Fraudulent card use at petrol station?

HTAFC112

Forwandert wrote: »

They will authorise and pay the company if they have rang the merchant and obtained a transaction authorisation code. In this case they would be refused payment. The card holder can basically dispute this transaction now even if it was his fiancee.

They only need to call their Acquiring Bank when the terminal is down (i.e. unable to swipe). The merchant is within its rights to resort to signature verification where it is not possible to verify by PIN. However, they must take an imprint of the card and actually check the signature. If there is no imprint or matching signature obtained then the merchant is liable.

The real issue here, is perpetrators of fraud preying on petrol station employees' difficult situations. They work in an environment whereby if they make a mistake they will be replaced before they can grab their coat. When somebody strolls in with a tank full of unpaid petrol, they are arrogant enough to know that the employee isn't going to risk "I'm not willing to accept your payment method".

gregg1

goater78 wrote: »

So the member of staff gets fired and claims benefits. That's cheaper for us!

I don't like the fact we are becoming a nation of busy bodies!

It is as bad to turn a blind eye!

System

gregg1 wrote: »

It is as bad to turn a blind eye!

The transaction is between the customer and the petrol station. It's not turning a blind eye to realise its nothing to do with you.

Forwandert

HTAFC112 wrote: »

They only need to call their Acquiring Bank when the terminal is down (i.e. unable to swipe). The merchant is within its rights to resort to signature verification where it is not possible to verify by PIN. However, they must take an imprint of the card and actually check the signature. If there is no imprint or matching signature obtained then the merchant is liable.

Any payment where the chip and pin function has not been used for whatever reason when there is a chip present on the card can be disputed. The dispute always goes in the favor of the consumer. I had several situations whereby people where presenting chip and pins cards for items of roughly £100 at a time each time the chip and pin card reverted to signature (maybe due to the chip being scratched purposely) each time the payments which we had the imprints for where disputed and reversed. The advise we received was basically the cards may have been cloned and because we didn't pre authorise with the merchant and receive the authorisation codes to keep on record with the imprints the money was gone.

VitaK

Write a letter to the manager and/or company describing what you saw. Im sure they would love to hear this.

Evilm

goater78 wrote: »

The transaction is between the customer and the petrol station. It's not turning a blind eye to realise its nothing to do with you.

So If I see the clerk dealing with the customer in front of me take the card and swipe it through a secondary machine before handing it back to them... thats none of my business either?

Or I see someone drop their card and someone else pick it up and then have it run as signature only and the clerk not check the signature... thats none of my business either?

Its not as overt but its similar situations.

The first is deliberate fraud on the clerks part (as the assumption is they are collecting card details to clone).
The second is knowing that the clerk failed to do the required checks and something is wrong with the transaction (fraud on the 'customers' part).
The OP's situation is knowing that the clerk failed procedure checks and not specifically being able to prove that the transaction is fraudulent.

In all situations I'd want management to know the clerk is doing something wrong and being lax with procedures and I'd consider whether I'd be shopping there again!

Next its going to be "saw someone setting timer on a device that looks like explosives in an airport (store/public place/anywhere!) then run away and its none of my business!

Yes, its a much higher level but its the same principle - if you see something wrong point it out!

kimminess

Thanks for your opinions, the bit that got me the most was surely if it was her fiancee's card she could call him and get the correct PIN number! (Even if it meant her using the petrol station's phone or something)

I remember the car reg anyway as it was personalised so I'll pop the company a quick email across I think. Thanks for all responses

CKhalvashi

OH uses my credit card for things like diesel, but she does have the PIN for it.

IMO, the assistant is stupid for putting it through.

CK

System

CKhalvashi wrote: »

OH uses my credit card for things like diesel, but she does have the PIN for it.

IMO, the assistant is stupid for putting it through.

CK

It's interesting this as I do the same. However alot of people on this site react with horror when you say that you share your pin number with your partner!

Azari

goater78 wrote: »

It's interesting this as I do the same. However alot of people on this site react with horror when you say that you share your pin number with your partner!

You can obviously share you PIN with someone in whom you have complete trust.

Just !!!!!! never admit that you did so to the bank.