Credit Card Acceptance Procedures & Fraud Awareness

The Value of CREDIT CARD

The money of the future is PLASTIC The CREDIT CARD is as good as CASH

We Value our Merchants:

As our PARTNERS in our Acquiring Business As our first line of defense against credit card fraud

Card Acceptance Procedure

1. 2. 3. 4.

Hold the card Review card security features Obtain authorization Compare cardholders name, card number and signature 5. Return the card to the Cardholder

1. Hold the card

Make sure that the card name matches the gender and facial features of the cardholder

2. Review card security features

Check the front and back of the card

MasterCard
Security Features

MasterCard
Security Features

Visa
Security Features

Sample of Re-embossed Card (Counterfeit Card)

3. Obtain Authorization - for non-chip cards, swipe

the card on the POS terminal. For CHIP cards, insert in the chip reader when available
When you ask for authorization, you will receive one of the five (5) potential responses: Try less Amount transaction should not push through; do not try to lessen amount Call 88100 call the Authorization Center 88100 for proper handling

Potential Responses cont..

Insert card Check if the card has a chip, then insert. If none, the card must be a counterfeit. Call our Authorization Center 88100 for proper handling* Pickup call the Authorization Center 88100 to validate this POS message; pick-up/retain the card by peaceful means* Approved compare the sales slip details versus the physical card, especially the cardholder's name and the last 4 digits

* REWARD WILL BE GIVEN WHEN FRAUDULENT CARDS ARE RECOVERED

REMINDERS
Transactions on a CHIP Compliant Terminal If the card has a CHIP, the default should ALWAYS be INSERT THE CARD. If the POS gives a DECLINE or a DO NOT HONOR message, DO NOT even attempt using the magnetic stripe. Magnetic stripe shall be used ONLY if the POS will give a message of SWIPE THE CARD. If the POS prompts for INSERT THE CARD, the processor should examine if the CHIP is PRESENT. If the card has NO CHIP, the processor should not even attempt INSERTING or DIPPING the card. With this scenario, the processor should be alerted to call 88100 for assistance. At this POINT there is a great possibility that the card is a COUNTERFEIT.

A vital key in detecting Counterfeit Fraud Comparing the Last Four Digits

A vital key in detecting Counterfeit Fraud Comparing the Last Four Digits

Suspicious Patterns
Buys hurriedly or arrives at opening or when the store is closing Shops without regard to size, quality or prize Makes purchases, leaves the store, and then returns to make more purchases Waives testing of appliance/s and delivery services Appears nervous and tries to distract or rush you during the sale

Suspicious Patterns..cont.
Has several companions acting as look-outs Requesting that purchase/s be entered as split transactions Brings out the card directly from pocket Watch out for customers who presents laminated IDs, when required to do so

If you suspect a fraud transaction

Obtain Authorization and Remember Code 10
Code 10 is a universal code that provides merchants with a way to alert the Authorization Center that a suspicious transaction is occurring The Authorizer asks a series of questions that can be answered with YES or NO responses Follow the Authorizers instructions NEVER ENDANGER YOURSELF!!

Other Safety Tips

Do not reveal to any person, especially customers, your security procedures Demand proper identification and authorization before letting anyone service your terminal Should you receive any advise of contact number change of your Acquiring Bank, call Authorization number 88100 for verification

With your vigilance, we could ensure our mutual protection from credit card fraud.

Thank you very much.