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� ' ' 6.1.D. - Page 17
<br /> . � description may be accepted.Pursuant to an alliance with MasterCard,
<br /> Diners Club Cards issued in the United States and Canada are being
<br /> � , • � � • , re-issued with a sixteen(16)digit account number the first two digits of
<br /> which are now fifty-five(55)and with the MasterCard mark and hologram
<br /> This part of the Program Guide(through Section 13)describes the on the front of the Diners Club Card.These Diners Club Cards shall be
<br /> procedures and methods for submitting Credit Card transactions for accepted and processed in the same manner as MasterCard transactions.
<br /> payment,obtaining Authorizations,responding to Chargebacks and Media Diners Club International Cards that are issued outside the U.S.and Canada
<br /> Retrieval Requests,and other aspects of the operations of our services. may be re-issued with the MasterCard mark on the back of the Card.These
<br /> Processor is a full-service financial transaction processor dedicated, Diners Club Cards will have account numbers that are fourteen(14)digits,
<br /> among other processing services,to facilitating the passage of your Sales the first two digits or which are thirty-six(36).When these Diners Club Cards
<br /> Drafts back to the thousands of institutions who issue the MasterCard� are used within the United States,Canada and other designated areas,
<br /> Visa�and Discover Cards carried by your customers,as well as to the they will be processed as MasterCard transactions.Beginning Jan 2006,
<br /> independent Card Issuers of American Express�/Optima�and JCB.� MasterCard has a new Card design significantly different from the previous
<br /> The Operating Procedures contained in this part focus primarily on the description.You are required to familiarize yourself with the new design
<br /> MasterCard,Visa and DiscoverAssociations'operating rulesand regulations, byconsulting a document"MasterCard Card Identification Features."You
<br /> and seek to provide you with the principles for a sound Card program. may download the document free of charge from MasterCard's website at
<br /> They are designed to help you decrease your chargeback liability and http://www.mastercardmerchant.com.Both the old and new MasterCard
<br /> train your employees.(In the event we provide Authorization,processing Card designs will be circulating concurrently in the marketplace through
<br /> or settlement of transactions involving Cards other than MasterCard,Visa the year 2010.Only MasterCard Cards fitting the old or new descriptions
<br /> and Discover,you should also consult those independent Card Issuers' may be accepted.
<br /> proprietary rules and regulations.) Discover: All valid standard rectangular plastic Cards bearing the
<br /> The requirements set forth in these Operating Procedures will apply Discover Acceptance Mark or the Discover/NOVUS Acceptance Mark,as
<br /> unless prohibited by law.You are responsible for following any additional indicated below,include the following common characteristics and
<br /> or conflicting requirements imposed by your state or local jurisdiction. distinctive features.
<br /> , � • Card Numbers comprising at least 16 digits are displayed on the front
<br /> of the Card.
<br /> 1.1. Card Descriptions.At the point of sale,the Card must be carefully . Card Numbers are clear and uniform in size and spacing within
<br /> examined to determine whether it is a legitimate and valid Card.The
<br /> name of the Card(e.g.,Visa,MasterCard or Discover)should appear in groupings.
<br /> bold letters on the Card.For all MasterCard and Visa Cards and some • Expiration date,if present,appears in mm/yy format and indicates the
<br /> Discover Cards,the Card Issuer(e.g.,XYZ Bank,etc.)should also appear in last month in which the Card is valid.
<br /> bold letters on the Card.The following is a description of the authorized • Cards manufactured before October 3,2008,display the Discover
<br /> Visa,MasterCard and Discover Card designs: three-dimensional hologram,bearing a distinct circular shape and
<br /> Visa: Visa Cards have the Visa symbol on the right-hand side of the Card. images of a globe pierced by an arrow,water,and stars on a repetitive
<br /> Above the Visa symbol is the 3-dimensional hologram of the Visa Dove pattern background(the"Discover Hologram")on the front of the Card.
<br /> design.The expiration date must be followed by one space and the symbol . The Discover Hologram reflects light and appears to move as the Card
<br /> "V':Visa Cards contain a 16-digit account number embossed across the is rotated.
<br /> middle of the Cards and the first digit is always a four(4).In addition,the
<br /> Classic and Preferred Cards have the first four digits of the account number ' All Cards display a magnetic stripe on the reverse side of the Card.
<br /> printed directly below the embossed number.You must always check Cards manufactured on or after October 3,2008 feature a three-
<br /> these numbers carefully to ensure that they are the same.Beginning dimensional holographic design that is incorporated into the magnetic
<br /> January 2006,Visa has a new Card design which differs significantly from stripe.A series of distinct circular shapes will be visible across the
<br /> the previous description.You are required to familiarize yourself with the length of the magnetic stripe,with blue glows between each shape.
<br /> new design by consulting the document entitled"Card Acceptance and When the Card is rotated,the holographic design will reflect light and
<br /> Chargeback Management Guidelines for Visa Merchants"(VRM 08.12.16). there will be apparent movement and color switching within the
<br /> You may download the document free of charge from Visa's website at circular shape.
<br /> http://www.visa.com/merchant or order a hardcopy to be mailed to you • Cards displaying either the Discover Hologram or the holographic
<br /> for a nominal charge by telephoning Visa Fulfillment at 800-VISA-311. magnetic stripe are valid after the effective dates indicated above,
<br /> Both the old and new Visa Card designs will be circulating concurrently in with the Discover Hologram eventually replaced by the holographic
<br /> the marketplace through the year 2010.Only Visa Cards fitting the old or magnetic stripe for new Cards.Although both the Discover Hologram
<br /> new descriptions may be accepted. and the holographic magnetic stripe will each appear on Cards,valid
<br /> Beginning May 2008,Visa issued a new card design for un-embossed Cards will not display both designs.
<br /> Visa cards.Unlike embossed Visa cards with raised numbers,letters and • Depending on the issuance date of the Card,the word"DISCOVER"will
<br /> symbols,the un-embossed card has a smooth,flat surface.Because of the appear in ultraviolet ink on the front of the Card when it is held under
<br /> un-embossed cards flat surface,it cannot be used for transactions that an ultraviolet light.
<br /> require a card imprint.Un-embossed cards can only be used by merchants . An underprint of"void"on the signature panel becomes visible if
<br /> who process with an electronic Point Of Sale Terminal.As a result,the erasure of the signature is attempted.
<br /> bottom of the card bears the following note,"Electronic Use Only:'
<br /> • The Card Number or the portion of the Card Number displayed on the
<br /> MasterCard: MasterCard Cards are issued under the following names: signature panel on the back of the Card should match the number dis-
<br /> MasterCard,EuroCard,Access,Union,Million and Diamond.The played on the front of the Card and appear in reverse indent printing.
<br /> MasterCard symbol appears on the front or back of the Card.MasterCard
<br /> and the Globe designs appear in a 3-dimensional hologram above the • CID must be printed in a separate box to the right of the signature
<br /> symbol.In addition,the words Classic,Preferred,Gold or Business may panel on the back of the Card.
<br /> appear.MasterCard account numbers are sixteen(16)digits,and the first • An overprint on the signature panel reads"Discover."On some cards,
<br /> digit is always a five(5).The first four digits of the account must be printed the overprint may display the name of the Card(i.e.,Discover,
<br /> directly below the embossed number.Only MasterCard Cards fitting this Discover 2G0�,Discover Platinum).
<br /> WFB1301 3
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