My workplace just put in place a check for Photo ID on purchases of $200 or more on credit card. When would you ask for the photo ID?
After you’ve swiped the card (transaction went through) or before it?\
What if the person doesn’t have ID? My supervisor told me to hold onto the card even if the person demands I give it back.
Im scared…I sense some major bitchfights coming my way with customers O_O
When you ask the customer how they wish to pay, if they answer credit, tell them you need photo ID. Frankly, I think this is a good practice and will cut down on credit card fraud. I have my picture on my credit card, which is an option with many cards, and that usually suffices. Others will write "Ask for photo ID" in the signature area of their cards as a protection measure, but that is voluntary on their part.
Also, did you know that asking for photo ID is technically a violation of both Visa and Mastercard’s merchant policies? There is a form here where customers can report it for Mastercard (Visa probably has something similar): http://www.mastercard.com/us/personal/en/contactus/merchantviolations.html
I don’t know about holding the card if the person doesn’t have an ID. Many people are used to just carrying a credit card with them when they shop and aren’t crooks because of that. The store could find themselves liable for damages in instituting that policy. I could understand it if the computer returns a message that the card was lost or stolen, but not if the person doesn’t have their ID with them.
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Here is the number for Visa to report merchant violations:
1- 800-VISA-911
This is a two-edged sword. While asking for ID does, in some instances, cut down on fraud, it is technically a violation of merchant service policies unless the card is unsigned. Providing additional identification along with your credit card number is enough for a dishonest person to steal your identity. Both Visa and Mastercard encourage their customers to report merchants who require additional identification from a customer using a signed card when making a purchase with their cards.
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5 Responses to “When do you check for photo ID on credit card purchases?”
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October 27th, 2009 at 12:30 pm
In the state of confusion (California) virtually everyone asks for photo ID, and pay at the pump gas stations ask you to punch in billing zipcode. You should check ID "before" you swipe the card.
Some women don’t like that because it reveals their age (like anybody is going to care, or spread the word).
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October 27th, 2009 at 1:20 pm
When you ask the customer how they wish to pay, if they answer credit, tell them you need photo ID. Frankly, I think this is a good practice and will cut down on credit card fraud. I have my picture on my credit card, which is an option with many cards, and that usually suffices. Others will write "Ask for photo ID" in the signature area of their cards as a protection measure, but that is voluntary on their part.
Also, did you know that asking for photo ID is technically a violation of both Visa and Mastercard’s merchant policies? There is a form here where customers can report it for Mastercard (Visa probably has something similar): http://www.mastercard.com/us/personal/en/contactus/merchantviolations.html
I don’t know about holding the card if the person doesn’t have an ID. Many people are used to just carrying a credit card with them when they shop and aren’t crooks because of that. The store could find themselves liable for damages in instituting that policy. I could understand it if the computer returns a message that the card was lost or stolen, but not if the person doesn’t have their ID with them.
*********************
Here is the number for Visa to report merchant violations:
1- 800-VISA-911
This is a two-edged sword. While asking for ID does, in some instances, cut down on fraud, it is technically a violation of merchant service policies unless the card is unsigned. Providing additional identification along with your credit card number is enough for a dishonest person to steal your identity. Both Visa and Mastercard encourage their customers to report merchants who require additional identification from a customer using a signed card when making a purchase with their cards.
References :
October 27th, 2009 at 1:35 pm
tell em theyll have to show their id if using a c c
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October 27th, 2009 at 1:53 pm
Then why didn’t your SUPERVISOR tell you when to ask for the ID. They are the ones paid to make the decisions. The same goes for anyone disagreeing with your request it is the supervisors "bitchfight", whatever that means, not yours.
I think it is a fantastic idea.
References :
October 27th, 2009 at 2:15 pm
You need to check with your supervisor on the exact procedure. A lot of companies are now asking for photo IDs because of so many stolen credit cards. Otherwise all you are doing is making sure there is enough available credit, not if the credit card actually belongs to the person using it. When someone steals a credit card they will use it immediately before the owner of the card has a chance to report it. By asking for a photo ID, you will probably prevent many stolen cards from being used. On the reverse side of the credit card where you’re supposed to sign your name, my husband and I write Photo ID Required to prevent anyone who has stolen the card from using it.
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