A website inspection is just what it sounds like – If you take payments through your website, we’ll be inspecting your site, to look for a few specific things. Visa/MasterCard/Discover/Amex have very specific requirements for all merchant who accept credit cards online. The requirements are setup with the intention of protecting both consumers and merchants from fraudulent activity. By passing a website inspection, you’re proving to the major card-brands that your site is safe and secure. Website inspections will always occur when we open a new online-merchant account, and we’ll periodically review websites for all current merchants to ensure that they’re meeting current requirements. Scroll down to see the requirements.
- The business name displayed on the website must match the name specified on the merchant account that will appear on the customer’s credit card statement. This requirement is designed to help prevent your customer from disputing a charge because they do not recognize the name of your business or organization on their credit card or bank statement. If the name of your website is different from the name on your merchant account, you’re required to have the following statement on your payment page: “(Name on merchant account) will appear on your credit card or bank statement.”
- Terms/Conditions are posted. Download a template (.doc)
- Return/Refund policy is posted. This will be unique to your business. “No refunds” qualifies as a policy.
- Delivery policy is posted, if applicable. This describes how customers will receive their goods or tickets (ex. FedEx ground with signature required, tickets are picket up at will call, etc).
- Credit card logos or drop-down list of card types (Visa, MasterCard, etc) are displayed on page where card number is entered.
- Payment page where card number is entered is secured via Secure Sockets Layer (SSL) 128 bit encryption/1024 bit exchange minimum or 3-D Secure (VISA issued certificate – Verified by Visa). This can be verified by right-clicking on the payment page, selecting “properties” and choosing “details.” If you’re using a “Buy-it-Now” button or “Link-to-Pay” feature on your gateway, then you’re already covered. That’s because your gateway provider is handling the security of the payment page on your behalf.
- When completing an order, the cardholder is required to either “click to accept” or perform some other affirmative action.
- Business contact information must be prominently displayed on the main page, footer, or in a “Contact Us” page that’s easy for your customers to find. Required information includes your business address, contact email, and contact phone number.
Still have questions? Reach out to us at firstname.lastname@example.org for help!