Electronic Commerce Transactions
CUSTOMER acknowledges and agrees that this Section 7 pertains only to ECTs that arise
from transactions effected in U. S. Dollars. All CUSTOMER’s ECTs must be in U. S.
Dollars and will be settled in U. S. Dollars. Under the Card Organization Rules, ECTs are
considered non face-to-face Card transactions. In addition, CUSTOMER must properly
identify each ECT in the Sales Draft.
CUSTOMER agrees to develop and maintain a point of presence on the Internet at
CUSTOMER’s expense. CUSTOMER must post CUSTOMER’s consumer data privacy
policy and method of transaction security on CUSTOMER’s web site(s) in accordance with
the Card Organization Rules and Applicable Law. CUSTOMER will, in accordance with
the Card Organization Rules and Applicable Law, (i) install and maintain a working firewall
to protect data accessible via the Internet; (ii) keep security patches up to date; (iii) encrypt
stored data; (iv) encrypt data sent across networks; (v) use and regularly update anti-virus
software; (vi) restrict access to data on a “need to know” basis; (vii) assign a unique ID to
each person with computer access to data; (viii) not use vendor-supplied defaults for
system passwords and other security parameters; (ix) track access to data by unique ID;
(x) regularly test security systems and processes; (xi) maintain a policy that addresses
information security for employees and contractors; and (xii) restrict physical access to
Cardholder data.
CUSTOMER’s Internet web site must contain (a) a complete description of the goods or
services offered, (b) CUSTOMER’s returned merchandise and refund policy, (c)
CUSTOMER’s customer service contact information, including e-mail address and/or
telephone number, (d) transaction currency, (e) export or legal restrictions (if known), (f)
CUSTOMER’s delivery policy and (g) CUSTOMER’s country of domicile immediately prior
to the Cardholder’s accessing of payment instructions. In addition, CUSTOMER must
disclose, at all points of Cardholder interaction (including any of CUSOMER’s supplier or
subcontractor Internet web sites and any of CUSTOMER’s promotional materials and
invoices), to the Cardholder that CUSTOMER, and not any of any CUSTOMER’s suppliers
of goods or subcontractors for services, is the merchant of record and responsible for any
Card transaction. CUSTOMER must also notify the Cardholder that CUSTOMER is
responsible for (i) payment transactions, (ii) products and services, (iii) direct customer
service, (iv) Internet web site(s) the Card Organization Marks, wherever CUSTOMER
displays payment options, in accordance with the Operating Guide and Subsection 3.5 of
the Bankcard Addendum.
CUSTOMER will be responsible for all costs of connectivity and communication between
CUSTOMER, the Internet and BANK. CUSTOMER agrees to utilize SSL (Secure Sockets
Layer) or other secure compatible encryption method acceptable to BANK in providing
CUSTOMER’s ECTs to BANK for authorization, processing and settlement.
CUSTOMER assumes all responsibility for identification of the Cardholder and the validity
of the Card information for ECT. CUSTOMER agrees that each Authorization request will
include a request for address verification and a positive response for it. CUSTOMER
agrees to identify separately any high-risk transactions CUSTOMER submits. The highrisk transactions include, but are not limited to, any under Merchant Category Code 5967 –
Direct Marketing – Inbound Telemarketing Merchants.