This topic presents the mandatory URL requirements and regulations according to the international credit card association in the following areas:
E-Commerce
Website Compliance Items
| Item | Description |
|---|---|
| Terms & Conditions | Separate page to be dedicated for T&C. |
| Privacy Policy | Separate page to be dedicated for privacy policy. |
| Contact Us/Customer Support | “Contact Us” page should display legal name, address and registration number of the company and contact information for customer service support. The customer service contact information can be an e-mail address or telephone number. ** In case of international delivery of goods and services both local and internationally, an accessible telephone number must be provided. |
| Refund/Cancellation Policy | Explanation on your cancellation and refund policy for the end-user. |
| Delivery policy and export restrictions | Explanation on your shipment terms and export restrictions |
| Description of the products and services | Products prices, currencies and membership packages must be clearly described |
| Ownership Statement | “The website (www.siteaddress) is owned and operated by (EU company name, address)”. The company’s location should also be displayed on the checkout page or the pages prior the checkout page. |
| Email Receipt | Please send us an example of the e-mail receipt that is sent to the end-user upon deposit. The email receipt should be printed and sent with the delivered merchandise as well. |
| Recurring Billing | Subscription plan must not be for more than one year OR if so, recurring transactions must be processed at fixed, regular intervals (not to exceed one year between Transactions). In case the customer is re-billed automatically: 1. At the time of enrollment, merchants must require the cardholder to expressly consent to entering an ongoing subscription service for recurring payments; The rebill payment terms and conditions must be mentioned on the payment page in a separate link and should include the amount of the recurring transaction and the date of recurring transaction; 2. The merchant must send electronic notification 7 days before they are re-billed, with the amount charged; 3. The e-mail receipt must state “recurring transaction” and the frequency of the recurring billing and length of any trial period. 4. The e-mail receipt should include a clear disclosure that the cardholder will be charged unless the cardholder takes steps to cancel any subsequent transactions. A link or other simple mechanism to enable the cardholder to easily cancel the membership, including cases of expired trial period or any other changes in the nature of the recurring agreement. 5. The merchant must send an electronic copy (i.e., email or SMS/text, if agreed with the cardholder) of the terms and conditions of the subscription service to the cardholder, even if no amount was due at the time. The electronic confirmation must include: • Confirmation that the cardholder has agreed to a subscription, unless the cardholder cancels. • The start date of the subscription. • Details of the goods/services. • Ongoing transaction amount and billing frequency/date. • Link or other simple mechanism to enable the cardholder to easily cancel any the membership The Merchant must provide notification to the Cardholder of any change in the Transaction amount or any other terms of the agreement at least 2 working days before the change. |
| Free/Discount trial promotion | - Website should clearly disclose the terms and conditions of the free trial promotion, including: Clear disclosure the cardholder will be charged unless the cardholder expressly cancels before the trial period expires. - Ensure cardholders are notified via email shortly before the trial period ends - The date or time period after which any charges will commence - Clear and simple steps to be taken by the cardholder to cancel the transaction prior to the end of the trial period - Clear instructions and policy for returning products and obtaining refunds |
| Domain ownership proof | Domain should be owned or related to the company. “Who Is” lookup is performed during onboarding. |
| Digital Merchant Logo Requirement | Nuvei recommends to its merchants to share their digital business logo at Mastercard logo microsite https://logo.ethoca.com. Benefits of this include increased brand presence, improved customer experience with billing and dispute resolution, and reduced level of fraud and chargebacks. |
Mandatory Parameters on Payment Page
| Item | Description |
|---|---|
| Mandatory Fields | First name, last name, name on card, phone, email, address + state (only US and CANADA), city, country, zip, cvv2 (with an explanation), credit card expiration date. |
| Descriptor (what the end user sees on his CC bill) | Displayed clearly as: "The charge will appear on your bill as (descriptor and CS contact details)" |
| Company address (location) | The country of the merchant’s location should be clearly displayed on the payment page or the pages prior the checkout page. |
| Credit Card Logos | Credit card logos displayed clearly on payment page. |
| Transaction Security | Valid SSL encryption on the payment page. |
| Amount and rebill | Amount, currency and rebill payment must be clearly displayed on the payment page. |
Gaming
Website Compliance Items
| Item | Description |
|---|---|
| Age Restriction (above 18) | Should be clearly displayed. |
| Legal restrictions | Notice is displayed before requesting a Cardholder's account number, stating that internet gambling may not be lawful in some jurisdictions, including the United States; that it is the Cardholder's responsibility to know the laws concerning online gambling in his or her country of domicile; and suggesting that the Cardholder check whether internet gambling is lawful under Applicable Law; Statement to show : “Internet Gambling may be illegal in the jurisdiction in which you are located; if so, you are not authorized to use your payment card to complete this transaction". |
| Terms & Conditions | Separate page to be dedicated for T&C. |
| Privacy Policy | Separate page to be dedicated for privacy policy. |
| Forex License | The specification of the forex license details should be added to the website |
| Contact Us/Customer Support | “Contact Us” page should display legal name, address and registration number of the company and contact information for customer service support. The customer service contact information can be an e-mail address or telephone number. ** In case of international delivery of goods and services both local and internationally, an accessible telephone number must be provided |
| Refund/Cancellation Policy | Explanation on your cancellation and refund policy for the end-user. |
| Description of the products and services | Prices and currencies must be clearly described on website |
| Ownership Statement | “The website (www.siteaddress) is owned and operated by (EU company name, address)”. The company’s location should also be displayed on the checkout page or the pages prior the checkout page. |
| URL domain ownership | Domain should be owned or related to the company. “Who Is” lookup is performed during onboarding. |
| Digital Merchant Logo Requirement | Nuvei recommends to its merchants to share their digital business logo at Mastercard logo microsite https://logo.ethoca.com. Benefits of this include increased brand presence, improved customer experience with billing and dispute resolution, and reduced level of fraud and chargebacks. |
Mandatory Parameters on Payment Page
| Item | Description |
|---|---|
| Mandatory Fields | First name, last name, name on card, phone, email, address + state (only US and CANADA), city, country, zip, cvv2 (with an explanation), credit card expiration date. |
| Descriptor (what the end user sees on his CC bill) | Displayed clearly as: "The charge will appear on your bill as (descriptor and CS contact details)" |
| Company address (location) | The country of the merchant’s location should be clearly displayed on the payment page or the pages prior the checkout page. |
| Credit Card Logos | Credit card logos displayed clearly on payment page. |
| Transaction Security | Valid SSL encryption on the payment page. |
| Amount and rebill | Amount, currency and rebill payment must be clearly displayed on the payment page. |
FOREX
Website Compliance Items
| Item | Description |
|---|---|
| Terms & Conditions | Separate page to be dedicated for T&C. |
| Privacy Policy | Separate page to be dedicated for privacy policy. |
| Legal restrictions | Notice is displayed before requesting a cardholder's account number stating the risk of substantial loss associated with Trading Forex and/or CFDs and/or other financial instruments offered on the website. |
| Gambling License and Software | The specification of the gambling license/software details, rules of play (owning company and jurisdiction), should be added to the website, this could be under “About Us”, or “Terms and Conditions”, etc… |
| Contact Us/Customer Support | “Contact Us” page should display legal name, address and registration number of the company and contact information for customer service support. The customer service contact information can be an e-mail address or telephone number. ** In case of international delivery of goods and services both local and internationally, an accessible telephone number must be provided. |
| Refund/Cancellation Policy | Explanation on your cancellation and refund policy for the end-user. |
| Description of the goods and services | Prices and currencies must be clearly described on website |
| Ownership Statement | “The website (www.siteaddress) is owned and operated by (EU company name, address)”. The company’s location should also be displayed on the checkout page or the pages prior the checkout page. |
| URL domain ownership | Domain should be owned or related to the company. “Who Is” lookup is performed during onboarding. |
| Digital Merchant Logo Requirement | Nuvei recommends to its merchants to share their digital business logo at Mastercard logo microsite https://logo.ethoca.com. Benefits of this include increased brand presence, improved customer experience with billing and dispute resolution, and reduced level of fraud and chargebacks. |
Mandatory Parameters on Payment Page
| Item | Description |
|---|---|
| Mandatory Fields | First name, last name, name on card, phone, email, address + state (only US and CANADA), city, country, zip, cvv2 (with an explanation), credit card expiration date. |
| Descriptor (what the end user sees on his CC bill) | Displayed clearly as: "The charge will appear on your bill as (descriptor and CS contact details)" |
| Company address (location) | The country of the merchant’s location should be clearly displayed on the payment page or the pages prior the checkout page. |
| Credit Card Logos | Credit card logos displayed clearly on payment page. |
| Transaction Security | Valid SSL encryption on the payment page. |
| Amount and rebill | Amount, currency and rebill payment must be clearly displayed on the payment page. |
Transaction Parameter
| Item | Description |
|---|---|
| Additional information required when sending a transaction | Each transaction should be sent with User ID (the Identification of the end user as defined by merchant admin) and IP address (of consumer/end user). In case of more than one URL, the website URL should also be included. |
Last modified August 2024