FREQUENTLY ASKED QUESTIONS - CHARGEBACKS
|
|
- Bryan Green
- 8 years ago
- Views:
Transcription
1 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 by the Issuing Bank under the Card Scheme Rules. 2. What is the Chargeback process? Step 1 - Transaction is disputed. Cardholder advises their Issuer of a problem with the transaction or an Issuer discovers a breach of the Card Scheme Rules (ie: unauthorised Card Not Present Transaction) Step 2 - Issuer advises Westpac Westpac receives dispute advice on behalf of the Westpac Merchant from the Issuing Bank after it has determined a chargeback reason. Step 3 - Processing of the Dispute by Westpac Depending on the chargeback reason, Westpac may contact the merchant to request supporting documentation. Liability rests with the merchant to provide satisfactory evidence regarding the transaction.
2 A Merchant has 14 working days to respond to this request with the supporting documentation for consideration (unless Westpac s request specifies a shorter period). Presentation of documentation does not guarantee chargebacks will be avoided. 3 What are the most common Chargeback reasons? Some chargebacks enter arbitration, where Westpac rejects the Issuers dispute in favour of the merchant evidence, and further investigation is undertaken or Westpac and the Issuer call for mediation by the Card Schemes. If the outcome of such measures is in favour of the cardholder rather than the merchant, the Bank may debit a merchant s account for a period of up to one year from the date of the original transaction. 1. Unauthorised Mail Order / Telephone Order (MOTO) transactions 2. Requested transaction copy or supporting documentation not received 3. Duplicate processing 4. Invalid Account number 5. Transaction exceeds Floor limit 6. Sales voucher not imprinted with card 7. Alteration of amount 8. Merchandise not received by Purchaser
3 9. Posting direct debits 10. Failure to action requests from customers to cancel direct debit authorities 4. What is meant by the term full card details? 5. I obtained full authorisation at the time of doing the transaction, why did I get a chargeback? 6. If I include the full card details, am I protected from chargebacks once the transaction has been approved? The full card details include the card number, card expiry date, card CCV number (for card not present transactions) and transaction amount Authorisation only confirms that funds were available at the time of the call, and that the card was not reported lost or stolen. It does not guarantee payment. Not necessarily. Authorisation only confirms that the Cardholder has sufficient funds to cover the purchase, and that the card has not been reported lost or stolen at the time of purchase. Chargeback can still arise for various reasons, such as; if the transaction is invalid, or the cardholder indicates the goods were not delivered as described. Common Chargeback Reasons appear in Question #3.
4 7. I have a business where I accept cards You should always: at the point of sale. How can I protect myself against Card fraud and chargebacks? Check to ensure that the name on the card matches the customer profile. For example, if the customer is a man and the name on the card is Linda Smith you will need to obtain another form of payment Check that the embossed number on the face of the card matches the number printed in reverse italics on the signature panel Check the hologram. Authentic cards have very clear 3 dimensional holograms Check the validity dates to ensure that the card has not expired Check the signature on the card and ensure that it matches the signature on the sales slip Be alert to customers who : - Make indiscriminate purchases - Try to rush you at closing time - Make purchases, leave the store and return to make more purchases - Try to pay using multiple Cards - Do not have proper identification, and - Refer to the Card signature when signing If in doubt call Westpac s Merchant Business Solutions Help Desk on How can I guarantee I ll never receive a chargeback? Unfortunately, chargebacks are part of credit card processing and cannot be avoided completely, but you can ensure your card acceptance procedures assist to minimise the risks, as outlined in this document. In a card present environment, ensure you check the card against the person and signature. Pay close attention to transactions that seem suspicious in a Card not present environment since you cannot be sure of the identity of your customer.
5 MasterCard and Visa have introduced a fraud deterrent tool called 3D Secure (the MasterCard brand is called MasterCard SecureCode and the Visa brand is called Verified by Visa). This tool will further assist in protecting your business against counterfeit card fraud. (Refer to Your Guide to 3D Secure ) Both the MasterCard and Visa fraud deterrent tool requires the merchant to be registered and tested prior to implementation. As part of the verification process, the Cardholder must enter a password when making purchases over the internet, similar to entering a PIN in an EFTPoS terminal. Questions specific to Card Not Present Transactions 1. What is a CCV Number? CCV Number stands for Card Check Value Number. It is a 3-digit number printed on the reverse of MasterCard cards and Visa cards issued by Australian Card Issuers participating in the CCV program. It is the last 3 digits after the Card number which is printed in reverse italics on the signature panel of the card. 2. What does a CCV Number do? When used during a transaction, the Issuing bank can further confirm that the person making the transaction is in possession of the card and not just quoting a card number that could have been obtained fraudulently. 3. What benefits will I receive as a Merchant who requests a CCV Number from my customers? It is a fraud deterrent tool used mainly in the card not present payment areas (Internet and MOTO). For Issuers who are participating in CCV, it allows them to perform an additional measure of validation but does not authenticate or identify the user of the card as the rightful owner.
6 NOTE: There is no guarantee against a chargeback when a merchant processes credit card transactions which include the CCV Number. The Issuing Bank may consider the presentation of the CCV in the sale/purchase transaction message as further evidence of the legitimacy of the transaction, but will not guarantee the sale against chargebacks based on the presence of CCV. Merchants should always perform their normal due diligence measures when using CCV Numbers. 4. How can I accept CCV Numbers from my customers? During the payment process, your customer will need to supply you with: 1. the account number on the front of the card, and 2. the expiry date, and 3. the last three digits of the number printed in the signature panel The CCV number forms part of the message that goes to the Card Issuer. Participating Card Issuers then validate the CCV number 5. Are there any other names for the Visa refers to the Number as a CCV2; MasterCard, a CVC2; and American Express uses 4DBC CCV? 6. Is the CCV accepted everywhere? MasterCard and Visa have both mandated that Australian Issuing Banks verify this Number when presented in the payment message, however verification of the Number does not guarantee the cardholder or the Issuer will not dispute the transaction. Overseas, MasterCard Issuers must be able to receive the CCV. If they elect not to participate in the CCV program, they do not need to respond with evidence that they have validated the CCV Number.
7 7. Since I have return clientele in my business am I allowed to store the CCV number for future use? No. The Schemes do not permit merchants to store this level of detail on your system under any circumstances. 8. I use an online payment gateway and You should always; won t be able to use the card present advice. What can I do to be on the Obtain full card details, including CCV lookout for possible chargeback situations? If in doubt, call the customer to confirm the order, or use their delivery address to search the White pages for a match Install software that performs velocity checks Use dynamic fraud detection software (where suitable) Establish business rules that limit the number of payments and value of transactions allowed through your gateway software each day by the same customer Be suspicious of customers who want to pay with multiple cards Do not accept payment from a potential customer that asks you to supply them with goods from Australia that are different to the goods or services you provide. Contact the bank with details of this type of Activity. Use 3D Secure for online identification of your customers and a possible reduction in chargeback liability (in specific chargeback instances) Pre-Authorisation Questions 1. What is a pre-authorisation? A pre-authorisation is a transaction that: Checks to ensure that the card does not have a lost or stolen status placed on it at the time of auth Checks that the card is still valid;
8 Checks that the cardholder has the funds available; Reserves the funds for a period of time assigned by the Cardholders Issuing Bank In Australia, pre-authorisation usually reserves the funds for a period of 3 to 5 business days. Overseas Banks can reserve the funds up to 12 business days. Once a preauthorisation expires, the funds become available to the Cardholder. 2. Are there any conditions to using preauthorisations? No. There are currently no conditions on pre-authorisation use. However, if you are using a terminal you must use the right transaction type, and if you are using Internet based software, your software must be programmed to send a pre-auth transaction (and not a purchase transaction). If you use a pre-auth transaction to reserve the funds, you must use the pre-auth reference number when you process the actual sales / purchase transaction. Failure to do so will cause two debit transactions to appear for a period of time until the pre-authorisation drops off and may cause the complaints from the cardholder. If you intend to use pre-authorisations, you must also inform your customers that their funds will be unavailable for a period of approximately 5 working days. 3. Can Westpac remove or extend any pre-authorisation period set by the Issuing Bank? No, The period is fixed for the duration of a pre-authorisation transaction, and is governed by the Card Issuer. The number of days is fixed for all merchants.
9 4. If I don t complete a sale transaction on a pre-authorisation I ve made within the Issuers timeline, what happens to the original preauthorisation? The pre-authorisation will expire after the pre-authorisation period set by the Issuer has elapsed. 5. I use an online payment gateway and won t be able to use the card present advice. What can I do to be on the lookout for possible chargeback situations? This is a repeat of Q8 above in the Card not present sectionyou should always; Obtain full card details, including CCV If in doubt, call the customer to confirm the order, or use their delivery address to search the White pages for a match Install software that performs velocity checks Use dynamic fraud detection software (where suitable) Establish business rules that limit the number of payments and value of transactions allowed through your gateway software each day by the same customer Be suspicious of customers who want to pay with multiple cards Do not accept payment from a potential customer that asks you to supply them with goods from Australia that are different to the goods or services you provide. Contact the bank with details of this type of Activity. Use 3D Secure for online identification of your customers and a possible reduction in chargeback liability (in specific chargeback instances)
Merchant 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 informationBWA Merchant Services. Credit Card Fraud Protection User Guide
1 BWA Merchant Services Credit Card Fraud Protection User Guide 2 Contents: 1. How to reduce the risk of card present fraud... 3 2. How to reduce the risk of card not present fraud... 5 3. Delivering the
More informationHow To Spot & Prevent Fraudulent Credit Card Activity
Datalink Bankcard Services How To Spot & Prevent Fraudulent Credit Card Activity White Paper 2013 According to statistics from the U.S. Department of Justice and the Consumer Sentinel Network, credit card
More informationFraud Minimisation Guide ANZ Merchant Business Solutions
Fraud Minimisation Guide ANZ Merchant Business Solutions INTRODUCTION Fraud can occur in and is a risk for any business that accepts credit cards and it can have a significant financial impact on your
More informationRighting 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 informationAvoiding 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 informationMerchant Operating Guide.
Merchant Operating Guide. Card acceptance by business MERCHANT BUSINESS SOLUTIONS Postal Address Merchant Business Solutions GPO Box 18 Sydney NSW 2001 Westpac Merchant Business Solutions Help Desk: Sales
More informationYOUR GUIDE TO SAFER, SMARTER CREDIT CARD PAYMENTS. What you need to know about chargebacks and fraud on mail, telephone, IVR and Internet orders
YOUR GUIDE TO SAFER, SMARTER CREDIT CARD PAYMENTS What you need to know about chargebacks and fraud on mail, telephone, IVR and Internet orders Contents HELPING YOU PROTECT YOUR BUSINESS AND YOUR PROFITS
More informationCREDIT CARD FRAUD PROTECTION. how to protect your business and your customers
CREDIT CARD FRAUD PROTECTION how to protect your business and your customers INTRODUCTION It is an unfortunate fact that many businesses will encounter a customer who presents a credit card or a credit
More informationIntegrated EFTPOS User Guide
business Integrated EFTPOS User Guide www.bendigobank.com.au Table of contents Keypad layout....3 Debit card purchase...4 Credit and charge card purchase...5 Processing a tip (restaurants only)...6 Pre-authorisation
More informationMerchant Operating Guide
PB 1 Merchant Operating Guide ANZ FastPay MOBILE PAYMENT SOLUTION Contents 1. Welcome 4 1.1 Merchant Agreement 4 1.2 Contact Details 4 1.3 How to get started 4 1.4 Authorisation 4 1.4.1 Authorisation Declined
More informationFraud Minimisation, Data Security and Chargeback Guide SECURING YOUR BUSINESS
Fraud Minimisation, Data Security and Chargeback Guide SECURING YOUR BUSINESS Fraud Minimisation and Chargeback Guide Fraud is a problem for many merchants and can have a substantial financial impact
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 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 informationMerchant Best Practices & Guidelines
National Bank of Abu Dhabi Merchant Best Practices & Guidelines Merchant Advice Version 1.0 January 24, 2016 Table of Content 1. Guidelines to reduce Merchant Risks... 3 1.1 Card Present Transactions...
More informationNAB EFTPOS User Guide. for Countertop & Mobile Terminals
NAB EFTPOS User Guide for Countertop & Mobile Terminals About your NAB EFTPOS Terminal NAB EFTPOS Mobile NAB EFTPOS Countertoptop Table of Contents Getting to know your NAB EFTPOS VeriFone terminal...5
More informationCredit/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 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 informationMerchant Operating Guide
Merchant Trading Name: Merchant Identification Number: Terminal Identification Number: PB 1 Merchant Operating Guide ANZ POS PLUS INTEGRATED EFTPOS SOLUTIONS Contents 1. Welcome 4 1.1 Merchant Agreement
More informationEFTPOS Merchant Facilities Quick Reference Guide
EFTPOS Merchant Facilities Quick Reference Guide How to Use this Guide This handy Quick Reference Guide has been designed to give you step-by-step, easy-to-follow instructions on how to correctly use your
More informationPROTECT YOUR BUSINESS FROM LOSSES WHILE ACCEPTING CREDIT CARDS
PROTECT YOUR BUSINESS FROM LOSSES WHILE ACCEPTING CREDIT CARDS TABLE OF CONTENTS Introduction...1 Preventing Fraud in a Card-Present Environment...2 How to Reduce Chargebacks in a Card-Present Environment...4
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 informationEFTPOS Merchant Facilities Quick Reference Guide (VX520/VX680)
EFTPOS Merchant Facilities Quick Reference Guide (VX520/VX680) How to Use this Guide This handy Quick Reference Guide has been designed to give you step-by-step, easy-to-follow instructions on how to correctly
More informationEFTPOS Merchant Facilities Quick Reference Guide (T4220/M4230)
EFTPOS Merchant Facilities Quick Reference Guide (T4220/M4230) How to Use this Guide This handy Quick Reference Guide has been designed to give you step-by-step, easy-to-follow instructions on how to correctly
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 informationcredit card Conditions of Use
VISA credit card Conditions of Use EFFECTIVE FROM 20 MARCH 2013 a refreshing attitude to banking QUEENSLAND COUNTRY CREDIT UNION VISA CREDIT CARD 1 Contents 1. Introduction 3 2. Additional Cards 3 3. Application
More informationImportant information about your credit card account (Account)
Important information about your credit card account (Account) This notice is provided with your March 2013 statement of Account and details important information on the following aspects of your Account:
More informationImportant information about your credit card account (Account)
Important information about your credit card account (Account) This notice is provided with your March 2012 statement of Account and details important information on the following aspects of your Account:
More informationANZ Merchant Business Solutions MERCHANT OPERATING GUIDE
ANZ Merchant Business Solutions MERCHANT OPERATING GUIDE Contents Getting Started Welcome to ANZ 2 How to Contact Us 2 Your Key Responsibilities 3 Which Cards Should you Accept? 4 Security Checks to Validate
More informationContents Section 1: Quick Reference Guide 5
Merchant Agreement Contents Section 1: Quick Reference Guide 5 1. Introduction 6 2. Processing transactions 6 What is an authorisation? 7 Authorisation is not a guarantee of payment 7 Cardholder identification
More informationCard and Account Security. Important information about your card and account.
Card and Account Security. Important information about your card and account. 2 Card and Account Security 1. Peace of mind As a Bendigo Bank customer you can bank with confidence knowing that, if you take
More informationRetrieval & Chargeback Best Practices
Retrieval & Chargeback Best Practices A Merchant User s Guide to Help Manage Disputes Version Three November, 2010 www.firstdata.com THIS PAGE INTENTIONALLY LEFT BLANK. Developed by: First Data Payment
More informationContents Section 1: Quick Reference Guide 5. Section 2: Merchant Agreement General Terms and Conditions 23
Merchant Agreement Contents Section 1: Quick Reference Guide 5 1. Introduction 6 2. Processing transactions 6 What is an authorisation? 7 Authorisation is not a guarantee of payment 7 Cardholder identification
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 informationRecurring Transactions Enquiry Service. Merchant Implementation Guide
Recurring Transactions Enquiry Service Merchant Implementation Guide April 2013 Contents Section Page Introduction 1 Benefits Of Using The Recurring Transactions Enquiry Service 1 Requirements Of Using
More informationBankwest. Account Access. Conditions of Use 19 May 2015. making banking easier
Bankwest Account Access Conditions of Use 19 May 2015 making banking easier Product Disclosure Statement If you are opening a Bankwest-branded Investment and Transaction Account with us, or are applying
More informationClark 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 informationChargebacks & Retrievals. Expand Your Knowledge
Chargebacks & Retrievals Expand Your Knowledge Agenda The Philosophy Dispute Process Overview and Timeline Retrieval Request Overview and Recent Changes/Trends Chargeback Overview and Recent Changes/Trends
More informationGetting 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 informationA complete guide to your EFTPOS Terminal.
A complete guide to your EFTPOS Terminal. EFTPOS Terminal User Guide. Phone Numbers Westpac Merchant Business Solutions Help Desk Service, Sales and Support Terminal Difficulties Stationery Orders Manual
More informationMerchant 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 informationGeneral Industry terms
General Industry terms Address Verification: A service provided through which the merchant verifies the Cardholder s address. Primarily used by Mail/Telephone order merchants. Not a guarantee that a transaction
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 informationMerchant Operating Guide.
Merchant Operating Guide. Training & Reference Material for ASB Merchants. asb.co.nz ASB Bank Limited 56100 1334 0514 Contents Welcome 01 Welcome 2 02 Key contact details 3 03 Understanding Merchant Services
More informationBanking & Finance Policies and Procedures Manual (Extract)
Banking & Finance Policies and Procedures Manual (Extract) This extract comprises the sections of the Policies and Procedures Manual developed by the Banking & Financial Services Ombudsman which deal with:
More informationPayment 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 information7-Eleven Prepaid Visa Card
7-Eleven Prepaid Visa Card TERMS AND CONDITIONS 03.2013 Terms & Conditions of the Card Australia and New Zealand Banking Group Limited ABN 11 005 357 522 ( ANZ ), AFSL 234527 is the issuer of this 7-Eleven
More informationVerifone User Guide. VX 820 VX 680.
Verifone User Guide. VX 820 VX 680. Table of contents. Terminal layout 3 Purchase transactions 4 Purchase transactions Restaurants only. 5 Pre-authorisation 7 Processing a void transaction 8 Processing
More informationNew Account Reference Guide
New Account Reference Guide Welcome to BBVA Compass Merchant Services Thank you for choosing BBVA Compass as your Merchant Services provider. BBVA Compass is dedicated to providing your business with the
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 informationBank 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 informationBANK OF BARODA (NEW ZEALAND) LIMITED (BOBNZ) VISA CLASSIC DEBIT CARD. User Guide
BANK OF BARODA (NEW ZEALAND) LIMITED (BOBNZ) VISA CLASSIC DEBIT CARD User Guide Table of Contents Page No Welcome 2 Know your Visa Classic Debit Card 3 Important Information 4 Keeping your Visa Card safe
More informationElavon Payment Gateway Integration Guide- Remote
Elavon Payment Gateway Integration Guide- Remote 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 Elavon Payment Gateway Remote
More informationAcceptance to Minimize Fraud
Best Practices for Credit Card Acceptance to Minimize Fraud By implementing best practices in credit card processing, you decrease the likelihood of fraudulent transactions and chargebacks. In general,
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 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 informationWestpac Debit MasterCard. Terms and Conditions for Personal Customers
Westpac Debit MasterCard Terms and Conditions for Personal Customers Effective as at 3 February 2015 Your Bank The advisory services and the banking products you ll find in this booklet are provided to
More informationBNZ Business First Visa Card
BUSINESS FIRST VISA CARD Helpful information about BNZ Business First Visa Card Putting your Business First BNZ Business First Visa card is the smart way to manage your day to day business expenses. It
More informationHSBC Visa Debit Card. Making the most of your card. HSBC Customer Service Centre. Go to hsbc.com.au/debit
HSBC Customer Service Centre Go to hsbc.com.au/debit Call 1300 308 008 from Australia +61 2 9005 8131 from Overseas 24 hours a day, 7 days a week ^Visa Zero Liability subject to investigation of unauthorised
More informationHow To Use Anz Credit Card
ANZ Credit Cards CONDITIONS OF USE 25.05.2015 CONSUMER CREDIT CARDS Containing terms and conditions for: ANZ Consumer Credit Cards ANZ Internet Banking ANZ Phone Banking ANZ Mobile Banking BPAY ANZ Contacts
More informationANZ MERCHANT AGREEMENT
ANZ MERCHANT AGREEMENT TERMS AND CONDITIONS FEBRUARY 2016 CONTENTS 1. These Terms and Conditions 2 2. Provision of Merchant Facilities 2 3. Nominated Cards 3 4. Accepting Nominated Cards and Permitted
More informationTi ps. Merchant. for Credit Card Transactions. Processing Tips CARD ONE INTERNATIONAL INC
Merchant Processing Tips Ti ps for Credit Card Transactions CARD ONE INTERNATIONAL INC Card One International Inc - Merchant Processing Tips for Card Transactions Page 1 of 11 Merchant Processing Tips
More informationHow to Help Prevent Fraud
TD Canada Trust How to Help Prevent Fraud Merchant Services tips to help protect your business Fraud Awareness All credit cards issued in Canada are designed with special security features to help deter
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 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 informationMerchant Operating Guide Using your merchant credit card facility
Merchant Operating Guide Using your merchant credit card facility Quick guide Your quick guide to authorisation by phone Dial 0800 273 727 or 0-9-355 1900 2 # 8 Enter PIN # Press 2 for credit card authorisation.
More informationDown time processing
Down time processing How can I manually process credit card transactions? 1 2 Firstly check that the card has not expired Place the customer s card into the slot of the manual imprinter 3 Place the Sales
More informationMerchant Services. How to help protect your business
Please immediately report any suspicious activity involving credit card or debit card use to TD Merchant Services at 1-800-6-116 For more information, visit www.tdmerchantservices.com Merchant Services
More informationMobile PayWay. User guide
Mobile PayWay User guide The following help desks and authorisation centres are available to you 24 hours a day, 7 days a week. St.George Electronic Banking Service Centre Service and Sales Support Help
More informationA multi-layered approach to payment card security.
A multi-layered approach to payment card security. CARD-NOT-PRESENT 1 A recent research study revealed that Visa cards are the most widely used payment method at Canadian websites, on the phone, or through
More informationANZ EFTPOS card and ANZ Visa Debit card
ANZ EFTPOS card and ANZ Visa Debit card Conditions of Use Where to find things in this document What you need to know about these Conditions of Use...1 How to contact us...1 A glossary of the terms we
More informationMerchant Agreement How to use your merchant facility
Merchant Agreement How to use your merchant facility Dated June 2014 Terms and conditions These products are issued by the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 Contents Page Topic
More informationCredit Card Processing Glossary
Address Verification: A service provided through which the merchant verifies the Cardholder s address. Primarily used by Mail/Telephone order merchants. Not a guarantee that a transaction is valid. Agreement:
More informationCredit Card Conditions of Use. Credit Guide.
Credit Card Conditions of Use Credit Guide. Effective Date: September 2015 This document contains the terms and conditions that apply to St.George Bank Business Visa Debit Card cardholders and to all transactions
More informationVISA Credit Card Conditions of Use
Big Sky Visa Credit Card Conditions of Use These Conditions of Use are effective from 1 June 2015 except as otherwise advised in writing and replace all VISA Credit Card Conditions of Use previously issued.
More informationActorcard Prepaid Visa Card Terms & Conditions
Actorcard Prepaid Visa Card Terms & Conditions These Terms & Conditions apply to your Actorcard prepaid Visa debit card. Please read them carefully. In these Terms & Conditions: "Account" means the prepaid
More informationT s And C s. Credit card. It s Ours. Effective 28 May 2015
T s And C s. Credit card terms Effective April and 2012 conditions Effective 28 May 2015 It s Ours. 1 What s Inside Here. Kiwibank Credit Card Terms and Conditions 2 1. Responsibility for your use and
More informationMerchant Facility. Terms and Conditions
Merchant Facility Terms and Conditions This document must be read in conjunction with the Merchant Facility Application, Merchant Operating Guide and Business Banking Guide to Fees and Charges. Together
More informationANZ Credit Cards CONDITIONS OF USE 20.07.2015 CONSUMER CREDIT CARDS
ANZ Credit Cards CONDITIONS OF USE 20.07.2015 CONSUMER CREDIT CARDS Containing terms and conditions for: ANZ Consumer Credit Cards ANZ Internet Banking ANZ Phone Banking ANZ Mobile Banking BPAY ANZ Contacts
More informationVisa 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 informationMobile PayWay User guide
Mobile PayWay User guide Phone numbers Westpac Merchant Business Solutions Help Desk Service, Sales and Support Card reader difficulties Westpac Key Auth Service Cardholder Behaving Suspiciously Note:
More informationCONDITIONS OF USE. for GREATER BUSINESS VISA CREDIT CARDS
Head Office: 103 Tudor Street, Hamilton NSW 2303 PO Box 173, Hamilton NSW 2303 Phone: 1300 651 400 Fax: (02) 4921 9112 Web: www.greater.com.au Email: webenquiry@greater.com.au ABN 88 087 651 956 Australian
More informationKiwibank Merchant Agreement
Kiwibank Merchant Agreement Effective June 2013 a What s Inside Here. 1. Interpretation 1 2. Merchant Services 7 3. Approval To Use Merchant Services 8 4. Your Obligations 9 5. Accepting Nominated Card
More informationFor Card Not Present (CNP) Merchants. Card Acceptance Operating Guide
For Card Not Present (CNP) Merchants Card Acceptance Operating Guide Card Acceptance Operating Guide For Card Not Present (CNP) Merchants With EMS, mail, telephone and Internet card acceptance is a simple
More informationEFTPOS 1i Terminal User Guide. Learn how to use your new terminal with this easy-to-follow guide.
EFTPOS 1i Terminal User Guide Learn how to use your new terminal with this easy-to-follow guide. Get in touch Merchant Help Desk Service, Sales and Support Terminal Difficulties Stationery Orders 1300
More informationYour Guide. to doing business with American Express
Your Guide to doing business with American Express Contact Information Internet General Information Point-of-Purchase Materials Online Merchant Services Marketing Opportunities americanexpress.co.uk/ondisplay
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 informationAgcess Visa Card Terms and Conditions
You should read carefully these Terms and Conditions and the Finance Conditions for the relevant Linked Facility and retain them for future reference. Copies of each of the documents can be made available
More informationCard Not Present Fraud Webinar Transcript
Card Not Present Fraud Webinar Transcript All right let s go ahead and get things started, and to do that, I d like to turn it over to Fae Ghormley. Fae? Thank you for giving us this opportunity to share
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 information2 Scroll button 8 Power button
PAX User Guide. 1 Table of contents. Keypad layout 3 Debit card purchase 4 Credit and charge card purchase 5 Processing a purchase when tipping is enabled 6 Processing a purchase with cash out when tipping
More informationCONDITIONS OF USE for GREATER CREDIT CARDS
Head Office: 103 Tudor Street, Hamilton NSW 2303 PO Box 173, Hamilton NSW 2303 Phone: 1300 651 400 Fax: (02) 4921 9112 Web: www.greater.com.au Email: webenquiry@greater.com.au ABN 88 087 651 956 Australian
More informationCredit Card Conditions of Use. Credit Guide.
Credit Card Conditions of Use. Credit Guide. Effective Date: 20 May 2016 This document does not contain all the terms of this agreement or all of the information we are required by law to give you before
More informationEMV FAQs. Contact us at: CS@VancoPayments.com. Visit us online: VancoPayments.com
EMV FAQs Contact us at: CS@VancoPayments.com Visit us online: VancoPayments.com What are the benefits of EMV cards to merchants and consumers? What is EMV? The acronym EMV stands for an organization formed
More informationUse of Business Cards Procedure
Use of Business Cards Procedure Related Policy General Purchasing Policy Responsible Officer Senior Manager Financial Operations Approved by Chief Financial Officer Approved and commenced December, 2014
More informationPC-EFTPOS i3070 Merchant Operating Guide
PC-EFTPOS i3070 Merchant Operating Guide Phone Numbers THE FOLLOWING HELP DESKS AND AUTHORISATION CENTRES ARE AVAILABLE TO YOU 24 HOURS A DAY, 7 DAYS A WEEK. Bank of Melbourne Electronic Banking Service
More informationProcedure guide. For a smoother operation
Procedure guide For a smoother operation Welcome This procedure guide forms part of your Agreement with Barclaycard and replaces all previous editions of the procedure guide with immediate effect. These
More informationWOOLWORTHS MONEY CREDIT CARDS CONDITIONS OF USE EFFECTIVE 26 OCTOBER 2014
WOOLWORTHS MONEY CREDIT CARDS CONDITIONS OF USE EFFECTIVE 26 OCTOBER 2014 Important note This booklet does not contain all the pre-contractual information we are required by law to give you before the
More informationVisa Credit Card Terms and Conditions. Effective 1 March 2015
Visa Credit Card Terms and Conditions Effective 1 March 2015 Important information The credit limit and all cards are offered to you on the terms set out in this Visa Credit Card Credit Contract, which
More informationNAB Credit Cards Terms and Conditions including General explanatory information Information statement effective 01.02.2015
NAB Credit Cards Terms and Conditions including General explanatory information Information statement effective 01.02.2015 Lost/stolen card reporting In Australia Call toll free, 24 hours per day 1800
More information