CDS RISK MANAGEMENT

You need to have a signed credit card authorization form with cardholder's name, billing address and contact number for the card being used. (Please have the customer code as well as for business/corporate card)

• It can be used to be considered as proof for to resolve chargeback or risk issue but it is not guaranteed document that you could win for chargebacks or pre-arbitration case.
• Once you completed the transaction, you will need to store it securely such as lockbox or shred it basis on PCI regulation.
• It is better to have your own credit card authorization form under your legal name and/or DBA.

• Approved: Card issuer approves the transaction. This is the most common response.
• Declined or Card Not Accepted: Card issuer does not approve the transaction. The transaction should not be completed.
• Call, Call Center or Referrals: Card issuer needs more information before approving the sale. You should cal your authorization center and follow whatever instructions you are given.
• Pick Up: Card issuer wants to recover the card. Do not complete the transaction.

If you're suspicious of a card or cardholder at anytime during a transaction authorization process, you will need to make Code 10. Code 10 authorization request alerts the card issuer to the suspicious activity without alerting the customer

1. Ask the customer for card number, name and billing address for the card being used.
2. Call your voice authorization center and say 'I have a Code 10 authorization request'.
3. When connected to the special operator, answer all questions calmly.
4. If all the information matches, you will have an Authorization Code. Otherwise, do not continue the sale and request another payment option.

*Although Code 10 is preventive measure, Code 10 does not guarantee that a transaction will not be disputed later.

To help reduce fraud for 'Card Absent Transactions', the major credit card companies implemented authentication system to ascertain if the credit card used in a transaction is actually in the possession of the owner. If CVV2/CVC2/CMID/CID does not match, the number given could be stolen and/or counterfeit card. You may need to request another form of payment.