If a website is well designed and easy to use, customers will return again and again and the risk of chargebacks will be greatly reduced. Therefore as part of the application we will need to see your company website. This does not need to be live on your domain and can be a BETA site, however it must be complete otherwise your merchant account application will not be approved.
Please be aware that if we think your website needs certain areas sorting, or we feel you need advice – as certain business sectors must follow specific website rules – we will say so and will not simply reject your application.
Compliance & Requirements
Please provide complete and non-expiring login information for all relevant websites submitted.
Place the corporation name and registered address on the sites, needs to be on the home page, contact us’ page, payment page, and the terms and conditions
Clearly, show the toll-free customer support numbers. Note: each website needs to have a distinct, nonconsecutive phone number.
In addition to the customer support phone number and the mailing address, the sites need to have a contact e-mail address.
Please list your Terms & Conditions on the site and include the following information:
Place of jurisdiction (needs to match the country of incorporation)
Billing model and cancellation/refund policy need to be clearly explained
The payment page needs to be SSL-encrypted for data security.
Full descriptor info (including customer support phone number) to be displayed on the payment page. For example: “Charges will appear on your statement as descriptor “800-123-4567”.
VISA and MC logos to be displayed on the home page and payment page.
Clearly, state the total charge on the payment page where the credit card details are entered. For recurring charges, please add a brief billing model description directly above the ‘Submit’ button. The offer disclosure must include the following:
Product/service being purchased
Estimated time of delivery
Length of the trial, if applicable
Initial charge amount
Subsequent charge amount
The exact timing of charges
Here is an example of an acceptable offer disclosure: “For the 14-day trial, you will be charged $3.95 today for shipping & handling of the product name. If the order is not canceled before the end of the trial period, on the 15th day, you will be charged $39.95, and the charge of $39.95 will reoccur monthly until canceled. Please expect delivery in 3-5 business days.”
No cross-sells and opt-out up-sells will be permitted. There is a limit of a single one time charge opt-in upsell per website, and the offer terms must be stated on the payment page