Hotel credit card authorization rules compliance fact check

Identify if your hotel is compliant with authorization rules impacting profits and risk in just a few minutes. Card absent rules for card acceptance changed dramatically since April 2017, and in particular for the hotel and lodging industry. Rather than detail the complexities from over one thousand pages of official card acceptance rules, here’s some easy ways to identify if you have a problem.

Any of these fees on merchant statement indicate authorization problems needing correction:

  • Misuse of authorization
  • Standard / STD (any)
  • EIRF
  • Data rate I, (any) i.e. Corporate Data Rate I
  • Chargeback reason: FRAUD TRANS-NO CARDHOLDR AUTHORIZATION
  • Chargeback reason: Compliance

All bullet items have avoidable penalty fees due to authorization issues. Any time that happens, you pay penalty merchant fees and risk chargeback. Even if you usually win chargebacks, it’s an inefficient use of time. This quick fact check is just a tiny piece of rules changes I’ll help you get compliant with.

MasterCard began charging a 0.25% penalty fee, on top of other fees, in 2018 for non-compliance with Final Authorization.

How can merchants fix authorization problems? Transaction management technology, including for managing authorizations. Most problems are due to payment gateway limitations, but could also be outdated or improper payment gateway integration, or some specific piece of software limiting payment gateway functionality. Payment gateways often struggle just like merchants to keep up with the fast pace of changes in payment processing, so while the solution still works, it’s just not helping merchants to maximize profits and minimize risk.

Our suite of cloud commerce solutions solves authorization and data breach risk from credit card authorization form problems:

1.       Sales invoices, deposit needed. Sales can push out deposit request via text or email; customer self-pays, authenticates identity, and stores card (if needed). This is a much more professional interaction. Nobody likes paper credit card authorization forms due to risk of identity theft.

2.      Direct bill accounts. With our quick invoicing, accounting can upload an invoice and we take over the delivery, payment collection, security, authentication etc.

3.     Third party authorization form. Forget the paper. Our online form checks all the boxes you need to get compliant with card acceptance rules, protect against fraud, reduce PCI Compliance scope, and mitigate data breach risk.

Available as SynXis integrated solution or standalone. Keep your current Point of Sale service provider. Our solutions fix problems that haven’t been addressed for a decade- getting cardholder data out of the hands of employees and systems while shifting fraud liability risk to issuers. Plus, our optional 2-Way texting is a game changer for Guest Services, concierge, and sales.

Still not sure?

  • Quick and easy to get started.
  • No capital investment.
  • Proven to boost customer satisfaction via follow up surveys and increased sales.
  • Differentiate your brand with higher security.
  • Highest PCI compliance security certifications
  • GDPR compliant
  • Since the issuer is guarantees payment with cardholder authentication, it’s actually cheaper to process some credit cards!

What are you waiting for?

Call Christine Speedy, PCI Council QIR certified, for hotel Online Credit Card Authorization Form solutions 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 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.

Are You Compliant? B2B Credit Card Processing Fact Check

Merchant compliance with various credit card processing rules maximizes profits while mitigating risk. This is especially true for business to business companies. But that task is getting harder and harder with the onslaught of new rules, and virtually impossible if not using a sophisticated cloud solution to help manage compliance.

b2b visa stored credentialIf your B2B company stores credit cards, there’s a pretty good chance you’re not compliant. For example, Visa’s 2017 Stored Credential Transaction framework (PDF download from Visa) outlines merchant responsibilities to obtain customer consent as well as storing credit cards, using stored credentials (token), and managing stored tokens. Failure to comply with Authorization rules, for example preauthorization and final settlement do not match, has far-reaching consequences including higher interchange rates (the bulk of credit card processing fees), penalty fees and new chargeback risks. With so many new rules across multiple card brands that vary based on business and transaction type how can a business quickly ascertain if they’re compliant?

Quick tips to validate compliance:

  1. Is cardholder authentication performed when a new card is stored? When the cardholder data is entered and submitted, the issuer responds with an approval or declined message. A small charge is not an acceptable practice to submit transaction for approval; instead a zero dollar authorization request for authentication is submitted. If authentication is via 3-D Secure -Verified by Visa, MasterCard Secure Code, whereby the customer self-authenticates vs merchant initiating, reduced rates may apply. Under the new rules, two transactions occur at the time a card is stored. Compliant answer is yes.
  2. Is a transaction receipt delivered to customer when you store a credit card? This will be either for an amount or a zero dollar authorization. When stored credit card credential (token) is created, a transaction receipt is generated with the approval or decline and other mandatory fields. Compliant answer is yes.
  3. Does the receipt include “RECURRING” or “REPEAT SALE” for token transactions? Compliant answer is yes.
  4. Review merchant statements, usually the last 1-2 pages with the heading “pending interchange” or “fees” section. Do you see EIRF, STANDARD (STD), or DATA RATE I? Compliant answer is no.
  5. Can you produce documentation of customer consent to store their card (including with 3rd party service) and how it will be used?

If you’re not in compliance, your payment gateway is the most likely culprit, followed by ERP or other software integration limitation. I can fix that.

Reference: Links for all Card brands.

Need help getting compliant?

Call Christine Speedy, , for simple solutions to complex payment transaction problems, 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.

ACH eCheck and Online Payments Solution

Do you need eCheck services due to mail service disruption from recent disasters like Hurricane Irma and Harvey? Or do you just want to boost cash flow and get paid faster? Online payment solutions are quick, easy, and relatively cheap to implement. Using a third party solution vs bank can be cheaper and provides flexibility to change financial services partners without creating customer friction.

Why use a hosted pay page to accept eChecks?

A payment gateway hosted pay page enables customers to passively pay bills online 24/7 via a secure web page. Payment types may include credit cards, Paypal, ACH (echeck), wire and other methods. Because it’s hosted by a 3rd party PCI level 1 certified service provider, PCI Compliance burden is reduced for merchants that want to accept more than eChecks.

online payments echeckA hosted pay page empowers customers to make secure payments online.

Hosted Pay Page Implementation options:

  1. Direct customers to 3rd party payment gateway custom URL- no change to business web site needed. Just email or text the link.
  2. Link from business web site to 3rd party payment gateway custom URL by updating. Html and pay now graphical button available.
  3. Embed the secure payment object on business web site via iframe html. Customers never leave merchant web site, and even though payment is accepted on the 3rd party web site, an SSL certificate is strongly recommended.

There are other ways to collect ACH and eCheck payments remotely, including our alternative service that enables businesses to push out payment requests via via email or text. This method is proven to increase loyalty as well as reduce time to collect payment and is available for an additional fee. It’s available both integrated or standalone.

eCheck Hosted Pay Page Vendor Selection:

The two key methods to process eChecks are FTP direct to the business bank and 3rd party check processor (Web Payments). With FTP, money is in the bank account when the batch is delivered. With traditional eCheck services money is delivered typically in 2-3 business days. In either case, a payment gateway or technology solution secures the data transmission and facilitates compliance with eCheck processing rules.

Vendor selection checklist- which do you need and which would be nice?

  • ACH with guarantee
  • ACH, no guarantee needed
  • Tokenization for quick repeat payments (no need to enter banking info each time, just select the account)
  • Accounting integration
  • Hosted pay page
  • Other payment types supported
  • Text payment request capability
  • Email payment request capability
  • Hosted pay page (only, no text or email)

Managing Costs with Online Payments:

If you’re just accepting eChecks, you’ll be surprised at just how cheap the service is. If also accepting credit cards, the hosted payment solution selected directly impacts the cost of credit card processing. For example, our solution with Smart Rate Selector automatically optimizes the transaction to qualify for the lowest rate. Compliance with rules are complex and few payment gateways have a solution to comply with every situation. With the right implementation, the cost of card not present transactions are often exactly the same as card present, and can be lower than if employees key enter transactions into a virtual terminal.

Free Hosted Pay Page Info:

  • Quick and easy to set up
  • Optional customer registration to store payment data for repeat purchases
  • Echeck / ACH directly to your bank overnight in most cases
  • Optional ACH with guarantee additional fee
  • If applicable, works with your existing merchant services account
  • Month to month service

Christine Speedy, CenPOS authorized reseller, 954-942-0483 is based out of South Florida and NY. CenPOS is a merchant-centric, end-to-end payments engine that drives enterprise-class solutions for businesses, saving them time and money, while improving their customer engagement. CenPOS secure, cloud-based solution optimizes acceptance for all payment types across multiple channels without disrupting the merchant’s banking relationships.

B2B Donations Checkout Solution: Accept Donations Anywhere

Collect charitable donations for your favorite causes wherever your customers pay with our simple donations checkout solution for all sales channels and payment types. Fully compliant with credit card processing rules, such as producing a receipt that lists the subtotal sale of goods and services, a separate line for the donation, and a total for the complete amount.

  • Employees don’t ask- customers never feel uncomfortable. The system automates the donation process via each sales channel. For example, if it’s an e-invoice or hosted pay page, the customer sees a donations field to add an amount if desired.
  • Easy to adopt- Works with multiple accounting, software and financial partners such as First Data.
  • Activate, deactivate and change the beneficiary on demand. You’re in control.

We’re helping your business help others. The donations service is included at no additional cost with our standard services.

Christine Speedy, 954-942-0483, specializes in enterprise-class solutions for businesses, saving them time and money, while improving their customer engagement. Secure, cloud-based solutions optimize acceptance for all payment types across multiple channels without disrupting merchant banking relationships.