Card Present Transactions
Please decline or ask your customer to pay by other means if the following occurs:
- If the EFTPOS terminal declines the card (for any reason).
- Where the card has expired.
- Where it is visible or there are concerns that the card has been altered or tampered with. Where the card is damaged and will not swipe or dip.
- Where the card does not belong to the cardholder.
- Where there are inconsistencies with the security features on the card.
- If the customer is asking you to process a sale amount across multiple cards or multiple sale amounts on the one card If the customer has already purchased the goods and then asks for a refund to be processed to a different credit card or account.
- If there are any reasons to suspect the card is not genuine, or the use of the card is fraudulent.
There is increased risk when processing Card-Not-Present transactions. This is because you are unable to verify that the person using the card is the actual cardholder.
The following may indicate when a fraudulent card is being used:
- Sales are ordered via email, and the customer is reluctant to make direct contact.
If the customer is asking you to process a sale amount across multiple cards or multiple sale amounts on the one card.
If the customer has already purchased the goods/services and then asks for a refund to be processed to a different credit card or account.
When accepting a Card-Not-Present transaction
- Obtain as much information as possible: the credit card number, name of bank, full name, address, expiry date, CVV2/CVC2 and contact telephone number (including landline).
- If processing the transaction via a terminal ensure you enter the card details correctly as per the operating guides for MOTO transactions.
- Use some form of additional validations, such as the electronic white pages to cross check details provided.
- Take the time to properly investigate overseas orders from customers with whom you have never done business with.