Plastic Card Claims Automation Specifications Document

Size: px
Start display at page:

Download "Plastic Card Claims Automation Specifications Document"

Transcription

1 Plastic Card Claims Automation Specifications Document Version: 1.3 Last modified: April 28, 2009 The Plastic Card Policy is underwritten by CUMIS Insurance Society, Inc., a member of the CUNA Mutual Group. CUNA Mutual Group, 2008 All Rights Reserved. Any further reproduction, adoption or distribution is prohibited without CUNA Mutual s written consent

2 Card Processor Claims Automation Project Description This project will automate the plastic card claims data collection process by transmitting fraud close-out package details from a card processor to CUNA Mutual Group. The goal will be for CUNA Mutual to receive transmission files containing the required claims data from card processors and process all the received transactions automatically in APEX (CUNA Mutual's claims system) thus automating the data gathering and adjudication process of Plastic Card losses. Automating data collection and adjudication process will expedite the claims process, reduce operational costs and provide a more consistent a higher quality service to credit unions. Credit unions will no longer be required to submit any Plastic Card Claims for data sent via the automated process. By automating the claims process, CUNA Mutual reduces demand on the credit union and assures quality data is obtained. This process will also streamline internal operating procedures. In addition to the benefits to CUNA Mutual and Credit Unions, the processors would also experience long term reduction in costs by eliminating the need to produce and deliver large volumes of paper documents. Features and Benefits Decrease claims turn-around times Elimination of manually intensive processes, thereby Increasing internal operating efficiency. Reduce operational expenses: o No need to copy, , fax or mail fraud close out package detail o Minimize the back & forth of obtaining documentation o Streamline the Claims Process elimination of Proof of Loss requirement for Visa/MC losses Improve claims decision-making process Comprehensive dataset Automated business rule validation and update of the claims transaction record Improved ability to quickly and accurately identify and pay claims Greater market & customer focus, with improved customer interactions Potential to identify fraud trends more quickly Improve the Quality & Traceability of Data o Faster access and review of data o More cost-effective (no hard copy or manual intervention) o Improved data integrity (follows ISO standard) o Traceable o Comprehensive PCI Compliant Develop closer relationships between processors, credit unions and CUNA Mutual. Please note that the term Card Processor could refer to a traditional card processing company, a credit union processing their authorizations in-house or a credit union service organization. Please contact CUNA Mutual to determine the best solution for your institution. Chuck Cashman, Director Product Management CUNA Mutual Group 5910 Mineral Point Road Madison, WI Confidential Page 2 version 1.3

3 REQUIREMENTS Card Processor Expectations 1. Card Processor will only send Loss/Unauthorized transactions. 2. Card processor will only send transactions for Automated Credit Unions that have signed a release with the card processor. 3. Card Processor is expected to send all transaction related to any loss (card) at a time. 4. CUNA Mutual strongly discourages the practice of sending few transactions related to a particular loss (card) in one file/day and few other transactions in a different file/day. CUNA Mutual will still accept the transactions, but this practice should be avoided. 5. If there are no Loss transactions for a day, the processor still needs to send a file with header and trailer only. 6. Card Processors should send the transactions only in the specified layout with the specified valid values. 7. File should be sorted by the Processor before transmitting to CUNA Mutual. The Sort Order is: a. Credit Union Identification Number b. Bin Number c. Account Number d. Last Name e. Transaction Date & Time f. Transaction Amount g. Approval Code (Authorization Code) Note: If file sorting occurs after transactions are created, there is a possibility that the record numbers will be out of sequence. This is an acceptable scenario. 8. If any transaction under a loss (Account) failed Data Validation, CUNA Mutual will reject all Transactions under that account even if some transactions Passed Data Validation. The Processor should resend all the Transactions under that account (Loss). 9. The maximum number of Transactions in a file should not exceed 15,000. If the loss transactions are more than 15,000 on a day then the Processor should send the transactions in multiple files each not exceeding 15,000 limit. 10. The Carriage Return line field should be there for each record in the Transaction file. (Header, Each Detail Record and Trailer Record). 11. File Naming Convention: The Processor should name the file as follows: ProcessorShortName.TRANS.CreationDate.CreationTime.txt a. Examples: i. ABC.TRANS txt ii. ABC.TRANS txt b. Note: The Creation time should be in military format. For example if the time is 2:30:30 pm, the creation time should be Confidential Page 3 version 1.3

4 Data Cleansing & Default Mapping by CUNA Mutual While validating the transaction file, if CUNA Mutual finds any invalid values for the following fields, CUNA Mutual will map the values to valid codes in order to accept the transaction: i) POS Entry Mode: Invalid codes will be mapped to '00' ii) CVV/CVC, CVV2/CVC2/CID, AVS, ECI, CAVV/AAV: Invalid codes will be mapped to '00' space(s) CUNA Mutual will communicate the invalid codes to the card processor via an (see File Transmission & Transaction Error Reject Scenarios #7). Examples: If the Processor Sends. Then CUNA Mutual Maps to. POS Entry Mode = CVV = Z space(s) CVV2 = A space(s) AVS = 1 space(s) ECI = X space(s) CAVV = M space(s) It is not required for the processor to resend transactions that were contained in the . However, the card processor should review their code to ensure accuracy for future transmissions. File Processing Timelines 1. Files received before 9:00 pm (CST) on week days (working days) will be processed on the same day. 2. Files received after 9:00 pm (CST) on working days will be processed on next working day. 3. Files received on non-working days will be processed on the next working day. Confidential Page 4 version 1.3

5 File and/or Transaction Errors That Will Cause a File or Record to Be Rejected File Transmission & Transaction Error Reject Scenarios Auto- Response If a received file name exactly matches any previously received file name, CUNA Mutual considers this a duplicate file and will reject the entire file. If the Trailer Record Count Total Dollar Amount Detail Records Minimum Amount Detail Records Maximum Amount of the received file is an exact match to one of the last 10 previously processed files, CUNA Mutual considers this as a duplicate file and reject the entire file. If the Sum of the Transaction Amounts of all the Detail Records received does not match with the Trailer Record Total Amount; (or) If the Total number of Detailed Records received does not match with the Trailer Record Count, CUNA Mutual considers the file as invalid and will reject the entire file. If more than 20% of the transactions within the file are duplicates, then CUNA Mutual consider the file as invalid and reject the entire file. CUNA Mutual will send an to the Processor as follows. The entire file has been rejected because of the following reason. The received file name is an exact match to a previously processed file. We assume this file is a duplicate. If this is not the case, please correct the file name and resend. The entire file has been rejected because of the following reason. The Trailer Record Count, Total Dollar Amount, Detail Records Minimum Amount and Detail Records Maximum Amount indicated in the received file is an exact match to one of the last 10 previously processed (CP1.TRANS txt) files. We assume this file is a duplicate. The entire file has been rejected because of the following reason(s). The Sum of the Transaction Amounts of all the Detail Records received doesn t match with the Trailer Record Total Amount. Please correct and resend the entire file. or The Total number of Detailed Records received doesn t match with the Trailer Record Count. Please correct and resend the entire file. More than 20% of the transactions within the file are duplicates. Please correct and resend the entire file. Confidential Page 5 version 1.3

6 File and/or Transaction Errors That Will Cause a File or Record to Be Rejected File Transmission & Transaction Error Reject Scenarios Auto- Response 5 6 If more than 20% of the transactions in a file have invalid Data or if more than 20% of the accounts contain Invalid Data transactions, CUNA Mutual will consider the file as invalid and reject the entire file. If the file is not sorted in the CUNA Mutual specified order, CUNA Mutual will consider the file as invalid and reject the entire file. The entire file has been rejected because of the following reason(s). More than 20% of the transactions in a file have Invalid Data. More than 20% of the Accounts contain Invalid Data transactions. 1) Account Number/Last Name: Field Names Fraud Type ( ) Card Brand ( ), Card Type ( ) 2) Account Number/Last Name: Field Names Card Brand ( ) Card Type ( ) The file received is not sorted in the order required by CUNA Mutual Group. The sort order should be i) Credit Union Identification Number ii) Bin Number iii) Account Number iv) Last Name v) Transaction Date & Time vi) Transaction Amount vii) Approval Code (Authorization Code) Please correct and resend the entire file. Confidential Page 6 version 1.3

7 File and/or Transaction Errors That Will Cause a File or Record to Be Rejected File Transmission & Transaction Error Reject Scenarios Auto- Response Scenario 1: Case where there are invalid transactions but no cleansed transactions 7 If any transaction under a loss (Account) failed one or more Data Validation rules, CUNA Mutual will reject all Transactions under that account even if some transactions Passed Data Validation. The Processor should resend all the Transactions under that account (Loss). The notification will list all invalid transactions. Note: Even though all transactions under that account are rejected only the invalid transactions under each account will be listed in the as follows. In addition to rejected transactions, CUNA Mutual would also send accepted transactions for which CUNA Mutual set the default values. The following transactions have failed the Data Validation rules and have not been processed by CUNA Mutual Group. Please correct and resend all the Transactions under that account. 1) Account Number/Last Name Fraud Type (value ) 2) Account Number/Last Name Card Brand ( ) Card Brand ( ), Card Type ( ) Thank you. CUNA Mutual Group. Scenario 2: Case where there are both invalid transactions and cleansed transactions The following transactions have failed the Data Validation rules and have not been processed by CUNA Mutual Group. Please correct and resend all the Transactions under that account. 1) Account Number/Last Name Fraud Type ( ) 2) Account Number/Last Name Card Brand ( ) Card Type ( ) The following transactions have failed the Data Validation rules. However, the invalid data has been set to default values in order to accept the transaction. Confidential Page 7 version 1.3

8 File and/or Transaction Errors That Will Cause a File or Record to Be Rejected File Transmission & Transaction Error Reject Scenarios Auto- Response 1) Account Number/Last Name AVS ( ) CVV2/CVC2/CID ( ), AVS ( ) 2) Account Number/Last Name POS Entry Mode ( ) CVV/CVC ( ) Thank you. CUNA Mutual Group. Scenario 3 : Case where there are no invalid transactions and but there are some cleansed transactions The following transactions have failed the Data Validation rules and have not been processed by CUNA Mutual Group. Please correct and resend all the Transactions under that account. The following transactions have failed the Data Validation rules. However, the invalid data has been set to default values in order to accept the transaction. 1) Account Number/Last Name AVS CVV2/CVC2/CID, AVS 2) Account Number/Last Name POS Entry Mode CVV/CVC Thank you. CUNA Mutual Group. Confidential Page 8 version 1.3

9 CLAIM AUTOMATION RECORD LAYOUT Card Processor (sender) to CUNA Mutual (receiver) Header Record Field Name Start End Length Format / Record Type Alphabetic H File Date and Numeric Time YYYYMMDDhhmmss H for header Data Validation Rules Date & Time File Created Less then equal to Current Date Example: Processor ID Alphanumeric Assigned by CUNA Mutual. Processor Name Alphanumeric, left justified, character space filled Filler Alphanumeric Used to identified transmission sender. Assigned by CUNA Mutual. If processor has multiple systems this field could be used to identity which system processed the fraud transaction Detail Records Fields noted as * (with an asterisk) may be optional. Please discuss with CUNA Mutual Group. Field Name Start End Length Format / Record Type Alphabetic D Record Numeric, right justified, zero Number filled Processor System Credit Union Identification Number Alphanumeric, left justified, character space filled D for Detail Data Validation Rules Number should be unique in the file Example: Name of the Processor s system. Allows the processor to tag what system the item processed making for faster issue resolution and tracking Numeric Assigned by CUNA Mutual. Primary sort field (see Requirements 7a) Matches the valid CUNA Mutual Customer Product Framework Organization Identifier (PFOID) on CMG s system. Example: CU Name Alphanumeric, left justified, character space filled. Credit Union Name BIN Number Numeric First 6 digits of Primary Account Number Secondary sort field (see Requirements 7b) ISO 8583 DE 2 Account Number Numeric Last 4 digits of Primary Account Number Third sort field (see Requirement 7c) ISO 8583 DE 2 Expiration Date Numeric Format: YYMM First Name Alphanumeric, left justified, character space filled Last Name Alphanumeric, left justified, character space filled * ISO 8583 DE 14 * * Cardholders first name Example: John<followed by 26 spaces> Cardholders last name Fourth sort field (see Requirements 7e) Example: Nelson<followed by 24 spaces> Confidential Page 9 version 1.3

10 Field Name Start End Length Format / Authorization Numeric : Date and Time YYYYMMDDhhmmss Date Authorization Amount Card Acceptor Country Code (If hhmmss if not available, zero fill) Numeric, right justified, zero filled Alphanumeric, left justified, character space filled : Time Data Validation Rules This field contains the month, day, year and time when the authorization took place at the card acceptor location. If authorization date is not available, use transaction date and time. (transaction date being defined as settlement date) Fifth sort field (see requirements 7e) Example: Less than equal to Current Date ISO 8583 DE 12, 13 This is the amount of the original transaction before any recovery (note: field 251 contains the net transaction amount that CUNA Mutual basis the claim). Sixth sort field (see Requirements 7f) Two decimal places are implied. Example: $ = Example: USA ISO 8583 DE 43 Card Type Numeric Valid Values: 1 = ATM 2 = Credit Card 3 = Debit Card 4 = Gift Card Card Brand & Card Type must all be same for a given card holder Card Brand Numeric Valid Values: 0 = Visa 1 = Master Card 2 = ATM 3 = Discover Card Brand & Card Type must all be same for a given cardholder Merchant Numeric Merchant Category Code Category Code Cardholder Discovery Date CU Discovery Date Numeric YYYYMMDD Numeric YYYYMMDD Approval Code Alphanumeric, left justified, character space filled ISO 8583 DE 18 Date the cardholder became aware (discovered) fraudulent activity. Less than equal to Current Date Example: Date the credit union (or processor) first received (notice) confirmation through , phone or otherwise of lost/stolen or unauthorized use of card that fraudulent activity occurred. Typically this is the date card was statused. Less then equal to Current Date Example: Authorization Code Seventh sort field (see Requirements 7g) ISO 8583 DE 38 Response Alphanumeric * Response Code Code ISO 8583 DE 39 Fraud Type Numeric Valid Values: 00 = Lost 01 = Stolen 02 = Card Not Received 03 = Application Fraud 04 = Counterfeit 05 = Account Takeover 06 = CNP MOTO 51 = MasterCard Bust out Card Blocked Alphabetic Valid Values: Confidential Page 10 version 1.3

11 Field Name Start End Length Format / POS Entry Mode POS Condition Code POS Cardholder Presence Data Validation Rules Y = Yes N = No Numeric Valid Values (ISO 8583 DE 22) : 00, 01, 02, 03, 04, 05, 07, 79, 80, 81, 90, 91, Alphanumeric Valid Values (VISA DE 25): 00, 02, 03, 05, 08, 51, 59, 71 Valid Value for MasterCard is Blank Alphanumeric Valid Value for VISA is Blank Valid Values for MasterCard (DE 61): 0, 1, 2, 3, 4, 5 CVV/CVC Alphanumeric Response Code: Visa valid values: Blank, 1, 2, 3 MasterCard valid values: 1, 2, 3, 4 ATM valid values: Blank, 1, 2 DISCOVER valid values: tbd CVV2/CVC2/C ID Alphanumeric Response Code: Valid Values are Blank, M, N, P, S, U AVS Alphanumeric Response Code Valid Values are Blank, X, Y, A, W, Z, N, U, R, E, S, D, M, B, P, C, I, G Electronic Commerce Indicator Alphanumeric VISA valid values: Blank, 1, 2, 3, 4, 5, 6, 7, 8, 9 MasterCard valid values: Blank, 1, 2 DISCOVER valid values: tbd CAVV/AAV Alphanumeric Result Code: VISA valid values Blank, 0, 1, 2, 3, 4, 6, 7, 8, 9, A, B, C, D MasterCard valid values: Blank, 0, 1, 2, 6 DISCOVER valid values: tbd Blank Compromised Event ID Alphanumeric Compromised Event Ref. ID. Found in Visa authorization message 62.22, byte 3 & 4. Valid Value for MasterCard & DISCOVER is Blank Bulletin Fee Numeric, right justified, zero filled. Reward Fee Numeric, right justified, zero filled. Net Transaction Loss Amount Numeric, right justified, zero filled. Two decimal places are implied. Example: $50.00 = If unknown, fill with Two decimal places are implied. Example: $50.00 = If unknown, fill with Example: $ = All claims are based on this value. This value is net of all recoveries Trailer Record Field Name Start End Length Format / Record Type Alphabetic T Record Count Numeric, right justified, zero filled T for trailer Data Validation Rules Total # of Detailed records Example: Total Amount Numeric, right justified, zero Total Amount in file based on Field 251. Confidential Page 11 version 1.3

12 Field Name Start End Length Format / Data Validation Rules filled Example: Filler Alphanumeric Confidential Page 12 version 1.3

13 Confidential Page 13 version 1.3

TECHNICAL SPECIFICATIONS GUIDE CANADA SAVINGS BONDS. csb.gc.ca PAYROLL SAVINGS PROGRAM 20$ 40$ 80$ 50 $ 30$ TECHGUIDE-14

TECHNICAL SPECIFICATIONS GUIDE CANADA SAVINGS BONDS. csb.gc.ca PAYROLL SAVINGS PROGRAM 20$ 40$ 80$ 50 $ 30$ TECHGUIDE-14 7 TECHNICAL SPECIFICATIONS GUIDE CANADA SAVINGS BONDS PAYROLL SAVINGS PROGRAM csb.gc.ca 40 5 30 0 20 80 70 0 What are you saving for? 50 40 20 0 80 4 20 7 7 TECHGUIDE-4 TECHNICAL SPECIFICATIONS GUIDE For

More information

Direct Payment Protocol Errors A Troubleshooter

Direct Payment Protocol Errors A Troubleshooter Direct Payment Protocol Errors A Troubleshooter December 2011 This manual and accompanying electronic media are proprietary products of Optimal Payments plc. They are to be used only by licensed users

More information

Your Single Source. for credit, debit and pre-paid services. Fraud Risk and Mitigation

Your Single Source. for credit, debit and pre-paid services. Fraud Risk and Mitigation Your Single Source for credit, debit and pre-paid services Fraud Risk and Mitigation Agenda Types of Fraud Fraud Identification Notifications Next Steps 11/8/2013 2 Types of Fraud Lost and Stolen Cards

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

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

Credit/Debit Card Processing Requirements and Best Practices. Adele Honeyman Oregon State Treasury Training Specialist

Credit/Debit Card Processing Requirements and Best Practices. Adele Honeyman Oregon State Treasury Training Specialist Credit/Debit Card Processing Requirements and Best Practices Adele Honeyman Oregon State Treasury Training Specialist 1 What? What do I need to know about excepting credit cards? Who s involved, how it

More information

Cash Management Balance Reporting Specifications Version 2. Technical Reference Manual

Cash Management Balance Reporting Specifications Version 2. Technical Reference Manual Cash Management Balance Reporting Specifications Version 2 Technical Reference Manual 10/2005 Printed in the United States of America Copyright 2005 by BAI, Chicago, Illinois All rights reserved. No part

More information

Payment Processor Errors A Troubleshooter

Payment Processor Errors A Troubleshooter Payment Processor Errors A Troubleshooter November 2005 Version 2.4 This manual and accompanying electronic media are proprietary products of Optimal Payments Inc. They are to be used only by licensed

More information

CyberSource Merchant Account Guide. March 2008

CyberSource Merchant Account Guide. March 2008 CyberSource Merchant Account Guide March 2008 CyberSource Contact Information Please visit our home page at http://www.cybersource.com. To contact CyberSource Support, call 1-866-203-0975 (Pacific Time),

More information

Steps for staying PCI DSS compliant Visa Account Information Security Guide October 2009

Steps for staying PCI DSS compliant Visa Account Information Security Guide October 2009 Steps for staying PCI DSS compliant Visa Account Information Security Guide October 2009 The guide describes how you can make sure your business does not store sensitive cardholder data Contents 1 Contents

More information

Web Services Credit Card Errors A Troubleshooter

Web Services Credit Card Errors A Troubleshooter Web Services Credit Card Errors A Troubleshooter March 2011 This manual and accompanying electronic media are proprietary products of Optimal Payments plc. They are to be used only by licensed users of

More information

Implementation Guide for. Direct Filing of. Telecommunications Returns

Implementation Guide for. Direct Filing of. Telecommunications Returns Illinois Department of Revenue Implementation Guide for Direct Filing of Telecommunications Returns July 2014 Overview We encourage all taxpayers to file electronically. Illinois business taxpayers can

More information

Remittance Transfer Rules Under Regulation E

Remittance Transfer Rules Under Regulation E Remittance Transfer Rules Under Regulation E This white paper is part of the Risk Management White Paper Series, which CUNA Mutual Group provides exclusively to its Bond policyholders. TABLE OF CONTENTS

More information

Fraud Protection, You and Your Bank

Fraud Protection, You and Your Bank Fraud Protection, You and Your Bank Maximize your chances to minimize your losses Presentation for Missouri GFOA April 2011 By: Terry Endres, VP, Government Treasury Solutions Phone: 314-466-6774 Terry.m.endres@baml.com

More information

Web Services Credit Card Errors A Troubleshooter

Web Services Credit Card Errors A Troubleshooter Web Services Credit Card Errors A Troubleshooter January 2012 This manual and accompanying electronic media are proprietary products of Optimal Payments plc. They are to be used only by licensed users

More information

Visa Debit ecommerce merchant acceptance. Frequently asked questions and flowchart

Visa Debit ecommerce merchant acceptance. Frequently asked questions and flowchart Visa Debit ecommerce merchant acceptance Frequently asked questions and flowchart Table Of Contents Visa Debit. The convenience of debit. The security of Visa. 3 The value of Visa Debit for ecommerce:

More information

Payment Card Industry Data Security Standard (PCI DSS) and Payment Application Data Security Standard (PA-DSS) Frequently Asked Questions

Payment Card Industry Data Security Standard (PCI DSS) and Payment Application Data Security Standard (PA-DSS) Frequently Asked Questions PCI/PA-DSS FAQs Payment Card Industry Data Security Standard (PCI DSS) and Payment Application Data Security Standard (PA-DSS) Frequently Asked Questions What is PCI DSS? The Payment Card Industry Data

More information

AIS Webinar. Payment Application Security. Hap Huynh Business Leader Visa Inc. 1 April 2009

AIS Webinar. Payment Application Security. Hap Huynh Business Leader Visa Inc. 1 April 2009 AIS Webinar Payment Application Security Hap Huynh Business Leader Visa Inc. 1 April 2009 1 Agenda Security Environment Payment Application Security Overview Questions and Comments Payment Application

More information

Visa global Compromised Account

Visa global Compromised Account Visa global Compromised Account RECOVERY PROGRAM WHAT EVERY MERCHANT SHOULD KNOW ABOUT GCAR WHAT EVERY MERCHANT SHOULD KNOW ABOUT GCAR WHAT The Visa Global Compromised Account Recovery (GCAR) program offers

More information

Finance & Ecommerce Systems

Finance & Ecommerce Systems Finance & Ecommerce Systems Prepared by: Colette Elson Issued: November 2013 November 2013 Page 1 Contents Page 1 Introduction 2 Responsibility 3 The PCI Data Security Standard 4 PCI DSS Requirements 5

More information

Handling Debit Card, ATM, & Point-of-Sale Fraud

Handling Debit Card, ATM, & Point-of-Sale Fraud Handling Debit Card, ATM, & Point-of-Sale Fraud First Things First You have noticed fraudulent transactions involving your Debit Card, ATM, or Point-of-Sale (POS). You should contact us immediately to

More information

Handling Debit Card, ATM, & Point-of-Sale Fraud

Handling Debit Card, ATM, & Point-of-Sale Fraud Handling Debit Card, ATM, & Point-of-Sale Fraud First Things First You have noticed fraudulent transactions involving your Debit Card, ATM, or Point-of-Sale (POS). You should contact us immediately to

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

CRM4M 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 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 information

Dartmouth College Merchant Credit Card Policy for Managers and Supervisors

Dartmouth College Merchant Credit Card Policy for Managers and Supervisors Dartmouth College Merchant Credit Card Policy for Managers and Supervisors Mission Statement Dartmouth College requires all departments that process, store or transmit credit card data remain in compliance

More information

Gateway Control Panel Quick Start Instructions

Gateway Control Panel Quick Start Instructions Gateway Control Panel Quick Start Instructions Contents: 1. Virtual Terminal Functions 2. Recurring Billing 3. Batch Upload 4. Options 5. Reports 6. QuickBooks 7. Integration 8. ispyfraud 9. Customer Vault

More information

Chargeback Reason Code List - U.S.

Chargeback 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 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

The need for a secure & trusted payment instrument in e-commerce. Ali AlMeshal

The need for a secure & trusted payment instrument in e-commerce. Ali AlMeshal The need for a secure & trusted payment instrument in e-commerce Ali AlMeshal In Physical/Real World Hand over card Visual check Swipe in POS Online authorization Receipt with signature panel Sign or Pin

More information

THE ABC S of CREDIT CARD TERMINOLGY

THE ABC S of CREDIT CARD TERMINOLGY THE ABC S of CREDIT CARD TERMINOLGY ACH Credit A transaction through the ACH network that results in money being placed in the receiver's account at the destination financial institution. Acquiring Bank

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

Online Payment Processing Definitions From Credit Research Foundation (http://www.crfonline.org/)

Online Payment Processing Definitions From Credit Research Foundation (http://www.crfonline.org/) Online Payment Processing Definitions From Credit Research Foundation (http://www.crfonline.org/) The following glossary represents definitions for commonly-used terms in online payment processing. Address

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

Merchant Account Service

Merchant 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 information

Sponsored by Sponsored By

Sponsored by Sponsored By CUNA Mutual Group Proprietary Reproduction, Adaptation or Distribution Prohibited CUNA Mutual Group Sponsored by Sponsored By Plastic Card Risk Exposures 2011 2 Disclaimer This presentation was created

More information

Credit Card Handling Security Standards

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

More information

Bar Tabs and Credit Cards: The Mixology for POS Developers

Bar Tabs and Credit Cards: The Mixology for POS Developers Bar Tabs and Credit Cards: The Mixology for POS Developers Point of sale (POS) systems used in bars and nightclubs have features to support running tabs for customers who order multiple rounds of drinks

More information

Getting Started. Quick Reference Guide for Payment Processing

Getting Started. Quick Reference Guide for Payment Processing Getting Started Quick Reference Guide for Payment Processing In today s competitive landscape, you have many choices when it comes to selecting your payments provider, and we appreciate your business.

More information

Avoiding Fraud. Learn to recognize the warning signs for fraud and follow these card acceptance guidelines to reduce your risk.

Avoiding Fraud. Learn to recognize the warning signs for fraud and follow these card acceptance guidelines to reduce your risk. Avoiding Fraud Learn to recognize the warning signs for fraud and follow these card acceptance guidelines to reduce your risk. Intoduction Fraud comes in many forms and hurts merchants of all sizes. Whether

More information

Web Services Credit Card Errors A Troubleshooter

Web Services Credit Card Errors A Troubleshooter Web Services Credit Card Errors A Troubleshooter January 2014 This manual and accompanying electronic media are proprietary products of Optimal Payments plc. They are to be used only by licensed users

More information

Dartmouth College Merchant Credit Card Policy for Processors

Dartmouth College Merchant Credit Card Policy for Processors Mission Statement Dartmouth College Merchant Credit Card Policy for Processors Dartmouth College requires all departments that process, store or transmit credit card data remain in compliance with the

More information

EASTERN OKLAHOMA STATE COLLEGE ACCEPTING AND HANDLING CREDIT AND DEBIT CARD PAYMENTS POLICIES AND PROCEDURES

EASTERN OKLAHOMA STATE COLLEGE ACCEPTING AND HANDLING CREDIT AND DEBIT CARD PAYMENTS POLICIES AND PROCEDURES EASTERN OKLAHOMA STATE COLLEGE ACCEPTING AND HANDLING CREDIT AND DEBIT CARD PAYMENTS POLICIES AND PROCEDURES This document describes Eastern Oklahoma State College s policy and procedures for the proper

More information

Virtual Terminal User s Guide

Virtual Terminal User s Guide Virtual Terminal User s Guide For Professional Use Only Currently only available in English. A usage Professional Uniquement Disponible en Anglais uniquement pour l instant. Last updated: June 2008 PayPal

More information

VIRTUAL TERMINAL (OVERVIEW)

VIRTUAL TERMINAL (OVERVIEW) Customization Required fields and adding/deleting fields. Step 1. Merchant can add or delete non-required fields by clicking the GEAR. Fields with red asterisks are required fields as set by the Affiliate.

More information

Ball State University Credit/Debit Card Handling Policy and Procedures

Ball State University Credit/Debit Card Handling Policy and Procedures Ball State University Credit/Debit Card Handling Policy and Procedures I. Background Ball State University accepts payments in various forms including cash, checks and electronic fund transfers. University

More information

1.1. Overview... 5 1.2. Direct credits... 6 1.3. Direct debits... 9 1.4. Nab direct credits... 12

1.1. Overview... 5 1.2. Direct credits... 6 1.3. Direct debits... 9 1.4. Nab direct credits... 12 1.1. Overview... 5 1.2. Direct credits... 6 1.3. Direct debits... 9 1.4. Nab direct credits... 12 2.1. Overview... 16 2.2. Credit card transaction... 17 2.3. Credit card response... 20 3.1. Overview...

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

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

Merchant Operating Guide

Merchant Operating Guide November 2010 Table of Contents Chapter 1: About Your Card Program... 1 About Transaction Processing... 2 General Operating Guidelines... 2 Additional Services... 4 Chapter 2: Processing Transactions...

More information

VISA PLATINUM AND VISA PLATINUM REWARDS CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM AND VISA PLATINUM REWARDS CONSUMER CREDIT CARD AGREEMENT VISA PLATINUM AND VISA PLATINUM REWARDS CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure.

More information

Response Code Details

Response Code Details Section 4 Transaction Response If the original transaction was approved, and a value was passed in the duplicate window field, the payment gateway response will also include the authorization code for

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

6. REPONSE CODE DEFINITION

6. REPONSE CODE DEFINITION 6. REPONSE CODE DEFINITION 6.1 ACTION KEY: Action Description Call Call your Chase Paymentech Customer Service for assistance Cust. Resend Voice Wait Try to resolve with customer or obtain alternate payment

More information

Identifying Security. Payment System. Federal Reserve Bank. Ellen Richey Chief Enterprise Risk Officer Visa Inc. Visa Public

Identifying Security. Payment System. Federal Reserve Bank. Ellen Richey Chief Enterprise Risk Officer Visa Inc. Visa Public Identifying Security Issues in the Retail Payment System Federal Reserve Bank Chicago Ellen Richey Chief Enterprise Risk Officer Visa Inc. June 5, 2008 Agenda 1. The Data Security Landscape 2. Recent Trends

More information

Bank and SecurePay Response Codes

Bank and SecurePay Response Codes Bank and SecurePay s Last updated: 19/07/2013 Bank s for Credit Card Transactions APPROVED 00 Approved 08 Honour with ID 11 Approved VIP (not used) 16 Approved, Update Track 3 (not used) 77 Approved (ANZ

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

EFT Overview Guide for Australia and New Zealand

EFT Overview Guide for Australia and New Zealand EFT Overview Guide for Australia and New Zealand 111109 2009 Blackbaud, Inc. This publication, or any part thereof, may not be reproduced or transmitted in any form or by any means, electronic, or mechanical,

More information

First Data Global Gateway Virtual Terminal User Manual. Version 1.0

First Data Global Gateway Virtual Terminal User Manual. Version 1.0 First Data Global Gateway Virtual Terminal User Manual Version 1.0 Table of Contents 1 Introduction 5 1.1 First Data Global Gateway Virtual Terminal Overview 5 1.1.1 Processing Transactions 5 1.1.2 Managing

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

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

Virtual Terminal User s Guide

Virtual Terminal User s Guide Virtual Terminal User s Guide For Professional Use Only Currently only available in English. A usage Professional Uniquement Disponible en Anglais uniquement pour l instant. Last updated: August 2009 PayPal

More information

Credit and Debit Card Handling Policy Updated October 1, 2014

Credit and Debit Card Handling Policy Updated October 1, 2014 Credit and Debit Card Handling Policy Updated October 1, 2014 City of Parkville 8880 Clark Ave. Parkville, MO 64152 Hours: 8:00-5:00 p.m. Monday -Friday Phone Number 816-741-7676 Email: cityhall@parkvillemo.gov

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

Hosted Credit Card Forms Implementation Guide

Hosted Credit Card Forms Implementation Guide Hosted Credit Card Forms Implementation Guide Merchant implementation instructions to integrate to the Setcom s hosted credit card forms. Covers: fraud screening, Verified by Visa, MasterCard SecureCode

More information

1. VERSIONSHISTORY...2 2. MERCHANT TRANSACTION RECONCILIATION FILE GENERAL...2 3. STRUCTURE FILE...3 4. DETAILED FILE DESCRIPTION...

1. VERSIONSHISTORY...2 2. MERCHANT TRANSACTION RECONCILIATION FILE GENERAL...2 3. STRUCTURE FILE...3 4. DETAILED FILE DESCRIPTION... MERCHANT TRANSACTION RECONCILIATION FILE FILE DESCRIPTION ACTUAL FROM APRIL 2014 VERSION 2.1 CONTENT 1. VERSIONSHISTORY...2 2. MERCHANT TRANSACTION RECONCILIATION FILE GENERAL...2 3. STRUCTURE FILE...3

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

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

BUSINESS CREDIT CARD ADDENDUM

BUSINESS CREDIT CARD ADDENDUM BUSINESS CREDIT CARD ADDENDUM This addendum is incorporated into and becomes part of your LOANLINER Business Credit Card Agreement. Please keep this attached to your LOANLINER Business Credit Card Agreement.

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

Questions and Answers PCI Compliance (Updated May 23, 2014)

Questions and Answers PCI Compliance (Updated May 23, 2014) Questions and Answers PCI Compliance (Updated ) The Alberta government is working toward PCI compliance, an industry standard created by the credit card industry to improve cardholder data security. The

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

Merchant Services Tool Kit TEXPO 2013

Merchant Services Tool Kit TEXPO 2013 Merchant Services Tool Kit TEXPO 2013 Surcharges Visa Information Website Site Preview and PDF s: www.visa.com/merchantsurcharging Materials Notification of Intent to Surcharge Merchants who choose to

More information

BUSINESS CREDIT CARD AGREEMENT

BUSINESS CREDIT CARD AGREEMENT BUSINESS CREDIT CARD AGREEMENT This Business Credit Card Agreement ("Agreement") includes this document, any letter, card carrier, card insert, addendums, any other document accompanying this Agreement,

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

Virginia Department of Taxation. Electronic Payment Guide

Virginia Department of Taxation. Electronic Payment Guide Virginia Department of Taxation Electronic Payment Guide Rev. 03/17/2015 Table of Contents Overview of Electronic Payment Options... 3 Electronic Payment Requirements... 3 Filing Requirements ACH Credit

More information

Refer to the Integration Guides for the Connect solution and the Web Service API for integration instructions and issues.

Refer to the Integration Guides for the Connect solution and the Web Service API for integration instructions and issues. Contents 1 Introduction 4 2 Processing Transactions 5 2.1 Transaction Terminology 5 2.2 Using Your Web Browser as a Virtual Point of Sale Machine 6 2.2.1 Processing Sale transactions 6 2.2.2 Selecting

More information

BUSINESS CREDIT CARD ADDENDUM

BUSINESS CREDIT CARD ADDENDUM BUSINESS CREDIT CARD ADDENDUM This addendum is incorporated into and becomes part of your LOANLINER Business Credit Card Agreement. Please keep this attached to your LOANLINER Business Credit Card Agreement.

More information

Frequently Asked Questions

Frequently Asked Questions PCI Compliance Frequently Asked Questions Table of Content GENERAL INFORMATION... 2 PAYMENT CARD INDUSTRY DATA SECURITY STANDARD (PCI DSS)...2 Are all merchants and service providers required to comply

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

Office of Finance and Treasury

Office of Finance and Treasury Office of Finance and Treasury How to Accept & Process Credit and Debit Card Transactions Procedure Related Policy Title Credit Card Processing Policy For University Merchant Locations Responsible Executive

More information

What To Do if Compromised. Visa USA Fraud Investigations and Incident Management Procedures

What To Do if Compromised. Visa USA Fraud Investigations and Incident Management Procedures What To Do if Compromised Visa USA Fraud Investigations and Incident Management Procedures Table of Contents Introduction......................................................... 1 Identifying and Detecting

More information

PAYMENT CARD INDUSTRY (PCI) SECURITY STANDARDS COUNCIL

PAYMENT CARD INDUSTRY (PCI) SECURITY STANDARDS COUNCIL PAYMENT CARD INDUSTRY (PCI) SECURITY STANDARDS COUNCIL Session 1 Payment Card Industry (PCI) Security Standards Slide 1 Top 3 Largest Security Incidents Reported Worldwide = CREDIT CARDS Related *Source:

More information

D a n s k e B a n k M e s s a g e I m p l e m e n t a t i o n G u i d e. M a s t e r C a r d C o r p o r a t e C a r d T r a n s a c t i o n s

D a n s k e B a n k M e s s a g e I m p l e m e n t a t i o n G u i d e. M a s t e r C a r d C o r p o r a t e C a r d T r a n s a c t i o n s D a n s k e B a n k M e s s a g e I m p l e m e n t a t i o n G u i d e M a s t e r C a r d C o r p o r a t e C a r d T r a n s a c t i o n s Page 1 10 Change log Version Date Change 2 14.10.2014 Unique

More information

Realex Payments Integration Guide - Ecommerce Remote Integration. Version: v1.1

Realex Payments Integration Guide - Ecommerce Remote Integration. Version: v1.1 Realex Payments Integration Guide - Ecommerce Remote Integration Version: v1.1 Document Information Document Name: Realex Payments Integration Guide Ecommerce Remote Integration Document Version: 1.1 Release

More information

PCI DSS FAQ. The twelve requirements of the PCI DSS are defined as follows:

PCI DSS FAQ. The twelve requirements of the PCI DSS are defined as follows: What is PCI DSS? PCI DSS is an acronym for Payment Card Industry Data Security Standards. PCI DSS is a global initiative intent on securing credit and banking transactions by merchants & service providers

More information

UNIVERSITY CONTROLLER S OFFICE

UNIVERSITY CONTROLLER S OFFICE UNIVERSITY CONTROLLER S OFFICE Payment Card Industry (PCI) Security Standards Training Guide (updated for 3.1 requirements) February 2016 Disclaimer: The information in this guide is current as of the

More information

Transaction Dispute Office

Transaction Dispute Office Transaction Dispute Office Help Guide SmartPay 2 Version 1.0 August 2008 Confidentiality Clause and Disclaimer This Guide contains information that is confidential and proprietary to JPMorgan Chase Bank,

More information

Yahoo! Merchant Solutions. Order Processing Guide

Yahoo! Merchant Solutions. Order Processing Guide Yahoo! Merchant Solutions Order Processing Guide Credit Card Processing How It Works The following charts provide an overview of how online credit card processing works. Credit Card processing for Yahoo!

More information

LANGLEY SELECT - VISA PLATINUM LANGLEY REWARDS VISA SIGNATURE LANGLEY CASH BACK VISA SIGNATURE CONSUMER CREDIT CARD AGREEMENT

LANGLEY SELECT - VISA PLATINUM LANGLEY REWARDS VISA SIGNATURE LANGLEY CASH BACK VISA SIGNATURE CONSUMER CREDIT CARD AGREEMENT LANGLEY SELECT - VISA PLATINUM LANGLEY REWARDS VISA SIGNATURE LANGLEY CASH BACK VISA SIGNATURE CONSUMER CREDIT CARD AGREEMENT Interest Rates and Interest Charges Variable Annual Percentage Rate (APR) Rates

More information

Eagle POS Procedure Guide For Epicor Bankcard Processing

Eagle POS Procedure Guide For Epicor Bankcard Processing Eagle POS Procedure Guide For Epicor Bankcard Processing Table of Contents Introduction... 3 1 Transactions using a Swiped Bankcard... 3 Basic Swiped Credit Card Sale & Return transaction... 3 Sales &

More information

Account Information Security. Merchant Guide

Account Information Security. Merchant Guide Account Information Security Merchant Guide At Visa, protecting our cardholders is at the core of everything we do. One of the many reasons people trust our brand is that we make buying and selling safer

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

Prepaid Debit Card FAQs (FAQs with an asterisk appear in the prepaid cardholder collateral piece.)

Prepaid Debit Card FAQs (FAQs with an asterisk appear in the prepaid cardholder collateral piece.) Prepaid Debit Card FAQs (FAQs with an asterisk appear in the prepaid cardholder collateral piece.) Has Bellco partnered with a prepaid debit card vendor? Yes. Bellco has partnered with The Members Group

More information

What is EMV? What is different?

What is EMV? What is different? U.S. consumers are receiving new debit and credit cards with embedded chip technology that better stores and protects cardholder information. These new chip cards are part of the new card standard, Europay,

More information

VISA PLATINUM/VISA PLATINUM REWARDS CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM/VISA PLATINUM REWARDS CONSUMER CREDIT CARD AGREEMENT VISA PLATINUM/VISA PLATINUM REWARDS CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The

More information

Batch Processing. Specification. Version 4.1. 110.0087 SIX Payment Services

Batch Processing. Specification. Version 4.1. 110.0087 SIX Payment Services Batch Processing Specification Version 4.1 110.0087 SIX Payment Services Contents 1 Introduction... 3 1.1 Requirements... 3 1.2 Security and PCI DSS... 3 1.3 Other Information... 4 1.4 Supported Payment

More information

PCI Training for Retail Jamboree Staff Volunteers. Securing Cardholder Data

PCI Training for Retail Jamboree Staff Volunteers. Securing Cardholder Data PCI Training for Retail Jamboree Staff Volunteers Securing Cardholder Data Securing Cardholder Data Introduction This PowerPoint presentation is designed to educate Retail Jamboree Staff volunteers on

More information

VISA BUSINESS CHECK CARD APPLICATION

VISA BUSINESS CHECK CARD APPLICATION Card Services VISA BUSINESS CHECK CARD APPLICATION BUSINESS INFORMATION (please type or print) Business Legal Business Address City, State Zip Federal Tax ID Primary Checking Account Business Phone Number

More information

Technical Specifications on Bankcard. Interoperability. (Version 2.1) Part I Transaction Processing

Technical Specifications on Bankcard. Interoperability. (Version 2.1) Part I Transaction Processing Technical Specifications on Bankcard Interoperability (Version 2.1) Part I Transaction Processing October 2011 THIS PAGE INTENTIONALLY LEFT BLANK. Table of Contents Using this Document... 1 1 Application

More information

Payment Card Industry Data Security Standard (PCI DSS) Q & A November 6, 2008

Payment Card Industry Data Security Standard (PCI DSS) Q & A November 6, 2008 Payment Card Industry Data Security Standard (PCI DSS) Q & A November 6, 2008 What is the PCI DSS? And what do the acronyms CISP, SDP, DSOP and DISC stand for? The PCI DSS is a set of comprehensive requirements

More information