NPPSI Learning Center
- Card TRuncation
North Pacific Payment Services Inc.
10170 SW Nimbus Ave #H2
Portland, OR. 97223
1-800-545-5612
(503) 639-5577
Fax (503) 684-7073
What is Credit Card Truncation?
Credit Card Truncation is the ability of a Credit Card Machine to remove all but the last 4 or 5 digits of a Credit Card number and the expiration date from the sales receipt.
Here is an example of a truncated and an un truncated receipt.
Truncated Receipt Un Truncated Receipt
Acct# - 1234 5678 9000 0000 Acct# - **** **** **** 1234
Exp 00/00 Exp ****
If the receipt resembles the example on the bottom, or the expiration date is printed on the receipt, then the receipt is not being truncated.
By current Visa and MasterCard regulations it is only required for the customers copy of the receipt to be truncated. This means that if you are using a terminal or software program that only truncated the customers receipt, this is still ok
"Is your terminal printing compliant receipts?
Look at some of the fines for not being compliant:
1st Violation - $5,000
2nd Violation -$10,000
3rd Violation - $25,000
4th Violation - $50,000
Willful or Egregious Violation - $500,000/month"
Ouch!
