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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

UnionPay

  • The ‘Honor All Cards’ rules apply to ecommerce businesses (i.e. if acquirers and merchants integrate with Express Pay, they are required to accept all credit cards and signature based debit cards)
  • Merchants with multiple payment pages (i.e. multiple languages, currencies, service regions, business areas, logistic coverage, departures or destinations, etc.) accept UnionPay cards across all payment pages
  • ecommerce merchants are required to provide a consistent user experience when accepting UnionPay cards
  • ecommerce merchants must display the UnionPay logo on the payment page once they have integrated with the UnionPay Online Payment service and display the UnionPay logo with equal prominence to other payment logos

American Express OptBlue®

  • Merchants must provide to customers the option to decline being included in marketing campaigns or having their personal information included on lists sold to third parties
  • The website must not contain libelous, defamatory, obscene, pornographic, or profane material or any instructions that may cause harm to any individuals or to the American Express Brand
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