7
Cardholder Privacy and Security
Terminal security
It is the Merchant’s responsibility to secure the terminal, any user IDs or passwords and to
prevent unauthorized use. In any event the Merchant will be liable for any unauthorized use
of the terminal or any user IDs or passwords. For more information on TD Core Financial
application settings, please refer to the
Configuration and Troubleshooting Guide
.
Fraud prevention
The following information will help you protect yourself from fraudulent transactions.
Manually entered credit card transactions
There is an inherent risk associated with these transactions as they have an increased rate
of fraud. If you do manually enter a credit card transaction which is deemed fraudulent,
you will be held responsible for any chargebacks associated with it.
If you are uncomfortable manually entering a credit card it’s within your rights as a
business owner to request another form of payment (debit, cash, etc.).
Call for authorization
Sometimes, due to a communication or security issue, a transaction cannot or should not be
completed. See the list of messages and events below that will cause you to call for authorization.
Note:
You must call for authorization for
every
force post transaction performed on your terminal.
Whenever
Action
…the card number on the
screen does not match the
number embossed on the card.
Press the
Cancel
key and call for a voice authorization immediately.
Request a
CODE 10
authorization. In this situation, you may be
dealing with a fraudulent card and
CODE 10
will alert the
financial institution to this possibility.
…the cardholder signature
on the receipt does not
match the signature on the
reverse of the card.
Call for a voice authorization.
Request a
CODE 10
authorization. The financial institution
will be able to advise whether or not the correct individual is
using the card. They will also tell you how to proceed.
…you have any doubts
about the validity of a card
or a transaction.
Call for a voice authorization.
Request a
CODE 10
authorization. The financial institution
will be able to advise whether or not the correct individual is
using the card. They will also tell you how to proceed.
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