Interchange Plus Pricing- in 60 seconds learn if you REALLY have wholesale or tiered pricing

Credit card processing is complicated. It doesn’t matter how good your deal is if you don’t have the best base price plan to start with. Your merchant statement has the critical evidence of whether or not you are even in the game, including qualifying for low regulated debit interchange rates (Durbin Amendment, part of Dodd-Frank).

credit card processing pricing

Above image is example of one type of credit card processing rate structures.

This video uses ZOOM so it is not necessary to blow it up.

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About the author: Christine specializes in providing merchants with innovative technology to manage the cost of accepting credit cards, without changing merchant accounts.  With a primary focus on “card not present” payment processing solutions for mid-size companies, including manufacturers and wholesale distributors,  merchants improve PCI Compliance and streamline the payment experience for both their company and their customers. It’s fast, easy to use, and requires no capital investment to implement. For sales call Christine at 954-942-0483 or click here for more information.

Online Form Creator With Secure Online Payments

To convert a paper sales order form, with credit card authorization, from paper to electronic, including securely collecting an online payment, there are multiple options. This article addresses the business to business need for a quick solution to become PCI Compliant. PCI is short for PCI DSS or Payment Card Industry Data Security Standards, the mandatory standards for all merchants accepting credit cards.

virtual terminal and web payment page for law firm

Image shows example of a custom secure payment page on a law firm web site. Fully configurable for your specific needs,

How critical is the security of the data being collected? What will be done with the information after? The simplest solution is to create a quick script that collects the data and sends it to an email address. After the form is submitted, the return URL (the page that appears after the form data is submitted)  contains a link to secure pay page hosted by a third party. I like having a link on the return URL instead of immediately redirecting because it provides an opportunity to assure the payer the link is to a trusted web page.  Because the form data is not in a spreadsheet that can be imported into a database, or collected automatically in a database, some manual work will be needed after. However, don’t get hung up on this! If the current process is faxing back and forth credit card authorization forms, the entire process is already manual. At a minimum, staff will save time key entering credit card data, plus this process is more secure for business owners and their customers. Additionally, the back office for the pay page will have an export feature making it possible to import transaction information into accounting programs.

All of the above can be done with no html programming experience. There’s plenty of free and low cost options to create custom forms. I’ve personally used wufuu, jotform, Logiforms, SugarCRM forms, and custom made forms over the years. Here’s a link to form reviews.  It’s a bit dated, however, the table may help to identify what’s important to look for when choosing a form builder.

With a little bit of html work, elements of the information filled into the order form, can be transferred automatically to the matching payment fields. For budgeting outsourced help, plan on an hour for the programmer to review what to do, what URL’s to link to, and reviewing the API. Budget another hour to implement and test.

In summary, payments can be securely accepted online with an update to your web site navigation, and single line of html linked to a secure hosted pay page. This process is more secure than credit card information exposed on paper, and provides an easily retrievable record in the event of a dispute, that can occur up to 120 days later. To convert a sales order form to electronic, an online form builder is a low cost option that saves both merchants and customers time.

Disclaimer: The information above does not replace a merchants obligation to follow all rules associated with their merchant account, card acceptance guidelines and payment card industry data security standards. Many additional options

For more information about this and other solutions to streamline payment acceptance for your business to business company with card not present customer transactions, contact us.


5 Critical Tips For Accepting A Credit Card Authorization Form

Is your credit card authorization template worthless? Card absent transactions have a heavier burden of proof to prevent charge-backs, and the methods businesses use often create other risks, such as identity theft.  Here are steps to protect your business to business company.

  1. Never store CVV security code data; it’s against card association rules. Not on paper, digitally or anywhere. Stored forms containing CVV, represent substantial financial risk in the event of identity theft, and potentially even jail time for failing to protect sensitive data. Visa specifically prohibits requested the security code on paper.
  2. Fax or email the sales invoice, which must include the merchant name (matching the merchant account either as company name or dba), merchant address, merchant phone, customer bill to, customer ship to, product or service details with quantity, price and description. Add a checkbox for customer to acknowledge sale, refund and cancellation policies. Add a fill-in line with title “Cardholder Authorization” and ask them to put in the reference code. See next item.
  3. Do not ask customers to fax back a credit card authorization form. That’s right, chuck the credit card authorization fax form into the trash can. Tell customers that for security reasons, payment must made via a secure online pay page. The hosted pay page form should include fields for the cardholder name, address, email, phone, and invoice number. Additionally, have a checkbox for the cardholder to acknowledge receipt and acceptance of refund policy, cancellation policy and of the sales invoice terms. For example, I use this: “I accept the sale, cancellation and return policy and all other terms as stated on my invoice.”

    virtual terminal and web payment page for law firm

    Image shows example of a custom secure payment page on a law firm web site. Fully configurable for your specific needs,

  4. Request customers print the receipt from the online payment and the invoice. Fill in fields, sign both, and fax them back. Store the proof of delivery with the signed papers. Sending back the receipt is overkill, but if you have a fraud problem and don’t have adequate cardholder authentication like 3-D Secure, maybe it’s not for you. In lieu of signed papers via fax, customer replies via company email that acknowledge receipt of the invoice, and of the sales receipt with authorization code, can be used as proof to defend against charge-backs in future disputes.
  5. If the Cardholder address and ship to address are different, and this is not indicated on specifically on the invoice, have the cardholder send a supplemental document on letterhead (of the cardholder) that specifically states they’re authorizing shipping to a different address. For business to business, different addresses are common. Be aware that without acknowledged authorization of some sort, there is virtually no defense for sending product to an address different than the cardholder.

Another solution which facilitates future dispute protection is electronic bill presentment & payment. In this case, the merchant invoice is delivered to a customer’s company email address, and the customer clicks and pays the specific invoice securely online. This creates a paper trail of proof that terms were presented and the customer received them since they self-initiated payment tagged specifically to the invoice. Merchants may also want to create rules that transactions over a certain amount are reviewed by an internal audit team to verify if cardholder address matches the invoice.

click through landing page for secure payment from an e-invoice

click through landing page for secure payment from an e-invoice

According to a recent survey, the second highest identity theft concern of customers is credit card information on paper. Eliminate the paper to reduce risk, improve customer relations, and create efficiencies for both customers and merchants. All above are guidelines which can be modified dependent upon the risk associated with the customer. For example, new customers and recurring customers may carry different risks. Domestic customers with verifiable AVS (address verification) have lower risk than international with no AVS verification capability.

Disclaimer: The information above does not replace a merchants obligation to follow all rules associated with their merchant account, card acceptance guidelines and payment card industry data security standards.

For more information about solutions to streamline payment acceptance for your business to business company with card not present customer transactions, contact us. Call Christine Speedy, B2B payments expert, for help with PCI Compliant credit card authorization form at 954-942-0483, 9-5 ET.

What is a Visa compliant credit card authorization form?

Do you accept fax order forms from your customers? Are you a business to business company needing to store credit card data on file for recurring billing of variable amounts? The typical fax authorization form does not meet Visa requirements.

Card Acceptance Guidelines for Visa Merchants link to Visa downloads.

You won’t find a “fax authorization form” in the guidelines, however, there is much information about receipt requirements.

2012 publication Transaction Receipt Requirements are referenced on page 495 and Recurring Transactions starts on pg 585. The guidelines vary depending on whether your recurring billing order is from an ecommerce or other method.

Sample of a receipt for a sale from a stored card transaction:

recurring sale receipt compliant

A fax order form for a one time purchase should comply with the  standard receipt requirements. The invoice detail is generally accepted on  a separate page for B2B; the invoice number should be on the receipt.

A recurring billing order form should comply with the recurring rules and standard receipt requirements.

Chargeback prevention tips for business to business, card not present:

  • Deliver a receipt via email to the cardholder immediately upon charging the card. If there is going to be a dispute, resolve the issue quickly.
  • Send an invoice detail.
  • Use EBPP.  If you send an electronic invoice to the cardholder and they click and pay, it’s pretty hard to dispute someone else ordered the items.
  • Bill to and ship to addresses should match unless you have something in writing from the cardholder that they authorize shipping to another address.
  • Get a signed recurring billing authorization form if you’re storing card data.
  • Make sure your receipts have ‘recurring’ or ‘repeat sale’ for recurring billing.
Sample of stored card data authorization to pay form, replacing a fax form.

Fax authorization form compliant

There are too many variables to address all the options for a compliant fax authorization form in this article. For PCI DSS compliance, we recommend you replace all traditional forms with exposed credit card or check data with one that references tokens, an alpha numeric string that replaces the card data and is useless outside your payment processing system, even if stolen.

CenPOS is a universal payment processing platform that provides efficiencies for merchants and their customers, reduces PCI DSS compliance burden, and many other benefits.


Contact Christine Speedy, 3D Merchant Services for all questions. Click here to become a CenPOS referral partner.  Click here to become a customer or call the hotline at the top of this web page.