Guest Post: First Data Merchant Solutions
Have you noticed that while most international visitors to the UK carry credit or debit cards, they don’t always have Chip and PIN capability?
John Champion from First Data Merchant Solutions, which provides preferential rates to ShopIntegrator members, offers advice on what to do if you are handed one of these cards so you don’t lose a sale.
While Chip and PIN technology has been established in the UK since 2008, it’s still not a standard feature on many international payment cards – including those issued in the USA.
‘The magnetic stripe and signature strip is the fall back solution where there is no chip, it’s not working or has been disabled,’ explained John. ‘So we suggest two things – firstly that retailers remind their staff how to use the stripe option and secondly to remember all the old ways of spotting fraud.’
- When checking the signature, look closely at the signature strip and make sure the original signature has not be ‘over-written’
- Look at the front of the card under a UV light – does it have the appropriate mark?
- Make sure the first four digits of the MasterCard or Visa card number are also printed above or below the embossed number
- Check that the last four digits of the embossed card number appear on the receipt
‘So if you are handed an international card without Chip and PIN technology – don’t panic and definitely don’t turn the customer away!’ says John. ‘A little planning and training will mean that you make the most of international cardholders.’
For more information about special card services rates for members visit First Data Merchant Solutions.
First Data Europe Limited is authorised by the UK Financial Conduct Authority under the Payment Service Regulations 2009 for the provision of payment services (FCA register No. 582703).