Each year,
millions of Rands are lost due to fraudulent use of charge and credit cards.
Reduce the risk of your business being victimised by following these basic
guidelines of card acceptance and authorisations.
Reducing fraud on face-to-face charge requests
The American Express® Card must be presented for all in-person
charge requests
If you have electronic Authorisation capabilities, always swipe the Card
through the Point of Sale device (POS)
Always compare the Card number on the front and back of the presented Card with
the account number on the printed receipt dispensed from your terminal or cash
register
Cardmember signature is required on the printed receipt for all face-to-face
transactions. The signature on the receipt must match the name on the front of
the Card and the signature on the back of the Card
An expiry date is required for all electronic or manual authorisation requests
American Express® Cards are non-transferable. Only the
Cardmember may use the Card
If you process Charge requests manually, or the magnetic stripe on the back of
the Card is unreadable, follow these steps:
Phone for authorisation
On the POS device, key in the transaction value, Card details including expiry
date as well as the authorisation code
Obtain an imprint of the Card on a voucher
Ask the Cardmember to sign the sales voucher and compare the signature with
that on the back of the card Reducing fraud on mail order, telephone order and
internet charge request
Reducing fraud on mail order, telephone order and Internet Charge requests
Obtain and submit an authorisation approval code for every mail order,
telephone order, or Internet transaction, regardless of amount through on (011)
710-4808 or 0860 321 555
Your business is responsible for ensuring delivery to the appropriate customer
billing address and for obtaining "signed proof" of delivery to the
Cardmember's billing address. Ensure that your business uses a freight or
delivery service that does not permit re-routes of deliveries and requires
customer signature
Designate "Mail Order," "Telephone Order" or
"Internet" on the signature line of the Record of Charge
Your business should only conduct transactions on the Internet using browser
software that supports industry standard encryption protocols such as those
offered by Netscape® or Microsoft®.
To ensure higher levels of risk protection and service quality, always
establish and use a separate Merchant account number for your mail order,
telephone order and Internet Charge requests
If the Cardmember picks up the merchandise from you, standard acceptance
procedures for in-person purchases must be followed
*Hot card file means an electronic file download of those cards
which have been rendered invalid due to loss or theft
Apply here to welcome American Express and discover the benefits our Cards could bring to your business.
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