Doan Solutions | VISA / Mastercard Agreement
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VISA / Mastercard Agreement

Visa – M/C International Operating WEBSITE Requirements, e-Com and MOTO

A website operated by a merchant, sponsored merchant, Internet Payment Service Provider (IPSP), High-brand risk merchant, High-brand risk sponsored merchant or High-Risk Internet Payment Service Provider (HR IPSP) must contain:

VISA – Website requirements:

• Visa brand mark in full color to indicate Visa card acceptance, as specified in the Visa Product Brand Standards (not applicable if MOTO as no shopping cart)


• Complete description of the goods or services offered;


• Return/refund policy (see an “Electronic Commerce Merchant Refund Policy Disclosure”);


• Terms/Conditions of Customer service contact, including electronic mail address or local or internationally accessible telephone number;


• Address, phone #, contact named , including the merchant outlet country either:


– On the same screen view as the checkout screen used to present the final transaction amount


– Within the sequence of web pages the cardholder accesses during the checkout process


• Transaction currency (e.g., U.S. dollars, Canadian dollars);


• Export restrictions (if known);


• Delivery policy; (Shipping, digital or cloud)


• Consumer data privacy policy;


• Security capabilities and policy for transmission of payment card details;


• Legal restrictions (if known).

MASTERCARD Operating Regulations Requirements

Merchant. A Merchant Web site must:


Prominently display the name of the Merchant;


Prominently identify the name of the Merchant as displayed on the Web site as both the Merchant and as the name that will appear on the Cardholder statement; and


Display Merchant name information as prominently as any other information depicted on the Web site, other than images of the products or services being offered for sale.


A Merchant must ensure that the Cardholder understands that the Merchant is responsible for the Transaction, including delivery of the products (whether physical or digital) or provision of the services that are the subject of the Transaction, and for customer service and dispute resolution, all in accordance with the terms applicable to the Transaction.


If the Cardholder is linked to a Payment Facilitator’s Web site from a Sub-merchant’s Web site for payment, the name of the Payment Facilitator must appear in DE 43 (Card Acceptor Name/Location), subfield 1 (Card Acceptor Name) in conjunction with the name of the Sub-merchant. If the Cardholder accesses the Payment Facilitator’s Web site directly, and its name is visible to the Cardholder throughout Transaction from selection of goods and/or services to the completion of the checkout process, then the Payment Facilitator’s name may appear in DE 43 without the name of the Sub-merchant. For Card-present Transactions, both the Payment Facilitator name and the Sub-merchant name must appear in DE 43, unless only the name of the Payment Facilitator is known to the Cardholder.


The Acquirer must also transmit the generally accepted location, city, and country of the POI Terminal or Web site in DE 43, substantially the same as it appears on any Transaction receipt provided.

Payment Form Disclosure:

Communicate with the Customer to prevent Chargeback from their issuing bank (card issuer). Communication with customer is key to avoid any request for refund or returns.  Return all phone calls, emails and communication request within 24 hours

• Provide clearly visible Merchant contact information (Business name, address, contact info, email, website url), including, contact reference on Invoices and payment forms, Website and any purchase or service orders.

• You will want to collect Customers Card data: card type, account number, expiration date, name on card, billing address, CVV, email address for receipt


• Include Billed To info of your client, include contact address, phone #, email and Drivers License, include area for signature, date and printed name


• Include “description of services”: simple no more than 5-6 words


• Include Payment Terms with date of future transactions, amounts and a place for customer to initial next to each scheduled payment including any down payment, upfront payment or retainer of services amount or fees


• Include Refund Policy with contact info so the customer calls the merchant before contacting their issuing bank for Refund or Chargeback


• Send a payment reminder via email or text before the transactions


• Send a payment receipt of the transaction to remind of the payment and merchants customer service # to contact with questions to avoid customer calling their bank with any discrepancies


• Upon successful transactions, gather the Authorization Code from the approved transactions to be available to share in the event of a chargeback, this will help if the customer attempts to chargeback after 1 or 2 payments have been approved and cleared.