American Express Merchant Reference Guide

As a globally recognized brand leader, we take our commitment seriously merchants. This guide is intended to provide information about American Express and ….

More PDF Content

american express merchant reference guide
introduction …1

  • 1.1 about American Express …2
  • 1.2 about this reference guide …2
  • 1.3 organization of the reference guide …2
  • 1.4 publishing schedule …2
  • 1.5 becoming an American Express merchant …2

doing business with American Express …3

  • 2.1 introduction …4
  • 2.2 the American Express merchant number …4
  • 2.3 merchant information …4
  • 2.4 use of third parties …4
  • 2.5 call monitoring …4
  • 2.6 compliance with the technical specifications …5

Card acceptance …7

  • 3.1 accepting the Card …8
  • 3.2 treatment of the American Express brand …8
  • 3.3 prohibited uses of the Card …9
  • 3.4 treatment of American Express Cardmember information …9

transaction processing … 11

  • 4.1 the many types of transactions …12
  • 4.2 transaction cycle …12
  • 4.3 electronic transactions …12
  • 4.4 key-entered transactions …13
  • 4.5 processing an in-person charge …13
  • 4.6 customer activated terminals …13
  • 4.7 processing a Card not present charge (general) …14
  • 4.8 processing a Card not present charge (internet) …14
  • 4.9 corporate purchasing Card charges …14
  • 4.10 delayed delivery charges …14
  • 4.11 aggregated charges …15
  • 4.12 recurring billing charges …15
  • 4.13 processing a credit …15
  • 4.14 processing prepaid Cards …15

authorization … 17

  • 5.1 introduction …18
  • 5.2 transaction cycle …18
  • 5.3 the purpose of authorization …19
  • 5.4 authorization process …19
  • 5.5 possible authorization responses …19
  • 5.6 obtaining an electronic authorization …19
  • 5.7 obtaining a voice authorization …20
  • 5.8 approval code number …20
  • 5.9 Card identification (CID) number …20
  • 5.10 authorization reversal …20
  • 5.11 authorization time limit …20
  • 5.12 floor limit …20

submission …21

  • 6.1 introduction …22
  • 6.2 transaction cycle …22
  • 6.3 purpose of submission …22
  • 6.4 submission process …23
  • 6.5 submission requirements – electronic …23
  • 6.6 submission requirements – paper …23
  • 6.7 how to submit …23

settlement …25

  • 7.1 transaction cycle …26
  • 7.2 settlement amount …26
  • 7.3 discount …26
  • 7.4 method of payment …27
  • 7.5 speed of payment plan …27
  • 7.6 payment options …27
  • 7.7 reconciliation options …27
  • 7.8 payment errors or omissions …27

protecting Cardmember information …29

  • 8.1 introduction …30
  • 8.2 data security operating policy …30
  • 8.3 standards for protection of Cardmember information …30
  • 8.4 data incident management obligations …30
  • 8.5 indemnity obligations for a data incident …31
  • 8.6 periodic validation of merchant systems …31

fraud prevention …33

  • 9.1 introduction …34
  • 9.2 transaction cycle …34
  • 9.3 strategies for deterring fraud …35
  • 9.4 Card acceptance policies …35
  • 9.5 Card security features …35
  • 9.6 recognizing suspicious activity …36
  • 9.7 fraud mitigation tools …36
  • 9.8 verification services …36

risk evaluation …37

  • 10.1 introduction …38
  • 10.2 prohibited merchants …38
  • 10.3 monitoring …38
  • 10.4 consumer protection monitoring program …38

inquiries and chargebacks …39

  • 11.1 introduction …40
  • 11.2 transaction cycle …40
  • 11.3 disputed charge process …41
  • 11.4 why a customer may dispute a charge …41
  • 11.5 deadline for responding …41
  • 11.6 minimum supporting documentation …41
  • 11.7 Cardmember re-disputes …41
  • 11.8 resubmission of disputed charge …42
  • 11.9 inquiry and chargeback monitoring …42
  • 11.10 how we chargeback …42
  • 11.11 chargeback programs …42
  • 11.12 chargeback reversals …42
  • 11.13 ways to receive inquiries and chargebacks …43
  • 11.14 response methods …43

merchant fees …45

  • 12.1 introduction …46
  • 12.2 types of fees …46
  • 12.2.1 Card acceptance discount fees …46
  • 12.2.2 authorization fees …46
  • 12.2.3 submission and settlement fees …47
  • 12.2.4 data security fees…48
  • 12.2.5 excessive dispute fee …48
  • 12.2.6 American Express Merchant Regulations fee …49

 

Download American Express Merchant Reference Guide pdf from www209.americanexpress.com, 64 pages, 3650.35KB.