Preferred Rates for Your Business
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Navigating the Emv Implementation Process
PARTNERING FOR SUCCESS: NAVIGATING THE EMV IMPLEMENTATION PROCESS A Mercator Advisory Group Research Brief Sponsored by Moneris Solutions November 2014 Partnering for Success: Navigating the EMV ImplementationProcess A Mercator Advisory Group Research Brief Sponsored by Moneris Solutions Contents The EMV Standard .............................................................................................................................3 Reducing Counterfeit Card Fraud .......................................................................................................... 3 Reducing Card Theft Fraud .................................................................................................................... 3 Chip and PIN vs. Chip and Signature ...................................................................................................... 3 Card Network EMV Road Maps ............................................................................................................. 4 Outlook: EMV Adoption in the United States ......................................................................................5 Credit Card Issuance .............................................................................................................................. 5 Debit Card Issuance ............................................................................................................................... 6 Acceptance ........................................................................................................................................... -
Authorisation Service Sales Sheet Download
Authorisation Service OmniPay is First Data’s™ cost effective, Supported business profiles industry-leading payment processing platform. In addition to card present POS processing, the OmniPay platform Authorisation Service also supports these transaction The OmniPay platform Authorisation Service gives you types and products: 24/7 secure authorisation switching for both domestic and international merchants on behalf of merchant acquirers. • Card Present EMV offline PIN • Card Present EMV online PIN Card brand support • Card Not Present – MOTO The Authorisation Service supports a wide range of payment products including: • Dynamic Currency Conversion • Visa • eCommerce • Mastercard • Secure eCommerce –MasterCard SecureCode, Verified by Visa and SecurePlus • Maestro • Purchase with Cashback • Union Pay • SecureCode for telephone orders • JCB • MasterCard Gaming (Payment of winnings) • Diners Card International • Address Verification Service • Discover • Recurring and Installment • BCMC • Hotel Gratuity • Unattended Petrol • Aggregator • Maestro Advanced Registration Program (MARP) Supported authorisation message protocols • OmniPay ISO8583 • APACS 70 Authorisation Service Connectivity to the Card Schemes OmniPay Authorisation Server Resilience Visa – Each Data Centre has either two or four Visa EAS servers and resilient connectivity to Visa Europe, Visa US, Visa Canada, Visa CEMEA and Visa AP. Mastercard – Each Data Centre has a dedicated Mastercard MIP and resilient connectivity to the Mastercard MIP in the other Data Centre. The OmniPay platform has connections to Banknet for both European and non-European authorisations. Diners/Discover – Each Data Centre has connectivity to Diners Club International which is also used to process Discover Card authorisations. JCB – Each Data Centre has connectivity to Japan Credit Bureau which is used to process JCB authorisations. UnionPay – Each Data Centre has connectivity to UnionPay International which is used to process UnionPay authorisations. -
Pricing Schedule
PRICING SCHEDULE This is an example of terms that were available to recent applicants as of 12/31/18. They may not be available now. If you apply, your terms will be based on the terms of the offer when you apply. This Pricing Schedule is part of the Cardmember Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 24.99%. This APR will vary with the market based on the Prime Rate.1 APR for Balance Transfers 24.99%. This APR will vary with the market based on the Prime Rate.1 APR for Cash Advances 26.99%. This APR will vary with the market based on the Prime Rate.1 Penalty APR and When It Applies None Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on Paying Interest cash advances and balance transfers as of the later of the transaction date or the first day of the billing period in which the transaction posted to your Account. Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50. Fees Annual Fee None Balance Transfer Fee 3% of the amount of each transfer. Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater. Late Fee None the first time you pay late. -
TD Generation Union Pay Guide
TD Generation UnionPay Guide For the TD Generation • All-in-One, HSPA, WiFi • Portal with PINpad • Portal 2 with PINpad COPYRIGHT © 2016 by The Toronto-Dominion Bank This publication is confidential and proprietary to The Toronto-Dominion Bank and is intended solely for the use of Merchant customers of TD Merchant Solutions. This publication may not be reproduced or distributed, in whole or in part, for any other purpose without the written permission of an authorized representative of The Toronto-Dominion Bank. NOTICE The Toronto-Dominion Bank reserves the right to make changes to specifications at any time and without notice. The Toronto-Dominion Bank assumes no responsibility for the use by the Merchant customers of the information furnished in this publication, including without limitation for infringements of intellectual property rights or other rights of third parties resulting from its use. Contents Who should use this guide? .....................................................1 What is UnionPay? .................................................................................. 1 How do I identify a UnionPay card? ....................................................... 1 UnionPay card types ............................................................................... 1 Financial Transactions ............................................................2 Transaction requirements ......................................................................2 PIN entry ............................................................................................................2 -
Unionpay: Visa and Mastercard's Tough Chinese Rival
1.35% AXP American Express Co $66.0 USD 0.87 1.32% Market data is delayed at least 15 minutes. Company Lookup Ticker Symbol or Company Go Among the myriad designer brands at the Harrods flagship store in London, Chinese housewife Li Yafang spotted a corporate logo she knows from back home: the red, blue, and green of UnionPay cards. “It’s very convenient,” said Li, 39, as a salesperson rang up a £1,190 ($1,920) Prada Saffiano Lux handbag. With 2.9 billion cards in circulation—equal to 45 percent of the world’s total last year—UnionPay has grown into a payments processing colossus just 10 years after the company was founded. Now accepted in 135 countries, its share of global credit- and debit-card transaction volume for the first half of 2012 rose to 23.8 percent, propelling it to No. 2 behind Visa International (V), according to the Nilson Report, an industry newsletter. “UnionPay has absolute dominance in China, and it’s now expanding beyond that to become a top global player,” says James Friedman, an analyst at Susquehanna International Group. “Their numbers show they are already in the league of Visa and MasterCard (MA).” Yin Lian, UnionPay’s name in Mandarin, means “banks united,” which reflects its ownership structure. Its founding shareholders were 85 Chinese banks, led by the five biggest state-owned lenders. UnionPay’s top managers are former senior officials at the People’s Bank of China, the nation’s central bank. (The company would not make executives available for interviews.) At home, the Shanghai-based firm enjoys a big competitive edge: The government requires that all automated teller machines and Chinese merchants use UnionPay’s electronic payments network to process payments in the local currency. -
Pricing Schedule This Is an Example of Terms That Were Available to Recent Applicants As of 3/30/12
PriciNG SCHEDULE This is an example of terms that were available to recent applicants as of 3/30/12. They may not be available now. If you apply, your terms will be based on the terms of the offer when you apply. This Pricing Schedule is part of the Cardmember Agreement. Interest Rates and Interest Charges Annual Percentage Rate From 9.99% to 22.99%. This APR will vary with the market based on the Prime Rate.1 (APR) for Purchases APR for Balance Transfers From 9.99% to 22.99%. This APR will vary with the market based on the Prime Rate.1 APR for Cash Advances 23.99%. This APR will vary with the market based on the Prime Rate.1 Penalty APR and From up to 14.99% to up to 27.99% based on your creditworthiness and other factors. When It Applies This APR will vary with the market based on the Prime Rate.2 This APR may be applied to new purchases and balance transfers if you make a late payment. How Long Will the Penalty APR Apply? If your APRs for new purchases and balance transfers are increased for a late payment, the Penalty APR will apply indefinitely. Paying Interest Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers as of the later of the transaction date or the first day of the billing period in which the transaction posted to your Account. -
To Consult DPQ/Moneris Preferred Pricing
Preferred Rates For Your Business Les Dentistes propriétaires du Québec (DPQ) and Moneris® are pleased to introduce preferred card payment processing rates for your business.† Moneris Transaction 1 Interac Per Transaction Rate Card Type * Assessment Fee Interchange Fee Fee Debit Card $0.040 VISA 0.10% 0.09% Foreign Assessment Fee (VISA) of 0.40% will apply to all gross foreign sales dollar volume processed. Card Brand Fee (Interac) of $0.0085 will apply to each Interac transaction. An Interac fee of $0.035 Mastercard 0.10% 0.08% per transaction will apply to each Interac Flash® (contactless) transaction. Foreign Assessment Fee (Mastercard) of 0.60% will apply to all gross foreign sales dollar volume processed. For more information about the applicable Discover 0.10% 0.063% Interchange rates, Foreign Assessment Fee (Discover) of 0.40% will apply to all gross foreign sales dollar volume processed. please visit moneris.com/interchange POS Solution(s) Rates Union Pay 0.10% 0.1% Standalone $22.00/month Foreign Assessment Fee (UnionPay) of 0.10% will apply to all gross foreign sales dollar volume processed. PIN Pad $16.00/month Visa Debit 0.10% Short Range Wireless $45.00/month Debit MasterCard 0.10% $50.00/month * You agree that you are responsible for the fulfillment of any increase imposed by the Long Range Wireless (plus $75.00 one time activation fee) Card Brand and any fees, fines, penalties, or assessments levied by the Card Brands on us or our parent banks, RBC and BMO, in connection with the processing of your transactions. -
Required Documentation
Total Merchant Services Office: (800) 608-7363 Fax: (866) 614-0364 APPLICATION CHECKLIST For Horizon Canadian Merchant Account with Authorize.net FAX BACK W/ CHECKLIST TO: 1-866-614-0364 Or email it to: [email protected] WHAT IS YOUR BUSINESS DBA NAME? ______________________________________ REQUIRED DOCUMENTATION Merchant Application Pages 1 - 4 Voided Check (Personal check is OK if you are a sole proprietorship) It cannot be a starter check. If you don’t have an actual check yet we will need a letter from the bank with the following: 1. Is on bank letterhead 2. States that your business has an account 3. States account number and routing number 4. Is signed by a bank representative 5. Is stamped with the bank stamp Website Address (website must have business name and contact information) Most Recent Processing Statement ( you only need to provide this if you are currently processing) REQUIRED SIGNATURES AND INITIALS Page 1: Signature and Initial on the bottom of page Page 2: Signatures at top and bottom, 2 initials in the middle and 1initial at the bottom Page 3: Initials at the bottom Page 4: Signature in the middle and bottom. 1 Initials at bottom FAX PAPERWORK BACK w/ THIS CHECKLIST TO 1-866-614-0364 Fax Paperwork back WITH THIS CHECKLIST to 1 -866 -614 -0364 Scan and email paperwork with this check list to info @smallbizguardian .com It generally takes us 3-5 days to get your account approved and set up. Once it has been approved you will receive a welcome email from Total Merchant Services. -
Worldline + Discover Global Network
WL Online Payment Acceptance attract high-spending customers from around the world with Discover Global Network Accepting cards running on Discover® Global Network will provide you the opportunity to grow your online business by attracting aluent, international shoppers with high spending power to increase valuable crossborder sales. Discover Global Network is the third largest payment network in the world with over 70 million cardholders from around the globe. Access multiple cards through Discover Global Network one powerful network quick facts By accepting cards that run on Discover Global Network, it enables • 3rd largest payments network in the world you to tap into billions in international spending from multiple cards, including Discover card, Diners Club International, and • 70M+ cardholders around the globe Alliance Partners from around the globe. • 41M+ merchant locations in 185 Discover Global Network countries/territories • Discover 1 in every 4 households in the U.S. have a Discover card. • Diners Club International an exclusive payment card for aluent customers with cards issued in over 55 countries. There are millions of card members ranging from aluent personal cardholers to corporate account holders. Alliance Partners • BC Global Card South Korea’s largest payments network with 83% crossborder transactions online. • Elo Brazil’s largest network with 38% of Brazilian consumers purchasing goods online from foreign stores. an atos company Grow your cross-border sales with our partnership As a global acquirer, Worldline can help your business facilitate acceptance of valuable cross-border business through Discover Global Network. With our partnership, a single contract enables you to tap into the network’s aluent and loyal spenders. -
2020 Annual Report Discover Card • $71 Billion in Loans a Leading • Leading Cash Rewards Program
2020 Annual Report Discover Card • $71 billion in loans A Leading • Leading cash rewards program Student Loans Digital Bank • $10 billion in student loans and Payments • Offered at more than 2,400 colleges Personal Loans • $7 billion in loans • Debt consolidation and major purchases Partner Home Loans • $2 billion in mortgages Discover is one of the largest digital banks in the United • Cash-out refinance and home loans States, offering a broad array of products, including credit cards, personal loans, student loans, deposit products Deposit Products and home loans. • $63 billion in direct-to-consumer deposits • Money market accounts, certificates The Discover brand is known for rewards, service and of deposit, savings accounts and checking value. Across all digital banking products, Discover seeks accounts to help customers meet their financial needs and achieve brighter financial futures. Discover Network Discover Global Network, the global payments brand of • $181 billion volume Discover Financial Services, strives to be the most flexible • 20+ network alliances and innovative payments partner in the United States and around the world. Our Network Partners business provides payment transaction processing and settlement services PULSE Debit Network on the Discover Network. PULSE is one of the nation’s • $212 billion volume leading ATM/debit networks, and Diners Club International is a global payments network with acceptance around Diners Club International the world. • $24 billion volume To my fellow shareholders, A year has passed since our world changed virtually overnight as we faced the greatest public health crisis in a century and the resulting economic contraction. We remain grateful to those on the front lines of this battle, including healthcare and emergency workers, and everyone who has taken personal risk to make sure the essential services of our society keep running. -
Debit Cards Visa Silver Clearing SMS Alerts Monthly ADC/Digital For
Key Fact Statement (KFS) for Deposit Accounts BANK AL HABIB LTD Date __________ branch IMPORTANT: Read this document carefully if you are considering opening a new account. It is available in English and Urdu. You may also use this document to compare different accounts offered by other banks. You have the right to receive KFS from other banks for comparison. Account Types & Salient Features: Fixed Term Deposit This information is accurate as of the date above. Services, fees and mark up rates may change on Quarterly basis. For updated fees/charges, you may visit our website at www.bankalhabib.com or visit our branches. • No penalty on Premature Encashment. Indicative Rates of Profit on Fixed Deposit Schemes 1 Month Deposit 5.50% p.a 3 Months Deposit 5.50% p.a 6 Months Deposit 5.50% p.a 1 Year Deposit 6.10% p.a 2 Year Deposit 6.30% p.a 3 Year Deposit 6.55% p.a 4 Year Deposit 6.55% p.a 5 Year Deposit 6.55% p.a On premature encashment, profit will be calculated as per rate of last nearest completed tenure while profit on the remaining number of days deposit held, will be calculated and paid on the Savings Account Profit Rate, applicable at the time of Booking of deposit Note: Kindly refer Schedule of Charges (SOC) for exemptions of service charges. Conventional Particulars Fixed Term Deposit Currency PKR Minimum Balance for To open 0 Account To keep 0 Account Maintenance Fee 0 Is Profit Paid on account Yes Subject to the applicable tax rate Indicative Profit Rate. -
2008 Annual Report to Shareholders
191ST ANNUAL REPORT 2008 Defining great customer experience I value a clear plan for the retirement I want. I appreciate a bank that can help my company in good times and bad. Who will explain all my mortgage options so that I actually understand? Thanks for giving me the advice that makes sense for me. Defining great customer experience begins with making sense of it all. BMO’s vision – to be the bank that defines great customer experience – galvanizes our organization and encourages every one of our 37,000 employees to help us succeed. In everything we do, we define great customer experience. We do so by helping our customers make sense of their financial lives, and by bringing clarity to the complexities of money. BMO gratefully acknowledges our customers who so generously gave their time and portraits to this annual report. Adolphe A. Tinling Linda Knight Scott Saxberg Maria Monreal-Cameron President and Principal Designer CEO, President and CEO, President and CEO, Adolphe Anthony T. Design CarePartners Crescent Point Energy Trust Hispanic Chamber of Commerce International and Associates Waterloo, Ontario Calgary, Alberta of Wisconsin Montreal, Quebec Milwaukee, Wisconsin Who We Are A Canadian-based North American bank, established in 1817, BMO® Financial Group is highly diversified. We work with millions of personal, commercial, corporate and institutional customers through our operating groups: Personal and Commercial Banking Canada, Personal and Commercial Banking U.S., Private Client Group and BMO Capital Markets. Our 37,000 employees are dedicated to making BMO the bank that defines great customer experience. Our approach is relationship-driven.