ICICI Merchant Services is committed to helping its retailers and merchants minimize the risk of fraud to their business.
How we help protect your business:
Robust system design - Our systems are compliant with applicable industry securityregulations and feature robust encryption for added data protection
Training - Take advantage of our Card Acceptance Training Program, which will helpequip your staff with the skills and knowledge to competently handle card acceptance.Speak to your Relationship Manager or our Customer Care team for more details.
Quick reference materials
we provide stickers with the Customer Care andAuthorisation Center contact numbers on your point-of-sale for quick reference if youneed it.
How you can help protect your business
Help protect yourself from fraud by observing these simple rules when managing your cardpayments:
You should always:
compare and match the signature on the card with the signature on the charge slip. If thesignature panel on the reverse of the card is blank, insist the cardholder signs on thesignature panel in your presence and then compare the signatures.
if the signature panel on the reverse of the card is blank, hold the card and contact the
Authorisation Centre under a „Code 10‟ call (see Operating Gui
„Suspicious Transactions‟) and you will be advised as to the appropriate action
keep copies of charge slips for 18 months from the transaction date so you can producethem in the case of a disputed transaction. Keep them in a cool place, away from sunlightand not in a plastic folder as thermal paper deteriorates over time.
complete settlement every day as a delay can result in a payment dispute.
compare the photo on the card (if it is a photocard) to the person presenting it.
never swipe the card more than once - If necessary, VOID the transaction beforeSETTLEMENT. Otherwise, the cardholder may be debited twice and you are likely tocome under scrutiny of MasterCard and Visa International.
never split a sale under any circumstances. e.g., if an authorisation is tried for Rs. 25,000and the response is "Decline" or "Refer to Issuer", do not try to split the sale into smalleramounts. Instead, contact the authorisation centre for a voice authorisation.
never amend the transaction amount after the charge slip has been signed by thecardholder.
never levy an additional charge or surcharge on card payments as this is likely to cause acardholder dispute and require a refund from your account.