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This section is provided by Global Payments Inc. to display statement messages on US merchant statements mailed from January 2009 through December 2009.
Statement Message – Mailed 12/8/09
Payment Application Data Security Standard (PA DSS) Mandate: Effective July 1, 2010, Visa mandates that all US merchants must use only PA DSS-compliant applications
If you are currently using a stand alone dial terminal, then PA DSS does not apply to you. However, you are still responsible ensuring that your merchant location(s) is compliant with the Payment Card Industry Data Security Standard (PCI DSS).
If you use an integrated POS software, we want to ensure that we have accurate records regarding your payment application name and version number in the event that you must upgrade to a PA DSS-compliant version or validate PCI DSS compliance prior to Visa’s July 1, 2010 deadline. Please access the following secure website and provide us with your payment application information by using the following enrollment code PADSSUPDATE by February 28, 2009: http://www.globalpay.com/pcidss/.
All merchants, both new and existing, must comply with PCI DSS. The card associations developed the PCI DSS to help strengthen data security, including at the merchant level, and combat credit card data compromises. Merchants using an integrated point-of-sale (IPOS) payment application must ensure their application version is on the PA DSS-validated list or is PA DSS-compliant. A list of PA DSS-validated payment applications can be viewed on the internet at https://www.pcisecuritystandards.org/approved_companies_providers/validated_payment_applications.php.
Although nothing can completely eliminate your exposure to the potential theft of cardholder data, ensuring your compliance with PCI DSS and PA DSS will help reduce your risk. You can access additional PCI DSS and PA DSS information and industry links at http://www.globalpaymentsinc.com/USA/customerSupport/industryInit.html
Statement Message – Mailed 11/17/09
All new and existing merchants must comply with Payment Card Industry Data Security Standard (PCI DSS). The card associations developed the PCI DSS to help strengthen data security at the merchant level and combat credit card data compromises.
Merchants with point-of-sale (POS) software systems and computers with an internet connection are at risk for having sensitive data – such as customer card data – stolen. This kind of theft from security breaches at merchant locations – both large and small – has cost merchants millions of dollars in fines, restitution, and reputation. Merchants using an integrated point-of-sale (IPOS) payment application must ensure your application is listed on the PA DSS validated list or is PA DSS compliant.
In order to ensure that you comply with PCI DSS, please complete a Self Assessment Questionnaire (SAQ), which can be located at https://www.pcisecuritystandards.org/merchants/self_assessment_form.php, or seek the assistance of a Qualified Security Assessor (QSA). Although nothing can completely eliminate your exposure to the potential theft of cardholder data, ensuring your compliance with PCI DSS will help reduce your risk.
You can access additional PCI DSS and PA DSS information and industry links at http://www.globalpaymentsinc.com/USA/customerSupport/industryInit.html
Statement Message – Mailed 10/14/09
“The debit networks Accel, Jeanie, and Maestro have announced several changes to their debit network pricing effective November 1, 2009. The changed fees are as follows:
In an effort to reduce paper consumption and promote environmentally friendly processing, Global Payments began printing merchant statements on both the front and back of the statement page.
Global Payments implemented changes to support Discover’s Japanese Credit Bureau (JCB) and Diners Club processing alliance. Effective in October 2009, merchants in the U.S. and designated U.S. territories that accept the Discover card were enabled to accept JCB and Diners Club cards under the Discover network. If you process Discover transactions with Global Payments, all JCB and Diners Club transactions are being processed at your Discover rate.
In addition, following increases announced by MasterCard and Discover to certain U.S. interchange categories effective in October 2009, some merchants saw changes to applicable pricing for non-qualifying surcharged transactions.
MasterCard and Maestro announced increases to Cross Border and U.S. Acquirer Support fees effective October 2009. These fees continue to show up as separate line items on your merchant statement.
In addition, Visa has announced a new International Acquirer fee and Discover has announced new International Processing and International Services Fees which are assessed on all transactions between a U.S. merchant and a non-U.S. cardholder. These new fees appear as separate line items on your merchant statement.
Finally, also effective November 2009, there will be separate line items on your merchant statement for the Visa Misuse of Authorization System fee, the Visa Zero Floor Limit Fee, and the Visa Zero Dollar Verification/AVS only fee, if applicable. The Visa Misuse of Authorization System Fee may include fees assessed by both Visa and Global Payments and will be assessed on authorizations that are approved but never settled with your daily batch, as these can adversely impact cardholder’s open-to-buy, leading to increased declines and confusion at the point of sale. The Visa Zero Floor Limit fee will be assessed on settled transactions that were not authorized and may include fees assessed by both Visa and Global Payments. The Visa Zero Dollar Verification fee, which will be passed through to you with no mark up, will be assessed on transactions where the merchant requested an Address Verification Service response without an authorization.
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In our continuing effort to protect cardholder data, effective November 15, 2009, Global Payments will begin masking credit/debit/EBT cardholder numbers contained in Global Access Advantage (GAA) by displaying only the last four (4) digits (XXXXXXXXXXXX1234) of the card number. To request an exception to this process, you must send Global Payments a current PCI-DSS Report of Compliance and a letter requesting access to sensitive data submitted on company letterhead and signed by an officer of the business with a justification for your request. Global Payments reserves the right to accept or reject any requests for exceptions. Please contact the GAA Help Desk @ 1-800-688-5378 for additional questions.
Statement Message – Mailed 9/11/09
Should you have any questions please contact one of our Customer Care Representatives at 800-929-1245.” In an effort to reduce paper consumption and promote environmentally friendly processing, Global Payments is now printing merchant statements on both the front and back of the statement page.
Global Payments will implement changes to support Discover’s Japanese Credit Bureau (JCB) and Diners Club processing alliance. Effective in October 2009, merchants in the U.S. and designated U.S. territories that accept the Discover card will be enabled to accept JCB and Diners Club cards under the Discover network. If you process Discover transactions with Global Payments, all JCB and Diners Club transactions will be processed at your Discover rate.
In addition, following increases announced by MasterCard and Discover to certain U.S. interchange categories effective in October 2009, some merchants may see changes to applicable pricing for non-qualifying surcharged transactions.
MasterCard and Maestro have announced increases to Cross Border and U.S. Acquirer Support fees effective October 2009. These fees will continue to show up as separate line items on your merchant statement.
In addition, Visa has announced a new International Acquirer fee and Discover has announced new International Processing and International Services Fees which will be assessed on all transactions between a U.S. merchant and a non-U.S. cardholder. These new fees will show up as separate line items on your merchant statement and Global will pass through these fees to you with no mark up.
Finally, also effective October 2009, there will be separate line items on your merchant statement for the Visa Misuse of Authorization System fee, the Visa Zero Floor Limit Fee, and the Visa Zero Dollar Verification/AVS only fee, if applicable. The Visa Misuse of Authorization System Fee may include fees assessed by both Visa and Global Payments and will be assessed on authorizations that are approved but never settled with your daily batch, as these can adversely impact cardholder’s open-to-buy, leading to increased declines and confusion at the point of sale. The Visa Zero Floor Limit fee will be assessed on settled transactions that were not authorized and may include fees assessed by both Visa and Global Payments. The Visa Zero Dollar Verification fee, which will be passed through to you with no mark up, will be assessed on transactions where the merchant requested an Address Verification Service response without an authorization.
Statement Message – Mailed 8/1/09
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Statement Message – Mailed 7/1/09
Should you have any questions please contact one of our Customer Care Representatives at 800-929-1245.”
Statement Message – Mailed 6/1/09
Effective July 2009, Visa is introducing a new Acquirer Processing Fee, which will be assessed to you on all Visa branded authorizations. This fee will appear as a separate line item on your merchant statement and may include fees assessed by Visa and Global Payments. To help offset the cost of this new fee, Global Payments will be reducing or eliminating the Visa Access Fee which has been assessed since April 2009 on Visa settled transactions.
Statement Message – Mailed 5/20/09
Effective June 1, 2009, there will be a new category for Maestro debit card transactions processed as cross-border. These transactions will be billed at the rate of 1.40% + $0.025 per transaction. Maestro cross-border transactions are those Maestro transactions in which the cardholder’s Maestro card is issued in a country other than the country in which the merchant is located. All other Maestro transactions will remain unchanged.
Should you have any questions please contact one of our Customer Care Representatives at 800-929-1245.
Statement Message – Mailed 4/16/09
Please be advised that the associations have announced certain rate increases to be effective April 2009. Effective as of the same date, merchants may see increases to certain rate categories.
In addition also effective April 2009, you will be assessed and will see a separate line item on your merchant statement for the MasterCard Network Access and Brand Usage Fee and the Visa and Discover Access Fee, which may include fees assessed by both the respective association and Global Payments.
Some merchants may also see a new minimum discount fee and, to offset our increasing expenses associated with complying with the Payment Card Industry Data Security Standard (PCI DSS), a monthly PCI compliance fee. Please see our Industry Initiatives page on our website at http://www.globalpaymentsinc.com/USA/customerSupport/industryInit.html for more information on the PCI compliance fee.
Effective June 1, 2009, the Generic rate for an unidentified debit card transaction will be increased to a rate of 0.75% + $0.19 per transaction with no maximum fee.
In addition, effective as of the same date, ACCEL has announced changes to their debit network pricing. As a result of these changes, the following new fees will take effect:
All remaining fees for ACCEL transactions remain the same.
Should you have any questions please contact one of our Customer Care Representatives at 800-929-1245.
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PIN DEBIT ADVISORY:
If you currently process pin-based (or online) debit transactions, you may be operating a Point of Sale device that will need a software upgrade or device replacement in order to continue processing such transactions. Visa and MasterCard have set a mandate effective July 1, 2010 to ensure that all installed Point of Sale terminal models have been approved and are using the most up to date encryption standards for processing debit transactions. In order to comply with the mandate, Point of Sale devices must be on the current approved list found at http://www.pcisecuritystandards.org/pin.
Our merchant services department has initiated a program to ensure all of our merchants will be able to remain compliant by facilitating a swap, purchase, or software upgrade of any non-compliant Point of Sale device(s) in use. For more information, please call 800-457-2638 option 5.
Statement Message – Mailed 3/17/09
Please be advised that the associations have announced certain rate increases to be effective April 2009. Effective as of the same date, merchants may see increases to certain rate categories.
In addition also effective April 2009, you will be assessed and will see a separate line item on your merchant statement for the MasterCard Network Access and Brand Usage Fee and the Visa and Discover Access Fee, which may include fees assessed by both the respective association and Global Payments.
Some merchants may also see a new minimum discount fee and, to offset our increasing expenses associated with complying with the Payment Card Industry Data Security Standard (PCI DSS), a monthly PCI compliance fee. Please see our Industry Initiatives page on our website at http://www.globalpaymentsinc.com/USA/customerSupport/industryInit.html for more information on the PCI compliance fee.
In addition, Interlink has announced an increase to their Retail per transaction rate. As a result of these changes, Retail merchants will now be charged 0.75% + $0.205 per transaction with no maximum fee. Interlink is also creating a new category for Petroleum Fuel. These merchants will be charged 0.70% + $0.205 per transaction with a maximum fee of $0.985 per transaction. Please contact your service provider if you have any questions.
In addition, PULSE has announced an increase to their network fees. As a result of these changes Retail merchants will now be charged a total of 0.75% + $0.18 per transaction with no maximum fee. For Grocery merchants the new fee will be a total of $0.30 per transaction. PULSE is also creating a new category for PINless Utility. These merchants will be charged a total of $0.665 per transaction. All Other PULSE PINless transactions will now be charged a total of 0.80% + $0.16 per transaction with no maximum fee. Finally, Returns will now be billed at $0.08 per transaction. Please contact your service provider if you have any questions.
Statement Message – Mailed 2/5/09
The debit network AFFN has announced several changes to their debit network pricing structures. The changed fees which are effective March 1, 2009 are as follows:
Should you have any questions please contact one of our Customer Care Representatives at 800-929-1245.
Statement Message – Mailed 1/5/09
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