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Recommendations and requirements related to accepting payments on your website. |
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eCommerce refers to a classification of a merchant based on their transaction processing activity classified. |
All merchants
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processing
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eCommerce transactions, which includes in-app/embedded payments, must be compliant with Card Brand (Visa, MasterCard, AMEX, Discover) website disclosures
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Specific Disclosure Details Required for the following entities:
Standard Merchants
Sponsored Merchants
High-Brand Risk Merchants
High-Brand Risk Sponsored Merchants
Standard Payment Facilitators
High-Brand Risk Payment Facilitators
eCommerce Requirements
Requirement | Example | Information |
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1. Card Brand Logos |  | Each major credit card’s brand logo must be present (in full color) |
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2. Legal / Age Restrictions |
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Explanation of transaction processed (complete description of the goods or services offered)
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Enter Date of Birth: MM/DD/YYYY | If applicable, this requirement sets restrictions for:
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3. Explanation of Transaction Processed |
 | A complete description of goods or services being sold. |
4. Return/Refund policy | The requirement indicating the merchant’s refund policy, even if no refunds are accepted, it must be specified |
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5. Customer Service Contact | .png?version=1&modificationDate=1647898318404&cacheVersion=1&api=v2) | This requirement displays the contact information for customers to be able to reach a merchant regarding goodss, services, or transactions. |
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Payrix Website as an example
.png?version=1&modificationDate=1619706666326&cacheVersion=1&api=v2)
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Address of the merchant’s permanent establishment (including the merchant outlet Country (Country Code) indicating where the transaction is processed during the checkout process)
Reference the image above
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6. Address of Merchant’s Permanent Establishment | 123 Company Street .png?version=1&modificationDate=1647897351486&cacheVersion=1&api=v2) | This requirement shows the permanent address of the merchant selling the goods or service. (Must also include Country Code) |
7. Transaction Currency | USD %20(1).png?version=1&modificationDate=1647897205160&cacheVersion=1&api=v2) | This requirement must display the type of currency being used in the transaction, such as US Dollars, Canadian Dollars, etc |
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Delivery policy (if applicable)
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Consumer Data / Privacy Policy / Information Security Policy
Samples listed below of each policy
The Home Depot, Inc. Privacy and Security Statement - https://www.homedepot.com/privacy/Privacy_SecurityAmazon Privacy Notice - https://www.amazon.com/gp/help/customer/display.html?nodeId=468496&ref_=footer_privacy
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8. Delivery Policy | If applicable, the policy for the delivery of goods purchased in the transaction. | |
9. Consumer Data Privacy Policy | This requirement (which should be linked within the payment page) which discloses the merchant’s policy of the ways a party gathers, uses, discloses, and manages a customer or client's data. | |
10. Secure Checkout Policy | This requirement lists security capabilities and policies for the transmission of payment cardholder data by the Merchant. | |
11. Terms and Conditions / Terms of Service | This requirements lists all legal terms and conditions a consumer cardholder agrees to when purchasing a goods or service from a merchant. |