Explanation of MasterCard SecureCode & Verified by Visa
|
|
- Albert Fowler
- 8 years ago
- Views:
Transcription
1 Explanation of MasterCard SecureCode & Verified by Visa Version: 2.2 Year: 2012 Author: Buckaroo Online Payment Services
2 Online acceptance of MasterCard SecureCode and Verified by Visa Unfortunately, online fraud is still a problem and can be a major expense for you as a business owner. Let us help you to substantially reduce the risks with MasterCard SecureCode and Verified by Visa two services provided by Buckaroo that have been specifically developed to help customers shop safely online. MasterCard SecureCode and Verified by Visa are unique standards which achieve what was previously impossible with online orders: identification and authentication. What it boils down to is this: MasterCard SecureCode and Verified by Visa enable the card issuer to confirm that your buyer is the rightful holder of the credit card being used. Current versus new system So how does this differ from the current system? At the moment, an approved transaction means that the credit limit has not been exceeded and payment is made by the rightful card holder. Unlike offline shops, online merchants are not able to carry out additional checks, such as comparing the signature on the card with that on the receipt and or asking for ID. If a customer afterwards denies having made the purchase, it is in many cases very difficult to prove the opposite. After all, you do not have a signed receipt. These kinds of disputes (charge backs) affect your financial security. There is, however, something you can do about this. This is why Buckaroo supports the latest MasterCard and Visa services for secure online payment: MasterCard SecureCode and Verified by Visa. MasterCard SecureCode and Verified by Visa MasterCard SecureCode and Verified by Visa do what was previously impossible in the virtual world: they positively identify the card holder and generate proof of the transaction. For you as an Internet merchant, the benefits are huge: fewer charge backs and therefore greater financial certainty. And all without making major demands on anybody concerned. In fact, payments are settled just as quickly as they are now. This document contains detailed information on these schemes. We encourage you to flip through the pages and discover what MasterCard SecureCode and Verified by Visa can do for you. Explanation of MasterCard SecureCode & Verified by Visa 2 of 6
3 What do MasterCard SecureCode and Verified by Visa do? The new systems comply with a number of conditions. They provide security for all concerned, ensure that the procedure is straightforward and available for use all over the world. A merchant in Norway has to be able to sell to, say, a customer in Brazil and both need to be sure who they are doing business with. Moreover, the consumer should be able to order from anywhere, without being tied to one particular PC. How does the identification process work? All participants, both businesses and consumers, are registered in central databases operated by MasterCard and Visa. The consumer records include a number of specific details. Their registration is handled by the card issuers themselves. The merchant also has a unique identification number. This is provided by the issuer with which they have a merchant contract. Together, the registered details contain all the data needed to check both parties to a transaction. However, this does not in itself provide a conclusive data check. For that, special software known as the Merchant Plug-In (MPI) has been developed. Linked to the merchant s payment system, this allows the details of both parties to be compared with that in the central database. How does proof of payment come about? Generating a proof of payment is done in the following way. The MPI contacts the issuer and asks it to confirm the buyer s identity. If that process is successful, the MPI receives a sort of electronic authorisation stamp the perfect alternative to the signed paper receipt. How it works in practice A consumer selects a product in your web shop, adds it to his shopping trolley and proceeds to the checkout page. At the checkout, he opts to pay by MasterCard SecureCode or Verified by Visa. Once the card details have been entered, a check is made to see if the card holder is protected by MasterCard SecureCode or Verified by Visa. If that is the case, the consumer is asked to enter his personal code. This data is securely protected and never revealed to merchants. Once the personal code has been entered, contact is made with the card issuer. Identification now takes place. If everything is in order, the bank issues an authorisation stamp for the payment. Note that such a stamp is valid for one payment only. You now need to request merchant authorisation for the transaction. To do so, you resubmit the unique authorisation stamp code. This gives the card issuer another chance to check that the code you have is the one issued for this transaction. Explanation of MasterCard SecureCode & Verified by Visa 3 of 6
4 How do you provide MasterCard SecureCode and Verified by Visa in your web shop? Buckaroo s role As a merchant, you are using Buckaroo s services to receive and process online payments. Buckaroo is a so-called Payment Service Provider (PSP) with an MPI, which enables you to use MasterCard SecureCode and Verified by Visa. The credit card acquirer role First of all, you need to have an agreement with Buckaroo for the acceptance of MasterCard and Visa. Subsequently, Buckaroo provides the credit card acquirer with a list of merchants that wish to use MasterCard SecureCode and Verified by Visa. The credit card acquirer then registers these merchants with MasterCard and Visa as official participants in the schemes. Once this has been done, the credit card acquirer notifies Buckaroo. Buckaroo then activates the MPI for your web shop and notifies you as soon as everything is up and running. Explanation of MasterCard SecureCode & Verified by Visa 4 of 6
5 Advantages and rules Charge back protection With MasterCard SecureCode and Verified by Visa, you finally have proof of transaction for the first time. If a card holder claims that he did not make the purchase, both the issuer and card holder need to be able to prove that. Unlike before, you now have to do absolutely nothing. That is because you hold the unique code provided by the issuer with which the transaction is undeniable. What does not change is that the card holder can claim a charge back if the order is not fulfilled, late of defective. We assume, however, that you will resolve such issues with the customer. We strongly recommend that you act to avoid misunderstandings. A clear policy on complaints, guarantees and returns always works in your favour. What if the consumer/card holder is not a member of the schemes? Unfortunately, not every card holder has joined MasterCard SecureCode and Verified by Visa yet. But the number is growing fast, not least because MasterCard and Visa are making their use compulsory in more and more countries! Even then, we have good news for you. If the transaction is conducted using a credit card that is not a 3D-Secure participant, you retain the charge back benefit. You do not receive the unique code, of course, but you can prove through the MPI that you requested identification and a proof of transaction. And that is sufficient, even if you have not received it. So even if the consumer later claims that he did not make the transaction, you still have charge back protection and can be sure of receiving your money. In addition to the above rules, a number of further conditions apply. These are mainly concerned with Buckaroo s automated process. For clarity, here are the rules and conditions. If you comply with all of these, you enjoy charge back protection. If a transaction has been done by credit card and the issuer cannot confirm the authenticity of the transaction and the card holder denies the transaction, you still have charge back protection as long as the following conditions are met: Charge backs Charge backs with as reason: Card holder denies purchase. The reason codes for this are: MasterCard , Visa Card holder does not recognise the transaction. The reason codes for this are: MasterCard , Visa Explanation of MasterCard SecureCode & Verified by Visa 5 of 6
6 Countries Countries/regions that participate in the MasterCard SecureCode and Verified by Visa schemes: MasterCard: The payment guarantee applies throughout the world for MasterCard consumer cards and for all commercial* cards within Europe, even when a card holder is not a participant of MasterCard SecureCode. Visa: The payment guarantee applies throughout the world for Visa consumer cards and for all commercial Visa cards within Europe, even when a card holder is not a participant of Verified by Visa. * Unfortunately, it is not possible for participants to see beforehand if the credit card is a consumer card or a commercial card. As participants in the scheme, merchants are required to have the MasterCard SecureCode and/or Verified by Visa logo displayed on their websites. The logo(s) will be provided by Buckaroo by . Charge backs and you If the credit card acquirer receives a charge back claim but you have complied with all the rules of MasterCard SecureCode and Verified by Visa, then in most cases you will not even notice the procedure. This is because they hold enough details to verify that the transaction has indeed taken place. In some cases, however, the credit card acquirer may ask you to provide additional information. This will usually be data recorded by the MPI, for example, the information about your attempt to verify the card holder s identity or your request for a proof of transaction (the authorisation stamp ), which was not fulfilled because the card holder was not a member of the relevant scheme. Explanation of MasterCard SecureCode & Verified by Visa 6 of 6
Righting wrongs. How Westpac helps you resolve credit and debit card transaction disputes.
Righting wrongs. How Westpac helps you resolve credit and debit card transaction disputes. Although at Westpac we do everything we can to prevent it, sometimes problems arise with credit and debit card
More informationElavon Payment Gateway- 3D Secure
Elavon Payment Gateway- 3D Secure Service Overview April 2013 Payer Authentication Service What Is Payer Authentication? When selling on the internet and accepting payments by credit and debit card it
More informationManaging Recurring Transactions Merchant Best Practice Guide
Merchant Best Practice Guide Visa Europe Risk Management Welcome to Visa Europe s Risk Management Best Practice Guide for Recurring Transactions (RTs). RTs are an important payments segment and volumes
More informationFirst Data E-commerce Payments Gateway
First Data E-commerce Payments Gateway High performance payment processing solution designed specifically to meet the requirements of global Card-Not-Present PSP When you partner with First Data for your
More informationStreamline Cardholder Authentication. Avoid being the target of online fraud
Streamline Cardholder Authentication Avoid being the target of online fraud Streamline Cardholder Authentication helps protect your business and your customers Streamline Cardholder Authentication shifts
More informationInternet Authentication Procedure Guide
Internet Authentication Procedure Guide Authenticating cardholders successfully V10.0 Released May 2012 Software Version: Internet Authentication Protocol COPYRIGHT NOTICE No part of this publication may
More informationGP webpay: Practical Examples
: July 2013 TABLE OF CONTENTS: EXAMPLE 1: PURCHASE OF GOODS CREATING AN ORDER WITH AUTHORIZATION... 4 EXAMPLE 2: PURCHASE OF GOODS IMMEDIATE REQUEST FOR TRANSFERRING THE AMOUNT FROM THE CARD HOLDER S ACCOUNT...
More informationResource 3.9. A Guide to Online Payment Facilities
A Guide to Online Payment Facilities Resource 3.9 Online consumers expect a high level of service and a seamless shopping experience when they purchase goods and services over the Internet. One of the
More informationincrease your resistance How card not present gaming companies can minimise the risk of losing money through chargebacks
increase your resistance How card not present gaming companies can minimise the risk of losing money through chargebacks payment acceptance protect yourself We know that receiving a chargeback can cause
More informationPaya Card Services Payment Gateway Extension. Magento Extension User Guide
Paya Card Services Payment Gateway Extension Magento Extension User Guide Table of contents: 1. 2. 3. 4. 5. How to Install..3 General Settings......8 Use as Payment option..........10 Success View..........
More informationA guide for accepting online payments for Hertfordshire emarketplace Providers
A guide for accepting online payments for Hertfordshire emarketplace Providers CONTENTS Background... 3 Accepting online payments... 3 Online payment terminology... 3 Acquirers... 3 Internet merchant accounts
More informationElavon Payment Gateway Integration Guide 3D Secure
Elavon Payment Gateway Integration Guide 3D Secure Version: v1.1 Table of Contents 1 About This Guide 3 1.1 Purpose 3 1.2 Audience 3 1.3 Prerequisites 3 1.4 Related Documents 3 2 Introduction 4 3 3D Secure
More informationCardholder Authentication Guide. Version 4.3 August 2013 Business Gateway
Cardholder Authentication Guide Version 4.3 August 2013 Business Gateway ii This page is intentionally blank Table of Contents About this Guide... 1 History... 1 Copyright... 2 Introduction... 3 What is
More informationWhen checking the status of the Cardholder's Card (card status check) a so-called "zero value authorisation" shall always be used.
REGULATIONS FOR SALES PAID BY CARD REMOTE TRADING (Card Not Present) (May 2015) These regulations, the "Remote Trading Regulations", apply to sales paid by Card in Remote Trading. "Remote Trading" refers
More information3D Secure Code: Shop Safely Online
1 2 3D Secure Code: Shop Safely Online Societe Generale Expressbank offers its clients a new functionality for cardholder authentication developed in cooperation with the international card organizations
More informationPowering 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 informationWestpac Added Online Security. Terms and Conditions
Westpac Added Online Security Terms and Conditions Effective as at 31 March 2015 1 Overview The Service is provided to you by Westpac without charge and is offered as part of Westpac Added Online Security
More informationBOV e-commerce. your guide to: General Product Information The Benefits Your Checklist Important Information Our Fees and Charges Terms and Conditions
BOV e-commerce your guide to: General Product Information The Benefits Your Checklist Important Information Our Fees and Charges Terms and Conditions General Product Information What is an e- commerce
More informationProcessing credit card payments over the internet. The business of getting paid.
Processing credit card payments over the internet. The business of getting paid. X Tap into the vast potential of the Internet today with WIPS Plus. The internet is a huge opportunity for businesses large
More informationInstructions for merchants
Instructions for merchants Acquiring payments on the Internet or in mail and telephone orders This handbook is intended for everyone whose work includes acquiring of MasterCard and Visa payments on the
More informationVersion 1.0 STRATEGIC PARTNER TRAINING MANUAL
Version 1.0 STRATEGIC PARTNER TRAINING MANUAL Table of Contents Introduction... 3 Features of the Strategic Partnership... 3 Responsibilities... 3 Billing... 4 Gateway Service... 4 Risk... 4 I. PRODUCTS/SERVICES...
More information1. Definitions The following definitions are, both in the singular and in the plural, used in these terms and conditions payment methods Buckaroo:
Conditions Paymenttypes Buckaroo version 7.4 01-12-2014 Page 1 of 7 Specific Terms and Conditions per Payment Method This document contains the terms and conditions that Buckaroo and Payment Service Owners
More informationMerchant Plug-In. Specification. Version 3.2. 110.0093 SIX Payment Services
Merchant Plug-In Specification Version 3.2 110.0093 SIX Payment Services Table of contents 1 Introduction... 3 1.1 Summary... 3 1.2 Requirements... 4 1.3 Participation and Result of the Authentication...
More informationAn Introduction for Online Merchants. MasterCard SecureCode Building Consumer Confidence, Extending Your Market Reach
An Introduction for Online Merchants MasterCard SecureCode Building Consumer Confidence, Extending Your Market Reach IntroducingMasterCard The possibilities of the online marketplace are virtually unlimited,
More informationDEBIT and CREDIT CARDS
1. What is a credit card and how it differs from a debit card? A payment card is a piece of plastic containing essential banking information about the holder authorizing him to pay for goods and services
More informationPAYMENT GATEWAYS BURHAN KHALID @BURHAN STARTUPQ8 7 TH EVENT MARCH 22 2013
PAYMENT GATEWAYS BURHAN KHALID @BURHAN STARTUPQ8 7 TH EVENT MARCH 22 2013 TODAY S TALK Payment System Basics Different Types of Providers Debit vs. Credit Integration Tips & Techniques PAYMENT SYSTEM BASICS
More informationPlastic Cards: A Guide to Consumer Protection in the UK
Plastic Cards: A Guide to Consumer Protection in the UK One of the key benefits of using a UK-issued credit, debit or pre-paid card, is that your transactions can benefit from consumer protection that
More informationUnderstanding debit cards Plastic with a difference
Managing Money www.managing-money.org Understanding debit cards Plastic with a difference $$ A project of Consumer Action Many consumers prefer to use a debit card rather than a credit card for shopping
More informationAl-Tijari 3D secure Frequently Asked Question
Al-Tijari 3D secure Frequently Asked Question Q: What is Al-Tijari 3D secure? A: Al-Tiajri 3D Secure is a free service provided by CBK in collaboration with both VISA (Verified by Visa) and MasterCard
More informationFrequently Asked Questions
Frequently Asked Questions Verified By Visa Frequently Asked Questions This section offers additional information and details about Verified By Visa. General questions Registration During Shopping Shopping
More informationUBB AD GENERAL TERMS FOR ACCEPTANCE OF PAYMENTS WITH DEBIT AND CREDIT CARDS AT MERCHANTS
UBB AD GENERAL TERMS FOR ACCEPTANCE OF PAYMENTS WITH DEBIT AND CREDIT CARDS AT MERCHANTS 1. United Bulgarian Bank AD (UBB AD) provides for use to merchants, with which UBB AD has signed an Agreement for
More informationBUCKAROO-PAYMENTS.COM
Fraud prevention BUCKAROO-PAYMENTS.COM 1. Unsafe web shops Introduction In practice, web shops are regularly vulnerable for fraud. If a web shop environment is not secure, fraudsters can change and/or
More informationThe EZpay Online Payment Program
The EZpay Online Payment Program Registering With EZpay To begin using the program, click on the EZpay link provided by your school district. Your registration is tracked by email address so if parents
More informationRisk Management Service Guide. Version 4.2 August 2013 Business Gateway
Risk Management Service Guide Version 4.2 August 2013 Business Gateway This page is intentionally blank. Table Of Contents About this Guide... 1 Change History... 1 Copyright... 1 Introduction... 3 What
More informationINDEX. Please click on a section title to go to the respective page WELCOME ON BOARD... 04
INDEX Please click on a section title to go to the respective page WELCOME ON BOARD... 04 KEY BENEFITS... 05» SAVINGS ON FUEL PURCHASES... 08» EARN FUEL WITH PAYBACK POINTS...08» EXPERIENCE ENTERTAINMENT...
More informationFREQUENTLY ASKED QUESTIONS - CHARGEBACKS
FREQUENTLY ASKED QUESTIONS - CHARGEBACKS # Questions Answer 1 What is a Chargeback? A Chargeback is the term used by Banks for debiting a merchant s bank account due to successful return of a transaction
More informationEnhancing Payment Card Security New Measures to be Phased in from 2 nd Quarter 2010 to 1 st Quarter 2011
Enhancing Payment Card Security New Measures to be Phased in from 2 nd Quarter 2010 to 1 st Quarter 2011 On 5 th March 2010, The Association of Banks in Singapore announced key measures to adopt a holistic
More informationBUSINESS 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 informationVisa Debit & Prepaid Card Access Terms and Conditions As at 1 August 2015
As at 1 August 2015 VISA Card Conditions of Use These Conditions of Use take effect immediately except as otherwise advised in writing and replace all VISA Debit Card Conditions of Use previously issued.
More informationOXY 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 informationHow To Use An Afn Amro Credit Card
AA_3coloursC.eps ABN AMRO 3 PMS colours for coated paper Width shield: 20 mm Overlap: 0,05 mm ABN AMRO Credit Card User manual 2 Table of contents 3 3 4 5 6 Introduction A safe way to pay Expiry date Loss
More informationOnline Payment Processing What You Need to Know. PayPal Business Guide
Online Payment Processing What You Need to Know PayPal Business Guide PayPal Business Guide Online Payment Processing 2006 PayPal, Inc. All rights reserved. PayPal, Payflow, and the PayPal logo are registered
More information1. Know where to begin
Guideline for E-Commerce Merchants แนะแนวผ ประกอบการในการท าการค าแบบพาณ ชย อ เล กทรอน กส By Dr. Chonchanok Viravan, President United Nations Convention Center, Bangkok, Thailand 15 December 2006 Chonchanok
More informationSecure Online Payment Verified by Visa and MasterCard SecureCode
Secure Online Payment Verified by Visa and MasterCard SecureCode WHAT ARE THEY? HSBC's Verified by Visa and MasterCard SecureCode is the secure online payment services to provide you with extra security
More informationMAYBANK E-COMMERCE CREDIT CARD FACILITY Online Credit Card Payment
MAYBANK E-COMMERCE CREDIT CARD FACILITY Online Credit Card Payment By : E-COMMERCE MERCHANT BUSINESS CARDS BUSINESS GROUP MAYBANK 38 TH Floor Menara Maybank 100 Jalan Tun Perak 50050 Kuala Lumpur Version
More informationDear 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 informationHow to Resolve Dispute with a Card issuer
Disputes Management Guide Version 4.0 December 2011 Business Gateway Dispute Management Guide Table Of Contents About This Guide... 3 Update History... 3 Copyright... 3 Introduction to Dispute Management...
More informationVisa Merchant Best Practice Guide for Cardholder Not Present Transactions
Visa Merchant Best Practice Guide for Cardholder Not Present Transactions Table of Contents Section 1 About This Guide 03 Section 2 Merchant Procedures 05 Section 3 Authorisation 07 Authorisation Procedures
More informationFrequently Asked Questions
Frequently Asked Questions INTRODUCING MASTERPASS WHAT IS MASTERPASS? WHAT ARE THE BENEFITS OF MASTERPASS? WHAT IS THE CUSTOMER EXPERIENCE WHEN MY CONSUMER CLICKS ON BUY WITH MASTERPASS? CAN MY CUSTOMERS
More informationRisk & Fraud Management Solutions
Risk & Fraud Management Solutions Protect Your Business and Reduce Fraud Transaction Type Summary Last 14 days 150k 100k 50k 0k 26.11. 27.11. 28.11. 29.11. 30.11. 1.12. 2.12. 3.12. 4.12. 5.12. 6.12. 7.12.
More informationAn introduction to CashFlows and the provision of on-line card acceptance services we provide to Young Enterprise companies
An introduction to CashFlows and the provision of on-line card acceptance services we provide to Young Enterprise companies Q. What is CashFlows? A. CashFlows is a Financial Services company that provides
More informationRegistration and PCI DSS compliance validation
Visa Europe A Guide for Third Party Agents Registration and PCI DSS compliance validation October 2015 Version 1.1 Visa Europe 2015 Contents 1 Introduction... 4 1.1 Definitions of Agents... 4 2 Registration
More informationCredit cards explained
Credit cards explained What is a credit card? As its name suggests, a credit card lets you buy things on credit meaning that you don t need to have the money upfront to pay for your purchases. If large,
More informationTERMS AND CONDITIONS OF AGREEMENT FOR CREDIT CARD WITH FIXED PAYMENT Valid as of 01.01.2012
1. GENERAL PROVISIONS 1.1 Agreement for credit card with fixed payment (hereinafter the Agreement) regulates the rights and obligations for using a credit card issued by (hereinafter the Bank). 1.2 A credit
More informationCard Acceptance Best Practices for Lowest Processing Costs
Card Acceptance Best Practices for Lowest Processing Costs I. Card Acceptance Best Practices Goal. The credit card companies and associations require that their cards are accepted according to a set of
More informationEMV and Small Merchants:
September 2014 EMV and Small Merchants: What you need to know Mike English Executive Director, Product Development Heartland Payment Systems 2014 Heartland Payment Systems, Inc. All trademarks, service
More informationOur 24 tips to get you trading online in 24 hours
Our 24 tips to get you trading online in 24 hours With e-commerce growing by 14% this year in the UK and online shopping figures at an all time high, there has never been a better time to set your business
More informationGP webpay - service description
GP webpay - service description Version: 2.0 Global Payments Europe, s.r.o. Created 15.10.2015 Last update 14.12.2015 Author Dimitrij Holovka Manager Approved by Version 2.0 Confidentiality Confidential
More informationDoing Business with Serco - A Suppliers Guide
Doing Business with Serco - A Suppliers Guide We recognise the value our suppliers bring to Serco and we want to make it simple to do business with us. This guide will help you understand how to comply
More informationCRM4M Accounting Set Up and Miscellaneous Accounting Guide Rev. 10/17/2008 rb
CRM4M Accounting Set Up and Miscellaneous Accounting Guide Rev. 10/17/2008 rb Topic Page Chart of Accounts 3 Creating a Batch Manually 8 Closing a Batch Manually 11 Cancellation Fees 17 Check Refunds 19
More information3D Secure safe on-line shopping with your payment card
3D Secure safe on-line shopping with your payment card 3D Secure standard represents a modern method of securing your online shopping experience, when you decide to pay by debit or credit card. Paying
More informationINSTRUCTIONS FOR REGISTRATION AND USE OF MASTERCARD SECURECODE SERVICE FOR INTERNATIONAL ASSET BANK AD CARDHOLDERS
INSTRUCTIONS FOR REGISTRATION AND USE OF MASTERCARD SECURECODE SERVICE FOR INTERNATIONAL ASSET BANK AD CARDHOLDERS 1 TABLE OF CONTENTS: 1. What is MasterCard SecureCode? 3 2. How to register for MasterCard
More informationMerchant Business Solutions. Protecting business against credit card fraud.
Merchant Business Solutions. Protecting business against credit card fraud. Version 4.0 May 2011 Contents Protect your business 3 Authorisation 4 Chargebacks 5 Verification of Purchaser 6 Types of goods
More informationDEBIT MASTERCARD APPLICATION
DEBIT MASTERCARD APPLICATION Hickory Point Bank s Debit MasterCard - the only card you need Our Debit MasterCard gives you a fast, economical and convenient way to purchase the products and services you
More informationUPCOMING SCHEME CHANGES
UPCOMING SCHEME CHANGES MERCHANTS/PARTNERS/ISO COPY Payvision Ref: Payvision-Upcoming Scheme Changes (v1.0)-march 2016 1 Rights of use: COMPLYING WITH ALL APPLICABLE COPYRIGHT LAWS IS THE RESPONSABILITY
More informationHow To Get A Credit Card Online
MY NOTE TAKING NERD S NOTES FROM EBEN PAGAN S GURU MASTERMIND PROGRAM Nuts & Bolts Training: Picking the Right Merchant Account Provider & Setting Up Your Account (Hosted by David Hlavac; with Peter Knopf,
More informationsupport@greatergiving.com 866-269-8151 Greater Giving 2014 Cashiering Entering Payments Banking the Event During
Please return this guide with the rest of the equipment. Before the Event During the Event After the Event Return Equipment Equipment Setup Training Check-in Cashiering Entering Payments Banking Posting
More informationimportant for me Postbank P.O.S. Transact
important for me Smooth, secure processing of card payments online, by phone or by fax. The benefits of being a Postbank partner for distance selling. Postbank P.O.S. Transact 2 At a glance The benefits
More informationVirtual POS Services Information Guide
Virtual POS Services Information Guide Dear Clients and future Partners! UniCredit Bank pays special attention to the continuous improvement of its bankcard services. We offer a wide variety of different
More informationWestpac Business Banking. Accepting EFTPOS and credit card payments
Westpac Business Banking Accepting EFTPOS and credit card payments Our team of EFTPOS Solution Specialists are here for you. Whether you re setting up or making changes to how you handle customer payments,
More informationIdentity Theft Prevention & Detection Red Flags Rule Compliance Policy Procedures I. Identify red flags.
Identity Theft Prevention & Detection Red Flags Rule Compliance Policy It is the policy of Kilgore Vision Center to follow all federal and state laws and reporting requirements regarding identity theft.
More information365 Phone, Online and Mobile Banking Terms and Conditions - Republic of Ireland Effective from 25 th November 2013
365 Phone, Online and Mobile Banking Terms and Conditions - Republic of Ireland Effective from 25 th November 2013 1.0 Definitions of Terms used in this Document 2.0 Accounts 3.0 Mandates 4.0 SEPA Transfers
More informationFraud Mitigation and Identity Verification for Card Not Present Transactions Overview
Fraud Mitigation and Identity Verification for Card Not Present Transactions Overview Credit card fraud costs businesses over $11 Billion dollars annually. The percentage of revenue lost to fraud is rising;
More informationManual ideal Professional
Manual ideal Professional Version October 2014 Rabobank Nederland Manual ideal Professional October 2014 Version 1.0 1 Table of Contents Table of Contents... 2 Introduction... 4 Description of Rabobank
More informationUnionPay Online Payment enabled by NAB Transact.
UnionPay Online Payment enabled by NAB Transact. Getting Started Guide and Forms April 2013 (v1.2) Access consumers in China with UnionPay Online Payment This guide will introduce you to the UnionPay Online
More informationAppendix. Data Tables
Appendix Data Tables Index of Tables Part 1: In-Store Payment Preferences...167 1.1 What payment products do you have?...167 1.2 How often do you use the following payment methods for purchases in stores?...167
More informationThe University of Georgia Credit/Debit Card Processing Procedures
The University of Georgia Credit/Debit Card Processing Procedures The University of Georgia currently accepts four major credit cards (MasterCard, Visa, Discover and American Express) for payment of services
More informationusing your Professional Card
using your Professional Card Safe, convenient payment throughout the world 2 04 05 08 09 12 13 15 17 19 22 23 The benefits of your card Before you start using your card What you need to know about your
More informationEMP's vision is to be the leading electronic payments processing company in the emerging markets of Africa and the Middle East.
EMP's vision is to be the leading electronic payments processing company in the emerging markets of Africa and the Middle East. EMP's mission is to be at the forefront of the region's electronic payments
More informationGENERAL TERMS AND CONDITIONS FOR ISSUANCE AND USE OF BUSINESS MASTERCARD REVOLVING CREDIT CARD
GENERAL TERMS AND CONDITIONS FOR ISSUANCE AND USE OF BUSINESS MASTERCARD REVOLVING CREDIT CARD 1. Card Issuing A card may be issued to a legal or physical person with registered business activity and head
More informationE-Commerce Applications E-payment
Ecommerce Applications 2009/10 E-Commerce Applications E-payment Session 3 1 Overview Payment process Credit card payment online Payment systems Risks and challenges Chargeback Internet fraud Session 3
More information2015-11-02. Electronic Payments Part 1
Electronic Payments Part Card transactions Card-Present Smart Cards Card-Not-Present SET 3D Secure Untraceable E-Cash Micropayments Payword Electronic Lottery Tickets Peppercoin Bitcoin EITN4 - Advanced
More informationOnline credit/debit card processing with RBS WorldPay
Mamut Business Software Introduction Online credit/debit card processing with RBS WorldPay 1 Online credit/debit card processing with RBS WorldPay Contents Online credit/debit card processing with RBS
More informationMerchant Account Set-up Guide
Merchant Account Set-up Guide The payment process and your merchant account There are two major components necessary to accept card from your customers. The first is a merchant bank account and the second
More informationVISA DEBIT CARD CONDITIONS OF USE
GOLDFIELDS MONEY LTD VISA DEBIT CARD CONDITIONS OF USE Effective: 20 May 2015 These Conditions of Use take effect on and from 20/05/2015 except as otherwise advised in writing and replace all VISA Debit
More informationCardsave Payment Gateway
Cardsave Payment Gateway Cart Implementation David McCann Cardsave Online Version 1 1 st August 2010 Contents Page Overview 3-4 o Integration Types 3 Direct/Integrated (Preferred Method) Re-direct/Hosted
More informationMerchant Account Service
QuickBooks Online Edition Feature Guide Merchant Account Service C o n t e n t s Introduction............................. 2 What is a merchant account?.................. 2 What types of credit cards can
More informationCredit Cards CARD TRANSACTIONS AND YOU. Credit Cards. A consumer education programme by:
Credit Cards CARD TRANSACTIONS AND YOU Credit Cards A consumer education programme by: CONTENTS 1 Introduction 2 What is a credit card and how it works Applying for a credit card 3 Application process
More informationE-Commerce Applications E-payment
E-Commerce Applications E-payment Session 3 1 Overview Payment process Credit card payment online Payment systems Risks and challenges Chargeback Internet fraud Session 3 2 E-commerce overview Buying and
More informationMasterCard Debit Card Disputes and Fraud Claims
MasterCard Debit Card Disputes and Fraud Claims For the credit union to process your MasterCard dispute or fraud claim in a timely manner, please follow this comprehensive member guide. Rutgers Federal
More informationNATIONAL BANK s MasterCard SecureCode / Verified by VISA Service - Questions and Answers
Learn more about MasterCard SecureCode / Verified by VISA service of NATIONAL BANK. You can use the links below to jump to specific topics, or scroll down the page to read the full list of questions and
More informationThird Party Agent Registration and PCI DSS Compliance Validation Guide
Visa Europe Third Party Agent Registration and PCI DSS Compliance Validation Guide May 2016 Version 1.3 Visa Europe 2015 Contents 1 Introduction... 4 1.1 Definitions of Agents... 4 2 Registration Process...
More informationSage Pay Fraud Prevention Guide
Sage Pay Fraud Prevention Guide April 2014 Table of Contents 1.0 Introduction to fraud prevention 3 1.1 What are the fraud prevention tools 3 2.0 AVS/CV2 4 2.1 What is AVS/CV2 4 2.2 How it works 5 2.3
More informationChargeback Reason Code List - U.S.
AL Airline Transaction Dispute AP Automatic Payment AW Altered Amount CA Cash Advance Dispute CD Credit Posted as Card Sale CR Cancelled Reservation This chargeback occurs because of a dispute on an Airline
More informationCool Tech Club E-commerce Fraud and Fraud Mitigation. Steve Manning August 25, 2004
Cool Tech Club E-commerce Fraud and Fraud Mitigation Steve Manning August 25, 2004 1 Overview Fundamentals of online transactions Trends in online fraud How fraud happens Protection Against Fraud 2 How
More informationTowards basic electronic payments A roadmap for competitive and inclusive payment systems in Europe
Towards basic electronic payments A roadmap for competitive and inclusive payment systems in Europe Revised position paper Date: May 2013 What do we need from our electronic payments? What Europe needs
More informationBanking for charities
Banking for charities Information for people who manage the financial affairs of a charity or voluntary organisation INSPIRING FINANCIAL LEADERSHIP Welcome This leaflet is for people who manage the financial
More informationE-Commerce SOLUTIONS. Generate Online Revenue with E-Commerce Solutions. www.monexgroup.com
E-Commerce SOLUTIONS In this report, MONEXgroup examines various types of online payment processing and E-Commerce Solutions. The tremendous transition towards online shopping stores in Canada has opened
More informationSecurity in connection with card payments. Non-face-to-face transactions (e-commerce/mail and telephone order)
Security in connection with card payments Non-face-to-face transactions (e-commerce/mail and telephone order) Most people are honest luckily Every year, millions of transactions are carried out with payment
More information