PAYING METHOD

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Ensign Communication
 TRANSACTIONS

• Card Present Transaction (CPT)

– Card holder Physically present
• Card Not Present Transaction (CNPT)
– By Phone, Web, Fax
• Only large companies are preferred or
allowed to make CNPT
• CNPT carries higher risk of fraud

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Ensign Communication
 MODE OF PAYMENT

There are two basic modes of payments in

telemarketing
– By Credit Card
– By Cheque

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CREDIT CARD

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CREDIT CARD

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 CHECK

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Ensign Communication
Credit Card and Billing Info:

Starting Number of
Type
Digits Digits

VISA Visa starts with 4 13-16 digits

AMX American Express starts with 3 15 digits

DC Diners Club starts 14

with 3 digits

DIS Discovery starts with 6 16 digits

MC Master Card starts with 5 16 digits

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Credit Card and Billing Info:

Type

INV Invoice

CHK Check

MO Money Order

COD Cash On Delivery

BIL Customer is billed

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Ensign Communication
 ACH (Automated Clearing
House)
• ACH is an electronic network
• Transfers and clears funds between banking
institutions on behalf of merchants and their
customers
• Takes 48hrs to clear

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 BACS

• Bank Automated Clearing System. A

debit and credit system used to make
direct transfers to/from clients’
accounts.

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 ACH Draft (Chq by Phone)

• Account name
• Bank name
• Account number
• Chq number
• Routing number (physical location of the
bank )
• In case of ACH Draft the A/C owner can
write for reference that this check was used
as ‘chq by phone’.

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 Address Verification System (AVS)

• It enables a merchant to confirm whether a

billing address, provided by a customer during
a payment card transaction, matches the
address the card-issuing bank has for that
customer.
• The AVS check is a series of electronic
messages between the merchant and the
bank, and examines the first five numerals in
the street address, and the ZIP Code.

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 Address Verification Service (AVS)

• It enables the address, including postcode,

entered by the shopper to be compared against
the UK card issuer's records and the results
passed back to you via an email and your callback.
As part of this service the country associated
with the shoppers address will be compared with
the country the card was issued in.
• To use the AVS the address entered by shopper
must be their billing address (the address where
the shopper's card statement is currently sent).
The billing address must match the address held
by the Card Issuer exactly.
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Ensign Communication
 SSN/ SIN / NI

• In the United States, a Social Security

number (SSN) is a number issued to citizens,
permanent residents, and temporary (working)
residents. It is issued to an individual by the
Social Security Administration of the
government of the United States.
• Ostensibly, its primary purpose is tracking
working individuals for taxation purposes and
to track Social Security benefits. However, in
recent years, the SSN has become a de facto
National Identification number.
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 Cont….

• SSN is also a source to access the Credit

report.
• In Canada the same number is called Social
Insurance Number (SIN)
• A National Insurance (NI) number is a
personal number used:
– to record a person's NI contributions and
credited contributions
– as a reference number for the whole social
security system.
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 Cont….

– A NI number should only be given to one

person and must only be used by that
person.
– You do not have a legal right to an NI
number, but there are circumstances when
you are legally obliged to apply for a NI
number and register for NI purposes.
– Remember - a National Insurance number is
not proof of identity.

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Ensign Communication
 Credit Report
A document/report which shows an individuals
complete database/record, some of them would
Be as follows:
• Name
• Age
• Gender
• Address
• Bank A/c record
• Credit cards record
• Record of any loans
• Beacon/FICO Score
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 Voice Verification

• Recording Permission (18yrs of age or above)

• Verbatim – 100% word to word
• Product or Services - Terms, Price,
Cancellation
• Payment Mode – CC / Chq
• Address
• CC / Chq info
• Customer agrees and states YES
• Customer Service / Toll-free Number
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 Digital Contract / Signature

• A legal contract.
• The voice recording/File is called a Digital
Contract or Signature.

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