Card-Present

  1. Check the card security features (listed below). Make sure that the card has not been altered.
  2. Swipe the stripe. Swipe the card through the terminal in one direction only to obtain authorization.
  3. Check the authorization response. Take appropriate action for the specific response:

Response

Action
Approved Ask the customer to sign the sales receipt.
Declined Return the card to customer and ask for another Visa card.
Call/Call Center Call your voice authorization center and tell the operator that you have a "Call" or "Call Center" response. Follow the operator instructions.

Note: In most cases, a "Call" or "Call Center" message just means the card Issuer needs some additional information before the transaction can be approved.
Pick Up Keep the card if you can do so peacefully.
No Match Swipe the card and re-key the last four digits. If "no match" response appears again, keep the card if you can do so peacefully. Request a Code 10 authorization.
  1. Match the numbers. Check the embossed number on the card against the four digits of the account number displayed on the terminal.
  2. Request a signature. Have the cardholder sign the transaction receipt.
  3. Check the signature. Be sure that the signature on the card matches the one the transaction receipt.
If you suspect fraud, immediately make a Code 10 call to your voice authorization center.