Stickypay
Fraud and High Risk Warnings
Avoiding fraud or chargebacks completely is impossible. However, Sticky is engineered to make fraud as unlikely as possible:
- We can categorically prove someone physically made a transaction even if it's "eComm" because we control the consumer interface (the sticky)
- We have the most first-party card holder present data of any platform in the world
- 99% of our customers' goods and services are delivered immediately and in the presence of the recipient (e.g. retail, hospitality)
- Our customers clearly describe and label their goods and services through their Sticky dashboard
To take fraud as close to 0 as possible, be wary of consumers ordering:
- A large number of goods or services quickly
- Goods and services in a way that doesn't fit a typical trading scenario (expensive drinks on a regular afternoon)
- Goods and services which they appear to be consuming recklessly (e.g. they are very drunk)
PCI
The Payment Card Industry Data Security Standard (PCI DSS) exists to help everyone protect sensitive card data like the account number, expiry date and three-digit security code (CVV).
This data is valuable to criminals because it can be used to make fake cards, get cash out of ATMs and buy illegal goods. Sometimes they simply sell the data online for others to abuse. Criminals look for this data in a variety of places from point-of-sale systems and servers to card readers.
Sticky takes a "no nonsense" approach to PCI. We don't charge for PCI compliance and we don't charge for non compliance because it's impossible to be non-compliant:
- All transactions happen on Sticky's web property - transactions cannot take place on any other domain or your own website, so there are very few opportunities for vulnerabilities like external code injection and form sniffing
- You can't access customers' card data in any way (not even a part of the card number)
- MOTO (mail order, telephone order) is forbidden and disabled on our card readers and there is no online MOTO functionality
- We automatically generate PCI SAQ A and SAQ B-1 attestation paperwork for you
Scheme fee
Mastercard and Visa charge a fee to Sticky for using their network to process a transaction. This is known as a "scheme fee" because Mastercard and Visa are both card schemes.
The scheme fee is made up of a percentage and a fixed fee and depends on where the customer card was issued and your location.
Sticky pays this fee for you as part of our standard pricing. You don't need to pay anything extra.
Visa
| Region | |
|---|---|
| Domestic | Merchant and issuer are in the same country |
| Intra | Merchant and issuer are in Europe except transactions in and out of Turkey, Israel and Switzerland which attract Inter |
| Inter | Merchant is in Europe and issuer is in another region |
| Region | Card | Method | % fee | Fixed fee (€) |
|---|---|---|---|---|
| Domestic | Debit | Face to face (CHP) | 0.036% | 0.0082 |
| eComm (3DS) | 0.046% | 0.0282 | ||
| eComm (no 3DS) | 0.046% | 0.0082 | ||
| Recurring | 0.046% | 0.0082 | ||
| Credit | Face to face (CHP) | 0.041% | 0.0082 | |
| eComm (3DS) | 0.051% | 0.0282 | ||
| eComm (no 3DS) | 0.051% | 0.0082 | ||
| Recurring | 0.051% | 0.0082 | ||
| Intra | Debit | Face to face (CHP) | 0.036% | 0.0168 |
| eComm (3DS) | 0.046% | 0.0368 | ||
| eComm (no 3DS) | 0.046% | 0.0168 | ||
| Recurring | 0.046% | 0.0168 | ||
| Credit | Face to face (CHP) | 0.041% | 0.0168 | |
| eComm (3DS) | 0.051% | 0.0368 | ||
| eComm (no 3DS) | 0.051% | 0.0168 | ||
| Recurring | 0.051% | 0.0168 | ||
| Inter | Debit | Face to face (CHP) | 0.0486% | 0.1075 |
| eComm (3DS) | 1.018% | 0.1275 | ||
| eComm (no 3DS) | 1.108% | 0.1075 | ||
| Recurring | 1.108% | 0.1075 | ||
| Credit | Face to face (CHP) | 0.0697% | 0.1075 | |
| eComm (3DS) | 1.1018% | 0.1275 | ||
| eComm (no 3DS) | 1.108% | 0.1075 | ||
| Recurring | 1.108% | 0.1075 |
Response codes
Stickypay charges the same fee for authorisation (successful transactions) and declines (unsuccessful transactions).
| Code | Reason | Decline fee? |
|---|---|---|
D | Decline | Yes |
R | Referral (decline) | Yes |
V | Validation error (e.g. invalid card number) | No |
B | Blocked | No |
C | Cancelled | No |
S | System error | No |