Stores asking for additional ID when using CC... I thought it wasn't allowed.

[KK]

Originally posted by: CadetLee

Yes it is called the header

http://www.mastercard.com/us/w...ard_Merchant_Rules.pdf

2.1 Acceptance Procedures
2.1.1 Acceptance Procedures for Purchase Transactions
The following sections contain information and requirements relevant to the
card acceptor?s acceptance procedures for purchase transactions.
2.1.1.1 Card Must be Present
A MasterCard card must be presented to the card acceptor for all transactions
except in the case of mail orders, telephone orders, non?face-to-face unique
transactions, electronic commerce transactions, and preauthorized orders.
2.1.1.2 Determine if the Card is Valid
The card acceptor must complete the following steps to determine whether
each card presented is a valid MasterCard card:
? Check the valid date and the expiration date on the face of the card. If the
card is expired or not yet valid, the card acceptor must obtain an
authorization from the issuer.
? Check the Electronic Warning Bulletin or international Warning Notice(s).
If the account number is listed, the card acceptor must not complete the
transaction without obtaining an authorization from the issuer.
? Compare the four-digit truncated account number imprinted in the
signature panel with the last four digits of the embossed account number
on the face of the card.
? Unless a hybrid terminal is used, compare the embossed account number
on the face of the card with the number displayed or printed from the POI
terminal.
? If a photograph of the cardholder is present on the card, compare the
photograph on the card with the person presenting the card.
? Check that the card is signed.
? For unique transactions processed in a face-to-face environment (with the
exception of truck stop transactions and card-read transactions where a
non-signature CVM is used), request personal identification of the
cardholder in the form of an unexpired, official government document.
Compare the signature on the personal identification with the signature on
the card.

Maybe I'm going blind...?

Yeah, that would have you thinking that its ok to ask for ID. I wonder why they say "unique" transactions?

 

[duragezic]

Originally posted by: MmmSkyscraper
Whenever I bought something with a credit card in the US, I could have written "You are a tool" or similar on all of the slips cos the employees were giving the card back before I'd even signed.

Haha, reminds me of that site a while back. The guy had realized how no one ever looks at the signature, they just give you your receipt and you're on your way. So he started by writing a fake name or something, then got as far as writing a little box on it or something. No one ever noticed. Hahaha it was great.

 

[smack Down]

Originally posted by: CadetLee

Yes it is called the header

http://www.mastercard.com/us/w...ard_Merchant_Rules.pdf

2.1 Acceptance Procedures
2.1.1 Acceptance Procedures for Purchase Transactions
The following sections contain information and requirements relevant to the
card acceptor?s acceptance procedures for purchase transactions.
2.1.1.1 Card Must be Present
A MasterCard card must be presented to the card acceptor for all transactions
except in the case of mail orders, telephone orders, non?face-to-face unique
transactions, electronic commerce transactions, and preauthorized orders.
2.1.1.2 Determine if the Card is Valid
The card acceptor must complete the following steps to determine whether
each card presented is a valid MasterCard card:
? Check the valid date and the expiration date on the face of the card. If the
card is expired or not yet valid, the card acceptor must obtain an
authorization from the issuer.
? Check the Electronic Warning Bulletin or international Warning Notice(s).
If the account number is listed, the card acceptor must not complete the
transaction without obtaining an authorization from the issuer.
? Compare the four-digit truncated account number imprinted in the
signature panel with the last four digits of the embossed account number
on the face of the card.
? Unless a hybrid terminal is used, compare the embossed account number
on the face of the card with the number displayed or printed from the POI
terminal.
? If a photograph of the cardholder is present on the card, compare the
photograph on the card with the person presenting the card.
? Check that the card is signed.
? For unique transactions processed in a face-to-face environment (with the
exception of truck stop transactions and card-read transactions where a
non-signature CVM is used), request personal identification of the
cardholder in the form of an unexpired, official government document.
Compare the signature on the personal identification with the signature on
the card.

Maybe I'm going blind...?

Not blind looking at an out of date version
http://www.mastercard.com/ca/w...CHANT-RULES-Manual.pdf

 

[jlee]

The following sections contain acceptance procedures excerpted in previous
editions from the Bylaws and Rules manual; however, effective with the
October 2002 edition of the guide, these acceptance procedures were removed
from the Bylaws and Rules manual and may be found only here.

It does not say they are no longer relevant - it says they are no longer found in the Bylaws and Rules manual, and may only be found in the Merchant Rules Manual.

 

[TruePaige]

I can vouch, because I knew some very PO'ed people.

At my subway they had a "3.00 minimum" for credit transactions.

Well we went in there a lot just for some cookies. 3 for a 1.00

So someone (I don't remember who) called VISA, and they threated to pull the merchants ability to accept credit at all if they didn't remove the minimum charge.

I hate minimum charges, it's AGAINST the Merchant agreement.

I also hate showing ID, and I'm ready to right to VISA about my local L.L. Bean on it.

 

[Auric]

Originally posted by: duragezic

Originally posted by: MmmSkyscraper
Whenever I bought something with a credit card in the US, I could have written "You are a tool" or similar on all of the slips cos the employees were giving the card back before I'd even signed.

Haha, reminds me of that site a while back. The guy had realized how no one ever looks at the signature, they just give you your receipt and you're on your way. So he started by writing a fake name or something, then got as far as writing a little box on it or something. No one ever noticed. Hahaha it was great.

Prolly zug.

Yeah, my sig is rarely checked and I don't think I have ever been axed for ID. Frankly, signing seems a waste of time and offers virtually no security. If checking the sig was usual then I would prefer to just show ID instead but not both.

However, even though I care little about bank or merchant losses since realistically my minimizing them will not affect my costs, I have considered signing (printing) "Please check ID" and producing said ID simultaneously with the CC but then also signing the receipt with that would cause problems so the regular sig would be necessary and in any case I am then doing both sans personal benefit.

I suppose if you wanted to reduce your hassle (but not costs) in the eventuality of losing the CC then you could both sign it and print "check ID" as said. It depends upon how much extra hassle over time that is worth to you.

Perhaps banks should offer extra benefits for optionally adding a photo; put their moolah where their mouf is.

 

[HappyFace]

I purposely wrote "SEE ID" on the back of my credit card, so that in the event it is stolen the chances of fraudulent charges being put through are less likely.

 

[KK]

Originally posted by: smack Down

Originally posted by: CadetLee

Yes it is called the header

http://www.mastercard.com/us/w...ard_Merchant_Rules.pdf

2.1 Acceptance Procedures
2.1.1 Acceptance Procedures for Purchase Transactions
The following sections contain information and requirements relevant to the
card acceptor?s acceptance procedures for purchase transactions.
2.1.1.1 Card Must be Present
A MasterCard card must be presented to the card acceptor for all transactions
except in the case of mail orders, telephone orders, non?face-to-face unique
transactions, electronic commerce transactions, and preauthorized orders.
2.1.1.2 Determine if the Card is Valid
The card acceptor must complete the following steps to determine whether
each card presented is a valid MasterCard card:
? Check the valid date and the expiration date on the face of the card. If the
card is expired or not yet valid, the card acceptor must obtain an
authorization from the issuer.
? Check the Electronic Warning Bulletin or international Warning Notice(s).
If the account number is listed, the card acceptor must not complete the
transaction without obtaining an authorization from the issuer.
? Compare the four-digit truncated account number imprinted in the
signature panel with the last four digits of the embossed account number
on the face of the card.
? Unless a hybrid terminal is used, compare the embossed account number
on the face of the card with the number displayed or printed from the POI
terminal.
? If a photograph of the cardholder is present on the card, compare the
photograph on the card with the person presenting the card.
? Check that the card is signed.
? For unique transactions processed in a face-to-face environment (with the
exception of truck stop transactions and card-read transactions where a
non-signature CVM is used), request personal identification of the
cardholder in the form of an unexpired, official government document.
Compare the signature on the personal identification with the signature on
the card.

Maybe I'm going blind...?

Not blind looking at an out of date version
http://www.mastercard.com/ca/w...CHANT-RULES-Manual.pdf

is yours for canada, I noticed his link has us and yours had ca?