Merchant Services Resource Center
Looking for help? You've come to the right place. Here you'll find guides, forms and resources to help you collect payments for your small business.
Guides and Best Practices
|eCommerce Risk Mgmt Guidelines||Tips for managing risk when accepting payments online|
|Card Present Best Practices||Best practices for face to face transactions|
|Card Not Present Best Practices||Best practices for non face to face transactions|
|Preventing Employee Fraud||Preventing fraud in the workplace|
|Card Acceptance Best Practices||Best practices for accepting electronic payments|
|Payment Card Industry Data Security Standard||PCI DSS Requirements|
|Visa® Payment Application Best Practices||Best practices for Visa Payment Application|
|Card Acceptance Guidelines for Visa Merchants||Visa guidelines for accepting payments|
|Chargeback Management Guidelines for Visa Merchants||How to identify, respond, manage and prevent chargebacks|
|Unembossed Visa Card Acceptance Guidelines||Guidelines on accepting unembossed Visa cards|
|Chargeback Prevention Overview||How to prevent chargebacks|
|AVS Response Codes Reference Guide||Address Verification Service -- Zip code match for hand key transactions|
Questionnaires and Other Resources
Self Assessment Questionnaire (SAQ) Instructions (PDF) Instructions and guidelines for selecting and completing the appropriate PCI Data Security Standard (DSS) SAQ
SAQ A (PDF) For merchants who do not store, process or transmit electronic cardholder data
SAQ B (PDF) For merchants who use imprint machines or stand-alone dial-out terminals and who do not store electronic cardholder data
SAQ C (PDF) For merchants who use the online payment application, but do not store electronic cardholder data
SAQ C, Virtual Terminal (PDF) For merchants that use a virtual terminal and do not store electronic cardholder data
SAQ D (PDF) For all other merchants and service providers required to complete the SAQ
Merchant Attestation of Compliance Form (PDF) For all other merchants and service providers required to complete the SAQ
PCI DSS Glossary (PDF) This document provides definitions of the terms used in the Self Assessment Questionnaire and PCI Data Security Standard documents
Contact a Merchant Services expert to arrange a free consultation or call 1-800-348-4025.
Payment Card Industry Data Security Standard
When customers offer their bank card at the point of sale, over the internet, on the phone, or through the mail, they want assurance that their account information is safe. The Cardholder Information Security Program (CISP) is intended to protect cardholder data – wherever it resides – ensuring that members, merchants, and service providers maintain the highest information security standard. In 2004, the CISP requirements were incorporated into an industry standard known as the Payment Card Industry (PCI) Data Security Standard (DSS). Following is a summary of the PCI DSS which must be followed by all merchants:
Visa® and MasterCard are committed to ensuring the safety and security of their payment systems and cardholder's confidence in shopping with payment cards. The appropriate Payment Card Industry Self Assessment Questionnaire must be completed annually by any merchant that captures, transmits or stores credit and debit card data. Completed questionnaires can be faxed to Merchant Risk Management at 207-753-3398. Please contact Customer Service at 800-348-4025 with any questions on completing this form.
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