Merchant Education

Modified Requirements for Subscription and Negative Option Billing Models.

This manual contains Standards. Each Customer must comply fully with these Standards. All of the Standards in this manual are assigned to noncompliance category A under the compliance framework set forth in Chapter 2 of the Mastercard Rules manual (“the compliance framework”), unless otherwise specified in the table below. The noncompliance assessment schedule provided in the compliance framework pertains to any Standard in the Security Rules and Procedures manual that does not have an established compliance Program. The Corporation may deviate from the schedule at any time.

This program guide is for token requestors including merchants, payment service providers (PSP) and commerce platforms, who want to use the Secure Card on File (SCOF) Application Programming Interface (API) to tokenize the primary account number (PAN) held on file by replacing each PAN with a unique token (subject to issuer participation). Electronic Commerce (e-commerce) and in-app transactions use these tokens in the same way as the PAN.

This article provides a high-level overview of the single and dual message system chargeback cycles as well as arbitration and compliance.

Third Party Agents (TPA) who perform solicitation activities (ISO), deploy ATM, point of sale (POS) or kiosk PIN acceptance devices and/or manage encryption keys (ESO), or store, process, transmit, or have access to Visa cardholder data must be registered in the TPA Registration Program before issuers, acquirers and merchants can use their services.

The European Union is introducing new security measures called Strong Customer Authentication (SCA), which may change the way customers pay online and offline/in-store making a contactless payment with their Visa.

Many domestic ecommerce merchants today are expanding their global footprint, making cross-border ecommerce payment processing an important and growing trend. For ecommerce merchants, cross-border payment acceptance means enormous opportunities to sell to emerging markets.

Providing customers with a safe, reliable transactions network is a priority your
business shares with the entire global payments industry. The threat of data piracy is real, and simple procedures can and must be taken to anticipate it — and to spot crimes quickly when thieves momentarily succeed.

Dispute Management Guidelines for Visa Merchants is a comprehensive manual for all businesses that accept Visa transactions. The purpose of this guide is to provide merchants and their back- office sales staff with accurate, up-to-date information to help merchants minimizing the risk of loss from fraud and disputes. This document covers dispute requirements and best practices for processing transactions that are charged back to the merchant by their acquirer.

This guide is for digital merchants (this includes but is not limited to providers of digital content, games etc. and merchants who sell goods using a digital sales model — airlines, hotels, railways etc.) to support how they manage and mitigate payment risks within their business when supplying digital goods or services. It covers policies, procedures and functionality currently in successful use by digital merchants today and recommendations based on Visa’s global payment industry experience.

Consumer trust in the security of sensitive information is more critical than ever. When customers hand you their Visa payment card or provide you with their account information, they expect you to safeguard that data. Keeping that trust is essential to growing your business.

As a leader in payments, Visa remains focused on understanding risks inherent in the payment ecosystem in order to enable secure and trusted commerce. This guide provides fraud prevention strategies for crypto merchants (direct exchanges and wallet providers) and acquirers.

Estimated/initial authorizations give eligible merchants the ability to better process transactions when the fnal amount of a transaction is not known. Partnered with estimates/initial
authorizations, incremental authorizations give merchants further fexibility to increase the amount authorized as conditions change or additional charges accrue.

This FAQ covers questions Visa clients may have on the Account Data Compromise Program changes effective from 1st October 2021, please see the new What To Do If Compromised Document v.11 – Europe Region.

Visa has specific rules clarifying acceptance procedures for merchants. It is important for merchants to be informed of these policies to avoid being out of compliance with Visa rules and to maintain customer satisfaction.