|
A Disco� " ' "- ` �r on the back of a standard must be dearly printed on the Sales Draft near or above the Cardholder's
<br /> • rectangi 6.1.D. - Page 18 the Card can be used to conduct signature.The Cardholder's copy,as well as your copy,must clearly show
<br /> Contactless Card Transactions. this information.
<br /> Note: Valid Cards may not always be rectangular in shape(e.g.,Discover During a liquidation and/or closure of any of your outlets,locations and/or
<br /> 2G0�Cards)and certain valid Contactless Payment Devices approved by businesses,you must post signs clearly visible to customers stating that
<br /> us for use in accessing Card Accounts(e.g.,radio frequency(RF)enabled "All Sales Are Final;'and stamp the Sales Draft with a notice that"All Sales
<br /> Cards,key fobs,and Mobile Commerce Devices)and to conduct Contact- Are Final:'
<br /> less Card Transactions may not display the features described above. Generally do not give cash,check or in store credit refunds for Card sales.
<br /> Prepaid Gift Card Security Features Visa allows for the following exclusions:a cash refund to the Cardholder
<br /> The features described below are found on Prepaid Gift Cards;however, for a small ticket transaction or a no signature required transaction,a cash
<br /> the placement of these features may vary: refund,Credit,or other appropriate form of Credit to the recipient of a gift
<br /> purchased as a Mail/Phone Order transaction,or a cash refund or in-store
<br /> • Depending on the issue date of the Card,the Discover Acceptance Credit for a Visa prepaid card transaction if the Cardholder states that the
<br /> Mark or the Discover/NOVUS Acceptance Mark will appear on the front Visa prepaid card has been discarded.NOTE:A disclosure does not
<br /> or back of the Card. eliminate your liability for a Chargeback.Consumer protection laws and
<br /> • The embossed,stylized"D"appears on the front of the Card. Association Rules frequently allow the Cardholder to dispute these items
<br /> • A valid expiration date is embossed on the front of the Card. notwithstanding such disclosures.
<br /> • The front of the Card may display"Temporary Card;"'Prepaid Card;' 1.6. Delayed Delivery or Deposit Balance.In a delayed delivery
<br /> "Gift Card;'or"Electronic Use Only." transaction where a Cardholder makes a deposit toward the full amount
<br /> of the sale,you should execute two separate Sales Drafts(each completed
<br /> Note: Prepaid Gift Cards accepted at a limited,specific list of Merchants fully as described in Section 3.1.),the first for a deposit and the second
<br /> are not required to include the Discover Hologram and,may but are not for payment of the balance upon delivery of the merchandise or the
<br /> required to bear the Discover Acceptance Mark or the Discover/NOVUS performance of the services.
<br /> Acceptance Mark on the Card.You are required to remain familiar with
<br /> Discover Card designs and may reference the document,"Discover Security Visa: For Visa transactions,you must obtain an Authorization if the
<br /> Features:'You may download the document free of charge from Discover's cumulative total of both Sales Drafts exceeds the floor limit.You must
<br /> website at http://www.discovernetwork.com/fraudsecurity/fraud.html. obtain an Authorization for each Sales Draft on each transaction date.
<br /> 1.2. Effective/Expiration Dates. At the point of sale,the Card should be You must assign the separate Authorization numbers to each Sales Draft,
<br /> carefully examined for the effective(valid from)(if present)and expiration respectively.You must note on such Sales Drafts the words"delayed
<br /> (valid thru)dates which are located on the face of the Card.The sale date delivery;'"deposit"or"balance;'as appropriate,and the authorization
<br /> must fall on or between these dates.Do not accept a Card prior to the dates and approval codes.
<br /> effective date or after the expiration date.If the Card has expired,you MasterCard: For MasterCard transactions,you must obtain one
<br /> cannot accept it for a Card sale unless you have verified through your Authorization.You must note on both Sales Drafts the words"delayed
<br /> Authorization Center that the Card is in good standing,otherwise,you delivery;"'deposit"or"balance;'as appropriate,and the authorization date
<br /> are subject to a Chargeback and could be debited for the transaction. and approval code.
<br /> 1.3. Valid Signature. Check the back of the Card.Make sure that the Discover: For Discover transactions,you must label one Sales Draft
<br /> signature panel has not been disfigured or tampered with in any fashion "deposit"and the other"balance;'as appropriate.You must obtain the
<br /> (an altered signature panel may appear discolored,glued or painted,or "deposit"authorization before submitting the sales data for the"deposit"
<br /> show erasure marks on the surface).The signature on the back of the Card or the"balance"to us.If delivery of the merchandise or service purchased
<br /> must compare favorably with the signature on the Sales Draft.The Sales will occur more than ninety(90)calendar days after the"deposit"
<br /> Draft must be signed by the Card presenter in the presence of your authorization,you must obtain a subsequent authorization for the
<br /> authorized representative(unless a Card Not Present Sale)and in the "balance:'In addition,you must complete Address Verification at the time
<br /> same format as the signature panel on the Card;e.g.,Harry E.Jones of the"balance"authorization,and you must obtain proof of delivery
<br /> should not be signed H.E.Jones.The signature panels of Visa,MasterCard upon delivery of the services/merchandise purchased.You may not
<br /> and Discover Cards now have a 3-digit number(CW 2/CVC 2/CID)printed submit sales data relating to the"balance"to us for processing until the
<br /> on the panel known as the Card Validation Code. merchandise/service purchased has been completely delivered.
<br /> Visa.MasterCard and Discover: If the signature panel on the Card is blank, NOTE: For Visa and MasterCard transactions,If delivery is more than
<br /> in addition to requesting an Authorization,you must do all the following: twenty-five(25)days after the original transaction date and the initial
<br /> • Review positive identification bearing the Cardholder's signature(such Authorization request(as opposed to the ninety(90)days in Discover
<br /> as a passport or driver's license that has not expired)to validate the transactions),you should reauthorize the unprocessed portion of the
<br /> Cardholder's identity. transaction prior to delivery.If the transaction is declined,contact the
<br /> • Indicate the positive identification,including any serial number and Cardholder and request another form of payment.For example:
<br /> expiration date,on the transaction receipt. On January 1,a Cardholder orders$2,200 worth of furniture and you
<br /> receive an Authorization for the full amount;however,only a$200 deposit
<br /> • Require the Cardholder to sign the signature panel of the Card prior to is processed.The above procedures are followed,with a$2,000 balance
<br /> completing the Transaction. remaining on the furniture;the$2,000 transaction balance should be
<br /> 1.4. Users Other Than Cardholders. A Cardholder may not authorize reauthorized.
<br /> another individual to use his/her Card for purchases.Be sure the signature 1.7. Recurring Transaction and Preauthorized Order Regulations.
<br /> on the Card matches with the one on the Sales Draft.Furthermore,any If you process recurring transactions and charge a Cardholder's account
<br /> Card having two signatures on the back panel is invalid and any sale made periodically for recurring goods or services(e.g.,monthly insurance
<br /> with this Card can result in a Chargeback.For Cards bearing a photograph premiums,yearly subscriptions,annual membership fees,etc.),the
<br /> of the Cardholder,ensure that the Cardholder appears to be the person Cardholder shall complete and deliver to you a Cardholder approval for
<br /> depicted in the picture which appears on the Card.If you have any such goods or services to be charged to his account.The approval must
<br /> questions,call the Voice Authorization Center and request to speak to a at least specify the Cardholder's name,address,account number and
<br /> Code 10 operator. expiration date,the transaction amounts,the frequency of recurring
<br /> 1.5. Special Terms. If you limit refund/exchange terms or impose other charges and the duration of time for which the Cardholder's permission
<br /> specific conditions for Card sales,the words"No Exchange,No Refund;'etc. is granted.For Discover transactions,the approval must also include the
<br /> WFB1301 4
<br />
|