What would you have done?

happyandcontented

JReacher1 wrote: »

No when I say manually I don't mean in the chip and pin machine. Some Retailers can manually charge cards without the three digit code via their payment processor using the cardholder not present option.

The problem they have is without the security code the transaction can be disputed as being fraudulent by the consumer.

And if they have it, it could be more difficult for a customer to dispute the transaction.;)

daytona0

duchy wrote: »

Doesn't sound very simple to me.

What part didn't you find simple? The part where you provide temporary card details and take precautions to ensure that there is no money to drain?

I'm afraid I'd have said if they had no mechanism for me to pay then they could take the cheque or go whistle and if they weren't happy they were welcome to call the police.

http://www.chequeandcredit.co.uk/cheque_and_credit_clearing/the_law_relating_to_cheques/

Well I hope that the above link is accurate with the advice on cheques, notably:

"Cheques are not legal tender and never have been. Even today, if you owe someone money they are not obliged to accept a cheque. Instead a creditor is entitled to be paid in legal tender and can refuse payment in any other form. "

So I suspect that your 'simple alternative' may in fact be idiotic Especially when the police show up and escort you out for breaching the peace for refusing to settle a bill. Not sure what happens there but it would presumably be court action and possible further costs etc.

I've had my card cloned once I have no intention of having to sort that kind of mess out again.

By that logic I have no clue whatsoever how you'd access your money, because cloning can happen anywhere (ATMs, petrol stations, restaurants, pubs etc). Unless you go into a branch every time! If you are worried about cloning then be proactive to combat it (like my simple solutions), otherwise you'll unfortunately have to just chance it...

JayCartwright

I would have asked for their bank account details and either transferred the money then and there or paid them when I got home.

warehouse

The ONLY time I've ever had trouble with someone trying to access my bank account was a small time after leaving a cheque with card details on, (inc 3 digit code), at a small place who's card machine was down.

OP you were right not to do it.

Feral_Moon

daytona0 wrote: »

1. Pre-paid credit card?

2. Ring up and give the details of a card you hardly ever use. Make sure the account is empty, apart from the cost, and then make the payment. Then declare the card lost a week later and get a new card.

Simple solutions

This is why I have more than one bank account. In the rare instance I have to use a debit card for either a transaction or in an ATM I transfer the correct funds from my main account into one that's empty so no one can access my funds if they tried.

However, it's rare I use a debit card, usually always a credit card for additional protection. I've only really had one incidence of spotting a fraudulent transaction several years ago and the credit card company were quick to refund it.

I've had a few occasions whereby my card has been flagged up as potential security breach (when I've made an unusual purchase or one for a large amount or several online purchases in quick succession) but a simple phone call to the cc company soon sorts it out and the transactions are allowed to go through. Great safety net

susancs

OP, could you maybe ring the pub, ask for their banks name, sort code and account number, bill reference number and do a bank transfer into their account via your online banking?

happyandcontented

daytona0 wrote: »

Well I hope that the above link is accurate with the advice on cheques, notably:

"Cheques are not legal tender and never have been. Even today, if you owe someone money they are not obliged to accept a cheque. Instead a creditor is entitled to be paid in legal tender and can refuse payment in any other form. "


...

The definition of legal tender is very tight
http://www.royalmint.com/aboutus/policies-and-guidelines/legal-tender-guidelines

Legal tender has a very narrow and technical meaning in the settlement of debts. It means that a debtor cannot successfully be sued for non-payment if he pays into court in legal tender. It does not mean that any ordinary transaction has to take place in legal tender or only within the amount denominated by the legislation. Both parties are free to agree to accept any form of payment whether legal tender or otherwise according to their wishes. In order to comply with the very strict rules governing an actual legal tender it is necessary, for example, actually to offer the exact amount due because no change can be demanded.

Legal tender is a medium of payment recognized by a legal system to be valid for meeting a financial obligation.[1] Paper currency and coins are common forms of legal tender in many countries. Legal tender is variously defined in different jurisdictions. Formally, it is anything which when offered in payment extinguishes the debt. Thus, personal cheques, credit cards, debit cards, and similar non-cash methods of payment are not usually legal tender

unholyangel

Feral_Moon wrote: »

Reminds me of a pub I once visited, five miles from anywhere!

I'm guessing if the terminal connection had gone down then it's unlikely there would have been a data or wifi connection to use online banking either.

My phone can connect over normal mobile signal - sometimes a bit slower depending on the webpage but it still gets it done. If the connection required for the payment system wasn't too heavy duty, they could have also created a mobile hotspot.

If i didn't have a signal, i'm sure the manager wouldn't object to me using their landline to call and make the transfer by telephone banking instead of internet banking or mobile banking (OP, if you don't have internet banking, i really would recommend it - it makes reconciliation and keeping on top of savings/bills a doddle).

JReacher1 wrote: »

Yes but they don't need to be moriaty to remember those three digits

There is a difference between the two - with one member remembering your 3 digit number, no one else can use the details with the security code. If its written down, even if the staff are all honest, it still exposes the OP to the risk of loss if someone else were to get hold of it.

Plus, storing the security code is strictly forbidden.

The Payment Card Industry Data Security Standard (PCI
DSS), however, stipulates that the CVV2 (Credit Card Validation Value, or three-digit
security code) cannot be kept post-authorisation

The guidance can be found here (its a internationally wide thing apparently):
https://www.pcisecuritystandards.org/pdfs/pci_fs_data_storage.pdf

• Never store the card-validation code or value (three- or four-digit number printed on the front or
back of a payment card used to validate card-not-present transactions).

[2] Sensitive authentication data must not be stored after authorization (even if encrypted).

shaun_from_Africa

Although I try not to, I occasionally have to use one of my credit cards in places around the world that I would rather not do. I've not as yet had any problems with fraud and one bit of advice I was given years ago may well have helped.

As the CCV number isn't required for face to face transactions. this number on the card I use overseas has been obliterated. (I simply scratched the number off). As this number isn't stored on the card magnetic strip or chip, once it's gone there is no way for another person to find the details from the card.

The number itself is a very easy one for me to remember so whenever I make a distance payment using this card I can still provide the details when and if required.

JReacher1

unholyangel wrote: »

My phone can connect over normal mobile signal - sometimes a bit slower depending on the webpage but it still gets it done. If the connection required for the payment system wasn't too heavy duty, they could have also created a mobile hotspot.

If i didn't have a signal, i'm sure the manager wouldn't object to me using their landline to call and make the transfer by telephone banking instead of internet banking or mobile banking (OP, if you don't have internet banking, i really would recommend it - it makes reconciliation and keeping on top of savings/bills a doddle).



There is a difference between the two - with one member remembering your 3 digit number, no one else can use the details with the security code. If its written down, even if the staff are all honest, it still exposes the OP to the risk of loss if someone else were to get hold of it.

Plus, storing the security code is strictly forbidden.


The guidance can be found here (its a internationally wide thing apparently):
https://www.pcisecuritystandards.org/pdfs/pci_fs_data_storage.pdf

Your post is irrelevant.

There is nothing in PCI guidance which says you shouldn't provide card details over the phone to make a payment. This is what the pub have suggested the OP do.

I have not suggested they store the Security code. I am simply pointing out its only a three digit code which is not difficult to remember if someone had the card, had scanned all the other details and wanted to commit a fraudulent transaction.