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visa-debit-e-commerce-merchant-acceptance-faq-and-flowchart

VIEWS: 4 PAGES: 5

									Visa® Debit
E-commerce merchant acceptance
frequently asked questions and
flowchart




May 2011                    Page 1 of 5
Table of contents


E-commerce merchant acceptance
frequently asked questions
>   I want to accept Visa Debit transactions but even though my systems and
    my acquirer systems are suitable, all authorizations get rejected.
>   Can I already accept Visa Debit Cards for Card-not-present (CNP) transactions
    from a technology standpoint?
>   How do Visa Credit and Debit products differ in a CNP environment?
>   Is Verified by Visa (VbV) required for Visa Debit?
>   Is Card Verification Value 2 (CVV2) required for Visa Debit?
>   Is the Address Verification Service (AVS) required for Visa Debit?
>   Do I need an additional drop down on the payment selection method
    of my web form for Visa Debit?
>   Will I have to change my internal systems?
>   Will my Acquirer need to make any changes if already accepting Visa Credit?
>   How do I determine if the Card Number provided is Visa Debit or Credit?
>   Are there any additional costs to accept Visa Debit?



E-commerce merchant acceptance flowchart




May 2011                                                                      Page 2 of 5
E-commerce merchant acceptance
frequently asked questions

I want to accept Visa Debit transactions but even though my systems and my acquirer
systems are suitable, all authorizations get rejected.

The 2010 introduction of the Code of Conduct for the Credit and Debit Card Industry in Canada
obligated Visa to reject all authorizations until a merchant has provided express consent to accept
these transactions. Appropriate forms can be obtained from your acquirer or directly from Visa.

Can I already accept Visa Debit Cards for Card-not-present (CNP) transactions from a
technology standpoint?

The data required for CNP acceptance of Visa Debit does not change from that already used for
Credit. The same data is required for a transaction and will be available from a Visa Debit Card.
Primarily the Card Number, Expiry Date and Card Verification Value (CVV2) will be on the card.
In some cases the cardholder name will not be present on Visa Debit cards, but the Cardholder
name is known to the Cardholder and its appearance on the card can be seen as an additional
security measure.

How do Visa Credit and Debit products differ in a CNP environment?

From a processing standpoint, Visa Credit and Debit cards are used in the same way in the
e-commerce channel, regardless of country of issuance. They require the same processing
procedures and are governed by the same rules. From a customer experience standpoint, one
fundamental difference may exist for cardholders when Canadian Visa credit and debit cards are
used in the e-commerce environment. With Visa debit, issuers may elect to follow a post-on-auth
model. Under this model, a cardholder’s account will be debited at the time of the authorization.
This differs from the current credit environment, where a reduction of available funds occurs at
the time of the authorization.

Is Verified by Visa (VbV) required for Visa Debit?

Verified by Visa (VbV) is a program designed to make shopping online more secure. VbV is
mandated for Visa Debit card Issuers and so will be available for Merchants to use if they wish.
It is not required for merchants to use this, but will require no changes to processing if already
in use from the website.

Is Card Verification Value 2 (CVV2) required for Visa Debit?

CVV2, also known as the Visa three-digit code, is the last 3 numbers on the back of Visa cards,
printed at the end of the signature panel or in a white box outside of the signature panel. The 3-digit
code is a crucial security feature on Visa cards that helps merchants validate purchases made with
Visa cards. By asking for more information to complete a Visa transaction during a phone or online
transaction, Visa helps to mitigate potential fraudulent transactions. It is required to be on the card,
and Visa always recommends the use of CVV2, however, if your existing processing does not use
CVV2, then Visa Debit will not make it a requirement to do so.




May 2011                                                                               Page 3 of 5
Is the Address Verification Service (AVS) required for Visa Debit?

AVS helps to ensure that the person making the purchase with their Visa card is the same person
who receives the Visa card’s monthly statement. By matching the billing address the Visa card issuer
has on file against the billing address provided during check-out, merchants and issuers work together
to ensure that lost or stolen Visa cards are not being used in card-not-present environments to purchase
goods or services. For cardholders, AVS means that unless the correct billing address is provided online,
mail or telephone order merchant during check-out, the transaction will not be completed which may stop
a fraudulent purchase from being made.

Where an address will be required for delivery and can also aid authentication where the Issuer validates
that address. The information currently gathered from websites is sufficient.

Do I need an additional drop down on the payment selection method of
my web form for Visa Debit?

Whilst not required, many merchants do this to encourage cardholders to understand that they accept
the product. The addition or lack of a specific drop down is not a required feature. If the dropdown,
however, explicitly states Visa Credit, there may be some cardholders who may interpret this to
mean that as a merchant, you do not accept Visa Debit.

Will I have to change my internal systems?

Visa would be happy to discuss this with you, but from the transmission of messages no changes are
required. If there are internal company settlement accounts which are, or are required to be, different
for Debit processing, then it is possible that some changes may be required.

Will my Acquirer need to make any changes if already accepting Visa Credit?

Providing your acquirer already accepts CNP transactions from you, and then there is no change
required for Visa Debit. There may be some internal processes required for an Acquirer to process
your transactions for Debit, but we would advise a conversation with your account representative,
which Visa would be happy to assist with if required.

How do I determine if the Card Number provided is Visa Debit or Credit?
Visa has enabled your acquirer to provide you with that information from an extract of a table
regularly updated by Visa.

Are there any additional costs to accept Visa Debit?

Your acquirer should be able to answer any questions about costs and processing fees required
for acceptance, but interchange for Visa Debit is lower than Credit.

Visa Canada Interchange Rates are available at visa.ca




May 2011                                                                             Page 4 of 5
E-commerce merchant acceptance flowchart




May 2011                             Page 5 of 5

								
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