Security features that the merchants are required to pay attention
|Review of the card
- On the front side of the card; Visa, MasterCard logo must be present if it is a credit card; and Visa Electron, Electron or Maestro logos must be present if it is a bank card (debit card). To see the features of the credit cards with Visa and MasterCard logo, please click here.
- There should be a four digit number printed directly above or below the card number which must be identical with the first four digits of the card number.
- The expiration date of the card must be present beneath the card number as month and year; and the transaction date should fall prior to the card’s expiration date.
- The customer signature must be present on the signature panel on the back of the card.
- The last four digits of the card number must be printed inside the signature panel and there must be a three-digit number also next to this number.
|Processing the transaction
- Ask the card holder to present an identity card bearing a photograph and verify whether the card belongs to the actual holder of that card.
- Do never split the sales amount.
- Do never allow the customer to interfere the POS machine.
- If a card bearing Visa Electron, Electron or Maestro logo is presented; ask the customer to enter his/her pin number into the POS machine (the PIN number must definitely be entered by the customer in person).
- Always check that the card number and the expiration date on the Sales /Credit Slip absolutely match the card number and the expiration date on the front side of the card.
- Pay attention to the abbreviations on the Sales/Credit Slip which signify the card type. If the card presented is different than the one given in the abbreviations, call your Bank before concluding the transaction. For the information about the abbreviations, please click here.
- Always read the messages on the POS machine.
- If it is a magnetic stripe transaction, do not forget to get the signature of the card holder on the sales slip.
- Pay special attention that the signature on the Sales Slip matches with the signature on the signature panel on the back of the card.
- Do not give the card back to the card holder until the Sales Slip is signed and the merchant’s copy is returned to you.
- Do never allow the card holder to make you conduct the transaction in hurry.
- Do never allow the card holder to interfere the POS machine.
- Be suspicious of any customer who has muliple cards on his/her hand and conduct transactions at higher amounts.
- Do not allow the customers who insist to conduct a magnetic stripe transaction with a chip card.
- Try to maintain the orginal slip documents always in a dry and dark atmosphere.
- Besides comparing the name on the card with an ID card bearing a photograph; the name on the sales slip must also be checked according to this information.
- Other necessary control processes must also be applied to the customers who wish to conduct transaction with a foreign card; however; if the appearance, accent or any
distinctive feature of the customer looks suspicious, then do never conduct any transaction. (For instance: getting suspicious about a black person who claims to be Hiroshi Sakura; or the transaction is conducted by people who claim to be a translator whereby the card holder does not get involved in the transaction, etc.)
- Be suspicious of any customer who does not know his/her card limit or who insistently decreases the transaction amount to utilize the maximum available amount in spite of continuous insufficient balance warning.
|Contacting Bank Authorization Service
For each of the following situations, you should call the Bank Authorization Service and act according to the given instructions:
- Presentation of a credit card which was expired,
- Presentation of a card bearing an unsigned signature panel,
- When “Call Your Bank” message prompts on the POS machine,
- Although the card is defined as a foreign card on the sales slip, a local bank name is printed on the card.
If you're suspicious of a card or cardholder at any time during a transaction authorization process, you must make a CODE 10 authorization request to the Bank’s Authorization Service.
POS Support: 444 0 832
Authorization (Provision): (0216) 635 65 20
|Retaining the card
For each of the following situations, the card must be seized and the Bank Authorization Service must be informed accordingy;
- When “Retain the Card” message prompts on the POS machine,
- If the four-digits number is not printed above or below the card number and/or if this number does not match the first four digits of the card number,
- If the first or last four-digits on the front side of the card are different than the first or last four digits on the sales slip,
- If the Bank’s Authorization Service instructs to “Retain the Card”.
If the card holder objects and refuses to hand over the card, do never get into a physical discussion and immediately inform the Bank’s Authorization Service about the situation.
Important Warning: Do never forget to control the ID cards of the repair and service people of the POS machines.
Code 10: “Code 10” is a special security application that is available should you become suspicious at any time during a transaction. When the company representative faces with a suspicious situation during the transaction, he/she contacts with TEB Authorization Service by dialing 0216 635 65 20 and requests a “Code 10” authorization without alerting the customer. When the authorization officer gets this request, he/she will ask a serious of questions to the company representative to be answered by a simple “Yes” or “No”. During this process, the company representative should keep the card in question in his/her hand; he/she should stay calm and avoid acts and statements alarming the customer who presented the card. If the authorization officer detects any suspicious activity on the card, he/she will instruct you not to conduct the transaction and retain the card. The card should be retained unless the retention process can be carried out smoothly and without causing any damage.