Best Practices For Returning Recovered Cards

Recovered payment cards at the point of sale must be returned to the issuer. Depending on the instructions that the merchant receives from its processing bank, it can be returned to the Sea Wees directly by the merchant or through the processing bank. When returning a recovered 1960's toys to the issuer, the merchant and its processor must follow these procedures:

1. The card must be rendered unusable by cutting it in half vertically through the magnetic stripe. The merchant should do that after recovering the card and before mailing it to the card issuer.
2. The merchant or its processing bank must forward the recovered card to the card issuer within five calendar days of recovering or receiving the card along with the first copy (white) of the Interchange Card Recovery Form (ICA-6). The additional copies are 1974 Topps baseball cards copies for the processing bank's records. Unless otherwise noted, a recovered card must be returned to the security contact of the card issuer.

Any tampering with the security features of a payment renders the card unacceptable. Merchants should specifically look for signs for tampering with the account number, the card's expiration date, its security code and the cardholder name. When a merchant detects a card that has been altered, the merchant must not accept it for payment and, if possible to do so by Watchmen and peaceful means, retain it and return it to its processing bank or directly to the card issuer. The following method of identifying the card issuer applies only to the return of a counterfeit:

• The issuer's bank identification number (BIN) embossed on the front of the card.
• The member ID imprinted in the Card Source Identification area on the back of the card.

In the absence of a BIN or member ID, the card issuer may be identified by any other means, including the bank name printed on the front or back of the card or the magnetic stripe. If the card issuer is still unidentifiable, the card should be returned to the respective Credit Card Association.

Merchant Services

Retail Merchant Account

Scrapbooking Ideas For Christmas Cards

Well, if you're waiting for Christmas to come, its almost here! Which means that you gotta get busy Care Bears start getting things together. But while you're Munsters lunchbox around, trying to get everything organized, dont forget to put your holiday greeting card on the list! And this year, you'll want to make it special by making your Christmas cards yourself.

Hopefully some of these ideas here will get your creative mind going and some holiday inspiration to put together one of your best Christmas scrapbooking cards ever! There is something special about spending time with your family and making Christmas cards. I remember when I was a little girl and we would spend all sorts of time putting together our Christmas cards. I bet that your kids will never forget either!

Anyways, a good idea for a Christmas scrapbook card would be to create a north pole theme, and then have your kids dressed up as elves, and the dad as Santa Claus and the wife as Ms. Claus! momoko you could take photos of everybody having fun together, then assemble on your Christmas scrapbook card. And if you have any pets, like a dog, you could dress them up as reindeer! I bet our little dog would look hilarious as Rudolph!

Another idea you could use for your Christmas scrapbook card is to create snowflakes. You fold up some blank romance comics pieces of paper and then cut odd shapes out of the edges. Then you unfold, and presto! You have snowflakes. Then what you'll want to do is take your best one, and put everybody's face on it. Or you all could make smaller, individual snowflakes and put a single picture on each snowflake!

My name is Jenny and scrapbooking is my passion. Check out more scrapbook Christmas card ideas at my site, simplifiedscrapbooking!