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Important Reminder:

Card Brand Mandates

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Important Reminder: Card Brand Mandates
Please read this notice in its entirety.

At Abacus Business Solutions, we aim to provide the highest standards of customer care and continually demonstrate our commitment to you. Part of our commitment is to assist you with compliance issues that may affect your business. Two major credit card brands, Discover® and MasterCard,® have issued mandates that go into effect November 1, 2011. The purpose of this eAlert is to help you understand these mandates. These mandates are not related to the Payment Card Industry Data Security Standard (PCI DSS). Rather, they are good-for-business mandates that are being required by these card brands with the objective of having a positive impact on your customers. We recommend you take the necessary steps to ensure that your Aloha POS system can support these mandates as soon as possible, as failure to support them may result in additional charges from your bank.


Summary of the card brand mandates:

MasterCard
Requires reversal (voids) of credit and debit card authorizations to be processed immediately. This ensures there are no delays for customers regaining access to their funds when a sale is not completed.

Requires partial authorization support for prepaid credit and debit cards. A prepaid card is a major brand card (e.g. MC, American Express, Visa) that can be purchased at the grocery store or other retail location. Currently, prepaid cards may be declined if the amount requested for authorization is higher than the amount available on the card.

Discover
Recommends that you enter the Card Identification Number (CID) for transactions where the credit card number is manually entered. The CID is a three-digit security code printed on the back of the card. Requiring the entry of this code helps validate the legitimacy of the card, thus reducing fraud.


What is required to support these mandates?
Several factors determine what you need to do to support these mandates, such as whether you accept PIN debit. In all cases, an upgrade to Aloha EDC v7.0 is required, and you may also require an upgrade of the Aloha POS version in use.


What should you do?
1. At your earliest opportunity, contact your processor representative to determine the enforcement time schedule and any fees that may be associated with non-compliance to the mandates.
2. Contact our office so that we can conduct a needs assessment of your site to determine what you need to do to be compliant with the mandates.

Additional Information
For more information please see:
Card Brand Mandates
Card Brand Mandates FAQ

If you have any questions, or need our assistance, please call 727-524-0177 Option 3. Thank you and we wish you continued success.