEs)

and private data elements

(PDEs)

IPM messages

Reconciliation

IPM file structure

IPM table

Pre-edit and utilities

MCPS - overview and demo

28


Clearing testing made easy Early Bird fee 680

Standard fee 820


The MasterCard Clearing Presentment Simulator (MCPS) is a powerful

tool designed to allow MasterCard participants to test their

authorization interface to Banknet. This one-day seminar familiarizes new users with the various

components of the simulator and takes participants through the steps

needed to configure the simulator according to their needs.

With this very interactive instructor-led seminar participants work on a

PC loaded with the MCPS Simulator, quickly gaining a thorough

understanding of its features and functions.

Attend as well:


Clearing Workshop

MasterCard Authorization Simulator (MAS)

.

Gain the full benefits of MasterCard Connect Early Bird fee 680

Standard fee 820


MasterCard recently migrated from MasterCard Online to MasterCard

Connect.

Familiarize yourself with our redesigned platform. Learn how to

customize the interface to make your life easier.

With our subject matter expert, walk through the multitude of online

resources available on this significant value-added platform that is

available exclusively to MasterCard business partners.

Attend as well:

Introduction to MasterCard Europe



MCPS Simulator

MasterCard Connect Advanced Workshop New!

MCSP configuration

Simple configuration

MCPS test data generator

MCPS Clearing Emulation

Engine (CEE)

Processing of IPM format files

Complete transaction life cycle

testing

Customized testing

About MasterCard Connect

Security Administrator (SA)

Business Administrator (BA)

Core MasterCard Connect

content

Mandated applications

Specific MasterCard Connect

content

Managing registrations

29


Chip

30


Business Opportunities with Chip 31

Getting the most out of chip 31

How Chip Works for Debit & Credit Cards 32

Security & Key Management for Chip Cards 32

Exploring the EMV 4.2 Standard 33

Exploring M/Chip Card Specifications 33

MasterCard® PayPass™ Technical Workshop 34

Migrating to Chip with MasterCard 34

31


Add value to your business with chip Early Bird fee 680

Standard fee 820


The global migration to EMV chip is underway all over the world,

which brings unprecedented opportunities for banks to leverage the

EMV infrastructure to deploy new applications that enhance

payments even more.

This one-day seminar explains how smart cards can boost the

profitability of your existing payments and banking businesses, and

how they can help to create completely new businesses.

You will be encouraged to think how to build successful partnerships

with the new entrants in the card payments space, which may

previously have been considered as competitors.

Attend as well:


How Chip Works for Debit & Credit Cards


Enhance your business through chip Early Bird fee 950

Standard Fee 1150


How can you harness the opportunities of chip and turn them into

tangible business benefits?

The two-day seminar takes advantage of the practical experience of

MasterCard members who have already migrated to chip, and is

designed to help you get the most benefit from your investment in

chip

The seminar provides insight into how business decisions can be

translated into M/Chip personalization profiles, and also addresses the

possible decisions that the issuer can take in terms of risk

management, security, and post-issuance card operations.

Attend as well:

Business Opportunities with Chip





Remote chip authentication

Display cards

Low value payments (LVP)

Contactless Tap and Go for

speed and convenience

Transport and ticketing

New acceptance environments

Multi-account ‘combo’ cards

Loyalty and data storage

Using chip to reduce fraud

Introducing offline PIN on

MasterCard

Best practice and pitfalls to

avoid

M/Chip risk management

Chip personalization

Cardholder/retailer issues

The impact of chip on

chargeback processing

32


Get right to the heart of chip Early Bird fee 950

Standard fee 1150


This two-day seminar provides a thorough explanation of what chip

cards are and how they work, including a detailed discussion of the

interaction between the card and terminal and the host system.

This is achieved by explaining the EMV transaction flow, the technical

specifications for chip cards and terminals, plus details of the chip

requirements on your authorization and clearing host systems.

The seminar also explains the role cryptography plays in a chip

transaction and sets out MasterCard's requirements as well as issuer

best practices when migrating to chip.

Attend as well:




Chip cards—the ultimate security solution! Early Bird fee 950

Standard fee 1150


One of the most important benefits of chip is increased security,

which enables secure offline transaction at the point of sale.

This two-day seminar provides an overview of the security aspects of

chip card-based payment systems. It details the specific security and

key management requirements for MasterCard’s EMV-compliant chip

applications.

This very technical seminar is designed for staff responsible for

developing and managing the cryptographic infrastructure of chip

cards.

Attend as well:






Chip business case

Chip principles

Liability Shifts

Cryptography overview

explaining how card

authentication works

EMV transaction flow

Key decisions

Best practices

Security architecture,

mechanisms, algorithms, and

services

Key management and

certification authorities

Cryptography and key

management

‘Chip and PIN’ payment

terminals

Chip card security certification

33


Get to grips with EMV 4.2

Early Bird fee 950

Standard fee 1150


Any EMV chip card issued from anywhere in the world should be able

to work in any EMV chip terminal anywhere in the world. This is

called interoperability. The EMV standard specifies the requirements

for chip cards and terminals, in order to ensure that interoperability is

achieved.

This two-day seminar provides a detailed presentation of the

functions that must be implemented in all EMV-compliant chip cards

and terminals.

The seminar also walks participants through the credit and debit

specifications mandated by MasterCard.

Attend as well:




Find the M/Chip specification that is right for you Early Bird fee 680

Standard fee 820


There is a wide range of M/Chip cards specifications, and it can be

hard to decide which is the right one for you.

This one-day seminar provides a functional review of the M/Chip card

applications, including how M/Chip Advance which as a new platform

for MasterCard payment chip solutions. It also covers the chip

infrastructure and acceptance considerations.

M/Chip Advance is at the convergence of contact and contactless

payments. It also encompasses typical POS payment transactions, as

well as more recent transactions types such as transit, loyalty,

entitlement and e-vouchers.

Attend as well:






General presentation of the

EMV 4.2 standard

Introduction of Book 1

(application independent

function including application

selection)

Short introduction to Book 2

(security)

Detailed presentation of Book

3 (debit or credit application)

M/Chip Roadmap

M/Chip Advance platform key

features and benefits

Functional review of payment-

related features

Functional review of Data

Storage related features

M/Chip Advance timeline and

product availability

34


Go backstage with the technology behind PayPass Early Bird fee 680

Standard fee 820


Being able to tap & Go may seem pretty magical to the cardholder,

but in reality there is a solid technology behind PayPass to make the

transaction happen…and to happen securely.

This one-day seminar looks at the PayPass terminal transaction flow,

and highlights the differences between a contact chip transactions.

The seminar also looks at the impacts on issuers and acquirers, as well

as the various implementation solutions that are available to roll out

PayPass.

Attend as well:


MasterCard Mobile Proximity Payments



Standard fee 1150


Chip technology can bring terrific benefits to the market in terms of

counterfeit prevention, protection against lost & stolen card use, and

the support of secure offline transactions.

This two-day seminar is dedicated to the Central Eastern Europe

region and is delivered with Russian language support. The seminar

provides an informative overview of what is involved in the migration

chip technology. A large amount of coverage is given to the liability

shifts as well as the various testing that must be performed by both

issuers and acquirers, using certified external companies.



MasterCard PayPass Technical Workshop


MasterCard and Maestro

brands specific requirements

Issuer impacts

Acquirer impacts

Interface and transaction flow

PayPass and EMV

End-to-end transaction

Card-to-terminal interaction

Terminal-to-network

interaction

Principles of chip

Card Authentication Method

(CAM)

Cardholder Verification

Method (CVM)

Card Risk Management (CRM)

Cryptograms & Scripts

PayPass and NFC

Managing a chip project with

MasterCard

MasterCard PayPass Workshop

Migrating to Chip with MasterCard

35


Migrating to Chip with MasterCard

Fraud & Risk

36


Fraud Management for Issuers 37

Fraud Management for Acquirers 37

EMS Local Advanced Workshop 38

Fraud Management for Issuers and Acquirers 38

37


Protect your portfolio from fraud losses Early Bird fee 950

Standard fee 1150


Fraud is a fast moving target, with criminals constantly evolving new

ways to attack the value chain. This is of particular concern to issuers,

who bear much of the cost of fraud.

Aimed at those with responsibility for managing one or more areas of

fraud, this 2-day seminar provides a comprehensive overview of the

main threats facing issuers and outlines the key actions issuers can

take to protect themselves from losses. It also explains technology

solutions to make transactions more secure, as well as MasterCard

requirements in terms of fraud prevention, detection and resolution.

Participants are encouraged to follow the Overview of Fraud

Management (via VTC) prior to attending this seminar.

Attend as well:

Fraud Management for Acquirers

Overview of Fraud Management (via VTC)

.

Limit fraud losses at your merchants Early Bird fee 950

Standard fee 1150


Acquirers are on the front line when it comes to fraud, and the

emergence of new payment channels and technologies reinforces the

need for an effective fraud management strategy.

This 2 days seminar gives some insight into the acquirer fraud

management Best Practices that help acquirers to mitigate their risk

when facing the unique and complex challenges of the acquiring

business. Participants will learn how to develop effective fraud

prevention strategies and put in place action plans to manage

vulnerabilities identified by the MasterCard Compliance Programs.

Participants are encouraged to follow the Overview of Fraud

Management (via VTC) prior to attending this seminar.

Attend as well:

Overview of Fraud Management (via VTC)

Fraud Management for Issuers

e-Commerce and your Business

Fraud Management for Issuers New!

Fraud Management for Acquirers New!

The Fraud Challenge for

Acquirers

Fraud Landscape

Fraud Trends

Fraud Operations for Acquirers

New Merchant Management

Merchant Monitoring

Issue Management

Best Practices

Practical Exercises

Key Learnings

Fraud Landscape

Fraud Trends

Fraud Organization

MasterCard Standards

Fraud Authorization &

Detection Strategies

SecureCode & other tools

Stand-In Risk Management

Other Essentials

38


Detect fraud with Expert Management System Local Early Bird fee 950

Standard fee 1150


EMS Local is the MasterCard fraud detection tool that is installed on

the customer’s site and it used to detect potential fraud.

This one-day session is designed for all new or established EMS Local

users, as well as customers considering using EMS Local in the near

future.

The seminar walks through the features and functions of the current

version of EMS Local, including the additional reporting tool.

There will also be a demonstration of future versions of EMS Local

Attend as well:




Standard fee 1150


This two-day seminar is dedicated to the Central Eastern Europe

region and is delivered with Russian language support. The seminar

covers the essential items related to fraud management for both

issuers and acquirers.

This intensive seminar gets straight to the heart of the main issues

facing issuers and acquirers in their fight against fraud. It examines

the current card payment environment, and looks at fraud prevention

techniques and Best Practices.



MasterCard® PayPass™ Technical Workshop


EMS Local Advanced Workshop New!

Utilizing EMS application

functions

EMS Best practices

Problems to avoid

Advanced EMS rules for issuers

Advanced EMS rules for

acquirers

Dem of Future EMS application

Fraud Management for Issuers & Acquirers New!

Risk Management for issuers

and acquirers

Card Authentication Methods

(CAM)

Cardholder Verification

Methods (CVM)

ATM & PIN pad Fraud Attack

Account Generated Attacks

Account Data Compromise

(ADC)

PCI (Payment Card Industry)

39


Chargebacks

40


Introduction to Chargebacks 41

MasterCard Chargebacks Seminar 41

MasterCard Advanced Chargebacks Seminar 42

Debit : ATM & Maestro Chargebacks Seminar 42

41


Get up-to-speed with the basics of chargebacks Early Bird fee 950

Standard fee 1150


Chargebacks are a critical area of your business, but with about 20

different chargeback reason codes for credit card transaction disputes it

can be hard for new staff to get up-to-speed.

This two-day seminar is designed to help new Chargeback Analysts to

learn the principles of chargeback processing and review the top 10

chargeback reason codes, which account for approximately 90% of all

transaction disputes.

It is the quickest way for newcomers to the area of chargebacks to learn

the basics about chargeback processing , the most common cardholder

disputes and the reason codes that are available to resolve them

Attend as well:

MasterCard Chargeback Seminar

Debit: ATM & Maestro Chargeback Seminar

Complete chargeback seminar in just two days Early Bird fee 950

Standard fee 1150


This two-day seminar covers all chargeback reason codes and related

issues. The seminar content is updated on a regular basis to include

the latest changes to the chargeback rules.

Using numerous case studies and teamwork, every chargeback reason

code is illustrated in a practical context, and all specific processing

requirements are covered in detail. This program is Level II in the Chargeback Seminar Curriculum. It is

designed for Chargeback Analysts with at least 6 months of

experience on the job.

Attend as well:

MasterCard Chargeback Seminar (Level I)

MasterCard Advanced Chargeback Seminar (Level III)

Debit: ATM & Maestro Chargeback Seminar


Introduction to chargebacks

Chargeback process flow

Top Ten chargeback reason

codes for MasterCard

About Liability Shifts

About Arbitration and

Compliance

Quizzes

Case Studies

MasterCard Chargeback Seminar

General principles

Definitions and processing

requirements

Rules Updates

About Liability Shifts

Chargeback reason codes for

MasterCard

Hands-on Case studies

Arbitration and Compliance

Procedures

Quizzes

42


All about ATM and Maestro dispute resolution Early Bird fee 680

Standard fee 820


ATM and Maestro have chargeback rules that are different to the

MasterCard product.

This one-day seminar covers all chargeback reason codes and related

issues for ATM and retail Maestro transactions. It uses case studies

and practical examples to illustrate each reason code.

The seminar content is updated regularly to include the latest changes

of the chargeback rules.

Attend as well:

Introduction to Chargebacks (Level I)

MasterCard Chargeback Seminar (Level II)

MasterCard Advanced Chargeback Seminar (Level III)

In-depth seminar for expert chargeback staff Early Bird fee 1100

Standard fee 1350


This two-day seminar is designed exclusively for the most experienced

chargeback staff, as it covers the most difficult chargeback scenarios

and related issues. Only limited presentations are given to participants

to cover the latest rule changes before they are set to work on

advanced arbitration and compliance scenarios where they will

determine the correct solutions for the disputes at hand.

This in-depth seminar is Level III in the Chargeback Seminar

Curriculum. It is reserved exclusively to chargeback experts that have

attended the MasterCard Chargeback Seminar within the last year

and have at least two years of experience in the chargeback area.

Attend as well:

Introduction to Chargebacks (Level I)

MasterCard Chargeback Seminar (Level II)


MasterCard Advanced Chargebacks Seminar

Debit: ATM & Maestro Chargebacks Seminar

General principles

Chargeback disputes


ATM and Maestro

Arbitration procedures

Case studies

Quizzes

Rules updates

Overview of chargeback

processing


MasterCard

Arbitration & compliance

procedures

Case studies

Quizzes

43


44


Customers have changed the way they address training, which has brought to light the need for

MasterCard Academy to provide an additional training solution that is both scalable and cost-effective.

MasterCard Academy on the Web is designed to respond to this need with the following benefits

for the user:

Reduced learning costs for entry level modules

Wider knowledge distribution within the organization

Time and place convenience (Self-paced learning)

MasterCard Academy on the Web comprises three major modules:

Virtual Training Classes (free of charge)

Webinars (reserved for subscribers)

Product Spotlights (reserved for subscribers) etc…

Recordings of LIVE Events

Videos

Data

“Did you know?”

About MasterCard

Business Strategy

Products

Operations

Chargebacks

Fraud & Risk

To learn more about Academy on the Web please send an e-mail to

[email protected]

mailto:[email protected]

45


Terms and Conditions

For Virtual Training Classes (VTCs)

Price

The price is indicated for each VTC. The price of the VTC includes the VTC fee.

Important Note for Academy on the Web Users

All Academy on the Web users are automatically pre-registered for all VTC events and will receive in their Inbox

an electronic invitation allowing them participate in the VTC event completely free of charge.

If you are an Academy on the Web user please ensure that you do not register for a VTC event via the

MasterCard academy website, as doing so will automatically incur a cost of 200 EUR per person.

Acknowledgement and Confirmation

When you register for a seminar via our website you will receive an automated Acknowledgement. This

confirms that your registration has been successful. If you do not receive an acknowledgement further

to your registration, please contact the Academy by sending an e-mail to [email protected].

The Academy will send you a Confirmation prior to the VTC date.

Cancellation by the Participant

• Once you have registered your registration will automatically trigger an MCBS billing event, which will

be added to your invoice after the VTC has taken place.

• You may transfer your registration to another participant, as long as this is communicated to the

Academy in writing at least five business days prior to the VTC date. In this case, no cancellation fee will

be applied.

• If you wish to cancel your registration, please do so in writing at least five business days prior to the VTC

date. Cancellations received after this deadline will be charged 100%.

Billing

Customers with an account at the Settlement Bank will be invoiced automatically via the MasterCard

Consolidated Billing System (MCBS). The VTC fee will be identified via the billing event (refer to the MCBS

Manual for details).

Customers that do not have an account at the Settlement Bank may be asked to pay the VTC fee in advance.

Language

All VTCs and material are in English, unless otherwise specified.


46


-

Virtual Training Classes

47


Virtual Training Classes

Get Straight to the Point!

In these times of high workloads and limited budgets, finding the time and money to travel to a face-to-face

seminar can be a challenge. Virtual Training Classes are a real solution, providing training on specific topics that

you can follow from your desk.

At just 200 EUR per person, they are also a cost-effective way of getting information on the subjects you need.

Note that attendance to virtual training classes is free of charge to subscribers to Academy on the Web.

Franchise VTC Suite

Licensing Best Practice 48

BIN Management 48

Passporting Your Business 49

Central Acquiring 49

Card Design 50

Business Development VTC Suite

Overview of Interchange 50

CNP Acquiring 51

Operations VTC Suite

QMR 51

MasterCard Connect 52

MCBS 52

Fraud & Risk VTC Suite

Overview of Fraud Management 53

48


Approximately 60 minutes + Q&A 200 per person

Free for AOW users


This one-hour online virtual training class (VTC) reviews in detail the

rules and procedures you must follow, and helps you ensure that you

have the license(s) you need in order to do business effectively.

It is the first in a series of VTCs in the Franchise VTC Suite that is

designed to cover the full range of licensing activities related to doing

business with MasterCard.

Attend as well:

BIN Management

Passporting Your Business

Central Acquiring

Card Design


Free for AOW users


This one-hour online virtual training class (VTC) provides an overview

of the best practices that will allow you to manage your BINs in the

most efficient manner.

It is one of a series of VTCs in the Franchise VTC Suite that is designed

to cover the full range of licensing activities related to doing business

with MasterCard.

Attend as well:

Licensing Best Practice


Central Acquiring

Card Design


BIN Management

MasterCard membership

requirements

Licensing process

ICA and BIN assignment

requirement and process

Managing new or additional

product licenses

Making changes

Manage your existing BINs

Understand BIN requirements

for your future business

Fees on active BINs

Fees on unused (inactive) BINs

49



Free for AOW users


This one-hour online virtual training class (VTC) explains Principles of

the 2nd EU Banking Directive in terms of free market, freedom of

movement and mutual recognition. It is one of a series of VTCs in the Franchise VTC Suite that is designed


with MasterCard.

Attend as well:


BIN Management

Central Acquiring

Card Design


Free for AOW users


This one-hour online virtual training class (VTC) summarizes the rules

and licensing requirements for central acquisition, within the SEPA

region in particular and within Europe as a whole.



with MasterCard.

Attend as well:


BIN Management


Card Design


Central Acquiring

Scope of the EU and EFTA

(European Free Trade

Association)

Mutual recognition

Services with physical presence

Services with no physical

presence

Due diligence

Rules for central acquisition

Licensing requirements

Obligations towards merchants

Central acquisition within the

SEPA zone

Central acquisition in Europe

as a whole

50



Free for AOW users


This one-hour online virtual training class (VTC) is designed to

summarize the card design features that must be present on all cards,

as well as the card design approval requirements.



with MasterCard.

Attend as well:


BIN Management


Central Acquiring

Approximately 60 minutes + Q&A

200 per person

Free for AOW users


This one-hour online virtual training class (VTC) provides an overview

of the QMR reporting requirement, the timeframes for submission

and the possibilities that are available to modify data already in the

system.

There will be a brief demonstration of the QMR Online reporting tool,

plus a session where tips and tricks are provided to ensure the overall

quality of the data reported.

Attend as well:

MCBS

MasterCard Connect

Franchise VTC Suite

Card Design

Card design requirements

Card design approval process

Use of

Approved card producers

Approved card personalization

bureaus

Approved chip card providers

QMR

Overview of QMR

QMR reporting requirements

QMR Online demonstration

Tips & tricks for quality data

input

Making corrections to previous

data

51



200 per person

Free for AOW users


Since October 2012, MasterCard Connect has replaced MasterCard

OnLine. This one-hour online virtual training class (VTC) will give an overview

on what’s new in MasterCard Connect. It will also highlight key

functionalities and products available on MC Connect.

Attend as well:

MCBS

QMR

Franchise VTC Suite


200 per person

Free for AOW users


The seminar will provide a brief insight into the main categories of

MasterCard fees, the billing schedules and the reference

documentation that is available.

It will also review of the contents of the MasterCard invoice and

explain the process for collection of funds from the Settlement

Account.

Attend as well:

QMR

MasterCard Connect

Franchise VTC Suite

MasterCard Connect

MCBS

Platform Overview

Security, Authentication

methods

FAQs

Business Administration and

Security Administration roles

overview

Subscribing to Services and

Applications

Core Applications & Services

MasterCard fee categories

Billing schedules

Reference documentation

MasterCard invoice

Fee collection messages in

clearing files

Collection of funds via the

Settlement Bank

52



200 per person

Free for AOW users


Interchange is the oil that makes the card payments machine go

round. It is also coming under close scrutiny from Regulators across

the globe.

This one-hour online virtual training class (VTC) explains the rationale

behind interchange fees and how they are collected.

Attend as well:

MCBS

QMR

MasterCard Connect

Franchise VTC Suite


200 per person

Free for AOW users


With the significant development of e-Commerce, Card Not Present

(CNP) transactions are on the increase. The risk is that fraud will

increase as well. This one-hour online virtual training class (VTC) explains the need to

follow correct acceptance procedures to ensure that it is the genuine

cardholder that is making the transaction.

Attend as well:



Merchant Acceptance Seminar

Overview of Interchange

CNP Acquiring

The MasterCard Methodology

for determining the levels and

rates of interchange fees

The flow of funds for

interchange fees

How interchange fees are

collected in the clearing system

Understanding the card not

present (CNP) fraud challenge

Apply correct card acceptance

procedures for CNP

transactions

Finding ways to mitigate CNP

risk

53



Free for AOW users


Fraud is a reality in the card payments business, but in addition to the

financial loss there is also the erosion of customer confidence in their

card. If cardholders that do not trust their card won’t use them, thus

it is in the interests of all parties to limit fraud.

This one-hour online virtual training class (VTC) is designed to provide

a basic level of understanding about what the fraud challenge is, the

various categories of fraud, what can be done by each party to

combat fraud, and where to get more information from MasterCard.

This virtual training class is strongly recommended prior to attending

Fraud Management for Issuers and Fraud Management for Acquirers.

Attend as well:





Overview of Fraud Management

French trends

Fraud Detection Tools

Fraud categories

SAFE for issuers

SAFE reports for acquirers

Reference documentation

Security Bulletins

MasterCard Alerts

54


‘On Demand’

55


Does this sound familiar?

Our ‘On Demand’ seminars are the perfect solution!

Just choose the seminar(s) you need and our trainer(s) come to your premises. It could not be easier!

Onsite seminars combine multiple benefits:

Reduced costs: We use your onsite seminars facilities and give you a whole of MasterCard

expertise. You benefit from reduced costs, as there is no travel and entertainment expense.

Confidentiality: You can address subjects that you would not want to tackle in Open seminars,

particularly with regards to competitive issues.

Cross-departmental Training: Colleagues from various departments can attend the dedicated

seminars which would probably not be possible if they had to go on seminar abroad.

Just send an email to [email protected] to request any of the seminars covered in this

catalogue: we will be happy to help.

I need skilled staff, but I can’t afford

for them to be away from their desk

too long….. I have not got enough T&E

budget to send all of my staff to

a seminar abroad….

I have got to train a lot of staff

in one go - how can I do

that?!.....


56


For additional Information, please contact the MasterCard Academy:


Tel. +32 2 352 58 10

Fax +32 2 352 53 54

e-mail: [email protected]



Documents

A Message from Luc Hellinckx...Consolidated Billing System (MCBS). The seminar fee will be identified via the relevant billing event (refer to the MCBS Manual for details about MasterCard