Barclaycard business essentials Important information for you and your business

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Welcome to Barclaycard business essentials In this issue we’re updating you on the important changes to the settlement platform and the way you process pre-authorisation transactions on a day-to-day basis.

You can also discover how MasterCard is revising its codes to simplify the way they report chargebacks and the introduction of their new 2 series Bank Identification Numbers (BINs) – plus much more.

So please take some time to read each article, as some of the updates may require you to take action.

We hope you find this issue useful in keeping your business compliant and in the loop today.

Kind regards

Sharon Manikon Commercial Director

Icon key Action required Important information

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Prepare for the new MasterCard 2 series Bank Identification Numbers (BINs)

The background: What’s a Bank Identification Number (BIN)?A BIN is a unique six-digit number used to identify a card issuer. It’s part of the payment card number, which is normally 16 digits long.

What’s changing?From October 2016, MasterCard will start issuing debit and credit cards with BINs starting with a two. And to make sure your business is ready for this, we’ve explained more about what this means and what you’ll need to do here.

If you use one of Barclaycard’s products you don’t need to do a thing – we’ll make sure your terminals and ecommerce solution are updated automatically.

Take actionIf your terminals or ecommerce products aren’t provided by Barclaycard simply speak to your supplier. Here’s a quick rundown of what they’ll need to do:

• your terminal supplier will need to update your terminals to process the new MasterCard ‘2 series’ BINs

• any service providers you have should update your e-commerce websites to support MasterCard ‘2 series’ payments

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An update on our new billing and settlement platform

In the last issue of business essentials we told you all about the investments we’re making in our payment acceptance technology and how this will help improve the services we offer you.

If you missed it, you can read it online at barclaycard.co.uk/essentials

Coming soonWe’re moving to a new billing and settlement platform in the first half of this year and will let you know the exact date soon. For now, here’s a reminder of some of the good stuff you can look forward to:

• payment acceptance for the Diners/Discover® Global Network, including Diners Club International, Discover Card, BC Global Card, DinaCard and RuPay

• a new statement design – so your statements are easier to read and understand at a glance

• improvements to our Online Services portal and helpdesk service

• better online and international Direct Debit capabilities

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Here’s what you need to know When we move to the new platform there will be a number of small changes you need to be aware of. Most of these will be for your information only, but you may need to make small adjustments for a few of them – especially if you use a system to reconcile your payments. We may also need to make minor changes to the way that some of our customers are set up.

If there are any specific changes that affect your service, we’ll be in touch in the next couple of months to confirm what happens next.What you need to do

Make sure you’re ready by reading about the changes and our frequently asked questions at barclaycard.co.uk/essentials

Please also keep an eye out for any letters about specific changes to your service.

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Changes to how chargebacks are reported

The background:MasterCard announced it was simplifying how chargebacks are reported by combining a number of reason codes into one single code.

Code 53Code 53 has been shortened to Cardholder Dispute and will be used for the following issues:

41 Cancelled Recurring and Digital Goods Transactions

53 Cardholder Dispute – Defective Merchandise/Not as Described

55 Goods or Services Not Provided

59 Addendum and No Show

60 Credit Not Processed

Code 34From 15 April 2016, any disputes that come under the reason codes below will be charged under reason 34 – which will be renamed ‘Point of Interaction Error’:

31 TransactionAmountDiffers

34 Duplicate Processing

42 Late Presentment

46 Correct Transaction Currency Code Not Provided

Take actionIf you use the codes in analysis or any internal processes then you may need to make changes.

Eventually the existing chargeback reason codes will not be used, but we’re still waiting to hear from MasterCard for an exact date. Once we know, we’ll be in touch straight away.

Important because:This doesn’t have an impact on disputed card payments for your business, but we want to make sure you’re completely up to date with the changes for future reference.

If a cardholder disputes a transaction with you, the process will remain the same. We’ll still tell you what we need to know if you want to challenge it. And you’ll still have up to 14 days to send any information we need to pass back to the card issuer.

Tofindoutmoreaboutchargebacks,orforadviceonhowtopreventdisputes – please visit barclaycard.co.uk/business/retrievals

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Pre-authorisation transaction ID numbersWhen you process a pre-authorisation transaction, the card issuer will return a unique transaction ID that will be printed at the bottom of your copy of the receipt. This can be up to 19 characters long made up of both letters and numeric digits. You’ll need this number when you process the completion transaction.

Take actionAs a Barclaycard merchant, you don’t need to do anything. From 1 March 2016, your terminal will update automatically on your monthly maintenance call. After your terminal has been updated you’ll notice some changes as detailed below:

1. When you process a pre-authorisation, a unique transaction ID will be returned

2. If you need to process another pre-authorisation to secure additional funds, a new transaction ID will be returned

3. When you process a completion transaction, you’ll need to enter the last transaction ID when prompted

Important because:It’s a card scheme mandated requirement. So although you don’t have to make any updates to the terminal software yourself, it’s important you know exactly what this change means for your business.

If you’d like to find out more about the update to pre-authorisation transactions – please contact your Account Development Manager if you have one, or call us on 0844 811 6666* and we’ll be happy to help.

New update to pre-authorisation transactions

<Merchant Name><Address Line 1><Address Line 2>

<Advert Line 1>

<Advert Line 2>M1234567890 TIDI16900123AID : A0DD00031010VISA

VISA**** **** **** 0007EXP 04/08ICC PAN.SEC 00

<Advert Line 3>

<Advert Line 4>

PRE-AUTHORISATIONCARDHOLDER COPYPLEASE KEEP THIS RECEIPT FOR YOUR RECORDS

AMOUNT £200.00

Verified by PINTHANK YOUPLEASE CALL AGAIN16:00 26/01/06AUTH CODE: 123456TXN ID: 123456789012

34567890

RECEIPT 0001

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Receipt showing pre-authorisation number

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Protect your business from fraud today

The background: To help protect your business from fraud we’ve put together some top tips to keep your payment terminals and transactions safe.

Important because: If you don’t take extra precautions, you’re potentially opening your business up for criminals to carry out fraudulent activity – which could have an effect on the future of your business and your employees.

Take action• Keep your terminals secure – make sure staff are aware of maintaining

control of terminals at all times and don’t leave the terminal unattended when customers are entering their PINs

• Keep terminals out of sight – store them in areas that can only be accessed by staff members, for example under or behind the counter. Avoid unplugging or disconnecting terminals – they need to stay connected so that your software can be updated correctly

• Limit the number of people who can complete refunds – reduce the chance of fraud by only giving more senior or selected members of your team the ability to complete refunds

• Run a full report each day – if you notice any suspicious activity, let us and your Head Office know straight away

• Report it – if an incident occurs, report it to the police immediately. Ask for a Crime Reference Number and try to retain any evidence including CCTV where possible

• Look after your staff – most importantly, make sure your staff members are safe at all times. Let them know that if they experience any incidents, their safety and security is the most important thing

If you have any questions, concerns or you notice anything suspicious please call the Contact Centre on 0844 811 6666* (option 1, then option 4).

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The Verified by Visa logo is changing

The background: Visa changed its brand mark in June 2014 and now Visa Europe is introducing a new Verified by Visa logo.

This will apply to websites and issuer authentication pages.

Take actionIf you feature the Verified by Visa logo anywhere, please plan to update it and use the new one.

If you use one of Barclaycard’s products – you don’t need to do a thing. We’ll make sure everything is updated in the back office.

You can download a new Verified by Visa logo from: barclaycard.co.uk/business/logos

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This information is available in large print, Braille and audio, by calling 0844 811 6666*.*Call charges apply. Calls to 0844 numbers (for BT business customers only) will cost no more than 5.11p per minute, minimum call charge 6p (current at January 2016). (The price on non-BT phone lines may be different) Calls may be monitored and/or recorded.

Barclaycard is a trading name of Barclays Bank PLC. Barclays Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 122702). Registered in England No. 1026167. Registered Office: 1 Churchill Place, London E14 5HP.  Barclays Bank PLC subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board.

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