Country of Merchant domicile to be clearly disclosed to the cardholder immediately prior to the completion of the payment instructions.
Complete description of its goods or services e.g. if they are selling electrical goods, the merchant must state voltage requirements, which vary around the world. .
Customer service contact information, including e-mail address, telephone number and full Postal Address.
Address of the merchant’s permanent establishment, including the merchant outlet country during the checkout process.
Return, refund and cancellation policy. If a merchant has a limited or no refund policy, this must be clearly communicated to cardholders before the purchase decision is made, so as to prevent any misunderstandings and disputes.
Terms and conditions.
Delivery policy. - If applicable
Terms and conditions of a promotion, if restricted
The customer must confirm terms and conditions when placing an order on the site by ticking a box on the order screen. This is required by the Schemes if chargebacks are to be defended.
Transaction currency or currencies. It is important that the Cardholder is made aware of the transaction currency before the Cardholder proceeds with a purchase. The currency must be clearly stated, including the country name when the name of the unit of currency is not unique.
Export restrictions – if known.
Whether payment is required in advance.
How long the offer or price remain valid
Price including all taxes
Overall the website must appear legitimate – would you be confident in making a purchase from it?
Visa/Mastercard brand mark in full color to indicate Visa/MasterCard card acceptance, as specified in the Visa/MasterCard Product Brand Standards:
Legal restrictions (if known):
Complete description of the goods or services offered :
Security capabilities and policy for transmission of payment card details.
Obtain information that describes the merchant’s customer service experience, primarily how customers contact the merchant and the type of support that is that is offered (live person, automated, online support, etc.).
Ensure customer service information is clearly displayed. It is helpful to call the merchant’s customer service number and find out whether the merchant is legitimate, sells the goods and services represented in the merchant application, and is responsive to inquiries.
An email message can also be sent to verify the merchant’s email address is legitimate and actually monitored by the merchant. It is important to know the quality and timeliness of the merchant’s customer service, as high performance levels will decrease the likelihood of customer disputes and chargebacks
Verify that the merchant is the registered owner of these domains and websites by either using the WHOIS protocol (e.g., whois.icann.org)or, if the information is not disclosed, obtaining billing information from the merchant’s domain registrar.
Verifying website ownership is an important component of underwriting eCommerce merchants.
How ABSA checks WEBSITES: Compliance & Terms and Conditions Print
Modified on: Thu, 21 Sep, 2023 at 1:38 PM
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