Fast Charge Payment Gateway™ is excited to announce our recent certification of compliancy with Visa’s Cardholder Information Security Program (CISP). This program establishes a set of 12 requirements for safeguarding sensitive information and controlling data access. To become certified, organizations must submit to an independent security audit to verify compliance with all twelve requirements. This recognition by Visa underscores our commitment to provide the highest level of security to our merchants and their customers for their card processing needs. For information regarding CISP, refer to the VISA web site at VISA CISP and CISP REQUIREMENTS
In order to maintain compliance with Visa’s data retention requirements, the following changes are being made which affect the duration that transaction details are available in the Online Merchant Center reporting system.
Transaction detail will be retained for 24 months after the transaction was processed. After 24 months the detail will be archived offline. What this means to you is that transaction detail reports run with a date range past 24 months ago will only display detail for transactions within the last 24 months. Transaction Summary data is not affected by this change. Summary totals will reflect the correct amounts even though transaction detail is not available. Also, active recurring billing data will be retained.
Confidential cardholder data (such as the card number) will be retained for 120 days after the transaction was processed. What this means to you as a merchant is that credits must be issued on an existing transaction within 120 days of the date that the original transaction was submitted. If you wish to process a credit after the 120 day period, you will need to re-enter the cardholder information as a new transaction using Virtual Terminal.
Performing a transaction search using the full credit card number will only return results for transactions processed within the last 120 days. However, a new option will be available to search for transactions using the last four digits of the credit card number. This new search criteria will allow searches for all credit card transactions retained in the system.
A revised transaction processing agreement that includes VISA CISP requirements will be displayed when you login to the Online Merchant Center. You will be asked to accept these new terms before proceeding.
We are confident that you share our commitment to provide the most secure payment infrastructure for the processing of your customer’s confidential data. If you have any questions regarding secure payments, please contact us.
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