North Dakota Administrative Code
Title 12.5 - Bank of North Dakota
Article 12.5-03 - State Credit Card Administration
Chapter 12.5-03-01 - Service Fees
Section 12.5-03-01-02 - Definitions

1. "Bank" means the state doing business as the Bank of North Dakota and also includes the executive committee of the Bank acting on behalf of the Bank. The Bank is the state credit card administrator for credit card transactions of state agencies, boards, and commissions.

2. "Discover acquirer operating regulations" means regulations adopted by the Discover network as they pertain to merchant acceptance of a card issued under license from the Discover network.

3. "MasterCard merchant rules" means rules adopted by MasterCard international incorporated as they pertain to merchant acceptance of a card issued under license from MasterCard international.

4. "Merchant agreement" means an agreement entered between the Bank and merchants to govern the acceptance of credit cards by the merchant.

5. "Network regulations" means the rules and regulations adopted by MasterCard, Visa, and Discover.

6. "Rules" means this chapter, as amended and supplemented from time to time.

7. "Service fee" means a fee to be added to a payment as a service charge for the acceptance of a payment made by a credit or debit card or an electronic fund transfer and is referred to by credit card companies as a "convenience fee" or "surcharge".

8. "State" means the state of North Dakota, acting through its executive, legislative, and judicial branches.

9. "Visa international operating regulations or card acceptance guidelines" means regulations adopted by Visa U.S.A. as they pertain to merchant acceptance of a card issued under license from Visa.