Credit Card Security Statement
Prepayrefill.com allows you to pay for purchases online by using your MasterCard, Visa, Discover, and American Express credit cards. Because some customers have concerns about providing their credit card numbers over the Internet, we have provided some answers to common questions.
Is it safe to provide my credit card account numbers over the Internet?
We believe that it is safe to provide your credit card account number over the Internet. All transfer of your payment information, including credit card handling, is done through a secure server using the Secure Sockets Layer (SSL) protocol. This allows your browser to encode any data it sends to our server, so that even if someone intercepted your information as it traveled across the Internet they wouldn’t be able to read it.
We have a “server certificate” issued to us by Go Daddy, the SSL certificate authority on the Internet. They are a trusted third party authenticator. This certificate verifies that you are really sending your credit card number to us, and not someone pretending to be us. It is standard SSL procedure to get a certificate.
How do I know if a Website is secure?
When you buy something on the Internet, look for three things:
- All data you transmit is strongly encrypted.
- The site you’re doing business with is the site you think it is.
- The site you’re doing business with processes your credit card information in a safe and responsible manner.
SSL (Secure Sockets Layer), the industry-standard security protocol that the Prepay Refill web site uses to communicate with secure browsers like Google Chrome, Mozilla Firefox, and Internet Explorer, takes care of the first two items. When communicating with a secure server like ours, these browsers encrypt the information you send in a way that is extremely difficult for anyone else to decode. If you are not sure whether your browser supports secure transactions, don’t worry. If it doesn’t, you won’t be able to complete the transaction. You should also look for a visual image that indicates a secure site. Prepay Refill has a lock and green bar in the address bar of your browser verifying our identity and SSL certificate. (see image below) You can read more about specific SSL certificates here.
Once your order is received, we take care to keep your information confidential in the same ways that we as consumers want our information secured.
Is credit card information stored on Prepay Refill’s servers?
Prepay Refill uses a third party service, called authorize.net to store credit card numbers, customer addresses, and credit card expiration dates. In some cases, Prepay Refill may store the last 4 digits of a credit card number in a cached version of the site. Any credit card information that is “saved” on your account, is pulled in real time from the Authorize.net servers, who use the highest level of PCI compliance to ensure your information is always safe and secure. When you delete a credit card from your account on Prepay Refill, the credit card number is really being deleted from the Authorize.net servers.
What measures does Prepay Refill take to verify card ownership?
We are committed to customer security and verifying that every single credit card that comes through our system, is being used by the card owner. When using a credit card on Prepay Refill. website, the cardholder must enter the address that is on file with the card issuing bank. Failure to do so, or even the slightest typos will cause the transaction to be declined. This service is called AVS (address verification service). Here is how the AVS works.
- The credit card data is securely delivered from the Prepay Refill. servers to the bank. The bank first will attempt to put an authorization on the card, effectively putting the funds for the transaction on hold.
- If there are funds available the funds are put on hold, through a credit card authorization.
- If there are no funds available the transaction is declined.
- After the authorization is successful, Prepay Refill will submit the address we have on file to the bank.
- If the address Prepay Refill . submits to your card issuing bank matches what is on file with the bank, the transaction is completed.
- If the address Prepay Refill. submits is not a match with the card issuing bank, the transaction is declined.
There are some instances where the funds may be immediately deducted from your account, but your transaction may be declined. This happens when the following two conditions are met
- The card issuing bank has verified funds are available to withdrawal from your account, and has issued an authorization on your account.
- The card issuing bank has an address on file that does not match the address submitted on the Prepay Refill. website.
When this happens, rest assured that this is not a charge, but only an authorization. With most banks, authorization that are not closed out will fall off of your account overnight. For specific timeframes, please refer to your bank’s policies.