State Laws on Receipt Truncation

In addition to federal law and various state laws which require merchants to truncate the cardholder copy of receipts, three (3) states now require merchants to truncate both the cardholder and merchant copies of receipts.  Now six states (see updated entry

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

Under the current legislation in Colorado, Tennessee and California, 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 using * or X.

(Example:  XX/XX   OR    **/**)

Merchants in these states should check their receipts to comply with applicable laws and regulations regarding truncation. 

If you are a Vantage merchant, you have already been contact and updates are in progress.   Additional states have legislation in progress which may require merchants to truncate both cardholder and merchant receipts.  As these are announced we will pass this information along.

Contact Vantage if you need support in meeting Full Receipt Truncation.  In most cases we can work with you to provide updated software for your existing terminal or payment application. 


by Ty Hardison

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