DOCSLIB.ORG

Eftpos Technical, Operational and Security Rules

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
Eftpos Technical, Operational and Security Rules eftpos Technical, Operational and Security Rules V2.15 effective 27 April 2021 eftpos Technical, Operational and Security Rules V2.15 Copyright and disclaimer Information in this document is the confidential information of eftpos Payments Australia Limited and is subject to change without notice. No part of it may be copied, reproduced, translated, or reduced to any electronic medium or machine-readable form without prior written permission from eftpos Payments Australia Limited. Written and published in Sydney, Australia by eftpos Payments Australia Limited. ABN 37 136 180 366 ©2010 - 2021 eftpos Payments Australia Limited. All Rights Reserved. Commercial-in-Confidence eftpos Payments Australia Limited ABN 37 136 180 366 Head Office Level 11, 45 Clarence Street, Sydney NSW 2000 | GPO Box 126, Sydney NSW 2001 Telephone +61 2 8270 1800 | Facsimile +61 2 9299 2885 | Email: [email protected] www.eftposaustralia.com.au 1 eftpos Technical, Operational and Security Rules V2.15 Amendment Certificate The responsibility for amending this document rests with the Chief Operating Officer. Version Date Key Changes 0.2.1 21 Sep 2010 Review prepaid sections 0.2.2 29 Sep 2010 Progression of the above and interaction with CECS rules. 0.3.1 3 Nov 2010 Change of abbreviated name from TOS rules to Operational Rules. Identification of Confidential clauses. 1.0 7 Dec 2010 As approved by Board on 07/12/10. 1.1 11 Oct 2011 Changes to Section 8. Addition of eftpos batch file format and reporting requirements in new Part 11. Amendments to floor limit for cash or cash/purchase combined transactions. 1.2 16 Apr 2012 As approved by Board Updated requirements for eftpos fee code in F047 for 0200/0220 messages. As per Member Advice 006-12, Changed field length for F025 in the 0200 and 9200 messages from 3 to 2. Changed reference to standard for F018 to Merchant category code AS2805 part 16. Added 11C.1.6 Technical Contacts. Removed footnote 7 for F04 of 0200 message as it relates to ATM direct charge. AmendedF028 footnote as the field is used for ATM fees. Removed references to “common fields” section and ensured all fields referenced are contained in the Fields section of Appendix 5I. Corrected field length for F055 Tags 9F26 and 9F27. Removed reference to AS3521 Identification cards - Physical characteristics standard withdrawn. Commercial-in-Confidence eftpos Payments Australia Limited ABN 37 136 180 366 Head Office Level 11, 45 Clarence Street, Sydney NSW 2000 | GPO Box 126, Sydney NSW 2001 Telephone +61 2 8270 1800 | Facsimile +61 2 9299 2885 | Email: [email protected] www.eftposaustralia.com.au 2 eftpos Technical, Operational and Security Rules V2.15 1.3 31 Oct 2012 As approved by the Board 4 October 2012. 1.2 Amended definition for Service provider. 8.5.3 Replaced transaction diagram and amended description for eftpos cash out as it contained ATM processing information. 6.4.1 Fees. Added details of where fees are published. 11.1 & 11.3.3 Added clauses for reporting of data breach or compromise. 11.2 Added clauses relating to disclosure of reporting information. 3A.3 Severity Levels. Minor edits. 3A.5 Added notifications received by the company. 3A.6 Added Post Incident outage report. 6B.1.7 Added File compression. 6c.1.2 Corrected reference from SHA-2 to SSH-2. 6C.1.7 Amended contact details for technical staff. 1.4 1 May 2013 5.12.5, 6.1.1, 6.1.2, 6.1.3, 8.9.1, 11.3.1, 11.3.2&6C.1.3 Minor edits and corrections. 6B.1.8, 6B.1.9&6B.1.10Amended field description of Field 11 Systems Trace Audit Number (STAN), to reflect the field description in the Original message. 6B.1.8, 6B.1.9, 6B.1.10&6B.1.11Amended field description of Field 15 Settlement date, to reflect the field description in the Original message. Commercial-in-Confidence eftpos Payments Australia Limited ABN 37 136 180 366 Head Office Level 11, 45 Clarence Street, Sydney NSW 2000 | GPO Box 126, Sydney NSW 2001 Telephone +61 2 8270 1800 | Facsimile +61 2 9299 2885 | Email: [email protected] www.eftposaustralia.com.au 3 eftpos Technical, Operational and Security Rules V2.15 2.0 15 Apr 2014 Document restructured for eftpos Chip and Contactless processing. Added definitions for Chip and Contactless. Amended references to message format to include Appendix 5 for bilateral messages and the eftpos Hub Link Specification document for eftpos Hub direct connectors including Chip and Contactless messages. Amalgamated all fallback and dispute sections to 2.7 Common requirements. Updated limits and fallback types to include eftpos EMV fallback processing. Document restructured and definitions added for the introduction of the eftpos Hub and the incorporation of the eftpos Access Code connectivity arrangements into the eftpos Scheme Rules. Deleted contingency file processing as not supported by Members. Updated registration and certification requirements to support eftpos Chip and Contactless processing. Clarified requirements for Cash and Cash/Purchase transactions. 2.1 1 Oct 2014 Clarification of requirements for short duration pre- authorisation transactions. Change requirement for F55 in batch file reporting to optional. Added definitions for TAV and CTAV. Updated document names referenced in the manual. Minor amendments requiring Acquirers to provide merchants with guidelines for processing cash out and surcharges. Minor clarifications to some clauses for unattended devices General corrects/edits for typographical errors and cross references. 2.2 1 Apr 2015 Version 2.1 Re-published without change. Commercial-in-Confidence eftpos Payments Australia Limited ABN 37 136 180 366 Head Office Level 11, 45 Clarence Street, Sydney NSW 2000 | GPO Box 126, Sydney NSW 2001 Telephone +61 2 8270 1800 | Facsimile +61 2 9299 2885 | Email: [email protected] www.eftposaustralia.com.au 4 eftpos Technical, Operational and Security Rules V2.15 2.3 1 Nov 2015 Restructure of TOSR document. Changes to add requirements for eftpos Digital for eftpos Online. Rewrite of Disputes and Chargebacks Section. Updates to Reporting requirements. 2.4 28 April 2016 Introduction of requirements for eftpos Mobile. Introduction of tokenisation requirements. 2.5 26 October 2016 Minor and technical changes regarding: o eftpos Chip and Contactless o eftpos Mobile and Tokenisation o Changes to regulatory requirements Other minor changes and clarifications 2.6 27 April 2017 Changes for: o Updates to eftpos Mobile o Introduction of eftpos Settlement Service o Introduction of support for eftpos In-App Updates to Disputed Transactions and Chargebacks 2.7 25 October 2017 Changes for: o In-App Payments to support Refund Transactions o Clarification for Cashout support across interfaces o Issuer support for default account o Updates to eftpos Settlement Service following RBA feedback o Updates to Disputed Transaction and Chargebacks reporting Other minor changes and clarifications 2.8 25 April 2018 Changes for: o Introduction of eftpos Digital Acceptance (formerly eftpos Online) through the eftpos Digital Acceptance Framework. o Updates to Disputed Transactions and Chargebacks to address card not present transactions. o Addition of a Corrective Batch as part of eSS. o Updates to requirements for certification of eftpos Acceptance Devices. Commercial-in-Confidence eftpos Payments Australia Limited ABN 37 136 180 366 Head Office Level 11, 45 Clarence Street, Sydney NSW 2000 | GPO Box 126, Sydney NSW 2001 Telephone +61 2 8270 1800 | Facsimile +61 2 9299 2885 | Email: [email protected] www.eftposaustralia.com.au 5 eftpos Technical, Operational and Security Rules V2.15 o Updates to the eftpos Certification Body pre- requisites for Acceptance Devices. Removal of Bilateral Interchange Specification. 2.9 24 October 2018 Changes for: o Clarifications relating to eftpos Digital Acceptance, as a result of eftpos Digital Acceptance Reference Group feedback. o Introduction of eftpos Open Loop Transit. o Additional requirements relating to Merchant routed transactions. o Clarifications relating to Acceptance Devices, Cashout and Fallback processing. o Clarification of eftpos Disputed Transactions and Chargebacks reason codes. Amendments to bilateral Interchange Link and bilateral Settlement provisions. 2.10 30 April 2019 Changes for: o Introduction of Merchant Token Requester, Merchant Initiated Transactions and Staged Digital Wallets (eDAF) o Clarification of eftpos Disputed Transactions and Chargebacks. o Clarifications relating to Acceptance Devices, Cashout and Fallback processing. o Amendments to bilateral Interchange Link and bilateral Settlement provisions. Other summary minor and technical corrections. 2.11 07 July 2019 Changes for: o Requirement regarding CNP Fraud rates - AusPayNet CNP Framework o Updates to support new eftpos Digital use cases o Updates to Member obligations regarding the Service Providers o Updates to support Open Loop Transit transactions on eftpos Form factors. o Updates to cater for Consumer Data Right regulations 2.12 05 May 2020 Changes for: Commercial-in-Confidence eftpos Payments Australia Limited ABN 37 136 180 366 Head Office Level 11, 45 Clarence Street, Sydney NSW 2000 | GPO Box 126, Sydney NSW 2001 Telephone +61 2 8270 1800 | Facsimile +61 2 9299 2885 | Email: [email protected] www.eftposaustralia.com.au 6 eftpos Technical, Operational and Security Rules V2.15 o Inclusion of requirements for BIN Controller for allocating PARs to the eftpos proprietary cards. o Updates to Authorised eftpos Digital
Load more

Recommended publications
  • How Can Private Sector Systems Achieve Public Policy Goals?
    Faster Payments in the United States: How Can Private Sector Systems Achieve Public Policy Goals? Fumiko Hayashi June 2015 RWP 15-03 Faster Payments in the United States: How Can Private Sector Systems Achieve Public Policy Goals?∗ Fumiko Hayashi† June 2015 Abstract Consumers and businesses are increasingly expecting faster payments. While many countries have already developed or are in process of developing faster payments, the availability of these payments is fragmented in the United States. The recently released paper by the Federal Reserve encourages private sector participants to provide faster payment services. However, private- sector faster payments systems will face significant challenges in achieving public policy goals of ubiquity, safety, and efficiency unless system governance represents broad public interests. One way to better align private-sector interests with those of the public is for the Federal Reserve to influence governance of the private-sector systems through its leadership role. JEL Classification: L5; L88; M14 Keywords: Faster payments, System governance, Public interest ∗ The author thanks Kelly Edmiston and Richard J. Sullivan for valuable comments, and Elizabeth Cook for editorial suggestions. The views expressed herein are those of the author and do not necessarily reflect the views of the Federal Reserve Bank of Kansas City or the Federal Reserve System. † Fumiko Hayashi is a senior economist at the Federal Reserve Bank of Kansas City. E-mail: [email protected]. 1 1. Introduction In the wake of technological innovations such as high-speed data networks and sophisticated mobile computing devices, consumers and businesses have raised their expectations for faster payments. Payment users increasingly expect electronic payment products to be accessible through mobile and online channels at any time.
    [Show full text]
  • Payments and Market Infrastructure Two Decades After the Start of the European Central Bank Editor: Daniela Russo
    Payments and market infrastructure two decades after the start of the European Central Bank Editor: Daniela Russo July 2021 Contents Foreword 6 Acknowledgements 8 Introduction 9 Prepared by Daniela Russo Tommaso Padoa-Schioppa, a 21st century renaissance man 13 Prepared by Daniela Russo and Ignacio Terol Alberto Giovannini and the European Institutions 19 Prepared by John Berrigan, Mario Nava and Daniela Russo Global cooperation 22 Prepared by Daniela Russo and Takeshi Shirakami Part 1 The Eurosystem as operator: TARGET2, T2S and collateral management systems 31 Chapter 1 – TARGET 2 and the birth of the TARGET family 32 Prepared by Jochen Metzger Chapter 2 – TARGET 37 Prepared by Dieter Reichwein Chapter 3 – TARGET2 44 Prepared by Dieter Reichwein Chapter 4 – The Eurosystem collateral management 52 Prepared by Simone Maskens, Daniela Russo and Markus Mayers Chapter 5 – T2S: building the European securities market infrastructure 60 Prepared by Marc Bayle de Jessé Chapter 6 – The governance of TARGET2-Securities 63 Prepared by Cristina Mastropasqua and Flavia Perone Chapter 7 – Instant payments and TARGET Instant Payment Settlement (TIPS) 72 Prepared by Carlos Conesa Eurosystem-operated market infrastructure: key milestones 77 Part 2 The Eurosystem as a catalyst: retail payments 79 Chapter 1 – The Single Euro Payments Area (SEPA) revolution: how the vision turned into reality 80 Prepared by Gertrude Tumpel-Gugerell Contents 1 Chapter 2 – Legal and regulatory history of EU retail payments 87 Prepared by Maria Chiara Malaguti Chapter 3 –
    [Show full text]
  • Contactless Operating Mode Requirements Clarification Whitepaper
    Contactless Operating Mode Requirements Clarification Whitepaper Version 1.0 Publication Date: February 2020 U.S. Payments Forum ©2020 Page 1 About the U.S. Payments Forum The U.S. Payments Forum, formerly the EMV Migration Forum, is a cross-industry body focused on supporting the introduction and implementation of EMV chip and other new and emerging technologies that protect the security of, and enhance opportunities for payment transactions within the United States. The Forum is the only non-profit organization whose membership includes the entire payments ecosystem, ensuring that all stakeholders have the opportunity to coordinate, cooperate on, and have a voice in the future of the U.S. payments industry. Additional information can be found at http://www.uspaymentsforum.org. EMV ® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC. Copyright ©2020 U.S. Payments Forum and Smart Card Alliance. All rights reserved. The U.S. Payments Forum has used best efforts to ensure, but cannot guarantee, that the information described in this document is accurate as of the publication date. The U.S. Payments Forum disclaims all warranties as to the accuracy, completeness or adequacy of information in this document. Comments or recommendations for edits or additions to this document should be submitted to: [email protected]. U.S. Payments Forum ©2020 Page 2 Table of Contents 1. Introduction .......................................................................................................................................... 4 2. Contactless Operating Modes ............................................................................................................... 5 2.1 Impact of Contactless Operating Mode on Debit Routing Options .............................................. 6 3. Contactless Issuance Requirements ..................................................................................................... 7 4.
    [Show full text]
  • Chip Cards and EMV: Coming Soon
    What are the benefits? Chip cards and Chip cards offer a more secure way to process card transactions. The secure microchip contains security EMV: coming soon data and software – because it is more difficult to fraudulently copy the details of the card, security is increased. Accepting chip cards therefore helps you reduce the risk of processing a counterfeit, lost or stolen card. And better card security means fewer disputed transactions. ADB3492 110908 We’re here to help You can find more information about EMV at www.commbank.com.au/emv If you have any further queries about EMV, you can email [email protected] or call our Merchant Help Desk on 1800 022 966, 24 hours, Important information about 7 days a week. your EFTPOS terminal inside What is EMV? What do you need to do? EMV (Europay MasterCard Visa) is the global All you need to do is leave your terminal switched ON electronic transaction standard named after the three overnight from 08 October, and we’ll do the rest. organisations that established it. The EMV standard enables EFTPOS terminals worldwide to process chip-based debit and credit cards. How do you know when To meet EMV standards, the Commonwealth Bank the upgrade is complete? is planning upgrades to its EFTPOS terminals so they can process chip cards. Once you swipe a card that has a chip, your EFTPOS Please note that after the upgrade, you will still be able terminal will prompt you to ‘insert card’ rather than to process cards using the magnetic strip, including ‘swipe card’.
    [Show full text]
  • AUTOMATED TELLER MACHINE (Athl) NETWORK EVOLUTION in AMERICAN RETAIL BANKING: WHAT DRIVES IT?
    AUTOMATED TELLER MACHINE (AThl) NETWORK EVOLUTION IN AMERICAN RETAIL BANKING: WHAT DRIVES IT? Robert J. Kauffiiian Leollard N.Stern School of Busivless New 'r'osk Universit,y Re\\. %sk, Net.\' York 10003 Mary Beth Tlieisen J,eorr;~rd n'. Stcr~iSchool of B~~sincss New \'orl; University New York, NY 10006 C'e~~terfor Rcseai.clt 011 Irlfor~i~ntion Systclns lnfoornlation Systen~sI)epar%ment 1,eojrarcl K.Stelm Sclrool of' Busir~ess New York ITuiversity Working Paper Series STERN IS-91-2 Center for Digital Economy Research Stem School of Business Working Paper IS-91-02 Center for Digital Economy Research Stem School of Business IVorking Paper IS-91-02 AUTOMATED TELLER MACHINE (ATM) NETWORK EVOLUTION IN AMERICAN RETAIL BANKING: WHAT DRIVES IT? ABSTRACT The organization of automated teller machine (ATM) and electronic banking services in the United States has undergone significant structural changes in the past two or three years that raise questions about the long term prospects for the retail banking industry, the nature of network competition, ATM service pricing, and what role ATMs will play in the development of an interstate banking system. In this paper we investigate ways that banks use ATM services and membership in ATM networks as strategic marketing tools. We also examine how the changes in the size, number, and ownership of ATM networks (from banks or groups of banks to independent operators) have impacted the structure of ATM deployment in the retail banking industry. Finally, we consider how movement toward market saturation is changing how the public values electronic banking services, and what this means for bankers.
    [Show full text]
  • EMF Implementing EMV at The
    Implementing EMV®at the ATM: Requirements and Recommendations for the U.S. ATM Community Version 2.0 Date: June 2015 Implementing EMV at the ATM: Requirements and Recommendations for the U.S. ATM Community About the EMV Migration Forum The EMV Migration Forum is a cross-industry body focused on supporting the EMV implementation steps required for global and regional payment networks, issuers, processors, merchants, and consumers to help ensure a successful introduction of more secure EMV chip technology in the United States. The focus of the Forum is to address topics that require some level of industry cooperation and/or coordination to migrate successfully to EMV technology in the United States. For more information on the EMV Migration Forum, please visit http://www.emv- connection.com/emv-migration-forum/. EMV is a trademark owned by EMVCo LLC. Copyright ©2015 EMV Migration Forum and Smart Card Alliance. All rights reserved. The EMV Migration Forum has used best efforts to ensure, but cannot guarantee, that the information described in this document is accurate as of the publication date. The EMV Migration Forum disclaims all warranties as to the accuracy, completeness or adequacy of information in this document. Comments or recommendations for edits or additions to this document should be submitted to: ATM- [email protected]. __________________________________________________________________________________ Page 2 Implementing EMV at the ATM: Requirements and Recommendations for the U.S. ATM Community TABLE OF CONTENTS
    [Show full text]
  • GBIC Approval Scheme
    GBIC Approval Scheme Version 1.11 11.10.2018 GBIC Approval Scheme Content 1 Management Summary ................................................................................................... 8 2 Introduction .................................................................................................................... 11 2.1 Scope ................................................................................................................... 11 2.2 Objectives ............................................................................................................ 11 2.3 GBIC as Approval Authority .................................................................................. 12 2.4 Starting Points ...................................................................................................... 13 2.4.1 Development of the GBIC Approval Scheme ............................................. 13 2.4.2 Extension to Other Payment Schemes and Approval Bodies .................... 14 2.4.3 Necessity of a Common and Uniform Approval Scheme for Payment Schemes .................................................................................... 14 3 Approval Policy .............................................................................................................. 16 3.1 Overall Objectives ................................................................................................ 16 3.1.1 Compliance with Legal Requirements ....................................................... 16 3.1.2 Interoperability .........................................................................................
    [Show full text]
  • Moving Forward. Driving Results. Euronet Worldwide Annual Report 2004 Report Annual Worldwide Euronet
    MOVING FORWARD. DRIVING RESULTS. EURONET WORLDWIDE ANNUAL REPORT 2004 REPORT ANNUAL WORLDWIDE EURONET EURONET WORLDWIDE ANNUAL REPORT 2004 The Transaction Highway At Euronet Worldwide, Inc. secure electronic financial transactions are the driving force of our business. Our mission is to bring electronic payment convenience to millions who have not had it before. Every day, our operations centers in six countries connect consumers, banks, retailers and mobile operators around the world, and we process millions of transactions a day over this transaction highway. We are the world's largest processor of prepaid transactions, supporting more than 175,000 point-of-sale (POS) terminals at small and major retailers around the world. We operate the largest pan-European automated teller machine (ATM) network across 14 countries and the largest shared ATM network in India. Our comprehensive software powers not only our own international processing centers, but it also supports more than 46 million transactions per month for integrated ATM, POS, telephone, Internet and mobile banking solutions for our customers in more than 60 countries. Glossary ATM – Automated Teller Machine EMEA - Europe, Middle East and Africa An unattended electronic machine in a public Euronet has an EMEA regional business unit in place that dispenses cash and bank account the EFT Processing Segment. information when a personal coded card is EPS - Earnings per Share used. A company's profit divided by each fully-diluted Contents EBITDA - Earnings before interest, taxes, share of common stock. depreciation and amortization 3...Letter to Our Shareholders E-top-up – Electronic top up EBITDA is the result of operating profit plus The ability to add airtime to a prepaid mobile 5...2004 Company Highlights depreciation and amortization.
    [Show full text]
  • The Transaction Network in Japan's Interbank Money Markets
    The Transaction Network in Japan’s Interbank Money Markets Kei Imakubo and Yutaka Soejima Interbank payment and settlement flows have changed substantially in the last decade. This paper applies social network analysis to settlement data from the Bank of Japan Financial Network System (BOJ-NET) to examine the structure of transactions in the interbank money market. We find that interbank payment flows have changed from a star-shaped network with money brokers mediating at the hub to a decentralized network with nu- merous other channels. We note that this decentralized network includes a core network composed of several financial subsectors, in which these core nodes serve as hubs for nodes in the peripheral sub-networks. This structure connects all nodes in the network within two to three steps of links. The network has a variegated structure, with some clusters of in- stitutions on the periphery, and some institutions having strong links with the core and others having weak links. The structure of the network is a critical determinant of systemic risk, because the mechanism in which liquidity shocks are propagated to the entire interbank market, or like- wise absorbed in the process of propagation, depends greatly on network topology. Shock simulation examines the propagation process using the settlement data. Keywords: Interbank market; Real-time gross settlement; Network; Small world; Core and periphery; Systemic risk JEL Classification: E58, G14, G21, L14 Kei Imakubo: Financial Systems and Bank Examination Department, Bank of Japan (E-mail: [email protected]) Yutaka Soejima: Payment and Settlement Systems Department, Bank of Japan (E-mail: [email protected]) Empirical work in this paper was prepared for the 2006 Financial System Report (Bank of Japan [2006]), when the Bank of Japan (BOJ) ended the quantitative easing policy.
    [Show full text]
  • Privilege Agreement
    MERCHANT AGREEMENT THIS MERCHANT AGREEMENT is executed at Mumbai on the Effective Date as mentioned herein TABLE 1: Sr. Particulars Details No. 1. Agreement Execution and Effective date 2. Merchant Name 3. Merchant Address 4. Merchant Business filing Status 5. Merchant Site (URL) & Product/ Service Description 6. Product / Service 7. PAYMENT INSTRUCTIONS: The Merchant hereby instructs the Service Provider to make payment of Customer Charge in respect of a Customer Order in the bank account details mentioned in the Cheque/ Bank Statement provided by the Merchant. The Merchant agrees to pay the TDR and other charges as per the selected Pricing Scheme, the details of the TDR are mentioned in Annexure A hereto. Payment Schedule: The Merchant will receive the Customer Charges on a Td + 1 business day/Weekly basis. The TDR and the payment schedule may be revised by the Service Provider in accordance with the regulatory policies or as agreed between the Service Provider and Merchant from time to time. Any change in TDR and payment schedule due to mandates of Reserve Bank of India or Facility providers or Service Provider’s business promotion schemes shall be informed by the Service Provider to the Merchant and such change shall deemed to be accepted by the Merchant, if no written communication of non-acceptance of change is received from Merchant within 7 days of such intimation of change. By Signing this Agreement I/we/ the Merchant state that: I/ We have read and understood the Terms and Conditions as mentioned in the following Agreement. We agree that the payment gateway services of Infibeam Avenues Limited shall be govern by this Agreement and the same shall be legally binding on Merchant.
    [Show full text]
  • Retrieval & Chargeback Best Practices Visa Mastercard Discover
    Retrieval & Chargeback Best Practices A Merchant User Guide to Help Manage Disputes Visa MasterCard Discover American Express October 2015 www.FirstData.com Dispute Management Guide This guide is provided as a courtesy and is to be used for general information purposes only. First Data shall not be responsible for any inaccurate or incomplete information. The matters contained herein are subject to change. Individual circumstances may vary and procedures may be amended or supplemented as appropriate. This is not intended to be a complete listing of all applicable guidelines and/or procedures. No information contained herein alters any existing contractual obligations between First Data and its clients. The purpose of this guide is to provide merchants and their back office staff with additional educational guidance as it relates to Visa and MasterCard dispute processing. This manual contains information that relates to specific industry processing environments and includes best practices for doing business and avoiding loss as it relates to fraud and/or chargebacks. This guide does not take away from the terms or conditions outlined in your merchant processing agreement or replace current operation regulations. All chargeback’s should be reviewed and presented as individual cases. Although the reason codes may be the same, supporting documentation required to remedy individual chargeback scenarios may vary. © 2015 First Data Corporation. All Rights Reserved. All trademarks, service marks and trade names referenced in this material are the property of their respective owners. This document contains confidential and proprietary information of First Data Corporation. Review or distribution by individuals other than the intended recipients is strictly prohibited.
    [Show full text]
  • Chargeback Procedures and Fraud Prevention - Secure Credit Card Processing | E-Onlinedata
    Chargeback Procedures and Fraud Prevention - Secure Credit Card Processing | e-onlinedata 0 Home Merchant Services Reseller Programs Current Resellers Customer Service Our Company Home > Customer Service > Chargeback and Fraud Prevention Customer Service FAQs Chargeback Procedures & Fraud Prevention PCI Data Security Our Commitment to Secure Credit Card Processing PCI Frequently Asked Questions Criminals and hackers are all too aware of the latest security measures that Visa and MasterCard are creating to control fraud and identity theft. Merchants must Chargeback and Fraud Prevention be alert and take extra precautions wherever possible, because they are financially responsible for fraudulent transactions, including those approved by Best Practices the cardholder’s issuing bank. e-onlinedata is committed to helping merchants Glossary of Terms control and prevent credit card fraud. Support Request Forms Page index: General Inquiry Chargeback Process Merchant Inquiry Preventing Chargebacks 12 potential signs of Card Not Present Fraud Privacy Policy Visa-MasterCard Card Not Present Fraud Prevention Tools Visa and MasterCard will allow any cardholder to chargeback a purchase if the customer can demonstrate to ANY degree that they have not received the products or services promised by your company in the quantity, quality and time frame promised. In other words, if your company promises product or services delivery on Tuesday, but the product or service is not delivered until Wednesday (a day late), that cardholder can probably charge that sale back with little you can do about it. Likewise, if the quantity or quality of products or services delivered are not exactly as described on your site or in other marketing materials, the cardholder will be allowed to chargeback the purchase.
    [Show full text]