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Morticia

Morticia

Well-known member
Joined
May 22, 2008
Messages
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We have two different square readers. One does chip and tap. One does chip and swipe.
Guest's card was in such rough shape neither chip reader worked, had to swipe. Tried to chip and dip so many times Square finally gave up and said to swipe.
 
Sorry, I wouldn't take the card if the chip doesn't work. That is how they get around the stolen cards with chips... put it on a card and break the chip, so it has to go to swipe. I would do a Code 10 at that point and require them to do voice ID with their bank to accept the charge.
Seriously... that's a MAJOR red flag.
 
Might be a major red flag in a large city frequently visited by international travelers, but here in the midwest US, during the 7 yrs I've been innkeeping, I've never had a problem with a stolen card. I've received tons of email scams with stolen cards, but never one presented in person. I've had guests who don't even bother to sign their cards & I warn them of the dangers, but I still accept the card.
 
notAgrandma said:
Might be a major red flag in a large city frequently visited by international travelers, but here in the midwest US, during the 7 yrs I've been innkeeping, I've never had a problem with a stolen card. I've received tons of email scams with stolen cards, but never one presented in person. I've had guests who don't even bother to sign their cards & I warn them of the dangers, but I still accept the card..
Click to expand...
The CC processors around here warned us about the scam. They know they can't get away with a chip card, so they intentionally break the card so it has to go to swipe. At that point, we are supposed to call in a verification. And this way, the bank has a warning to replace the card.
 
notAgrandma said:
Might be a major red flag in a large city frequently visited by international travelers, but here in the midwest US, during the 7 yrs I've been innkeeping, I've never had a problem with a stolen card. I've received tons of email scams with stolen cards, but never one presented in person. I've had guests who don't even bother to sign their cards & I warn them of the dangers, but I still accept the card..
Click to expand...
Same here. It only seems to be US visitors who don't sign their cards.
 
Highlands John said:
notAgrandma said:
Might be a major red flag in a large city frequently visited by international travelers, but here in the midwest US, during the 7 yrs I've been innkeeping, I've never had a problem with a stolen card. I've received tons of email scams with stolen cards, but never one presented in person. I've had guests who don't even bother to sign their cards & I warn them of the dangers, but I still accept the card..
Click to expand...
Same here. It only seems to be US visitors who don't sign their cards.
.
Click to expand...
I don't even look any longer. Signing the receipt is no longer required so what difference does it make if the card is signed?
I hand them the square reader, they insert card and remove on beep.
The only place I've been recently that even looks at your credit card is the post office. Nowhere, except restaurants, even handle the card.
 
Generic said:
notAgrandma said:
Might be a major red flag in a large city frequently visited by international travelers, but here in the midwest US, during the 7 yrs I've been innkeeping, I've never had a problem with a stolen card. I've received tons of email scams with stolen cards, but never one presented in person. I've had guests who don't even bother to sign their cards & I warn them of the dangers, but I still accept the card..
Click to expand...
The CC processors around here warned us about the scam. They know they can't get away with a chip card, so they intentionally break the card so it has to go to swipe. At that point, we are supposed to call in a verification. And this way, the bank has a warning to replace the card.
.
Click to expand...
Who do you call? The number on the card? I don't think I can call Square.
 
Morticia said:
Generic said:
notAgrandma said:
Might be a major red flag in a large city frequently visited by international travelers, but here in the midwest US, during the 7 yrs I've been innkeeping, I've never had a problem with a stolen card. I've received tons of email scams with stolen cards, but never one presented in person. I've had guests who don't even bother to sign their cards & I warn them of the dangers, but I still accept the card..
Click to expand...
The CC processors around here warned us about the scam. They know they can't get away with a chip card, so they intentionally break the card so it has to go to swipe. At that point, we are supposed to call in a verification. And this way, the bank has a warning to replace the card.
.
Click to expand...
Who do you call? The number on the card? I don't think I can call Square.
.
Click to expand...
One of the down sides of Square... no authorization number for suspected fraud. But I think they don't hold you liable for the first $250 of a chargeback. I've actually looked up on the BIN list and called their bank directly and asked for the security department, explaining that I'm a merchant and the chip isn't working, so I wanted a voice-verify, since the customer is there with you.
 
Generic said:
Morticia said:
Generic said:
notAgrandma said:
Might be a major red flag in a large city frequently visited by international travelers, but here in the midwest US, during the 7 yrs I've been innkeeping, I've never had a problem with a stolen card. I've received tons of email scams with stolen cards, but never one presented in person. I've had guests who don't even bother to sign their cards & I warn them of the dangers, but I still accept the card..
Click to expand...
The CC processors around here warned us about the scam. They know they can't get away with a chip card, so they intentionally break the card so it has to go to swipe. At that point, we are supposed to call in a verification. And this way, the bank has a warning to replace the card.
.
Click to expand...
Who do you call? The number on the card? I don't think I can call Square.
.
Click to expand...
One of the down sides of Square... no authorization number for suspected fraud. But I think they don't hold you liable for the first $250 of a chargeback. I've actually looked up on the BIN list and called their bank directly and asked for the security department, explaining that I'm a merchant and the chip isn't working, so I wanted a voice-verify, since the customer is there with you.
.
Click to expand...
There is an auth number on the receipt. Do you mean a phone number for auth? Right. That I don't have!
 
Morticia said:
Generic said:
Morticia said:
Generic said:
notAgrandma said:
Might be a major red flag in a large city frequently visited by international travelers, but here in the midwest US, during the 7 yrs I've been innkeeping, I've never had a problem with a stolen card. I've received tons of email scams with stolen cards, but never one presented in person. I've had guests who don't even bother to sign their cards & I warn them of the dangers, but I still accept the card..
Click to expand...
The CC processors around here warned us about the scam. They know they can't get away with a chip card, so they intentionally break the card so it has to go to swipe. At that point, we are supposed to call in a verification. And this way, the bank has a warning to replace the card.
.
Click to expand...
Who do you call? The number on the card? I don't think I can call Square.
.
Click to expand...
One of the down sides of Square... no authorization number for suspected fraud. But I think they don't hold you liable for the first $250 of a chargeback. I've actually looked up on the BIN list and called their bank directly and asked for the security department, explaining that I'm a merchant and the chip isn't working, so I wanted a voice-verify, since the customer is there with you.
.
Click to expand...
There is an auth number on the receipt. Do you mean a phone number for auth? Right. That I don't have!
.
Click to expand...
Yeah, Square doesn't have an authorization number. So, you can't call in a code 10. Wonder what you are supposed to do? It's a safeguard number in case you are suspicious of illegal activity.
 

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