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Worldpay Editorial Team
June 24, 2019
By accepting credit card payments on the phone, you're taking the risk that the person on the other end of the line is not the cardholder or an authorized user of the card. For example, you can't check photo ID like you and your staff should be doing for all in-person card transactions. The banks that issue credit and debit cards are likely to hold businesses responsible for fraud that occurs if they aren't following security protocols such as those best practices related to phone orders.
You should expect to pay more in processing fees for card-not-present transactions—including taking card payments over the phone—but there are some steps you can take to reduce your business's risk of falling victim to fraud.
There are a number of ways that you can accept credit cards over the phone these days. You can:
Here are some tips on how to most effectively secure your phone order payments process:
Require the following pieces of information for each card payment you accept over the phone:
On the signature line of the printed receipt for the order, instruct your staff members to write “Phone order.” Keep the paper receipt filed with the rest of your receipts and invoices.
When a customer places a phone order with your company that will be delivered, there are some additional steps you can take to help ensure the legitimacy of the transaction:
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