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Instead, request a new form of payment from the cardholder. If you receive a "Call" message in response to an authorization request, do not accept the transaction until you have called your authorization center (be prepared to answer questions and/or allow the operator to speak with the cardholder).
If the card is unsigned, request a photo ID that has a signature and have the cardholder sign the card in front of you. Always compare the cardholder's signature on the sales receipt with the signature on the card.
Make sure all of the transaction information appears on the imprinted copy, including the embossed account number and expiration date, amount, business name and location, and cardholder signature.
A confused customer is likely to initiate a dispute that could result in the reversal of a transaction.
For example, if customers think they were shopping at "Jacqui's Dress Shop" but the DBA name on their statement is "Cool Stuff, LLC," they may contest the charge.
This gives you the opportunity to correct any misunderstandings quickly and efficiently.
Failing to provide adequate documentation for copy requests could result in a chargeback, so make sure your business is structured to be able to provide this paperwork quickly and easily.
Merchant Services are provided by PNC Merchant Services Company and are subject to credit approval. PNC Merchant Services is a registered trademark of The PNC Financial Services Group, Inc.
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