Merchant Handbook

About CMS
Founded in 2008, Complete Merchant Solutions (CMS), has established itself as a trusted leader in the bankcard merchant services industry and continues...
Thu, 20 Jun, 2019 at 9:49 AM
Protecting Your Terminal
The following suggestions will be helpful in preventing damage to your credit card terminal: • Keep your terminal away from liquids, food and heat....
Thu, 20 Jun, 2019 at 9:49 AM
Fraud Protection
Credit card fraud is an unfortunate part of the current merchant life cycle. We, at CMS recommend you implement the following practices to help reduce ...
Thu, 20 Jun, 2019 at 9:50 AM
Suspicious Customer? "Code 10 Error"
You should make a Code 10 call to the voice authorization center whenever you are suspicious about a card, cardholder, or a transaction. The term “Code 10” ...
Thu, 20 Jun, 2019 at 9:50 AM
PCI Compliance
The electronic payments industry has become highly regulated, which only makes sense as it manages and transmits sensitive personal and financial data....
Thu, 20 Jun, 2019 at 9:51 AM
IRS Reporting and TIN Validation
The Housing Assistance Tax Act of 2008 includes the enactment of Section 6050W of the Internal Revenue Code that requires reporting entities to annually rep...
Thu, 20 Jun, 2019 at 9:51 AM
Chargeback Overview
A chargeback is a process which allows cardholders, and occasionally an issuing bank, to file a dispute regarding a charge. Once the cardholder initiates th...
Thu, 20 Jun, 2019 at 9:48 AM
E-Sign Consent
E-Sign Consent Complete Merchant Solution (“CMS”) wants merchants to understand how to access and use information about their merchant accounts. One step C...
Wed, 14 Aug, 2019 at 12:09 PM