Quote:
Originally Posted by Sliver
I'm a merchant with a point of sale machine that you have to insert your card then enter your pin. If you forget your pin, however, I just have to punch in your card number manually and it works just as well. That's how I take orders over the phone or my website, too. Pins are jokes and a waste of time... I'm going to ask my provider about this tap thing as it sounds way better.
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I went to an info session done by Visa on card security a few years ago and, if I remember right, if you manually enter a card number during an in-person transaction you have no recourse at all in the event of a charge back. The US Visa website says it's fine if you get an imprint of the card using an actual imprint machine (not a pen or whatever like some merchants do), so it's probably the same in Canada.
"If, for any reason, you must key-enter a transaction to complete a card-present sale, make an imprint of the front of the card on the sales receipt, using a manual imprinter. Do not capture an impression of the card using a pencil, crayon, or other writing instrument. This process does not constitute a valid imprint . Even if the transaction is authorized and the receipt is signed, the transaction may be charged back to you if fraud occurs and the receipt does not have an imprint of the embossed account number and expiration date. This applies to all card-present transactions, including key-entry situations where the card presented is chip and the terminal is chip-enabled. When a merchant key-enters a transaction, an imprint is required regardless of the type of card and terminal capability."