Merchant Processing Overview

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10 Δεκ 2013 (πριν από 3 χρόνια και 6 μήνες)

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Chris Moore, Strategic Account Leader
-
Elavon

Merchant Processing

Overview

2

Agenda



Introduction


Key personnel associated with Commonwealth of Virginia processing contract


Credit Card Processing


Costs, Tips on lowering those costs, reading your statement, and those darned chargebacks!


The Industry Today
-
What is going on?


Durbin Amendment, Visa Government Program, Visa/MC Litigation update,


Exciting Industry Information (ok, its not exciting, but it is important!)


Payment Card Industry Data Security Standard (PCI
-
DSS)


Compliance with PCI guidelines and Validation of Compliance


EMV (Chip and PIN)


Timelines and Elavon Compliance


Convenience Fees


Rules and Regulations and Revenue Neutral Modeling


Elavon Products and Initiatives


Safe T Suite


Virtual Merchant and Virtual Merchant Mobile


Elavon POS Terminals


Electronic Check and Electronic Gift Cards


Q and A

KEY PLAYERS

3

4

Define Who’s Who

Elavon

Relationship Management


Chris Moore, Strategic Account Leader


Senior Elavon Contact within Elavon


Contact Information


Email: Chris.Moore@Elavon.com


Phone: (800) 725
-
1245 x8711


Dana Puleo, Payment Relationship
Manager


Senior Operational Contact within Elavon


Contact Information


Email: Dana.Puleo@Elavon.com


Phone: (800) 725
-
1245 x8631

Elavon Sales (for new Public Bodies wishing to
participate in the Elavon/Virginia Treasury
contract)


Kevin Grothouse, Sales Executive


Contact for new Public Bodies to
participate in Virginia/Elavon contract


Email: Kevin.Grothouse@Elavon.com


Phone: (513) 632
-
4496






COV Treasury


For Agencies wishing to participate
in the Elavon/Virginia Treasury
contract as well as any other
questions related to
Elavon/Treasury contract.


Lydia Connelly


Cash Management Analyst


Lydia.Connelly@trs.virginia.gov


(804)
786
-
1363


Tina Wilhelm


Assistant Manager, Banking Services


Christina.Wilhelm@trs.virginia.gov


(804) 225
-
2647


Bob Schmitt


Manager, Banking Services


Bob.Schmitt@trs.virginia.gov


(804) 225
-
2648



5

Credit Card Processing and Associated Costs

6

A Quick Primer on Process Flow

Ecommerce Gateway

E
-
Commerce


Transaction

Counter


Transaction

7


Association fees


Interchange Cost


Assessment Fees


Miscellaneous Fees


Elavon Costs


Processing Fee


Voice Authorization


Chargeback


Equipment

What are the different kinds of cost?

8

Card Association Costs (Interchange and Assessments)


Managed and updated by the Card Associations


Interchange costs vary in amount based on:


Industry type


Manner which cards are authorized (keyed, swiped)


How the card is processed (information such as AVS, timely batch settlement)


Card Product
(Consumer, Check Card, Commercial/Corporate, Rewards)

Elavon/COV Treasury Contract Costs



Managed by Treasury and Elavon


Credit Card Costs as follows:


$0.02/Authorization as of July 1, 2013 (previously $0.025/Authorization)


Lowering this fee has saved contract
participants $
30k
-

an average of almost
$10k/month
!


Voice Authorization fees between $0.55
-
$1.25


Chargeback fees of $5


Average transaction cost for contract participants is below 1.50% per transaction (that
includes the $0.02 Authorization fee!).

9

Interchange Fees


Some Rate Examples



Visa


CPS Retail 2: 1.43% and $0.05


Corporate/Business Cards: Between 2.2% and $0.10 and 2.65% and $0.10


Rewards Cards: 1.65% and $0.10 (Swiped), 1.95% and $0.10 (Keyed)


Regulated Debit Cards: 0.05% and $0.23


EIRF: 2.30% and $0.10


Corporate Standard: 2.95% and $0.10


MasterCard


Public Sector: 1.55% and $0.10


Merit 1: 1.89% and $0.10


Corporate Data Rate I: 2.65% and $0.10


Corporate Standard: 2.95% and $0.10


Standard: 3.05% and $0.10


Note that rates in
red

are rates to look out for on your statement; rates in
green

are rates that give you the best opportunity to pay the least amount
of money
.



10

Interchange Costs


Card Association

Card Association Fees

MasterCard



Assessment of 0.11% on transactions < $1000


Assessment of 0.13% on transactions > $1000


$0.0025 per transaction for use of CVV2 information


$0.0195 per transaction NABU fee


0.40% per International Card


$0.045 Processing Integrity fee (authorizing a card with no settlement or reversal)


0.0045% Acquirer License Fee

Visa


Assessment of 0.11% on all transaction


0.40% per International Card


$0.0025 Clearing Access fee


$0.0195 NAPF fee


$0.0045
Mis

Use of Authorization Fee


11

Interchange Costs


Card Association

Card Association Fees

Visa FANF fees


Visa has a Fixed Acquirer Network Fee (FANF) charged each month.


This fee varies based on whether the transactions are swiped or key entered.


For merchants that Swipe transactions, this fee is charged based on the number of
locations.


The fee for these merchants actually goes up (per location) the more locations you add.


For merchants that Key Enter transactions, this fee is charged based on the monthly
volume.


The fees are constant for each merchant volume threshold across the enterprise.


Visa charges these fees by Fed Tax ID, not Merchant Number.


Elavon can (and does) break up fees proportionately by Merchant Number to ensure
that merchants are billed proportionately.


12

What kinds of charges should I not be paying?


Minimum Discount Fees (Card Min Bill)


PCI Fees


Statement Fees


Merchant Connect Fees (we don’t charge for access)


ACS fees


Reporting Fees


Generally speaking, the only fees you should see on your statement are:


Interchange and Assessment Fees


Elavon Authorization fees ($0.02/item)


Equipment fees (terminal purchases, Virtual Merchant Monthly Fees)


Token fees/Safe T Suite fees (if used)


Chargeback Fees


Voice Authorization fees


13

So how do I control my costs?

Consider


Only One Authorization per Transaction



Consider Account Verification Status
Check according to business need
(remember it costs $0.025/trans)



Avoid processing $1 Pre
-
Auth

with no
matching settle transaction (remember it
costs $0.045/trans)



Avoid processing $1 Sale with no
matching settle transaction or void
(remember it costs $0.045/trans)



Always


Close Batch Daily if not setup on Auto
-
Close


Always

follow POS device transaction
prompts entering valid data not pressing
enter or “0” to by
-
pass the prompt


Hand
-
keyed
Transactions


Always
Enter
Address Verification ((AVS) Zip Code)


Commercial
Cards


Always

Enter Sales Tax
and Customer Code When Prompted at the
Point
-
of
-
Sale


14

Chargebacks

A Chargeback is a transaction disputed by the Cardholder or Card Issuing Bank


If a Merchant receives a Chargeback, the Acquirer will debit the
Merchant’s DDA (checking account) for the amount of the Transaction


There are many reasons for chargebacks, but the most common are:


Returned merchandise


Terminated services


Disputes, errors, or fraud



Merchants
must

be able to provide proof that the disputed transaction is valid
and in accordance with Visa/MasterCard regulations or risk having their
account debited for the disputed transaction amount as well as chargeback
fee

15

What Does a Chargeback Mean to Me?

For the merchant, a chargeback translates into:


Additional
processing time

and
cost


A more
narrow profit margin

for the sale


And, possibly a loss of funds/revenue


Important Note:


Carefully track and manage the received chargeback disputes


Take steps to avoid future chargeback disputes


Know your re
-
presentment rights to chargeback disputes



Always consider taking measures to recover losses from customers who
are financially liable for transactions that were charged back to you, the
merchant

16

How to Prevent Chargebacks

Remember to
-



Avoid duplicate processing of a Transaction


Work with the Cardholder to resolve disputes regarding the quality of
merchandise or services rendered


Refuse to process a Transaction when you receive a Declined Code during
Authorization


Call for Voice Authorization if needed


Call for
Code 10

Authorization if you are still suspicious of the Cardholder,
Card or Transaction after receiving an Approval Code

17

Remember to
-



Verify that Transaction Receipts equal the POS device to eliminate
duplicate transactions


Include a description of goods or services on the Transaction Receipt


Deliver merchandise or services before charging the Card


Obtain an Authorization Code


Include the CVV2/CVC2 and AVS Codes for Card Not Present Transactions
if applicable


Submit Transaction Receipts on the same day Transactions are authorized


Make sure an Imprint appears on Manual Transaction Receipts or that the
relevant Transaction information appears on the Terminal
-
generated
Transaction
Receipt


Do
not

accept expired Cards or Cards
that have expiration date that
predate the Transaction


Make sure the signature on the Transaction Receipt matches the
signature on the back of the card



How to Prevent Chargebacks

18

Understanding Your Statements


Section of Statements


Chain/Merchant Statement
-
Activity Summary


Chain/Merchant Statement
-
Volume Summary


Chain/Merchant Statement
-
Processing Fees


Chain/Merchant Statement
-

Association Fees


Chain Statement
-

Merchant Level Fee Breakout


Chain Statement
-

Merchant Level Sales


Merchant Statement Only
-
Authorization Fees



Chain/Merchant Statement
-

Activity Summary
Section

19

Chain/Merchant Statement
-

Volume Summary
Section

20

Chain/Merchant Summary
-
Processing Fees

21

Chain/Merchant Summary
-
Association Fees

22

Chain Statement
-
Merchant Level Fee Breakout

23

Chain Merchant Summary
-

Merchant Level Sales
(MTD and YTD)

24

Merchant Statement only
-
Authorization Fees

25

26




Industry Updates

27

The Durbin Amendment


Took effect October 1, 2011 as part of the Dodd
-
Frank act and the
Consumer Protection Reform act.


Debit Card Costs
-
Capped at 0.05% and $0.23 per transaction.


These costs are under review by the District Court in Washington, DC, based
on a lawsuit from various retail


Their contention is that the Treasury has allowed too much leeway in the
costs, resulting in costs that are too high for card transactions.


This case is still under review, and there is no timeline as to when or if the
per transaction costs will be adjusted.


Second key area is that a minimum purchase amount can be set (not to
exceed $10).


Third key provision is that merchants can offer a discount for cash or debit
cards.


Additionally, Debit cards have to offer multiple networks for processing.

28

Visa/MC Antitrust legislation


In 2012, Visa/MC proposed a settlement to class action litigation against
Visa/MC relative to egregious interchange fees.


This settlement has not yet been finalized. For the settlement to be
finalized, the Court must approve the settlement and 70% of merchants
(as determined by total merchant volume)
must

“opt
-
in” to make the
settlement valid.


Final hearing was on September 12, 2013; no final decision from court has yet
been made.


Several large entities have already said that they will not participate in the
settlement, including the National Association of Restaurants, National
Association of Convenience Stores,
Wal

Mart, and Target. COV and other
states (such as Oregon and California) are not participating as well.


If the Settlement is approved and put into place, key measures will be put
into place:


The Associations will rebate $6.05B in cash to merchants.


Additionally, the associations will adjust interchange by 0.10%


Merchants will be able to surcharge transactions, even in Retail environments.

Exciting Industry Information


29

EMV (Chip and PIN)


EMV is an acronym for
Europay
, MasterCard, and Visa. It
references the global standard for Integrated Circuit Chip
cards (or simply Chip cards) that interact with various POS
devices to authenticate purchases.


EMV is the technology that allows cardholders to be validated
via PIN entry at the time of purchase.


Currently only available in a Card Present/Swipe environment.


EMV is widely used in other parts of the world today,
particularly Europe.


Actually invented in 1977, they first started use in Europe in
1984 with a large French bank rollout.



30

EMV (continued)


Consumer payment application is resident in a secure
Integrated Circuit Card (ICC) or contactless chips in smart
cards or personal devices such as smart phones


EMV Standards are managed by
EMVCo
.
EMVCo

is a company
founded by the major card brands (Visa, MC, Discover) to
manage the overall standard. AMEX also belongs to
EMVCo

as
of 2009.



EMV works by using the technology you have (i.e. the card)
along with the technology you know (such as PIN) to validate
authenticity.


Elavon is required to be compliant with this standard as of
October 2015. We are currently working on timelines and
product offerings to ensure merchants can comply with this
standard.

31

32

Convenience Fee Rules Overview

Imposing a Convenience fee is permissible under the following conditions:


Transaction
must be processed in a non
face
-
to
-
face
environment


The Payment channel needs to provide a true convenience to the cardholder and the
card member must have the ability to pay the transaction in another environment
without fees


The fee needs to be disclosed prior to the completion of the sale with an opportunity to
cancel the transaction prior to the cardholder being charged.


This fee must be disclosed as a convenience fee and not a surcharge.


Convenience fee needs to be applied to all payment channels (Visa, MC, AMEX, DI, ACH).


Visa requires that all fees must be a fixed amount; MC and Discover allow percentage
based fees.


Visa requires that all Convenience Fees be assessed in the same transaction amount.


Visa does have programs specifically for Tax Payment programs that have different
allowances.


Visa and MasterCard both prohibit establishing minimum or maximum transaction
amounts for a purchase.

33

Convenience Fee exception

Commonwealth of Virginia State Law

§

2.2
-
614.1. Authority to accept revenue by commercially acceptable means; service charge; bad check charge.

A. Subject to
§

19.2
-
353.3
, any public body that is responsible for revenue collection, including, but not limited
to, taxes, interest, penalties, fees, fines or other charges, may accept payment of any amount due by any
commercially acceptable means, including, but not limited to, checks, credit cards, debit cards, and electronic
funds transfers.

B. The public body may add to any amount due a sum, not to exceed the amount charged to that public body for
acceptance of any payment by a means that incurs a charge to that public body or the amount negotiated and
agreed to in a contract with that public body, whichever is less. Any state agency imposing such additional
charges shall waive them when the use of these means of payment reduces processing costs and losses due to
bad checks or other receivable costs by an amount equal to or greater than the amount of such additional
charges.

C. If any check or other means of payment tendered to a public body in the course of its duties is not paid by the
financial institution on which it is drawn, because of insufficient funds in the account of the drawer, no account
is in the name of the drawer, or the account of the drawer is closed, and the check or other means of payment is
returned to the public body unpaid, the amount thereof shall be charged to the person on whose account it was
received, and his liability and that of his sureties, shall be as if he had never offered any such payment. A penalty
of twenty
-
five dollars or the amount of any costs, whichever is greater, shall be added to such amount. This
penalty shall be in addition to any other penalty provided by law, except the penalty imposed by
§

58.1
-
12

shall
not apply.

(2002, c. 719.)


Visa Government Program


Allows governments to add a fee onto any type of
transaction.


Allows for Percentage Based fees on Credit Cards; Debit
Card fees are capped at $3.95 and must be fixed.


Registration through Elavon and Visa is required.


Fee must be clearly disclosed.


Fee must be a separate amount from the actual payment
amount.


Fee must be CPS qualified:


Transaction should be settled within 24 hours


Transaction must include ZIP Code information if key entered

34

Revenue Neutral Solution


Elavon has the ability to process transactions for
government accounts with no fees to the merchant.


The way this works is that Elavon will collect the extra
money from each transaction (surcharge) and keep that;
merchant receives 100% of all revenue collected.


Requirements:


Merchant must be registered with Visa Government program.


Merchant must have additional fee on all transactions.


Merchant must process as separate transactions (in accordance
with Visa guidelines)


Elavon will set the fee amount and collect 100% of all fee revenue.
The fees are calculated based on expected Interchange costs as
well as Elavon overhead for managing the program.

35

36

Payment Card Industry


Data Security Standards


Are you compliant….

37

Payment Card Industry
-

History


Visa instituted the
Cardholder Information Security Program (CISP)

in June 2001, the program is
intended to protect cardholder data

wherever it resides

ensuring that merchants, and service
providers maintain the highest information security standard.


The CISP and related MasterCard Site Data Protection (SDP) programs were implemented to help
ensure consumers that the businesses they are dealing with maintain the security of their bankcard
account and other personal identifiable information.


Visa and MasterCard aligned their security requirements in December 2004 to form a Payment Card
Industry Standard for Security.


PCI Data Security Standard requirements can be found at
https://www.pcisecuritystandards.org

.


These data security requirements require all entities that store, process, or transmit card data to be
compliant with these payment card industry standards for security.


This program generally requires all merchants who store, process, or transmit card data to complete
an annual security questionnaire and have their IP addresses scanned quarterly by a VISA/MC
certified vendor.


Compliance has many benefits: Safe harbor from fines if a location is hacked and the VISA/MC “good
seal of approval for” processing, customer confidence and maintain brand reputation.

38

What level is your account?


PCI
-
DSS is categorized into 4 levels



Level I


Any Merchant processing over 6MM Visa transactions annually



Level II


Any Merchant processing between 1MM


6MM Visa transactions annually



Level III


Any Merchant processing 20K


1MM Visa E
-
commerce transactions
annually



Level IV


Any Merchant processing less that 20K Visa E
-
commerce transactions, or
less than 1MM Visa transactions regardless of the channel


39

12 Guidelines for PCI Compliance

1.
Install and maintain a firewall configuration to protect cardholder data

2.
Do not use vendor
-
supplied defaults for system passwords and other security
parameters

3.
Protect stored cardholder data

4.
Encrypt transmission of cardholder data across open, public networks

5.
Use and regularly update anti
-
virus software

6.
Develop and maintain secure systems and applications

7.
Restrict access to cardholder data by business need
-
to
-
know

8.
Assign a unique ID to each person with computer access

9.
Restrict physical access to cardholder data

10.
Track and monitor all access to network resources and cardholder data

11.
Regularly test security systems and processes

12.
Maintain a policy that addresses information security

40

Non
-
Compliance: Risks, Fines, Fees, Costs, Loss


Damage to brand/reputation


Investigation costs


Remediation costs


Ongoing compliance audits


Victim notification costs


Financial loss


Fines and Fee


Non
-
compliance (each brand issues
separate fines)


Re
-
issuance


Fraud Loss



Data loss


Chargeback’s for fraudulent
transactions


Operations disruption


Sensitive info disclosure


Denial of service to customers


Possibility of business closure


Potential legal liabilities beyond the
Association rules

41

4 New PCI DSS Self Assessment Questionnaires (SAQ)

In an effort to make the process of becoming PCI DSS compliant more streamline,
the PCI Council has developed 4 new SAQ’s for merchant validation. New SAQ’s
are as follows:


SAQ A:


Addresses requirements applicable to merchants who have outsourced all cardholder data storage,
processing and transmission.

SAQ B:


Created to address requirements pertinent to merchants who process cardholder data via imprint
machines or standalone dial
-
up terminals only.

SAQ C:


Constructed to focus on requirements applicable to merchants whose payment applications
systems are connected to the internet.

SAQ D:


Designed to address requirements relevant to all service providers defined by a payment brand as
eligible to complete an SAQ and those merchant who do not fall under the types addressed by SAQ A, B, or
C.



The new questionnaires and further information can be found at:
https://www.pcisecuritystandards.org


What roles do Elavon and Treasury play in my
PCI compliance validation?


Treasury
-

Maintains the contract with Elavon, which requires
compliance with applicable PCI security standards.


Elavon
-

Serves as a resource for questions related to PCI, and
also serves to provide guidance on the PCI process.


Elavon is responsible for ensuring that merchants comply with PCI
guidelines and is liable to Visa/MC for any fines.


42

So what are my responsibilities related to
compliance validation?


Complete

the applicable questionnaire(s) annually.


Scan

your systems quarterly (if applicable) using an approved
third party scanning vendor.


Ensure

that your systems are secure and that cardholder data
is not retained.


43

44

Elavon Products

Virtual Merchant


Virtual Merchant is a proprietary Elavon gateway that can be
used as either:


Virtual Terminal
-
Allowing for local PC based processing of both Key
Entered and Retail transactions.


Gateway
-

Allowing for mapping of transactions to process through
Virtual Merchant to the Elavon host.


Virtual Merchant is hosted by Elavon. The only technical
requirement for use is Internet Explorer and an internet
connection.


Development to the Ecommerce gateway utilizes HTTPS
protocol.


Ecommerce merchants can also utilize an Elavon hosted payment
page, further reducing PCI scope.


Development accounts are available for your needs.

45

Virtual Merchant Mobile


Virtual Merchant Mobile is an Elavon product that allows you
to turn your tablet or
Iphone
/Android device into a portable
terminal.


The Virtual Merchant app itself is free and can be
downloaded from the ITunes store or Google Play Market.


This app allows you to key enter or swipe transactions, and
have those transactions processed just like on a terminal or
Virtual Merchant.


Note
-
Swipe transactions require the purchase of a
swiper

device.

46

Elavon Terminals


Elavon has stand alone terminals that allow for credit card
processing.


Elavon has several different models to choose from. Some
basics:


Terminals can connect either via LAN connection (IP) or Analog phone
lines (dial). Note that digital phone lines are not recommended.


Terminals are menu driven.


Terminals are simple, easy to use, effective processing solutions that
require little training or knowledge.


47

48

Electronic Check Service (ECS)

Elavon’s

ECS service provides merchants with the ability to process checks
electronically, without the need to take checks to the bank.


Checks are “imaged” meaning that a copy of the check is captured electronically and
then routed for payment.


Most types of checks can be supported including Business, Corporate, Consumer


With Dual Sided Imagers, we can also support Money Orders, Treasury Checks,
Traveler’s Checks, Third Party Checks…pretty much any kind of check presented can be
used with this service.


Check amounts deposit with your Credit Card batches, and reflect on all Elavon
reporting.


For large scale environments, Elavon can also support high speed imagers.


49

ECS Service Level Options


Conversion with Guarantee


Checks are converted into electronic transactions and all funds are guaranteed


All paperwork is eliminated


no follow
-
up needed from merchants


The retailer assumes no risk for all qualified and approved transactions


Conversion with Verification


Checks are imaged and converted into electronic transactions


Routed for verification either through the participating Visa bank or through
EnCircle for ACH submission


Retailer retains the risk of returned items for all transactions


Conversion only


Checks are imaged and converted into electronic transactions, retailer performs
own authorization


Retailer retains the risk of returned items for all transactions


50

Checks can be taken either Face to Face or via Mail


Face to Face (Point of Purchase or POP)


Enables merchants to convert checks to electronic transactions in a check
present/consumer present environment at the time of check acceptance


Utilizes
Direct

DDA, the ACH network and Check Replacement Documents (CRD’s)
for authorization and clearing


Signature required


Check must be returned to check writer


Posted and take away consumer notification required


Non Face to Face (Accounts Receivable Conversion or ARC)


ARC is used for check present/consumer absent transaction
environments such
as Receivables Payments, Mail Orders, or Drop Box/Lock Box environments


Customers are provided a notice that checks will process remotely.





51

Elavon Gift Card Solution




Elavon’s

Gift Card solution can allow merchants to have a Custom Designed stored
value card to allow access to customer sales.


Increased Sales


Attract new customers to the business


Retains full face value = no cash back


Switching from paper certificates to gift card can result in 2
-
4 times the volume…by
capitalizing on impulse purchases


61% of recipients spend more than the card value


Most consumers spend 25% more than the

face value of the card when redeeming a card

received as a gift


Reduced Costs


More efficient and cost effective than paper


Increased Security and Reduced Fraud


Cards have no value until activated


Easy to Use


Works seamlessly with same solutions used for credit cards


Electronic reporting and tracking

Safe T Suite


Elavon is offering Safe T Suite as a customizable solution for
transaction security.


Safe T Suite has two different areas of focus to ensure your
transaction security:


Transactions at rest
-

Allows for safe storage of credit card numbers
by the use of Tokens. These numbers replace the actual credit card
numbers, and allow for safe storage and reprocessing of live card
data.


Transactions in motion
-

The ability to encrypt data
at the point of
swipe

allows for merchants to ensure that the transaction data is not
viewable at any portion of the retail process
-
from inception at the
point of swipe all the way through to Elavon.

52

Safe T Suite


What are the benefits of Safe T Suite?


Reduced PCI Exposure


Limit or eliminate the PCI exposure merchants have with the use of this
product.


Increased cardholder security


Cardholder information is always safe
-
reducing or eliminating any threat,
even in the event of a breach.


Enhanced business profile


Agencies and Public Bodies can advertise to their client base that their
transactions are secure, enhancing the confidence cardholders have to
pay via credit card.


Customized solutions


Solutions to meet the technical needs of your enterprise.

53

Purchasing Information


Contract participants wishing to purchase processing
solutions can pay for their invoices in one of two ways:


Clients can have the charges for the equipment added to their
merchant statement, paying the fees in accordance with their
internal policies.


This is the most common method for terminal and Virtual Merchant
purchases


Clients can also have separate invoices created for equipment.
Agencies and Public Bodies can contact Elavon directly to have this
done.


For large or more complex purchases (such as a large Safe T Suite
implementation), a separate Purchase Order may be required and
separate invoicing. Please follow Virginia/
eVA

guidelines to have
these Purchase Orders issued. Contact Elavon for assistance with
having specific invoices created.

54

Further Information


Agencies
-

For further information on these or any other
solutions from Elavon, please contact Tina Wilhelm at COV
Treasury.


Public Bodies

(not currently processing with Elavon)
-

For
further information please contact Kevin Grothouse or
Chris Moore.


Public Bodies (currently processing with Elavon)
-

For
further information please contact Chris Moore.

55

56

We Appreciate Your Continued Partnership!