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++ Visa's NEW Rules for UPSELLING : Are YOU Compliant? ++

Maybe you've seen it, maybe you haven't, but in the August issue of XBIZ World, our COO Melody L. offers some insight to the VISA RULES AND REGS (as of 6/11) as it pertains to UPSELLING in online business.

http://i1121.photobucket.com/albums/...sUpselling.png
To get up to speed, check it out directly on page 36 of the August Issue or in the digital version to ensure you're COMPLIANT

You are also welcome to contact us directly with any questions or comments!:)

Have a great weekend everyone! :thumbsup

Great write up and clarification!

I wonder how CCBill will change their forms.

Quote:

Originally Posted by Kolargol (Post 18366910)

I wonder how CCBill will change their forms.

I do'nt think it is ccbill the problem

Thank you for consistently keeping folks up to date on such matters L3!

Quote:

Originally Posted by pornmasta (Post 18366913)

I do'nt think it is ccbill the problem

That doesn't matter.. They still have to comply and their current cross sell form doesn't comply.

That is an interesting article.

i cant see shit,
can you cut and paste it here ??

Quote:

Originally Posted by slavdogg (Post 18367303)

i cant see shit,
can you cut and paste it here ??

Slav - simply click HERE and zoom in - I cant copy and paste from this comp.

ummmmmmmmmm its being cool ;)

Nice to know that there is a resource to look to in order to keep our collective asses out of hot water with regard to billing. I swear the more I learn about the entire process the more I realize how much more I have to learn.

Thanks for the informative article. It's compelling information for my clients.

Quote:

Originally Posted by L3 Payments (Post 18367320)

Slav - simply click HERE and zoom in - I cant copy and paste from this comp.

Doesn't work, think you need to pay? Says preview article then never loads :D

Quote:

Originally Posted by babymaker (Post 18372839)

Doesn't work, think you need to pay? Says preview article then never loads :D

Hi there...no, that service is entirely free try this:
(1) Got to http://xbizdigital.com
(2) Click on VIEW CURRENT ISSUE ONLINE
(3) The August issue *should* load for you...go to PAGE 36
(4) Enjoy!

can someone summarize what the new changes are?

Quote:

Originally Posted by K R I S T E N (Post 18372855)

Hi there...no, that service is entirely free try this:
(1) Got to http://xbizdigital.com
(2) Click on VIEW CURRENT ISSUE ONLINE
(3) The August issue *should* load for you...go to PAGE 36
(4) Enjoy!

Got it worked this time :) Good article :)

The text of the page:

Quote:

Visa released new requirements regarding high-risk transactions and this affects you! I constantly hear that one of the benefits to working with an IPSP is that you can cross sell with other sponsored merchants. As this was never the intent of Visa they have revised their operating regulations to make it explicitly clear what constitutes a cross-sell/upsell and what has to happen on this type of transaction.

Effective June 1, an upselling merchant is defined as "a merchant that offers a cardholder goods and/or services online through the initial merchant, but is not the initial merchant, a subsidiary or affiliate of the initial merchant with whom the cardholder initiated the transaction."

One could still argue that in an IPSP situation the IPSP is the initial merchant and the sponsored merchants (being the site owners) still fall under that umbrella of the initial merchant. That sounds like a good argument but then why is an ISPS required by Visa to differentiate the descriptor by sponsored merchant? I'll let you ponder that one.

To be sure you understand the requirements according to Visa, here is the exact language from the rules regarding the up-selling reqirements.

UPSELLING MERCHANT REQUIREMENTS

Effective in June, an upselling merchant must comply with all of the following:

Clearly disclose to the card-holder all of the following:

* The name of the upselling merchant offering the goods and/or services, in a manner that clearly differentiates the upselling merchant from the initial merchant

* A description of the goods and/or services being offered

* The length of the trial period, if offered, including clear disclosure that the cardholder will be charged unless the cardholder takes steps to cancel the subsequent transaction

* The transaction amount and transaction date for the goods and/or services purchased

* The cancellation policy for all goods and/or services being offered

Obtain an authorization for the initial transaction and any subsequent transactions, as specified in "recurring transaction processing"

Obtain express informed consent from the cardholder for the subsequent transactions by requiring the cardholder to undertake all of the following:

* Enter their personal account number for the subsequent transaction

* Enter the name and address and contact details of the cardholder

* Perform an additional affirmative action, such as clicking a confirmation button or other authentication, as permitted by local applicable law, to indicate cardholder consent for participation in the transaction.

Based on the language above, it can be deduced that if a consumer is being charged for more than one service by more than one merchant (not merchant account) that the customer will have to re-enter their information and provide explicit consent as described above. If you are currently leveraging this benefit of using an IPSP, it might behoove you to specifically ask your IPSP what their position is on this new regulation, and that they indemnify you from any fines from Visa for cross/up-selling or deceptive marketing practices.

Even if you are not currently leveraging cross-sells or upsells, I suggest that you evaluate your payment set up and understand your risks associated with it.

As you understand your exposure, consider the elements of your payment set up that would associate you to these types of transactions. In particular your customer service toll-free number, your descriptor, your customer service e-mail address and even your cancellation webpage.

If these items are not unique to you, then any investigations being conducted on other merchants could bring your activities into the spotlight.

Last I checked, it is never good to be in Visa's spotlight.

Man the xbiz digital is a bitch to get to zoom to a readable level from a Mac. Good info though. L3 has been doing a very good job of keeping Merchants in the loop on new regs!

well thought out article, it was a good read!

If I am reading this right, surfers will have to enter their CC details a second time for each cross sale and press a second submit button; essentially making this a separate transaction in the surfer's eyes. If this is the case, the days of the accidental cross sale are over.

... and 12clicks will be living in the woods eating grass.