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Can a retailer ask for my ID when i use my credit card?


As a POS Expert, CISP, PCI DSS Compliance advisor, Visa ACS/AVP, i get ask by friends and family, “Can a retailer ask for my ID when i use my credit card? “, and i get ask for my ID when i use my credit card?  simple answer is NO!  for a more detailed look at the ins and outs..see below.

 

. If your credit card is signed on the back, then there is no requirement for you to show an ID but if is not signed on the back, then yes, the merchant may request to see some other form of ID,”
All the networks allow a merchant to ask for identification. MasterCard and Visa, however, explicitly prohibit retailers from requiring an ID to accept a properly signed card. “They can ask for that ID, but you can refuse to show the ID and they still must take the card,” says Paul Stephens, director of policy and advocacy at the Privacy Rights Clearinghouse, a nonprofit that advocates for consumer privacy rights.
Visa and MasterCard rules prohibit the acceptance of unsigned cards. If you present one, the merchant must ask you to sign the card and supply an ID. Visa guidelines specify that it must be an official government ID.

Discover’s policies are more intrusive. They state that a store employee who has doubts about the validity of a card should “request and review additional identification” from the customer. And for an unsigned card, the company requires two pieces of identification, including one government-issued photo ID.
American Express is more vague. It requires merchants to “verify that the customer is the card member,” but its rules make no direct mention of requiring an ID. “American Express doesn’t really have a policy on it,” says Linda Sherry, director of national priorities for Consumer Action. “If the merchant wants to ask for an ID, that’s fine.”
 

Some customers write “See ID” or “Ask for ID” in the signature panel, thinking
that this is a deterrent against fraud or forgery; that is, if their signature is not on
the card, a fraudster will not be able to forge it. In reality, criminals often don’t
take the time to practice signatures. They use cards as quickly as possible after a
theft and prior to the accounts being blocked. They are actually counting on you
not to look at the back of the card and compare signatures; they may even have
access to counterfeit identification with a signature in their own handwriting.
In this situation, follow recommended steps listed above under Unsigned Cards

When should you ask a cardholder for an official government ID? Although Visa
rules do not preclude merchants from asking for cardholder ID except in the
specific circumstances discussed in this guide, merchants cannot make an ID
a condition of acceptance. Therefore, merchants cannot as part of their regular
card acceptance procedures refuse to complete a purchase transaction because
a cardholder refuses to provide ID. It is important that merchants understand
that the requesting of a cardholder ID does not change the merchant’s liability
for chargebacks. However, it can slow down a sale and annoy the customer. In
some cases, it may even deter the use of the Visa card and result in the loss of
a potential sale. Visa believes merchants should not ask for ID as part of their
regular card acceptance procedures. Laws in several countries also make it
illegal for merchants to write a cardholder’s personal information, such as an
address or phone number, on a sales receipt.
If you are suspicious about the transaction or feel you need additional
information to ensure the identity of the cardholder, make a Code 10 call.

some states have laws against a cashier from saving your ID information, the card networks — Visa, MasterCard etc. —  say  whether merchants can ask for identification. The agreements that merchants must sign when they agree to accept cards include rules that govern card verification procedures.
http://usa.visa.com/download/merchants/card-acceptance-guidelines-for-visa-merchants.pdf
your next card will look like this 

 

 

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Microsoft Store

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