Online credit card authorization form

An online credit card authorization form enables a business to charge a credit card one-time or for recurring purchases. Looking for a PCI Compliant authorization form meeting 2018 and 2019 standards? Read on.

Online credit card authorization form options:

Hosted pay page. The merchant directs customers to web page to pay any invoice or store card for future payment online. For maximum reduced PCI burden, send customers directly to the 3rd party payment gateway web URL. The gateway may or may not be the same as your processor. NOTE: If hosting on your own web site with an embedded payment (iframe) object, acceptable implementation methods for PCI requirements have changed;  any old forms should be updated.

Electronic Bill Presentment & Payment. (EBPP or EIPP) This is basically a proactive version of the above. Log in to a gateway web portal, and send a payment request via text or email which the customer clicks and pays. Whether integrated or standalone, we have options to include the invoice as an attachment. No login required to make a payment, but a customer portal is also included.

All the major payment gateways include a Virtual terminal, hosted pay page, and shopping cart checkout capability, tokenization to store card data for future orders. Some, including CenPOS also offer EBPP. So how do you differentiate your choices?

Critical elements online credit card authorization form:

  1. Must not be able to decrypt and view the security code and or sensitive cardholder data.
  2. If only authorizing and not capturing (settling) final amount immediately, must comply with Visa 5.8.3.1 Authorization Amount Requirements. The Merchant must use the Estimated/Initial Authorization Request indicator for the first transaction,
    then the Incremental Authorization Request indicator for interim if applicable, and Final Authorization Request indicator when closing out the transaction; the same Transaction Identifier must be included for all Authorization Requests. A reversal of extra funds must be completed within 24 hours of final settlement. These are tough questions the average salesperson probably can’t answer. Work with a professional that knows the rules.
  3. Stored cards. Are you storing cards for any type of ongoing charges?
    PCI Compliant credit card authorization form

    Partial PCI Compliant stored credential authorization form.

    Comply with Visa Rules Table 5-20: Requirements for Prepayments and Transactions Using Stored Credentials. There are too many variables to list here so I recommend downloading the rules and getting familiar or call us to save time. When capturing card data for the first time:

    • Obtain express consent per specifications for your refund and cancellation policies, how you’ll use the stored card, when your agreement expires and how the Cardholder will be notified of any changes to the agreement.
    • Perform a cardholder verification either via transaction or zero dollar authorization with the proper indicator.
    • This is a change! Two transactions occur when capturing cardholder data for the first time. Technical part can be handled by a payment gateway that supports it, but other elements are left to you.
    • Provide a stored card receipt to customer.
  4. 3-D Secure cardholder authentication. For example, Verified by Visa. Merchants register for 3-D Secure with their acquirer; always consult with the payment gateway first for instructions and to confirm they’re registered to offer service. Friendly fraud liability, “it wasn’t me, I didn’t authorize it”, shifts to the issuer and some cards with qualify for even lower rates because there is lower risk to the issuer. Because there are many parts to any transaction, including acquirer and issuer communications, plus continually changing rules, it’s possible that it will not be invoked.

Online Credit Card Authorization Forms and Qualified Rates

Most cards, except regulated debit, can qualify for multiple rates depending on how the transaction is submitted. For example, MasterCard World card rates:

Rate Name Rate Qualified Rate Reason
Standard 2.95% + $.10 Not all criteria met for another rate.
Merit I 2.05% + $.10 Key-entered or ecommerce and valid authorization + other criteria met.
Full UCAF 1.87% = $.10 Ecommerce; Cardholder authentication and other criteria met.

To qualify for UCAF, the customer must initiate payment and all the other rules must be met, which is not always easy, especially for B2B. Note, ‘ecommerce’ includes online paypage and other electronic payment channels the customer initiates.

Call Christine Speedy, PCI Council QIR certified, for Online Credit Card Authorization Forms at 954-942-0483, 9-5 ET. CenPOS authorized reseller based out of South Florida and NY. CenPOS is an integrated commerce technology platform driving innovative, omnichannel solutions tailored to meet a merchant’s market needs. Providing a single point of integration, the CenPOS platform combines payment, commerce and value-added functionality enabling merchants to transform their commerce experience, eliminate the need to manage complex integrations, reduce the burden of accepting payments and create deeper customer relationships.

Christine offers more than one solution so that you have the best for your business type and needs.

Hotel Third Party Authorization Form Alert

The best hotel third party authorization forms are fully compliant with card brand rules to mitigate chargeback risk, especially for friendly fraud, where cardholder claims they did not authorize the transaction. Fraud liability can be shifted nearly one hundred percent with best practices, plus risk of data breach from employee and other access to card data can be mitigated. Avoid the paper and digital credit card authorization form problems perpetuated by misinformation from people and incorrect internet postings.

Paper credit card authorization forms are dead.

Per Visa Core rule 5.4.2.5, October 2017, a US merchant or its agent must not Request the Card Verification Value 2 data on any paper Order Form. Update, in October 2018, the rule is now in section 5.4.3.1, Merchant Use of Account Number, Cardholder Signature, Card Verification Value 2 (CVV2), or Stored Credential.  I could go on about all the PCI compliance and data breach risk problems related to credit card authorization forms, but because only 3-D secure cardholder authentication, which requires cardholder initiate payment, shifts friendly fraud liability for card not present transactions, there’s no valid reason not to change procedures. Get the cardholder data out of the hands of employees and networks. Secure document services where sensitive cardholder data can be viewed, or decrypted and viewed, for use in another solution are not PCI Compliant.

Web-based third party authorization forms are best for card absent compliance.

More than just PCI compliance, a myriad of rules changes since 2017, and continuing into 2019, impact every hotel. Everyone must change to comply and it’s not automatic. For example, you’re getting a sales deposit, and will definitely or will possibly charge more later. There’s a new set of transaction data standards which include estimate, incremental, and final authorization. While the technical piece is handled by payment gateways, not all have made the modifications required. Additionally, some elements are left to merchants to manage.

  • Comply with Visa 5.8.3.1 Authorization Amount Requirements.  The Merchant must use the Estimated/Initial Authorization Request indicator for the first transaction,
    then the Incremental Authorization Request indicator for interim if applicable, and Final Authorization Request indicator when closing out the transaction; the same Transaction Identifier must be included for all Authorization Requests. Don’t accept an authorization online and then swipe or dip the same card later unless your card present system can tie back to the initial authorization.
  • Stored cards. Are you storing cards for ongoing charges? Comply with Visa Rules Table 5-20: Requirements for Prepayments and Transactions Using Stored Credentials. There are too many variables to list here so I recommend downloading the rules and getting familiar. Two keys when capturing card data for the first time:
    • Obtain express consent per specifications for your refund and cancellation policies, how you’ll use the stored card, when your agreement expires and how the Cardholder will be notified of any changes to the agreement.
    • Perform a cardholder verification either via transaction or zero dollar authorization with the proper indicator.
    • This is a change! Two transactions occur when capturing cardholder data for the first time. Again, technical part can be handled by a payment gateway that supports it, but other elements are left to you.

Hotel third party authorization form solutions.

Contact me for solution that works standalone or integrated with SynXis. Shift friendly fraud liability and potentially qualify transactions for better rates with your existing merchant account. That’s because non-compliance with various rules can result in higher fees.

Here’s some key elements if the initial authorization is not the final authorization. Terminology:

  • PCI compliance- short for Payment Card Industry Data Security Standards. All businesses are mandated to comply with rules which are outlined on the PCI Security Standards Council web site.
  • 3-D secure (3D Secure) is a global XML-based protocol designed to be an additional security layer for online credit and debit card transactions. Each card brand has their own version. For example, Verified by Visa. Merchants register for 3-D Secure with their acquirer; always consult with the payment gateway first for instructions and to confirm they’re registered to offer service. 3-D Secure is invoked automatically by the payment gateway which then based on issuer response may or may not prompt for additional information to authenticate the cardholder.  Friendly fraud liability, “it wasn’t me, I didn’t authorize it”, shifts to the issuer. Because there are many parts to any transaction, including acquirer and issuer communications, plus continually changing rules, it’s possible that it will not be invoked.
  • Link to Visa and all card brand Rules.

Call Christine Speedy, PCI Council QIR certified, for global sales. 954-942-0483, 9-5 ET, CenPOS authorized reseller based out of South Florida and NY. CenPOS is an integrated commerce technology platform driving innovative, omnichannel solutions tailored to meet a merchant’s market needs. Providing a single point of integration, the CenPOS platform combines payment, commerce and value-added functionality enabling merchants to transform their commerce experience, eliminate the need to manage complex integrations, reduce the burden of accepting payments and create deeper customer relationships.

Christine Speedy on Ask the Expert Panel in Boca Raton

Christine Speedy will be on the BocaJS experts panel in Boca Raton, Florida. Christine’s background in ecommerce stems from when the internet first started. With skilled coding labor shortages, Christine learned html to help get stuff done for clients which included the Miami Dolphins, Blockbuster, the Florida Marlins and many others. While leaving serious work up to the coders and integrators today, her payment checkout insights are unparalleled for PCI Compliance and card network rules compliance. Get to know the industries best experts on everything from Development, Design, IT, DevOps, Recruiting, and Learning in Boca Raton, Florida.

Cendyn Spaces, in the Atrium

980 North Federal Highway · Boca Raton, FL

About The BocaJS group

The BocaJS group is here to represent the best that South Florida can bring to the world’s best Language (Javascript). And any else web related as well! In addition to vanilla java script, we’ll be looking at frameworks such as Node, AngularJS (1, 1.5 AND 2,4,5,6,…. 7 beta? ), Ember.js, jQuery, ReactJS and Ionic. Founded in September 2014 by Adam & Hector, and Run currently by Damian Montero and Jermbo Lawson this group continues to grow and thrive. Website: BocaJS.org (https://bocajs.org/)

About Christine Speedy

Christine Speedy is a Qualified Integrator and Reseller payments professional, certified by the Payment Card Industry Security Standards Council, and authorized CenPOS Reseller. Christine is a subject matter expert on PCI compliance and card network rules compliance, offering secure cloud payment technology to businesses, transforming the commerce and customer experience. South Florida Technology Alliance member.

Christine Speedy is PCI Council QIR Certified

Christine Speedy is Qualified Integrator and Reseller certified by the Payment Card Industry Security Standards Council. QIRs are integrators and resellers specially trained by PCI Security Standards Council to address critical security controls while installing merchant payment systems. QIRs reduce merchant risk and mitigate the most common causes of payment data breaches by focusing on critical security controls.pci qir certified logo

The council changed the QIR certification requirements after my certification in an effort to reduce barriers to certification, both financially and with the depth of training. While QIR certification always was for individuals, they were tied to companies. The tie to companies has been removed so as they change jobs the certification is not disrupted. Due to this change, the PCI council recently updated the web site search navigation. My company used to be the first listing when you clicked on the QIR link. Now, the only way to find me or any other QIR certified person is to do a search.

qir certified speedy

Before PCI QIR certification requirements change.

 

PCI QIR certified christine speedy

After PCI QIR certification requirements change.

While the Visa QIR mandate is for Level 4 merchants with card present transactions, I recommend that all merchants use QIR individuals for all transaction types. There’s a false sense of security that consultants and developers are guarding merchant security, but literally every day I find problems with companies of all sizes. Level 4 merchant is defined as less than 20,000 Visa or MasterCard e-commerce transactions annually, and all other merchants processing up to 1 million Visa or MasterCard transactions annually.

The Christine Speedy difference. PCI compliance is important to mitigate data breach risk, but equally important is compliance with complicated card network rules. Have you read any of the 1,000+ pages of Visa Rules? Or 300+ Mastercard transaction processing rules? Have any of the people you rely on? I’ve spent countless hours educating myself on them and learning about the nuances that impact your profit and risk. Technology directly impacts compliance. It doesn’t matter how big or how old a company is; the reality is most players in the payments industry fall behind with every new rule that comes out, even though these rules are usually announced years in advance so that they can prepare.

Resources:

Christine Speedy, QIR certified payments professional can be reached at 954-942-0483, 9-5 ET.

GovPayNow.com Data Breach

Government Payment Service Inc., a company used by thousands of U.S. state and local governments to accept online payments, leaked over 14 million customer records, including names, addresses, phone numbers and the last four digits of the payer’s credit card. GovPayNet, doing business online as GovPayNow.com, did not leak any sensitive information, as the leak pertained to just customer credit card payment receipts, which has since been resolved.

For the full story, read it on Krebs Security https://krebsonsecurity.com/2018/09/govpaynow-com-leaks-14m-records/.