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To any of you that work in a place that accepts credit cards as payment, please know that you may NOT ask for identification if you are presented with a valid (signed) credit card. It goes against your Merchant Agreement with the credit card issuers. Thank you. 
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This is some what along the same lines, Has anybody noticed in some of the Wal-Marts & others stores they visit, when things go on sale for 50% off like the day after Christmas, the computers also break down and wont accept gift cards ?...This happens alot to a couple stores close buy, We even predicted it yesterday at one store, Now I'm sure they give the customer a voucher or something for later, but it just seems like when there's big sales gift cards dont work. 
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#gmstrong #gmlapdance
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I never really got the whole gift card thing.
It's the same thing as giving money ......... but you can only spend it in one place. "But it's not as impersonal as giving cash". Bull ...... show me the money an let me decide where to spend it. lol
I could see gift vards if there was some incentive attached ...... like an extra 5% in value ... or another premium ..... but the way most are sold ... they are just restricted money .... that expires ...... and often never get fully used up. I think I have an Outback card around here somewhere with something like 83 cents on it. Outback makes out on that because I'll probably never remember to take the damn thing in for "only" 83 cents. Of course ..... add together several thousand similar cards .... and the company really makes out.
Micah 6:8; He has shown you, O mortal, what is good. And what does the Lord require of you? To act justly and to love mercy, and to walk humbly with your God.
John 14:19 Jesus said: Because I live, you also will live.
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I think a law was passed last year, making stores remove experation dates on gift cards, I dont know the whole thing, but I do believe gift cards dont expire anymore...
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Legend
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We gave my niece a gift card for some womans beauty supply store in the mall, mainly because if we give her a Visa gift card or cash, she will go spend it on groceries that her lazy boyfriend will eat while she's at 1 of her 2 jobs. So we focused on something she could only use for herself.  My stepson too, I gave him a Best Buy card, if I gave him cash he would blow it buying pizza for his moocher friends.
We don't have to agree with each other, to respect each others opinion.
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Quote:
My stepson too, I gave him a Best Buy card, if I gave him cash he would blow it buying pizza for his moocher friends.
But....the money would have been his gift, right? Who cares what he does with it (short of drugs or something, of course). We gave cash to the Nephews. I don't care what they do with it as long as they enjoy spending it.
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All Pro
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Only one in every five gift cards is used. Its free money for companies.
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Quote:
I never really got the whole gift card thing.
It's the same thing as giving money ......... but you can only spend it in one place. "
well yeah, if you buy someone a gift card for Kohls, they can only spend it a Kohls... But when I've given Gift Cards, I give the ones marked American Express or Visa... Then can be used anywhere..
But here's the real problem with Gift Cards.. When you buy the ones that are American Express or Visa,, you have to pay an activation fee.. for Amex, it's 4.95 per card..
That's a RIPOFF if I ever saw one..
And while we are on the subject of BANK ripoffs,,, Try this one.. why do they charge you 2.50 if you use an ATM from a bank other than your own?
I can understand .50 cents,, but 2.50... That's just stealing.. NO DOUBT about it. 
#GMSTRONG
“Everyone is entitled to his own opinion, but not to his own facts.”
Daniel Patrick Moynahan
"Alternative facts hurt us all. Think before you blindly believe."
Damanshot
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You guys should start a gift card thread. Hijackers.  To my original post, I have reported two merchants to MasterCard recently for asking for I.D. They will get a letter, but it probably won't change anything.
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j/c
Hmm.. I got a $25.00 gift card to Outback SteakHouse for Christmas.. I plan on ordering at least a $26.00 tab.. I've got no problem with paying the extra dollar and giving the waiter 5 or 6 bucks.
I think you just need to be selective about what cards you buy. The ones with activation fees are baloney.
SaintDawg™
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Sowwy.. Hijackers R Us 
SaintDawg™
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Quote:
Quote:
My stepson too, I gave him a Best Buy card, if I gave him cash he would blow it buying pizza for his moocher friends.
But....the money would have been his gift, right? Who cares what he does with it (short of drugs or something, of course). We gave cash to the Nephews. I don't care what they do with it as long as they enjoy spending it.
Because he doesn't do it because he wants to, he does it because he feels he has to. He just doesn't have the balls to tell them to buy their own damn pizzas.
He's the one with a condo, a job, and food and drink in his fridge. 2 of the 3 of his friends don't work, they sponge off their parents, and the other blows it buying new 24" rims for his rust bucket every 2 months.
They come to his house and eat and drink all his food and drink, and leave behind empty cans, dirty dishes and stuff. I've gotten on them about being moochers, and he said after I left, all they did was rag on him, then left a mess.
Couldn't believe a few days later he stopped by and 2 of them were with him, and they immediately wen to our fridge and grabbed a soda. I told them to leave me .50 for the soda and they laughed, I told them they could get the hell out of my house or learn to be more respectful.
We don't have to agree with each other, to respect each others opinion.
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Yeah, damn those people that want to make sure you are not using a stolen CC. I guess you will be annoyed until it happens to you.
“It doesn't make sense to hire smart people and tell them what to do; we hire smart people so they can tell us what to do.” -Steve Jobs.
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Legend
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I actually write "Please check ID" in magic marker on the back of my cards.
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Same here.. I took a sharpie and wrote CID on the backs of mine.
SaintDawg™
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Quote:
Yeah, damn those people that want to make sure you are not using a stolen CC.
I guess you will be annoyed until it happens to you.
There's a greater chance for ID theft by showing your license than anything else. And, showing an ID doesn't prove ANYTHING. Good fake IDs can be made in a matter of minutes. Regardless, it's against the merchants agreement with the CC compaines to ask for ID if given a valid card...what's hard to understand?
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Quote:
I actually write "Please check ID" in magic marker on the back of my cards.
Invalid card. And, same thing...anyone could fake an ID and how is that protecting you?
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Did you also know that a merchant cannot set a minimum purchase for using a card? I have seen at least 1 local merchant lose their credit card machine because of a sign stating "minimum $X purchase required to pay by credit card".
Micah 6:8; He has shown you, O mortal, what is good. And what does the Lord require of you? To act justly and to love mercy, and to walk humbly with your God.
John 14:19 Jesus said: Because I live, you also will live.
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Yes. One of our local watering holes requires a $10 minimum. Can't wait to call them on that one.
#gmstrong #gmlapdance
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By the time someone makes a fake ID with a name matching my card, I have canceled the card.
Most physical card thefts are for immediate use, and then discarded, unless the thief is stupid, cause then they just leave a trail, and each use increases the risk of being caught.
Now virtual theft, where they get your number, then make a mock card and reset the magnetic strip with your account code with their name on it, and use it for a few weeks until you notice strange charges.
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By the time someone makes a fake ID with a name matching my card, I have canceled the card.
Someone may not realize their card is missing right away. Still, you are violating your agreement with CC companies to not sign your card. Just FYI.
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What constitutes signing? I wrote on my card, signifying I accept the agreement, What if my name is "Check Meye Idee" 
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Quote:
Did you also know that a merchant cannot set a minimum purchase for using a card? I have seen at least 1 local merchant lose their credit card machine because of a sign stating "minimum $X purchase required to pay by credit card".
Really? I did not know this. I see it practically all the time.
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Quote:
To any of you that work in a place that accepts credit cards as payment, please know that you may NOT ask for identification if you are presented with a valid (signed) credit card. It goes against your Merchant Agreement with the credit card issuers.
Thank you.
Actually, it isn't against the merchant agreement. Maybe surprisingly to you, it's actually encouraged to check the credit card holders ID to verify ownership. I'm actually not supposed to accept any cards that are not signed, or have "See ID" written on the back of the card.
And as a business manager, I have the right to refuse service to anyone (as long as it isn't based on race, creed, religion ect..).
By asking to see a I.D. I am doing the cardholders a service by assuring that the person presenting the card is indeed the owner thus trying to prevent unauthorized purchases and identity theft. Also saving them the frustration of trying to rectify any fraudulent charges if they do happen to lose their card.
KeysDawg
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Quote:
Did you also know that a merchant cannot set a minimum purchase for using a card? I have seen at least 1 local merchant lose their credit card machine because of a sign stating "minimum $X purchase required to pay by credit card".
This varies by the merchant. There are a number of different credit card processing companies, and various merchants as well. Some do allow this practice, some do not. It depends on the company.
KeysDawg
The fact that some geniuses were laughed at does not imply that all who are laughed at are geniuses. - Carl Sagan
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Quote:
Actually, it isn't against the merchant agreement.
Yes, it really is. Read it.
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Maybe surprisingly to you, it's actually encouraged to check the credit card holders ID to verify ownership.
What's encouraged is to verify signatures. That means card to credit slip.
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I'm actually not supposed to accept any cards that are not signed, or have "See ID" written on the back of the card.
Correct, because they are not valid cards. That's why they say "not valid unless signed" or something like that. Also, folks that write See ID are usually held responsible for theft of the card as they violated their terms of service with Visa/MC/whomever.
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And as a business manager, I have the right to refuse service to anyone (as long as it isn't based on race, creed, religion ect..).
You do not have the right to deny service for a consumer who presents a valid credit card but refuses to show identification.
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By asking to see a I.D. I am doing the cardholders a service by assuring that the person presenting the card is indeed the owner thus trying to prevent unauthorized purchases and identity theft. Also saving them the frustration of trying to rectify any fraudulent charges if they do happen to lose their card.
Wrong. It is not YOUR job to protect me, or anyone else, from using my card. If my receipt signature matches my card, your job is done. Seriously...you think this is all bunk, but it's not. Check it out sometime.
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Quote:
Quote:
Did you also know that a merchant cannot set a minimum purchase for using a card? I have seen at least 1 local merchant lose their credit card machine because of a sign stating "minimum $X purchase required to pay by credit card".
This varies by the merchant. There are a number of different credit card processing companies, and various merchants as well. Some do allow this practice, some do not. It depends on the company.
Visa and Mastercard do not allow minimum purchase requirements.
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We don't have to agree with each other, to respect each others opinion.
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I have checked it out. I'm sitting at the office with a copy of my Merchant service agreement. It is not against the merchant agreement to refuse a card if someone does not show proper ID. If a customer comes in and hands me a credit card, I personally prefer the ones with the photo on it, as I don't have to worry or ask for it, but if it does not have that, then I will ask for a photo ID. Driver's license is good for any American, Passports will work for anyone from overseas.
As for it not being my job to protect you, that may be correct to a point. But I am also protecting my business from the fraudulent charges as well. While the Customer may not be responsible for the charge if it is proven to be fraudulent, the business is the one that loses the money on top of the processing fees.
KeysDawg
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I just read it, looks like Michelle is right....you can't refuse a card if the customer won't show ID.
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I still go by the fact that I have to call when my card arrives to activate it, as binding into the contractual agreement, since no snot faced high school punk checks the signature on my card to the signature on my receipt.
And trust me, for the years I did use Check ID on my cards, I'd say 1 in 10 actually ever asked. I just found it amusing.
If you want protection, then register for your credit cards online features, and check your activity regularly, or if available sign up for email functions, where you are sent emails when purchases are made over a set dollar amount.
Oh and don't use debit cards in places like restaurants where servers take your card to be processed. Debit cards don't have the same consumer protections that credit cards have, even the ones that say they are Visa or MC debit cards.
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And just to help you out...here is Visa's merchant agreement. Check out page 29.... http://usa.visa.com/download/merchants/rules_for_visa_merchants.pdf
Very helpful. Here is a link for you also,
Shorter link, cause this one was too long.
That is where Visa actually asks you to verify by seeing a government issued ID if it is not signed or has "See ID" on the back. I will look further to find more.
KeysDawg
The fact that some geniuses were laughed at does not imply that all who are laughed at are geniuses. - Carl Sagan
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I still go by the fact that I have to call when my card arrives to activate it, as binding into the contractual agreement, since no snot faced high school punk checks the signature on my card to the signature on my receipt.
Have you ever read the terms of service booklet you get with a new card? Or even the blip on the back about not being valid unless signed? If the merchant doesn't check signatures, that's on THEM, not you. If you don't sign your card and someone steals it and signs it, that's on YOU.
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And trust me, for the years I did use Check ID on my cards, I'd say 1 in 10 actually ever asked. I just found it amusing.
I used to do this as well. I rarely got asked for ID, either. Now I know better, though, as I do not want to be held liable for a stolen card and the charges the theif runs up.
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If you want protection, then register for your credit cards online features, and check your activity regularly, or if available sign up for email functions, where you are sent emails when purchases are made over a set dollar amount.
Always good to do. I check mine every few days and have the emails set to be sent when my balances reach $25.00 over my ACTUAL balances.
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Oh and don't use debit cards in places like restaurants where servers take your card to be processed. Debit cards don't have the same consumer protections that credit cards have, even the ones that say they are Visa or MC debit cards.
See, you get it all except the signing bit. 
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That is where Visa actually asks you to verify by seeing a government issued ID if it is not signed or has "See ID" on the back. I will look further to find more.
I know that's allowed. But if I hand you a signed credit card, you may not refuse service if I refuse to show you ID.
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Actually, all my current cards have my signature.... Well, if you can call my scribble in that tiny little box they give you a signature? Whenever I sign papers with my wife, she asks who's name I'm signing, because not one letter looks like any on my name
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Quote:
Quote:
Did you also know that a merchant cannot set a minimum purchase for using a card? I have seen at least 1 local merchant lose their credit card machine because of a sign stating "minimum $X purchase required to pay by credit card".
Really? I did not know this. I see it practically all the time.
Bottom of page 9. http://usa.visa.com/download/merchants/rules_for_visa_merchants.pdf
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I just read it, looks like Michelle is right....you can't refuse a card if the customer won't show ID.
If I have any reason to believe that the cardholder is not the owner of the card, I can refuse that transaction. They can either pay cash or by showing me a ID.
Excerpt from page 29 as requested....
"although Visa rules do not preclude merchants from asking for cardholder ID, merchants cannot make an ID a condition of acceptance ."
While I cannot refuse for not showing ID, It is not against the rules for me to ask either.
KeysDawg
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If I have any reason to believe that the cardholder is not the owner of the card, I can refuse that transaction. They can either pay cash or by showing me a ID.
If you are given a SIGNED card, and that signature matches the receipt signature, you can't refuse. You can call in a Code 10, but you can't refuse the transaction just because you don't think I'm me.
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While I cannot refuse for not showing ID, It is not against the rules for me to ask either.
This contradicts what you said above. And, sure, you may ask, but customers don't have to show it to you. Why is this so confusing?
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