Foreign Card Usage

Overview

• Pulsecode enables merchants to accept international Visa, Mastercard, and AMEX cards through vetted acquiring partners.
• Foreign card transactions may be subject to additional verification, currency conversion, and compliance checks.
• The guidelines below outline how to prepare your business and customers for smooth cross-border card usage.

Merchant Acceptance Requirements

Before enabling foreign card acceptance, ensure your operational processes meet the following standards:

• Provide accurate business information, product descriptions, and refund policies during onboarding.
• Enable 3-D Secure 2 authentication for all foreign card transactions to reduce fraud and improve approval rates.
• Clearly display prices in Malaysian Ringgit (MYR) and communicate any currency conversion that may occur on the customer’s issuing bank statement.

Risk Management & Chargebacks

• Risk engines analyse device, location, and spending patterns to flag high-risk transactions in real time.
• Manual review queues are available for transactions that require human verification before capture.
• Chargeback alerts and evidence templates help you respond quickly to disputes initiated by overseas cardholders.

Operational Best Practices

• Collect supporting details (customer contact, order information, delivery address) for every foreign card order.
• Respond to chargeback requests within the specified timeframe, typically seven (7) calendar days.
• Offer clear shipping timelines, customer support availability, and refund instructions to build trust with international buyers.

Guidance for International Customers

• International customers should ensure their card is enabled for overseas transactions and online purchases.
• Foreign card orders may appear in the issuing bank’s currency after conversion from MYR.
• Customers can contact their bank or Pulsecode support if a transaction is declined or appears unfamiliar.