A guide to what is required on your Payment Page.


Before accepting any electronic commerce transactions over the internet, you must establish a website (approved by the merchant) which clearly displays the following information:

  1. Your business trading name, which must correspond with:

  2. If the name of your website is different to your business trading name, it is especially important that your business trading name is prominently displayed so the cardholder can readily identify you as both the merchant and the name that will appear on cardholder statements.

  3. Your legal business name (if this differs to your business trading name).

  4. The physical address (including the country) of your approved place of business. A merchant that primarily operates from a personal residence must include the city, state/province, and country of its Permanent Establishment, but is not required to provide the residence address.

  5. Your business and customer service contact details must include a telephone number or email address for customer queries, along with a secondary contact detail of the following:

  6. A complete description of the goods and services available for purchase on your website with the price clearly stated.

  7. Details of your return/refund policies, cancellation policies, and other purchase terms and conditions, and a confirmation of acceptance of the terms and conditions upon customers' purchases. This can be achieved through either:

  8. Details of your delivery times for goods and services, which are to be appropriate for your type of business. (If delivery is to be delayed, the cardholder must be notified of the delay and an option provided to obtain a refund).

  9. If applicable, details of any export restrictions and legal restrictions.

  10. Payment Choice - provide the customer with a clear choice of payment brands. Visa, MasterCard, and/or UnionPay full colour logos (of equal size) to indicate card acceptance and credential on file.

  11. Card Security Code (CVV2/CVC2/CVN2) - the payment page of your website must obtain the customer's card security code value for verification. For information security purposes merchants are prohibited from storing the Card Security Code.

  12. Information Security - outline your site's security capabilities e.g. how card payment information is protected.

  13. Secure your page from potential miss use, by using ReCaptch or similar, this will mitigate any unauthorised transaction attempts.

    Please Note if payment page is not behind a login, 2FA or is not a one time link, ReCaptch is

    strongly advised.

  14. To further improve your security please talk to your account manager about implementing 3D Secure or Kount, both available as part of the Payrix Software suite.


PAYMENT WEBSITE BEST PRACTICE

Additional items that should be included on a merchant's website include:

  1. Establish a clear, concise statement of your refund and credit policy including:

  2. Customer Service Access

  3. Product Description, make sure your goods or services are accurately described on your website including:

  4. Further clarification of Delivery Policy

  5. Order fulfilment information, including:

  6. Shipping

  7. Billing Practices

  8. Develop a clear, concise statement of your privacy policy and make it available to website visitors through links on your home page. This practice may be subject to legal requirements. To allay customer concerns about providing personal data, your privacy policy should define:

  9. Additional Information Security

  10. Digital Content Policies

Ensure that all terms and conditions are clear and concise. Before a sale is conducted, you must clearly communicate any special restrictions to cardholders.