• A complete description of the goods and/or services offered
  
• Business and contact information, including the business address and telephone number. The address displayed must match the physical address of the business
• Alternate contact information (including email address and fax number)
  
• The currency in which the transaction will be conducted
  
• Customer service telephone number
  
• Delivery standards, including delivery method (i.e., FedEx, UPS, USPS, etc.) and time standards (i.e., product will arrive within three business days) - see Delivery Policy
  
• Both domestic and foreign import/export shipping time standards must be included (if applicable)
  
• Merchants must disclose the business’s country of origin (i.e., United States)
  
• Card association logos must be displayed
  
• Terms and conditions, as well as export and/or legal restrictions (including for international transactions, if applicable) must be displayed on - see Terms of Use Policy
• The same screen as the checkout screen (where the total purchase amount is displayed), OR
  
• Within the sequence of web pages the cardholder accesses during the checkout process
  
• A clear and concise privacy policy - see Privacy Policy
  
• This must also disclose what information is collected, how it is tracked and with whom it is shared
• The business’s refund/return policy must be described in full detail, so that cardholders are aware of their options before purchasing the product or service - see Billing & Return Policy
  
• It must also include a “Click Here to Accept” function
• The Website's security method for the transmission of payment data (i.e., SSL Secured 128 bit)
  
• Customers must be able to review all information prior to completing the sale and have the option to cancel the sale
• Contact information for the Web hosting service must also be displayed
  
• The above information will be reviewed by Underwriting when an eCommerce application is submitted.
  

• The deal will be pended if the website does not display all of the above information
  
• Account Executives must inform their merchants who process eCommerce transactions of the above Visa/MasterCard requirements
  
• In addition to the initial underwriting review, annual reviews are required by VISA and will be conducted by the Transaction Risk Department for each eCommerce merchant
  
• Merchant will be contacted if non-compliant items are noted
  
• If not corrected, the merchant account may be subject to termination