There are federal laws, various state laws and association rules which require merchants to truncate the cardholder copy of receipts. Six (6) states now require merchants to truncate both the cardholder and merchant copies of receipts.
It is the merchant's responsibility to comply with applicable laws and regulations regarding truncation. Please check your POS and terminal receipts to insure you are in compliance.
Six (6) states have passed legislation that requires merchants to truncate both cardholder and merchant receipts. States Requiring Full (Cardholder and Merchant) Receipt Truncation:
- Colorado - as of 01/01/2006
- Tennessee - as of 01/01/2007
- California - as of 01/01/2009
- Alaska - as of 07/01/2009
- Nevada - as of 07/01/2009
- Washington State - as of 07/26/2009
Additional states have legislation in progress which may be enacted in the near future which may require merchants to truncate both cardholder and merchant receipts. Under the current legislation in Colorado , Tennessee , California , Alaska , Nevada and Washington State , a merchant is required to truncate both the cardholder and merchant copy of the receipt by masking the card number and the expiration date as follows:
- Card number truncation is defined as masking all but the last 4 digits of the card number by using * or X. (Example: XXXXXXXXXXXX1234 OR ************1234)
- Expiration date truncation is defined as masking the expiration date by using * or X. (Example: XX/XX OR **/**)
Although it is the merchant's responsibility to comply with all applicable laws and regulations regarding truncation, if a merchant in Colorado, Tennessee California, Alaska, Nevada or Washington state (or any future state which may pass similar legislation) is using a payment application that is not compliant, Vantage will assist the merchant in upgrading to new software and/or hardware as necessary. Contact us at 800-397-2380.