Unique Transaction Requirements

Unique transactions are subject to standards governing retail sales transactions except as otherwise provided here.

• 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.