FOI Request - Visa Debit Card Changes

Request 101000321505

1. At the time of receiving this request, has your payment processing provider written to you to explain Visa’s forthcoming changes to debit card transaction processing interchange i.e. the switch from simply a “pence per transaction” charge to a charge determined as a combination of pence per transaction and a percentage of the value of that transaction?

2. If you have received a notification letter, please could you attach a copy to your response.

3. At the time of receiving this request, have you quantified the additional cost that will arise from the changes to debit card processing costs?

4. If you have quantified the additional costs, what will these be?

5. At the time of receiving this request, have you been notified by your card payment processor about the upcoming reductions to charges for processing face-to-face MasterCard consumer card transactions?

6. Has your card payment processor confirmed that they will pass on to you the cost savings for MasterCard face-to-face consumer card transactions?

7. When you receive invoices for card payment processing, which of the following do you verify:
a. The total receipts?
b. The rate applied to each transaction / card type – as against the contract?
c. The mathematics e.g. Visa consumer transaction value £50,000 charged at 1.2% = £600.00?
d. None of the above?

8. Who is your current card payment processing provider?

9. When does your current contract with your card processing provider become due for renewal?

10. Please can you attach a recent statement from your card processing provider.

11. Have you ever suffered from a data security breach?

12. At the time of receiving this request, can you confirm that all your systems are fully compliant with PCi DSS (Payment Card Industry Data Security Standard) and that this confirmation is based on the fact that the council has conducted formal assessment as per the PCi DSS protocol?

Response 17-02-2015

1. No

2. N/A

3. N/A

4. N/A

5. No

6. N/A

7. d.None of the above

8. Bank of Scotland

9. 1 September 2019

10. No

11. No

12. Yes

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