Onlne Pharmacy Guide for Acquirer - Visa
Online Pharmacy Guide
for Acquirers
June 2016
Visa Inc.
Online Pharmacy Guide for Acquirers
Contents
About this Guide........................................................................................................................................................ iii
1. The Problem of Illegal Online Drug Sellers ..................................................................................................... 1
Beyond Fraud and Intellectual Property to Public Health ............................................................................................. 1
Acquirer Obligations and the Visa Core Rules and Visa Product and Service Rules ............................................ 2
2. Definitions: When is a Merchant an Internet Pharmacy? ............................................................................ 4
Internet Pharmacy ..................................................................................................................................................................... 5
Prescription Drugs, Pharmacy-Only Drugs and Over-the-Counter Drugs .............................................................. 6
Prescription Drugs ¨C¨C More Than Just Controlled Substances .................................................................................... 7
3. Core Principles of Internet Pharmacy Legitimacy ......................................................................................... 9
Rule #1: Prescription Requirement Based on In-Person Examination....................................................................... 9
Rule #2: Pharmacy Licensure .............................................................................................................................................. 10
Rule #3: Drug Importation .................................................................................................................................................. 11
Rule #4: Dual Jurisdictional Compliance ......................................................................................................................... 12
4. Acquirer Requirements and Best Practices .................................................................................................. 13
Visa Inc. Requirement: High Brand-Risk Acquirer License ......................................................................................... 13
Model Policy ............................................................................................................................................................................ 13
Underwriting an Internet Pharmacy .................................................................................................................................. 14
Domain Name / Licensure Disclosure Requirement .................................................................................................... 16
Ongoing Monitoring: What to Look For and Pitfalls ................................................................................................... 17
A Word About Nutraceuticals ............................................................................................................................................ 19
5. Addressing Grey Areas: Salvageable or Not? .............................................................................................. 21
6. Resisting Obfuscation Tactics .......................................................................................................................... 23
Internet Pharmacy Affiliate Marketing Networks .......................................................................................................... 23
Geo-targeting .......................................................................................................................................................................... 23
The Bait and Switch ............................................................................................................................................................... 24
Irrelevant or ¡°International¡± Pharmacy Licenses ............................................................................................................ 25
False Representations About Customer Base ................................................................................................................ 25
Fake FAQs/Prescription Requirement .............................................................................................................................. 26
Red Flags: A Short List .......................................................................................................................................................... 26
7. Frequently Asked Questions ............................................................................................................................ 27
June 2016
? 2016 Visa. All Rights Reserved.
i
Online Pharmacy Guide for Acquirers
Appendices ............................................................................................................................................................... 31
Appendix A: Model Terms and Conditions .................................................................................................................... 32
Appendix B: Legitimate Internet Pharmacy Verification Resources ........................................................................ 35
Appendix C: Where to Verify Pharmacy Licensure Status ......................................................................................... 38
Appendix D: Country Summaries ...................................................................................................................................... 42
ii
? 2016 Visa. All Rights Reserved.
June 2016
Online Pharmacy Guide for Acquirers
About this Guide
This document is a manual for acquirers who have boarded, or are considering boarding, an Internet
pharmacy or Internet pharmacy referral merchant.
Visa Inc. partnered with LegitScript () to create this publication. LegitScript is a
compliance and monitoring firm that focuses on healthcare product merchants, including Internet
pharmacy and dietary supplement (also referred to as nutraceutical) merchants. LegitScript maintains
a master database of Internet pharmacies that is widely used by regulatory authorities, search
engines, domain name registrars, and credit card networks (including Visa Inc.). Visa Inc. works closely
with LegitScript to identify instances of non-compliance with the Visa Core Rules and Visa Product
and Service Rules, and to analyze merchant compliance with applicable laws and regulations.
Visa Inc. encourages acquirers to utilize LegitScript monitoring and analysis to ensure that Internet
pharmacy and nutraceutical merchants are compliant with the Visa Core Rules and Visa Product and
Service Rules with regard to Internet pharmacy-related requirements and applicable laws and
regulations.
The following resources are included in the appendices:
?
Model Internet Pharmacy Policy for Acquirers
?
Legitimate Internet Pharmacy Verification Resources
?
Where to Verify Pharmacy Licensure
?
Country Summaries: Legal Requirements in Major Internet Pharmacy Target Markets
June 2016
? 2016 Visa. All Rights Reserved.
iii
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