Accepting with card absent

Swipe the card

Swipe the card through a magnetic card reader, insert the card into a chip-reading device, or wave the card in front of a Visa payWave contactless payment terminal to request the transaction authorization.

Note: Many Visa cards have a chip that communicates information to a point-of-sale terminal with a chip-reading device. If a chip-reading device is available, preference must always be given to chip card processing before attempting to swipe the magnetic-stripe. The card should remain in the terminal until the transaction is complete.

Check the card

While the transaction is being processed, check the card’s unique design features and security elements, if possible. Make sure the card is valid and has not been altered in any way.

Get authorization

Obtain authorization and, if required, get the cardholder signature on the transaction receipt.

If you suspect fraud

Adhere to your merchant store procedures and respond accordingly.

Check the card against receipt

Compare the name, last four digits of the account number, and signature on the card to those on the transaction receipt.