[vc_row full_width=”stretch_row” background_image=”4907″][vc_column][tm_heading tag=”h1″ custom_google_font=”” align=”center” text_color=”custom” custom_text_color=”#ffffff” text=”Security & Compliance” css=”.vc_custom_1566493953495{padding-top: 250px !important;padding-bottom: 250px !important;}”][\/vc_column][\/vc_row][vc_row][vc_column][tm_spacer size=”lg:75″][tm_spacer size=”lg:75″][\/vc_column][\/vc_row][vc_row lg_spacing=”padding_top:75;padding_bottom:75″][vc_column width=”1\/2″][tm_heading style=”above-thick-separator” tag=”h5″ custom_google_font=”” google_fonts=”font_family:Poppins%3A300%2Cregular%2C500%2C600%2C700|font_style:700%20bold%20regular%3A700%3Anormal” font_weight=”700″ text_transform=”capitalize” text_color=”secondary” text=”Our Business is all about Security and Compliance” letter_spacing=”.02″][vc_column_text css=”.vc_custom_1566493999089{padding-top: 20px !important;padding-right: 5% !important;padding-left: 5% !important;}”]As a business owner, it\u2019s important to understand the rules and regulations governing your payment processing. As your payment processor we want to help you understand these rules. Here are valuable resources and information that will help you navigate through the world of payment processing.[\/vc_column_text][tm_button button=”url:https%3A%2F%2Fwww.linkedin.com%2Fpulse%2Fchargebacks-explained-why-merchants-must-protect-business-ornelas%3FarticleId%3D6457643291923087360%23comments-6457643291923087360%26trk%3Dprof-post|title:How%20to%20Reduce%20Chargebacks%2C%20Click%20Here.||” lg_spacing=”padding_top:35″][\/vc_column][vc_column width=”1\/2″ background_size=”contain” background_image=”4844″][tm_spacer size=”lg:500″][\/vc_column][\/vc_row][vc_row][vc_column width=”1\/2″][tm_heading style=”above-thick-separator” tag=”h5″ custom_google_font=”” google_fonts=”font_family:Poppins%3A300%2Cregular%2C500%2C600%2C700|font_style:700%20bold%20regular%3A700%3Anormal” font_weight=”700″ text_transform=”capitalize” text_color=”secondary” text=”Compliance Changes” letter_spacing=”.02″ css=”.vc_custom_1566494188646{padding-top: 50px !important;}”][tm_accordion style=”3″ items=”%5B%7B%22title%22%3A%222016%22%2C%22content%22%3A%22DCC%20Information%20from%20VISA%20and%20Master%20Card%22%7D%2C%7B%22title%22%3A%222015%22%2C%22content%22%3A%22October%202015%20-%20Visa%20Rule%20Changes%5CnPSPCS%20would%20like%20to%20inform%20you%20of%20recent%20changes%20announced%20by%20Visa%20Inc.%20(%E2%80%9CVisa%E2%80%9D)%20which%20may%20impact%20your%20business%20processes.%5Cn%5CnVisa%20Easy%20Payment%20Service%20(VEPS)%5Cn%5CnIf%20you%20are%20a%20participant%20in%20the%20Visa%20Easy%20Payment%20Service%20(VEPS)%20program%2C%20please%20be%20advised%20that%20Visa%20has%20announced%20the%20retirement%20of%20this%20program%20effective%20October%2016%2C%202015.%20At%20the%20close%20of%20this%20program%2C%20all%20transactions%20will%20require%20a%20PIN%20or%20signature%20regardless%20of%20the%20transaction%20amount.%20As%20part%20of%20the%20natural%20evolution%20of%20the%20Visa%20No%20Signature%20program%2C%20Visa%20payWave%20contactless%20transactions%20do%20not%20require%20a%20signature%20or%20PIN.%5Cn%5CnDispute%20Rules%20Revisions%5Cn%5CnEffective%20for%20Representments%20processed%20on%20or%20after%20October%2017%2C%202015%2C%20Visa%20will%20be%20revising%20several%20disputes%20rules%20to%20promote%20a%20more%20efficient%20process.%20For%20more%20information%2C%20please%20see%20the%20Dispute%20Rules%20Revisions%20document.%5Cn%5CnVisa%20Travel%20and%20Entertainment%20Rules%20Update%5Cn%5CnEffective%20October%2016%2C%202015%2C%20Visa%20will%20modify%20rules%20for%20travel%20and%20entertainment%20transactions%20and%20merchants%20with%20similar%20practices.%20For%20more%20information%2C%20please%20see%20the%20Visa%20Travel%20and%20Entertainment%20Rules%20Update%22%7D%2C%7B%22title%22%3A%222014%22%2C%22content%22%3A%22October%202014%20-%20Visa%20Rule%20Changes%5CnPSPCS%20would%20like%20to%20inform%20you%20of%20a%20recent%20rule%20change%20announced%20by%20Visa%20Inc.%20(%E2%80%9CVisa%E2%80%9D)%20which%20may%20impact%20your%20business%20processes.%5Cn%5CnVisa%20Floor%20Limit%5Cn%5CnVisa%20has%20announced%20that%20effective%20October%2017%2C%202014%2C%20Visa%20floor%20limits%20will%20be%20decreased%20to%20zero.%20As%20a%20result%20of%20this%20change%2C%20you%20will%20be%20required%20to%20obtain%20an%20authorization%20each%20time%20a%20transaction%20is%20processed%2C%20as%20part%20of%20proper%20card%20acceptance%20procedures%20regardless%20of%20the%20type%20or%20the%20amount%20of%20the%20transaction.%20Failure%20to%20adhere%20to%20proper%20card%20acceptance%20procedures%20could%20result%20in%20chargebacks.%5Cn%5CnAs%20a%20result%20of%20this%20change%2C%20please%20ensure%20that%20you%20review%20your%20business%20processes%20and%20make%20any%20necessary%20updates%20as%20they%20relate%20to%20your%20Visa.%5Cn%5CnMarch%202014%20-%20Interac%20Flash%5CnInterac%20Flash%E2%80%99s%20functionality%20continues%20to%20grow%20in%20the%20marketplace%2C%20and%2C%20as%20a%20result%2C%20Interac%20has%20made%20changes%20to%20the%20transaction%20limit.%20Prior%20to%20this%20change%2C%20Issuers%20were%20required%20to%20set%20the%20Interac%20Flash%20per%20Transaction%20Limit%20to%20a%20minimum%20amount%20of%20%2425%2C%20and%20up%20to%20a%20maximum%20amount%20of%20%24100.%20Effective%20January%202%2C%202014%2C%20Issuers%20are%20now%20required%20to%20set%20the%20Interac%20Flash%20per%20Transaction%20Limit%20to%20%24100%20for%20all%20transactions.%5Cn%5CnMerchants%20need%20to%20be%20aware%20that%20the%20transaction%20limit%20for%20Interac%20Flash%20transactions%20is%20set%20by%20the%20Issuers-%20Merchants%20cannot%20set%20transaction%20limits%20at%20the%20merchant%2Fterminal%20level.%22%7D%2C%7B%22title%22%3A%222013%22%2C%22content%22%3A%22October%202013%20%E2%80%93%20Visa%20Rule%20Changes%5CnPSPCS%20would%20like%20to%20inform%20you%20of%20some%20recent%20rule%20changes%20announced%20by%20Visa%20Inc.%20(%E2%80%9CVisa%E2%80%9D)%20which%20may%20impact%20your%20business%20processes.%5Cn%5CnVisa%20payWave%5Cn%5CnVisa%20has%20announced%20the%20payWave%20chargeback%20protection%20limit%20will%20increase%20from%20%2450%20CDN%20(including%20taxes)%20to%20%24100%20CDN%20(including%20taxes).%20These%20changes%20will%20take%20effect%20October%2018%2C%202013.%5Cn%5CnIf%20you%20accept%20payWave%2C%20please%20ensure%20that%20you%20review%20your%20business%20processes%20and%20make%20any%20necessary%20updates%20as%20they%20relate%20to%20your%20Visa.%20If%20you%20are%20not%20accepting%20payWave%20at%20this%20time%2C%20this%20change%20will%20not%20impact%20your%20business.%5Cn%5CnOctober%202013%20-%20MasterCard%20Rule%20Changes%5CnPSPCS%20would%20like%20to%20inform%20you%20of%20some%20recent%20rule%20changes%20announced%20by%20MasterCard%20Inc.%20(%E2%80%9CMasterCard%E2%80%9D)%20which%20may%20impact%20your%20business%20processes.%5Cn%5CnMasterCard%20Floor%20Limit%5Cn%5CnMasterCard%20has%20announced%20that%20effective%20October%2018%2C%202013%2C%20MasterCard%20floor%20limits%20will%20be%20decreased%20to%20zero.%20As%20a%20result%20of%20this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items=”%5B%7B%22title%22%3A%22EMV%20Technology%22%2C%22content%22%3A%22What%20is%20a%20Chip%20Card%3F%5CnA%20chip%20card%2C%20is%20a%20credit%20or%20debit%20card%20that%20contains%20an%20embedded%20computer%20chip.%20A%20chip%20card%20will%20require%20the%20cardholder%20to%20enter%20a%20Personal%20Identification%20Number%20(PIN).%5Cn%5CnWhat%20is%20EMV%3F%20%3C%2Fbr%3E%5CnEMV%20dictates%20how%20debit%20and%20credit%20payment%20applications%20work%20internationally.%20The%20primary%20purpose%20is%20to%20ensure%20worldwide%20agreement%20amongst%20card%20issuers%20(MasterCard%2C%20Visa%20and%20Amex).%3C%2Fbr%3E%5Cn%5CnWhat%20are%20the%20benefits%20of%20the%20chip%20card%20to%20consumers%3F%3C%2Fbr%3E%5Cn%5CnSecurity%20is%20the%20primary%20benefit%20of%20a%20chip%20card.%20Between%20the%20card%20and%20the%20point%20of%20sale%20terminal%2C%20a%20highly%20secured%20transaction%20takes%20place%2C%20one%20that%20significantly%20reduces%20fraud.%3C%2Fbr%3E%5Cn%5CnWhat%20does%20this%20mean%20for%20me%20as%20a%20merchant%3F%3C%2Fbr%3E%5Cn%5CnA%20PIN%20will%20now%20replace%20requiring%20a%20card%20holder%E2%80%99s%20signature%20after%20a%20transaction.%20In%20a%20chip%20enabled%20terminal%20or%20ABM%2C%20the%20chip%20card%20is%20inserted%20and%20left%20for%20the%20duration%20of%20the%20transaction%2C%20for%20both%20credit%20and%20debit%20transaction.%20This%20is%20a%20more%20secure%20form%20of%20payment%20for%20both%20the%20merchant%20and%20the%20consumer.%3C%2Fbr%3E%5Cn%5CnWhat%20about%20cards%20with%20a%20magnetic%20stripe%3F%3C%2Fbr%3E%5Cn%5CnMagnetic%20stripes%20will%20still%20be%20one%20each%20debit%20or%20credit%20card%2C%20along%20with%20the%20PIN%20requirements.%20In%20non-chip%20enabled%20terminal%2C%20for%20credit%20card%20transactions%2C%20the%20merchant%20will%20swipe%20the%20card%20and%20collect%20a%20signature%20from%20the%20consumer.%20%3C%2Fbr%3E%5Cn%5CnRelated%20Links%3C%2Fbr%3E%5CnIf%20you%20require%20more%20information%20on%20Chip%20Pin%20Cards%20read%3A%3C%2Fbr%3E%5Cn%5CnVisa%3C%2Fbr%3E%5CnMasterCard%20Chip%3C%2Fbr%3E%5CnInterac%20Chip%3C%2Fbr%3E%22%7D%2C%7B%22title%22%3A%22Terminology%22%2C%22content%22%3A%22What%20is%20a%20chargeback%3F%5Cn%5CnA%20chargeback%20is%20a%20reversal%20of%20a%20sales%20transaction.%20If%20a%20chargeback%20has%20occurred%20you%20must%20provide%20all%20necessary%20documentation%20to%20PSP%20Card%20Services%20within%2012%20business%20days%20to%20correctly%20process%20the%20chargeback.%5Cn%5CnWhat%20can%20I%20do%20to%20avoid%20chargebacks%3F%5Cn%5CnA%20chargeback%20can%20be%20avoided%20at%20the%20Point%20of%20Sale%20with%20any%20of%20the%20following%20situations%2C%5Cn%5CnDeclined%20authorization.%20If%20a%20transaction%20was%20declined%2C%20do%20not%20repeat%20the%20request%2C%20ask%20the%20consumer%20for%20a%20different%20form%20of%20payment%5CnTransaction%20amount.%20Transaction%20amounts%20must%20match%20the%20amount%20presented%20to%20the%20consumer%2C%20do%20not%20estimate%20an%20amount%2C%20especially%20when%20it%20comes%20to%20adding%20a%20tip%20on%20behalf%20of%20a%20consumer.%5CnExpired%20card.%20A%20card%20is%20not%20to%20be%20accepted%20after%20it%E2%80%99s%20set%20Expiry%20date%2C%20unless%20you%20have%20received%20authorization%20approval%20for%20the%20transaction.%5CnCard%20not%20Present.%20If%20the%20cardholder%20is%20present%20but%20the%20card%20is%20not%2C%20then%20do%20not%20accept%20the%20transaction.%20It%20could%20be%20fraudulent.%5CnProvide%20your%20consumer%20with%20a%20receipt.%20One%20that%20is%20legible%20so%20the%20transacted%20amount%20is%20made%20clear%20to%20the%20consumer.%5CnWhat%20can%20I%20do%20to%20contest%20the%20chargeback%3F%5Cn%5CnPlease%20call%20us%20within%2010%20days%20of%20the%20debit%20with%20any%20additional%20information%20you%20have%20to%20support%20the%20charges%20in%20dispute.%5Cn%5CnWhat%20are%20the%20fees%20associated%20with%20an%20Internet%20VISA%2FMasterCard%20Merchant%20Account%3F%5Cn%5CnThere%20is%20a%20Merchant%20Discount%20Rate%20(MDR)%2C%20which%20is%20based%20on%20your%20average%20monthly%20VISA%2C%20MasterCard%20dollar%20volumes%20and%20the%20dollar%20size%20of%20your%20average%20transaction.%5Cn%5CnOther%20fees%20such%20as%20set-up%2C%20per%20transaction%20and%20monthly%20fees%20are%20dependent%20on%20what%20type%20of%20Merchant%20Account%20you%20require%20and%20how%20the%20transactions%20will%20be%20transmitted.%5Cn%5CnTo%20get%20specific%20fees%20for%20your%20particular%20application%2C%20please%20contact%20PSPCS%20directly.%22%7D%2C%7B%22title%22%3A%22eCommerce%22%2C%22content%22%3A%22I’m%20a%20web%20developer%20or%20ISP%20and%20would%20like%20to%20provide%20an%20eCommerce%20solution%20for%20my%20clients.%20How%20can%20PSPCS%20help%20me%3F%20%20%5Cn%5CnFor%20all%20your%20website%20eCommerce%20needs%2C%20please%20contact%20PSPCS%20directly%20at%201-844-780-9293.%20%5Cn%5CnAre%20e-commerce%20transactions%20secure%3F%5Cn%5CnPSPCS%20is%20dedicated%20to%20a%20high%20level%20of%20security%20so%20that%20you%20can%20p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[vc_row full_width=”stretch_row” background_image=”4907″][vc_column][tm_heading tag=”h1″ custom_google_font=”” align=”center” text_color=”custom” custom_text_color=”#ffffff” text=”Security & Compliance” css=”.vc_custom_1566493953495{padding-top: 250px !important;padding-bottom: 250px !important;}”][\/vc_column][\/vc_row][vc_row][vc_column][tm_spacer size=”lg:75″][tm_spacer size=”lg:75″][\/vc_column][\/vc_row][vc_row lg_spacing=”padding_top:75;padding_bottom:75″][vc_column width=”1\/2″][tm_heading style=”above-thick-separator” tag=”h5″ custom_google_font=”” google_fonts=”font_family:Poppins%3A300%2Cregular%2C500%2C600%2C700|font_style:700%20bold%20regular%3A700%3Anormal” font_weight=”700″ text_transform=”capitalize” text_color=”secondary” text=”Our Business is all about Security and Compliance” letter_spacing=”.02″][vc_column_text css=”.vc_custom_1566493999089{padding-top: 20px !important;padding-right: 5% !important;padding-left: 5% !important;}”]As a business owner, it\u2019s important to understand the rules and regulations governing your payment processing. As your payment processor we want to help you understand these rules. Here are valuable resources and information that will help you navigate through the world of payment processing.[\/vc_column_text][tm_button button=”url:https%3A%2F%2Fwww.linkedin.com%2Fpulse%2Fchargebacks-explained-why-merchants-must-protect-business-ornelas%3FarticleId%3D6457643291923087360%23comments-6457643291923087360%26trk%3Dprof-post|title:How%20to%20Reduce%20Chargebacks%2C%20Click%20Here.||” lg_spacing=”padding_top:35″][\/vc_column][vc_column width=”1\/2″ background_size=”contain” background_image=”4844″][tm_spacer size=”lg:500″][\/vc_column][\/vc_row][vc_row][vc_column width=”1\/2″][tm_heading style=”above-thick-separator” tag=”h5″ custom_google_font=”” google_fonts=”font_family:Poppins%3A300%2Cregular%2C500%2C600%2C700|font_style:700%20bold%20regular%3A700%3Anormal” font_weight=”700″ text_transform=”capitalize” text_color=”secondary” text=”Compliance Changes” letter_spacing=”.02″ css=”.vc_custom_1566494188646{padding-top: 50px !important;}”][tm_accordion style=”3″ 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