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No Id For CCs

When paying with a credit card, merchants are only allowed to check the signature on the card against the one provided and verify the card number electronically or via phone. They are not permitted to request additional identification like a driver's license, Social Security number, or photo ID. If a merchant does ask for extra ID, customers can report them to the credit card company by mail, phone, or online to ensure the merchant follows proper procedures in the future.

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245 views2 pages

No Id For CCs

When paying with a credit card, merchants are only allowed to check the signature on the card against the one provided and verify the card number electronically or via phone. They are not permitted to request additional identification like a driver's license, Social Security number, or photo ID. If a merchant does ask for extra ID, customers can report them to the credit card company by mail, phone, or online to ensure the merchant follows proper procedures in the future.

Uploaded by

Shannon
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as RTF, PDF, TXT or read online on Scribd
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CREDIT CARD SIGNATURE IS ALL THE ID NEEDED

When you pay for merchandise with a Visa card, MasterCard, or American Express any store that accepts
these cards should accept yours too, no questions asked. It's part of the deal that merchants agree to
when they become participating members.

They must check your signature and the card - electronically or by telephone - to be sure it's valid. Once
the answer comes up yes, they can go ahead and charge. They can't ask you for any further identification
- not a license plate number, Social Security number, proof of address, phone number or picture ID.

Your personal ID isn't needed because Visa, MasterCard, and American Express all guarantee payment
on cards that have been properly checked. If the issuer mistakenly authorizes a sale on a bad card, it
should make good. MasterCard says that merchants receive instant settlement.

Unfortunately, not all merchants play by the rules. Some, apparently, haven't read them.

WHAT YOU CAN DO

MasterCard wants to hear about merchants who break their rules. Send the name and address and an
account of what happened to MasterCard International, c/o Radio City Station, P. O. Box 1288, New York,
NY 10101. The merchant's bank will get a stiff letter, ordering it to investigate and bring the offending
store into line - or pay a $2,000 fine.

Visa enforces the same rules as MasterCard. "When we hear about a violation, we ask the bank that
signed the merchant to get together with the merchant and see that the practice is stopped," Visa
representative states. To report a merchant, send a letter to the bank that issued your Visa card.

American Express also prohibits merchants from asking for IDs. "All a merchant is supposed to do is take
an imprint, make sure the signature matches and swipe the card through the terminal, to get
authorization."

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Immediately call 1-800-VISA-911. Make sure that horribly-behaving IHOP shapes-up and never asks for
ID again.

Never show ID for signed credit cards purchases.

No ID required for signed credit card purchases. Merchants cannot require ID.

If a merchant tries to require ID, immediately call 1-800-VISA-911 to ensure they never do again.

VISA: 1-800-VISA-911
MasterCard: 1-800-300-3069

Also easily report merchant violations online at:

http://www.mastercard.com/us/personal/en/c...violations.html

Check the box that says "Merchant required ID"

Never show ID for signed credit card purchases.


No ID required for signed credit card purchases.

Make sure your community is 100% violation-free.

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