Comments on: You cannot require an ID for a Visa transaction???

By: vinod byreddy

vinod byreddy — Sun, 16 May 2010 18:12:47 +0000

From my understanding of MasterCard Chargeback Guide, master card discourages asking for personal identification except for unique transactions which includes money transfer, gambling etc. The guide says:
Members should cite Rule 5.6.3.
A Merchant must not refuse to complete a Transaction solely because a
Cardholder who has complied with the conditions for presentment of a Card
at the POI refuses to provide additional identification information, except as
specifically permitted or required by the Standards. A Merchant may require
additional identification from the Cardholder if the information is required to
complete the Transaction, such as for shipping purposes.

By: minority attorney

minority attorney — Fri, 23 Apr 2010 13:34:34 +0000

Please allow me to explain the “why” of the ID issue. The “real reason” the Indentification , Credit Cards, and et al.; Once upon a time, back in the 1970′s, 80′,90′s and even today, we have clerks, and perhaps even entire stores ( via management) that only ask SELECT customers for their identification. How do you think they made that distinction? They only asked people of color for their ID. Meedless to say, this practice created a “lot” of complaints to state EEO agencies that handle Title II complaints ( Public accomadation).
As a person of color myself, I have watched the clerks , at stores, pass people through the check out, and then when my turn came: “May I see your ID please?” When they haven’t even run the card through.
I cannot tell you how many times, I have been asked for ID when no one else has. After a couple of federal complaints, the credit card companies washed their hands of the problem, by ASKING their merchants not to ask for ID, as a condition, of sale, yet not quite prohibiting the practice either.
I always refuse to tender ID. I have had verbal”knock down darg outs at : “Goodwill, Lowes, Wal Mart, a farm store chain called Orschliens , and one “Dollar Store”.
Lowes was particularly disturbing because , in that case, I stood in line and watched three white males, make their purchases with out ID and using a credit card, sure enough my turn came up, and for 14.99 ; they asked me for ID. I admit I almost lost it. Though bias still exists, it is really hard to swallow.
Her I am in a business suit, a law degree, and behavior that would not indicate in any way, that I am using someone else’s credit card. The diiferences between me, and the three white males ahead of me are: 1) color, 2) gender, 3) clothing ( they had work cothes on as I had a suit and heels.)
I remeber in the 80′s I heard a clerk as a youndg black man if his name was really “McCracken”; I suppose her bias went to that Black people should not have “Scot/Irish” surnames.
Have I made my point yet?

By: Merchant Data Systems

Merchant Data Systems — Wed, 21 Apr 2010 16:49:13 +0000

That’s a good question, Nick. You would think that IDs are required for high-end items as well… Best Buy typically does this at least, but I’ve made some fairly hefty purchases at other locations without the requirement of an ID. Very odd…

By: Nick Bentley

Nick Bentley — Mon, 08 Feb 2010 18:31:29 +0000

There was a story on CNN about this, and they said when contacted all three said you couldn’t require ID as a condition for a transaction.
I just don’t get this, how can you sell someone high end electronics like laptops or the like without ID? Of course it’s up to the merchant to not sell the item, but Visa (at least) making it a requirement…
I’ve never heard of anyone losing their merchant account over it though. Also, there’s places like liquor stores which have to require ID anyway, for them at least there’s no legal way to comply with this policy.

By: jestep

jestep — Wed, 03 Feb 2010 16:58:27 +0000

Yes, thanks.

Looks like Discover leaves any language about checking an ID out of their manual. They do require the ID verified if the card is not signed, so I would assume they have a similar although more ambiguous approach as American Express.

By: Alex Hager

Alex Hager — Tue, 02 Feb 2010 08:56:43 +0000

Great post!

Are you looking for something like that:

http://www.ncosc.net/SECP/discover/Exhibit-A-Merchant_Operating_Regulations_Release_7.2.pdf

By: eldahman

eldahman — Sun, 31 Jan 2010 10:40:50 +0000

Very good post keep going man

By: Jay Sumlin

Jay Sumlin — Thu, 28 Jan 2010 14:01:58 +0000

I truly understand the merchants frustration regarding the whole credit card mess. Fees,regulations,charge backs,disputes. We in the credit card processing business need to listen rather than to focus on selling our goods. Try helping the business owner, advertise their business on the radio or local print media. This is what I do for my merchants after all you benefit too. My clients are always happy to see me or talk to me on the phone, a wonderful change after I started this. Google Jay Sumlin and read some of my tips.

By: linkwheel

linkwheel — Mon, 25 Jan 2010 06:01:38 +0000

The whole idea is for smooth transaction between the card-user/merchant hence a novel method be used keeping this view in mind…i am sure we can get one…