chris Campbell on fri 1 feb 02
To all who accept credit cards -
Here is a little known rule - You must get the billing address of the
customer who presents the card.
Doesn't sound crucial does it? A friend of mine had her entire fraud
case denied by the bank because she could not produce the billing address.
She received three orders from the same person within a couple weeks,
got the card info and had it approved. Turned out the card was stolen and it
was an International fraud scheme. She had not taken a billing address and
this was the reason they gave for not honoring the approvals.
You'll note that whenever you order by phone from a large company they
always ask for your billing address. Start doing the same.
Chris Campbell - in North Carolina - leaving for Thailand in two weeks - it
is so hard to stay focused on producing pottery........
Chris Campbell Pottery
9417 Koupela Drive
Raleigh NC 27615
e-mail : ccpottery@aol.com
website : www.wholesalecrafts.com
Dale Cochoy on sat 2 feb 02
----- Original Message -----
From: "chris Campbell"
Subject: Re: Credit Cards - Important Note
> To all who accept credit cards -
>
> Here is a little known rule - You must get the billing address of
the
> customer who presents the card.
I'm not sure if this has been mentioned or not since I really haven't
followed this thread, but,
With Credit cards, they MUST be signed. Some people don't want to sign them
in case they are stolen and want to show an ID. That might prove they are
who they say but it does not make the card valid. It says right on the cards
that they are not valid unless signed ( hat's why eople don't want to sign
them in the first place, they are valid if stolen).
But, if you accept a sale on an unsigned card , which is invalid, then they
can deny the sale and you lose out. If it comes to the card owner ( the
company) calling in the card to check if it's been in use, and it's not
signed, then you will lose the income from the sale. It's your word against
theirs.
Also, does anyone out there charge an extra fee with card sales to cover
costs of card "gimmee's" to bank?
Dale
Maid O'Mud on sat 2 feb 02
I used to have Mastercard (when I was doing the outdoor circuit) and one of
_the rules_ is you can NOT charge excess fees when accepting a card. This
was pointed out to me longly and loudly by the bank when I was setting up
the account.
This does not, however, stop you from offering a small discount to people
who choose to pay cash (say 2.5%-3%). This is perfectly legal, and the
charge company cannot interfere.
You can lose your account w/the charge company if you are caught adding fees
for card use. Beware!!!
> ----- Original Message -----
> From: "chris Campbell"
> Subject: Re: Credit Cards - Important Note
>
> Also, does anyone out there charge an extra fee with card sales to cover
> costs of card "gimmee's" to bank?
> Dale
Sam - Maid O'Mud Pottery
Melbourne, Ontario CANADA
"First, the clay told me what to do.
Then, I told the clay what to do.
Now, we co-operate."
sam 1994
http://www.ody.ca/~scuttell/
potterybydai on sat 2 feb 02
Dale said: With Credit cards, they MUST be signed
That would eliminate all telephone or mail orders, then, wouldn't it?
On a further note, I think all credit cards should have photo I.D., just
like driver's licenses. I've seen a few, and it's reassuring to know that's
acrually that person's card. Signatures are ridiculous---it takes someone
less than 5 minutes of practice to forge someone's signature, especially if
that's how they make their living! So, having the signature on the back of
the card is nothing more than an aid to the thief!
Dai in Kelowna, BC
potterybydai@shaw.ca
Life is 10% what happens to you, and 90% how you
respond to it.
Cindi Anderson on sat 2 feb 02
No, for mail, telephone or web orders the process is different. First, they
charge a higher percentage due to fraud. Second, you can't process a card
until you run the information through the processing company (amount, name,
billing address, etc.) and get a confirmation code. Once they have given
you a confirmation code, then you can charge and they take responsibility if
there is fraud. If you don't get a match, you have to go back and find out
if the customer gave you some wrong information. Often customers don't give
you their billing address, although people are getting better at it as the
order on the web more. Or sometimes they think they have room on their
card, but they don't.
Cindi
Fremont, CA
----- Original Message -----
> Dale said: With Credit cards, they MUST be signed
>
> That would eliminate all telephone or mail orders, then, wouldn't it?
Bobbi Bassett on sat 2 feb 02
In a message dated 2/2/2002 10:17:56 AM Eastern Standard Time,
dalecochoy@PRODIGY.NET writes:
> With Credit cards, they MUST be signed.
THIS IS NOT COMPLETELY TRUE. ALL OF MY PERSONAL CREDIT CARDS ARE NOT
TECHNICALLY SIGNED . I PRINT IN PERMANENT MARKER "PLEASE SEE DRIVER'S
LICENSE". I WILL CONTINUE TO DO THIS UNTIL SUCH TIME AS I HAVE A PICTURE ID
CREDIT CARD... AND IT'S PERFECTLY LEGAL.
> Also, does anyone out there charge an extra fee with card sales to cover
> costs of card "gimmee's" to bank?
> IT IS AGAINST THE VISA/MASTERCARD RULES TO CHARGE AN EXTRA FEE TO SOMEONE
> USING A CREDIT CARD. YOU CAN LOSE YOUR MERCHANT PRIVILEGES. HOWEVER, YOU
> CAN GIVE A DISCOUNT FOR CASH.
>
> HOPE THIS HELPS
>
Bobbi in PA
Concepts in Clay
Dale Cochoy on sat 2 feb 02
.
----- Original Message -----
From: "potterybydai"
Subject: Re: Credit Cards - Important Note
> Dale said: With Credit cards, they MUST be signed
>
> That would eliminate all telephone or mail orders, then, wouldn't it?
Those can be a problem, for the reason indicated. If you look at your credit
cards they'll probably say something to the effect of " Not valid unless
signed".
> On a further note, I think all credit cards should have photo I.D., just
> like driver's licenses. I've seen a few, and it's reassuring to know
that's
> acrually that person's card.
Yes, I think that day will come.
Signatures are ridiculous---it takes someone
> less than 5 minutes of practice to forge someone's signature, especially
if
> that's how they make their living! So, having the signature on the back
of
> the card is nothing more than an aid to the thief!
I don't agree. If the owner signed it then it's legally In use". If he
didn't , and you take it, he can deny the use and sale and receipt of goods.
happens all the time. Sure, a thief can forge a signature. Thieves do all
kinds of stuff! If you are in doubt, ask to see another ID.
Dale
> Dai in Kelowna, BC
> potterybydai@shaw.ca
>
> Life is 10% what happens to you, and 90% how you
> respond to it.
>
>
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Dale Cochoy on sat 2 feb 02
----- Original Message -----
From: "Cindi Anderson"
Subject: Re: Credit Cards - Important Note
> No, for mail, telephone or web orders the process is different. First,
they
> charge a higher percentage due to fraud. Second, you can't process a card
> until you run the information through the processing company (amount,
name,
> billing address, etc.) and get a confirmation code. Once they have given
> you a confirmation code, then you can charge and they take responsibility
if
> there is fraud. If you don't get a match, you have to go back and find
out
> if the customer gave you some wrong information. Often customers don't
give
> you their billing address, although people are getting better at it as the
> order on the web more. Or sometimes they think they have room on their
> card, but they don't.
>
> Cindi
Cindi.
You are 100% correct on everything. The only problem I've really ever had
was taking cards at conventions and you can't run them until later. Banks
aren't suppose to, but do help with phoning people etc. And, you are sure
right about people over spending. At conventions it happens all the time.
But, I usually hold the card one or two days, re-run and it's fine. If not,
then get on the banks trail. I have had them call the people, tell them to
put the money in the bank, then call me back and tell me when to run cards.
Overall, cards are safer than taking checks. In my opinion.
But, I sure hate those bank gimmee fees.!
Dale
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