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All networks allow a merchant to request identification. However, Mastercard and Visa expressly prohibit retailers from requiring an ID card to accept a signed card. In a test of the law, the California Supreme Court ruled that the issue of a zip code is personally identifiable, so merchants who do so as part of their marketing efforts risk fines under state law. This law and others like it do not prohibit merchants from verifying identity cards. But “the minute you record this information, either by writing it or typing it into an electronic system, you`ve probably broken the law,” Stephens says. While some states have laws that prohibit a cashier from writing your identity information, card networks – Visa, Mastercard, etc. – most often have a say in whether merchants can request identification. The agreements that merchants sign when they decide to accept cards from these networks contain rules that govern card verification procedures. However, sometimes, when stories reach the national media, the highest are on the client`s side and promise to retrain their staff, not to require identity, unless required by law, for example by buying tobacco and alcohol. If a merchant refuses to honour your credit card because you don`t present your ID card, you can usually report it by calling the number on the back of your card, calling the card network (Visa, Discover, Mastercard or American Express) or visiting the network`s website. In some countries, for example.

B, Russia, the United States and some Asian countries, a trader is allowed to charge a convenience fee to the customer. The fee must be a flat fee (not a percentage of the transaction amount), be clearly disclosed and constitute a payment for the comfort of payment via an alternative payment channel (for example. B online) different from the merchant`s normal payment channel (for example. B, mailing a cheque or paying in person). “As soon as it`s a return load… The trader will lose because he accepted a stolen card and he did not do his due diligence,” Broder says. A “keep” is when a merchant actually tells your bank or credit card company to set aside a specific amount for an imminent purchase. This is most often in restaurants and hotels where guests cannot predict in advance advice or add-on fees. The answer to this question depends on the type of dealer. There are different rules for services such as restaurants and hair salons then there are for travel agencies – hotels, car rentals and cruise lines. Hotels, cruise lines and car rental agencies can pre-authoriz a fee.

Therefore, if you book a hotel for two nights, the hotel can respect your card for the estimated cost of your stay and charge you the actual value at check-out. If it is within a certain threshold (usually 15%) they do not need to go back and make a second set of authorizations. For services with a tip (“Restaurant, Taxicab, Limousine, Bar, Taverne, Beauty/Barber Shop and healthcare dealer/Beauty Spa transactions”), the initial authorization can only be issued for what you have actually spent. If the dinner was $50, a $50 authorization is displayed on your account with a notification that the value may change. The $10 tip you added when you signed the receipt will be added later, and then you will be charged the full $60. On January 1, 2018, a new Texas law came into effect, allowing a merchant to request government-issued photo ID to verify the identity of a credit or debit card user – and to refuse the transaction if the buyer refuses to present it.


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