Comments on: 5 Common Mistakes A Merchant Will Make to Your Credit Card http://www.mycardblog.com/2008/08/5-common-mistakes-a-merchant-will-make-to-your-credit-card/ Bring you the best in personal finance Thu, 11 Mar 2010 22:30:41 -0700 http://wordpress.org/?v=2.9.2 hourly 1 By: David http://www.mycardblog.com/2008/08/5-common-mistakes-a-merchant-will-make-to-your-credit-card/comment-page-1/#comment-8777 David Fri, 29 Aug 2008 08:08:19 +0000 http://www.mycardblog.com/?p=969#comment-8777 The procedure outlined above states to swipe the card and obtain a signature and then verify the signature on the card against the signature on the receipt.---Yes, this is right. But if you have your signature on your card, they can not request to see you ID. Thank you for your effort. It's really helpful! The procedure outlined above states to swipe the card and obtain a signature and then verify the signature on the card against the signature on the receipt.—Yes, this is right. But if you have your signature on your card, they can not request to see you ID. Thank you for your effort. It’s really helpful!

]]> By: thelowpriceleader http://www.mycardblog.com/2008/08/5-common-mistakes-a-merchant-will-make-to-your-credit-card/comment-page-1/#comment-8776 thelowpriceleader Fri, 29 Aug 2008 08:02:27 +0000 http://www.mycardblog.com/?p=969#comment-8776 The procedure to process a Visa transaction is shown here: http://usa.visa.com/merchants/risk_management/card_present.html The procedure outlined above states to swipe the card and obtain a signature and then verify the signature on the card against the signature on the receipt. Also from Visa's website, Visa's rules below on Print Page 29 or PDF page 34 of this document: http://usa.visa.com/download/merchants/card_acceptance_guide.pdf state that merchants may not make identification a condition of sale. MasterCard rules are similar. Below is in regards to the MasterCard "Chargeback Guide" located at: http://www.mastercard.com/us/wce/PDF/TB_CB_Manual_5_08.pdf Please read pages 76-78 of the "Chargeback Guide" which explain acceptance procedures and discuss when to call for authorization. Note that nowhere in the acceptance procedures does it say to ask for ID, and nowhere in the reasons to call for authorization does it say to do so when a cardholder refuses to provide ID. Item 7 on page 77 discusses "unique transactions" and says that the merchant is to request identification for those transactions (excluding truck stop transactions). If you go to pages 97-99, it shows what type of transactions qualify as "unique transactions." The transactions I have had to show ID for at your establishment do not fall into the "unique transactions" listed on pages 97-99. Now moving to page 131 is the "honor all cards" rule which states that a merchant cannot have a policy in place that discriminates against customers who pay with a Card. By requiring customers who are paying with a Card to show ID, you are discriminating against a customer who pays with a Card by requiring them to present identification which you do not have non-Card customers do. Also on page 131 is the "cardholder identification" rule which states that a merchant may not refuse to complete a transaction solely because a cardholder has refused to provide additional identification. Also on MasterCard's website is a "Contact Us" page that records reports of merchants who are not following their terms which can be found here: http://www.mastercard.com/us/personal/en/contactus/merchantviolations.html The procedure to process a Visa transaction is shown here:
http://usa.visa.com/merchants/risk_management/card_present.html

The procedure outlined above states to swipe the card and obtain a signature and then verify the signature on the card against the signature on the receipt.

Also from Visa’s website, Visa’s rules below on Print Page 29 or PDF page 34 of this document: http://usa.visa.com/download/merchants/card_acceptance_guide.pdf state that merchants may not make identification a condition of sale.

MasterCard rules are similar.

Below is in regards to the MasterCard “Chargeback Guide” located at: http://www.mastercard.com/us/wce/PDF/TB_CB_Manual_5_08.pdf

Please read pages 76-78 of the “Chargeback Guide” which explain acceptance procedures and discuss when to call for authorization. Note that nowhere in the acceptance procedures does it say to ask for ID, and nowhere in the reasons to call for authorization does it say to do so when a cardholder refuses to provide ID.

Item 7 on page 77 discusses “unique transactions” and says that the merchant is to request identification for those transactions (excluding truck stop transactions). If you go to pages 97-99, it shows what type of transactions qualify as “unique transactions.” The transactions I have had to show ID for at your establishment do not fall into the “unique transactions” listed on pages 97-99.

Now moving to page 131 is the “honor all cards” rule which states that a merchant cannot have a policy in place that discriminates against customers who pay with a Card. By requiring customers who are paying with a Card to show ID, you are discriminating against a customer who pays with a Card by requiring them to present identification which you do not have non-Card customers do.

Also on page 131 is the “cardholder identification” rule which states that a merchant may not refuse to complete a transaction solely because a cardholder has refused to provide additional identification.

Also on MasterCard’s website is a “Contact Us” page that records reports of merchants who are not following their terms which can be found here: http://www.mastercard.com/us/personal/en/contactus/merchantviolations.html

]]> By: David http://www.mycardblog.com/2008/08/5-common-mistakes-a-merchant-will-make-to-your-credit-card/comment-page-1/#comment-8754 David Mon, 25 Aug 2008 22:37:23 +0000 http://www.mycardblog.com/?p=969#comment-8754 Hi Sara, I am pretty sure that many merchants are not aware of the visa/mastercard policies. The visa policy can be down loaded from http://usa.visa.com/download/merchants/rules_for_visa_merchants.pdf You can always call visa or mastercard hotline to complain about the rude merchants. Hi Sara, I am pretty sure that many merchants are not aware of the visa/mastercard policies. The visa policy can be down loaded from http://usa.visa.com/download/merchants/rules_for_visa_merchants.pdf
You can always call visa or mastercard hotline to complain about the rude merchants.

]]> By: sara http://www.mycardblog.com/2008/08/5-common-mistakes-a-merchant-will-make-to-your-credit-card/comment-page-1/#comment-8753 sara Mon, 25 Aug 2008 21:26:39 +0000 http://www.mycardblog.com/?p=969#comment-8753 Okay, so I found the merchants agreements on Visa's website under the PDF file, Card Acceptance and Chargeback Management Guidelines for Visa Merchants. But you can neither copy or print the PDF file. I ask you, when faced with an angry merchant who doesn't want to be charged with fraudulent purchases, what is one to do when you can show them no immediate proof that this is what Visa policy is? I have been charged a minimum countless times, forced to show ID just this afternoon. I told the merchant what the Visa's policy was, they were quite firm on their stance. Show the ID or leave. What is a consumer to do? I called the hotline and made a complaint, but I had to show the ID anyway. How can I get a copy of this document to show the merchants who demand I violate my own rights? Okay, so I found the merchants agreements on Visa’s website under the PDF file,
Card Acceptance and Chargeback Management Guidelines for Visa Merchants. But you can neither copy or print the PDF file. I ask you, when faced with an angry merchant who doesn’t want to be charged with fraudulent purchases, what is one to do when you can show them no immediate proof that this is what Visa policy is? I have been charged a minimum countless times, forced to show ID just this afternoon. I told the merchant what the Visa’s policy was, they were quite firm on their stance. Show the ID or leave. What is a consumer to do? I called the hotline and made a complaint, but I had to show the ID anyway. How can I get a copy of this document to show the merchants who demand I violate my own rights?

]]> By: sara http://www.mycardblog.com/2008/08/5-common-mistakes-a-merchant-will-make-to-your-credit-card/comment-page-1/#comment-8752 sara Mon, 25 Aug 2008 20:53:12 +0000 http://www.mycardblog.com/?p=969#comment-8752 I would like to be able to print out these sections of the merchant agreements to show violating merchants. Can you please provide an internet link to your source? I would like to be able to print out these sections of the merchant agreements to show violating merchants. Can you please provide an internet link to your source?

]]> By: Two links · http://www.mycardblog.com/2008/08/5-common-mistakes-a-merchant-will-make-to-your-credit-card/comment-page-1/#comment-8733 Two links · Thu, 21 Aug 2008 22:11:09 +0000 http://www.mycardblog.com/?p=969#comment-8733 [...] & Notebooks News » News News 5 Common Mistakes A Merchant Will Make to Your Credit Card2008-08-21 17:10:58Done at your tank at pumps. Billions of transactions are done through credit card [...] [...] & Notebooks News » News News 5 Common Mistakes A Merchant Will Make to Your Credit Card2008-08-21 17:10:58Done at your tank at pumps. Billions of transactions are done through credit card [...]

]]>