Can a shop refuse to take a chip & sig card?

molerat

All the terminals I have used tell you it is a chip & sig card, prints off a slip with a sig space and asks to check the sig.

paulinespens

welshbookworm wrote: »

I work in a shop and while we can do 'chip and pin' cards we have nothing to be able to do 'chip and sig' cards, or non-chip cards with.
I have to refuse them and ask the customer to use a cash point.

So what happens if someone with a overseas debit card/ credit card comes into your shop?

Im an ex pat and only have US bank cards now with no chip.

welshbookworm

If its someone with a non-chip card we ask them nicely to go to the cash point (just a few yards away) to get the money.
We have asked the company that supplies the machine for slips to do non-chip cards but nothing has arrived yet.

Altarf

paddyrg wrote: »

Why should a shop be forced by statute to sell you something by a particular form of credit card, especially one which is less secure and so exposing the shop to greater risk of chargebacks if the card transactions are challenged?

Utterly wrong. The shop is only exposed to a risk of chargeback if they have not used the most secure way of processing that card at that time.

A chip & pin card processed with a signature will be liable for chargeback if the signature option is used when the pin system is operational, as there was a more secure form of processing, the pin.

A chip & signature card has no higher level of security than the signature, so the retailer is fine processing it as a chip & signature card.

The problem is the shop staff who think they know the rules, but don't. A polite letter to the shop's head office pointing out that chip & signature cards are issued because of the Disability Discrimination Act, asking them to confirm that their stores accept them, and that the staff in the particular store involved will be retrained.

If you don't get a suitable reply, which I doubt, then your local newspaper would love a story of "Evil megacorp illegally refused to take OAP's credit card".