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Taking payments securely

 

All your questions answered

  • What kind of card payments can be accepted
  • What security measures are in place
  • Which terminal is right for your business

Whether it's e-commerce credit and debit card processing, face-to-face transactions or taking card payments over the phone, cards are now the most used payment method in the UK*.  More efficient, with reduced risk for businesses, card acceptance makes business easier for you and your customers.

Here we provide answers to the most common questions that our customers ask.  We also give you an introduction to the range of terminals offered by Bank of Scotland Merchant Services.

If you would like more information about our range of merchant account services - or if you'd like to apply to take our card acceptance service, we'd be delighted to help.

  • If you are an existing customer you can call us on
    0845 300 0268^ (Mon – Fri, 8.30am to 5.30pm)
  • If you are a new customer you can call us on
    0800 652 5808^ (Mon - Fri, 8.30am to 5.30pm)     


What type of card payments can I accept?

That's really up to you.  On the phone, online, by mail or face-to-face, we have an option to suit.

  • Cardholder present: this is the most common form of processing credit and debit cards in most businesses.
  • Cardholder not present (CNP): this refers to payments made over the phone, by fax or by mail order.
  • E-Commerce card processing: in 2004, more than £16 billion was spent using credit and debit cards online **.   It's a growing trend - one which businesses need to be ready for.


What security measures are in place?

  • Cardholder present:
    Bank of Scotland Merchant Services cardholder present payment solutions are all fully chip and PIN compliant so you can be assured you are taking card payments as securely and safely as possible.
  • Cardholder not present (CNP):
    There are two layers of security protection. CSC (Card Security Code) consists of the last three digits on the reverse of the credit or debit card.  By asking the customer for these, you are reducing the possibility of fraudulent misuse of the cardholder's card details.  Similarly AVS (Address Verification Service) allows you to instantly confirm a cardholder's address against their records.
  • E-commerce card processing:
    There are two options for security protection. VbV (Verified by Visa) and MasterCard SecureCode are industry-wide initiatives designed to combat fraud.

By using the latest security measures Bank of Scotland Merchant Services will be able to offer you the best rates we can for processing card payments.

 

Which terminal is right for my business?

Find out more about the latest terminals  we have available. 
If you are an existing customer you can call us on 0845 300 0268^   (Mon – Fri, 8.30am to 5.30pm)
If you are a new customer you can call us on 0800 652 5808^  (Mon - Fri, 8.30am to 5.30pm)

 

This service is provided to Bank of Scotland by First Data International.

* Source: APACS April 2006

** Source: APACS September 2005

Merchant Services is a chargeable service. Terminal leasing is subject to a three year minimum rental agreement.  Prices are dependent on terminal type and length of rental agreement .

 

^We monitor and record telephone calls to help us provide a higher level of service.  Calls to 0845 numbers from BT landlines will cost a maximum of 4p per minute.  The price of calls from other companies will vary.  Call price correct at December 2006.