Automated Credit & Debit Card Processing 24/7 by Telephone & Web

Security / Compliance

PCI-DSS Compliance is Essential For Your Business

Use Our PCI-DSS Level 1 Compliant Card Payment services for Your Peace of Mind
Now compliant with the latest: v 3.2

The security of our systems is independently assessed and constantly monitored by our Award-winning Cyber-security consultant organisation.

Our Payment Processing can be simply integrated with your website, with our fully web configurable Telephony services, or any combination of these to meet your business needs. Add auto-updating of your CRM program to substantially reduce your administration requirement. Available 24 x 7 so that you can focus on improving profitability and cash flow! Comprehensive reporting included!

PCI Compliant processing and call recording with calls routed to your sales staff, including homeworkers. Tokenisation for repeats and refunds.

Concerned that you might not be compliant in respect of your data capture and storage processes but don’t want to change your Payment Service Provider? – Get in touch, we may be able to help!

Mobile Chip and Pin and Contactless Payments

Available utilising a secure Chip and Pin mobile card reader which can process payments via our unique payment and data integration application installed on a mobile device and fully integrated with our payment service.

The complete Keyline Telepay solution is Bluetooth connected to the mobile device and is designed to be used with a small mobile printer that can be configured to produce receipts and other documents related to the payment process.

The Pin entry Devices are configured with unique encryption keys to ensure the integrity of each transaction and its identity is also established with our payment system so you can be sure of the security of your customer’s data.

This solution is designed to work where payments are to be taken with the card holder present and, ideally when in the vicinity of a WiFi signal or the Mobile device’s data signal. It is especially designed to cope with payments being made in public transport environments.

GETTING STARTED TO BE FULLY PCI COMPLIANT

The Payment Card Industry Data Security Standard (PCI DSS) applies to companies of any size that accept credit card payments.

If your company intends to accept card payment, and store, process and transmit cardholder data, you need to host your data securely with a PCI compliant hosting provider.

KEYLINE can help you with these important requirements in relation to taking card payments on your Website and by Automated Telephony / IVR.

Merchant Accounts

For us to be able to process payments on your behalf you must either have, or intend to obtain, a Merchant Account with one of the UK’s acquiring banks

An Acquiring Bank is one which has the facilities to be able to process card payments for the different Debit and Credit Card Schemes such as VISA, MasterCard, Maestro, Maestro International and JCB

The Merchant Account is an agreement you have with the bank that allows you to process card payments and defines the basis on which it will be done.

A successful application to them by you will result in the issue of a Merchant number which we can use to process payments on your behalf.

Merchant accounts are generally of two types: 

• Mail Order, Telephone Order (MOTO) – payments processed during a phone call.
• E-commerce – payments originating from web sites or payment pages

Both of this type of account are used when the Cardholder is not present at the retailer’s location when the payment is made.

These are generally referred to as “CNP transactions”

To enable that Merchant account for use with our payment service we allocate one, or more, Terminal ID numbers that identifies us as the specific payment provider with your acquiring bank.

There is no limit to the quantity of terminal IDs but it is usual to have one for each different application and service that we may create for you.

Multi Currency options

Whilst merchants in the UK typically trade using Sterling as the currency, there are merchants who take advantage of the Multi Currency options that are available particularly those businesses that trade within the Eurozone where the Euro is predominant.

Options available include being able to pay the chosen currencies into designated bank accounts or to have it converted into Sterling by your acquirer.

If you would like some help or advice please do get in touch either by phone, e-mail or the contact us form of this website.

Merchant Location and Disclosure requirements

Both MasterCard and VISA require that e-commerce and MOTO merchants must display the address, including the country, of their permanent establishment on their web sites at all points of interaction with the cardholder.

A merchant web address or catalogue must be associated with only one merchant location.

Note that URLs, Post Office Box numbers, server locations and unassociated warehouses do not meet the requirement. In particular the required details must be displayed on any checkout screen.

It is NOT necessary to publish the house number or street where the merchant conducts business from their personal location.

If the MOTO merchant does not have a website the cardholder must be notified of the required details before a transaction takes place.

We are Accredited with the following Acquiring Banks to process transactions on behalf of their merchants:

• Barclaycard Business
• WorldPay (Streamline, Royal Bank of Scotland, Nat West)
• HSBC (Globalpay)
• First Data Merchant Services (Bank of Scotland)
• Lloyds/TSB

If you have a merchant account with one of these Acquiring Banks then we can process card payments on your behalf.

If you do not have a Merchant Account you will need to obtain one from one of the above Acquirers.

In order for us to set up your Keyline Telepay  payment processing account with your chosen acquirer we need information from you that may differ depending upon which of them you will be using.

 

Acquiring Bank

• Barclaycard Business

Comments

We cannot use a merchant account that was issued to you for use with their PDQ machines so you will need to apply to them for a suitable alternative one.

If you already have one of their merchant accounts it should be fairly straightforward to obtain another for MOTO or e-commerce

Barclaycard are likely to review your web site Terms and Conditions and your returns policy for e-commerce accounts

Mail Order applications (MOTO)

Standard Merchant account
This is used for “cardholder not present” transactions (CNP) typically when customers call you or your automated phone service

e-Commerce

Internet Merchant account
This is used for “cardholder not present” transactions (CNP) typically when customers are buying from your web site or via linked payment pages

This is generally a different merchant agreement to that for a standard MOTO account

Additional Information required

The Merchant account number (MID) and name associated with each one. If you have multi-currency accounts please state which currency applies in each case

You should have been issued you with a “company number”. This would be an umbrella reference in case you obtain multiple merchant accounts

It is a mandatory requirement, of MasterCard and VISA, that you disclose your country and location to the cardholder prior to them making a payment for goods or services.

 

Acquiring Bank

• Streamline
• Royal Bank of Scotland
• Nat West Bank

Comments

We should be able to utilise an existing Merchant account but, depending upon which type you have, you may need to apply to them for a suitable alternative one.

If you already have one of their merchant accounts it should be fairly straightforward to obtain another for MOTO or e-commerce

Worldpay are likely to review your web site Terms and Conditions and your returns policy for e-commerce accounts

Mail Order applications (MOTO)

Standard Merchant account
This is used for “cardholder not present” transactions (CNP) typically when customers call you or your automated phone service

Merchant Account for Recurring Transactions

You will need this type of account if you want us to process payments using the cardholder’s original details and for which you have their permission to do so.

e-Commerce

Internet Merchant account
This is used for “cardholder not present” transactions (CNP) typically when customers are buying from your web site or via linked payment pages

This is generally a different merchant agreement to that for a standard MOTO account

Additional Information required

The Merchant account number (MID) and name associated with each one.

If you have multi-currency accounts please state which currency applies in each case

You should have been issued you with a “company number”. This would be an umbrella reference in case you obtain multiple merchant accounts

It is a mandatory requirement of MsterCard and VISA that you disclose your country and location to the cardholder before they make a payment for goods or services

 

Acquiring Bank

• Globalpay

Comments

We should be able to utilise an existing Merchant account but, depending upon which type you have, you may need to apply to them for a suitable alternative one.

If you already have one of their merchant accounts it should be fairly straightforward to obtain another for MOTO or e-commerce

HSBC are likely to review your web site Terms and Conditions and your returns policy for e-commerce accounts

Mail Order applications (MOTO)

Standard Merchant account
This is used for “cardholder not present” transactions (CNP) typically when customers call you or your automated phone service

e-Commerce

This is used for “cardholder not present” transactions (CNP) typically when customers are buying from your web site or via linked payment pages

This is generally a different merchant agreement to that for a standard MOTO account

Additional Information required

The Merchant account number (MID) and name associated with each one.

If you have multi-currency accounts please state which currency applies in each case

It is a mandatory requirement of MasterCard and VISA that you disclose your Country and location to the cardholder before they make a payment for goods or services

 

Acquiring Bank

• Bank of Scotland

Comments

We should be able to utilise an existing Merchant account but, depending upon which type you have, you may need to apply to them for a suitable alternative one.

If you already have one of their merchant accounts it should be fairly straightforward to obtain another for MOTO or e-commerce

Your acquiring Bank are likely to review your web site Terms and Conditions and your returns policy for e-commerce accounts

Mail Order applications (MOTO)

Standard Merchant account
This is used for “cardholder not present” transactions (CNP) typically when customers call you or your automated phone service

e-Commerce

This is used for “cardholder not present” transactions (CNP) typically when customers are buying from your web site or via linked payment pages

This is generally a different merchant agreement to that for a standard MOTO account

Additional Information required

The Merchant account number (MID) and name associated with each one.

If you have multi-currency accounts please state which currency applies in each case

It is a manadatory requirement of MasterCard and VISA that you disclose your Country and location to the cardholder before they make a payment for goods or services

Acquiring Bank

• CardNet

Comments

We should be able to utilise an existing Merchant account but, depending upon which type you have, you may need to apply to them for a suitable alternative one.

If you already have one of their merchant accounts it should be fairly straightforward to obtain another for MOTO or e-commerce

Lloyds TSB are likely to review your web site Terms and Conditions and your returns policy for e-commerce accounts

Mail Order applications (MOTO)

Standard Merchant account
This is used for “cardholder not present” transactions (CNP) typically when customers call you or your automated phone service

e-Commerce

This is used for “cardholder not present” transactions (CNP) typically when customers are buying from your web site or via linked payment pages

This is generally a different merchant agreement to that for a standard MOTO account

Additional Information required

The Merchant account number (MID) and name associated with each one.

If you have multi-currency accounts please state which currency applies in each case

It is a mandatory requirement of MasterCard and VISA that you disclose your Country and location to the cardholder before they make a payment for goods or services

APPLICATIONS

Call Centres

Technical Support

Vertical Markets

Charities

Bailiffs

Debt Collection

Local Government

Racing Tipsters

Tarot Services

Telecoms

Utilities

Business Benefits

Reduction in call centre staffing costs

Eliminate human error

24 x 7 card processing

Accepts all major credit cards

Validates payment data

Automatically updates debtor software