General Requirements to a Merchant's Web Site
1. General Requirements to a Merchant's Web Site
1.1 All Web site’s internal links shall be active and correctly processed.
1.2. A customer shall not provide “Adult Entertainment” services.
1.3. Customer’s Web site shall not have links or banners of suspicious web sites (for example, web sites for adults, etc.), and also links of banner networks where suspicious banners can appear.
1.4. Customer’s web site shall not be hosted on the free servers, which provide hosting services (for example, narod.ru), nor on servers which have been not recommended by a Bank.
1.5. Availability of an actual reference information about a customer or an Enterprise on a Customer’s Web site. A Web site shall include such information as a country, location address, a correspondence address (an address cannot be poste restante), and also contact phones to reach a Customer’s support service.
1.6. A list of sold goods (works, services), listed in an Enterprise’s application for an Internet acquiring agreement and in a Customer’s questionnaire, shall match an inventory (works, services), specified on a Customer’s Web site.
1.7. A completeness of a description for consumer properties of sold goods (works, services). (To be verified to avoid a refund due to a lack of a good/work/service description. Including, without fail, a Web site shall list prices for goods, works, services.
1.8. Card data shall not be accepted on a Customer’s Web site. For payments using a card, a Buyer shall be redirected to a Bank’s system.
1.9. Availability of the description for good order procedures (works, services) on a Customer’s Web site, and a payment for them using cards. In addition, a Web site shall provide a form to pay for goods (works, service) using cards, and redirect a Buyer to a Bank’s web site.
1.10. Availability of a goods delivery information (receiving works, services) on a Customer’s Web site, such as terms, methods, and also any other information required to get a clear idea of a goods delivery (receiving works, services) after a payment using a card.
1.11. Availability of a description on a Customer’s Web site for procedures to refund, provide interchangeable goods, exchange goods, etc. if a buyer refuses goods (works, services). In a Customer does not provide such procedures, it shall inform it on its Web site.
1.12. An enterprise shall control a receipt of orders by Buyers.
1.13. An enterprise shall provide methods to minimize and control risks of fraud transactions. In such cases Bank capabilities shall be used to protect against a fraud.
1.14. All pages related to a Web site’s operation or Bank requirements, shall have a single domain name.
1.15. Availability of a warning that a Customer’s visit, purchase and delivery of a specific good (works, services) to a Buyer can be illegal in a country where the Buyer is located.
1.16. Availability of a warning that a Buyer is responsible for a defiance of laws of his country when visiting this Customer and attempting to purchase goods (works, services), if those are interdicted by a legislation of the country where it is located.
2. Additional Requirements to Customers’ Web Sites , Which Provide Gambling Services
2.1. Availability of a warning on a Web site as follows: The statement — “Internet Gambling may be illegal in the jurisdiction in which you are located; if so, you are not authorized to use your payment card to complete this transaction”.
2.2. Availability of a warning on a Web site that a Buyer is responsible for a defiance of laws of his country concerning commercial online gambling (a statement of the Cardholder’s responsibility to know the laws concerning online gambling in his country of domicile).
2.3. Availability of a warning on a Web site that the web site’ services can be used by persons of 18 plus only
2.4. Availability of gambling rules on a Web site.
2.5. Availability of a description for a payout procedure (payments to cards are forbidden) on a Web site.
2.6. Availability of transaction cancellation rules on a Web site.
2.7. Availability of rules on a Web site to make refunds to a Buyer’s card.
2.8. Availability of a statement on a Web site, that a Buyer is recommended to receive copies of entries on performed transactions (bank statements).
3. Bank Recommendations for Customer’s Web Sites
3.1 A customer is not recommended to provide services as follows:
- online dating (dating agencies);
- gambling (real-time gambles, casino, betting pools, lotteries).
Each such application is examined in a special way. A decision can be made on the basis of requirements which are not available in this document.
3.2. Full compliance of a legal entity, for which a domain name of a Customer and the legal entity, specified in the application, is registered, is recommended. The legal entity for which a domain name is registered is defined using corresponding databases on the Internet (RosNIIRos DBs (http://www.ripn.net:8080/nic/), http://www.ripe.net/, http://www.whois.net/).
3.3. A domain of a Customer’s Web site is recommended to be a 2nd level one.
3.4. Availability of the description on a Customer’s Web site for export limitations to deliver goods (works, services), if any.
Sample Information to Be Published on a Web Site
Below sample information is shown which shall be published on a web site to comply with requirements.
Payments. Online Payment Using a Bank Card
Our web site is connected to Internet acquiring. You can pay your Good using your Visa, MasterCard, Maestro and MIR bank card. After confirming a selected Good, a secure window will open, which provides a payment page of a CloudPayments processing centre, where you have to enter your bank card data. For an additional authentication of a cardholder, 3D Secure is used. If your Bank supports this technology, you will be redirected to its server for additional identification. For information on rules and additional identification methods, contact the
The bank which has issued your bank card.
The CloudPayments processing centre secures and processes your bank card data according to the PCI DSS 3.2 security standard. Information is sent to a payment gateway using a SSL encryption. Any further information transfer is done on private banking networks which feature the highest reliability. CloudPayments does not transfer your card data to us nor other 3rd parties. For an additional authentication of a cardholder, 3D Secure is used.
If you have any questions of payment done, you can contact a payment service’s customer support service by e-mail email@example.com.
Security of Online Payments
Your personal information you provide (name, address, phone, e-mail address, credit card number) is confidential and is not subject to disclosure. Your credit card data is transmitted only in an encrypted format and is not stored on our Web server.
We recommend you to verify that your browser is secure enough to make payments online. Please use this special page.
CloudPayments guarantees the security of an online payment processing. All transactions with payment cards are done according to VISA International, MasterCard and other payment system requirements. When sending information, special security technologies for online card payments are used. A data processing is performed at a secure hi-tech server of a processing company.
Here you shall describe your delivery rules and terms, if you provide such service.
Return of Goods
According to the Government Regulation of the Russian Federation dated January 19, 1998: Upon detecting drawbacks of goods, which properties do not allow to remove them (food products, perfumery and cosmetic products, household and other products), a buyer has the right to demand a replacement of such goods with other goods of an appropriate quality or a proportional reduction of a purchase price. Instead of making claims specified, the buyer has the right to refuse a purchased good and to demand a refund a value paid for goods. Thus the buyer on request of a seller and at its expense shall return received goods of inadequate quality. Confidentiality
The Federal Law of the Russian Federation No. 152-FZ “On personal data” is the federal law which prescribes activities to process personal data.
A www.YOUR WEB SITE.ru web-based project (hereinafter a URL, “we”) has strong views to confidentiality of information of customers and visitors of the www.YOUR WEB SITE.ru (hereinafter“you”, “visitors of a web site”). We call information as personalized one if it includes personal data (for example full name, login or a company name) of a web site’s visitor, and also information about actions made by you on a web site. (for example a web site’s visitor order with contact information). We call data as anonymous one, which cannot be unequivocally identified with a specific visitor of a web site (for example a web site traffic statistics).
2. Use of Information
We use personalized information on a specific web site’s visitor only to provide high-quality services and account these. We do not disclose any personalized data of some web site’s visitors to other web site’s visitors. We never make personalized information publicly available and do not transmit it to third parties. The only exception is situations when providing such information to authorized state bodies is prescribed by the current legislation of the Russian Federation. We only publish and distribute reports generated on the basis of collecting anonymous data. Such reports do not include information which would allow identifying personalized data of services’ users. We also use anonymous data for an internal analysis which is designed to develop products and services.
www.YOUR WEB SITE.ru can provide links to other web sites which do not relate our company and belong to third parties. We do not bear responsibility for accuracy, completeness and reliability of data published on third parties’ web sites. We do not commit any obligations to provide confidentiality of any information you published on such web sites.
We do our best to comply with this confidentiality policy, however, we cannot guarantee information integrity in case of influence of factors we do not control, due to which information can be disclosed. www.YOUR WEB SITE.ru and all information published on it is presented “as is” without any guarantees. We do not bear responsibility for adverse consequences, and also for any losses due to a restriction of access to a web site or visits of a web site and use of information published on it.
Please send all your questions relating this policy to the E-MAIL address
Please specify a name of the legal entity, banking details, legal and actual address (if they differ)