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i work in a business that accepts
card payments over the phone, i accept the long card number, expiry date and the last 3 numbers on the back, , ive always felt this is so unsafe for customers, i could just write these numbers down and use them for myself to pay my own bills and other things so easy. ok eventually i would get caught but i still feel this isnt a very safe method of payments.
And if someone rang my business and paid a invoice with a stolen card, i would accept this card no problem, i would then clear the invoice as been settled. now it would show on the statement of the person whose card was stolen as paying me maybe a few weeks later, and then id have to refund them , but there is no way id be able know who had actually paid me , as i accept around 200 payments a day and i dont keep records of card numbers on any invoice paid.
card payments over the phone, i accept the long card number, expiry date and the last 3 numbers on the back, , ive always felt this is so unsafe for customers, i could just write these numbers down and use them for myself to pay my own bills and other things so easy. ok eventually i would get caught but i still feel this isnt a very safe method of payments.
And if someone rang my business and paid a invoice with a stolen card, i would accept this card no problem, i would then clear the invoice as been settled. now it would show on the statement of the person whose card was stolen as paying me maybe a few weeks later, and then id have to refund them , but there is no way id be able know who had actually paid me , as i accept around 200 payments a day and i dont keep records of card numbers on any invoice paid.
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Replies: 21
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thx reg
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yes funny i did a transaction other day( 1st time ever ive done it), i accepted a card payment for a small amount, and for some reason i did it again some 30 mins later, ( genuine error , even now not sure how ) but few days later customer complained and i refunded her, but it did get me thinking , how unsafe this is , like you say how many would challenge a small amount.
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"so stored safely", means a crooked firm/ employer could 12 months later clear your bank acct, we never store nobodys details .
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Large firms often have paperless office policies in contact centres and notes, card numbers etc can only be added to customer records.
A small firm could obv misuse details but it would become obvious fairly quickly where the source was. |
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I own a small guest house although my partner runs it and she requires the person whose deposit she takes to bring the card they booked with when they arrive, if its a parents or non holidaying partner she confirms it by asking them to text her last 3 digits,dont think she keeps details, majority of our guests are returning guests but 30% are one off booking. Com.
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when making such payments, best transfer money from one of your accounts first to another of your accounts that has no money in it so nothing can be fleeced afterwards.
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I don't use Revolut but apparently you can lock your account/card after you make a payment like this and then use your password to reopen the account/card just before the next time you use it, then lock it again etc. Basically like having a PIN for transactions like these.
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I think it's just a matter of time an offence has been committed and noted. If at the same retail premises repeatedly or same personnel an investigation will be conducted, and result fruitful and accurate; cctv is a great tool to have.
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taking card details over the phone ? I thought that died out in the late 90s
 never in a million years would I give someone that info over the phone. |
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still the case platini, if you book hotels , pay bills etc
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Platini don't get out much obviously
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have 10,000 in your bank , pay someone a bill for a tenner, nothing stopping them taking the lot
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You guys should try something called "online shopping"
Been around since late 90s I believe  |
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Some companies will ask you to key in CSC number others don't eg my latest car insurance renewal. And, this is easily opened to abuse.
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I don't like using numbers over the phone, at all times if I have an option I'll pay over the internet.
But here's something you might not know that's annoying : When I book a hotel over booking.com, I ASSUMED when I did the credit card transaction it would be done "digitally" and securely. Tben when I checked in once I happened to notice on the paperwork the woman had for me, there were my credit card details clear as day. WTF I thought. Turns out after 2 minutes googling, they often (perhaps always?) send the details through to the hotel/B&B so any fecker on the desk / fax machine / printer / bin might well get them as well. Not happy about that. |
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JC, did they have your 3 digit security number as well ?
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I use a credit card for everything but gambling deposits. It's not my money that gets stolen and they are usually quick to query transactions.
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Can't remember platini, but you put that in when you book? What I DO know is after returning from a holiday a couple years ago, someone started buying stuff online (digital purchases) using the card I use for hotels. It's a bad combination as on the same piece of paper the hotels get they'll have your name, address, CC number, and perhaps even birth date. Not sure about the latter but some countries like to know all that (and passport number) for legal reasons.
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moonaxed might know, I see above he apparently GETS bookings from them?
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They dont provide date of birth but if your booking is not a free cancellation we do get all the data,,if it doesn't match up to details on the card the booking is not authorised
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Do you get the CVV though, Platini asked, I can't remember. I THINK that was on it but not sure.
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Yep
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All the data does cover that
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They don't do it here but some countries the hotels have to by law have your passport details, though now I think about it they ask at the desk. Soon it'll be Covid immunity status :P
There has a been a surge in rental properties in places like London, as the screwed air bnb owners scramble to try and get people in the old fashioned way, I'm guessing now might be a good time to get a bargain rental? If you are allowed to move that is .. |
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Any card payments I make online (never by phone) that are out of the norm ie larger than normal and/or place I've never used before then I get an authorisation number direct to my phone to enter online.
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