Life lesson - In case you're not aware

Francesca Knowles wrote:

FormerBoater wrote:

It is against both Visa and MC rules unless requested by the Cardholder. To effect this the Cardholder simply writes on the signature panel to check the identification of the user.

If a merchant requests a valid ID to honor the card as a method of payment, the Cardholder has the right to complain to Visa or MC.

Visa or MC will contact the merchant's Acquirer with the complaint. The Acquirer must investigate and notify the merchant that this is in violation of Visa or MC rules (which the merchant is contractually bound to obey).

If the merchant does not cease and decest, card acceptance privileges can be revoked by either V or MC.

Untrue, at least for Mastercard, where requesting identification is in fact required for any face-to-face transaction unless activated by a PIN. Here quoting from page 3-2 in the latest Mastercard Merchant Guide:

Mastercard wrote:

When a MasterCard Card is presented, the Merchant representative must take the following steps to determine the validity of the Card.

..........snip.........
7. For face-to-face unique Transactions, request personal identification of the Cardholder in the form of an unexpired, official government document (for example, a passport, identification document, or driver’s license) that bears the Cardholder’s signature, the Cardholder’s photograph, or both. Compare the signature, if present, on the personal identification with the signature onthe Card. Compare the photograph, if present, with the person presenting the Card. Record the personal identification on the Transaction receipt.

Source: MC Transaction Processing rules, May 2014