Dharma Merchant Services

Visa and MasterCard eCommerce regulations require the following on eCommerce websites:

1. Business name displayed on the website matches the name specified on the merchant account
that will appear on the customer's credit card statement. This requirement is designed to help prevent
your customer from disputing a charge because they do not recognize the name of your business or
organization on their credit card or bank statement. If the name of your website is different from the
name on your merchant account, you'll need to have the following statement on your payment page: "
(Name on merchant account) will appear on your credit card or bank statement."

2. Privacy Policy is posted. You can download a template here.

3. Terms & Conditions are posted. You can download a template here.

4. Return/Refund policy is posted. This is unique to your business. "No refunds" qualifies as a policy.

5. Delivery policy is posted, if applicable. This describes how customers will receive their goods or
tickets (ex. FedEx ground with signature required, tickets are picket up at will call, etc.).

6. Credit card logos or drop-down list of card types (Visa, MasterCard, etc) are displayed on page
where card number is entered

7. Payment page where card number is entered is secured via Secure Sockets Layer (SSL) 128 bit
encryption/1024 bit exchange minimum or 3-D Secure (VISA issued certificate - Verified by Visa).
This can be verified by right-clicking on the payment page, selecting "properties" and choosing
"details".

8. When completing an order, cardholder is required to either "click to accept" or perform other
affirmative action