Do Not Accept The Card if...

• Signature on the receipt does not match the signature on the back of the card.
• Hologram does not appear on the card, or if it appears fake. Look for the hologram on MasterCard® (world globes), VISA® (flying doves), and JCB® (logo).
• Card is unsigned. Ask for identification and have the customer sign the card in your presence. If the customer refuses, do not accept the card.
• Transaction is occurring either prior to the valid date or after the expiration date on the card. Ask or another form of payment.
• Raised Account number on the face of the card and the number displayed on the terminal do not match, even if an authorization is received.

Ask For Identification, Such as a Driver's License, if...

• Card shows signs of tampering (e.g., signature panel shows evidence of erasure; the account number or name on the front of the card looks uneven or misaligned).
• Customer is acting nervous or seems to be buying without regard for price, size, color, etc.
• Customer is making multiple purchases of high-value items such as TVs VCRs, jewelry, etc., and needs to take everything, including large item immediately.

And Never Forget To…

• Follow proper authorization procedures. If you need authorization assistance, or if you received a call referral, call the authorization Center.
• Read the account number encoded in the magnetic stripe by swiping the card through the terminal. If the terminal cannot read the magnetic stripe, then you must manually key the account number and take an imprint of the card with an imprinter and obtain a signature.
• Ask for another form of payment if a decline is received. Do not try to obtain authorization from other authorization sources or make multiple transactions below the floor limit to avoid authorization.
• Always issue a credit to the credit card account for the original sale.

The following are the top 5 reasons for which we receive chargeback, and how you may be able to dispute them if appropriate. All supporting documentation must be provided within twelve (12) days.

1. Card member or card issuer requests a copy of the sales record.

To Dispute:

• Within twelve (12) days of the date you receive the request, fax or mail a copy of the sales record to the return address on the notification.

2. Non–receipt of merchandise—card member is claiming they did not receive the merchandise or merchandise was paid for by other means or cardholder did not authorize the transaction (primarily for mail/telephone/Internet orders or recurring transactions such as repetitive billing or pre–authorized health card transactions).

To Dispute:

• Provide a copy of sales record, invoice, or order form.
• If a customer has paid for merchandise by another method, do not process the transaction
• Provide a signed delivery receipt (UPS, FedEx, etc.) showing name and address the merchandise was delivered to.
• Provide a signed form and/or invoice acknowledging card member's participation in a recurring transaction.
• If possible, contact the card member directly to resolve the inquiry/dispute.

3. Non–matching account number (transaction was processed on an account not found on an issuer's masterfile).

To Dispute:

• Provide a copy of sales record
• If you use a third party for authorization, immediately request their authorization logs and submit to Client Services.
• If possible, contact the card member to verify the account number or request another form of payment. If an incorrect number was used, authorize and redeposit the transaction using the correct number.

4. Transaction was processed more than once to the same card member

To Dispute:

• Provide two different sales records, invoices, or order forms (both signed and imprinted). **

5. Credit not processed–the card member is claiming that a credit voucher or refund
acknowledgement issued by you was not processed.

To Dispute:

• Provide a copy of the credit record, date credit record, date credit was processed, and the deposit total that included the credit. **