Swipe the card through the terminal in the customer's presence.
Follow instruction from POS (approve /decline/collection etc.)
In case the card is declined as Lost/Stolen, Capture, Pickup, the merchant should retain the card or report it immediately to the acquiring bank or call the authorization number and ask for a code.
Compare the card number & name printed on the charge slip with that on the card.
Get the charge slip signed by the customer and check if the signature matches with the one on the card.
If the card is not signed then ask the customer to sign it in your presence. Verify the signature and name along with photo identification.
Return the card and customer copy of the charge slip to the customer.
Keep the merchant copy of the charge slip and the invoice of the Transaction for at least one year after the sale to settle any future disputes.
For all International/High Value card transactions, it is recommended that the merchant should check the ID proof of the card holder and compare the signature on the card to the signature on the ID proof. Also check whether the nationality as per ID proof matches with Issuing bank country.
The credit card, local or international can be checked with the issuing bank name, country of card issued & customer care numbers printed on the backside of the credit card. Alternatively, merchant may contact the Authorization center of the Acquirer and confirm the name of the Bank against that mentioned on the card.
Always note down the customers address and contact details for future reference.
Split the amounts and swipe multiple times for a single transaction.
Provide cash against the credit cards.
Use your own card at the merchant establishment.
Handover the EDC to the card holder, unless the terminal asks for a PIN to be entered.