Visa offers a variety of materials to support your fraud prevention, security and risk management efforts. Learn the steps to ensure the legitimacy of every Visa card, cardholder, and transaction.
Accepting with card present
If you accept cards in person, there are steps you need to take.
Swipe the card through a magnetic card reader, insert the card into a chip-reading device, or wave the card in front of a Visa payWave contactless payment terminal to request the transaction authorization.
Note: Many Visa cards have a chip that communicates information to a point-of-sale terminal with a chip-reading device. If a chip-reading device is available, preference must always be given to chip card processing before attempting to swipe the magnetic-stripe. The card should remain in the terminal until the transaction is complete.
While the transaction is being processed, check the card’s unique design features and security elements, if possible. Make sure the card is valid and has not been altered in any way.
Obtain authorization and, if required, get the cardholder signature on the transaction receipt.
Adhere to your merchant store procedures and respond accordingly.
Compare the name, last four digits of the account number, and signature on the card to those on the transaction receipt.
Accepting with card absent
Take extra precautions when you can’t see the customers’ card. Not all Visa’s card security elements apply to these transactions.