Each transaction is fully encrypted
to 128 bits, and your information is kept encrypted at all points
between the shopping cart, processing software, and transacting
Not even the merchant sees your credit
Due to this level of security, we
do not recommend phone orders. Our customers are better protected
by purchasing directly from the website than from dictating the
information over an unsecured phone line.
This is for both the customer's and
the merchant's benefits. If something does go wrong with a customer's
account such as an identity theft, we do not want to be
on the list of people who have been given the account information!
If a customer insists on purchasing
over the phone however, we can.
Customers should also know that they
always have the upper hand in a credit card transaction. Should
there be a suspicious transaction, it can always be challenged
through the issuing bank whose toll free number will be printed
on the back of the credit card. The customer may be asked to fill
out a form, but that is it. Credit card companies go to extraordinary
lengths to protect their customers.
A merchant who receives a challenged
transaction will be penalized with fees from the processor, so
it is an action that should not be taken lightly by the customer.
A merchant has the right to then provide documentation to challenge
the challenge, and is given a measure of due process.
This is a good system, as it allows
customers to purchase online without undue concern and merchants
who practice due dillengce to accept transactions. Rarely there
are those who attempt to exploit this system to try to receive
free merchandise by purchasing and challenging. Such 'customers'
are cheerfull put before our collections agency!