Mail / Telephone Order Merchant

The following steps should be taken to avoid additional transaction expenses and/or reduce potentially disputed sales.

• Obtain complete cardholder information (Full Name, billing address, and phone number).

• Address Verification Service (AVS) must be performed on all transactions. If a “no match” response is received, contact your customer for correct information.

• Card Verification Value II (CVV2) the additional unembossed numbers following the credit card number should also be performed.

• Promptly fulfill orders

• When shipping a product, use a shipping service that can be tracked, such as Fed Ex or UPS. Signature required upon delivery is recommended.

• Properly disclose your return policy and obtain a signature from the cardholder.

• Always obtain a proper authorization. Keep in mind, an authorization only means that at that time the credit card has an available limit to cover the purchase to your business and is not a guarantee of payment.

• Do not issue cash or check refunds against VISA®/MasterCard Transactions. Refunds may only be processed against an original sale on the same credit card.

• Close your credit card batch daily

• Be sure to comply with all requests to provide documentation relating to a sale within specified timeframes.

Bankcard Central is dedicated to servicing your merchant processing needs and is committed to doing whatever we can to protect you from any Credit Card losses.

Please feel free to call us at 800-331-8882, anytime you have questions.