Card-Present

Card-Present

Fighting fraud in every transaction

If you are a card-present merchant, take the following steps to ensure the legitimacy of every Visa card, cardholder, and transaction. Under the Visa U.S.A. Inc. Operating Regulations, merchants or their sales associates must check the card security features, request an authorization, and obtain the cardholder’s signature.

Quick steps to Visa Card acceptance

  1. Check the card security features (listed below).

    Make sure that the card has not been altered.
  2. Swipe the stripe.

    Swipe the card through the terminal in one direction only to obtain authorization.
  3. Check the authorization response.

    Take appropriate action for the specific response:

    Response

    Action

    Approved Ask the customer to sign the sales receipt.
    Declined Return the card to customer and ask for another Visa card.
    Call or Call Center Call your voice authorization center and tell the operator that you have a "Call" or "Call Center" response. Follow the operator instructions.

    Note: In most cases, a "Call" or "Call Center" message just means the card Issuer needs some additional information before the transaction can be approved.
    Pick Up Keep the card if you can do so peacefully.
    No Match Swipe the card and re-key the last four digits. If "no match" response appears again, keep the card if you can do so peacefully. Request a Code 10 authorization.

  4. Match the numbers.

    Check the embossed number on the card against the four digits of the account number displayed on the terminal.
  5. Request a signature.

    Have the cardholder sign the transaction receipt.
  6. Check the signature.

    Be sure that the signature on the card matches the one the transaction receipt.

If you suspect fraud, immediately make a Code 10 call to your voice authorization center.

Handling key-entered transactions

If a Visa card cannot be swiped, you must key-enter the card account data into your POS terminal. When you key-enter a transaction, you run the risk of accepting a counterfeit card because the magnetic stripe information is unavailable.

  1. Check the terminal.

    Be sure your terminal is working properly. If the terminal is okay and the problem appears to be with the magnetic stripe, continue to step 2.
  2. Match the account number.

    Check to see that the embossed account number on the front of the card matches the number indent-printed on the back.
  3. Check the expiration date.

    Look at the "good thru" or "valid thru" date to be sure the card hasn't expired. If the card has a "valid from" date, be sure the card isn't being used before it is valid.
  4. Make an imprint.

    Get a manual imprint of the card.
  5. Get a signature.

    Ask the customer to sign the imprinted sales draft.
  6. Check the signature.

    Be sure that the signature on the card matches the one on the sales draft. Do not accept an unsigned card.

If you suspect fraud, immediately make a Code 10 call to your voice authorization center.

Six warning signs of fraud

Certain customer behavior could point to card fraud, but it doesn't necessarily indicate criminal activity. You know your customers, so let your instincts steer you in the right direction.

Watch out for customers who:

  1. Purchase a large amount of merchandise without regard to size, style, color, or price.
  2. Ask no questions on major purchases.
  3. Try to distract or rush you during the sale.
  4. Make purchases and leave the store, but then return to make more purchases.
  5. Make large purchases just after the store's opening, or as the store is closing.
  6. Refuse free delivery for large items.

Visa card features and security elements

 

Dealing with unsigned cards

If the signature panel is left blank...

  1. Request a signature.

    Ask the cardholder to sign the card and provide current government identification, such as a driver's license or passport (if local law permits).
  2. Check the signature.

    Be sure that the cardholder signature on the transaction receipt matches the one on the card and the additional identification.
  3. Complete the transaction.

    If the signatures appear reasonably the same and the authorization request is approved, continue the transaction. If the cardholder refuses to sign the card, do not accept the card.

If the card has a “See ID” in place of a signature…

  1. Request a signature.

    Ask the cardholder to sign the card and provide current government identification, such as a driver's license or passport (if local law permits).
  2. Check the signature.

    Be sure that the signature on the card matches the one on the transaction receipt and the additional identification.

If the signatures appear reasonably the same and the authorization request is approved, go ahead and complete the transaction.

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