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• If the terminal does not display the Card number,call the POS Help • For Discover sales using a paper Sales Drafr' '` �' -` - Desk for terminal assistance. Draft Capture),the paper sales draft must�6.1.D. - Page 21 REMEMBER: AN AUTHORIZATION CODE ONLY INDICATES THE AVAILA- your representative or employee that conducted the transaction.For BILITYOF A CARDHOLDER'SCREDITATTHETIME OFTHETRANSACTION. Discover Credits,the Credit Draft must contain the signature of your IT DOES NOT WARRANTTHAT THE PERSON PRESENTING THE CARD IS authorized representative or employee that conducted the transaction. THE RIGHTFUL CARDHOLDER.IF PROPER PROCEDURES ARE NOT • Discover Card Sales in an amount more than$25.00 including sales FOLLOWED AT THE TIME OF THE TRANSACTION,YOU ARE SUBJECT TO taxes,tip,and/or Cash Over amount are not eligible for treatment as A CHARGEBACK AND YOUR ACCOUNT MAY BE DEBITED FOR THE No Signature Required Card Sales and you may lose a Dispute of such AMOUNT OF THE TRANSACTION. a Card Sale if the Merchant fails to obtain the Cardholder's Signature � on theTransaction Receipt. • Eligible merchants participating in Quick Payment Service and/or Small You must prepare a Sales Draft or Credit Draft,as applicable,for each Card Ticket are only required to provide the Cardholder with the completed transaction and provide a transaction receipt or copy of the Draft to the Sales Draft when requested by the Cardholder. Cardholder at the time the Card transaction is completed. 3.1. Information Required.All of the following information must be ' NOTE: For Discover transactions,if you are a merchant operating contained on a single page document constituting a Sales Draft or under certain merchant category codes approved by Discover,you are Credit Draft: not required to obtain the Cardholder's signature so long as the full track data is transmitted in the authorization request and the sale • Cardholder's account number must appear on the Sales or Credit Draft amount is$25.00 or less. in the manner required by applicable law and Association Rules. Note: The Sales or Credit Draft you provide to a Cardholder may • This Section shall apply only to receipts that include a Card account not include the Cardholder's expiration date or any more than the number that are electronically printed and shall not apply to last four digits of the Cardholder's Card number.Some states have transactions in which the sole means of recording the Card account similar requirements that also apply to the Sales or Credit Drafts number is by handwriting or by an imprint or copy of the Card. you retain.MasterCard requires that Card expiration dates be 3.2. Mail/Telephone/Internet(Ecommerce)Orders and Other Card excluded from the Sales or Credit Drafts your business retains. Not Present Sales.You may only engage in mail/telephone/Internet You are solely responsible to determine the Card account number orders provided they do not exceed the percentage of your total payment truncation requirements and Card expiration date exclusion Card volume reflected on your Application.Failure to adhere to this requirements for your state/jurisdiction; requirement may result in cancellation of your Agreement.Merchants • Clear imprint of the Card.Whenever the term"imprint"is used it refers conducting Internet transactions using MasterCard or Visa Cards must to the process of using a manual imprinting machine to make an have special codes(an"Electronic Commerce Indicator")added to their impression of the Card on a Sales Draft;it does not include the authorization and settlement records.Discover does not use an Electronic printout from a printer attached to an electronic device.If you use an Commerce Indicator.Failure to register as a merchant conducting Internet electronic device(e.g.,authorization/draft capture terminal,cash transactions can result in fines imposed by the Associations. register,POS Device,etc.)and swipe the Card to read and capture the . Mail,Telephone,Internet and other Card Not Present transactions Card information via the Magnetic Stripe,you do not have to imprint have a substantially higher risk of Chargeback.Since you will not have the Card.HOWEVER,IF THETERMINAL FAILSTO READTHE MAGNETIC an imprinted or magnetically swiped transaction and you will not have STRIPE OR IF YOU ARE REQUIRED TO OBTAIN A VOICE AUTHORIZATION, the Cardholder's signature on the Sales Draft as you would in a face-to- THEN YOU MUST IMPRINTTHE CARD.IN ADDITION,THE SALES DRAFT face transaction,you will assume all riskassociated with accepting a MUST HAVE THE CARDHOLDER'S SIGNATURE.FAILURE TO FOLLOW mail/telephone/Internet or other Card Not Present transaction.The THESE PROCEDURES WILL PREVENTYOU FROM DEFENDING ATRANS- following procedures,while they will not eliminate Chargebacks,are ACTION IN THE EVENTTHAT IT IS CHARGED BACK UNDER A CLAIM THAT useful in reducing them and should be followed by you: THE RIGHTFUL CARDHOLDER DID NOT AUTHORIZETHE PURCHASE. ENTERING INFORMATION INTO ATERMINAL MANUALLY WILL NOT • Obtain the expiration date of Card. PREVENTTHIS TYPE OF CHARGEBACK.FOR MAIL/TELEPHONE/INTERNET . On the Sales Draft,clearly print the Cardholder's account number; AND OTHER CARD NOT PRESENT ORDERS SEE SECTION 3.2; effective and expiration dates;date of transaction;description of the • Cardholder's Signature.However,eligible merchants participating in goods and services;amount of the transaction(including shipping, MasterCard's Quick Payment Service Program,Visa's Small Ticket,Visa/ handling,insurance,etc.);Cardholder's name,billing address and Discover No Signature Program,and/or certain Discover transactions shipping address;authorization code;and merchant's name and (see note below)are not required to obtain the Cardholder's signature address(city and state required). under certain conditions set forth by each program; • For mail orders,write"MO";for telephone orders,write"TO"on the • Date of the transaction; Cardholder's signature line. • Amount of the transaction(including the approved currency of • If feasible,obtain and keep a copy of the Cardholder's signature on file the sale); on a form authorizing you to submit telephone and mail order • Description of the goods and/or services involved in the transaction transactions. (if there are too many items,combine them into one description; • You should utilize the Address Verification Service for all Card Not e.g."clothing"instead of"one pair of pants,one shirt").Do not carry PresentTransactions(see note below).Address Verification is specifically information onto a second Sales Draft; required for all Discover Card Not PresentTransactions,and if you do • A valid authorization code;and not receive a positive match through AVS,you may not process the • Merchant's Doing Business As("D/B/A")name and location(city and Discover Card Not Present Transaction.If you do not have AVS, state required)and Merchant Account Number. contact us immediately. • When imprinting Sales Drafts,do not alter the Cardholder account ' You should obtain the 3-digit Card Validation Code number and include number,circle or underline any information on the Sales Draft or alter it with each authorization request.Discover Association Rules specifically a Sales Draft in any way after the transaction has been completed and require that you submit the Card Validation Code with the authorization signed.Stray marks and other alterations on a Sales Draft may render it request for all Discover Card Not Present Transactions. electronically unscannable,unreadable or illegible.This may result in a • For telephone orders,it is recommended that written verification of the Chargeback or summary adjustment to your account. sale be requested from the Cardholder(sent by mail or fax). 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