Security and Compliance
Security
Risk management is an important component in the acceptance of electronic payments. Risk management includes protecting your business and protecting your customers. NPC and the Card Associations (American Express, Discover, MasterCard, Visa) can help you manage that risk.
Check out the details provided by the Card Associations regarding risk management and fraud prevention.
American Express fraud reduction guidelines
Discover fraud security
MasterCard tools for security success
VISA fraud control basics
NPC_-_Merchants_with_FNBO_as_sponsor_-_ Retrieval_Request_&_Chargeback_Guide.pdf
FACTA Notice
Recently, there has been heightened activity around merchant’s compliance with the terms of the Fair and Accurate Credit Transactions Act (FACTA), state laws, and other industry regulations regarding the protection of cardholder data and the removal of the expiration date from electronically printed receipts. NPC would like to take this opportunity to remind you of the compliance requirements imposed on merchants by FACTA.
What is the Fair and Accurate Credit Transactions Act (FACTA)?
FACTA is a federal law that states that "no person that accepts credit cards or debit cards for the transaction of business shall print more than the last 5 digits of the card number or the expiration date upon any receipt provided to the cardholder at the point of sale or transaction." 15 U.S.C 1681(c)(g).
It is every merchant's responsibility to understand and comply with FACTA, and, in general, to protect the customer's cardholder information. In addition, your business may be subject to other state laws that impact the information you may print on receipts. It is a good business practice to check the laws of your state to determine if you are compliant.
Where can I go for more information on FACTA?
General information on FACTA can be found on the internet:
If you believe your receipts are not compliant with FACTA, please call your local representative. If you do not have a local representative, call NPC Technical Support at (888) 108-7231, option 1.
Ask your sales representative or our Merchant Services group for information on managing risk and preventing fraud.
For more information on risk management, visit:
American Express Fraud Prevention
MasterCard Risk Management
Visa Risk Management
Branding
Merchant websites and businesses can carry the branding and service marks of the cards that they accept. To get additional information about using the Card Association branding, you can check the Card Association's websites.
You can download service marks and requirements from these links.
American Express acceptance marks
Discover acceptance marks
MasterCard brand and acceptance marks
Visa branding information
More information on PCI Compliance
Contact Us
Data contained on this page is for informational purposes only and is based on the latest information available to us. NPC cannot and does not endorse nor warrant completeness or accuracy of data provided by other websites.