At Holy Cross Hospital, technicians discovered that Emergency room employee Natashi Orr, 36, had printed basic computerized forms in patient files containing name, address, birth date, diagnosis and other details, officials said. Raushanah Bowleg, 33, Opa-locka, did the same on his job at an Aventura physician office.

At another hospital, the intake process requires all data be entered in the computer directly, and an electronic signature is captured. Yet to accept payment, the cashier walks to another area, out of view from the consumer, and next to a copier.  During this time the card could have been skimmed for the magnetic data or a copy made of the card, both posing considerable risk of identity theft.

While the latter situation has not resulted in a data compromise to my knowledge, the situation is equally dangerous.

3D Merchant Services has a payment processing solution with enhanced features created specifically for hospitals and medical billing companies. Here are a few highlights:

- User level security. Modify, add, and delete users and their permission levels for processing payments for phone/mail and in person. Combined with alerts and other features, prevent internal and external fraud.
- Tokenization. Would you like to re-bill a customer on their initial payment method? Set up recurring billing? Without storing their credit card data? Create a secure token to enable repeat billing. Even if stolen, the tokens are worthless.
- Least cost routing – Attach a signature capture terminal to your PC’s and eliminate human errors that create costly interchange (95% of your payment processing cost) downgrades, plus dynamically determines least cost method to process.

- Reporting. The number one reason CFO’s cite as the reason for implementing immediately. From downloadable financial data to dynamically created graphic reports that quickly show risk mitigation and treasury reports by organization or location, solution delivers what you want, when you want it.
There is no other technology on the market positively impacting compliance, costs, and fraud like this, which is why 98% of organizations that see a demo implement it.

Our solution can be integrated with traditional medical billing and intake systems. The technology platform sits in front of the existing processor.

See also related articles  virtual terminal for medical billing solutions providers and Red Flags Rule for Identity Theft Prevention Programs.

The complete current Official Visa chargeback rules and reason codes are available for PDF download. A few of the most common codes are listed here as well.

Visa Chargeback Reason Code 60: Request Copy Illegible or Invalid

EDITORS NOTE: This is a tough one for most retailers to defend because they cannot go back in their files and find the receipt, or they have a copy on carbonless paper that has also become illigible with age.  Our CenPOS technology solution with signature capture retrieval provides instant access to the records you need to defend this type of chargeback. Additionally, with right processing solution, you can also manage all chargebacks from a simple control panel.

Reason Code 75: Cardholder Does Not Recognize Transaction

A lot of times this results from a dba name not being on the record.

Reason Code 57: Fraudulent Multiple Transactions

This chargeback does not apply to recurring payments or to mail order, telephone order, or Internet transactions.

Cashier mistakes are a common cause. Again, this can be eliminated with CenPOS technology for larger operations.

Chargeback Reason Code 81: Fraudulent Transaction Card-Present Environment

You can easily defend this with a signed receipt. Again, CenPOS payment processing platform with Signature Capture puts signed receipts at your fingertips.

Rules for Visa Merchants and chargeback reason codes