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Showing posts with label Account Numbers. Show all posts
Showing posts with label Account Numbers. Show all posts

9.09.2016

Digit Security Code 2

3-Digit Security Code
Proof that your card is in the right hands

The 3-digit security code shown on the back of your Visa card lets merchants know that you're physically holding the card when you make a purchase online or over the phone. It's yet another layer of protection Visa implements to prevent fraud before it happens.

How it works

1.
Shop online or by phone
The three-digit code authenticates your identity.
2.
Provide your 3-digit security code
This assures the merchant that you have your card in hand.
3.
Card issuer validates your code
The code is validated automatically during authorization. Merchants are not allowed to save codes.

Shop online or by phone

Shopping online or by phone – where a merchant can't verify your identity in person – always involves an element of risk. The 3-digit security code on your Visa card assures both merchants and consumers that the card is in the hands of an authorized user. If someone obtains your account number, he or she can't make a purchase without the security code.

Provide your 3-digit security code

You can find the 3-digit code on the back of your Visa card, next to your signature. You may see other numerals there, but only the last three digits make up the security code, which is also sometimes  referred to as the "CVV2 code."

Card issuer validates your code

When you give a merchant your CVV2 code at checkout, that information is sent electronically to the card-issuing bank for verification and authorization. If a person attempts to use your card number but cannot provide a 3-digit security code, or if the number is returned as invalid, the merchant will cancel the transaction. For security purposes, merchants are prohibited from storing this number.
Quick Tip
Never write down your PIN. Memorize it and keep it safe
More tips >

Questions?
Call the Visa Global Customer Assistance Center at (800) 847-2911
source

9.25.2015

Digit Security Code

3-Digit Security Code
Proof that your card is in the right hands

The 3-digit security code shown on the back of your Visa card lets merchants know that you're physically holding the card when you make a purchase online or over the phone. It's yet another layer of protection Visa implements to prevent fraud before it happens.

How it works

1.
Shop online or by phone
The three-digit code authenticates your identity.
2.
Provide your 3-digit security code
This assures the merchant that you have your card in hand.
3.
Card issuer validates your code
The code is validated automatically during authorization. Merchants are not allowed to save codes.

Shop online or by phone

Shopping online or by phone – where a merchant can't verify your identity in person – always involves an element of risk. The 3-digit security code on your Visa card assures both merchants and consumers that the card is in the hands of an authorized user. If someone obtains your account number, he or she can't make a purchase without the security code.

Provide your 3-digit security code

You can find the 3-digit code on the back of your Visa card, next to your signature. You may see other numerals there, but only the last three digits make up the security code, which is also sometimes referred to as the "CVV2 code."

Card issuer validates your code

When you give a merchant your CVV2 code at checkout, that information is sent electronically to the card-issuing bank for verification and authorization. If a person attempts to use your card number but cannot provide a 3-digit security code, or if the number is returned as invalid, the merchant will cancel the transaction. For security purposes, merchants are prohibited from storing this number.
Quick Tip
Never write down your PIN. Memorize it and keep it safe
More tips >

Questions?
Call the Visa Global Customer Assistance Center at (800) 847-2911
source

8.25.2015

How to avoid credit card security overkill

 When it comes to financial security, you can never be too cautious, can you? Perhaps. While protecting your credit and money is important, it's also possible to go to unnecessary extremes. Here are the most common safety overreactions to transform into sensible defensive practices.
Overreaction: Refusing to give your credit card to a waiter. Much has been reported lately about how waitstaff can take your credit card "in the back," steal its information with a skimmer and then create clone cards. But Annika Stensson, director of media relations for the Washington, D.C.-based National Restaurant Association, says to relax. "Like every other merchant, they must comply with standards, and those requirements have double and triple security," says Stensson. Restaurants "don't store PIN data, the point-of-sale (POS) systems are customized, and they don't use passwords." Bad eggs are weeded out, too. "It's in the best interest of restaurants to keep transactions safe since they rely on repeat customers," says Stensson, stressing that owners and managers aren't afraid to press criminal charges against thieves. 
Sensible: Charge your meal but review receipts. "Check your credit and bank statements and keep your receipts, says Stensson. If you spot a problem, call the restaurant to quickly resolve it, and remember that you won't have to pay fraudulent charges. Look out for increased levels of security against skimming, too. According to Stensson, an more restaurants are offering a "pay at the table" option with handheld POS systems.
How to avoid credit card security overkill
Overreaction: Not purchasing anything online. If you're reluctant to type your credit card numbers into a retailer's website, you're not alone. Forty-eight percent of respondents in a 2010 Center for the Digital Future study reported being very concerned or extremely concerned about privacy when shopping online. However, Hillary Mendelssohn, founder of the online shopping guide, ThePurplebook.com, believes much of the danger is a myth. Besides, she says, you miss out on a lot when just sticking to brick-and-mortar stores, including "the ability to have the entire shopping world at your fingertips, the convenience of having things delivered and getting better deals."
Sensible: Look for the "s."  Before charging, make sure the page of the website where you enter your card information begins with "https" rather than just "http." The "s" stands for secure. Mendelssohn also recommends looking for the seal of an outside security company, such as the TRUSTe symbol at the bottom of every CreditCards.com page, and to never give your credit card information as payment via email.
Overreaction: Completely rejecting credit. A cash-only lifestyle may appear safer than one that incorporates credit, but that's just not so, says Boston identity theft expert and McAfee consultant Robert Siciliano. "Credit is safer than cash," says Siciliano. "I don't worry about my credit cards or fraud at all. I use it over the phone, in real life, online, everywhere." After all, lost or stolen cash is gone for good, but if someone else uses your plastic, you won't have to pay for the fraudulent charges. More, if you avoid borrowing from a bank altogether, you won't build a credit score and history -- a requirement if you ever want to finance a home.
Sensible: Charge, but check. Use credit, but "pay attention to your statements," says Siciliano. "Check them online at a minimum every month. Every two weeks is better -- this way you can monitor fraud as well as your spending."
Overreaction: Being too afraid to get help. "Credit counseling will ruin my credit!" "They're going to yell at me!" Such are the fearful cries of millions of debt-ridden cardholders, but the reality is the opposite. Agencies never alert credit bureaus or creditors that you've had an appointment, and counselors won't judge or scold you. They will, however, develop a budget and offer a set of options you can take to deal with your financial troubles. If you pay your debt via their debt management plan, a lender can perceive it negatively, but it's not calculated into a credit score.
Sensible: Seek out reputable assistance. Real help does exist, but to know you're in the right place, make sure the agency belongs to the National Foundation for Credit Counseling or the Association of Independent Consumer Credit Counseling Agencies, the major accrediting agencies in the credit counseling industry.
Overreaction: Pulling credit reports constantly. Should you keep a close watch on your credit reports? Absolutely! But John Ulzheimer, president of consumer education for the Costa Mesa, Calif.-based company SmartCredit.com warns against going overboard. "It's definitely unhealthy and not necessary to check your reports every day or every week," says Ulzheimer. "The information won't change that rapidly, so it's a waste of time and money." 
Sensible: Pull reports annually. Under most circumstances, getting your consumer credit reports at AnnualCreditReport.com once a year for free is adequate. However, says Ulzheimer, if you've had past experience with identity theft, be more diligent. "Quarterly is a healthy frequency," he says. In that case, he also suggests subscribing to a credit monitoring service, as it can be more efficient and less stressful than doing it on your own.
With so much press about identity theft and fraud, it's easy to become overly skittish about having and using credit. But don't let it stop you from taking advantage of the conveniences and protection it offers. A few smart precautions can go a long way.
See related: Affluent are more often victims of ID theft, How to check for, fix ID theft or fraud, Credit monitoring services: How to pick the best one

6.25.2015

How to find the security code on a credit card

How to find the security code on a credit card

Find out where to locate the security code on your credit card.



Visa, MasterCard, Discover, JCB, and Diners Club

The security code is a three-digit number on the back of your credit card, immediately following your main card number.

American Express

The security code is a four-digit number located on the front of your credit card, to the right above your main credit card number.

If your security code is missing or illegible, call the bank or credit card establishment referenced on your card for assistance.
If you are not sure if you can use a particular credit card for your purchase, visit the appropriate support page:

5.30.2015

No Cash? No Problem.

Your Visa card is so much more than an ATM card – it’s your key to safe, convenient payments – every day, everywhere.
Visa cards are widely accepted at merchants across Egypt and abroad. It’s not only for expensive, high-value purchases but also for your every day spending:
·         Grocery shopping
·         In the pharmacy
·         Mobile bill payment
·         Your morning coffee
·         Lunch-time take-away
·         Online shopping and much more

Wave goodbye to cash!
Here’s the plus side. Visa has much more to offer you than cash!
·         Convenience
You no longer have to waste time standing in ATM queues. Simply pay with your Visa card at the till or check out point – it’s as quick as keying in your PIN and waiting for the approval
·         Security

A Visa card is far safer than carrying cash around. If your Visa card gets lost or stolen, you can immediately report it with Visa or your bank and have the card blocked. Visa also monitors and detects suspicious and fraudulent transactions on your account.
Learn more on how to keep your cardsafe!
·         Money Management
You will have a record of all your transactions and payments on your bank statement, which will show the merchant’s name and transaction amount - allowing you to keep track of your spending and stay on target with your budget. Your Visa card offers you the ability to control your budget and manage your money.
So don’t delay. Make the change to paying conveniently, easily and safely, today – every day and everywhere.
·         Name drop what your Visa card can shop to win!
This shopping challenge, should you choose to accept it, requires lots of speed and heaps of imagination. Want to know what we have in store for our Visa cardholders in Egypt? Then wave boredom goodbye and follow the fun all the way to our social media channels.

There are two ways to win a US$1,000 Visa Gift Card:

Between 6th – 13th May

Use the hashtag #cash2card to tweet about the everyday items you can buy with your Visa Card on twitter (as many as you can fit in 140 characters). Don’t forget to tag @visamiddleeast

Between 13th May – 5th June

Film yourself naming items you can purchase with your Visa Card (as many as you can say in 15 seconds). Upload your video on Twitter, Facebook or Instagram channels using the hashtag #cash2card for a chance to win. Don’t forget to tag @visamiddleeast and set your post settings to public so that everyone can see what you can buy.
Cash, be gone!

Click here for terms and conditions
Your Visa card offers you more than money!
Benefit from an array of exclusive offers that only Visa can bring you!



Card Fraud & Security FAQs

Q: I received an email/phone call from MasterCard about my account but it appears to be a scam or a phishing email. What do I do?
A: MasterCard will never solicit personal or account information from a cardholder and we suspect that the information you received is fraudulent. Consumers should always safeguard their personal information and refrain from responding to suspicious email/phone scams. If you suspect fraud on your account, please contact your issuing bank immediately to report it. We would appreciate if you could forward the original email to stopit@mastercard.com so that we may investigate.
Q: Someone called to offer a lower rate on my MasterCard but it seems to be a scam
A: Please be advised that MasterCard does not attempt to contact individuals to request personal information, including credit or debit card account information. If you receive an unsolicited phone call, email, text message, or social media request from an individual claiming to be a MasterCard representative: DO NOT RESPOND. MasterCard cardholders should always safeguard their personal information and not respond to any suspicious emails or other inquiries. If you are a victim of a phishing attack and believe your account information may have been compromised, please contact the bank or financial institution that issued your credit or debit card to report the incident.
Q: I believe fraudulent purchases were made on my MasterCard card account
A: If you believe that a transaction posted to your MasterCard card account is fraudulent you should immediately contact the financial institution that issued your MasterCard account and report your concerns.
Typically, there is a customer service number for your financial institution on the back of each card that you can call. You can always contact the MasterCard Assistance Center at 1-800-307-7309 or 'Collect' by dialing 1-636-722-7111.
Q: I know who has committed fraud on my MasterCard account
A: If you believe that you possess information about a person who has committed fraud by using your MasterCard without your permission, please contact the financial institution that issued your card. Financial institution contact information can be located on the back of your card, or on a monthly billing statement.
Q: I believe someone has applied for a MasterCard card in my name
A: Since MasterCard does not issue MasterCard cards we are not able to tell you if an account was opened in your name. You should contact immediately the financial institution that issued the account, and you :
  • Notify the financial institution and cancel the card account
  • Notify each of the three reporting companies about the identity theft so your report can be annotated properly
  • Even if you do not see an unusual creditor on their report you should formally write to advise of them of the situation
The credit reporting companies that may be contacted using the following web addresses:
Equifax         www.Equifax.com
Trans Union  www.TransUnion.com
Experian       www.Experian.com
If you do not know the financial institution, we recommend that you may want to order a credit report form one of the three nationwide credit reporting agencies. For more information go to ftc.gov and click on credit reports.
Q: There was a breach on my account and I received a new card
A: MasterCard appreciates the concern and diligence you are taking to protect your finances as it relates to MasterCard cards and the inquiry regarding a card account breach that has impacted you directly. We do take each card breach occurrence very seriously and work closely with investigative agencies.
Specific to card breaches, we encourage you to contact your financial institution for the most up to date information. Typically there is a customer service number on the back of each card for your financial institution that you can call.
Q: Please provide the name of the merchant where my card account was compromised
A: MasterCard appreciates the concern and diligence you are taking to protect your finances as it relates to credit cards and the inquiry regarding a card account breach that has impacted you directly. We do take each card breach occurrence very seriously and work closely with investigative agencies. Additionally, MasterCard has stiffened penalties to processors to help ensure each of these companies protects cardholder data with extreme care and diligence.
Specific to card breaches, MasterCard cannot determine which merchant transaction caused a card breach since this data is not generally provided to us. We encourage you to contact the financial institution that issued your MasterCard card for the most up to date information. Typically, there is a customer service number on the back of each card that you can call.
Q: Questions not answered here
A: If your question is not listed among the previous topics and questions, your best option is to contact the financial institution that issued your account as only they hold account specific and unique information. Typically there is a customer service number for your financial institution on the back of each card that you can call. You can always contact the MasterCard Assistance Center toll free at 1-800-307-7309 or 'Collect' by dialing 1-636-722-7111.
If you believe that your question can only be answered by MasterCard:
If you believe that your question can only be answered by MasterCard, Click here to submit your question.
Source

5.15.2015

Transaction Support FAQs

Q: How do I dispute a charge?
A: Please work through your card issuing bank to dispute a charge. Only your bank holds your specific and unique information including what rights you have to file disputes. The dispute process agreed to by banks that issue MasterCard accounts or process MasterCard transactions is set up to allow the banks to manage disputes with cardholders and merchants in a formal manner.
For Issuer and Merchant guidelines for disputes refer to MasterCard's Chargeback Rules:
www.mastercard.com/us/merchant/pdf/TB_CB_Manual.pdf
For a Merchant fact sheet on avoiding chargebacks visit:
www.mastercard.com/us/merchant/pdf/Avoiding_Chargebacks_Tips.pdf
Q: I never received an item purchased online or by telephone
A: If you purchased an item that was not delivered to you, or the incorrect item was sent, you should speak initially with the merchant to resolve the situation. If you and the merchant cannot agree to a resolution and you want to file a disputed transaction, this must be done directly with the financial institution that issued your MasterCard card to you.
Typically, there is a customer service number for you financial institution on the back of each card that you can call. You can always contact the MasterCard Assistance Center at 1-800-307-7309 or 'Collect' by dialing 1-636-722-7111.
Q: I purchased an item, but was sent the wrong item
A: If you purchased an item but were delivered the wrong product, we recommend that you speak initially with the merchant to resolve the situation. If you and the merchant cannot agree to a resolution, and you want to file a disputed transaction, this must be done directly with the financial institution that issued your MasterCard card to you.
Typically, there is a customer service number for your financial institution on the back of each card that you can call. You can always contact the MasterCard Assistance Center at 1-800-307-7309 or 'Collect' by dialing 1-636-722-7111.
Q: I want a refund from a business that has filed bankruptcy
A: To seek a refund from a business that has filed bankruptcy, but you are unable to locate the business, you can file a disputed transaction.
Typically, there is a customer service number for your financial institution on the back of each card that you can call. You can always contact the MasterCard Assistance Center at 1-800-307-7309 or 'Collect' by dialing 1-636-722-7111.
Q: The financial institution that issued your MasterCard card said that MasterCard denied my dispute
A: If your dispute case was denied, the financial institution that issued your MasterCard card will be able to explain the reason. Typically, there is a customer service number for your financial institution on the back of each card that you can call. You can always contact the MasterCard Assistance Center at 1-800-307-7309 or 'Collect' by dialing 1-636-722-7111.
Q: Questions not answered here
A: If your question is not listed among the previous topics and questions, your best option is to contact the financial institution that issued your account as only they hold account specific and unique information. Typically there is a customer service number for your financial institution on the back of each card that you can call. You can always contact the MasterCard Assistance Center toll free at 1-800-307-7309 or 'Collect' by dialing 1-636-722-7111.
If you believe that your question can only be answered by MasterCard:
If you believe that your question can only be answered by MasterCard, Click here to submit your question.
Source

10.25.2012

Test Credit Card Account Numbers

Test Credit Card Account Numbers

While testing, use only the credit card numbers listed here. Other numbers produce an error.
Expiration Date must be a valid date in the future (use the mmyy format).

Test Credit Card Account Numbers

Credit Card Type
Credit Card Number
American Express
378282246310005
American Express
371449635398431
American Express Corporate
378734493671000
Australian BankCard
5610591081018250
Diners Club
30569309025904
Diners Club
38520000023237
Discover
6011111111111117
Discover
6011000990139424
JCB
3530111333300000
JCB
3566002020360505
MasterCard
5555555555554444
MasterCard
5105105105105100
Visa
4111111111111111
Visa
4012888888881881
Visa
4222222222222  Note : Even though this number has a different character count than the other test numbers, it is the correct and functional number.
Processor-specific Cards
Dankort (PBS)
76009244561
Dankort (PBS)
5019717010103742
Switch/Solo (Paymentech)
6331101999990016

9.10.2012

about ccbill

As a trusted leader in global payment solutions since 1998, CCBill processes more than a billion dollars in transactions each year and is one of the largest third-party payment processors. CCBill maintains a comprehensive set of proprietary backend and Web-based administration systems to effectively process transactions for a wide variety of markets and help provide businesses the tools and practices necessary to successfully operate.
about ccbill
CCBill understands the credit card and payment industries, and is committed to delivering innovative solutions to support the initiatives of merchant clients and meet all compliance standards. An impeccable payment record, reliable problem-solving techniques, executive team with more than 100 years of payment processing experience, and phenomenal consumer support underscore CCBill's commitment to the markets it serves.

CCBill EU

With offices in Valletta, Malta, CCBill EU was established to provide a processing solution to European-based businesses that wish to offer Visa as a payment option. Backed by CCBill, the company has supported the processing needs of European online merchants since 2002.


Sales Inquiries
Hours: 7 a.m. – 7 p.m. (MST) M-F
TF: 888.364.4332
International Toll Free Number:
(Country Code) + 800.6123.4500

Client Support
(Existing Client Inquiries)
Hours: 24/7
TF: 800.510.2859
email: clientsupport@ccbill.com
Client Support Center
International Toll Free Number:
(Country Code) + 800.6123.4500
Consumer Services
(Customer Billing Inquiries)
Hours: 24/7
TF: 888.596.9279
email: support@ccbill.com
International Toll Free Number:
(Country Code) + 800.6123.4500
Affiliate Support
(Existing Affiliate Inquires)
Hours: 24/7
TF: 800.510.2859
email: clientsupport@ccbill.com
International Toll Free Number:
(Country Code) + 800.6123.4500

8.15.2012

global vcard

global vcard

global vcard

global vcard

global vcard


global vcard


How it works

Choose the amount

Enter the dollar amount for your globalVCard

Single or multi-use

Choose the number of allowed transactions

How it works
How it works

Where?

You're in control, you can decide where your globalVCard can be spent.

Who?

With Advanced Options, you can set the Name of the card holder, the Expiration date, Invoice # (optional), PO# (optional) and Notes (optional).

How it works


How it works

globalVCard is Ready!

In the amount YOU set, able to be spent where YOU decide and by WHO.




How it works

Send Your globalVCard

Pay over the phone, online, or even email your unique MasterCard number to vendors, employees, or whomever.





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