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Thread: Protecting Yourself At the Point Of Sale

  1. #1
    Junior Member Jeanie is on a distinguished road
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    Protecting Yourself At the Point Of Sale

    I recently visited a small country store in an area where everyone pretty much knows everyone else. The owner told me that she incurred a $100.00 chargeback because she allowed the card owner's son to use the card to make a purchase. The same person did that at another store not far away on the same day. The owner of the card refused the charge and there wasn't anything the owners could do because they allowed the purchases.

    When you're selling online, how do you protect yourself from this type of thing?

  2. #2
    Member Pretriv is on a distinguished road
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    Re: Protecting Yourself At the Point Of Sale

    You really can't. You just have to collect as much information as possible, flag suspicious transactions, and have a policy of calling at least random samplings before completing orders.

  3. #3
    Junior Member moneybags is on a distinguished road
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    Re: Protecting Yourself At the Point Of Sale

    You could manually verify every transaction, however that could stall your business. You could use 3rd party anti-fraud systems, that you could run all transactions through which will flag up any suspicious transactions according to the criteria you set, leaving you to concentrate on running your business.

  4. #4
    Member Scout is on a distinguished road
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    Re: Protecting Yourself At the Point Of Sale

    That doesn't seem right to me. If the son was using the card without permission then the mother should have reported him to the cops and let him take the rap. I guess as it was done in person the store owner is going to have to take some blame, but ouch, in a small community this is going to sting.

  5. #5
    Member B.Bradshaw is on a distinguished road
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    Re: Protecting Yourself At the Point Of Sale

    I find this kind of report makes me real mad. The parent(s) often treat it all as a joke and leave the seller to pick up the pieces. Do they stop to think that a business is losing maybe three ways? You lose the payment, the goods and then have a fee on top. Charming!

  6. #6
    Junior Member pan-doo is on a distinguished road
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    Re: Protecting Yourself At the Point Of Sale

    I walk into most of these stores and there is a loophole in identification when wanting to use a card. The fact that it was a small community does not mean you treat someone casually. At the end, it all comes back to you.

    Parents indeed play a huge responsibility.

  7. #7
    Junior Member happylady is on a distinguished road
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    Re: Protecting Yourself At the Point Of Sale

    Small town business owners often tend to become too trusting because they think they can trust their neighbors and friends. The bottom line is that if the owner allows a card to be used without checking the ID and signature, they are taking a chance on getting a chargeback.

  8. #8
    Member Rintintin is on a distinguished road
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    Re: Protecting Yourself At the Point Of Sale

    I agree, it would be better to make a clear notice, along the lines of the 'please do not ask for credit as a refusal often offends' signs I have seen many times in small shops and businesses. The local connection leaves you more open to expectations of leniency otherwise.

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