Originally Posted by
Rocket1k78
That sucks to hear Bob.
FYI Even with a chip and pin you're not 100% protected, i had some guy try to buy stuff at my place and it was kind of an odd interaction with the guy so i was on guard the whole time. When it came time to pay i handed him my terminal and i heard multiple beeps, way more than 4 so i asked him what he was doing. He said his card was messed up and he had to do something different so i asked for the machine back and said he'd have to call the bank to clear it up because all i could do was allow him to enter his pin. He said he would come back but i just figured i dodged a scam. I called my provider just to see what i could do on my end to cover my butt on deals like this and thats when they told me the only way they will 100% guarantee a transaction is by an address verification with the card holder in store. Even if the card is in store and they entered the pin i could still be out the money if it was disputed. Could you imagine asking a customer to verify himself with his bank on a purchase, i might as well tell him to fuck off because i dont trust him.
we've had this happen my workplace as well. shifty person comes to the counter and asks to buy something high dollar. Pays with a credit card but it seems weird.
I'm pretty sure i figured out what they were doing.
they take the card machine and insert the card, but not all the way in so that the card registers and they manually enter another card number from memory or from their phone, and process it that way. the credit card company thinks you processed it manually, you think the customer just punched in a long-ass PIN. a month later, you get the charge-back from MC or VISA.
we were taken for almost $2000 last year.
our card machine now requires a managers username and password to process all manual card entries.
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