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CardCo2305
<br />A TRUE COPY
<br />CERTIFICATION ON LAST PAGE
<br />J.R. SMITH, CLERK
<br />PART 1: -. SERVICES
<br />If you accept orders via the Internet, your website must include the following
<br />A. YOUR PAYMENTS ACCEPTANCE GUIDE
<br />information in a prominent manner.
<br />Payment acceptance solutions are an essential part of your business, and we want
<br />. a complete description of the goods or services offered,
<br />to make accepting payments as simple as possible for you
<br />. details of your (i) delivery policy: (ii) consumer data privacy policy; (iii) cancellation
<br />This part of the Program Guide (through Appendix 5), is the Your Payments
<br />policy, and (iv) returns policy,
<br />Acceptance Guide It's your quick reference to some guidelines for initiating
<br />• the transaction currency (US dollars, unless permission is otherwise received from
<br />transactions and accepting payments You'll also find recommendations and tips to
<br />Servicers);
<br />help you prevent fraud, reduce chargebacks, and properly handle payments,
<br />• the customer service contact, including email address and telephone number,
<br />refunds, exchanges, and most other situations you'll encounter in your day -to day-
<br />• your address, including country,
<br />business To help you navigate more easily and find the information you need when
<br />• the transaction security used on your website,
<br />you need it, we've organized this Section into three parts At the end of the Section,
<br />• any applicable export or legal restrictions;
<br />you'll also find information specific to processing
<br />• your identity at all points of interaction with the cardholder, and
<br />WEX®. USBank®, VoyagerG, American Express®, Discover6 and PayPal® cards
<br />• the date on which any free trial period ends.
<br />payments Keep in mind. though. these guidelines highlight only some of the Card
<br />If you limit refund/exchange terms or impose other specific conditions for card sales.
<br />Organization Rules that apply to your acceptance of payments Please carefully
<br />you must clearly print (in 1/4" letters) the words -No Exchange, No Refund," etc on
<br />read the Card Organization Rules for each Card brand you accept
<br />the sales draft
<br />If you have questions about initiating transactions, accepting payments or any of
<br />During a liquidation or closure of any of your outlets, locations or businesses, you
<br />your other business services. please contact Customer Service at the number listed
<br />must post signs clearly visible to customers stating that "All Sales Are Final," and
<br />on your merchant services statement Your Customer Service team is here to make
<br />stamp the sales draft with a notice that "All Sales Are Final '
<br />things easier so let us know what we can do to help
<br />Validating3.
<br />American Express www.americanexpress. comlus
<br />/merchant
<br />Transactions where the cardholder is present -'Card Present' transactions
<br />Discover Financial Services www.discovernetwork.comlmerchants
<br />You must check the card if the cardholder is present at the point of sale,
<br />Mastercard Worldwide www.mastercard.us/contenVdam
<br />• verify that the card is legitimate and valid,
<br />- verify that the card is not visibly altered or mutilated,
<br />Imccomlgloballdocuments/mastercard-
<br />. capture card data using the POS device by inserting the card (chip card), swiping
<br />rules.pdf
<br />the cardma netic stripe), ( g pe), or tapping/waving the card (contactless)
<br />Visa Inc. https://usa.visa.comldam[VCOM
<br />. ensure that the cardholder enters their PIN using the keypad if prompted or
<br />/downloadlabout-visa/visa-rules-public.
<br />provides their signature unless you are participating in the No Signature Required
<br />pdf
<br />or PINless programs,
<br />PayPal- https://www.paypal.comlus/webapps
<br />• verify the card's valid from date (if applicable) and the expiration date:
<br />/mpp/accept-payments-online
<br />• verify that the card number and expiration date on the card are the same as on the
<br />transaction receipt and the number displayed on the POS device:
<br />. verify that the name on the transaction receipt is the same as the name on the
<br />front of the card (if applicable), and
<br />The first step of a transaction actually begins before a customer even decides to
<br />• ensure that the cardholder appears to be the person shown in the photograph (for
<br />make a purchase This part of Your Payments Acceptance Guide reviews steps you'
<br />cards with a photograph of the cardholder)
<br />11 need to take to ensure customers are informed of their payment options and
<br />Transactions where the cardholder is not present -'Card Not Present'
<br />understand the terms of sale. You'll also find tips and important reminders for
<br />transactions
<br />validating cards in order to reduce the risk of fraud Finally, specific procedures for
<br />accepting debit and EBT payments are outlined If you have questions about
<br />This section applies to any transaction where the cardholder is not present, such as
<br />a
<br />anything discussed in this guide. please contact Customer Service at the number
<br />mail. telephone. Internet and
<br />commerce
<br />located on your merchant services statement
<br />You may only conduct Internet transactions if you have notified us in advance and
<br />received approval
<br />1. Use of Payments Organizations' Brands
<br />DO'S
<br />DO'S
<br />• do obtain the card account number, name as it appears on the card expiration
<br />• do prominently display relevant trademarks of the payments organizations at each
<br />date of the card, and the cardholder's statement address
<br />of your locations, in catalogs, on websites and on other promotional material
<br />• do use the Address Verification Service (AVS) If you do not have AVS, contact
<br />• do only use the official trademarks of ours and of the payments organizations in
<br />Customer Service immediately
<br />the official format
<br />• do clearly print the following on the sales draft and provide a copy to the
<br />DON'TS
<br />cardholder at the time of delivery
<br />• don't indicate that we or any payments organization endorses your goods or
<br />-the last four digits of the cardholders account number,
<br />-the date of transaction.
<br />services
<br />• don't use the trademarks of any payments organization after your right to accept
<br />-a description of the goods and services,
<br />-the amount of the transaction (including shipping handling, insurance, etc );
<br />the cards of that payment organization has ended; or that payment organization
<br />-the cardholder's name, billing address and shipping address.
<br />has notified you to stop using their trademarks
<br />-the authorization code,
<br />• don't use the trademarks of ours or of the payments organizations in any way that
<br />-your name and address (city and state required)
<br />injures or diminishes the goodwill associated with the trademarks
<br />• don't use our trademarks or the trademarks of the payments organizations in any
<br />• do obtain proof of delivery of the goods or services to the address designated by
<br />manner, including in any advertisements displays, or press releases, without our
<br />the cardholder or. if the cardholder collects the goods or services in person, obtain
<br />prior written consent
<br />an imprint of the card
<br />For special rules applying to the treatment of the American Express brand please
<br />• do notify the cardholder of delivery time frames and special handling or
<br />refer to Appendix 2.
<br />cancellation policies.
<br />. do ship goods within 7 days from the date on which authorization was obtained If
<br />2. Point .
<br />delays are incurred (for example, out of stock) after the order has been taken.
<br />notify the cardholder and obtain fresh authorization of the transaction
<br />Do clearly and conspicuously:
<br />• disclose all material terms of sale prior to obtaining an authorization,
<br />• at all points of interaction inform cardholders which entity is making the sales offer,
<br />so that the cardholders can clearly distinguish you from any other party involved in
<br />the interaction, and
<br />• disclose any discount/incentive for customers to pay with cash, check, credit card
<br />or debit card and so on Any such discount/incentive must be offered to all
<br />customers with no special treatment for any card brand or card issuing bank
<br />CardCo2305
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