Card brand rules generally require merchants on all platforms (web pages, apps, invoices, or contracts) to have policies that clearly disclose certain business information and cardholder rights to potential customers. The specific policy requirements may vary depending on the location where you operate, the card brands you accept, and your business model.
To help ensure that our merchants maintain the required policies, Braintree performs periodic reviews of our merchants’ websites. You can avoid being flagged by our Risk team by ensuring that the following information is clearly disclosed to your customers:
- Contact information
- Refund or cancellation policies
- Privacy/personally identifiable information policies
- Delivery time frame (if you are shipping physical goods)
Any of the following are considered sufficient contact information:
- A listed email address
- A listed phone number
- A physical mailing address
- 2+ social media accounts
Pricing should be made clear to customers on your site before they complete a payment with you.
A donation page with preset donation amounts, as well as custom donation options, is acceptable for non-profit organizations.
If you only accept payments via a mobile app or mobile website, you’ll need to either meet all ecommerce website requirements within your mobile platform, or provide links to the requirements on your full site.
No matter what your refund policy is – even if it is that you don't offer refunds – it must be present on your website. At minimum, your refund/cancellation policy should detail:
- Whether or not you provide refunds
- What conditions must be met to be eligible for a refund
- Whether there are any fees associated with refunds or cancellations
- What information you collect from your customers
- What you do with that information
PayPal requires that certain items be present on your website and/or mobile app before you can accept PayPal payments via Braintree. When entering your PayPal credentials in the Braintree Control Panel, you will need to provide links to the following pages on your website:
- Terms and conditions
This type of agreement typically includes sections that address the following:
- Disambiguation/definition of key terms and phrases
- User rights and responsibilities
- Proper or expected usage; potential misuse
- Accountability for online actions, behavior, and conduct
- Payment details such as membership or subscription fees
- Opt-out policy describing the procedure for account termination (if available)
- Disclaimer/limitation of liability clarifying the site's legal liability for damages incurred by users
- Whether users will be notified upon modification of terms