eCommerce Disclosure Requirements Best Practices
Defines the requirements related to accepting payments on your website put in place by the card brands.
This page covers the disclosure requirements set by the card brands (Visa, MasterCard, AMEX, Discover) that apply to all merchants processing eCommerce transactions. eCommerce transactions include all in-app and embedded payments.
This page includes a table that defines each of the requirements and a sample web page that shows the implementation of each of the requirements. These requirements apply to the following entities that accept payments in apps or on websites:
Standard Merchants
Sponsored Merchants
High-Brand Risk Merchants
High-Brand Risk Sponsored Merchants
Standard Payment Facilitators
High-Brand Risk Payment Facilitators
eCommerce Requirements
The table below defines the requirements set by the card brands:
Requirement | Example | Information |
---|---|---|
1. Card Brand Logos | ![]() | Each major credit card’s brand logo must be present (in full color) |
2. Legal / Age Restrictions | Enter Date of Birth: MM/DD/YYYY | If applicable, this requirement sets restrictions for:
|
3. Explanation of Transaction Processed |
![]() | A complete description of goods or services being sold. |
4. Return/Refund policy | Shown as a sample | The requirement indicating the merchant’s refund policy, even if no refunds are accepted, it must be specified. |
5. Customer Service Contact | ![]() | This requirement displays the contact information for customers to be able to reach a merchant regarding goods, services, or transactions. |
6. Address of Merchant’s Permanent Establishment | 123 Company Street ![]() | This requirement shows the permanent address of the merchant selling the goods or service. The address must also include the Country Code. |
7. Transaction Currency | USD ![]() | This requirement must display the type of currency being used in the transaction, such as US Dollars (USD), Canadian Dollars (CAD), etc. |
8. Secure Checkout Icon | ![]() | This requirement displays a padlock icon within the URL bar that shows online secure checkout compliance requirements are met and can provide cardholders proof of privacy and security while processing credit card and personal data. |
9. Web ACH Authorization | Single Transactions Screen 1: To pay your (Company Name and type of bill), enter amount and click the PAY button Amount: $____________________
Screen 2: I authorize XXXXXX to initiate [a single or XXX recurring] ACH/electronic debit[s] to my account in the amount of $XXX.XX from [can specify either “bank account on record” if account information is retained once it is entered, or provide a space for the entry of account information: checking or savings account, Depository Name, Routing Number and Account Number] on XXXXXX (date and/or frequency of debits).
I agree that ACH transactions I authorize comply with all applicable law.
[PAY BUTTON] Multiple, Recurring and Pre-Scheduled Transactions IF THE PAYMENT IS SCHEDULED IN ADVANCE, OR THE AUTHORIZATION IS FOR RECURRING DEBITS, INCLUDE THE FOLLOWING: I understand that this authorization will remain in full force and effect until I notify XXXXXX [insert manner of revocation, i.e. in writing, by phone, location, address, etc.] that I wish to revoke this authorization. I understand that XXXXXX requires at least [x days/weeks] prior notice in order to cancel this authorization. Payments made after X:XX P.M. eastern time will be applied as of the next business day. To complete the payment process, click the “authorize” button. Once payment is authorized, there cannot be any changes or corrections. I agree that ACH transactions I authorize comply with all applicable law. | This requirement displays an authorization being made by the cardholder to process the transaction using ACH payment methods for a merchant to process the transaction meeting E-Sign Act requirements. |
10. Delivery Policy | Shown as a sample | If applicable, the policy for the delivery of goods purchased in the transaction. |
11. Consumer Data Privacy Policy | Shown as a sample | This requirement (which should be linked within the payment page) which discloses the merchant’s policy of the ways a party gathers, uses, discloses, and manages a customer or client's data. |
12. Secure Checkout Policy | Home Depot Secure Checkout Policy Shown as a sample | This requirement lists security capabilities and policies for the transmission of payment cardholder data by the Merchant. |
13. Terms and Conditions / Terms of Service | Payrix partner’s can satisfy this specific requirement in one of two ways:
| This requirements lists all legal terms and conditions a consumer cardholder agrees to when purchasing a goods or service from a merchant. |
eCommerce Example Page
Below you’ll see an example of eCommerce requirements being met within the test merchant’s page.
![](../__attachments/22501326903/EventConnect%20Discover4.png?inst-v=0ddc2d53-a548-4624-9646-d52b510a0ee7)