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Thread: VISA now has an online merchant violation report form

  1. #1
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    VISA now has an online merchant violation report form

    https://usa.visa.com/checkoutfees/contact.jsp

    It's a little ambiguous over whether ther merchant may require ID - however, i thik it fare to say a refusal to accept the card is a refusal to accept the card!

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    Nice! Especially now that I've switched from Mastercard to Visa.
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    Huh, wonder what would happen if I report the State Of Idaho Motor Vehicle Department for adding 3% on every cred card transaction?

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    Reply from VISA

    Thank you for contacting Visa. We value your business and appreciate your writing to clarify merchant practices.

    Visa has certain regulations that all merchants which accept Visa cards must follow. Visa merchants are not permitted to:

    Minimum/Maximum – Debit
    Visa merchants in the U.S. are not permitted to establish minimum or maximum transaction amounts on debit card transactions, even on sale items.

    Minimum/Maximum – Credit
    A new U.S. law (effective July 21, 2010) has gone into effect, which now allows retailers to establish a minimum purchase amount on credit card transactions. The minimum purchase amount must not exceed $10. This minimum purchase amount does not apply to transactions made with a debit card.

    Visa merchants are not permitted to establish maximum transaction amounts on credit card transactions. However, some government agencies and institutions of higher education may establish a maximum purchase requirement on a credit card transaction.

    Dishonored Check
    Visa merchants in the U.S. are not permitted to submit a Visa sales draft for a dishonored check.

    Check Out Fees (Surcharges)
    In general, Visa merchants in the U.S. are not permitted to pass on the merchant's transaction fee to the cardholder as a Visa "service charge," "service fee," or surcharge," even on sale items. A merchant may offer a discount for cash, check, and, effective July 21, 2010, debit, credit or prepaid. However, the cardholder must be made aware of this prior to entering into the transaction.

    No Amount on Sales Draft
    Visa merchants in the U.S. are not permitted to require a Visa cardholder to sign a sales draft that does not have a specific amount indicated.

    Supplemental ID or Information
    U.S. merchants may not refuse to honor a Visa card simply because the cardholder refuses a request for supplementary information or Identification.

    In addition, Visa International Operating Regulations are now available on the visa.com website. For your convenience, here is the link:
    http://corporate.visa.com/about-visa...ulations.shtml

    Please notify the disputes area of the financial institution that issued your card of any merchant practices that you feel are inappropriate. Your card issuing bank has access to the appropriate Visa rules and regulations as well as to the Visa complaint forms, which should be used by your bank to document and file merchant complaints. It is not necessary for your bank to be the offending merchant's financial institution in order to file a complaint for you.

    As an alternative, to report merchant practices that you feel are inappropriate, you may wish to contact the Visa Global Customer Care Services at 1-800-VISA-911 (1-800-847-2911) or go to our website at www.visa.com. When calling, please advise the representative that you were referred to file a complaint. The staff will be able to initiate a complaint form over the phone.

    We hope this information proves helpful and thank you for writing.

    Visa Webmaster
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    So funny. I was in a Ihop the other day and when I got up to the register to pay I noticed signs stating that they require ID for all credit/debit transactions. I refused to show ID and they had a fit. I told them Visa policy and they told me that they had special permission from Visa to require ID for card transactions. I called them on it and told them either you take my card without ID or you don't get paid for my meal. Unfortunately I ended up paying for my meal.
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    Quote Originally Posted by Beau View Post
    So funny. I was in a Ihop the other day and when I got up to the register to pay I noticed signs stating that they require ID for all credit/debit transactions. I refused to show ID and they had a fit. I told them Visa policy and they told me that they had special permission from Visa to require ID for card transactions. I called them on it and told them either you take my card without ID or you don't get paid for my meal. Unfortunately I ended up paying for my meal.
    Now you can just tell them you are illegal and the meal will be free.
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    Campaign Veteran gogodawgs's Avatar
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    Quote Originally Posted by Mike View Post
    https://usa.visa.com/checkoutfees/contact.jsp

    It's a little ambiguous over whether ther merchant may require ID - however, i thik it fare to say a refusal to accept the card is a refusal to accept the card!
    I have worked in management in retail for 20+ years and have followed this for all of those years.

    If your card is signed and the signature matches then the merchant may not ask for ID. If the signature is worn off then the merchant may ask for ID.
    If you wrote "CID" or "See ID" or some other variation on your card then you have invalidated your card and the merchant may refuse to take the card.

    I always sign my card and when it get's worn call my bank and ask for a replacement. I never show ID with my card. I have had lot's of conversations with cashier's about this (including Cabela's and other national chains) and they swear they are correct. I tell them call the store manager and we will call VISA together and I will wait. (Thus stalling that register). They all back off...
    Live Free or Die!

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    Regular Member 1245A Defender's Avatar
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    Well,,,

    I,, understand that the Card is meant to be a "bearer instrument", but...
    Many merchants will accept a card, from an obviouse thug/theif,
    that is buying cartons of smokes, cans of DEW and sticks of jerkey,
    with a card he probably just stole from a church lady, named ginger molsby!

    I have two cards, they have 10,000 and 20,000$ limits,
    I only use them for major purchaces, last time, was this very computor, about 3 years ago.

    When the clerk asks me for pic ID.... I show it... then I thank them for being carefull..
    When they check the extra ID, they are protecting my credit from fraud,,, I like that.
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    Regular Member MKEgal's Avatar
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    Quote Originally Posted by carracer
    Huh, wonder what would happen if I report the State Of Idaho Motor Vehicle Department for adding 3% on every cred card transaction?
    I think that every ad I've seen on gunbroker.com also charges a 3-5% fee for credit card transactions.

    Quote Originally Posted by 1245A Defender
    When they check the extra ID, they are protecting my credit from fraud
    No, they're protecting themselves.
    You're protected by your end of the credit card agreement, as well as a host of laws.
    If they accept a fraudulent charge & it's contested by the victim/owner of the card, they're out the product (to the thief) & the money (returned to the cc co.).

    Of course, all they have to do is check the signature on the purchase slip against the signature on the card, & make sure that their company policy & training manuals clearly state that, so they can tell the cc co. that their employees checked the signatures & they matched.

    Another thing that courts have ruled constitutes requiring ID for purposes of a cc transaction is those "enter your zip code" prompts at gas pumps (& other merchants, but those are the most common).
    If I run into one of those, I drive to a less crime-ridden area to spend my money.
    Last edited by MKEgal; 06-28-2012 at 03:31 AM.
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    Regular Member 1245A Defender's Avatar
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    Well,,,

    I am glad that their are protections on the agreement.
    My dad had a credit card,,,
    he bought gas in town last month, just got the bill for 88$ in the mail.
    He has been dead for 7 years!
    I called to tell them it was a bogus charge, they said they would look into it.
    Just got a letter back saying that the charge has to be paid because it was a "point of purchase" charge.
    Funny thing to me is, credit cards are only valid for about 2 or 3 years after issue,,,, soooo...
    Now they can send him bills till the cows come home,,,, Ive got a big garbage can...
    EMNofSeattle wrote: Your idea of freedom terrifies me. So you are actually right. I am perfectly happy with what you call tyranny.....

    “If ever a time should come, when vain and aspiring men shall possess the highest seats in Government, our country will stand in need of its experienced patriots to prevent its ruin.”

    Stand up for your Rights,, They have no authority on their own...

    All power is inherent in the people,
    it is their right and duty to be at all times ARMED!

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    Red face

    Quote Originally Posted by MKEgal View Post
    I think that every ad I've seen on gunbroker.com also charges a 3-5% fee for credit card transactions.
    .
    Check Out Fees (Surcharges)
    In general, Visa merchants in the U.S. are not permitted to pass on the merchant's transaction fee to the cardholder as a Visa "service charge," "service fee," or surcharge," even on sale items. A merchant may offer a discount for cash, check, and, effective July 21, 2010, debit, credit or prepaid. However, the cardholder must be made aware of this prior to entering into the transaction.


    Good Catch !

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    Quote Originally Posted by 1245A Defender View Post
    I am glad that their are protections on the agreement.
    My dad had a credit card,,,
    he bought gas in town last month, just got the bill for 88$ in the mail.
    He has been dead for 7 years!
    I called to tell them it was a bogus charge, they said they would look into it.
    Just got a letter back saying that the charge has to be paid because it was a "point of purchase" charge.
    Funny thing to me is, credit cards are only valid for about 2 or 3 years after issue,,,, soooo...
    Now they can send him bills till the cows come home,,,, Ive got a big garbage can...
    They can wait for their payment from him . la la la

    When my mother died, she had ~ 10K in bills ... they wanted me to pay...and willing to deal! la la la

  13. #13
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    Report them

    Quote Originally Posted by carracer View Post
    Huh, wonder what would happen if I report the State Of Idaho Motor Vehicle Department for adding 3% on every cred card transaction?
    Sounds like a surcharge to me:

    Check Out Fees (Surcharges)
    In general, Visa merchants in the U.S. are not permitted to pass on the merchant's transaction fee to the cardholder as a Visa "service charge," "service fee," or surcharge," even on sale items. A merchant may offer a discount for cash, check, and, effective July 21, 2010, debit, credit or prepaid. However, the cardholder must be made aware of this prior to entering into the transaction.
    The First protects the Second, and the Second protects the First. Together, they protect the rest of our Bill of Rights and our United States Constitution, and help We the People protect ourselves in the spirit of our Declaration of Independence.

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    Quote Originally Posted by 1245A Defender View Post
    Just got a letter back saying that the charge has to be paid because it was a "point of purchase" charge.
    You are not responsible for the debts of your parents. Ignore them. If you're concerned about what they might do, request it in writing, respond with your father's death certificate, and CC all three credit bureaus, as well as the consumer protection agency and the federal trade commission (the CC primarily lets the creditor know they'll be neck-deep in kimchi if they pursue).
    The First protects the Second, and the Second protects the First. Together, they protect the rest of our Bill of Rights and our United States Constitution, and help We the People protect ourselves in the spirit of our Declaration of Independence.

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    Campaign Veteran MSG Laigaie's Avatar
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    I do not use credit cards, but I do use a visa debit card (cash now). I have never signed ANY card. I think it is the same as putting a combination on the outside of a lock. What makes the card valid?? the signature.
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    Quote Originally Posted by MSG Laigaie View Post
    I do not use credit cards, but I do use a visa debit card (cash now). I have never signed ANY card. I think it is the same as putting a combination on the outside of a lock. What makes the card valid?? the signature.
    Actually they get the "combination" when you show them ID to create a new card. All they really need is your zip code.

    http://credit.about.com/b/2011/05/21...-purchases.htm

    And the may does not equal allowed!

    While merchants may ask for ID to prevent credit card fraud, your personal information is at risk when you show your ID. Remember that your name, address, driver's license number, and sometimes social security number are printed on your driver's license. This is just the information an unscrupulous cashier needs to steal your identity. Many credit card fraudsters are successful with just your zip code and credit card number.

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    I love it where I work, the customer has to swipe the card themselves, and occasionally a text will pop up on our screen that says check ID, I am amazed at how many people just hand over their ID when asked. If we have to enter the card manually, it always asks that we check ID then have to input a password saying we did. Doesnt matter whether the card is signed or not.
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    Regular Member amzbrady's Avatar
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    Quote Originally Posted by jbone View Post
    Now you can just tell them you are illegal and the meal will be free.
    I'm going to try that next time I go to Ihop, I'll tell them my name is Jose.
    If you voted for Obama to prove you are not a racist...
    what will you do now to prove you are not stupid?

    "The American people will never knowingly adopt socialism. But, under the name of "liberalism," they will adopt every fragment of the socialist program, until one day America will be a socialist nation, without knowing how it happened." - Norman Thomas

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    Quote Originally Posted by MSG Laigaie View Post
    What makes the card valid?? the signature.
    Yes, they are signature cards. The name on the front of the card need not be your name. it can be an authorized user alias, or, you can give your friends a card and she can sign the back with her name and use it.

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    Campaign Veteran smellslikemichigan's Avatar
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    in michigan it is common to see 2 prices at gas stations. a cash price and a credit price. i wonder if this violates visa's rules.
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    Regular Member sharkey's Avatar
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    Quote Originally Posted by smellslikemichigan View Post
    in michigan it is common to see 2 prices at gas stations. a cash price and a credit price. i wonder if this violates visa's rules.
    Not anymore since the law changed.
    I think it's the same law that got us carry in national parks but I could be wrong.

    http://usa.visa.com/personal/using_v...ees/index.html


    Retailers Can Offer a Discount for Cash and Check Purchases

    Retailers can encourage their customers to use other forms of payment, such as cash and checks, and can discount for PIN debit and cash and checks provided that the offer is made to all respective buyers.
    ETA: Got a lot of free time?

    You can verify if this is the law that prohibited credit card companies from prohibiting discounts for alternate payments.

    http://www.govtrack.us/congress/bills/111/hr627/text
    Last edited by sharkey; 10-19-2012 at 03:20 PM.

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    Campaign Veteran smellslikemichigan's Avatar
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    Quote Originally Posted by sharkey View Post
    Not anymore since the law changed.
    I think it's the same law that got us carry in national parks but I could be wrong.

    http://usa.visa.com/personal/using_v...ees/index.html




    ETA: Got a lot of free time?

    You can verify if this is the law that prohibited credit card companies from prohibiting discounts for alternate payments.

    http://www.govtrack.us/congress/bills/111/hr627/text
    that's pretty silly. cash discounts are a defacto checkout fee. it can add up rather quickly when the price is 10 cents a gallon different
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    Quote Originally Posted by 1245A Defender View Post
    I,, understand that the Card is meant to be a "bearer instrument", but...
    Many merchants will accept a card, from an obviouse thug/theif,
    that is buying cartons of smokes, cans of DEW and sticks of jerkey,
    with a card he probably just stole from a church lady, named ginger molsby!

    I have two cards, they have 10,000 and 20,000$ limits,
    I only use them for major purchaces, last time, was this very computor, about 3 years ago.

    When the clerk asks me for pic ID.... I show it... then I thank them for being carefull..
    When they check the extra ID, they are protecting my credit from fraud,,, I like that.
    This is one of my peeves with the credit/loan industry.

    They cannot protect my credit from fraud. Someone cannot steal my identity. Identity theft is a made-up term for fraud. I am not the victim of that fraud. The lenders and card issuers are.

    This has gotten so out of hand that my bank now offers "identity theft protection" (at an additional cost, thank you).

    The bottom line is that credit fraud, like receiving stolen checks, is the industry's business liability. Not my liability.

    So, no ID, thank you.
    I'll make you an offer: I will argue and fight for all of your rights, if you will do the same for me. That is the only way freedom can work. We have to respect all rights, all the time--and strive to win the rights of the other guy as much as for ourselves.

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  24. #24
    Regular Member sharkey's Avatar
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    Quote Originally Posted by smellslikemichigan View Post
    that's pretty silly. cash discounts are a defacto checkout fee. it can add up rather quickly when the price is 10 cents a gallon different
    Visa sees it different.

    They consider a defacto checkout fee on that actually shows as a separate charge for use of a credit card, not a different price for the item.

    Semantics, I know.

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