TD MOBILE POS MERCHANT GUIDE
Financial Transactions
3
16
Protecting Cardholder
Privacy
As a merchant, you have a responsibility to protect your
customers from possible credit card fraud by maintaining
the confidentiality of their personal information. The
industry requires that merchants protect card holder’s
account and transaction information including:
•
Names
•
Account numbers, CVD/CID/CVV, etc. CVD are
the three-digit data printed on the back of
Visa® and MasterCard® or the four-digit data
appearing on the front of an Amex card®
•
Information embossed, encoded or appearing
on Visa cards (“information”) in accordance
with the Visa Account Information Security
Standards
You may not use this information for any purpose except
to complete transactions authorized by the card issuer.
All information must be:
•
Stored in a secure area
•
Accessible by only authorized staff
•
Destroyed and rendered unreadable before it
is discarded
If you make arrangements with any third party for the purpose
of collecting, processing or storing of printed information you
must have a written contract with the third party that is in
compliance with the Visa Account Information Security
Standards.
You must allow TD Merchant Services or Visa/MasterCard
to inspect your premises and ensure that we can inspect
the premises of any third party to verify that printed
information is securely stored and processed. The
Visa
Account Information Security Standards Manual
is
available at
www.visa.com
, while the equivalent for
MasterCard is available under
Security Information
at
www.mastercard.com
. For further information, please
contact TD Merchant Services.
How should I store cardholder receipts?
The following are guidelines that you should use when
storing cardholder receipts:
•
Users are responsible for retaining all receipts
to respond to cardholder inquiries.
Note:
The Merchant Portal retains the most recent 1000
receipts.
Financial Transactions
The TD Mobile POS solution allows you to do the
following transactions:
•
Purchases (Cash, Credit, Debit)
•
Refunds (Cash, Credit)
•
Void Last Transaction (Credit, Debit)
•
End of Day or Close Business Day
Accepted Card Types
The card types accepted by the TD Mobile POS solution
are:
•
American Express®
•
American Express® Pay
•
Discover®
•
Interac® Direct payment
•
Interac® Flash™
•
MasterCard®
•
MasterCard® PayPass™
•
VISA®
•
Visa® Debit
•
Visa payWave®
Payment Methods
There are three types of credit/debit card readers on the
PINPad:
•
Insert chipped card,
•
Tap contactless card,
•
Swipe the card’s magnetic stripe or
•
Manually enter the credit card information
See
Section 2 - About the TD Mobile POS Solution -
Card Readers
on page 14 for more information.
This is not a definitive list as TD regularly updates the
PINPads to accept new cards and payment methods.
The swipe option is generally used when the
PINPad cannot read the credit/debit card’s chip.
