ECommerce Payment Network Requirements & Best Practices
MasterCard®
- Consider fraud prevention tools and MasterCard SecureCode®
- Transaction amount must match the value of the products and services in an individual shipment, including any additional charges for postage, packing, etc.
- If the purchase will be delivered in multiple shipments:
- The Merchant must notify the Cardholder and ensure that the combined amount of all shipments does not exceed the total purchase amount agreed to by the Cardholder
- The Merchant must obtain the Cardholder’s agreement to any increase in the purchase amount as a result of multiple or partial deliveries
- Each shipment, and any increase to the original agreed upon purchase amount, must be processed by the Merchant as a separate authorized transaction
- If the products or services purchased are not available at the time of the transaction:
- The Merchant must advise the Cardholder that their order will not be delivered within the time frame originally disclosed and agreed to with the Cardholder
- The Merchant must obtain the Cardholder’s agreement to a delayed delivery, specifying the anticipated delivery date and giving the opportunity to the Cardholder to cancel, before proceeding with the transaction
- The information provided on any email acknowledgment of the Cardholder’s order must comply with the transaction receipt.
VISA®
- Merchant that primarily operates from a personal residence must include the city, state/province and country of its Permanent Establishment, but is not required to provide the residence address
- Merchant must not display the full Account Number to the Cardholder online
- In addition, on an Online Gambling Merchant’s homepage or payment page, all of the following must be included:
- The statement “Internet gambling may be illegal in the jurisdiction in which you are located; if so, you are not authorized to use your payment card to complete this transaction.”
- A statement of the Cardholder’s responsibility to know the laws concerning online gambling in the Cardholder’s country
- A statement prohibiting the participation of minors
- A complete description of the rules of play, cancellation and pay-out policies
- A statement recommending that the Cardholder retain a copy of transaction records and Merchant policies and rules
Discover®
- Request and validate the Card Identification Data (CID) (the three-digit code on the back of the card in the signature panel)
- Verify the customer’s billing address, either electronically or by our automated phone system Address Verification System (AVS)
- Verify the customer’s name, full billing address, email address and phone number by enrolling in Discover’s free fraud prevention solution, Verify+
- Get a signature for each delivery and keep all delivery records
- All declined authorizations are final
- Refund purchases on the same card account that the purchase was made on
- When working on a chargeback, document efforts to satisfy the customer
- Respond to all chargebacks, even the small ones
- Duplicate charges or installment plans, unless otherwise stated, require an authorization for each sale
- Learn of confirmed fraudulent transactions and recall goods by enrolling in Discover’s free fraud prevention solution, Fraud Alerts.