Latest updates

Card payment processing is a highly regulated industry, since it deals with sensitive, private financial information. These regulations protect all parties involved — cardholders, merchants, acquirers and issuing banks. Elavon stays current and compliant with all applicable regulations. Our goal is to ensure you're aware of what's happening within the industry, in order to remain compliant. See below for the latest news relating to card brand changes, customer updates and data security.

Latest news

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VISA: Transaction Receipt Changes

6 January 2020

Visa has announced a series of changes to its rules and requirements regarding the provision of transaction receipts. These are aimed at streamlining requirements to bring them up to date with market needs and best practice.

VISA: Promotions and Free Trials

6 January 2020

From April 18, 2020 Visa is updating its rules related to transactions for merchants that offer free trials or introductory offers as part of an ongoing subscription service.

VISA & MASTERCARD: Revised Contactless Limits

6 January 2020

Visa and Mastercard are making some changes to the Contactless (CVM) Limit. This is the point at which PIN verification becomes required.

VISA Reminder: Sales Tax Rebates

6 January 2020

This is a reminder to all customers wishing to return tax payments to qualifying consumers that the refund transaction type should not be used for the return of sales tax to cardholders. The refund transaction type can only be used to correct a sale.

ALL CARD BRANDS Reminder: 8-digit BINs (Industry readiness)

6 January 2020

To overcome a shortage of available numbers, starting in April 2022, all card schemes are working towards expanding the available ranges by instigating an 8-digit BIN code across their networks.

ALL CARD BRANDS Reminder: Everyday BIN table management

6 January 2020

Maintaining updated BIN range tables is vital for authorisation routing and fraud detection. Failure to update BIN tables can impact the profitability of your business, as consumers will be unable to make purchases using valid cards.

Your rights when making payments in Europe

19 December 2019

EU rules mean your electronic payments are becoming cheaper, easier and safer. Here’s how.

Brexit - What you need to know

16 November 2020

Elavon Financial Services DAC (“Elavon”) established a Brexit Programme Office to prepare for a no deal Brexit and provide uninterrupted service to our UK and international-based customers after Brexit by establishing legal entities in the UK and EU.

Card brand and regulatory changes: October 2020

20 August 2020

As your payments partner, we are committed to keeping you up to date with industry changes and card-brand developments. There are 11 updates and reminders included here.

Migration to a new digital certificate and port number

29 October 2020

Payment data security is critical to your business. To ensure that your terminal complies with the latest industry security requirements, we will soon commence the roll out of a new and more secure digital certificate.

Card Brand Changes - 01 April 2020

31 January 2020

As your payments partner, we are committed to keeping you up-to-date with industry and card brand developments.

Managing airline customer disputes and chargebacks due to Coronavirus

24 March 2020

We understand the challenges that face the airline industry due to Covid-19, which impact us all.

Mastercard: 3D secure affecting eCommerce

24 February 2020

Mastercard is now preventing customers from bypassing the Mastercard Directory Server for 3DS 1.0 transactions before submitting those transactions into authorisation

All Card Brands: Retiring mag-stripe

24 February 2020

To ensure the continued security of transactions, it will be compulsory to remove Mag-Stripe Mode from all contactless device specifications. Going forward, only EMV mode will be supported

Visa & Mastercard: Refund authorisations

24 February 2020

Visa and Mastercard now require that transactions relating to returned products, cancelled services or price adjustments related to prior purchases are authorised as are debit transactions

Visa: Cashback limit changes affecting Switzerland

24 February 2020

From 13 June 2020, Visa is set to amend the cashback purchase limits in Switzerland to a minimum of CHF 20 and a maximum of CHF 300. The Mastercard minimum cashback amount remains at CHF 10

All Card Brands: AMLD5 relating to anonymous prepaid cards

24 February 2020

The EU Commission has issued new legislation aimed at vulnerabilities relating to anonymous prepaid products, as the Anti Money-Laundering Directive 5 (AMLD5) comes into effect

Visa: 3D secure affecting eCommerce

24 February 2020

In response to the requirement for Strong Customer Authentication (SCA) as part of PSD2, Visa expects all parties in the ecosystem to deploy EMV 3DS 2.2 no later than 16 October 2020

All Card Brands: Consistent and improved customer experience

24 February 2020

Make sure you meet consumer expectations by creating a consistent, improved experience at the point of sale (POS) – drive awareness of ‘tap to pay’ and deliver a best-in-class consumer experience

Visa: Response codes for Strong Customer Authentication response

24 February 2020

After the introduction of Strong Customer Authentication (SCA), under PSD2, Visa has introduced new authorisation response codes to help achieve an optimal experience for cardholders

Visa: Account verification usage

24 February 2020

Visa has stated that customers wanting to perform verification of a card account, prior to any amount being debited, must use the correct identifiers and a zero-amount in those verification requests

European Commission Decision: Inter-Regional Interchange Rates Reduction

12 June 2019

The European Commission has announced its decision to adopt revised inter-regional interchange rates. These new interchange rates apply to international consumer transactions at merchants in the European Economic Area (“EEA”). The new rates are;

Interim Solution Instruction for the Travel and Hospitality Industry

21 September 2020

Travel and Hospitality industry compliance with the strict interpretation of the Regulatory Technical Standards (RTS) for the Payment Services Directive 2 (PSD2) Strong Customer Authentication (SCA) will only be possible once the entire supplier chain has been upgraded to support the transfer of authentication data from the point of first cardholder contact (Bookings via direct or indirect sales channels), through to the merchant of record (your business).

PSD2 – latest update

9 September 2019

Visit our new PSD2 customer page designed to inform and help you through the transition period.

Card brand and regulatory changes: July 2020

26 June 2020

As your payments partner, we are committed to keeping you up-to-date with industry changes and card brand developments. There are 12 updates and reminders included here.

Update to the Definition of Secure and Non-Secure Transactions

9 January 2019

Elavon recently informed you of an update to the definition of secure transactions as outlined in the Schedule of Fees (SOF) effective from 1 January 2019. The update relates to the treatment of secure and non-secure transactions.

Strong Customer Authentication in Travel & Hospitality: Your questions answered

16 July 2020

What does Strong Customer Authentication mean for your business and your customers? Please join Elavon Europe and UK Finance as we explore the challenges it presents for the travel and hospitality sector, the benefits, and how you can meet the looming deadline.

Brexit - what you need to know

16 December 2018

We know that many of our customers are assessing the impact of Brexit and what will happen after the United Kingdom (UK) leaves the European Union (EU).

Data Security: July 2020

3 July 2020

Organisations that handle card payments are at risk from cardholder details being stolen. High-profile cases make the news, but the problem affects businesses of all sizes.

Elavon UK customer update - COVID-19 pandemic preparedness

11 March 2020

Elavon UK pandemic preparedness - precautions to minimise risk to our employees, partners, customers and operations

Visa: Stored Credential best practices

11 March 2020

Read Visa’s dedicated guide to store credentials, to help customers comply with mandatory requirements and take advantage of the benefits of the Stored Credential Transaction framework

Mastercard: Card changes

11 March 2020

Mastercard has introduced its Debit Mastercard in Spain, Portugal, France and Liechtenstein. Customers can automatically accept these new card ranges if their BIN data is updated regularly

Visa & Mastercard: Impact of non-compliance with changes to Dynamic Currency Conversion

11 March 2020

Visa & Mastercard: Impact of non-compliance with changes to Dynamic Currency Conversion

Visa: Changes to the contactless CVM Limit for Poland and Belgium

11 March 2020

From 17 July 2020, Visa is increasing the CVM limit in Poland from 50 zł to 100 zł. From October 2020, Visa will increase the CVM limit in Belgium from €20 to €25

Card machine tips

18 March 2020

Where possible, please encourage your customers to make contactless payments. This will minimise physical interaction with your card machine. In addition, card machines should be thoroughly and regularly cleaned.

Covid-19: Business Continuity

18 March 2020

We are working to support you and want to assure you that continuity plans are now in action to keep our business running, so you can keep doing what you do.

Contactless payments limit increase

18 March 2020

In light of the current Covid-19 environment, the UK payments industry has taken the decision to increase the contactless limit to £45 from £30.

Chargeback and dispute management relating to Covid-19

18 March 2020

We are actively working with card brands to bring you the most up to date information in relation to chargebacks. Dispute policies have not changed but we are encouraging our customers to actively manage and attempt to resolve disputes as they arise.

Fraud Alert Notification

29 November 2019

As your payments provider we’re always looking for ways to help you to process card payments efficiently. We have seen a rise in recent months of fraudsters initiating fraudulent sales and refunds by distraction of a cashier or access to a card terminal that was not properly secured.

Important information - products incorrectly mapped under EEA tiers

23 February 2020

Certain products were incorrectly classified under European Economic Area (EEA) tiers and thereby added to all existing Unblended Pricing across all EU currencies from April 2018 February 2020.

Is your website still using Magento 1 software?

19 June 2020

If so, your website will no longer be supported by Magento after 30 June 2020. There will be no further patches (including important security updates) released. This has some important payment security implications for you.

New Payment Services Directive (PSD2) legislation from the EU

12 January 2018

The EU has updated the Payment Services Directive (PSD) in order to enhance payment services market efficiency and competitiveness, consumer protection and transaction security, the new Directive is called PSD2. As a result, you have new rights and obligations under PSD2 from 13 January 2018.

ID Pal Application

23 October 2019

Further to our letter requesting a completed Beneficial Ownership form and valid photo ID, you can download our secure ID Pal application to your Mobile, Tablet or PC

Rebooting, cleaning and troubleshooting card machines

9 June 2020

How to disinfect, restart and download updates to your card machine if it has not been used for a while.

Urgent security update required for your MobileMerchant app

7 August 2018

As your payment provider we are committed to ensuring that our customers comply with industry security requirements for the processing of all types of card transactions. We want to let you know about a critical update for your MobileMerchant app.

Card verification value no longer allowed on mail order forms

18 February 2018

To protect consumers and the payments network from potential data compromises, Visa mandated that merchants should not include Card Verification Value (CVV2) data in authorisations for mail order transactions effective from 21 April 2017.

Preparing your payment software for 3-D Secure

18 February 2018

3Ds enables consumers to authenticate themselves with their card issuer when making card-not-present (CNP) and mobile purchases. The additional security layer helps prevent unauthorized CNP transactions and protects the merchant from CNP exposure to fraud.

New Self-Assessment Questionnaire now available

18 February 2018

Self-Assessment Questionnaires (SAQ) forms are used by some eligible merchants to report the results of a Payment Card Industry Data Security Standard (PCI DSS) self-assessment.

IATA Accredited travel agents compliance requirements

18 February 2018

The travel industry has come under repeated and targeted attack from hackers who are increasingly finding opportunities to gain access to significant quantities of card payment data and personal information from customers.

Double Swiping no longer permitted

18 February 2018

Do you double swipe your customers’ payment cards for fraud check, reward scheme or marketing purposes? You should stop immediately if you are still doing this process. Here’s why you shouldn’t.

Elavon Connect – constantly evolving

8 September 2020

If you’re already familiar with our reporting portal, Elavon Connect, then check out the updates we’re constantly making, based on your feedback.

PSD2 Frequently Asked Questions (FAQs)

26 January 2020

Our top 10 PSD2 frequently asked questions.

Card brand fee changes from July 2020 for Interchange ++ customers

31 July 2020

Outlined are the pricing changes being introduced by the card brands, Visa, Mastercard and Diners Club.

Guiding you through PSD2

21 May 2019

The European Commission introduced the Payment Services Directive 2 (PSD2) to make payments safer, increase consumer protection and to foster innovation and competition. One of the more significant impacts of PSD2 relates to eCommerce transactions and the need to implement Strong Customer Authentication (SCA) from 14th September 2019.

Urgent update required for your payment processing solution

15 May 2018

As your payment provider we are committed to ensuring that our customers comply with industry security requirements for the processing of all types of card transactions. We want to let you know about a critical deadline that is approaching fast.

Important information

8 June 2020

Please find an update on statement, adjustments and terminal information related to Covid-19 crisis here.

General Data Protection Regulation (GDPR) – what you need to know about the new EU data protection law

26 March 2018

You may have heard about General Data Protection Regulation (GDPR) cropping up quite a bit in conversation or have come across it on the social channels which you use. You may know all about it already which is great, or you may not be sure what it’s really all about.

Ban on surcharge

26 March 2018

One significant change introduced by PSD2 which you may be aware of is the ban on “surcharging”. This occurs when an additional fee is added to the transaction value for card payments. Please note that this does not constitute changes to your Customer Agreement with Elavon.

Clarification to the wording on your Schedule of Fees

26 March 2018

Clarification to the wording on your Schedule of Fees- 27 March 2018. This amendment reflects the Card Scheme rules in relation to processing of secure Visa domestic transactions, which must be submitted to Elavon within two days in order to be treated as “Secure Transactions”.

Summary of key changes to your Elavon Terms of Services

26 March 2018

Summary of key changes to your Elavon Terms of Services - 27 March 2018

Changes to the Visa Chargeback process as of 15 April 2018

26 March 2018

Visa is changing the way it handles disputed transactions (also known as Chargebacks) within the payments industry with effect from 15 April 2018 by introducing the Visa Claims Resolution (VCR) initiative. This aims to improve the efficiency of handling disputes and reduce the number of invalid Chargebacks.

Brexit - Customer and Partner update

30 January 2020

On 31 January, the United Kingdom leaves the European Union with an agreed withdrawal agreement in place. Elavon Financial Services DAC (“Elavon”) is committed to providing uninterrupted services to all our customers during and after the withdrawal process.

Card Scheme News - Update

18 September 2019

As your payments partner, we are committed to keeping you up-to-date with industry and card scheme developments. The purpose of this communication is to advise you of new pricing changes being introduced by Visa and Mastercard.

Updated Terms of Service (TOS) – Effective 14 September 2019

30 June 2019

Elavon has updated its Terms of Service, effective from 14 September 2019. There are three main areas of changes: 1) As a result of the introduction of the Payment Services Directive 2 (PSD2); 2) Updates to Data Security Payment Card Industry (PCI); and 3) Elimination of the Libor interest rate from the provision about the maximum interest rate.

Card Brand Airline Impacts

26 September 2020

Elavon is aware of the impacts to the numerics used in the card brand payments systems and has taken the steps to support the migration to an eight-digit IIN (BIN). Full implementation for all card brands is targeted for April 2022.

 

Guiding your through PSD2: Interim Solution Instruction for the Travel and Hospitality Industry Read more

 

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