What is 3D validation? How to open up 3D validation? 
Answer: 3D confirmation is a free service which ensures the safe online shopping provided by the credit card company for the customers. It is a validation system for online transaction among issuing bank, Acquiring bank and merchants to guarantee transation in safe situation. When the cardholder carries out the online shopping, he must input the personal password avoiding the credit card’s embezzling,just like to input the password in the automatic teller machine.Moreover, when the cardholder has done the registration and the confirmation, it needs to set a personal confirmation info. Hereafter, in every online payment, the cardholder may check this personal confirmation info to guarantee the correct and authentic use of the 3D service.
The cardholder may directly contact the issuing bank through the telephone to request this service. This service in the Visa card is called verified by visa service. In Mastercard it is called MasterCard secure code service, and in JCB card, it is called J/Secure. Actually it is a system to provide secure code for cardholders during the online shopping, which guarantees that the bank card is used by cardholder himself and fraudulence is avoided.
 

What is security? Why should the merchant pay security? 
Answer: Security definition: there are some risks existing in transactions with international card such as dishonor and transaction with fake cards,therefore, when a enterprise opens up the international card gateway, it must pay certain quantity of security temporarily stored in IPS, to
guarantee the normal bilateral cooperation. The amount of secuity depends on how much each transaction with international card is and usually it is ten times as much as ecah transaction amount.
Security function: the amount of scurity decides your payment quota of each transaction with international card. At least ￥3000 security is needed for interprise users to open up international card payment function and the quota for each transaction is ￥300.
Note : at present international card payment service is only for enterprise users.

How to sign Agreement of Four Parties? 
Answer: Please refer to the following requirements, and send the relevant material to IPS through express, EMS or registered method. After receiving your material, we will submit it to the bank in 7 working days and the cycle of the Agreement of Four Parties is about 30 days.
The requirements for signing the Agreement:
1) Business organization has the qulification of independent legal person;
2) Business content in the business licence agrees with the practice and the business licence is in the period of validity; 3) To have "Increment Telecommunication Service Management Permit" which is in the term of validity;
4) To have the domain name registration;
5) To have the regular taxation registration certificate （state tax or local tax）;
6) To have the regular work place and business place;
7) The registered capital is not lower than ￥100,000 Yuan;

Time limit of investigation, payment refusal and defrosting.
Answer: According to the international convention as well asstipulation of VISA and MASTER organization , in 180 days after the success of the transaction, the cardholder is authorized to ask for an investigation or to refuse payment to the issuing bank. The acquiring bank has 30 days to send document to the acquiring document. Once the merchant has provided the information, the acquiring bank can send payment order to the issuing bank in 46 to 60 days and the issuing bank can refue payment for the second time. The refusal term of investigated transaction is 300 days after success of transaction. If the issuing bank and cardholders don’t have any objection about the certificate document of the transaction, , the fund will be settled for the merchant in the 15 days after the end of the protest period.

What are the common reasons for payment refusal?
Answer :
- Repeated payment: cardholder make payment for two times or more for a single transaction；
- The merchant has not been able to provide the service/goods: Cardholder’s payment succeeds, but actually he has not enjoyed the corresponding service.
- The merchant has not been able to provide the related transaction’s document: the cardholder has some objection to the order; the merchant can’t provide the proof documentary evidence.
- The products are incorrect: the cardholder obtains a product which is not conforming to what he was supposed to receive.
-The cardhoder has make payment by Cash/another credit card/other way of payment: the cardholder paid through other way of payment.

How should we guard against the international card transaction risk?
Answer:1) After a transaction, we need preserve customer’s individual information, the expenses record in details, receipt signed by cardholder and the expense receipt at least 10 months.
2) Customer is required to provide the identity card’s copy, the copy of credit card information as well as the customer’s receipt proof which will be the strong proof when replying investigation in the future;
3) When customer requires refundment because of repeated payment or other reasons, please promptly ask our company to inform the acquiring bank to carry on refundment in order to avoid protest risk. For the order to which refundment has been settled, customers can not refuse payment;
4) For high-value transaction, we recommend you shoud not provide real-time service and require customers to show related ID proof, for example the copy of credit card data or credit card bill, and provide service after confirmation is made.

If the merchant closes the international card payment interface, when is security returned? 

Answer: After the merchant closes the international card payment interface and the risk period of international card transaction is passed, IPS then returns the security to the merchant. The merchant is required to send security receipt to IPS through express, EMS or registration form. After receiving your material, we will complete the process in 5 working days for you.
Note: 1) The risk term of international card transaction refers to six months after the last international transation；
2）If the transaction has been investigated, the risk term is ten months after this transaction.