The team at Yorkshire Payments is delighted to announce that we have relocated to a brand new, 5,850sq. ft head office in the heart of Brighouse town centre as the business continues to grow.
If you are presented with a card that does not have Chip and PIN, be extra vigilant.
Remember: if the appearance of the card being presented or the behaviour of the person presenting the card raises suspicion, you must immediately telephone the Authorisation Centre and state “this is a code 10 authorisation”. Answer all of the operator’s questions and follow their instructions.
If the total sale is equal to or exceeds your ceiling limit and payment is offered partly by MasterCard, Visa, internationally issued Maestro or Laser and partly by cheque, cash or any other method, authorisation must be obtained for any part of the card transaction being paid with by card – even when the card amount is below your ceiling limit. The Authorisation Centre should be informed that the request for authorisation is in respect of a split sale.
They may require further details.
Note: If a transaction is above your ceiling limit, you should contact your Merchant Service provider to request an increase in your ceiling limit and not accept split payments. If you have any questions or require guidance in relation to authorisation issues, please contact your Merchant Service Centre. For security reasons your ceiling limit should never be displayed to the general public.
Accepting cards has always carried a risk and especially so when ordering goods by telephone, mail order or electronically such as over the internet. CNP transactions, including eCommerce transactions provide more opportunity for fraudsters, as the card cannot be present at the time of the purchase. Businesses that are affected by CNP and eCommerce fraud can experience costly Chargeback Disputes as well as a loss of goods or services provided. Under no circumstances should a card sale be split between two or more vouchers for the same card to avoid authorisation as these card transactions may be subject to a Chargeback Dispute.
If you have your own delivery service, you may want to consider portable terminals; please contact the Merchant Support Centre for more information
Fraudsters may offer commission to process transactions when they have not been successful in obtaining their own credit card facilities, or you may be asked to process transactions on behalf of a third party while they are waiting for their own facility. If you process transactions on behalf of any other business/person you will be liable for any Chargeback Disputes and doing so is in breach of your Terms and Conditions and will lead to termination of your agreement.
Your card transactions must not involve any card issued in:
If you are approached with a proposal to buy card transactions, you must contact your Merchant Service Provider This is a form of money laundering and is contrary to the terms of your Merchant agreement.
If you are contacted by somebody claiming to be a bank or an official business asking for transaction details of cards recently accepted for payment, please advise your Merchant Service Provider.
This is a fraud tactic to obtain card details.
A bank or any other official business would not make contact in this way to request card information. Please take care when receiving calls or visits from ‘terminal engineers’ fraudsters will attempt to gain access to your terminal or may manipulate you into processing fraudulent refunds.
Please always validate these by calling your Merchant Service Provider who can advise or investigate.
The Card Security Code (CSC) is the last three or four numbers on the signature strip on the back of the card.
For all MasterCard, Visa and some Laser cards, the code is the 3-digit number that follows directly after the card number.
On some cards, only the last 4 digits of the card number are repeated in the signature strip, followed by the 3-digit CSC.