UNITED BANK CARD VOICE AUTHORIZATION CENTERS

TABLE OF CONTENTS
TOPIC
1. INTRODUCTION
2. UNITED BANK CARD – YOUR PAYMENT PROCESSOR
3. UNITED BANK CARD’S RESPONSIBILITIES
4. MERCHANT’S RESPONSIBILITIES
5. UNDERSTANDING THE TRANSACTION PROCESS
Authorizations
Settlement
Funding
6. ACCEPTING CREDIT CARDS FOR PAYMENT
What Not To Do
When Not To Accept a Credit Card
Transaction Authorization
Tips for Swiping the Card
Response Codes
Confirming Account Numbers
Signed Sales Draft and Signature Verification
Voice Authorization/Code 10
Manual Imprint
7. MANUAL/KEY ENTERED TRANSACTIONS
Mail and Telephone Order Guidelines and Risks
E-Commerce Information, Guidelines and Risks
8. DEBIT AND EBT ACCEPTANCE PROCEDURES
Pin-Pads and Encryption
PIN Number Security
Cashback and Surcharges
Electronic Benefits Transfer (EBT) Information and Procedures
9. REFUNDS AND EXCHANGES
10. OPERATING GUIDELINES
Reconciliation of the Statement and Deposits
Cardholder Privacy
Risk Parameters
Honoring Cards and Display of Signage
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UNITED BANK CARD PAYMENT PROCESSING MANUAL