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Protecting your business

Take secure and safe transactions

Clydesdale Bank and Yorkshire Bank Merchant Services is a service provided by Worldpay (UK) Ltd.

When it comes to taking credit and debit card transaction security is a top priority for any business. To minimise the risks associated with accepting card payments there are a number of practices that you can adopt to take secure and safe transactions and help protect your business from fraud.

Payment Card Industry Data Security Standards (PCI DSS)

When storing or processing card payments - your business must comply with the Payment Card Industry Data Security Standard (PCI DSS). This is a set of mandatory requirements to help ensure safe handling of card payment data. It applies to all businesses that take credit and debit cards, regardless of size or transaction volume.

Helping you become compliant

The SaferPayments programme, available through our payment service provider Worldpay, is designed to give your business a helping hand through the PCI DSS certification process. Becoming certified as compliant takes as little as 30 minutes and with the SaferPayments programme you’ll receive:

  • Dedicated telephone support – to guide you through the completion of the self-certification process.
  • Access to a full scan facility in order to facilitate your compliance – minimising any potential data loss.
  • Automatic enrolment to Worldpay’s SaferPayments programme.

The benefits of becoming compliant

By using the SaferPayments programme, you’ll avoid all non-compliance fees and additional PCI DSS charges once you become certified as compliant:

  • Peace of mind – You’re protecting your business and customers
  • Protect your customer's card data and your business against the first £35,000^ of card scheme fines
  • Prevents additional fees – Avoid the monthly non-compliance fee and additional PCI DSS service fees, when you become certified.

^ If you use the Safer Payments programme once certified it means that should Worldpay be fined by the card scheme as a result of a data breach experienced by you, they will waive their right to pass the first £35,000 of fines on to you.

Worldpay, our payment service provider, will contact you within 6 weeks of becoming a customer with more details on registering for the SaferPayments programme and becoming PCI DSS compliant.

A £29.99 annual management fee applies to all customers, irrespective of their PCI DSS compliance status. This fee reflects the management of your PCI DSS compliance, along with initial and ongoing costs of implementing the SaferPayments programme and ensuring that you have a mechanism to validate your PCI DSS compliance. If you do not certify as PCI DSS compliant then a £9.99 monthly non-compliance fee will also apply.

If you have any questions about becoming PCI DSS certified, please contact 0330 808 0663.

Terms and conditions apply. Fees are charged by Worldpay.

Useful links

Cardholder authentication

Cardholder authentication (Mastercard® Securecode and Verified by VISA) is a cost-effective way to protect your business from eCommerce fraud by ensuring the cardholder is the person to whom the card was issued.

By using cardholder authentication the liability for the chargeback loss shifts from your business to the issuing bank, for eCommerce transactions that are deemed fraudulent (those transactions where the cardholder has denied involvement in the transaction). The issuing bank, in most cases, is no longer allowed to pass such chargebacks back to the merchant.

Please be aware that there are a number of restrictions and you can still receive chargebacks for other reasons, such as duplicated processing, goods not received and no authorisation.

Address Verification System (AVS)

The Address Verification System (AVS) is a free and easy service which will increase your chances of avoiding fraud when accepting card not present (CNP) transactions. AVS allows you to check the numerical portion of a cardholder’s address and the card security code (also known as CVC/CVV) either on your card machine or when calling for a CNP authorisation.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Get in touch

New business enquiries

9am – 5pm, Monday to Friday

Online enquiry

For the Merchant Helpdesk

24 hours a day, 365 days a year

If you have a complaint about the service please call 0330 134 8330 (24/7, 365 days a year).

Call costs apply and may vary depending upon your provider.

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