- Come and meet us @NOAH Conference in London

Dear partners and clients,


Next week on 30 & 31 October 2019, we’re attending the NOAH Conference in London. Be sure to arrange a meeting with us via e-mail at sales@trustpay.eu to discuss how to maximize business while minimizing the hassle. Don’t miss your chance to catch up with us!

- Meet TrustPay at SaaStock Dublin 2019

Dear partners and clients,


We’re excited to attend the SaaStock conference in Dublin on 14 – 16 October 2019. SaaStock is considered to be the best conference in Europe for SaaS founders and executives bringing together around 4 000 leaders. In case you are planning to come, let us know and schedule a meeting at sales@trustpay.eu.

- TrustPay introduces new payment gateway to merchants

TrustPay brings a new version of payment gateway according to up-to-date trends and technologies. The payment gateway provides all merchants with more comfort regarding the implementation, payment overview, and transaction processing while offering their customers better, faster, and more secure payments online.

Customers can pay for goods and services online even more comfortably and securely. Instead of being redirected to a new payment page, the customer stays on the merchant’s website. The payment form shows as a pop-up that’s fast, convenient and less time-consuming with every payment.

A significant advantage of TrustPay’s new payment gateway for merchants is an opportunity to customize and modify the gateway’s design according to their taste, to their website or brand. The design of a payment form is variable and entirely customisable for every merchant. Except for style and colour customisation, merchants may upload their logo on the payment form instead of the TrustPay logo.

Besides the new redesign, payment notifications are now more detailed and precise, providing more information and specifics about each payment.

A new payment gateway with original API documentation will be available from September 2, 2019, for all existing and new clients of TrustPay without additional fees.

Richard Tési, Deputy CEO, commented: ” Our constant goal is to provide clients with innovative products that improve the user experience, optimize and streamline merchant processes, and last but not least, increase online payment security. Our new payment gateway is an excellent example of meeting these goals.”

In case of any questions regarding the new payment gateway, please, do not hesitate to contact us at info@trustpay.eu

- TrustPay brings Apple Pay to merchants offering an Easy, secure & private way to pay

Today TrustPay brings its merchants Apple Pay, which is transforming mobile payments with an easy, secure and private way to pay that’s fast and convenient.


TrustPay has successfully integrated and tested Apple Pay to support and accept all payment transactions. Thanks to this innovative and modern method, the checkout process will be a breeze from now on. Contactless payments will be easier to use, secure, fast and available to all merchants. 


Security and privacy are at the core of Apple Pay. Using a credit or debit card with Apple Pay, the actual card numbers are not stored on the device, nor on Apple servers. Instead, a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element on the device. Each transaction is authorized with a one-time unique dynamic security code.


David Rintel, CEO of TrustPay commented: “We are excited to bring Apple Pay to all our merchants as it is becoming more and more popular contactless payment system in the world. By integrating Apple Pay, TrustPay will provide effortless real-time transactions and more security protection to prevent fraud.”


Apple Pay is easy to set up and users will continue to receive all of the rewards and benefits offered by credit and debit cards. Apple Pay works with iPhone SE, iPhone 6 and later, and Apple Watch. 

- Meet TrustPay at Affiliate World Europe ’19

Dear partners and clients,


on 8 – 9 July 2019 TrustPay will be attending and exhibiting at Affiliate World Europe ’19, the world’s premier gathering of influential performance marketers and e-commerce entrepreneurs in Barcelona, Spain.

If you plan to attend and want to meet our team, schedule a meeting at sales@trustpay.eu. Come by and visit us at our booth A34!

- Visa Fraud and Chargeback Rules Update

F2S and Chargeback Ratio Lowered to 0.9% from October 2019


Effective 1st October 2019 Visa will apply new thresholds to improve the efficiency of the Visa Fraud Monitoring Program (VFMP) and the Visa Chargeback Monitoring Program (VCMP).

The main purpose of these Visa programs is to protect cardholders against fraud, protect the integrity of the Visa payment system, and introduce a standardised framework across the world.

Visa calculates the fraud and chargeback ratios as following:

VFMP: Fraudulent transactions (in USD) reported in the past month divided by the sales of the merchant for the past month (in USD) to get the fraud-to-sales ratio.

VCMP: Chargebacks reported in the past month divided by the sales count for the past month to get the chargeback ratio (CTR).

Both programs only take into consideration cross-border transactions, i.e. intra and inter-regional transactions.

The new thresholds from October 2019:

Visa has three thresholds: warning, standard, and excessive. However, Merchants qualified as high risk (MCC’s: 5962, 5966, 5967, 7995, 5912, 5122) will automatically fall under the Excessive Non-Compliance Assessments even if they only break the Standard threshold.




VCMP Standard

• 100 or more in dispute count and
• 0.9 % or higher ratio of dispute count-to-sales count

VCMP Excessive

• 1,000 or more in dispute count and
• 1.8 % or higher ratio of dispute count-to-sales count

VFMP Standard

• USD 75,000 or more in fraud amount and
• 0.9 % or higher ratio of fraud dollar-to-sales dollar amount

VFMP Excessive

• USD 250,000 or more in fraud amount and
• 1.8 % or higher ratio of fraud dollar-to-sales dollar amount


In case of exceeding a threshold, Visa will inform TrustPay. In turn, we will notify our Merchants and will work closely with them to cut down the fraud/chargeback levels. Please, note that non-compliant activity triggers a non-compliance fee. Merchants breaching the Excessive thresholds will be assigned a Non-Compliance Assessment fine for each month of a breach.

TrustPay is taking this opportunity to notify all of the Merchants to take appropriate action to ensure they maintain adequate risk controls to stay below the program thresholds.

Therefore, we would like to advise you to check and confirm that your terms and conditions are properly disclosed to consumers and that you operate in compliance with the TrustPay’s recommendations as well as Visa’s new rules on fraud and chargeback.

If you need any assistance or more information on TrustPay’s chargeback and fraud policies, please, contact your Relationship Manager.

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