When accepting remote payments, it's important to follow these best practices to make sure both you and your customers have a positive experience.
Here are some steps to help you take payments securely
- Make sure the customer is 100% satisfied with the goods or services provided.
- Let the customer know if and when you will be charging their card.
- Make sure you’re charging the correct amount.
- Request authorisation for any remote payment.
- Communicate that the credit card being used must belong to the customer.
- If the customer wants to make a payment with a company/corporation credit card, request to send a copy of the receipt to the company's accounting department.
- Enter the entire amount of a sale. You may not split the amount into several smaller transactions to avoid the security limits of a customer's card. This is against the terms and conditions of our banking partners.
- Send the customer a receipt after charging a payment.
Note that remote payments are more susceptible to chargebacks and fraud.
Here are some ways you can protect your business
- Inform your customer that their payment will appear on their statement as SUMUP *YOUR BUSINESS NAME*. Please ensure that your name is recognisable on the statement. If this is currently not the case, you can amend it in your SumUp Account.
- Communicate your business' refund and delivery policies to the customer.
- Let the client know that in the event of a problem, they must first try to solve the issue with you.
- When issuing a refund, always issue the refund directly back to the card used for the payment. If you must provide a cash, cheque or money order refund, make sure to get a signature from your customer confirming that they received the refund.
- Maintain proper documentation of all payments.
- Keep records of all delivery documents for any goods and services provided.
- Ask for further verification when you suspect any unusual activity.