International Credit Card Transactions
Description
What's in this article?
You may encounter a customer with a credit card that has an international billing address. Bank of America supports card present transactions using international cards at merchant locations domiciled within the 50 US states and in US territories (E.g., Puerto Rico, US Virgin Islands). These cards are accepted as a dip/swipe/tap on your terminal and the transaction will appear on the cardholder’s statement in US dollars. If the transaction must be manually keyed while the cardholder is present, use the Virtual Terminal.
NOTE:
Dynamic Currency Conversion (DCC) is not supported.
For card not present transactions, international credit cards can be accepted by manually keying the transaction into the Virtual Terminal. The transaction will appear on the cardholder’s statement in US dollars.
NOTE:
For card not present transactions originating outside of the 50 US states and US territories, your website must allow shipping to other countries.
To process an international payment on Virtual Terminal
- Log in to your Merchant Services account in Business Advantage 360 online banking.
- Run the transaction in Virtual Terminal, entering the billing country and address, including ZIP or postal code. For Canadian addresses, enter the Province or Territory as the State and the Postal Code in the ZIP code. Do not enter the space for the postal code, for example M5V 3L9 would be entered M5V3L9.
- A successful transaction will be displayed in the transaction list.
IMPORTANT!
ZIP or postal code is required for all countries; however, Address Verification System (AVS) can only be used to confirm addresses in the U.S. and Canada.
If you submit an address outside of the U.S. and Canada, you will receive the response message "G" for "Global". In such cases, you should take further steps to verify the address. You will be liable for any chargebacks if you accept the transaction, even if the card issuer approves it.