Visa / MasterCard / Point-of-Sale Terminal Procedures |
.. Bill, Sept 26/05 |
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Calgary sales
Get an authorization for the exact amount of all Visa &
MasterCard sales. Fill out a Visa or Mastercard slip, get the card imprint and
signature, and call for authorization. Record the authorization number on the
sales slip, record our invoice numbers, and fax it to Annette for payment
processing.
Delta & Edmonton sales
Run the Visa
or Mastercard through our Point of Sale terminal. Get the signature. Record our
invoice/packing list number on the sales slip. (Edmonton: fax the slip to
Annette for reconciliation.)
**Note** Getting an authorization does not charge the customer or credit our account. That is only done after we process the payment through the Delta or Edmonton Point of Sale terminal.
Shop work
Get an authorization for any
shop work that will be billed on a credit card, or any other time that seems
appropriate. Estimate the amount of the bill, and call it in. Record the
authorization number in the workorder header, and email this info to Annette.
Remember that the authorization only reserves funds for 8 days!
Authorizations
Authorizations can be done
from any phone. The authorization reserves the funds on the credit card for 8
days. So for 8 days, we will get paid if we run the credit card sale through
the Point of Sale terminal with the authorization number. At the end of 8 days,
the authorization expires, and the funds are no longer reserved for us.
Get an imprint of the card and the customer's signature. If we do not have the imprint of the physical card and customer signature (e.g. a telephone order), be careful that this is not fraud. Without the signature and imprint the customer can claim that he never gave authorization to use the card. They have up 1 year to do this. This has happened to us on a few occasions.
Our Credit card authorization form gives us some protection, but not as much as a physical imprint of the card.
Point of Sale terminal instructions
Regular Sale:
When you have an authorization number:
Credit or Void:
Daily Routine for Point of Sale Terminal:
Doing the above
routines does not put the money into our bank account. We must go through a
daily routine in order to do this.
Fraud
If we do not have an imprint of the
physical card, Frontier pays for any fraudulent charges, even if we have an
authorization!
If you have any suspicions, here is what to do:
Customer here with card:
Call the authorization number above.
Select the option for a CODE 10 authorization. The Visa/Mastercard rep
will ask you a series of yes/no questions. They may ask to talk to the
customer. They may ask you to retain the card--but do that only if it can be
done easily and safely.
Customer is not present:
Call the authorization number
(above). Select the option for a CODE 10. Tell the Visa/Mastercard rep
why you are suspicious. They will give you the telephone numbers of the issuing
bank. Make sure that it is a number that we can dial from Canada (e.g. Bank of
America's 1-800 numbers do not work outside of the USA). Get numbers for both
automated address verification and fraud departments.
Most banks offer automated CVC/CVV2 and address verification services. You need the customer's complete billing address and CVC or CVV2 number (these are the last 3 digits imprinted on the signature panel on the back of MasterCard and Visa cards.)
If we are unable to accept his credit card, suggest alternative payment methods (e.g. Bank transfers). This especially applies to foreign transactions.
Visa's suggestions for how to reduce chargebacks.
Help desk
- for the Point of Sale
terminal is phone number 604-654-3291.
- TD Canada Trust merchant services
1-800-363-1163 (old #1-866-558-5571), merchant number 200-022767012 (Delta),
200-022948851 (Edmonton)
- First Data, merchant ID 98423450022. Customer
service 1-800-165-1228.