<div data-id="654" style="text-align:center; margin-top:px; margin-bottom:px; margin-left:px; margin-right:px;" class="afw afw_group afw_group afwadgroupid-654"></div><p><img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///ywAAAAAAQABAAACAUwAOw==" fifu-lazy="1" fifu-data-sizes="auto" fifu-data-srcset="https://wp.fifu.app/www.quickcart.net/aHR0cHM6Ly9pLmltZ3VyLmNvbS83RXF4TEVJLmpwZw/cdc47ea223c9/not-found.webp?w=75&h=0&c=0 75w, https://wp.fifu.app/www.quickcart.net/aHR0cHM6Ly9pLmltZ3VyLmNvbS83RXF4TEVJLmpwZw/855bc142c24c/not-found.webp?w=100&h=0&c=0 100w, https://wp.fifu.app/www.quickcart.net/aHR0cHM6Ly9pLmltZ3VyLmNvbS83RXF4TEVJLmpwZw/d41836ee63c3/not-found.webp?w=150&h=0&c=0 150w, https://wp.fifu.app/www.quickcart.net/aHR0cHM6Ly9pLmltZ3VyLmNvbS83RXF4TEVJLmpwZw/a9855992b709/not-found.webp?w=240&h=0&c=0 240w, https://wp.fifu.app/www.quickcart.net/aHR0cHM6Ly9pLmltZ3VyLmNvbS83RXF4TEVJLmpwZw/dca051e3356d/not-found.webp?w=320&h=0&c=0 320w, https://wp.fifu.app/www.quickcart.net/aHR0cHM6Ly9pLmltZ3VyLmNvbS83RXF4TEVJLmpwZw/4b89a1a7f027/not-found.webp?w=500&h=0&c=0 500w, https://wp.fifu.app/www.quickcart.net/aHR0cHM6Ly9pLmltZ3VyLmNvbS83RXF4TEVJLmpwZw/fb0651c4c2dc/not-found.webp?w=640&h=0&c=0 640w, https://wp.fifu.app/www.quickcart.net/aHR0cHM6Ly9pLmltZ3VyLmNvbS83RXF4TEVJLmpwZw/8c0691b9ecfe/not-found.webp?w=800&h=0&c=0 800w, https://wp.fifu.app/www.quickcart.net/aHR0cHM6Ly9pLmltZ3VyLmNvbS83RXF4TEVJLmpwZw/37aad4540333/not-found.webp?w=1024&h=0&c=0 1024w, https://wp.fifu.app/www.quickcart.net/aHR0cHM6Ly9pLmltZ3VyLmNvbS83RXF4TEVJLmpwZw/2dab06a7b64c/not-found.webp?w=1280&h=0&c=0 1280w, https://wp.fifu.app/www.quickcart.net/aHR0cHM6Ly9pLmltZ3VyLmNvbS83RXF4TEVJLmpwZw/b97e70ce365b/not-found.webp?w=1600&h=0&c=0 1600w" align="left" alt="pci compliance" fifu-data-src="https://wp.fifu.app/www.quickcart.net/aHR0cHM6Ly9pLmltZ3VyLmNvbS83RXF4TEVJLmpwZw/c7efc9457dd8/not-found.webp" style="width:auto; margin:0px 10px; height:auto; max-width:33% max-height:292px;"> </p>
<h1>How to Manage Cardholder Accounts</h1>
<p>One of the most common questions I get asked by new PCI compliance professionals is how to manage cardholder accounts. It&#8217;s a simple process and they go through the same steps as a lot of people so I&#8217;m going to share with you the most effective way to do it.</p><div data-id="639" style="text-align:center; margin-top:px; margin-bottom:px; margin-left:px; margin-right:px;" class="afw afw_group afw_group afwadgroupid-639"></div>

<p>You can actually have any number of cardholder accounts from one to thousands depending on your business, so it can become complicated quickly. The way I handle it though is pretty simple.</p><div data-id="639" style="text-align:center; margin-top:px; margin-bottom:px; margin-left:px; margin-right:px;" class="afw afw_group afw_group afwadgroupid-639"></div>

<p>I always have a customer&#8217;s account on file when I open an account for them. That way I can go to my customer&#8217;s account and open up an account with their account without having to leave their account to sign up. As a bonus, it is also easier to ask for payment if you don&#8217;t have to give out all the details every time you need to pay a bill.</p><div data-id="639" style="text-align:center; margin-top:px; margin-bottom:px; margin-left:px; margin-right:px;" class="afw afw_group afw_group afwadgroupid-639"></div>

<p>Now I always need to look for accounts that have been closed. I will either transfer their cards to other accounts or destroy the cards. I usually choose to destroy the cards so they don&#8217;t carry any more liability in case anything were to happen.</p><div data-id="639" style="text-align:center; margin-top:px; margin-bottom:px; margin-left:px; margin-right:px;" class="afw afw_group afw_group afwadgroupid-639"></div>

<p>When I want to handle cardholder accounts with a client, I&#8217;ll either send them an e-mail or a phone call to set up an appointment. We usually meet at a local Starbucks, because this meeting will be the most formal. You are required to send the card to a special deposit box or else you&#8217;ll lose all the cardholder account info.</p><div data-id="639" style="text-align:center; margin-top:px; margin-bottom:px; margin-left:px; margin-right:px;" class="afw afw_group afw_group afwadgroupid-639"></div>

<p>You may have seen this type of system before, but if you haven&#8217;t, it&#8217;s basically a middleman. The middleman will do all the cardholder signing for you, managing your accounts, and routing your payments to your bank. In exchange, the middleman charges you a fee for their services. If you choose to use this method for the first time, you will want to get a feel for what to expect.</p><div data-id="639" style="text-align:center; margin-top:px; margin-bottom:px; margin-left:px; margin-right:px;" class="afw afw_group afw_group afwadgroupid-639"></div>

<p>Depending on your middleman, you may have to pay processing fees, or maybe even credit card processing fees. This will add to your expenses, but if you&#8217;re willing to accept those fees, you&#8217;ll be happy you made the switch.</p><div data-id="639" style="text-align:center; margin-top:px; margin-bottom:px; margin-left:px; margin-right:px;" class="afw afw_group afw_group afwadgroupid-639"></div>

<p>Before you go shopping for a middleman, make sure they have plenty of experience and are approved by your bank. You&#8217;ll also want to see whether they offer any discounts. They should also be able to run your information to your bank.</p><div data-id="639" style="text-align:center; margin-top:px; margin-bottom:px; margin-left:px; margin-right:px;" class="afw afw_group afw_group afwadgroupid-639"></div>

<p>You will have to pay your broker or escrow agent if you decide to go this route, so make sure they are licensed and that they have an area code on file. Once they&#8217;ve taken care of everything, they will run everything through your bank and send your money. Just as important, they will track the return and account details to your bank.</p><div data-id="639" style="text-align:center; margin-top:px; margin-bottom:px; margin-left:px; margin-right:px;" class="afw afw_group afw_group afwadgroupid-639"></div>

<p>It&#8217;s important to take the right process to ensure that the cards are not missing payments or deposits and you don&#8217;t end up charged back or something worse. Make sure that you don&#8217;t use this type of middleman. They&#8217;re difficult to use and you may end up wasting your time.</p><div data-id="639" style="text-align:center; margin-top:px; margin-bottom:px; margin-left:px; margin-right:px;" class="afw afw_group afw_group afwadgroupid-639"></div>

<p>If you&#8217;re serious about PCI compliance, make sure you are taking the right steps to make sure you are protected. Start by following this process and see how well it works for you.</p><div data-id="639" style="text-align:center; margin-top:px; margin-bottom:px; margin-left:px; margin-right:px;" class="afw afw_group afw_group afwadgroupid-639"></div>

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