WHICH FORMS OF PAYMENT DO YOU ACCEPT?
We currently accept payments via the following methods:
Credit/Debit Cards which include the following: Visa, Visa Debit, Visa
Electron, Mastercard, Maestro and American Express. All transactions are
taken in pounds sterling (£). If your credit card is in any other
currency, the rate of exchange will be that of your card issuer and you
may be charged an international fee. Payment online is in a secure
-Bank transfer: to get our bank details, please call 0845 689 0294. Our opening hours are Monday - Friday from 9:00 am to 5:00pm
-Credit Account: to use this option you must hold a credit account with us. If you would like to open one, please give us a call on 0845 689 0294. Our opening hours are Monday - Friday from 9:00 am to 5:00pm. Alternatively, please write to email@example.com
WHEN WILL MY CARD BE CHARGED?
Your card is charged when your order is placed. If we have to split your order over more than one delivery you will pay only one postage charge.
CHECKING AVS ON TRANSACTIONS
The Address Verification Service (AVS) checks both the Address Line and the Postcode. However, the AVS will only verify the numeric portion of an address. Therefore any other characters should not cause an issue with the AVS when taking place.
For example let’s look at some example addresses and see how the issuing bank would check the data:
Flat 6 Primrose Rise 347 Lavender Road Northampton NN17 8YG
23 Rogerham Mansions 4578 Ermine Street Borehamwood WD54 8TH
Unit 5 Pickwick Walk 120 Uxbridge Road Hatch End Middlesex HA6 7HJ
When this data is submitted and provided to the acquirer in the transaction request, the following numbers are used for the AVS check;
6 3 4 7 1 7 8
2 3 4 5 7 8 5 4 8
5 1 2 0 6 7
This information has been provided to offer some guidance on relation to the service and it is not a confirmation. As the AVS validation is performed by participating Card Issuing Banks only, if definitive guidance is required in relation to a specific AVS response, the Cardholder should contact their bank for further details.
As a reminder the AVS validation is performed on the numeric data which is provided to the acquirer within the Street Number, Street Name and Postcode/Zip code parameters of the transaction request.
Some customers may have a more complex and confusing address for example it may be similar to the one below. This is how the Card Issuing Bank has the address listed:
4A Rear of 1A-5A, The Hay Market, Grantham, NG32 4HG
However, the customer may have provided the address as:
The Willow, 4, The Hay Market, Grantham, NG32 4HG
If the Card Issuing Bank has this payment card associated with the first address above, this could cause a ‘Partial Match’ when AVS is performed.
With this data provided to the acquirer in the transaction request, the following numbers would be used for the AVS check;
4 3 2 4
However, because the card is actually registered to the first address, then this will need to match this data (depending how the data is stored with the Card Issuing Bank);
4 1 5 3 2 4
Therefore, to conclude all AVS data is checked with the Card Issuing Bank and they are the ones who provide us/the merchant acquirer with a response message.