While checking card security features, you should also make sure that the card is signed . An unsigned card is considered invalid and should not be accepted . If a customer gives you an unsigned card, the following steps must be taken:
Check the cardholders ID . Ask the cardholder for some form of official government identification, such as a drivers license or passport . Where permissible by law, the ID serial number and expiration date should be written on the sales receipt before you complete the transaction .
Ask the customer to sign the card . The card should be signed within your full view, and the signature checked against the customers signature on the ID . A refusal to sign means the card is still invalid and cannot be accepted . Ask the customer for another signed Visa card .
Compare the signature on the card to the signature on the ID .
If the cardholder refuses to sign the card, and you accept it, you may end up with financial liability for the transaction should the cardholder later dispute the charge .
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 dont 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 signaturesthey may even have access to counterfeit identification with a signature in their own handwriting.
See ID or Ask for ID is not a valid substitute for a signature . The customer must sign the card in your presence, as stated above .
When should you ask a cardholder for an official government ID? although Visa rules do not preclude merchants from asking for cardholder ID, merchants cannot make an ID a condition of acceptance . Therefore, merchants cannot refuse to complete a purchase transaction because a cardholder refuses to provide ID . Visa believes merchants should not ask for ID as part of their regular card acceptance procedures . Laws in several states also make it illegal for merchants to write a cardholders personal information, such as an address or phone number, on a sales receipt.