Payment Service Provider Guidelines
- Surcharge. Require, through an increase in price or otherwise, any Cardholder to pay a surcharge at the time of sale or to pay any part of any charge that PWE imposes on MERCHANT. Discounts for payments in cash, however, are permitted as set forth under the Applicable Laws.
- Finance Charge. Add a finance charge to any Transaction. The sum of an instalment transaction may not exceed the total sales price of merchandise on a single-transaction basis
- Amount Limitations. Establish minimum or maximum transaction amounts except if set forth in any Applicable Laws.
- Personal Identification. Require a Cardholder to provide personal identifying information, such as a telephone number, address, or driver’s license number, as a condition of honouring any card, unless the information: (i) is needed to complete the Transaction (e.g., when an address is needed to complete a mail order transaction); or (ii) is required by a Association in connection with a particular Transaction or for authentication of Cardholder and is permitted by Applicable Laws.
- Third Party Transactions. Present sales slips for services or goods provided by others. MERCHANT may only use the services for Transactions undertaken in the ordinary course of MERCHANT’s business.
- Cash Payments / Advances. Receive any payment from a customer for charges included on any Transaction Record resulting from the use of a Card, nor receive any payment from a Cardholder to prepare or present a credit slip for the purpose of affecting a deposit to the Cardholder’s account. MERCHANT will not make a cash advance to a Cardholder, either directly or by deposit to the Cardholder’s account.
- Factoring. Present to PWE, directly or indirectly, any Transaction Record that was not a result of a Transaction between MERCHANT and the Cardholder.
- Unauthorized transactions. Present PWE with a Transaction Record that MERCHANT knows or should know is fraudulent or unauthorized by the Cardholder.
- Credits. Process a credit Transaction without having completed a previous retail Transaction with the same cardholder.
- . Non-customary transactions. Present PWE Transaction Records for Transactions outside the normal scope of MERCHANT’s business, as reflected in the MERCHANT records with PWE (e.g., the sale of travel services by a bicycle merchant). MERCHANT may not conduct mail order, telephone order, or e-commerce (Internet) Transactions unless PWE authorizes him to conduct such Transactions.
- Cardholder Information. Sell, purchase, provide, exchange, or otherwise disclose a Cardholder’s name or card number that the MERCHANT obtain as a result of a Transaction to any third party other than PWE, the MERCHANT’s agents (to assist the MERCHANT in its business), a Association, or as required by Applicable Laws. If the Cardholder’s identification is uncertain, MERCHANT must contact PWE for instructions. If PWE asks MERCHANT to recover the Card, MERCHANT must assist PWE to do so according to PWE’s instructions.
- MERCHANTs Cards. Present PWE with Transactions Records for sales involving a Card issued to MERCHANT.
- Scrip. Accept any Cards for the purchase of scrip.
- Special Conditions. Establish any special conditions for accepting a Card.
- Chargebacks. Submit a Transaction or sale that has been previously charged back.
- Split Transactions. Use two or more sales transaction receipts for a single transaction to avoid or circumvent authorization limits or monitoring programs.