WECT TV, Wilmington, NC

[Uncle Leo]

No one has really researched it though. It's not on their radar screen. You've got to think that some people think as many of us on this website do, and even a small percentage is significant to a company's bottom line. And it's a relatively simple thing to follow the rules as most businesses do. Somebody really ought to do market research on it.

The fact that it's not on anybody's radar is probably a pretty good indicator in itself that it's not a huge issue.

 

I have no doubt that there are others outside CB that think this is important also, though I do think that some here at CB are kidding themselves if they think a relatively smallish group of like-minded people in one place at the same time (read: CB policy forum) are somehow representative of the larger overall population.

[Grizzly Bear]

It doesn't have to be a large percentage of customers to have an effect on a company's bottom line. Also, most disgruntled customers don't cause a stink. They just take their business (and their dollars) elsewhere and no one ever knows why.

[improper_validation]

Honestly, how would you feel if someone stole your credit card and went on a shopping spree much like our producer's?

 

I would not care, as all of my cards are $0 fraud liability(some cards are still $50).

 

--

 

From the article:

 

While he was checking out, the clerk asked Peter for ID to verify his proof of age.

 

Why? last time I checked V/MC will issue to anyone over 13.

Edited May 26, 2009 by wcnghj

[GEORGE]

Honestly, how would you feel if someone stole your credit card and went on a shopping spree much like our producer's?

 

I would not care, as all of my cards are $0 fraud liability(some cards are still $50).

 

--

 

From the article:

 

While he was checking out, the clerk asked Peter for ID to verify his proof of age.

 

Why? last time I checked V/MC will issue to anyone over 13.

As far as I know only some DEBIT CARDS are $50

 

No credit cards are $50 (that was from years ago)

Edited May 26, 2009 by GEORGE

[gj83]

From the article:

 

While he was checking out, the clerk asked Peter for ID to verify his proof of age.

 

Why? last time I checked V/MC will issue to anyone over 13.

The age verification was due to the video game requiring the purchaser to be a certain age.

[GEORGE]

From the article:

 

While he was checking out, the clerk asked Peter for ID to verify his proof of age.

 

Why? last time I checked V/MC will issue to anyone over 13.

The age verification was due to the video game requiring the purchaser to be a certain age.

HOW DOES ONE PROVE THEY ARE 13

 

 

For that matter how does one PROVE how old they are before they get a DRIVER'S LICENSE

Edited May 26, 2009 by GEORGE

[Continental]

I totally and completely disagree on the principal of it. What makes anyone so special that they can blatantly violate policy?!?!? It's people who don't care who let this become more and more of a problem. I have no problem at all going to management about it. I DO NOT think it's ok to let someone violate policy. I teach my children that if something is not right, you SHOULD question it. If everyone just went along with what someone else told them or did, this would be a pretty crazy place to live. You should stand up for your rights.

[centex]

oh yay...more cut and paste without meaningful comment from continental. At least this time it was not a bump multiple months after the fact...

[GEORGE]

Not gonna' get an ID from the DMV so I can buy a PG13 movie

[Continental]

Thankfully, Tom Mahoney set her straight…

 

I think you need to do a bit of homework.

 

According to the terms of their contract with their processor, merchants are generally not permitted to ask for an ID. To quote from "Visa Rules For Merchants," -- "merchants cannot make an ID a condition of acceptance ... Visa believes merchants should not ask for ID as part of their regular card acceptance procedures."

 

The only exception to this is if the card is not signed - including cards that say "See ID" in lieu of a signature. In that case, the merchant must request an ID and insist the card be signed before accepting it. A card without a signature is not valid. No exceptions.

 

Tom Mahoney, Director

Merchant911.org

Uniting merchants against fraud since 2001

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 photo 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. The contract MasterCard merchants sign specifically prevents them from asking for personal ID.

 

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 WorldWide 2000 Purchase St. Purchase, NY 10577 or call 1-800-300-3069. 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. You may also report violations online:

 

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

 

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 that issued your Visa card or call 1-800-VISA-911.

 

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."

Simply call 1-800-VISA-911, press zero twice, and ask to file an "incident report" regarding a merchant violation/merchant who required ID. Crooked merchants shape-up quickly to avoid suspension. Make sure your community is 100% violation-free.

[centex]

It is NOT a violation to ask for ID. The merchant agreements only speak to conditioning a sale upon presentation of ID. As much as you keep talking to yourself, it would seem that such a nuance might FINALLY have sunk in...

[Continental]

..Visa believes merchants SHOULD NOT ASK for ID as part of their regular card acceptance procedures. So if you are ever asked for ID, immediately call 1-800-VISA-911 to ensure the practice is stopped at once.

 

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 photo 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. The contract MasterCard merchants sign specifically prevents them from asking for personal ID.

 

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 WorldWide 2000 Purchase St. Purchase, NY 10577 or call 1-800-300-3069. 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. You may also report violations online:

 

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

 

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 that issued your Visa card or call 1-800-VISA-911.

 

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."

[Continental]

..Visa believes merchants SHOULD NOT ASK for ID as part of their regular card acceptance procedures. So if you are ever asked for ID, immediately call 1-800-VISA-911 to ensure the practice is stopped at once.

 

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 photo 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. The contract MasterCard merchants sign specifically prevents them from asking for personal ID.

 

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 WorldWide 2000 Purchase St. Purchase, NY 10577 or call 1-800-300-3069. 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. You may also report violations online:

 

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

 

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 that issued your Visa card or call 1-800-VISA-911.

 

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."

[centex]

You really ought to go re-read your precious manual...specifically Chapter 5, page 7, which encompasses a section encaptioned Additional Cardholder Information (Section 5-6-3).

 

But to save you the time (and maybe give yourself new material to continuously bump posts with):

5.6.3 Additional Cardholder Identification

A Merchant must not refuse to complete a Transaction solely because a

Cardholder who has complied with the conditions for presentment of a Card at

the POI refuses to provide additional identification information, except as

specifically permitted or required by the Standards. A Merchant may require

additional identification from the Cardholder if the information is required to

complete the Transaction, such as for shipping purposes. A Merchant in a

country or region that supports use of the MasterCard Address Verification

Service (AVS) may require the Cardholder’s ZIP or postal code to complete a

Cardholder-Activated Terminal (CAT) Transaction, or the Cardholder’s address

and ZIP or postal code to complete a mail order, phone order, or e-commerce

Transaction.

 

NOTHING in that section says that a merchant cannot make a request for ID. It simply outlines that the sale may not be refused absent the showing of ID.

[thelowpriceleader]

Against MasterCard Terms to ask if a signed card is presented. Call their customer service center. 1-636-722-6100.

[centex]

Against MasterCard Terms to ask if a signed card is presented. Call their customer service center. 1-636-722-6100.

 

So their customer service center trumps the manual? I think not...

 

And what I quoted in the earlier post comes directly from the MasterCard site AND the manual.

[GEORGE]

Ask all you want for ID...ask till the cows come home for all I care

 

You get to back down I don't

[Continental]

As I said, you report them and it stops for all transactions.

Exactly. ALWAYS report - 1-800-VISA-911.

 

It actually takes little to no time. Usually, all of the information you need about the merchant (name, address, phone number) is right on the receipt! Very easy! You can make the call as you are driving home (speaker or earpiece of course), or while you are sitting in front of your computer. You don't need to sit down and "just" report a merchant. You can do many other things at the same time. Do it while you are opening your mail, etc..

Well worth the minimal effort.. Make sure your community is 100% violation-free.

[thelowpriceleader]

Where does it say in the MasterCard manual that they CAN ask on a signed card? It doesn't...

 

Just like it doesn't say they can't.

 

Hence the call for clarification.

 

Visa is another story- they spell it out... they can ask (technically they are only to ask on unsigned cards), they are discouraged from doing so by Visa (technically they are supposed to call for authorization on unsigned cards), and they cannot refuse to process because a cardholder refuses to show ID.

Edited May 29, 2009 by thelowpriceleader

[Uncle Leo]

Where does it say in the MasterCard manual that they CAN ask on a signed card? It doesn't...

 

Just like it doesn't say they can't.

 

Hence the call for clarification.

That which is not prohibited is allowed.

 

Seriously, do you really need to be told what you can do?

[GEORGE]

Where does it say in the MasterCard manual that they CAN ask on a signed card? It doesn't...

 

Just like it doesn't say they can't.

 

Hence the call for clarification.

 

Visa is another story- they spell it out... they can ask (technically they are only to ask on unsigned cards), they are discouraged from doing so by Visa (technically they are supposed to call for authorization on unsigned cards), and they cannot refuse to process because a cardholder refuses to show ID.

THEY CAN "ASK" TILL THE COWS COME HOME

 

I say no...THEY back off

 

ID can not be ask for as a "CONDITION OF SALE" for signed credit cards

[GEORGE]

Have you shown ID on an internet sale or by mail or over the phone sale lately???

 

WHY SHOW IT IN PERSON...what is different???