Visa and MasterCard have made important changes to merchant acceptance as part of a proposed settlement for merchants located in the U.S. and U.S. territories. For more information click here.

Truncation - Protecting Customers' Credit Card Numbers

In an effort to minimize the opportunity for credit card fraud, Visa and MasterCard, along with numerous state legislatures, have mandated that credit card account numbers and expiration dates be masked on consumers' receipts. New truncation compliance does not apply to transactions in which the only way to record the card number is via hand writing or an imprint or copy of the card.

State Legislative Requirements

Some states have already implemented laws concerning card truncation. Penalties for non-compliance vary by state. We recommend visiting your state's public information sites to determine if your state is one of those requiring card account truncation.

Visa Requirements

Effective July 1, 2006, for all existing terminals, Visa USA mandates that all but the last four digits of the cardholder account number, and the entire expiration date, be truncated on the cardholder copy of all transaction receipts generated from Point of Sale terminals.

MasterCard Requirements

Effective April 1, 2005 MasterCard requires all cardholder receipts generated by Point of Sale terminals, must reflect only the last four digits of the primary account number.

Update Your Terminal

Contact Merchant Services at 1-866-451-4004 or email customer service and a merchant services representative will contact you to update your terminal. Please include your merchant identification number in the email.