When You Get the “Call” Message

Program your phones to speed dial your authorization centre’s phone number. It saves time at the point-of-sale.
Program your “merchant ID” number in the speed dial system to avoid having to manually enter it when calling.

Code 10 Actions

If you receive an electronic authorization approval, but still suspect fraud:

• Keep the card in hand.
• Call your voice authorization center and say, “I have a Code 10 Authorization Request.”
• Follow the operator’s instructions.
• If you are instructed to pick up a card, keep the card only if you can do so by peaceful means. Remember, your safety comes first.
• Notify your merchant bank that you have recovered a card and ask for further instructions. You may be eligible to receive a monetary reward.

• Before sending a card to your merchant bank, cut the card in half lengthwise without cutting the magnetic stripe, the account number, or the hologram.

Returns and Exchanges

If a customer requests a refund for returned merchandise purchased with a Visa® card, you must prepare a Visa credit voucher to credit the cardholder’s account. To prevent fraudulent transactions:

• Do not give cash refunds for merchandise purchased with a Visa card.
• Do not credit refunds to any Visa card other than the card used for the original transaction.

Note: Visa does not require you to refund a transaction if your establishment’s merchandise return and exchange policies are clearly disclosed to customers and written on sales receipts as “No Return,” “In-store Credit Only,” or “Exchange Only.”

Important Numbers

Your Merchant Identification Number

Your Voice Authorization Center Phone Number(s)

Your Merchant Bank Phone Number

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