For the OP, we had the same issue, but it was someone that was using a fake credit card, and we checked the drivers license, to make sure the name matched the card, and everything, and a month later we were charged back and after we spoke with our the company that handles our visa/mc machines and visa themselves, they more or less said that we cannot prove we had the card in our possession, in which it puts us on the hook for. We now don't accept any cards without a working chip/pin, as that is the only way to guarantee the safety of a retailer without any charge back costs.
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