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F15/062

Card processing questions

Request Description

Please could you supply the following information with regard to council facilities for accepting payments by credit and debit cards:

1.       At the time of receiving this request, has your payment processing provider written to you to explain Visa's forthcoming changes to debit card transaction processing interchange i.e. the switch from simply a "pence per transaction" charge to a charge determined as a combination of pence per transaction and a percentage of the value of that transaction?

2.       If you have received a notification letter, please could you attach a copy to your response.

3.       At the time of receiving this request, have you quantified the additional cost that will arise from the changes to debit card processing costs?

4.       If you have quantified the additional costs, what will these be?

5.       At the time of receiving this request, have you been notified by your card payment processor about the upcoming reductions to charges for processing face-to-face MasterCard consumer card transactions?

6.       Has your card payment processor confirmed that they will pass on to you the cost savings for MasterCard face-to-face consumer card transactions?

7.       When you receive invoices for card payment processing, which of the following do you verify:

a.       The total receipts?

b.      The rate applied to each transaction / card type - as against the contract?

c.       The mathematics e.g. Visa consumer transaction value £50,000 charged at 1.2% = £600.00?

d.      None of the above?

8.       Who is your current card payment processing provider?

9.       When does your current contract with your card processing provider become due for renewal?

10.   Please can you attach a recent statement from your card processing provider.

11.   Have you ever suffered from a data security breach?

12.   At the time of receiving this request, can you confirm that all your systems are fully compliant with PCi DSS (Payment Card Industry Data Security Standard) and that this confirmation is based on the fact that the council has conducted formal assessment as per the PCi DSS protocol?

Request Date9 February 2015
Requested byBusiness
Released Date  

14 April 2015      

Response
  1. At the time of receiving this request, has your payment processing provider written to you to explain Visa's forthcoming changes to debit card transaction processing interchange i.e. the switch from simply a "pence per transaction" charge to a charge determined as a combination of pence per transaction and a percentage of the value of that transaction?      NO
     
  2. If you have received a notification letter, please could you attach a copy to your response. N/A
     
  3. At the time of receiving this request, have you quantified the additional cost that will arise from the changes to debit card processing costs? N/A
     
  4. If you have quantified the additional costs, what will these be? N/A
     
  5. At the time of receiving this request, have you been notified by your card payment processor about the upcoming reductions to charges for processing face-to-face MasterCard consumer card transactions? N/A
     
  6. Has your card payment processor confirmed that they will pass on to you the cost savings for MasterCard face-to-face consumer card transactions? N/A
     
  7. When you receive invoices for card payment processing, which of the following do you verify:
     
    1. The total receipts? - Yes each dept does their own
    2. The rate applied to each transaction / card type - as against the contract? Yes each dept does their own
    3. The mathematics e.g. Visa consumer transaction value £50,000 charged at 1.2% = £600.00?Yes  -each dept does their own
    4. None of the above?
  8. Who is your current card payment processing provider? Worldpay
     
  9. When does your current contract with your card processing provider become due for renewal? The contract is due for renewal Jan 2020
     
  10. Please can you attach a recent statement from your card processing provider. - (Attached downloads section below). Please note that with regard to section 43 of the Act revealing the fees and charges of our processing provider is likely to prejudice their commercial interests so information is provided in a redacted format.
     
  11. Have you ever suffered from a data security breach? - Not in relation to card processing
     
  12. At the time of receiving this request, can you confirm that all your systems are fully compliant with PCi DSS (Payment Card Industry Data Security Standard) and that this confirmation is based on the fact that the council has conducted formal assessment as per the PCi DSS protocol? "the Council is PCi-DSS compliant and the Council is in the process of undertaking a formal assessment to confirm this

   

Refused

                                              

Refusal