Website Requirements for Online Credit Card Payment Processing Services

Merchants that run business operations over the internet and do their credit card processing on their very own websites are required by their payment processors to design their websites in such a fashion that ensures compliance with a all of the online credit card payment processing requirements. These requirements are designed to guarantee that the merchant does ensure that its customers' personal account information is sufficiently well protected and that any disputes and possible chargebacks are kept to the absolute possible minimum.

E-Commerce Website Requirements

At a bare minimum, commercial websites must give visitors the following details:

• A complete description of products and / or services. People must be given as accurate a description of the merchandise and / or services you are offering as possible. Bear in mind that if visitors find out the actual merchandise is different in any way from the description given on your website, she is very likely to send it back.
• Detailed email and phone contact information. Consumers must be provided a customer service phone number and an email address, not just one of them or the other. All telephone calls need to be answered by a live employee quickly and not answered by an automated service. Many problems can be very quickly resolved by a quite short conversation.
• Return, refund and cancellation policies. All of these policies must be clearly posted on your website and you must require all customers to agree to all of them by clicking on an "Agree" or "Accept" button before making a payment.
• Shipping and delivery policies. Businesses and non-profits need to offer with these policies details on all applicable shipping, handling and delivery fees and how long it takes for a delivery to be made. If your business procedures place any kind of restrictions on shipping merchandise to any given country or region, list all of them here.
• Payment currency disclosure. Bear in mind that the online commerce market is actually the whole world. Customers should not be expected to know what the business's home country is, which is where online credit card payment processing is done. This is why the home currency in which all payments will be processed must be plainly listed.
• Home country disclosure. For all the reasons I have just mentioned above, the business's country of origin must be plainly listed.
• Export country limitations. Any limitations on exports to any countries that are relevant to your products should be displayed here.
• Privacy disclosure statement. Every e-commerce website needs to provide a privacy disclosure statement. There is any number of resources all over the web that you can use for a model in designing yours.
• Disclosure on when credit card payments are applied. Customers must be told when the amount of the product they bought will appear on their account's monthly statement. Businesses must not deposit transactions amounts prior to shipping the item.