This page covers the disclosure requirements set by the card brands (Visa, MasterCard, AMEX, Discover) that apply to all merchants processing eCommerce transactions. eCommerce transactions include all in-app and embedded payments.
This page includes a table that defines each of the requirements and a sample web page that shows the implementation of each of the requirements. These requirements apply to the following entities that accept payments in apps or on websites:
Standard Merchants
Sponsored Merchants
High-Brand Risk Merchants
High-Brand Risk Sponsored Merchants
Standard Payment Facilitators
High-Brand Risk Payment Facilitators
eCommerce Requirements
The table below defines the requirements set by the card brands:
Requirement | Example | Information |
|---|---|---|
1. Card Brand Logos |  | Each major credit card’s brand logo must be present (in full color) |
2. Legal / Age Restrictions | Enter Date of Birth: MM/DD/YYYY | If applicable, this requirement sets restrictions for:
|
3. Explanation of Transaction Processed |
 | A complete description of goods or services being sold. |
4. Return/Refund policy | Shown as a sample | The requirement indicating the merchant’s refund policy, even if no refunds are accepted, it must be specified. |
5. Customer Service Contact | .png?version=1&modificationDate=1647898318404&cacheVersion=1&api=v2&width=442&height=92) | This requirement displays the contact information for customers to be able to reach a merchant regarding godss, services, or transactions. |
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. The address must also include the 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. |
8. Delivery Policy | Shown as a sample | If applicable, the policy for the delivery of goods purchased in the transaction. |
9. Consumer Data Privacy Policy | Shown as a sample | 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 | Home Depot Secure Checkout Policy Shown as a sample | This requirement lists security capabilities and policies for the transmission of payment cardholder data by the Merchant. |
11. Terms and Conditions / Terms of Service | Shown as a sample | This requirements lists all legal terms and conditions a consumer cardholder agrees to when purchasing a goods or service from a merchant. |
eCommerce Example Page
Below you’ll see an example of eCommerce requirements being met within the test merchant’s page.
