American Express Merchant Reference Guide Canada August 2010

We are pleased to provide the American Express Merchant Reference Guide – Canada. This guide describes in general the American Express standard policies and procedures for Card acceptance

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American Express Merchant Reference Guide Canada August 2010
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
4.15 processing travellers / gift cheques…16
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…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
inquiries and chargebacks…39
11.1 introduction…40
11.2 transaction cycle…40
11.3 disputed charge process…41
11.4 why a Cardmember 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 how we chargeback…42
11.10 chargeback reversals…42
11.11 ways to receive inquiries and chargebacks…42
11.12 response methods…42
merchant fees…43
12.1 introduction…44
12.2 types of fees…44
12.2.1 Card acceptance discount fees…44
12.2.2 authorization fees…44
12.2.3 submission and settlement fees…45
12.2.4 data security fees…45
glossary…47

Download American Express Merchant Reference Guide Canada August 2010 pdf from secure.cmax.americanexpress.com, 60 pages, 2520.49KB.