Logo View 
Advance Financial Processing
a Biscayne Funding Partner

EPay - eCommerce your business NOW!
Banner




Logo View

Online eCommerce Processing
Overview
To keep payment processing safe and secure, merchants must follow set requirements when accepting and storing payment methods. These regulations come from card brands, governing bodies, payment processors, and private organizations. Not being compliant can result in fines, account holds, seizure of funds, and even legal action. As your payment processor, we want your business to be safe and successful, so we will do our best to make sure you understand these requirements and where to find help.

Ecommerce website compliance
To comply with card brand rules around consumer protection and cardholder rights, certain business details and disclosures must be clearly visible on your website, mobile app, invoices, and contracts. We'll review all your platforms to make sure the necessary information is present.

* Restricted Activities
You may not use the Payment Services in connection with any product, service, transaction or activity that involves:

a. Violates any law or government regulation, or promotes or facilitates such by third parties;
b. Violates any rule or regulation of Visa, Mastercard, American Express, Discover, JCB, Diners Club card, China UnionPay or any other electronic funds transfer network (each, a "Card Network");
c. Is fraudulent, deceptive, unfair or predatory;
d. Causes or threatens reputational damage to us or any Card Network;
e. Involves any of the business categories listed in Section 2; or
f. Results in or creates a significant risk of chargebacks, penalties, damages or other harm or liability.


* Certain Business Categories
You may not use the Payment Services in connection with any product, service, transaction or activity that involves:

age restricted products or services
aggregation or factoring, whether licensed or unlicensed
airlines (exceptions apply if you get our prior written approval)
bail bonds
bankruptcy lawyers
bidding fee auctions
business or investment opportunity sales
chain letters
check cashing, wire transfers or money orders
collection agencies
counterfeit goods or any product or service that infringes upon the copyright, trademark or trade secrets of any third party
credit card and identity theft protection
credit counseling, repair or protection services, or mortgage consulting or reduction services
cruise lines
currency exchanges or dealers
decryption and descrambler products designed to circumvent intellectual property rights or protections, including mod chips
door-to-door sales
drug paraphernalia
embassies, foreign consulates or other foreign governments
essay mills
evading card association chargeback monitoring programs
extended warranties
real estate purchases with no money down
flea markets
fortune tellers
gambling (including but not limited to lotteries, Internet gaming, contests, sweepstakes, or offering of prizes as an inducement to purchase goods or services) (exceptions apply in some countries/regions and if you get our prior written approval)
"get rich quick" schemes
human hair, fake hair or hair-extensions
loan modifiers
mail-order brides
marijuana dispensaries and related businesses
membership subscriptions > 1 year (exceptions apply if you get our prior written approval)
money transmitters or money service businesses
multi-level marketing or pyramid schemes
negative response marketing
offering substantial rebates or special incentives to the cardholder subsequent to the original purchase
online or other non-face-to-face pharmacies or pharmacy referral services
online or other non-face-to-face tobacco or e-cigarette sales
personal computer technical support (exceptions apply if you get our prior written approval)
prepaid phone cards, phone services or cell phones
pseudo pharmaceuticals
products/services that promote hate, violence, harassment or abuse, if illegal
quasi-cash or stored value
securities brokers
sexually-oriented or pornographic products or services
sharing cardholder's data with another merchant for payment of up-sell or cross-sell products or services
shipping or forwarding brokers
social media activity sales (such as sales of Twitter followers, Facebook likes or Youtube views)
sports forecasting or odds making
prescription drugs, illegal drugs or substances designed to mimic illegal drugs
telecommunications equipment and telephone sales
telemarketing
timeshares
tour operators (exceptions apply if you get our prior written approval)
travel agencies or travel clubs (exceptions apply if you get our prior written approval)
virtual currency or credits that can be monetized, re-sold or converted to physical or digital goods or services or otherwise exit the virtual world
weapons and munitions
entertainment venues including but not limited to nightclubs, bars
pre-payment services
* Actions by Essential Pay
If, in our sole discretion, we believe that you may have engaged in any violation of this Acceptable Use Policy, we may (with or without notice to you) take such actions as we deem appropriate to mitigate risk to Essential Pay and any impacted third parties and to ensure compliance with this Acceptable Use Policy. Such actions may include, without limitation:

a. Blocking the settlement or completion of one or more payments;
b. Suspending, restricting or terminating your access to and use of the Payment Services;
c. Terminating our business relationship with you, including termination without liability to Braintree of any payment service agreement between you and Braintree;
d. Taking legal action against you;
e. Contacting and disclosing information related to such violations to (i) persons who have purchased goods or services from you, (ii) any banks or Card Networks involved with your business or transactions, (iii) law enforcement or regulatory agencies, and (iv) other third parties that may have been impacted by such violations; or
f. Assessing against you any fees, penalties, assessments or expenses (including reasonable attorneys' fees) that we may incur as a result of such violations, which you agree to pay promptly upon notice.


* Amendments
This Acceptable Use Policy may be amended by Essential Pay at any time by posting a new version of it to our website. By accessing or using the Payment Services after a new version is posted, you agree to all amendments reflected therein.

(SIGNUP Claims processing)
Ecommerce Processing
The card brands that we work with - such as Visa and Mastercard - have requirements surrounding payment processing to ensure secure payment experiences for both cardholder and merchants. You can find more information on the requirements in our Network Compliance article.

In addition to network compliance, card brands have rules and regulations in place to prevent the sale of illegal goods, counterfeit items, and other restricted products and services. To help keep high-risk and illegal items out of the payments ecosystem, we are obligated to do our part to prevent illegal or contractually restricted transactions from taking place. Restricted goods and services can vary depending on your location and how you integrate with Essential Pay.


Read more about restrictions in your region in our Merchant Agreements and Acceptable Use Policy.
We're focused on helping our merchants offer payment experiences that are not only seamless, but also secure. There are many aspects to risk and security in the payments industry, and we pride ourselves on having exceptional teams that are dedicated to making the experience safe for your business and ours alike.

Chargebacks and retrievals
Unfortunately, chargebacks are a standard part of doing business - especially if you accept payments online. Our Disputes team is here to help guide you through the process and make sure you understand how to both handle and minimize chargebacks as they come up.

Compliance
Compliance isn't just about the Payment Card Industry Data Security Standard (PCI DSS) - it also incorporates certain requirements that we enforce, governmental law, and other factors that can affect your business. Our Compliance team will help you ensure that your website, integration, and payment flow are in line with any applicable regulations.

Control Panel security
The Control Panel is your tool for reporting and managing payments, so it's important to keep it safe and secure. We've built tools and provided best practices to make sure you're covered.

Risk factors
Risk can come in many forms. While it's ultimately your responsibility to protect your business against fraud, we're here to help. Our Risk team can provide guidance and advice on credit risks, help provide context on industry fraud trends, and assist in investigating activity that may seem suspect.

Underwriting
As your merchant account provider and partner in business, we share in both your wins and losses. We take our underwriting seriously, collecting as much information as we can during the onboarding process in order to prevent future interruptions to your processing. Then, once you are using our products, the Underwriting team will assist you with your account as your business continues to grow.
(SIGNUP Online processing)


















Web Hits