Ebook e-Commerce Merchants’ Guide to Risk Management
To help e-commerce merchants build and maintain a secure infrastructure for payment card transactions, Visa has created the e-Commerce Merchants’ Guide to Risk Management.
This guide was originally developed using the findings from a 1999 study of nine leading e-commerce merchants. Since then, it has been updated to reflect the evolution and expansion of the e-commerce marketplace. The purpose of this guide is to recommend a set of “best practices” that your business can use to manage e-commerce risk. Some of these practices cover policies, procedures, and capabilities already in place in the e-commerce programs studied. Others are recommendations based on Visa’s payment industry expertise and experience.
Contents
About This Guide
Section One: Understanding the Basics
What Every e-Commerce Merchant Should Know About Handling Visa Transactions
Approaching Risk From a Strategic Perspective
Online Transaction Processing - From Start to Finish
A Brief Look at Chargebacks
Section Two: e-Commerce Risk Management Best Practices
Twelve Steps to Managing e-Commerce Risk
e-Commerce Start-Up
1. Know the Risks and Train Your Staff
2. Select the Right Acquirer and Service Provider(s)
Web Site Utility
3. Develop Essential Web Site Content
4. Focus on Risk Reduction
Fraud Prevention
5. Build Internal Fraud Prevention Capability
6. Use Visa Tools
7. Apply Fraud Screening
8. Protect Your Merchant Account From Intrusion
Visa Card Acceptance
9. Create a Sound Process for Routing Authorizations
10. Be Prepared to Handle Transactions Post-Authorization
Account Information Security
11. Safeguard Account Data Through AIS Compliance
Chargebacks and Processing Costs
12. Avoid Unnecessary Chargebacks and Processing Costs
Section Three: Special Considerations for Travel Merchants
Airlines, Car Rental Companies, Cruise Lines, Hotels and Travel Agencies Section Four: Resources
Online Support and Information
Section Five: Appendices
Appendix A. Glossary
Appendix B. Checklist for Success
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PDF Ebook e-Commerce Merchants’ Guide to Risk Management
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