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...
Wed, 17 Jun, 2020 at 7:49 AM
Protecting Your Terminal
The following suggestions will help prevent damage to your credit card terminal: • Keep your terminal away from liquids, food, and heat. • Do not dro...
Wed, 17 Jun, 2020 at 7:50 AM
Fraud Protection
Credit card fraud is an unfortunate part of the current merchant life cycle. We recommend you implement the following practices to help mitigate the ri...
Wed, 17 Jun, 2020 at 7:50 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...
Wed, 17 Jun, 2020 at 7:53 AM
Data Security
Data Security The electronic payments industry is closely regulated when it comes to data security, which only makes sense as it manages and transmits s...
Wed, 17 Jun, 2020 at 7:55 AM
Consumer Protection
Consumer Protection Providing great products or services is the foundation of your business. Satisfied customers mean more repeat business and growth fo...
Wed, 17 Jun, 2020 at 7:55 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...
Wed, 17 Jun, 2020 at 7:53 AM
Chargeback Overview
A chargeback is a process that allows cardholders, and occasionally an issuing bank, to file a dispute regarding a charge. Once the cardholder initiates the...
Wed, 17 Jun, 2020 at 7:54 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, 17 Jun, 2020 at 7:55 AM