Cardinity provides services for e-commerce businesses registered in the EU and EEA. Check the full list of supported countries. <\/p>\r\n
Cardinity allows merchants to accept payments from customers worldwide. Learn what you need to do to start selling with Cardinity here<\/a>.<\/p>" } }, {"@type": "Question", "name": "What products and services are supported?", "acceptedAnswer": { "@type": "Answer", "text": " Cardinity supports various physical goods, electronic goods and services. Cardinity does not provide credit\/debit card processing service to a particular list of business activities. Please pay your attention to our Prohibited Business List<\/a>.<\/p>" } }, {"@type": "Question", "name": "What currencies are supported?", "acceptedAnswer": { "@type": "Answer", "text": " Cardinity payment system allows vendors to accept payments in all major world currencies, except, but not limited to, those sanctioned, otherwise legally or economically restricted.<\/p>" } }, {"@type": "Question", "name": "What do I need in order to start selling?", "acceptedAnswer": { "@type": "Answer", "text": " 1. First of all, check whether your activity is not in our prohibited business list<\/a> and if your business is registered in our supported country<\/a>.<\/p>\r\n 2. Register with Cardinity by filling in an application form<\/a>. Your application will be processed and within 48 hours we will contact you to discuss your merchant account details.<\/p>\r\n 3. Your website will be reviewed to check if it meets particular requirements. We will examine the information provided in your online shop, your goods and services, pricing, all the terms and conditions, and security measures. Follow this link to learn more about website requirements<\/a>. We will also ask you to submit some relevant documents about you and your business.<\/p>\r\n 4. After your merchant account is set up and your e-shop is integrated with Cardinity, you can start selling.<\/p>" } }, {"@type": "Question", "name": "How can I integrate with the Cardinity payment gateway?", "acceptedAnswer": { "@type": "Answer", "text": " You can integrate with the Cardinity payment gateway by installing our modules for the most popular shopping carts (PrestaShop<\/strong>, Magento<\/strong>, WooCommerce<\/strong>, Drupal Commerce<\/strong>, Opencart<\/strong>, OXID Sales<\/strong>, Ubercart<\/strong>) or SDK libraries for custom e-commerce systems free of charge. You can find them together with a clear documentation on our website in the Developers<\/strong><\/a> menu. If you need assistance in integration, we are ready to help you.<\/p>" } }, {"@type": "Question", "name": "What online shopping carts work with Cardinity?", "acceptedAnswer": { "@type": "Answer", "text": " Cardinity provides easy-to-install modules<\/a> for the most popular e-commerce systems:<\/p>\r\n For custom e-commerce systems Cardinity also provides PHP, JAVA and Symfony programming libraries. In addition, Cardinity API integration<\/a> is available and well documented, allowing any e-commerce system to use Cardinity; however, some additional programming is required.<\/p>" } }, {"@type": "Question", "name": "How can I integrate my project if it is custom-made?", "acceptedAnswer": { "@type": "Answer", "text": " For custom-made systems Cardinity provides PHP<\/strong>, Java<\/strong> and Symfony<\/strong> libraries. You can find them together with a clear API<\/strong> documentation<\/a> on our website in the Developers<\/strong><\/a> menu. If you need assistance in integration, we are ready to help you.<\/p>" } }, {"@type": "Question", "name": "Does Cardinity support recurring billing?", "acceptedAnswer": { "@type": "Answer", "text": " Yes, Cardinity offers not only one-time payments but also recurring billing. It enables merchants to charge a certain amount of payment periodically (e.g. each month). It is a convenient method of paying for various subscription services (e.g. newspapers) and memberships. Recurring charges continue until the customer cancels the service or the whole sum is paid off. Learn more about recurring payments<\/a>.<\/p>" } }, {"@type": "Question", "name": "Does Cardinity provide authorization and capture?", "acceptedAnswer": { "@type": "Answer", "text": " Yes, we do provide authorization and capture. There are two types of credit card\/payment capture<\/a>:<\/p>\r\n Yes, Cardinity supports Virtual Terminal<\/a> payment service and allows Mail Order\/Telephone Order payments by credit cards. Virtual Terminal is a useful card payment processing application for merchants who accept orders by phone\/fax\/mail. Only merchants who have strong previous card processing history can be provided with MOTO terminal.<\/p>" } }, {"@type": "Question", "name": "What is 3D Secure? Does Cardinity offer 3D Secure?", "acceptedAnswer": { "@type": "Answer", "text": " Yes, Cardinity offers 3D Secure<\/a> (Verified by VISA and MasterCard SecureCode) as an additional payment security enhancing tool. 3D Secure is an authentication system for online card payments which helps to verify whether a purchaser is a genuine cardholder. 3D Secure minimizes the risk of disputed and fraudulent transactions, and enhances customer confidence in your online shop.<\/p>" } }, {"@type": "Question", "name": "How a credit card payment gets processed?", "acceptedAnswer": { "@type": "Answer", "text": " Before the customer’s payment is transferred to your merchant account<\/a>, it goes through several steps of processing. First of all, the customer’s card data entered at the checkout is sent to the payment gateway<\/a>. The payment gateway checks with the card issuing bank whether the credit\/debit card is valid; then, the card issuer authorizes the payment, and the customer receives a notification that the order is created.<\/p>" } }, {"@type": "Question", "name": "How can I refund?", "acceptedAnswer": { "@type": "Answer", "text": " In order to issue a refund, log in to your Cardinity account and click Payments List<\/strong> in the Payments<\/strong> menu. Then type the payment ID or select the payment you need in the Payment ID<\/strong> column, and click the Refund<\/strong> button. You can issue a full or partial refund, depending on the situation.<\/p>\r\n What's the difference between chargeback and refund? Learn more.<\/a><\/p>" } }, {"@type": "Question", "name": "Can a refund be cancelled?", "acceptedAnswer": { "@type": "Answer", "text": " No, refunds<\/a> cannot be cancelled. In case you need to charge the sum you have refunded to your customer, you can make a new charge.<\/p>" } }, {"@type": "Question", "name": "Why was my customer's charge declined?", "acceptedAnswer": { "@type": "Answer", "text": " A customer’s bank normally has special fraud prevention systems which can decline a charge if the provided card information is incorrect or invalid. The issuing bank examines such data as your customer’s account balance, spending habits, card expiration date, card verification value, etc. If the card information seems correct, recommend your customer contacting his\/her bank for more details of the case. In that case, you might notice a \"do not honour\" <\/em>payment error code<\/a> in your transaction list. <\/p>" } }, {"@type": "Question", "name": "What is a chargeback?", "acceptedAnswer": { "@type": "Answer", "text": " A chargeback is a payment refund officially claimed by a cardholder from his\/her bank or card issuer. Your customer may make a complaint to his\/her financial institution about the order and dispute the payment transaction. This usually leads to an immediate refund; that is why, merchants are supposed to be prepared for the risk of a chargeback. Learn more about chargebacks<\/a>.<\/p>" } }, {"@type": "Question", "name": "How does a chargeback occur?", "acceptedAnswer": { "@type": "Answer", "text": " When a cardholder wants to dispute a charge made by your online shop, he\/she may contact the bank or the card issuer. The latter asks for a reason for the chargeback and then transfers the funds back from Cardinity to the cardholder. After we receive a notification about the chargeback, we inform you of the details and withdraw the disputed funds from your Cardinity account. You can initiate a chargeback resolution process if you want to prove that the charge was valid.<\/p>\r\n There are a number of reasons for a chargeback:<\/strong><\/p>\r\n Payment card issuers charge a fee for every chargeback<\/a>. The fee is 25 EUR per chargeback.<\/p>" } }, {"@type": "Question", "name": "Can I refund a chargeback?", "acceptedAnswer": { "@type": "Answer", "text": " You cannot refund a chargeback to your customer because he\/she receives the amount of the disputed charge from the bank. Otherwise, you will return the money to your customer twice.<\/p>" } }, {"@type": "Question", "name": "How can I prevent chargebacks?", "acceptedAnswer": { "@type": "Answer", "text": " You can take the following steps in order to reduce the probability of chargebacks:<\/p>\r\n The funds are transferred from your merchant account to your bank account depending on your selected payment frequency (daily, weekly, monthly). Bear in mind that most banks process the transfer only on business days.<\/p>" } }, {"@type": "Question", "name": "How often do I get paid?", "acceptedAnswer": { "@type": "Answer", "text": " You can choose to receive your funds daily, weekly, or monthly depending on your business. After we transfer the funds, it might take a few days for them to appear in your bank account. Also, note that most banks will not process the transfer at weekends and on official holidays.<\/p>" } }, {"@type": "Question", "name": "Why is my transfer delayed?", "acceptedAnswer": { "@type": "Answer", "text": " Your transfer may be delayed if it was sent to you at the weekend or on a holiday. This might happen because most banks process the transfer only on business days. That is why you will see the funds the next day your bank is open. However, if the funds were sent on a business day, but you still do not see them within several days in your bank account, the transfer has possibly failed.<\/p>" } }, {"@type": "Question", "name": "Why do transfers fail?", "acceptedAnswer": { "@type": "Answer", "text": " Transfers usually fail in case of an issue with your bank account. There are different reasons for a transfer failure:<\/p>\r\n The recurring period depends on every merchant’s e-commerce system. You can send a request to Cardinity API every hour, every day, every month, or twice a year and charge a particular amount for goods or services. Yes, it is. You should inform your customer in advance if the payment amount is going to change. Your e-commerce system should send a request to the Cardinity terminal to charge the needed amount from your customer’s card.<\/p>" } }, {"@type": "Question", "name": "What happens if there is not enough money in a customer’s bank account?", "acceptedAnswer": { "@type": "Answer", "text": " The merchant will see the note Declined<\/em><\/strong> which means that the transaction was not completed. The merchant’s system can send the request again and try to withdraw the funds.<\/p>" } }, {"@type": "Question", "name": "My customer doesn’t have enough funds to renew recurring payments.", "acceptedAnswer": { "@type": "Answer", "text": " Cardinity does not send notifications about insufficient funds, but you can use ready-made tools or develop them yourself. The major e-commerce systems can notify merchants about new orders and payments. The detailed information about every transaction can also be found in your Cardinity account.<\/p>" } }, {"@type": "Question", "name": "Can I offer a trial?", "acceptedAnswer": { "@type": "Answer", "text": " Yes, you can. For example, you can offer your customer a free trial for 3 days. However, you are not allowed<\/strong> to charge your customer for a trial period. It is not possible to charge 3€ for the first 3 days and later increase the charge to 80€.<\/p>" } }, {"@type": "Question", "name": "What is a fraudulent transaction?", "acceptedAnswer": { "@type": "Answer", "text": " In the payments industry, fraud is an illegal usage of credit card details without the real cardholder’s knowledge. A stolen credit card\/card number is usually the cause of a fraudulent charge. Once a cardholder sees a payment transaction he did not make on his credit card statement, he\/she has the right to dispute the charge by contacting his\/her bank. The bank or credit card company conducts an investigation and returns the money to the cardholder.<\/p>" } }, {"@type": "Question", "name": "How Cardinity helps you to fight fraud?", "acceptedAnswer": { "@type": "Answer", "text": " Cardinity is a certified PCI DSS (Payment Card Industry Data Security Standards) Level 1 service provider which ensures protection of cardholder’s personal and credit card data, and security in processing card details. PCI DSS significantly reduces the risk of fraudulent transactions and other criminal activity related to card payment processing. Every card payment processing provider and online merchant must comply with PCI DSS requirements<\/a>.<\/p>\r\n Cardinity demands that each online shop should use SSL with HTTPS (HyperText Transfer Protocol Secure) in order to guarantee the highest level of data transfer security.<\/p>\r\n We also offer you 3D Secure<\/a> (Verified by VISA and MasterCard SecureCode) as an additional payment security enhancing tool. 3D Secure is an authentication system for online card payments which helps to verify whether a purchaser is a genuine cardholder. It minimizes the risk of disputed and fraudulent transactions, and enhances customer confidence in your online shop.<\/p>\r\n Learn more about our recommended fraud prevention measures<\/a>.<\/p>" } }, {"@type": "Question", "name": "What is SSL and why should I use it on my website?", "acceptedAnswer": { "@type": "Answer", "text": " SSL (Secure Sockets Layer) is a standard security technology for establishing an encrypted link between a web server and a client (a web browser). SSL is used to protect online transactions and ensure that confidential and sensitive information (e.g. credit card information, user login credentials, personal data) is encrypted and transmitted securely. In order to make your website SSL-secured, you should get an SSL Certificate from CA (Certificate Authority) and install it on your server. An SSL-secured website normally has a lock icon or a green bar, and begins with https<\/em> rather than http<\/em>.<\/p>\r\n The benefits of having SSL connection:<\/strong><\/p>\r\n As you possess the most information about your customer, you are able to identify potential fraud. There are many signals of a fraudulent activity<\/a>.<\/p>\r\n Do not disregard any indication of suspicious and fraudulent behaviour<\/a> of your customer.<\/p>" } }, {"@type": "Question", "name": "What should I do if I identify potential fraud?", "acceptedAnswer": { "@type": "Answer", "text": " First of all, request a copy of the ID and credit card from your customer in order to verify that the name on the card matches the name on the ID. If you question the legitimacy of the payment, do not ship the items and freeze the order. After the transaction is proved to be fraudulent, immediately refund the charge to the cardholder; otherwise, the legitimate cardholder may demand for a chargeback<\/a>. Make sure the 3D Secure feature is activated and works properly in order to prevent the further fraudulent activity.<\/p>" } }, {"@type": "Question", "name": "When do I receive a fraud alert?", "acceptedAnswer": { "@type": "Answer", "text": " You may receive a fraud alert in the following cases:<\/p>\r\n In case you receive a fraud alert from Cardinity, take the following steps:<\/p>\r\n Make sure you keep in touch with Cardinity during the process.<\/p>" } }, {"@type": "Question", "name": "I forgot my password. How do I reset it?", "acceptedAnswer": { "@type": "Answer", "text": " You can reset your password by contacting us by email info@cardinity.com<\/a>. Provide your username, company name and email address.<\/p>" } }, {"@type": "Question", "name": "How do I change my password?", "acceptedAnswer": { "@type": "Answer", "text": " In order to change your password, log in to your Cardinity account and click Change Password<\/strong> in My Profile<\/strong> menu. Enter your current password and your new password, and confirm it. Then click the Change<\/strong> button.<\/p>" } }, {"@type": "Question", "name": "How do I get my first transfer?", "acceptedAnswer": { "@type": "Answer", "text": " In order to transfer the funds to your bank account, you will need to provide Cardinity with your bank account details and payout frequency (daily\/weekly\/monthly). All sales have 7 days clearance period. If you have not received the funds, check whether the transfer has not failed and your bank account information is correct. Note that a transfer is not initiated if your payout does not reach a particular minimum:<\/p>\r\n You can change your bank account information by contacting us by e-mail info@cardinity.com<\/a> and sending us your new bank account details.<\/p>" } }, {"@type": "Question", "name": "Where can I find the information about the buyer?", "acceptedAnswer": { "@type": "Answer", "text": " Log in to your Cardinity account and click Payments List<\/strong> in the Payments<\/strong> menu. You will find your customers’ names in the Customer<\/strong> column.<\/p>" } }, {"@type": "Question", "name": "Where can I track my settlements? ", "acceptedAnswer": { "@type": "Answer", "text": " Log in to your Cardinity account and click Settlements<\/strong> in the Payments<\/strong> menu.<\/p>" } }, {"@type": "Question", "name": "How do I get a general report of my transactions?", "acceptedAnswer": { "@type": "Answer", "text": " In order to find your balance report, log in to your Cardinity account and click General Report<\/strong> in the Reports<\/strong> menu. After you open the General Report<\/strong>, you can select the period (Weekly, Monthly, Annually<\/strong>). You can also view your daily statistics by clicking Daily Report<\/strong> in the Reports<\/strong> menu.<\/p>" } }, {"@type": "Question", "name": "How can I download invoices?", "acceptedAnswer": { "@type": "Answer", "text": " In order to download an invoice, log in to your Cardinity account and click Settlements<\/strong> in the Payments<\/strong> menu. Select the invoice in the Invoice<\/strong> column and download PDF.<\/p>" } }, {"@type": "Question", "name": "What are the processing limits and fund reserves?", "acceptedAnswer": { "@type": "Answer", "text": " There is a limit on the amount you can accept per transaction through Cardinity. We are entitled to withhold a percentage of your funds in reserve in order to ensure that a particular amount of funds is kept and used for repayments (chargebacks), any related fees, and payments of other penalties. The percentage ranges from 0% to 10% depending on your business risk. The reserve amount is held for a particular period of time (90-180 days) after which it is paid back to you.<\/p>" } }, {"@type": "Question", "name": "Where can I see my reserve?", "acceptedAnswer": { "@type": "Answer", "text": " Log in to your Cardinity account and click Reserve<\/strong> in the Payments<\/strong> menu.<\/p>" } }, {"@type": "Question", "name": "Where can I find the release date of my reserve?", "acceptedAnswer": { "@type": "Answer", "text": " Log in to your Cardinity account and click Reserve<\/strong> in the Payments<\/strong> menu. You will find the date in the Release Date<\/strong> column.<\/p>" } }, {"@type": "Question", "name": "Why do you need my Passport and Registration Certificate?", "acceptedAnswer": { "@type": "Answer", "text": " We are responsible to other financial institutions; that is why, we need to verify the legitimacy of your business and your identity. We do not use the given information for any other purpose. We ensure the secure and responsible handling of your data. Read our Privacy Policy<\/a> to know more.<\/p>" } }, {"@type": "Question", "name": "Who is a Cardinity partner?", "acceptedAnswer": { "@type": "Answer", "text": " A Cardinity partner is any company or person who offers Cardinity to their clients (merchants) as their e-commerce card payment solution. Cardinity partners can be software developers, sales agents, or other specialists who have their ideas on how to use payment cards inventively. Learn more about our Partnership Program<\/a>.<\/p>" } }, {"@type": "Question", "name": "What is the Cardinity Partner Program?", "acceptedAnswer": { "@type": "Answer", "text": " The Cardinity Partner Program is an opportunity of cooperation between Cardinity and every partner based on flexible terms. The program helps you to earn financial rewards for referring new clients and provides other great benefits. Learn more about our Partnership Program<\/a>.<\/p>" } }, {"@type": "Question", "name": "How do I become a Cardinity partner?", "acceptedAnswer": { "@type": "Answer", "text": " If you want to become our partner, fill in our partner application form<\/a>. You can also contact us by email info@cardinity.com<\/a> to learn more.<\/p>" } }, {"@type": "Question", "name": "Does Cardinity provide any integration support?", "acceptedAnswer": { "@type": "Answer", "text": " Once you become our official partner, we will provide integration support (ready-made e-commerce plugins, Java and PHP libraries) and access to API documentation. We will be glad to answer all the questions you may have in the future.<\/p>" } }, {"@type": "Question", "name": "Payment terms", "acceptedAnswer": { "@type": "Answer", "text": " Cardinity<\/strong> Agreement<\/strong> Confidential Information<\/strong> E\u2010Commerce<\/strong> E-commerce Merchant<\/strong> Merchant Account<\/strong> Wire transfer fee Buyer<\/strong> Acquirer<\/strong> or Acquiring Bank<\/strong> Issuer<\/strong> or Issuing Bank<\/strong> Payment Gateway<\/strong> Payment Transaction<\/strong> Payment Transaction Submission<\/strong> Card Not Present (CNP) Transaction<\/strong> Recurring Transaction<\/strong> Delayed Delivery Transaction<\/strong> Transaction Settlement<\/strong> Payment Processor<\/strong> Payment Service Provider (PSP)<\/strong> Authorisation<\/strong> Credit Card Authorisation Code<\/strong> Address Verification System<\/strong> Payment (Credit\/Debit) Card<\/strong> Cardholder<\/strong> Payment Card Details<\/strong> Payment Card Organisations\/Associations<\/strong> BIN (Bank Identification Number)<\/strong> Credit Card Account Number<\/strong> Payment Card Details<\/strong> Payment Card Number<\/strong> Payment Card Verification Code<\/strong> Chargeback<\/strong> Reserve<\/strong> PCI DSS (Payment Card Industry Data Security Standard)<\/strong> Hypertext Transfer Protocol Secure (HTTPS)<\/strong> In most cases transactions are authorized successfully, but it might happen that a transaction cannot be authorized, and the customer’s card is declined by the issuing bank or the payment processor. In this case you will receive a specific error code for a transaction with a particular customer. Sometimes this code seems to be ambiguous and requires more explanation.<\/p>\r\n\r\n
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More detailed information for developers about recurring payments here<\/a>.<\/p>" } }, {"@type": "Question", "name": "Is it possible to change the recurring payment amount?", "acceptedAnswer": { "@type": "Answer", "text": "\r\n
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It is the trademark owned by Click2Sell and the system of payment card acceptance in e-commerce developed by Click2Sell.<\/p>\r\n
The agreement is concluded between the Merchant and Click2Sell on provision of payment instrument acceptance service and related services.<\/p>\r\n
Confidential information is any information known by both parties about each other during the validity of the Agreement, in particular, Click2Sell's Terms of Service, particularities, technical infrastructure, prices, a payment card holder's (buyer's) details, payment card details, content of the Agreement, negotiating positions.<\/p>\r\n
E-commerce is distance selling where the instruction to make a payment transaction using a payment card is transmitted via the Internet;<\/p>\r\n
E-commerce merchant is a person or company that sells goods or services through the internet.<\/p>\r\n
A merchant account is a user account created by Cardinity to the Merchant on Cardinity’s internal system, where the Merchant can see information regarding received transactions (approved and declined), applied fees, amount of rolling reserve, payouts made and due and other information related to processing of transactions via Cardinity’s system<\/p>\r\n
<\/strong>A wire-transfer fee is a fixed fee paid by a Merchant for each transfer of money from Cardinity to the Merchant’s bank account.<\/p>\r\n
Buyer is a cardholder or other person entitled to operate a payment card when buying the merchant's goods or services on the latter's online shop.<\/p>\r\n
It is a bank or financial institution that accepts debit or credit card transactions for a cardholder and processes them on a merchant's behalf. When a customer makes a purchase on your store with a credit card, the acquirer transfers the funds to you.<\/p>\r\n
It is a bank or financial institution that issues credit cards. When a customer makes a purchase on your store with a credit card, the issuer bills the customer's credit card.<\/p>\r\n
A payment gateway is a service that facilitates communication within banks by transmitting transaction information to Acquiring Banks and responses from Issuing Banks. Sometimes, a merchant account and payment gateway are set up in one process through the same company.<\/p>\r\n
Payment transaction is the transfer of funds initiated by a cardholder (buyer).<\/p>\r\n
It is the submission of payment card details by the Merchant to Click2Sell in accordance with the terms and conditions of the Agreement in order to accept the funds for the payment transaction made with the payment card.<\/p>\r\n
The case when a transaction is completed and the cardholder (or his or her credit card) is not physically present to hand to the seller is called CNP Transaction.<\/p>\r\n
It is a charge applied to a cardholder in predetermined intervals for services or goods of an ongoing nature (memberships, subscriptions).<\/p>\r\n
It is a transaction in which a buyer does not receive goods or services immediately at the time of purchase.<\/p>\r\n
It is the process through which a merchant receives funds for a transaction with a customer. Once a buyer purchases goods or services, his or her issuing bank sends funds to the seller's payment processor, which disperses said funds to the merchant.<\/p>\r\n
A payment processor is a company authorized to process credit card transactions between buyers and sellers.<\/p>\r\n
It is a third party that helps merchants accept and facilitate payments.<\/p>\r\n
Authorisation is a request to see whether a credit card is approved for use to complete a given purchase transaction. It is necessary to check whether a card holder's credit card holds sufficient funds and is approved to purchase from a merchant.<\/p>\r\n
This code is five or six numbers generated by an Issuing Bank, or the bank of a buyer using a Credit Card, for the purpose of validating a credit card whenever it is approved in the sale of a good or a service.<\/p>\r\n
It is a system created and maintained by Visa which was designed to prevent fraudulent activity by allowing a Merchant to verify whether a credit card's given address matches the address in the Card Issuer's system.<\/p>\r\n
It is an instrument of payment with an information-holding magnetic strip. A payment card is issued to a cardholder under the rules and regulations of credit card organisations for the use of purchasing goods and services.<\/p>\r\n
Cardholder is a person in whose name a payment card has been issued.<\/p>\r\n
The details are a card number, card verification code, expiration date, the amount of payment, full name, and address of the payment card holder.<\/p>\r\n
Such organisations are Visa International, Visa Europe, MasterCard Inc., and Maestro International which operate card payment systems.<\/p>\r\n
The first four to six digits on a credit card, which can be used to identify the Issuing Bank that issued the card.<\/p>\r\n
It is the number that uniquely identifies a specific credit card account. The first 6 digits of the number are the Bank Identification Number, identifying the Issuing Bank. The last digit is a check-digit, used to detect errors. The remaining 9 digits represent the account number assigned to the cardholder.<\/p>\r\n
The details are a card number, card verification code, expiration date, the amount of payment, full name, and address of the payment card holder.<\/p>\r\n
It is a multi\u2010digit number which is imprinted on the payment card. It designates the relevant card account.<\/p>\r\n
It is a three to four\u2010digit number imprinted on a payment card beside the card number (in the signature field on the reverse side of the card) or otherwise provided to a payment card holder.<\/p>\r\n
Chargeback is a refund of the amounts of a payment transaction officially claimed by a cardholder from his\/her bank or card issuer. This usually occurs because the customer escalated a dispute about a purchase to his or her bank for resolution.<\/p>\r\n
Reserve is the Merchant's amount of funds withheld by Click2Sell and used as the guarantee of fulfilment of the Merchant's obligations and liabilities.<\/p>\r\n
PCI DSS is a payment card data security standard created to reduce Credit Card fraud and required by payment card organisations.<\/p>\r\n
HTTPS is a communications protocol for secure communications over a computer network.<\/p>" } }, {"@type": "Question", "name": "Response codes", "acceptedAnswer": { "@type": "Answer", "text": "