Dicover Card actually distributes Operational Regulations to Merchants
At
The Barking Lamb we received a new set of Op Regs, MSA, and Dispute Rules in the mail from Discover last evening . I have to give them credit - this is more than we EVER got from Visa or MC. Everything was on a CD, including 49 pages of Op Regs. There was a cover letter included which bullet listed the main changes in the Op Regs.Now, here’s the part which will probably have us refusing Discover cards by the end of tomorrow. Note this is listed as a change…
If you are unable to capture the required Card data electronically using the POS Device and you must hand key (’Äúkey enter’Äù or ’Äúforce enter’Äù) the Card information into the POS Device, you must obtain a clear imprint of the Card on the Transaction Receipt.”
Remember, we hand key every Internet sale into our POS terminal after full manual fraud checks, so for us, Internet sales must have an imprint of the card. Yes, that’s what they said.OK, you say, they don’t really mean that. That’s what I thought when I read the bullet list of changes. So I popped in the CD and read the appropriate section. No exception for CNP transactions is listed. Do you think they assume CNP is excepted for the obvious reasons? Sorry, I assume nothing in a set of Op Regs and neither should you.To take it a bit further…They tell me that if I do CNP I MUST get AVS or they’ll charge a Submission Error Fee. OK, I can live with that even if I don’t know what it is. In the course, Prevent E-Commerce Chargebacks I recommend always doing AVS.I suppose all this happens when the marketing guys and the legal guys get together. Nothing makes sense.
