Clydesdale Bank and Yorkshire Bank Merchant Services is a service provided by Worldpay (UK) Ltd.
When it comes to taking credit and debit card transaction security is a top priority for any business. To minimise the risks associated with accepting card payments there are a number of practices that you can adopt to take secure and safe transactions and help protect your business from fraud.
When storing or processing card payments - your business must comply with the Payment Card Industry Data Security Standard (PCI DSS). This is a set of mandatory requirements to help ensure safe handling of card payment data. It applies to all businesses that take credit and debit cards, regardless of size or transaction volume.
The SaferPayments programme, available through our payment service provider Worldpay, is designed to give your business a helping hand through the PCI DSS certification process. Becoming certified as compliant takes as little as 30 minutes and with the SaferPayments programme you’ll receive:
By using the SaferPayments programme, you’ll avoid all non-compliance fees and additional PCI DSS charges once you become certified as compliant:
^ If you use the Safer Payments programme once certified it means that should Worldpay be fined by the card scheme as a result of a data breach experienced by you, they will waive their right to pass the first £35,000 of fines on to you.
Worldpay, our payment service provider, will contact you within 6 weeks of becoming a customer with more details on registering for the SaferPayments programme and becoming PCI DSS compliant.
A £29.99 annual management fee applies to all customers, irrespective of their PCI DSS compliance status. This fee reflects the management of your PCI DSS compliance, along with initial and ongoing costs of implementing the SaferPayments programme and ensuring that you have a mechanism to validate your PCI DSS compliance. If you do not certify as PCI DSS compliant then a £9.99 monthly non-compliance fee will also apply.
If you have any questions about becoming PCI DSS certified, please contact 0330 808 0663.
Terms and conditions apply. Fees are charged by Worldpay.
Cardholder authentication (Mastercard® Securecode™ and Verified by VISA) is a cost-effective way to protect your business from eCommerce fraud by ensuring the cardholder is the person to whom the card was issued.
By using cardholder authentication the liability for the chargeback loss shifts from your business to the issuing bank, for eCommerce transactions that are deemed fraudulent (those transactions where the cardholder has denied involvement in the transaction). The issuing bank, in most cases, is no longer allowed to pass such chargebacks back to the merchant.
Please be aware that there are a number of restrictions and you can still receive chargebacks for other reasons, such as duplicated processing, goods not received and no authorisation.
The Address Verification System (AVS) is a free and easy service which will increase your chances of avoiding fraud when accepting card not present (CNP) transactions. AVS allows you to check the numerical portion of a cardholder’s address and the card security code (also known as CVC/CVV) either on your card machine or when calling for a CNP authorisation.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
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Clydesdale Bank and Yorkshire Bank Merchant Services is a service provided by Worldpay (UK) Ltd. Registered in England No.07316500. Registered Office: The Walbrook Building, 25 Walbrook, London EC4N 8AF, United Kingdom. Worldpay (UK) Limited is authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (No 530923) for the provision of payment services. Registered with the Office of the Information Commissioner, registration Z2431349.
Yorkshire Bank is a trading name of Clydesdale Bank PLC.