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.