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Training is the Key to Fraud Prevention When the Card is Present!

  • Regularly train new employees on how to detect potentially fraudulent transactions.

  • Check cards presented for signs of alteration or counterfeiting

  • Compare the last four numbers embossed on the card to the last four printed on the receipt

  • Make sure the signature on the sales receipt matches the one on the back of the card

Quick steps to card acceptance:

  1. Check the card security features. Make sure the card has not been altered.

  2. Swipe the stripe. Swipe the card through the terminal in one direction only to obtain


  3. Check the authorization response. Take appropriate action for the specific response.

  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 on the transaction receipt.

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


Handling keyed transactions

If a credit card cannot be swiped, you must key in the card data into your terminal. When you key in a transaction, you run the risk of accepting a counterfeit card because the magnetic stripe information in unavailable.


Follow the following steps:

  1. Check the terminal. Be sure your terminal is in good working order. 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 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.




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