We offer personalized service through our Merchant Client Support Center at 1-800-828-1629 Monday - Friday 8:00 a.m. to 6:00 p.m.

You can also visit us at commercebank.com

Merchant Client Support Center

Season’s Greet-

CED0211I

New Solutions from Commerce Bank

ROAMpay enables businesses to transform mobile phones into secure point-of-sale terminals capable of processing major credit cards. Plus, ROAMpay is simple since it requires two items you already have – your current cell phone and your calling plan.

Also, you can use ROAMpay Swipe, a small mobile swipe attachment for your cell phone that allows you to swipe card transactions.

Key Benefits l Connects through your device’s audio input jack l Available on over 200 mobile phones and all major carriers l Serves as a virtual terminal for your phone and your PC or Mac. l Quick activation – 15-30 seconds to load application to a phone

Contact Commerce Bank at 1-800-828-1629 to learn more about ROAMpay.

• PCI DSS Compliance Reminder P.2

• Tips for Handling Returns P.2

• Steps for Obtaining Authorization P.3

• Safety and Soundness Highlights P.3

• Introducing Business Track P.4

Inside...

ROAMpay turns phones into point of sale devices

Managing payment processing can be extremely time-consuming, and paper statements often don’t provide the details you need. This is why Commerce Bank offers Business Track (previously known as Clientline), a powerful online payment processing tool that allows you to eliminate multiple passwords, dispersed information and inadequate detail.

Business Track gives you the ability to choose the information you need anytime, anywhere you have internet access. Paper statements, confirmation letters and funding notification forms can all be replaced by a single sign-on.

Business Track’s Dashboard View provides all the essential processing information to streamline reconciliation, including recently posted and funded transactions. With transaction details organized in reports that suit your needs, you can easily drill down into funding events and reconcile total sales.

Key Benefits• View transaction reporting for all

groups or selected locations• Balance processed activity at the

terminal level for each location

• Run scheduled reports for groups with reports automatically delivered

• Provide detailed reports identifying locations with higher processing costs

• Respond quickly to customer inquiries about sales or credit transactions

• Secure data retention provides histories for up to a year

To get started with Business Track, please visit www.myclientline.net or www.businesstrack.com and sign up.

Introducing Business Track: Reporting to Help Manage Your Business

Commerce Bank offers TransArmor as a powerful security solution that protects payment card data throughout the entire transaction process. The data is protected by two layers of security, known as encryption and tokenization.

Encryption protects the data moving through your systems prior to authorization. Tokenization removes the card data from your environment by replacing the primary account number with a randomly generated data substitute, known as a token. These two layers of security constantly maintain the safety of sensitive payment information.

Key Benefits l Reduce card data vulnerability and merchant liability l Minimize PCI DSS compliance costs l Increase IT resource efficiency

In order to realize the full benefits of TransArmor, your business will need the appropriate point-of-sale (POS) solution. Contact Commerce Bank at 1-800-828-1629 to find if your POS solution will support TransArmor.

TransArmor protects payment card data

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This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this material.

ask listen solve and call click come by are trademarks of Commerce Bancshares, Inc. ©2011 Commerce Bancshares, Inc.

Exclusively for Commerce Bank Merchants

Winter 2011

MERCHANT NEWS

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Guidelines for Handling Returns

Reminder: Recertify to Maintain PCI DSS ComplianceAll merchants and their service providers that either store, process or transmit cardholder data are required to comply with the Payment Card Industry Data Security Standards (PCI DSS). PCI DSS is the single, global standard for the storage, processing and transmission of cardholder data.

Although you may have achieved compliance before, you are required to submit the self assessment questionnaire annually to maintain compliance and avoid non compliance fees. To renew your certifi-cation, please follow the steps below.

Steps to Recertify

1. 30 days prior to your certification expiring, you will receive an email from Trustwave alerting you that you need to recertify.

2. Log in to your TrustKeeper account – https://login.trustwave.com, username: your email address

3. Review the “PCI Self-Assessment” section

on your dashboard.

4. Click “Start” to restart your Self-Assessment Questionnaire. (If you have already begun a new Self-Assessment, click “Continue” to complete it.)

Once you have updated your PCI Self-Assessment, your PCI Certification Status on your dashboard will indicate that you have renewed your SAQ for another year.

If you have any questions, please contact the Merchant Client Support Center at 1-800-828-1629.

If a customer returns something purchased with a credit card, be sure to process a credit to that same card account. It’s simple, accurate and recorded on your statement for future reference.

The card companies (Visa®, MasterCard®, Discover® and American Express®) do not permit cash or check refunds on any of their credit or check cards. If cash or check refunds are issued and the transaction would turn into a chargeback, your business could lose the refund as well as the chargeback. As a result, following their policies protect you and the cardholder.

By issuing a credit, your business is protecting your customers against someone fraudu-lently using their card account and then returning the merchandise for cash.

And be sure to follow these other helpful tips to help with returns.

Post a Return and Exchange PolicyIf you’re a brick-and-mortar merchant, display your Return and Exchange policy at the point of sale. Have your terminal set up so that your policy is printed on your receipts. Mail order merchants are required to disclose their policy on the mail order form, invoice or contract.

E-commerce merchants must communicate their refund policy during the ordering process, and require customers to accept it.

Use Gift Cards as In-Store CreditBy issuing a gift card in the amount of the return for cash and check transactions, you can save the sale and maybe even end up with a new customer. If you handle returns and exchanges smoothly, customers will remember your good service and may return.

If you have any questions, please contact the Merchant Client Support Center at 1-800-828-1629.

Take the Proper Steps for Obtaining an AuthorizationWhen accepting card payments, merchants must take the appropriate steps to obtain an authorization on every transaction, regardless of dollar amount. The authorization steps and tips below will help you protect your business and your cardholders.

Card Authorization Process1. Swipe the card through your terminal in

the direction indicated.

2. Enter the dollar amount of the trans-action and request authorization.

3. Check the authorization response and take appropriate action.

4. Compare the card to the sales receipt.

• Ensure the name and last four numbers on the card match those on the sales receipt

• Make sure the signatures match

Important Tips• Authorization must be obtained

through the terminal when the card is swiped or manually keyed.

• If a ‘call center’ or ‘call’ message is received, you must call 1-800-228-1122 to get a valid authorization. Never make up an authorization number as you will not have any chargeback rights.

• If a declined response is received, do not attempt to reauthorize the card for the same or similar amount. Ask for another form of payment.

• Do not split a transaction in order to obtain an authorization for a larger amount.

• If the card number is manually keyed, you must get an imprint of the card for fraud chargeback protection. Be sure to write the authorization number obtained on the imprinted receipt.

Good News for Commerce Bank Clients!

Commerce Bank: Strength and Stability

• Top 10 on Forbes’ list of America’s Best Banks two years running, Forbes magazine (December 2009 & December 2010)

• Top 50 bank holding company based on asset size, National Information Center, www.ffiec.gov (March 31, 2011)

• Bank Director Magazine ranked Commerce Bank No. 7 in its 2011 list of best performing banks based on its corporate scoring system. (3rd Quarter 2011)

• Commerce is one of only three banks in the country that holds the B+ rating from Moody’s, which is its highest bank financial strength rating, Moody’s Investors Service, Inc. (December 2010)

• Commerce Bank is the 2nd largest commercial bank not to accept TARP funds.

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