Secure Ordering Process and Payment Options
 

The staff at Physicians' Select understands the importance of offering a secure environment for making purchases online:

We use the utmost precautions to protect our clients' personal information and to store it safely. Sensitive information that is transmitted to us online is encrypted and is transmitted to us securely. Physicians' Select has the latest technology to ensure a secure ordering process. All information provided during the order process is routed behind a secure "firewall". The information is encrypted at your browser and sent via the Hyper Text Transport Protocol to ensure security.

When an individual places an order on the secure pages the website address changes from the normal http://www. protocol to the https://www. signifying that all information provided on the page is protected by the Secure Locket Layer (SSL). All of the major credit card companies i.e. Visa, MasterCard, American Express, and Discover Card now have policies protecting consumers from any risk of fraud when using there credit cards online.

 


Currently, for your convenience, we offer several payment options:


For the Fraud Protection Policy for your particular form of payment click on the appropriate link or icon below:

• Credit cards i.e.

  Visa

  MasterCard

  American Express

  and Discover Card
• Western Union
• Check or Money Order

The following represents the major credit card companies policies concerning the consumers responsibility for fraud related to online purchase:

Owe nothing on fraudulent transactions.

Visa's Zero Liability policy means 100% protection for you. Visa's enhanced policy guarantees maximum protection against fraud. You now have complete liability protection for all of your card transactions that take place on the Visa system. Should someone steal your card number while you're shopping, online or off, you pay nothing for their fraudulent activity. If you notice fraudulent activity on your card, promptly contact your financial institution to report it. It is important to continually monitor your monthly statement to identify any unauthorized transactions.**

Visa's Zero Liability policy took effect April 4, 2000, and is a great improvement on the previous policy. The former policy required that you report fraudulent activity within two business days of discovery. After this two-day period, you could be held responsible for up to $50 of the unauthorized charges. With the new Zero Liability policy, you're no longer required to report fraudulent activity within two days and you're not responsible for any fraudulent transactions made over the Visa network.

The Zero Liability policy covers all Visa credit and debit card transactions processed over the Visa network — online or off. The only transactions not covered under the Zero Liability policy are commercial card, ATM, and non-Visa-branded PIN transactions.

For transactions on other networks, the liability decision is left to the financial institution that issued your card. The Issuer has the option of extending the same protections afforded by Visa's Zero Liability policy.

Get quick provisional credit for fraud losses.

Visa's cardholder protection policy requires all financial institutions issuing Visa products to extend provisional credit for losses from unauthorized card use within five business days of notification of the loss. However, many major financial institutions affiliated with Visa will issue provisional credit even earlier — within 24 to 48 hours after the loss is reported.

Shop safely with Visa.

Visa takes online security very seriously so that you can shop safely on the Internet. With the support of Member banks, Visa has invested millions of dollars in building a secure payment system. Visa works with law enforcement and technology companies to stay one step ahead of criminals.

As a result of these efforts, fraud as a percentage of our total volume has actually declined over time. In the early 1990s, fraud accounted for about 0.15 percent of total Visa transaction volume; today it's a mere 0.06 percent — that's less than 1/13 of one percent.

With Zero Liability, Visa continues to lead the card payment industry in consumer protection. Although card fraud is extremely rare and getting even rarer, Visa's policy eliminates any risk you face shopping online or off.

You're protected with Visa.

Visa has highly sophisticated fraud-screening solutions in place, and works with technology companies every day to enhance them. Field merchants also receive training from Visa on fraud protection.

Visa also mandates cardholder verification codes on the back of cards to help merchants match cards used for purchases with their authorized cardholders. Visa card Issuers should have these codes on all newly issued Visa cards as of 2001. Visa's address verification service also helps merchants screen card-not-present transactions.

Regardless of where you shop, enjoy the comfort of knowing you're protected with Visa. Please visit www.visa.com for further information.

*Covers U.S.-issued cards only. Visa's Zero Liability policy does not apply to commercial card or ATM transactions, or to PIN transactions not processed by Visa. See your Cardholder Agreement for more details.

**Cardholders should always regularly check their monthly statements for transaction accuracy. Financial institutions may impose greater liability on the cardholder if the financial institution reasonably determines that the unauthorized transaction was caused by the gross negligence or fraudulent action of the cardholder — which may include your delay for an unreasonable time in reporting unauthorized transactions.

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Zero Liability


Have peace of mind knowing you won't be responsible for unauthorized purchases.

Receive the benefit of not being liable in the event of the unauthorized use of your U.S.-issued MasterCard. As a MasterCard cardholder, coverage extends to purchases made in a store, over the telephone, or on the Web.

Zero Liability is provided under the following conditions:

• Your account is in good standing.
• You have exercised reasonable care in safeguarding your card.
• You have not reported two or more unauthorized events in the past 12 months

What to do if...
If you suspect unauthorized activity on your account, stop using your card and contact the bank that issued your MasterCard card as soon as possible.

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American Express Online Fraud Protection Guarantee

Use the American Express Card online, and you won't be held responsible for any unauthorized charges.  Period.

No fine print, no deductible —just ironclad protection, so you can shop with confidence anywhere on the Internet.

	Maximum Security -we use secure encryption technology to keep your information confidential. And if someone uses your Card without your consent, you'll never pay any part of the fraudulent charges—not even the first $50.
	Quick Resolution -if any unauthorized charge appears on your statement, simply notify us at the 800 number on the back of your Card, or access your account at americanexpress.com and notify us by e-mail. In most cases, a temporary credit is given immediately.
	24-hour Protection -our Fraud Detection system watches your account for uncharacteristic or unusually high charges. If your identity is not verified, the purchase is stopped. American Express is known for providing exceptional customer service , online and off. We're available 24 hours a day to answer questions or help with your account.

So enjoy secure shopping with your Card—just one click away!

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Discover ®Card is Named Favorite Card for Online Buying! 


In a recent study done by Brittain Associates, Inc., Discover® Card was ranked number one, over all other major credit card issuers, as the favorite card for online buying. Over four million U.S. consumers claimed that their Discover Card is the credit card they reach for most often when purchasing online.

Discover Deskshop ®is a free online shopping tool that offers you maximum security and convenience when you make purchases on the Internet.

Maximum security

1. Generates a Single-Use Card Number when you buy online—your actual Discover® Card Account number will not travel the Internet
2. 100% Fraud Protection—guaranteed buying protection and Internet security

Discover Deskshop Single-Use Card Number

A Single-Use Card Number is a unique Discover ®Card Account number generated each time you make an Internet purchase. You can use a Single-Use Card Number at each online retailer; for one, multiple, and recurring purchases. You are protected during checkout because your actual Discover Card Account number is not revealed online. You may use Single-Use Card Numbers at any online store that accepts Discover Card.

You are Always in Control

With Discover Deskshop ®, you decide whether to use a Single-Use Card Number or your actual Discover Card Account number for online purchases. Each Single-Use Card Number is unique to that online retailer and will not be valid at any other retailer.

A Single-Use Card Number links to your actual Discover Card Account, and is identified as "Secure Number" on both your online and paper statements. Your online statements show the entire 16-digit number, and your paper statements show only the last four digits of the number.

You can choose to close a specific Single-Use Card Number anytime by calling us at

1-800- DISCOVER (1-800-347-2683).

Using Your Actual Discover Card Number

We recommend that you use your actual Discover Card Account number when an online retailer requires you to show your plastic Discover Card to receive your purchase. This may happen with airline or movie tickets. If you are uncertain, we suggest that you contact the retailer directly.


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Physicians' Select has set up an account with Western Union to make payment via this method easy. If you wish to pay via Western Union please mark this payment option on the order form and you will promptly receive an email with instructions on how to pay via Western Union

History of Western Union

Western Union represents one of the most respected money transfer agencies. They are global leader in money transfer and message services, with a history of pioneering service dating back more than 150 years.

Western Union continues today to help consumers and businesses securely transfer money or make payments using money orders and other electronic systems. Consumers can quickly and easily transfer money to more than 117,000 Western Union Agent locations in over 185 countries worldwide - the largest network of its kind. Western Union also markets more than one quarter billion money orders every year.

With about 1,800 employees and $2 billion in revenue, Western Union remains an industry leader with an eye toward providing fast and reliable money and messaging services.

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Physicians' Select also welcomes payment via check or money order.