Frequently Asked Questions..
Q: How do I know that the card being presented for payment is genuine?
A: There are many different designs of credit cards which are being issued by many different institutions. All cards however, have to display the correct card logos and information.
  • What to look for if the card being presented is a MasterCard credit card:
    • Logo
      The interlocking red and yellow globes have evenly spaced lines. The word “MasterCard” appears with a drop-shadow.
    • Check The Account Number
      All MasterCard account numbers begin with a 5. The embossing should be clear and uniform in size and spacing.
    • Verify the Printed Number
      A four-digit number may be pre-printed on the card. It must match the first four digits of the embossed account number.
    • Check the Valid Dates
      The Valid Date lists the last date on which the card is valid. Some cards may have an Effective Date as well.
    • Check the Security Character
      MasterCard cards have a stylized “MC” embossed on the line next to the valid dates.
    • Check the Signature
      The signature on the back of the card should reasonably compare with the signature on the sales draft.
    • Check the Signature Panel
      The word “MasterCard” is printed in multi-colors at a 45-degree angle on a tamper-evident signature panel. The 16-digit account number indent printed in reverse italics on the signature panel is followed by a 3-digit card calidation code (CVC2).
    • Check the Hologram
      A hologram with interlocking globes showing the continents should appear three-dimensional and move when the card is tilted. The word “MasterCard” will appear in the background of the hologram. The letters “MC” are microengraved around the two rings.
    • Compare Account Numbers
      The account number embossed on the card must be exactly the same as the 16-digit account number indent-printed on the signature panel, printed on the sales draft, or displayed on the terminal (if equipment allows).
  • What to look for if the card being presented is a Visa credit card:
    • Check the Account Number
      All Visa account numbers begin with a 4. The embossing should be clear and uniform in size and spacing.
    • Verify the Printed Number
      The four-digit number printed above or below the embossed account number must match the first four numbers of the account number.
    • Check the “Flying V”
      Visa cards have a stylized “V” embossed on the line next to the valid dates.
    • Logo
      The letters EC and a 4-6 digit code appears around the perimeter of the logo.
    • Check the Signature Panel
      The word “VISA” is printed in multi-colors at a 45-degree angle on a tamper-evident signature panel. The 16-digit account number indent printed in reverse italics on the signature panel is followed by a 3-digit card validation code (CVC2).
    • Check the Hologram
      The image of the dove should be seem three-dimensional and appear to move when the card if tilted in the light. The last grouping of embossed digits should extend into the hologram.
    • Compare Account Numbers
      The account number embossed on the card must match the account number printed on the signature panel, printed on the sales draft or displayed on the terminal (if equipment allows).
  • How will I know if the card being presented is fraudulent?
    In addition to checking if the card is in fact a valid credit card, you need to look out for the following;
    • If the first four digits printed above or below the embossed account number do not match exactly, the card has been altered or it is a counterfeit.
    • If you see “ghost images” of other numbers behind the embossing on either the front or back of the card, it has been re-embossed.
    • If the card has been re-embossed, the hologram may be damaged.
    • Check the valid dates for evidence of tampering. Do not accept an expired card.
    • Check the signature panel. If it appears discolored, glues, painted, erased or covered with white tape, the card has been altered.
    • The hologram should show clear, three-dimensional images that appear to move when the card is tilted. Scratching can often easily damage imitations.
  • What kind of customer behavior might tell me that something suspicious is happening?
    While any of the following can occur during a perfectly legitimate transaction, these characteristics are frequently present during fraudulent transactions. Be alerted by the customer who:
    • Takes the credit card from a pocket instead of a wallet or purse;
    • Makes random purchases, selecting items with little regard to size, quality or value;
    • Makes several small purchases to stay under the floor limit, or asks what the floor limit is;
    • Signs the sales voucher slowly or awkwardly;
    • Hurries you at closing time.
  • What must I do if I am suspicious in any way?
    IF:
    • You believe you have a counterfeit or altered card for any reasons mentions above;
    • The account number on the electronic slip does not match the embossed number on the card;
    • The transaction is suspicious;
    • The signatures don’t match;
    • You become suspicious for any other reason

    Call the Standard Bank Fraud Detection Department immediately and ask for “Code 10”. If the account number is listed on the warning bulletin - your electronic terminal displays the words; “PLEASE HOLD CALL”, call your Authorisation Centre immediately and ask for a “Code 10”.
    You will be asked a series of “yes” or “no” questions. Hold the card while the operator gives you instructions. A reward is offered for the recovery of a card, or an arrest, or both.
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