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Accepting Visa Cards

If you have signed a merchant agreement to accept Visa cards, you should accept all Visa cards, irrespective of which bank issued them. Banks right around the world offer their customers a range of different Visa cards. This includes Visa Classic, Visa Gold, Visa Platinum, Visa Infinite, Unembossed Visa, Visa Electron, Visa Business and Visa Purchasing cards – as well as cards issued in conjunction with other major corporations.

Display approved promotional materials

To show cardholders that you accept Visa cards, your bank will provide a range of decals and other promotional materials. You should display these where cardholders can see them. Clear and visible signage increases cardholder awareness and drives usage and sales. Doors and cash registers are effective locations for signage, as well as store windows and counters. Research has shown that good signage does influence consumer spending behavior and can lead to significant increased revenues.

Do not set minimums and maximums

You should not set value limits as a condition for accepting payment by Visa cards. Doing so can damage your relationship with your own customers and you may also lose new sales opportunities. Visa’s research has shown that many cardholders won’t do business with merchants who require minimum purchases on their Visa cards.

Include taxes in the sales draft

If you are required to collect local taxes, these should be included in the total transaction, as it appears on the sales draft. You should not collect these separately– as cash, for example. Many customers need to have records of the taxes they pay for goods and services, so showing the tax amount as a separate item on the sales draft is a service they will appreciate.

Do not offer cash refunds for Visa transactions

You must not give cash refunds for returned goods or cancelled services. Offering Visa refund vouchers for returns and adjustments protects you from loss through fraud. A dishonest person, using a stolen or counterfeit card, could purchase goods and return them for cash. When the legitimate cardholder complains about card misuse, the transaction maybe charged back to your bank who may consider charging it back to you. If that happened you would lose the sale and the cash you have refunded.

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