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B. Authorized Credit Card Companies — The city of Ramsey has established the authority to accept three major credit cards: • Visa • Mastercard (CIS Capital) • Discover Card C. Accepted Service/Product Purchases — All city fees, services and products. On -line processing can only accept fixed fee transactions. Variable rate transactions will be accepted via phone -in, or in- person "swipe" at city hall. SAFEGUARDING CREDIT CARD TRANSACTIONS A. Fraud — More and more city customers want to pay for city services with a credit card. In addition, they want the convenience of paying over the phone, or other methods that allow them to avoid traveling to a city facility. Such payment methods have advantages and disadvantages for the city. One major consideration is the prevention of fraud. This includes fraud committed against the city where the city suffers a loss. However, fraud also includes activities where an individual or business suffers a loss and the city contributed in some manner to the fraudulent scheme. Clearly, the city neither wants to be a victim of fraud, nor does it wish to unknowingly aid others with their fraudulent schemes. B. General Strategies — Strategies that the city will implement for the prevention of credit card fraud. a. Whenever possible, the preferred processing methods will be on -line processing or in -house credit card "swiping" by customer. These select credit card processing methods allows the customer to pass their credit card information through a secure, third -party system and the city does not see or retain the card number. Avoid using methods where a credit card number is captured in written form, such as fax transmission and e -mail transmissions. b. If it is necessary to accept methods that require the city to directly obtain a credit card number, the following precautions will be followed: • Only those employees who are authorized to process daily payments through the city's cash register will be authorized to accept and input credit card data. Those authorized will be the building technician, the city clerk, the front desk receptionists, police technicians and fire department secretary. Any staff that handles city cash and or credit cards is bonded and insured through the city's insurance policy with the League of Minnesota Cities Insurance Trust. • Authorized staff members should enter credit card information directly into the third -party application avoiding documentation of credit card data. In the event the application is not available, city staff should shred any paper trail IMMEDIATELY following the completion of the transaction. Each station processing credit cards will be equipped with a shredder. Adopted by City Council this day of May, 2011.