VISA® Announces Two Optional Enhancements for '09

From The Visa Business Review October 2008, Issue No. 081007

The 2009 Visa® Disclosure Program Kit is now available to order and includes
two new Visa travel-related optional enhancements, Trip Delay Reimbursement and Trip Cancellation/ Trip Interruption. No insurance-based changes have been made to Visa benefits disclosures, although Guide to Benefits disclosure copy has been updated for 2009 with information such as effective dates and form numbers. Issuers disclosing benefits to cardholders should use the most current language available. Disclosure requirements remain the same as last year and can be summarized in four categories:

• Disclosure required for new, first-time cards, when a new
  insurance benefit is being added or when there is a material change in
  any existing insurance benefit.
• Statement notification or disclosure required when insurance benefits
  are being discontinued.
• No disclosure or action required for insurance benefits that are not changing
• E-disclosure option. Issuers may also send disclosures to cardholders electronically, either in an e-mail or electronic newsletter

Two New Optional
Enhancement Disclosures for 2009

Trip Delay Reimbursement provides enrolled cardholders and eligible family members up to $300 per purchased ticket for reasonable expenses if their covered trip is delayed for more than 12 hours, provided the full travel fare has been charged to their covered card. The delay must be caused by a covered hazard.

Trip Cancellation/Trip Interruption provides reimbursement for the cost of the scheduled airline passenger fare for a covered trip in the event that the trip must be canceled or interrupted due to a covered reason.

To enroll in Trip Delay Reimbursement and/or Trip Cancellation/Trip Interruption, issuers should contact Visa Enhancement Services at (800) 261-3511. For more information, Email visaenhancements@visa.com or contact your Visa Account Executive. Call (888) 847-2242 to speak with a Visa subject matter expert.

Global Transport™- QuickBooks® Pro Plug-In

As a premier provider of payment processing services, it is
critical that Global Payments offer a broad array of feature-rich solutions by continually developing new products to maintain its competitive advantage in the merchant marketplace. We are proud to announce the launch of The Global Transport™ –QuickBooks® Pro Plug-In.

The Global Transport™ – QuickBooks® Pro Plug-In is a pointof-sale (POS) software that integrates with the QuickBooks Pro software application. This product, coupled with the Global Transport™ – Client, offers a versatile, simple, and low-cost payment solution to merchants of all sizes using QuickBooks Pro to process Credit, Debit, and EBT transactions with Global Payments. The Global Transport™ – QuickBooks®
Plug-In works with QuickBooks Pro, Premier, or PremierRetail Edition 2005-2008 software made by Intuit®

This product is the ideal solution for merchants who use QuickBooks software
in their retail, mail-order/telephone order, or Internet business. Merchants
will have access to a complete set of transaction, signature capture, and
reporting services.

For More Information on Global Transport™ Quickbooks® Pro Plug-In, please contact your Global Payments Sales Rep for a Data Sheet.

Get information about all of Global Payments’ products and services for your business.
Call 800-828-7889 or visit www.globalpaymentsinc.com today.

One of the most important functions of any merchant is to provide their customers a secure environment in which payments are processed for goods and services. As the Payment Industry's rules and regulations continue to change, it becomes necessary for merchants to incorporate new security measures into their business. The act of becoming compliant with industry standards is a key component to the success of any business where card payments are processed.

Introducing PA-DSS
In an effort to ensure that payment application providers and the software products they sell are subject to consistent data security standards, the Payment Card Industry
Security Standards Council (PCI SSC) has added a new standard for payment
application software, known as the Payment Application Data Security Standard (PA-DSS). As your merchant advocate, we are pleased to provide you with answers to common questions about PA-DSS.

What is PA-DSS?
PA-DSS is a comprehensive set of requirements designed to help software vendors, Value Added Resellers (VARs) and others develop secure payment applications that do not store prohibited data (e.g. full magnetic stripe, CVV2 or PIN data) and ensure their payment applications support compliance with the PCI DSS.

What types of payment applications are
subject to the PA-DSS requirements?
Payment applications (e.g. POS software, e-commerceshopping carts and web-based payment applications) that are sold, distributed or licensed to third parties (not payment applications that are developed in-house) are subject to the PA-DSS requirements.

Who should be compliant to PA-DSS?
All merchants and service providers that store, process, or transmit cardholder data must comply with PA-DSS. Cardholder data security is a requirement of processing payment cards, thus it is important that you work closely with your third party vendors, to ensure you are using a PA-DSS validated payment application. Please note that currently the use of a non-compliant payment application could expose your organization to a potential data compromise, fines and/or penalties. Even in the absence of a cardholder data compromise, failure to comply by July 2010 will result in penalties imposed by the card networks.

For more information about PA-DSS contact Global Payments' Compliance Team at
cdn.pcicompliance@globalpay.com or visit
https://www.pcisecuritystandards.org/security_standards/index.php