9
Split Ticket Transactions
A Transaction may be deemed invalid and charged back to you if, in ANZ’s
reasonable opinion, it relates to one or more purchases made in the same merchant
establishment which have been split into two or more Transactions.
Fraud Minimisation for Credit Cards
The following checks are vital in helping you identify and minimise fraudulent credit
card Transactions via your ANZ Merchant Facility.
Card Front
:
• Ensure that the name on the card is appropriate to the customer. Identity theft may
have occurred if you are presented with a card containing the name of a cartoon
character, a feminine name on a card presented by a male or other questionable
scenarios
• The printing on the card should look professional
• The card must have current validity dates (a card can only be used from the first day
of the ‘valid from’ month to the last day of the ‘until end’ month)
• Cards should look 3-dimensional and contain familiar security features such as a
hologram, signature panel and CVC (explanation to follow). It should not appear
suspicious or be made of inferior material.
Embossed Cards
:
• The cardholder name and number should be raised and not flattened (unless it is a
genuine unembossed card)
• The first four digits of the embossed number must match the pre-printed four digits
on the card
• The embossing should be clear and even.
Unembossed Cards
:
• A cardholder name may or may not be included
• Can be used for electronic Transactions only
• The cardholder name and number are printed rather than raised
Signature
:
• A signature should appear within the signature panel on the card
• The signature or signature panel should not appear to have been altered
• The customer’s signature on the Transaction Voucher should match the signature
on the card.
Summary of Contents for multiPos
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