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7.3 FRAUD MINIMISATION FOR DEBIT CARDS
The following procedures are vital in helping you identify and minimise fraudulent debit
card transactions via your Merchant Facility.
Debit transactions are to be processed by swiping or inserting the presented card and
having the customer enter their PIN or, in certain circumstances, their signature.
7.4 CARDS LEFT AT PREMISES
From time to time customers may accidentally leave their debit or credit cards behind
at your premises. To ensure any potential fraud is minimised and to better align with
broader industry practices, a change to existing handling process is required.
Upon discovering a card left at your premises, you are to perform the following tasks:
• Retain the card in a safe place for a period of up to two business days;
• Hand the card to the customer claiming the card only after having established the
claimant’s identity by comparing signatures;
• If the requisite two business days have passed, destroy the card;
• Should the cardholder enquire about their missing card, instruct them to contact
their issuing institution.
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