Operating Guide - MerchantConnect
Operating GuideJuly 2020
Operating GuideOG2020/07Table of ContentsCHAPTER 1. ABOUT YOUR CARD PROGRAM . 1About Transaction Processing . 1General Operating Guidelines . 2CHAPTER 2. PROCESSING TRANSACTIONS. 4Company Compliance . 4Transaction Processing Procedures . 6Authorization . 7Settling Daily Transactions . 9Settlement (Paying Company for Transactions) . 10Transaction Processing Restrictions . 11Processing Credit (Return and exchage) Transactions . 12Transaction Receipts . 12Processing Card Not Present Transactions . 14Additional Requirements Applicable to Debit Card, PIN-Authorized Debit Card and Prepaid CardTransactions . 18Additional Requirements Applicable to PIN-Authorized Debit Card Transactions . 19Special Requirements Applicable to Internet PIN-Based Card Transactions . 22EBT Transactions . 23Other Transaction Types . 23PCI Compliance Program . 27CHAPTER 3. PREVENTING CARD FRAUD . 29Identifying Suspicious Customer Actions . 29Identifying Suspicious Card Not Present Transactions . 30Identifying Valid Cards . 30Identifying Suspicious Employee Actions . 33Factoring . 33CHAPTER 4. CODE 10 PROCEDURES. 34Code 10 Authorization Numbers . 34What to Do with an Unauthorized Card . 34CHAPTER 5. RETRIEVAL REQUESTS AND CHARGEBACKS . 36Notification of Retrieval Requests and Chargebacks . 36Retrieval Requests . 37Chargebacks . 37Excessive Activity . 39CHAPTER 6. INTERNATIONAL TRANSACTIONS. 40Dynamic Currency Conversion Transactions . 40Company Responsibilities and Restrictions . 40DCC Written Disclosure Requirements . 40Dcc Transaction Receipt Requirements . 41Mail Order (MO) Transactions . 41Electronic Commerce Transactions . 42Priority/Express Check-Out Transactions (Limited T&E Situations) . 42Multi-Currency Conversion . 42i
Operating GuideOG2020/07CHAPTER 7. PIN-LESS BILL PAYMENT TRANSACTIONS . 43CHAPTER 8. NO SIGNATURE/PIN REQUIRED TRANSACTIONS . 46CHAPTER 9. WIRELESS SERVICE TRANSACTIONS . 47CHAPTER 10. STAND-IN/STORE AND FORWARD APPLICATION TRANSACTIONS . 49CHAPTER 11. VEHICLE RENTAL OR LEASING AUTHORIZATION PROCEDURES. 50Preparation of Transaction Receipts . 50Vehicle Rental or Leasing Ancillary Charges . 51CHAPTER 12. LODGING ACCOMMODATIONS AUTHORIZATION PROCEDURES . 52Preparation of Transaction Receipts . 52Lodging Accommodations Ancillary Charges . 53Lodging Reservation Service . 54Lodging Pre-Payment/Advance Deposit . 55Priority/Express Check-Out Services . 57CHAPTER 13. PETROLEUM SERVICES . 59Provisions Applicable to All Petroleum Services . 59Company’s Obligations for Smartlink Services . 60Voyager Card Acceptance. 61Wright Express Card Acceptance . 61Private Label Card Acceptance . 62CHAPTER 14. CONVENIENCE FEE, SURCHARGE, AND GOVERNMENT/ PUBLIC INSTITUTION SERVICE FEEREQUIREMENTS . 63Terms Applicable to Convenience Fees, Surcharges, and Government/Public Institution Service Fees . 63Convenience Fees . 65Government/Public Institution Service Fees . 65CHAPTER 15. GATEWAY SERVICES . 68Gateway Services and Functionality . 68Gateway Services General Terms And Conditions. 69CHAPTER 16. CONVERGE SERVICES . 73Use of Converge Services . 73Additional Terms Applicable to Converge Services . 73Terms Applicable to Converge Tokenization Services . 75CHAPTER 17. SAFE-T INSTANT TOKENIZATION SERVICES . 76CHAPTER 18. ELECTRONIC GIFT CARD (EGC) SERVICES . 78EGC Processing Services . 78Websuite Services . 79Processing Electronic Gift Card Transactions . 80ii
Operating GuideOG2020/07CHAPTER 19. FANFARE LOYALTY AND GIFT CARD SERVICES . 82Fanfare-Related Definitions. 82General Features and Requirements . 83Fanfare Loyalty Services . 85Fanfare Gift Card Services . 89CHAPTER 20. PAYMENT NAVIGATOR SERVICES . 92Provisions Applicable to the Payment Navigator Services . 92Healthcare Administration Services . 94CHAPTER 21. TRANSEND PAY SERVICES . 95CHAPTER 22. BILL PAYMENT SERVICES. 97General Provisions Applicable to the Paycentric Bill Pay Services . 97Payment Device Service Provisions . 99ECS and ACH Provisions . 100General Provisions Applicable to the Biller Direct Services . 101Payment Card Service Provisions . 103ECS and ACH Provisions . 104CHAPTER 23. 3D SECURE 2.0 SERVICES . 1053DS Definitions . 105General Provisions . 105CHAPTER 24. SERVICES IN CANADA . 107Interac Online Services . 112Chip and Pin Transactions . 113CHAPTER 25. SERVICES IN PUERTO RICO . 114IVU (Impuesto De Venta y Uso) Program . 116CHAPTER 26. CONNECTIVITY EQUIPMENT LOCATION TERMS . 118CHAPTER 27. EQUIPMENT . 120Limited Warranty Terms for Purchased Terminals/PIN Pads . 120Provisions Applicable to Apple, Inc. Equipment . 120Provisions Applicable to Rental Equipment. 120CHAPTER 28. DIGITAL WALLETS . 122CHAPTER 29. PAYPAL ACCEPTANCE . 124CHAPTER 30. LEVEL III DATA . 125CHAPTER 31. AMERICAN EXPRESS ACCEPTANCE PROGRAMS (OPTBLUE AND PUBLIC SECTOR) . 127General Terms . 127Additional Terms Applicable to the OptBlue Program . 128Additional Terms Applicable to the Public Sector Program . 128iii
Operating GuideOG2020/07CHAPTER 32. ADDITIONAL RESOURCES . 129Payment Network Company Information . 129PCI Data Security Standards Information . 129APPENDIX A: GLOSSARY . 130iv
Operating GuideOG2020/07CHAPTER 1.ABOUT YOUR CARD PROGRAMThank you for choosing Elavon. This Operating Guide contains instructions for processing card transactions withElavon and minimizing the risk of fraud to your business as well as responsibilities related to Company’s receipt ofother Elavon services.Please familiarize yourself with this Operating Guide, as you are the first line of defense against fraud. Failure tocomply with this Operating Guide may result in financial loss to your business.Throughout this guide, terms that have specific meaning to the payments industry are noted with initiallycapitalized letters (e.g., Credit Card, Card Present Transactions). If you are not familiar with these terms, refer toAppendix A, Glossary for definitions.Payments Insider and Merchant ConnectPayments Insider is an online customer portal, located at www.mypaymentsinsider.com, that provides a Companywith access to account information, statements, and payments activity. It supports delivery of Settlement,Chargeback, adjustment and additional reporting via an online tool for viewing and exporting, as well as access toadditional customer support. Payments Insider can help streamline daily reconciliation of Company Transactionsand answer questions about point-of-sale equipment, and it provides an overview of products and services thatElavon can provide. Company can go to the account section of Payments Insider to order supplies necessary tocomplete Card Transactions. Payments Insider also hosts the latest version of the Terms of Service and OperatingGuide. For those Companies that do not currently have access to Payments Insider, MerchantConnect, an onlinereporting system located at www.merchantconnect.com, includes much of the information and functionality ofPayments Insider.ABOUT TRANSACTION PROCESSINGTo accept Credit Cards, Debit Cards or other Cards for payment, you process the Transactions through a POSDevice or with point-of-sale software. A group of Transactions is called a Batch, and the pro
Operating Guide OG2020/07 3 Security Program Compliance: You, and any third party vendors that you use, must comply with all applicable requirements of the Payment Card Industry (PCI) Data Security Standard. Data Compromise: Notify Elavon immediately (within twenty-four (24) hours), if you know or suspect that Cardholder information has been
8 Credit Card: A Credit Card is issued by a financial institution or other Credit Card company (called the Issuer) that extends a line of credit to its Cardholder. Visa and MasterCard Credit Cards are issued by banks (often referred to as “Bank Cards”), while
Dynamic Currency Conversion (DCC) allows foreign MasterCard and Visa cardholders in the U.S. to have their purchases instantly converted at checkout into their local currency. The U.S. dollar amount, conversion rate, and local currency amount are all shown on the receipt. Foreign Currencies Supported Dynamic Currency Conversion currently .
the Services selected by Company in the Company Application. The TOS is part of the Agreement and the signature by an authorized representative of the Company on the Company Application, will be the Company's acceptance of the terms and conditions contained in the Agreement. No strikeover of the preprinted text of the TOS will be effective.
1.1 Operating System Functionality The operating system controls the machine It is common to draw the following picture to show the place of the operating system: application operating system hardware user This is a misleading picture, because applications mostly execute machine instruc-tions that do not go through the operating system.
– their Operating Models – also need to evolve. Digital Operating Model What we mean by Digital Operating Model (DOM) is operating model for a digital world, and it replaces Capgemini’s previous operating model methodology. The DOM methodology represents an evolution of our existing practice. It has been built upon Capgemini’s global
2. Standard Operation Procedure for Receiving of Pharmaceutical products 3. Standard Operating Procedure for Dispatch and Transport 4. Standard Operating Procedure for Inventory 5. Standard Operating Procedure for Cleaning 6. Standard Operating Procedure for Self-inspection 7. Standard operating
Key words and phrases: operating system design, real time operating system, layered operating system, software architecture, and process communication. CR Categories: 3.80, 3.83, 4.35. i. INTRODUCTION The Modular Operating System for SUMC (MOSS) is a general purpose real time operating
the ASTM D 4255/D 4255M The standard test method for in-plane shear properties of polymer matrix composite materials by the rail shear method. For the latter, however, a modified design of the three-rail shear test, as proposed by the authors in Ref. 22 is used. The authors have already modelled the nonlinear shear stress–strain behavior of a glass fibre-reinforced epoxy, by performing [þ .
