Merchant category codes are used when a new merchant. Your chip implementation may require specifications developed by one or more of these resources. Merchant services, or better known as credit card processing is the handling of electronic payment transactions for merchants. Quick chip for emv and qvsdc quick chip and quick contactless is a specification enhancement from visa that simplifies the pos implementation, speeds up. Card acceptance guidelines for visa merchants is a comprehensive manual for.
The pci ssc delivers guidelines to merchants for the safe handling and. Payment card industry data security standard requirements. And that success is better assured if you have access to and understand the mastercard rules and how they may apply to your business. Each industry has different transaction patterns and differing levels of risk potential for fraud. Security rules and proceduresmerchant edition mastercard. This can help reduce pci compliance costs by protecting data in flight and at rest. The pci security standards council ssc released its new data security standard 3. Merchant category codes mastercard, visa, and online debit card networks card types 018, 021027, and 029030 use a 4digit numeric merchant category code mcc to identify the type of business conducted by a merchant. For example, by using an aggregated and deidentified transaction dataset, you can compare sales growth and chargeback performance. Provide merchants and their staff the latest information on processing all types of transactions. Quick reference bookletmerchant edition mastercard. The card acceptance guidelines for visa merchants is organized to help users find the information they need quickly and easily. As a mastercard processor or merchant, you are vital to our success. A merchants acquiring bank is responsible for ensuring the pci data security standard dss compliance of the merchant and any service providers the merchant is using.
You also should be aware that mastercard rules and other standards change from time to time. As a merchant, you must maintain full compliance at all times. Payment card industry data security standard wikipedia. Mastercard on or after 1 december 2014, mastercard will determine or in the manner set. Visa merchant data standards manual contains requirements for merchant payment facilitatormarketplace classification, location, and various data elements, including merchant location, merchant category codes mcc, and other visanet data formats. The purpose of this guide is to provide merchants and their sales staffs with accurate, uptodate information on processing visa transactions, while minimizing risk of.
Visa supplemental requirements 1 october 2018 visa public iii notice. In october 20, visa, mastercard and american express proposed a new standard for digital payments. Changes to visa merchant location rules gpn data blog. Visa international operating regulations vi visa public 15 october 20 20 visa. Card acceptance guidelines for visa merchants emerchant. If you need assistance, please contact global customer service.
The standard was created to increase controls around cardholder data to reduce credit card. If you are a merchant of any size accepting credit cards, you must be in compliance with pci security council standards. Merchant measurement provides insight into how well your merchant portfolios perform, by tracking sales metrics at multiple industry and geographic levels. Visa shares best practices to help defend against poor implementation, maintenance and support processes that have led to merchant and agent data compromises. The pci security standards council convened a small merchant business. Acquirers are requested to conduct appropriate due diligence and determine correct merchant locations according to customer data.
Visa merchant best practice guide for cardholder not. The purpose of this guide is to provide merchants and their sales staffs with accurate, uptodate information on processing visa. Guidelines for visa merchants is a comprehensive manual for. Audience this book is targeted at both cardpresent and cardabsent merchants and their. Any merchant meeting the level 1 criteria of visa, and. The visa merchant data standards manual contains requirements for merchantpayment facilitatormarketplace classification, location, and. In addition, some mccs identify a specific merchant or. The chargeback management guidelines for visa merchants provides icons that highlight additional resources or information. Pci faqs payment card industry data security standard. Rules for visa merchants card acceptance and chargeback management guidelines is a comprehensive manual for all businesses that accept visa transactions. Opening a merchant account for credit card acceptance. Audience this book is targeted at both cardpresent and cardabsent merchants and their employees outside of the jurisdiction of visa europe, which may have different practices and.
Always swipe the card once in the direction of the arrow shown on the reader. Card acceptance guidelines for visa merchants softek financials. The trademarks, logos, trade names, and service marks, whether registered or unregistered collectively the trademarks are trademarks owned by visa inc. Chargeback management guidelines for visa merchants. Manual key entry and card verification value 2 for us merchants. Section 1 about this guide 03 section 2 merchant procedures 05. Emvco the global standards organization that oversees emv specifications to ensure interoperability and acceptance has since built on this framework with input from emvcos members and the industry to advance availability and adoption of tokens around the world. Any merchant processing fewer than 20,000 visa ecommerce transactions per year, and all other merchants regardless of acceptance channel processing up to 1m visa transactions per year. Visa dsp is made up of hardware and software pointtopoint encryption p2pe and tokenisation. October 2014 visa public 5 12 visa merchant data standards manual section two. Visa merchant category classification mcc codes directory mcc merchant type 0742 veterinary services 0763 agricultural co operatives 0780 horticultural services 0780 landscaping services 1520 general contractors residential and commercial 1711 air conditioning contractors sales and installation. Guest post by ray moorman, mercury payment systems. The standards globally govern all merchants and organizations that store, process, or transmit this data with new requirements for software developers and manufacturers of applications and. Merchant data requirements general rules the mcc is a fourdigit number assigned to describe a merchant s primary business based on annual sales volume.
The following standards bodies and industry groups were formed to help ensure global interoperability for both acceptance and issuance of contact and contactless chip card products. Any merchant located outside the acquirers jurisdiction must be transitioned to an acquirer licensed in the appropriate country. Visa developed the payment application best practices pabp in 2005 to provide software vendors guidance in developing payment applications that help merchants and agents mitigate compromises, prevent storage of sensitive cardholder data i. The below table reflects changes included in this update of the mastercard switch rules manual. The visa merchant data standards manual has been updated to provide additional details and clarifications on some merchant category code descriptions. Never swipe a card back and forth or at an angle, as it may cause the reader to misread the magnetic stripe. Payment card industry data security standard version 3. You are also able to compare performance against many visa card accepting locations. Cybercriminals leveraging dynamic data exchange dde. You also should be aware that mastercard rules and other standards change from time. Visa merchant data standards manual pdf free download. Chapter number rule number chapter 5mastercard schemespecific requirements 5. A brief explanation of the visa service, program, or resources pertinent to the topic at hand. Pci security standards are technical and operational requirements set by the payment card industry security standards council to protect cardholder data.
The visa merchant data standards manual has been created to assist members in selecting the appropriate merchant category code mcc for a particular merchant and formatting other merchant data that must be entered into the visanet authorization and clearing processing systems. Effective through 16 october 2014, the abbreviated airline name as specified in visa merchant data standards manual must appear in the first. Visa advises acquirers, merchants, agents and payment application vendors to contact their licensed integrators and resellers, and insist that these best practices be immediately adopted. Verified by visa merchant best practices the verified by visa service is a global program that helps to verify the identity of an online shopper, in real time, through the shoppers use of his or her personal password or other identity data.
The payment facilitator operating regulations apply to all visa inc. Programming, data processing, and integrated systems design. In particular, the manual provides detailed requirements for allocating a merchant name to merchants. Global payments card acceptance guide is a comprehensive manual for all businesses that accept cardpresent and cardnotpresent transactions. Visa merchant data standards manual visa supplemental requirements october 2014 visa public visa merchant data standards manual about this guide b. Update mcc codes from visa merchant data standards. The visa merchant data standards manual contains requirements for merchant payment facilitatormarketplace classification, location, and. Official pci security standards council site verify pci. Mastercard merchant and processor rules and compliance programs. This guide is intended to offer advice to merchants accepting visa transactions in the card not present cnp environment. A public repository of merchant category codes mcc in formats easier to read than most places i. Additional insights related to the topic that is being covered. Merchants should ensure they are in compliance with pci sscs data security standard version 3.
Card acceptance guidelines for visa merchants visa visa. Visa merchant best practice guide for cardholder not present transactions. Security rules and procedures manual that does not have an established compliance. Any merchant that has suffered a breach that resulted in an account data compromise may be escalated to a higher validation level. A public repository of merchant category codes mcc in formats easier to read than most places. The merchant resource library contains indepth information designed to help visa merchants navigate acceptance, fraud, data security, authorisation and more. Thetrademarks,logos,tradenamesandservicemarks,whetherregisteredorunregistered collectivelythetrademarks. The payment card industry data security standard pci dss is an information security standard for organizations that handle branded credit cards from the major card schemes the pci standard is mandated by the card brands but administered by the payment card industry security standards council.
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