- The floor limit for all unique transactions must be zero.
- With the exception of truck stop transactions and of card-read transactions where a non-signature CVM is used, if a unique transaction is processed in a card-present environment, the cardholder must present a personal identification of the cardholder identical to that required for a cash disbursement as follows:The identification must be an official government document that has not expired and bears the customer's signature (for example, a passport, identification document, or driver's license).
Acquiring banks should ensure that their merchants shall, to the extent allowed by applicable law, record on the face of the sales receipt:
- A description of the identification.
- Any serial number, expiration date, and jurisdiction of issue.
- The name of the customer (if not the same as the embossed name).
- The address of the customer.
Except for card-read transactions where a non-signature CVM is used, to ensure that the cardholder's signature compares positively, the signature on the card must be compared to both of the following:
- The cardholder's signature on the identification presented.
- The cardholder's signature on the merchant receipt.
If the identification has a photograph of the cardholder, the merchant must check that the person presenting the card appears to be the same person.
- Authorization requests and clearing messages must identify the transactions as unique.
Friday, September 4, 2009
Unique Transaction Requirements
Unique transactions are subject to standards governing retail sales transactions except as otherwise provided here.