TEXAS STATE UNIVERSITY SYSTEM REQUEST FOR PROPOSAL. MERCHANT CARD SERVICES March 12, 2015 TABLE OF CONTENTS

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "TEXAS STATE UNIVERSITY SYSTEM REQUEST FOR PROPOSAL. MERCHANT CARD SERVICES March 12, 2015 TABLE OF CONTENTS"

Transcription

1 TEXAS STATE UNIVERSITY SYSTEM REQUEST FOR PROPOSAL MERCHANT CARD SERVICES March 12, 2015 TABLE OF CONTENTS I. Introduction and Current System Merchant Services II. III. IV. General Statement of Services Required Proposal Submission Instructions and Qualifications Current Merchant Service Information V. Required Services Attachment A: Attachment B: Attachment C: Fee Proposal Worksheet Equipment and Card Usage Charts by School Usage Detail Summary by School

2 Texas State University System Austin, Texas Request for Proposal Merchant Card Services I. INTRODUCTION The Texas State University System (the System ) is requesting proposals for a four year systemwide merchant services contract to be awarded in May, 2015, with service to begin September 1, 2015 and extend through August 31, 2019 as approved by the Board of Regents. This Request for Proposal (RFP) details the System's goals and the services required. The System intends to reduce the number of processors and systems currently being used. Through this contract the System intends to obtain the highest level of service for each of its institutions regardless of their size or location, to minimize costs and to improve operational efficiencies. The System is interested in utilizing the best current and forward looking technology. This RFP identifies current and required services for each of the institutions detailing transaction history over the past twelve months by institution and by merchant account. It specifies all required qualifications for processors, stipulates service requirements, details historical transaction activity at all institutions, establishes contract standard provisions to be incorporated in the contract, and provides all submission instructions. The RFP also allows for the processor to add other alternatives and ideas which will fulfill the objectives of the System. It is the intent of the System that the processor awarded the contract will execute one contract with the System encompassing all institutions of the System. The System is acting for and on behalf of each of its eight colleges and universities (the institutions ). Through this contract the System intends to obtain stream-lined, end-to-end processing to minimize costs and operational burdens while improving operational efficiency for all its institutions under the one contract. The contract will fully incorporate the terms and conditions of this Request for Proposal (RFP) and the proposal submitted in response to it. The processor will make all required services agreed to by the System available to all institutions of the System at the proposed pricing levels throughout the contract period. II. GENERAL STATEMENT OF SERVICES REQUIRED The institutions which make-up the System, and their current providers, ( are: - Lamar Institute of Technology, Beaumont Capital One - Lamar University, Beaumont Capital One - Lamar State College Orange Global Payments 2

3 - Lamar State College - Port Arthur Capital One - Sam Houston State University, Huntsville Global Payments - Sul Ross State University - Alpine Capital One - Sul Ross State University - Rio Grande College Capital One - Texas State University Global Payments The System s administration in Austin does not accept credit cards and will not be part of this RFP process. III. PROPOSAL SUBMISSION INSTRUCTIONS AND QUALIFICATIONS By submitting a proposal in response to this RFP, processors will be deemed to agree to the mandatory contract and service provisions contained herein. This RFP and the proposal submitted will be incorporated into and form the basis of the final services contract. 1. Proposal Format In order to fully and equitably evaluate each proposal a standard reply format is required. Each proposal must include a response to each item in the RFP, in the order given, along with completion of Attachment B for proposed fees. Only proposals submitted in the prescribed format will be evaluated for award. Attachments B and C contains summarized information for each institution on the merchant accounts, equipment and usage summaries. Detail for each merchant account by month is not shown in the Attachment but can be found at the following web address Schedule for Proposal Submission The System will make every effort to adhere to the following schedule. 03/12/15 Release of Request for Proposal 03/19/15 2:00pm CST Deadline for all questions pertaining to RFP 03/25/15 2:00pm CST Responses to all submitted questions provided 04/03/15 2:00pm CST Deadline for proposal submission May TBD Board of Regents award of contract 09/01/15 Contract commencement 3

4 3. Proposal Submission To be eligible for consideration under this request, a total of seven (7) complete copies of each proposal shall be submitted by 2:00 pm CST on April 3, 2015 to the address below. Proposals received after that time will not be accepted. Amendments or additional information supporting the proposal will not be accepted after the submission deadline unless requested by the System. The proposal must be submitted in a sealed envelope or packet marked Proposal for Merchant Services. An accompanying transmittal letter must be signed by an individual authorized to bind the submitting firm, state that the proposal is valid for 180 days from the submission date, state full agreement with the conditions and requirements of the RFP, and give full contact information regarding the proposal. Submission of the Proposal must be in both written and electronic form (on an accompanying CD). The proposals must be delivered by mail, express mail, or in person to: Dr. Roland Smith Vice Chancellor for Finance Texas State University System 200 East 10th Street - Suite 600 Austin, TX Telephone Fax There is no limit on the physical size of the proposal but a complete, yet succinct, and unambiguous presentation of the services offered and the fees required will be expected. Proposals should provide a clear and straightforward description of services and the firm s ability to meet requirements. Withdrawal of proposals will be accepted up to the deadline for proposal submission time and date above. Any firm submitting a proposal is deemed to have read, understood and agreed to all terms, conditions and requirements set forth in the RFP. The selection may be made on the basis of the proposals as initially submitted, without discussion, clarification or modification. The System reserves the right to request further information or presentations or to enter into negotiations for terms as part of the evaluation. 4. Pre-Proposal Conference A pre-proposal conference is not currently scheduled or anticipated. Questions regarding this RFP, or the services requested in it, will be accepted in form to Roland Smith, on or before 2:00 pm CST, March 19, Responses to any material question submitted will be communicated via to all known proposers by 2:00 pm CST March 25, 2015, as necessary. If the questions indicate that a pre-proposal conference or conference call is required, all known proposers will be notified appropriately. 4

5 5. Selection Criteria The following criteria will be used as the weighting basis for evaluation of the proposals and the award recommendation. 50 % - ability to provide services, customer service, and reporting required, 40 % - proposed service fees, and 10 % - experience, creditworthiness and stability of the firm. Award may not be made to the firm submitting the lowest price proposal. The System will choose the firm which submits the most responsive overall proposal. 6. System Rights The System reserves the right to: - waive any defect, irregularity, technicality, or informality in the proposal or proposal procedures, - reject any and all proposals, - accept any proposal most advantageous to System, - request additional information or require a meeting with representatives for clarification, - cancel, revise, and/or reissue this request for proposal, - negotiate contract terms and conditions, - modify deadlines, and - select any proposal deemed to be in its best interest as determined by the System. IV. SYSTEM MERCHANT SERVICES CURRENT INFORMATION All the institutions of the System currently utilize merchant services for various type payments. Different providers are in use at various institutions. Registration is major sources of credit card use but others uses range widely and include: - sports and recreation - continuing education - retail outlets - libraries - copiers - hotel services (SHSU) - parking - transcripts - publications - department charges Detail available from current processing providers is shown in Attachment A for the last twelve month period organized by institution. The variety of information available from the multiple processors with multiple report formats has been consolidated as much as possible for analysis purposes. Information on the institutions describes the name and number of merchant accounts, the equipment owned or leased, and the overall count of transactions plus net sales. For most of the institutions, detail on transactions by type has also been noted as Merchant Activity. Scanned statements are included by institution. Currently the institutions receive services on an institution by institution basis under a system-wide contract with Global Payments 5

6 The institutions accept Visa, MasterCard, American Express, and Discover credit cards. Cards are accepted in-person or online via: web, mobile, dial-up, phone, wi-fi, cell, etc. PIN and PINLESS based transactions are also. V. REQUIRED SERVICES A complete and succinct response to each question is required. Responses should be in the order given and references to additional information provided should be clear for evaluation purposes. 1. Firm Stability and Background The System requires a firm which is fiscally sound and able to provide the required services throughout the contract period. The System represents public funds and as such requires full transparency and disclosure on financial matters. a. Describe the firm and include the following: major lines of business; and name, number and location of divisions or operating units. Provide the firm s latest annual report or 10K and other relevant financial information as applicable. b. Provide current short and long term ratings for the firm from two nationally recognized ratings agencies. c. Provide a brief history and background of the firm, including parent and/or subsidiary companies relating to the merchant card services. Describe your firm s organizational structure especially as it applies to service provision and customer service. Does the firm have any joint ventures in place for merchant services? Explain. d. How long have you offered merchant card processing services? What is the firm s future strategy as it relates to merchant services? e. What related services, if any, do you offer? f. Do you use a third party for any segment of customer services or card processing services? If yes, explain fully. g. Is the firm HUB certified? If so, by which agency? Does the firm plan to use any HUB businesses as sub-contractors? 6

7 2. Firm Competitive Position and Future Commitment to Providing Services a) What differentiates your firm and the service offered from that of other acquirers/processors? b) How does the firm stay current and competitive in merchant services? c) What steps have been taken or will be taken to incorporate EMV technology? d) Explain your firm s representation on MasterCard or Visa boards or committees. e) What new services or features have you implemented in the past two years? Do you have any new services/technologies in implementation currently? f) Does the firm anticipate major changes with EMV? If so, what changes should the System anticipate and how should it plan for those changes on hardware issues? g) What formal or informal bank/vendor relationships do you have and how can they be leveraged in merchant card processing? h) Does the firm have Near Field Communication capability and does it support Apple Pay? h. Describe your research, development and security staff. Quantify the resources dedicated to University processing. 3. References and Current Client Base a) Specify the category and number of customers for which you are currently providing card processing services. How many higher education institutions/merchants do you currently serve? What was the firm s total transaction count and dollar amount processed from ? Indicate by sector (higher education, private, etc.) b) What is the daily average number of transactions currently processed? What is the firm s maximum daily processing capacity? c) Which processing center(s) will be used? Is the processing structure designed for redundancy to address disaster situations? How often are systems tested? d) What is the transaction volume of your largest customer? Given the volume of the System, how would the System be classified? (i.e. Large corporate, small business, etc) e) How do the System s peak periods (fall, spring and summer registrations) compare to your system-wide peak periods? f) Provide the names, addresses and phone numbers of four references, preferably those with similar multi-institution structures like the System and with comparable volumes and 7

8 communication capabilities, and who are currently using your card processing services. Select a mix of long-standing and recently acquired customers. Identify how long these clients have used your services. g) Does the firm have customized programs for higher education? Describe fully. h) Explain why the firm believes it was able to win your last two customers from your competitors. i) Provide any additional information that is relevant to this RFP and your capabilities to provide the services requested (e.g., product brochures, articles in trade journals). 4. Relationship Representatives a) List the names, titles, phone, location, and addresses and provide brief biographies of the relationship representatives and senior management that would be directly involved in and responsible for a contract with the System. b) Describe the relationship management team structure that will service the account, with functional responsibilities and their position in the overall firm. Will there be local representation for all the system schools? c) How will services be provided equally to all campuses; on implementation and on an on-going basis? Will the same core representatives be designated for all System schools? d) What is the expected turn-around time on issue resolution? Is there any guarantee on the timing and escalation of issues? What is your escalation failure rate by tier? e) How often does the representative meet and review with the component schools to ensure they are receiving the lowest discount/interchange rates and prevent downgrades? 5. Card Acceptance/Interface Processing Please note that registration does not impact credit card use at Texas State because it is handled by a Third Party (TouchNet-PayPath). a) Does the firm support all major payment types, debit cards, gift cards, corporate cards, and other emerging options i.e. ApplePay? Does support vary for any of these? b) Describe your ACH services if available. Provide details on NACHA file transmission, reporting and returned item handling. Are the transactions bundled by day and by merchant id? Can the settlement date be provided on the CTX information? c) Is the firm moving towards or already accepting EMV technology? Explain fully and provide the time frame. d) Describe the hardware and software necessary for acceptance of credit and debit cards (a) with card present and (b) card not present, (c) using an IVR application, (d) via e-commerce (internet), and (e) pin-based debit (f) swipe technology, (g) EMV. What equipment are you recommending or requiring for the System? Does the firm provide the equipment on a lease or 8

9 purchase basis? Do you offer an equipment maintenance plan? If so, what is the turnaround time and costs involved? Describe the interface requirements and all compatibility issues. e) The System uses various gateways. Can the firm process transactions from various gateways including Verisign Payflow Pro, Payflow Link, and LinkPoint? Describe fully. Indicate all payment gateways supported in addition to these noted and address all fees for setup, monthly recurring charges and per transaction fees on Attachment B. f) Because the System institutions sometimes have a need to contract with another merchant processor for short-term, non-material transaction processing (and some institutions have another merchant number through separate banks), what is the firm s policy on such noncontract inclusive situations? What do you see as your role in this situation? Do you see the need for any waiver in the contract documents? g) Describe the process to add additional third party gateways. h) What integration options do you offer for TouchNet (PayPath, ReadyPartners, Marketplace, Bill+Payment, etc.)? i) What emerging hardware options are available (such as cellular, NFC, LoopPay, Barcode and Cloud)? j) Provide specific models and versions of hardware supported by application including what EMV terminals and pinpads are available. k) Describe telephone authorization options in the case of communication failures. l) What supplies will be provided by your firm with a maintenance contract, if applicable? m) How does the firm test/confirm PCI compliance? What requirements does the firm have? What testing or support is available? How does the firm qualify the merchants? n) Compatibility with Micros, TouchNet and PayPal Payflow Pro is required. Does the firm support these? 6. Authorization Processing a) What authorization methods does the firm support and which are recommended for the System (e.g., dial, mainframe dial remote job entry, lease line, frame relay, Internet)? List and describe alternatives. List any processor specific hardware needed to support each option. b) What are the procedures to reverse/recall an incorrect authorization? Describe how an afterauthorization return would be handled. c) Do you have the ability to process internationally? List any countries and currencies where the System could not authorize and settle transactions using toll-free numbers. 9

10 d) Describe any limitations on processing such as assigned windows for obtaining authorizations or settlement, number of files allowed per day, the number of transactions and/or dollar limits per file, or dollar amount per transaction authorized and settled? What limitations are set by batch? Daily processing? Are there any limitations on the number of files transmitted each day? Any limitations at all daily? e) Does your firm maintain direct authorization and settlement links to the various card organizations, or do you utilize a third party network for authorizations? Describe your configurations. Is your firm introducing to a direct processor or is it the direct processor? f) Do merchants incur any monthly access fee to connect to the authorization network? (All fees and fee categories are to be addressed on Attachment B.) g) Describe your AVS (address verification and shipping date compliance) process. h) Describe the procedures to be followed if a transmission request is denied authorizations. i) Provide any authorization differences between various card types. j) Please confirm the pre-authorization fees and how they are applied here. k) Provide your average response times per transmission channel (dial, lease-line etc.) authorization methods for both peak and normal periods. l) What is your maintenance and/or replacement policy for leased equipment? m) Describe the network monitoring system and operation. b) Does the firm have Near Field Communication capability and does it support Apple Pay? 7. Settlement Processing a) Describe the settlement process workflow for all parties explaining any differences by card type. b) Provide a funds availability schedule by card type. Is this negotiable? Is all funding next day? Describe. Is any expedited funding available? c) What is the settlement transmission time frame for Visa, MasterCard, Discover, American Express, Diners? Does this differ at any time? Include daily cut-off times. Will holidays affect the settlement process or timing? d) What is the cut-off time that sales transactions can be transmitted to meet settlement times? e) Do settlement times affect the System s processing/discount expense? f) Is settlement made by ACH or Fed wire? Can settlement details be passed via CTX on ACH transactions? 10

11 g) Do you allow for multiple settlement accounts by merchant or institution? h) Are settlement amounts listed separately on the bank statement or will they appear as one daily sum? What level of detail is available? Will Saturday and Sunday activity be combined into Monday activity? i) Can settlement be made either gross or net of fees? j) Is AMEX processing split dialed or pass-through? What are the associated fees? k) Describe recovery procedures for lost batches. 8. Ticket Retrieval and Chargebacks a) Describe the ticket retrieval request process along with turnaround times. Is this accomplished totally electronically? Does the firm support document imaging other than facsimile for transmission of or response to a retrieval request? b) How are retrieval and charge back requests delivered ( , mail, fax)? At what frequency? c) What response times and process does the firm require for ticket retrieval? How do these time frames compare to Association rules? State the average elapsed time from receipt of a retrieval request to merchant receipt. d) Define the chargeback cycle. What percentage of chargebacks is handled without merchant involvement? Does the firm have a standard rule-based logic to facilitate dispute resolution processing? e) On average, how often are chargebacks reversed? State your reversal rates (without merchant involvement) in total and by chargeback type in the last 12 months. f) Does the firm provide a designated contact or department to manage chargebacks specifically for the System? g) What chargeback reporting is used? Define and give examples. What tools do you have for reconciliation and reporting on chargebacks? h) Are credit card chargebacks and debit adjustments netted from daily proceeds, or are they debited separately? Are funds debited from the operating account or a separate escrow account? Can the information be tied back later? Show examples. i) Will the System receive credit of merchant fees for chargebacks? When are they credited? j) Does the firm have the capability to archive, retrieve transaction information, including signatures for bankcard transactions and non-bank card transactions? What information is stored and for what period of time? What system is available to the merchant to enable retrieval of this information \? 11

12 9. Debit Card Processing a) Does the firm support BIN (Bank Information Number) file management to differentiate between debit and credit card transactions? b) Describe the firm s debit card processing capabilities. Which networks are used? Which are supported? What differences, if any, in workflow occur from credit cards? c) Describe the firm s PIN and PINLESS debit card processing. d) Are debit card transactions routed automatically to the lowest cost network? Describe. 10. Technical System Capabilities a) Describe the processing platforms pertinent to the firm s recommended solutions for the System. Provide system specifications. Describe your capacity and scalability for the System s various sized institutions. b) Is the firm s processing software CPS (Custom Payment Service) compliant? c) Does the firm s software provide for integration in interface alternatives (such as XML, SOAP, Java, C++, COM, Perl, etc?) d) Does the firm s processing software support Purchasing Card Levels II and III? e) What is the firm s process for handling test transactions? Are test cards provided and if so, what types? f) How far back are transactions verified with AVS? Describe the process. g) Outline the security measures in place for the protection of data transmitted for processing. Are all the major verifications available (CVV for Visa, CID for AmEx, and CVC for MC)? Do you support CVV2 (Card Verification Value 2)? h) Is data imaging (e.g., signature capture) available? If so, describe. i) Is the firm able to process smart card, EMV, and virtual terminal transactions? If so, describe. j) Does your system have the capability to interface with ERP systems (Banner in particular) to simplify reconciliation? 11. Transmission Issues a) Describe the firm s recommended transmission method and options (e.g., dial, lease line, batch, real-time, Internet) including limitations and advantages/disadvantages. b) Describe the monitoring and notification process if a transmission fails. 12

13 c) Does the firm s processing system identify and eliminate duplicate transactions? d) Are there any limitations on the number of files transmitted each day? e) Indicate your transmission latency by region. 13

14 12. Security and PCI Compliance a) How does the firm handle PCI compliance initiatives? How do you qualify merchants? b) How does the firm make clients aware of new PCI initiatives and general information? c) Describe the training and education programs for PCI compliance provided by the firm. What consulting is available? Are there charges for these services? d) Describe the security measures used to prevent unauthorized user access to either the system or the data. e) Describe the security measures used to protect Internet transactions. f) Describe the procedures and policies in place to prevent internal fraud. Where does liability fall in the process of recouping loss due to such fraud? g) Describe all fraud protection tools. What options are available (Verified by Visa and MasterCard Secure Code) or does the firm have other/additional proprietary security functions? h) What is your firm s approach in the event of an actual and/or suspected breach involving credit card processing? i) Describe your disaster recovery and system recovery processes. j) Describe your approach to PCI compliance for University merchants for which you provide service. Describe your plan for assisting merchants in becoming compliant with the PCI DSS. What experience does your firm have with merchants moving from compliance under PCI DSS v2.0 to 3.0? k) Describe your PCI compliance staff. Where is your PCI compliance staff located? Do they provide national or regional coverage? Provide bios and certifications of those serving the University System. l) Our System is currently engaged with various OSA/ASV firms. Describe how your firm will engage with these OSA/ASVs? m) Describe the key issues colleges and universities have regarding PCI DSS compliance. n) Indicate your ability to remotely disable equipment such as terminals. o) Describe your availability of tokenization, PTPE and SSl alternatives. At any point in the card data life cycle with your firm is the data not encrypted? p) What is the method of authentications for an on campus user to make hardware and software changes/updates? Support calls? Supply ordering? Merchant configurations? 14

15 q) Indicate the device management capabilities (tracking, inventory and audit) of PCI compliant hardware and software. 13. Disaster Recovery and Service Availability a) Does the firm have a continuity plan for your processing systems and platforms in a disaster situation? Describe your local and system-wide back up and/or redundant systems. b) Describe the firm s hot-site back up capabilities in case of a complete site failure. How often are systems tested? c) When was the last time use of your back up system was required, the circumstances, and the length of time the backup system was in use. d) What is the expected time frame to become operational should a catastrophic event occur at a merchant site? What is the firm s role in the process? e) What has been the firm s up-time percentage the last two years? Provide system availability statistics for the current and prior year. Over the past year, what was the longest period that you were unable to authorize transactions? Describe the situation, including the source of the problem and the time it took to fix the problem. f) What are your maintenance windows and impact on availability? How are these windows announced and determined? 14. Information Reporting Complete and timely online reporting is a critical factor for the System. The System requires full online reporting and download capabilities including the ability to define and sort information at various levels. Reporting should be comprehensive and allow for customization. The firm should make every effort to fully describe and illustrate the reporting capabilities in their response. a) Describe all reports available and the software used to receive and view reports. Provide an overview of reporting cycles, procedures, and capabilities. Provide a sample of each detail and summary report available or a link to sample reports online. Are all information and all reports available electronically on the web? Do you provide dashboard reports that include all forms of processor related payments through all channels? Define the download capabilities, level of customization, and drill down capabilities available on online reporting and reports. Describe the daily and/or monthly reconciliation reports available to the merchant. Define: standard reports (transaction reports, funding reports, etc.) special reporting capabilities level of detail available retrieval capabilities imaging capabilities access mode 15

16 reporting frequency b) What is the standard delivery time frame for reports and statements? What alternatives are available? c) Do you provide actual costs per transaction fees including individual interchange rates, return rates, trend analysis, downgrade information and additional reports and analysis? Describe. d) What delivery methods are used for reports on reports and statements? e) Is historical information regarding sales, refunds, and chargebacks maintained in a database for access by the merchant? If a merchant needs historical reports (from a previous reporting period) or a specific time frame how are they made available? How far back are reports available? How long is reporting data stored in your system? How much time does it take to retrieve historical reports or data? f) Describe how multiple merchant numbers are reported and the flexibility afforded the merchant for customizing the reports. Can the merchant roll up specific groups for reporting independent of other groups? g) Can reports be tailored to send specific sections, for example, report groups comprising a subset of merchant numbers, to different locations? Is there an additional cost for this service? What charges are involved in customized reports? h) Can reports be tailored to specific financial accounting time schedules? i) Describe ad hoc reporting capabilities. j) Do reports encompass/include AMEX and Discover transactions for reconciliation and research purposes? j) Describe the training and re-training available for the firm s reports. k) Can the firm provide institution-wide and System-wide reports and institution-wide reports as well as merchant reports? Define and describe. l) Does the firm retain or archive reports for clients? Can all reports be downloaded? 15. Implementation a) The implementation target date for these services is September 1, 2015 however the System realizes that simultaneous implementation may not be feasible. Address how the company would schedule implementation for all the institutions to come online as quickly as possible. b) Describe the merchant and institution implementation process and the expected time frame for implementation. Focus on (a) merchants which will have to be transferred from another 16

17 processor as well as (b) any new merchant. Can the implmentations be done in phases at each school, such as terminals then web applications by merchant? c) Describe the merchant training process with regard to (a) new merchant training or re-training from a prior processor and (b) ongoing training (e.g., courses offered, frequency, location, and cost). d) After initial implementation, how does the individual institution create new merchant accounts? How long is that process? d) How are updates and dissemination of PCI and industry-related rules or regulatory changes accomplished? e) Does the firm publish a newsletter covering industry issues, rules, and regulations? How often is this published? How is it disseminated? Provide the latest copy. f) Specify the persons, by name and function, which will have primary responsibility for merchant implementation and training. g) Does the firm provide fraud-management training or awareness programs? h) What specific training do you offer for end-users and administrators related to hardware, software, reporting and related system functions? 16. Customer Service a) Is customer service available 24/7? How is it provided (phone or )? Are there any charges for technical or customer support services? b) Are customer services centralized or decentralized? c) Describe the promotional support you provide (e.g., signs, supplies, funds for specific purposes, advertising allowance). Is there any additional cost for this support? d) Will a specific customer service representative be assigned to handle this business? Describe the responsibilities of the customer service personnel, including the chain of command for problem resolution. g) Does the firm have scheduled periodic meetings with customers or client advisory groups to review the service? Does the firm organization host or sponsor focus groups, on-site training, user groups, etc.? If so, describe the frequency and topics of discussion. g) Describe your multilingual customer service support capabilities. h) What are the hours of operation for the customer service unit in the Central Time Zone? i) Are there established turnaround times for research items? If so, specify. j) What is the firm s history in meeting established response times? 17

18 k) Do you offer technical support for the software you provide? If so, provide the hours of support operations. l) How will you help the System and its institutions to reduce merchant services costs and manage downgrades? What reporting and tools does the firm have to assist the System in this process? What education assistance is directed to a decentralized organization like the System to achieve processing efficiency? m) Describe the dispute process and procedures for both cardholders and merchants. n) What are the procedures to correct duplicate transactions? Does your system identify and eliminate duplicate transactions automatically? Describe process. o) Does the firm offer processing solutions to perform (a) deferred billing, (b) installment billing and (c) recurring billing? p) Describe maintenance and replacement services for leased equipment. All costs for the service, shipping, etc. These are all to be reflected on Attachment B. q) Do you periodically provide cost-of-acceptance analyses for clients to ensure the best application and advantage? 17. Pricing and Contracts a) If the System is unable to execute a System-wide processing contract and only certain institutions execute a contract with your firm, what, if any, changes will be made to the proposed terms, conditions and fees to the executing institutions? b) Provide a price schedule for the services described in the RFP and any other unspecified costs required to provide the service on Attachment B. Describe the firm s overall pricing structure. Is the firm offering a fixed cost plus surcharges fee or an interchange plus fee? c) Are all terminals and other equipment available on a rent, lease or purchase basis? Describe your options. d) List and define transaction fees for authorization, settlement, network, communications and any other fees on Attachment B. Additions to the given form are expected. Include any one-time or set up charges, research fees and include all other fees or charges that will or could be charged (e.g., interchange rates by location, regular and ad hoc reporting costs). The System will not be obligated to pay for any fees not specified in the proposal. Please utilize Attachment B and its format as much as possible for evaluation purposes and complete all the questions in the second example section of the form. All fees not currently listed should be added to the Attachment and fully defined. e) List all of the firm s possible non-qualified surcharges categories (such as reward card fees, etc.) The fees for these are to be included on Attachment B. 18

19 f) Detail any change in association fees (Visa and MC) that would be charged through the program from the published interchange rates of these companies. g) Please provide bundled and unbundled pricing as applicable and consider both fixed and variable rates for the processing fee of the firm. h) Please describe the adjustment process for downgrades and the timing of them. i) When are discount fees deducted from the DDA account? Are discount fees calculated on gross or net sales? j) Provide a pro forma analysis based on the System s indicated volumes and service requirements. k) Can customers order charge slips, signs, imprinters and other supplies through you or directly from a vendor? How are the orders handled? What is the normal shipping time? l) How and when is the customer notified of price adjustments? Processor fees for the contract are set for the contract period? What if any prices are adjusted on a regular basis (semi-annual or annual)? Define and describe. m) Provide a copy of the anticipated applications and contract to be signed with the System. The System is planning to execute one contract the terms and pricing for which will extend to all institutions of the System. 19

TEXAS STATE UNIVERSITY SYSTEM REQUEST FOR PROPOSAL. MERCHANT CARD SERVICES July 31, 2009 TABLE OF CONTENTS

TEXAS STATE UNIVERSITY SYSTEM REQUEST FOR PROPOSAL. MERCHANT CARD SERVICES July 31, 2009 TABLE OF CONTENTS TEXAS STATE UNIVERSITY SYSTEM REQUEST FOR PROPOSAL MERCHANT CARD SERVICES July 31, 2009 TABLE OF CONTENTS I. Introduction and Current System Merchant Services II. III. IV. General Statement of Services

More information

SECTION IV SCOPE OF WORK CHEROKEE NATION BUSINESSES RFP MERCHANT SERVICES

SECTION IV SCOPE OF WORK CHEROKEE NATION BUSINESSES RFP MERCHANT SERVICES SECTION IV SCOPE OF WORK CHEROKEE NATION BUSINESSES RFP MERCHANT SERVICES 1. INTRODUCTION Cherokee Nation Businesses, L.L.C. ( CNB ), a wholly-owned tribal corporation of the Cherokee Nation and its subsidiaries

More information

FOX VALLEY PARK DISTRICT. Merchant Credit Card Services Request for Quotation

FOX VALLEY PARK DISTRICT. Merchant Credit Card Services Request for Quotation FOX VALLEY PARK DISTRICT Merchant Credit Card Services Request for Quotation August 21, 2015 The Fox Valley Park District invites interested parties to submit pricing for relevant information on our system-wide

More information

RFP#15-20 EXHIBIT E MERCHANT SERVICES INFORMATION SHEET

RFP#15-20 EXHIBIT E MERCHANT SERVICES INFORMATION SHEET RFP#15-20 EXHIBIT E MERCHANT SERVICES INFORMATION SHEET A. Merchant Credit Card Processing 1. Describe your company s authorization method; list and describe alternative authorization methods. 2. What

More information

SCHEDULE A MODIFIED SCOPE OF SERVICES MERCHANT CARD PROCESSING SERVICES STATE OF NORTH CAROLINA AND SUNTRUST MERCHANT SERVICES

SCHEDULE A MODIFIED SCOPE OF SERVICES MERCHANT CARD PROCESSING SERVICES STATE OF NORTH CAROLINA AND SUNTRUST MERCHANT SERVICES SCHEDULE A MODIFIED SCOPE OF SERVICES MERCHANT CARD PROCESSING SERVICES STATE OF NORTH CAROLINA AND SUNTRUST MERCHANT SERVICES Contract Number 14-06002 The terms Servicers and Vendor shall be used interchangeably

More information

Town of Fairview, Texas Request for Proposal Merchant Card Services

Town of Fairview, Texas Request for Proposal Merchant Card Services Town of Fairview, Texas Request for Proposal Merchant Card Services SECTION I REQUEST FOR PROPOSAL INFORMATION A. Introduction and Background The Town of Fairview (the Town) is requesting proposals from

More information

Addendum #2. Procurement and Contracting Services. Request for Proposals for Credit and Debit Card Services

Addendum #2. Procurement and Contracting Services. Request for Proposals for Credit and Debit Card Services Addendum #2 Procurement and Contracting Services Request for Proposals for Credit and Debit Card Services Please mark all proposal submission Envelopes with the following information Sealed RFP # L021303

More information

The following information was prepared to assist you in understanding potential Electronic Value Transfer terminology.

The following information was prepared to assist you in understanding potential Electronic Value Transfer terminology. ELECTRONIC VALUE TRANSFER CONTRACT (EVT) GLOSSARY OF TERMS The following information was prepared to assist you in understanding potential terminology. Term Description ACH Automated Clearing House is

More information

Dear Valued Merchant,

Dear Valued Merchant, Dear Valued Merchant, Welcome to Central Payment thank you for becoming our client. We are committed to providing our merchants with outstanding customer service and superior products. It is our company

More information

Glossary ACH Acquirer Assessments: AVS Authorization Back End: Backbilling Basis Point Batch

Glossary ACH Acquirer Assessments: AVS Authorization Back End: Backbilling Basis Point Batch Glossary ACH: Automated Clearing House; an electronic payment network most commonly associated with payroll direct deposit, recurring payments, and is the network most commonly used to settle merchant

More information

Introduction and Background

Introduction and Background Introduction and Background The Community College League of California is a nonprofit public benefit corporation whose voluntary membership consists of the 72 local community college districts in California.

More information

Request for Proposals

Request for Proposals Will County Treasurer Request for Proposals Merchant Services, ACH, and Online Bill Payment Brian S. McDaniel 3/5/2014 Introduction General Rules The Will County Treasurer will consider proposals from

More information

PayLeap Guide. One Stop

PayLeap Guide. One Stop PayLeap Guide One Stop PayLeap does it all. Take payments in person? Check. Payments over the phone or by mail? Check. Payments from mobile devices? Of course. Online payments? No problem. In addition

More information

An access number, dialed by a modem, that lets a computer communicate with an Internet Service Provider (ISP) or some other service provider.

An access number, dialed by a modem, that lets a computer communicate with an Internet Service Provider (ISP) or some other service provider. TERM DEFINITION Access Number Account Number Acquirer Acquiring Bank Acquiring Processor Address Verification Service (AVS) Association Authorization Authorization Center Authorization Fee Automated Clearing

More information

Attachment A. Forms. Request for Proposal Number 4724Z1

Attachment A. Forms. Request for Proposal Number 4724Z1 Attachment A Forms Request for Proposal Number 4724Z1 Bidders are required to complete all forms provided in this attachment. Forms A.1-A.6 are to be included as part of the Technical Proposal. Form A.7

More information

Answers for Merchant Service RFP Questions

Answers for Merchant Service RFP Questions Answers for Merchant Service RFP Questions The Will County Treasurer s Office has received several questions concerning our RFP for Merchant Services and Credit Card Processing. Here are our replies. We

More information

University Policy Accepting and Handling Payment Cards to Conduct University Business

University Policy Accepting and Handling Payment Cards to Conduct University Business BROWN UNIVERSITY University Policy Accepting and Handling Payment Cards to Conduct University Business Table of Contents Purpose... 2 Scope... 2 Authorization... 2 Establishing a new account... 2 Policy

More information

CREDIT CARD PROCESSING GLOSSARY OF TERMS

CREDIT CARD PROCESSING GLOSSARY OF TERMS CREDIT CARD PROCESSING GLOSSARY OF TERMS 3DES A highly secure encryption system that encrypts data 3 times, using 3 64-bit keys, for an overall encryption key length of 192 bits. Also called triple DES.

More information

RE: Request for Proposal for Merchant Credit Card Processing Services, File #08-000035

RE: Request for Proposal for Merchant Credit Card Processing Services, File #08-000035 April 25, 2008 RE: Request for Proposal for, File #08-000035 Dear Prospective Vendor: The City of Southfield, Michigan has issued this request for proposal to identify companies qualified to provide merchant

More information

What is Interchange. How Complex is Interchange?

What is Interchange. How Complex is Interchange? What is Interchange The foundation of the entire Bankcard Processing industry s cost structure. Interchange is the wholesale price, charged by Card Issuing Bank, for Authorization and Settlement of a credit

More information

Payment Methods. The cost of doing business. Michelle Powell - BASYS Processing, Inc.

Payment Methods. The cost of doing business. Michelle Powell - BASYS Processing, Inc. Payment Methods The cost of doing business Michelle Powell - BASYS Processing, Inc. You ve got to spend money, to make money Major Industry Topics Industry Process Flow PCI DSS Compliance Risks of Non-Compliance

More information

TOWN OF GLASTONBURY PROFESSIONAL SERVICES PROCUREMENT NOTICE REQUEST FOR PROPOSAL MERCHANT PAYMENT PROCESSING SERVICES RPGL # 2010-36

TOWN OF GLASTONBURY PROFESSIONAL SERVICES PROCUREMENT NOTICE REQUEST FOR PROPOSAL MERCHANT PAYMENT PROCESSING SERVICES RPGL # 2010-36 TOWN OF GLASTONBURY PROFESSIONAL SERVICES PROCUREMENT NOTICE REQUEST FOR PROPOSAL MERCHANT PAYMENT PROCESSING SERVICES RPGL # 2010-36 The Town of Glastonbury will be accepting proposals from qualified

More information

University Policy Accepting Credit Cards to Conduct University Business

University Policy Accepting Credit Cards to Conduct University Business BROWN UNIVERSITY University Policy Accepting Credit Cards to Conduct University Business Purpose Brown University requires all departments that are involved with credit card handling to do so in compliance

More information

SECTION: SUBJECT: PCI-DSS General Guidelines and Procedures

SECTION: SUBJECT: PCI-DSS General Guidelines and Procedures 1. Introduction 1.1. Purpose and Background 1.2. Central Coordinator Contact 1.3. Payment Card Industry Data Security Standards (PCI-DSS) High Level Overview 2. PCI-DSS Guidelines - Division of Responsibilities

More information

ACCEPTING PAYMENT CARDS FOR CONDUCTING UNIVERSITY BUSINESS:

ACCEPTING PAYMENT CARDS FOR CONDUCTING UNIVERSITY BUSINESS: Boston College Policy ACCEPTING PAYMENT CARDS FOR CONDUCTING UNIVERSITY BUSINESS: PURPOSE OF POLICY: The purpose of this policy is to establish procedures for accepting payment cards at Boston College

More information

Issue Date: June 22, 2011 Due Date: July 22, 2011 @ 4:00p.m.

Issue Date: June 22, 2011 Due Date: July 22, 2011 @ 4:00p.m. RFPFORPAYMENTPROCESSING SOLUTION IssueDate: June22,2011 DueDate: July22,2011@4:00p.m. Public Utility District No.1 of Cowlitz County Washington (Cowlitz PUD) REQUEST FOR PROPOSALS Payment Processing Solution

More information

Volume PLANETAUTHORIZE PAYMENT GATEWAY. vtiger CRM Payment Module. User Guide

Volume PLANETAUTHORIZE PAYMENT GATEWAY. vtiger CRM Payment Module. User Guide Volume 2 PLANETAUTHORIZE PAYMENT GATEWAY vtiger CRM Payment Module User Guide S A L E M A N A G E R M E R C H A N T S E R V I C E S User Guide and Installation Procedures Information in this document,

More information

Policies and Procedures. Merchant Card Services Office of Treasury Operations

Policies and Procedures. Merchant Card Services Office of Treasury Operations Policies and Procedures Merchant Card Services Office of Treasury Operations 1 Welcome! Table of Contents: Introduction Establishing Payment Card Services Payment Card Acceptance Procedures Payment Card

More information

How Online Payments Really Work

How Online Payments Really Work Insights for Businesses How Online Payments Really Work If you re thinking about setting up an online store, you re in good company. Shoppers are increasingly turning to online options, as their access

More information

SECTION 509: Payment Card and Electronic Funds Transfer (EFT) Procedures

SECTION 509: Payment Card and Electronic Funds Transfer (EFT) Procedures Page 1 SECTION 509: Payment Card and Electronic Funds Transfer (EFT) Procedures SOURCE: NDSU President NDSU VP for Finance and Administration NDSU VP for Information Technology It is the University s responsibility

More information

Adjustment A debit or credit to a cardholder or merchant account to correct a transaction error

Adjustment A debit or credit to a cardholder or merchant account to correct a transaction error Glossary of Terms A ABA Routing Number This 9-digit number is assigned by the American Banker s Association and is used to identify individual banks. When performing an ACH transfer from one bank account

More information

ACCEPTING PAYMENT CARDS FOR CONDUCTING UNIVERSITY BUSINESS:

ACCEPTING PAYMENT CARDS FOR CONDUCTING UNIVERSITY BUSINESS: Boston College Policy ACCEPTING PAYMENT CARDS FOR CONDUCTING UNIVERSITY BUSINESS: PURPOSE OF POLICY: The purpose of this policy is to establish procedures for accepting payment cards at Boston College

More information

How Do I Understand Credit Card Processing Fees?

How Do I Understand Credit Card Processing Fees? How Do I Understand Credit Card Processing Fees? Credit card processing rates and fees are often misunderstood and confusing, so we are committed to helping you understand the various costs associated

More information

Merchant Account Glossary of Terms

Merchant Account Glossary of Terms Merchant Account Glossary of Terms From offshore merchant accounts to the truth behind free merchant accounts, get answers to some of the most common and frequently asked questions. If you cannot find

More information

GLOSSARY OF MOST COMMONLY USED TERMS IN THE MERCHANT SERVICES INDUSTRY

GLOSSARY OF MOST COMMONLY USED TERMS IN THE MERCHANT SERVICES INDUSTRY GLOSSARY OF MOST COMMONLY USED TERMS IN THE MERCHANT SERVICES INDUSTRY Acquiring Bank The bank or financial institution that accepts credit and/or debit card payments for products or services on behalf

More information

PayPal Website Payments Pro and Virtual Terminal Agreement

PayPal Website Payments Pro and Virtual Terminal Agreement >> View all legal agreements PayPal Website Payments Pro and Virtual Terminal Agreement Last Update: Oct 22, 2013 Print Download PDF This PayPal Pro / Virtual Terminal Agreement ("Pro/VT Agreement") is

More information

WASHINGTON STATE UNIVERSITY MERCHANT ACCOUNT AGREEMENT FOR UNIVERSITY DEPARTMENTS

WASHINGTON STATE UNIVERSITY MERCHANT ACCOUNT AGREEMENT FOR UNIVERSITY DEPARTMENTS WASHINGTON STATE UNIVERSITY MERCHANT ACCOUNT AGREEMENT FOR UNIVERSITY DEPARTMENTS I. Introduction, Background and Purpose This Merchant Account Agreement (the Merchant Agreement or Agreement ) is entered

More information

WISCONSIN ACCOUNTING MANUAL Department of Administration State Controller s Office

WISCONSIN ACCOUNTING MANUAL Department of Administration State Controller s Office BACKGROUND State of Wisconsin agencies accepted more than 6 million credit/debit card payments annually through the following payment channels: Point of Sale (State agency location) Point of Sale (Retail-agent

More information

Understanding Your Merchant Fees Presented by:

Understanding Your Merchant Fees Presented by: Understanding Your Merchant Fees Presented by: Melinda Speer Terry Endres VP Strategic Sales Executive SVP Treasury Management Officer Health, Institutions, & Government Government Treasury Services Chicago,

More information

Failure to follow the following procedures may subject the state to significant losses, including:

Failure to follow the following procedures may subject the state to significant losses, including: SUBJECT: Policy and Procedures PAGE: 1 of 5 INTRODUCTION During fiscal year 2014, State of Wisconsin agencies accepted approximately 6 million credit/debit card payments through the following payment channels:

More information

bid every 10 years Are there specific pain points or issues with your current processor you are trying to resolve by going out for RFP?

bid every 10 years Are there specific pain points or issues with your current processor you are trying to resolve by going out for RFP? Questions Why are you going out for RFP? Are there specific pain points or issues with your current processor you are trying to resolve by going out for RFP? How long have you been with your current processor

More information

Clark Brands Payment Methods Manual. First Data Locations

Clark Brands Payment Methods Manual. First Data Locations Clark Brands Payment Methods Manual First Data Locations Table of Contents Introduction... 3 Valid Card Types... 3 Authorization Numbers, Merchant ID Numbers and Request for Copy Fax Numbers... 4 Other

More information

Merchant e-solutions Payment Gateway Back Office User Guide. Merchant e-solutions January 2011 Version 2.5

Merchant e-solutions Payment Gateway Back Office User Guide. Merchant e-solutions January 2011 Version 2.5 Merchant e-solutions Payment Gateway Back Office User Guide Merchant e-solutions January 2011 Version 2.5 This publication is for information purposes only and its content does not represent a contract

More information

CREDIT CARD MERCHANT PROCEDURES. Revised 01/21/2014 Prepared by: NIU Merchant Services

CREDIT CARD MERCHANT PROCEDURES. Revised 01/21/2014 Prepared by: NIU Merchant Services CREDIT CARD MERCHANT PROCEDURES Revised 01/21/2014 Prepared by: NIU Merchant Services CREDIT CARD MERCHANT PROCEDURES Contents Role of NIU Merchant Services 2 Security. 3 Method of Payment 3 Departmental

More information

Appendix 1 Payment Card Industry Data Security Standards Program

Appendix 1 Payment Card Industry Data Security Standards Program Appendix 1 Payment Card Industry Data Security Standards Program PCI security standards are technical and operational requirements set by the Payment Card Industry Security Standards Council to protect

More information

Exhibit K Official Payments Corporation Convenience Fee Services

Exhibit K Official Payments Corporation Convenience Fee Services This Exhibit K is between You ( Authorized User ) and Official Payments Corporation ( OPC ) and is made a part of and is subject to the terms and conditions of the Master Services Agreement ( Agreement

More information

JCharge White Paper. Merchant, Acquirer, Bank, Authorization Network

JCharge White Paper. Merchant, Acquirer, Bank, Authorization Network JCharge White Paper A company using an IBM iseries (AS/400) has several methods from which to choose in taking credit card payments. Whether the payments are for retail, mail order, phone order, or Internet

More information

BUSINESS GUIDE. Online Payment Processing. What You Need to Know

BUSINESS GUIDE. Online Payment Processing. What You Need to Know Online Payment Processing What You Need to Know CONTENTS + Introduction 3 + Online Payment Processing Basics 4 + The Payment Processing Network 4 + How Payment Processing Works 5 + What You Should Know

More information

The Comprehensive, Yet Concise Guide to Credit Card Processing

The Comprehensive, Yet Concise Guide to Credit Card Processing The Comprehensive, Yet Concise Guide to Credit Card Processing Written by David Rodwell CreditCardProcessing.net Terms of Use This ebook was created to provide educational information regarding payment

More information

CITY OF HELOTES, TEXAS REQUEST FOR PROPOSAL DEPOSITORY AND BANKING SERVICES TABLE OF CONTENTS

CITY OF HELOTES, TEXAS REQUEST FOR PROPOSAL DEPOSITORY AND BANKING SERVICES TABLE OF CONTENTS CITY OF HELOTES, TEXAS REQUEST FOR PROPOSAL DEPOSITORY AND BANKING SERVICES TABLE OF CONTENTS I. Introduction II. III. IV. Proposal Qualifications and Submission Instructions Overview Financial Institution

More information

e.service Merchant Services

e.service Merchant Services e.service Merchant Services With Debit Card Filter for Pre-Bankruptcy Credit Counseling Payments 1) Return the following: APPLICATION INSTRUCTIONS PROGRAM CHARGES CREDIT APPLICATION INCLUDE COPY OF 501(c)(3)

More information

CREDIT CARD MERCHANT POLICY. All campuses served by Louisiana State University (LSU) Office of Accounting Services

CREDIT CARD MERCHANT POLICY. All campuses served by Louisiana State University (LSU) Office of Accounting Services Louisiana State University Finance and Administrative Services Operating Procedure FASOP: AS-22 CREDIT CARD MERCHANT POLICY Scope: All campuses served by Louisiana State University (LSU) Office of Accounting

More information

Request for Proposal. Merchant Credit Card Services

Request for Proposal. Merchant Credit Card Services KEN MILLER OKLAHOMA STATE TREASURER Request for Proposal Merchant Credit Card Services February 19, 2013 Contact: Carole J. Bailey (405) 522-4216 carole.bailey@treasurer.ok.gov 2300 N Lincoln Blvd, Room

More information

2015 Submission Requirements / Merchant Application

2015 Submission Requirements / Merchant Application 2015 Submission Requirements / Merchant Application Support Department: Support@PDLmerchantsolutions.com Emai:Support@pdlmerchantsol utions.com 2015 CARD SUBMISSION REQUIREMENTS: Executed PDL Merchant

More information

OXY GEN GROUP. pay. payment solutions

OXY GEN GROUP. pay. payment solutions OXY GEN GROUP pay payment solutions hello. As UK CEO, I m delighted to welcome you to Oxygen8. We ve been at the forefront of multi-channel solutions since 2000. Headquartered in Birmingham, UK, we have

More information

Thank you for choosing Kudos!

Thank you for choosing Kudos! Thank you for choosing Kudos! Our goal at Kudos is to provide the most dependable, most straight forward, and most cost effective payment processing in the industry. The next step in the process is to

More information

BUSINESS ONLINE BANKING AGREEMENT

BUSINESS ONLINE BANKING AGREEMENT Business Online Enrollment Fax, mail, or email completed form to: 910-576-5023 First Bank Business Support PO Box 600 Wilmington, NC 28401 BusinessSupport@LocalFirstBank.com For questions: 866-435-7208

More information

POLICY SECTION 509: Electronic Financial Transaction Procedures

POLICY SECTION 509: Electronic Financial Transaction Procedures Page 1 POLICY SECTION 509: Electronic Financial Transaction Procedures Source: NDSU President NDSU VP for Finance and Administration NDSU VP for Information Technology A. Purpose / Rationale Many NDSU

More information

Credit Card Processing Overview

Credit Card Processing Overview CardControl 3.0 Credit Card Processing Overview Overview Credit card processing is a very complex and important system for anyone that sells goods. This guide will hopefully help educate and inform new

More information

CardControl. Credit Card Processing 101. Overview. Contents

CardControl. Credit Card Processing 101. Overview. Contents CardControl Credit Card Processing 101 Overview Credit card processing is a very complex and important system for anyone that sells goods. This guide will hopefully help educate and inform new and old

More information

Ecommerce Setup Wizard Site Setup Wizards

Ecommerce Setup Wizard Site Setup Wizards Ecommerce Setup Wizard Site Setup Wizards ecommerce Setup Wizard Before you begin this wizard you must first set up your ecommerce gateway This wizard will require information that is provided to you by

More information

INTERNET PAYMENT GATEWAY GUIDELINES

INTERNET PAYMENT GATEWAY GUIDELINES INTERNET PAYMENT GATEWAY GUIDELINES FOR PAYMENT PROCESSING MODEL AND VENDOR SELECTION The purpose of this document is to assist University of California campuses and departments in selecting an internet

More information

EDUCATION - TERMS 101

EDUCATION - TERMS 101 EDUCATION - TERMS 101 ACH (Automated Clearing House): A processing organization networked with others to exchange (clear and settle) electronic debit/credit transactions (no physical checks). ABA Routing

More information

THE CITY OF OKLAHOMA CITY REQUEST FOR PROPOSAL CREDIT CARD MERCHANT SERVICES

THE CITY OF OKLAHOMA CITY REQUEST FOR PROPOSAL CREDIT CARD MERCHANT SERVICES THE CITY OF OKLAHOMA CITY REQUEST FOR PROPOSAL CREDIT CARD MERCHANT SERVICES (Published in the Journal Record December 17, 2014) NOTICE TO PROPOSERS Notice is hereby given that The City of Oklahoma City

More information

Bill Payment Agreement

Bill Payment Agreement Bill Payment Agreement Service Provider You authorize Altra Federal Credit Union (Altra) to utilize ipay Solutions (or another processor of our choice) to provide this service to you on the Credit Union

More information

MARYLAND STATE TREASURER S OFFICE Louis L. Goldstein Treasury Building 80 Calvert Street, Room 109 Annapolis, Maryland 21401

MARYLAND STATE TREASURER S OFFICE Louis L. Goldstein Treasury Building 80 Calvert Street, Room 109 Annapolis, Maryland 21401 MARYLAND STATE TREASURER S OFFICE Louis L. Goldstein Treasury Building 80 Calvert Street, Room 109 Annapolis, Maryland 21401 QUESTIONS AND ANSWERS FOR REQUEST FOR PROPOSALS FOR MERCHANT SERVICES RFP #MCARD-07292015

More information

Merchant Card Processing Best Practices

Merchant Card Processing Best Practices Merchant Card Processing Best Practices Background: The major credit card companies (VISA, MasterCard, Discover, and American Express) have published a uniform set of data security standards that ALL merchants

More information

E-Market Policy Accepting Online Payment for Conducting University Business

E-Market Policy Accepting Online Payment for Conducting University Business Accepting Online Payment for Conducting University Business Responsible Office: Bursar s Office Contact: bursar@hartford.edu Effective Date: July 1, 2011 Last Revised: June 20, 2011 Last Reviewed: June

More information

6-8065 Payment Card Industry Compliance

6-8065 Payment Card Industry Compliance 0 0 0 Yosemite Community College District Policies and Administrative Procedures No. -0 Policy -0 Payment Card Industry Compliance Yosemite Community College District will comply with the Payment Card

More information

ELECTRONIC VALUE TRANSFER CONTRACT (EVT) CREDIT CARD CHARGEBACKS. What is a Chargeback?

ELECTRONIC VALUE TRANSFER CONTRACT (EVT) CREDIT CARD CHARGEBACKS. What is a Chargeback? ELECTRONIC VALUE TRANSFER CONTRACT (EVT) CREDIT CARD CHARGEBACKS What is a Chargeback? A chargeback is a reversal of previous sales transaction resulting when a cardholder or card issuer disputes a charge

More information

Merchant Account Reports

Merchant Account Reports Title Page Merchant Account Reports User Guide June 2014 CyberSource Corporation HQ P.O. Box 8999 San Francisco, CA 94128-8999 Phone: 800-530-9095 CyberSource Contact Information For general information

More information

Your gateway to card acceptance.

Your gateway to card acceptance. MERCHANT SERVICES Authorize.Net Solutions Your gateway to card acceptance. Processing transactions reliably and securely is essential to your business. That s why BBVA Compass and Authorize.Net, a leading

More information

Funds Transfer Agreement

Funds Transfer Agreement Funds Transfer Agreement Your Lifetime Financial Partner This Funds Transfer Authorization Agreement & Notice ( Agreement ) applies to all domestic or international Wire Transfers and Automated Clearing

More information

CAL POLY POMONA FOUNDATION. Policy for Accepting Payment (Credit) Card and Ecommerce Payments

CAL POLY POMONA FOUNDATION. Policy for Accepting Payment (Credit) Card and Ecommerce Payments CAL POLY POMONA FOUNDATION Policy for Accepting Payment (Credit) Card and Ecommerce Payments 1 PURPOSE The purpose of this policy is to establish business processes and procedures for accepting payment

More information

BUSINESS ONLINE BANKING AGREEMENT

BUSINESS ONLINE BANKING AGREEMENT BUSINESS ONLINE BANKING AGREEMENT This Business Online Banking Agreement ("Agreement") establishes the terms and conditions for Business Online Banking Services ( Service(s) ) provided by Mechanics Bank

More information

TREASURER S OFFICE ADMINISTRATIVE STANDARDS FOR THE TREASURER S FISCAL PROCEDURE No. 08-01 MERCHANT DEBIT AND CREDIT CARD RECEIPTS

TREASURER S OFFICE ADMINISTRATIVE STANDARDS FOR THE TREASURER S FISCAL PROCEDURE No. 08-01 MERCHANT DEBIT AND CREDIT CARD RECEIPTS TREASURER S OFFICE ADMINISTRATIVE STANDARDS FOR THE TREASURER S FISCAL PROCEDURE No. 08-01 MERCHANT DEBIT AND CREDIT CARD RECEIPTS 1. Introduction Debit and Credit Card Receipt Standards apply to the administration

More information

Electronic Value Transfer Administrator Form EVTA-2, Key Merchant Services (KMS) Work Order Contract PS65792

Electronic Value Transfer Administrator Form EVTA-2, Key Merchant Services (KMS) Work Order Contract PS65792 Authorized User Code Date Requisition No. Comptroller's ID No.: Commodity Group No.: 79008 Work Order No. Authorized User & Federal Identification #: Contractor: Key Merchant Services, LLC Two Concourse

More information

Information Technology

Information Technology Credit Card Handling Security Standards Overview Information Technology This document is intended to provide guidance to merchants (colleges, departments, organizations or individuals) regarding the processing

More information

SALEM FIVE ONLINE BANKING AGREEMENT

SALEM FIVE ONLINE BANKING AGREEMENT SALEM FIVE ONLINE BANKING AGREEMENT What This Agreement Covers This agreement (the Agreement ) between you and Salem Five Cents Savings Bank ( we, our, us, or Salem Five ) governs your use of Salem Five

More information

Guidelines for Accepting Credit Cards as a Form of Payment for Education, Registration and Other Fees

Guidelines for Accepting Credit Cards as a Form of Payment for Education, Registration and Other Fees Guidelines for Accepting Credit Cards as a Form of Payment for Education, Registration and Other Fees Background Over the past few years, the use of credit cards as a payment option for purchasing goods

More information

Payment Cardholder Data Handling Procedures (required to accept any credit card payments)

Payment Cardholder Data Handling Procedures (required to accept any credit card payments) Payment Cardholder Data Handling Procedures (required to accept any credit card payments) Introduction: The Procedures that follow will allow the University to be in compliance with the Payment Card Industry

More information

Merchant Integration Guide

Merchant Integration Guide Merchant Integration Guide Card Not Present Transactions Authorize.Net Customer Support support@authorize.net Authorize.Net LLC 071708 Authorize.Net LLC ( Authorize.Net ) has made efforts to ensure the

More information

Fall Conference November 19 21, 2013 Merchant Card Processing Overview

Fall Conference November 19 21, 2013 Merchant Card Processing Overview Fall Conference November 19 21, 2013 Merchant Card Processing Overview Agenda Industry Definition Process Flows Processing Costs Chargeback's Payment Card Industry (PCI) Guidelines for Convenience Fees

More information

The Wells Fargo Payment Gateway Business Center. User Guide

The Wells Fargo Payment Gateway Business Center. User Guide The Wells Fargo Payment Gateway Business Center User Guide Contents 1 Introduction 1 About the Wells Fargo Payment Gateway service Business Center 1 About this guide 2 Access the Business Center 2 Log

More information

UTAH STATE UNIVERSITY POLICIES AND PROCEDURES MANUAL

UTAH STATE UNIVERSITY POLICIES AND PROCEDURES MANUAL UTAH STATE UNIVERSITY POLICIES AND PROCEDURES MANUAL Title: Credit Card Handling and Acceptance Policy Policy Number: C3875 Effective Date: November 8, 2006 Issuing Authority: Office of VP Business and

More information

PAYMENT GATEWAY ACCOUNT AND MERCHANT ACCOUNT SETUP FORMS

PAYMENT GATEWAY ACCOUNT AND MERCHANT ACCOUNT SETUP FORMS PAYMENT GATEWAY ACCOUNT AND MERCHANT ACCOUNT SETUP FORMS Welcome to Authorize.Net, and thank you for choosing us for your e-commerce transaction needs. To complete the setup of your Authorize.Net account,

More information

HACC Central Pennsylvania s Community College Request for Proposal RFP11-09: Merchant Card Processing Plan

HACC Central Pennsylvania s Community College Request for Proposal RFP11-09: Merchant Card Processing Plan HACC Central Pennsylvania s Community College Request for Proposal RFP11-09: Merchant Card Processing Plan Acknowledgement: Please acknowledge receipt and interest in this Request for Proposal (RFP) by

More information

BOARD OF WATER WORKS OF PUEBLO, COLORADO PURCHASING DEPARTMENT 719/584-0201 - Phone 719/584-0202 - Fax. 2:00 p.m. on Thursday, May 03, 2012

BOARD OF WATER WORKS OF PUEBLO, COLORADO PURCHASING DEPARTMENT 719/584-0201 - Phone 719/584-0202 - Fax. 2:00 p.m. on Thursday, May 03, 2012 BOARD OF WATER WORKS OF PUEBLO, COLORADO PURCHASING DEPARTMENT 719/584-0201 - Phone 719/584-0202 - Fax I. INVITATION TO BID: Sealed bids will be accepted at the Board of Water Works' Purchasing Department,

More information

Contract Duration This contract runs through June 30, 2013 with annual options to renew through June 30, 2015 (two option years).

Contract Duration This contract runs through June 30, 2013 with annual options to renew through June 30, 2015 (two option years). Commonwealth of Massachusetts Electronic Payment Processing Services Contract (PRF44designatedOSC) and PCI Compliance (CTRPCI2007) Part of the Commonwealth's E-Government Initiative includes a program

More information

Written Questions and Answers

Written Questions and Answers Written Questions and Answers Merchant Card and Managed Tuition Services RFP UK-1679-16 Closing Date: 05/25/2016 Today s Date: 05/04/2016 No. Question Answer Who is the current provider for the Tuition

More information

Powering e-commerce Globally. What Can I Do to Minimize E-Commerce Chargebacks?

Powering e-commerce Globally. What Can I Do to Minimize E-Commerce Chargebacks? Powering e-commerce Globally What Can I Do to Minimize E-Commerce Chargebacks? Chargebacks are not going away. And now there are new rules. Selling products and services online and using credit cards for

More information

Phone: (541)447-5627 FAX: (541) 447-5628 Web Site: www.cityofprineville.com

Phone: (541)447-5627 FAX: (541) 447-5628 Web Site: www.cityofprineville.com City of Prineville 387 NE THIRD STREET PRINEVILLE, OREGON 97754 Phone: (541)447-5627 FAX: (541) 447-5628 Web Site: www.cityofprineville.com January 26, 2015 ADDENDUM # 3 - RFP# 1002-13-14 TITLE: Banking

More information

Dates VISA MasterCard Discover American Express. support EMV. International ATM liability shift 2

Dates VISA MasterCard Discover American Express. support EMV. International ATM liability shift 2 Network Updates Summer 2013 We are committed to working closely with you on achieving your business goals. As a part of this commitment, we carefully monitor Network changes and summarize them for your

More information

Visa Account Information Security Tool Kit. Welcome to the Visa Account Information Security Program

Visa Account Information Security Tool Kit. Welcome to the Visa Account Information Security Program Visa Account Information Security Tool Kit Welcome to the Visa Account Information Security Program 2 Contents 1. Securing cardholder data is everyone s concern 4 2. Visa Account Information Security (AIS)

More information

Elavon Canada. The Leading Merchant Service Processor

Elavon Canada. The Leading Merchant Service Processor Elavon Canada The Leading Merchant Service Processor Elavon Profile Founded in 1991 Became a wholly owned subsidiary of U.S. Bancorp in July 2001 A top global merchant processor: Processing in 30 countries

More information

QUESTIONS AND ANSWERS PROJECT #07 26 UNIFIED AND INTEGRATED ONLINE/INLINE CASHIERING SOFTWARE SYSTEM

QUESTIONS AND ANSWERS PROJECT #07 26 UNIFIED AND INTEGRATED ONLINE/INLINE CASHIERING SOFTWARE SYSTEM QUESTIONS AND ANSWERS PROJECT #07 26 UNIFIED AND INTEGRATED ONLINE/INLINE CASHIERING SOFTWARE SYSTEM Date: June 4, 2007 To: From: Subject: All Prospective Respondents Houston Community College System,

More information

POLICY & PROCEDURE DOCUMENT NUMBER: 3.3101. DIVISION: Finance & Administration. TITLE: Policy & Procedures for Credit Card Merchants

POLICY & PROCEDURE DOCUMENT NUMBER: 3.3101. DIVISION: Finance & Administration. TITLE: Policy & Procedures for Credit Card Merchants POLICY & PROCEDURE DOCUMENT NUMBER: 3.3101 DIVISION: Finance & Administration TITLE: Policy & Procedures for Credit Card Merchants DATE: October 24, 2011 Authorized by: K. Ann Mead, VP for Finance & Administration

More information

COLUMBUS STATE COMMUNITY COLLEGE POLICY AND PROCEDURES MANUAL

COLUMBUS STATE COMMUNITY COLLEGE POLICY AND PROCEDURES MANUAL PAYMENT CARD INDUSTRY COMPLIANCE (PCI) Effective June 1, 2011 Page 1 of 6 (1) Definitions a. Payment Card Industry Data Security Standards (PCI-DSS): A set of standards established by the Payment Card

More information

INFORMATION SECURITY POLICY. Policy for Credit Card Acceptance to Conduct College Business

INFORMATION SECURITY POLICY. Policy for Credit Card Acceptance to Conduct College Business DELAWARE COLLEGE OF ART AND DESIGN 600 N MARKET ST WILMINGTON DELAWARE 19801 302.622.8000 INFORMATION SECURITY POLICY including Policy for Credit Card Acceptance to Conduct College Business stuff\policies\security_information_policy_with_credit_card_acceptance.doc

More information

Optimizing the Payment Process in SAP

Optimizing the Payment Process in SAP Optimizing the Payment Process in SAP As a company, your goal is to serve your customers effectively, efficiently generating sales and collecting revenue. The nature of the sale and payment can take many

More information