Merchants aren't allowed to require your ID

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fffresh
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Merchants aren't allowed to require your ID

Postby fffresh » Mon Jun 16, 2008 5:27 pm

I read an article on MSN Money about credit card myths and #3 was that merchants are allow to require photo ID when you pay with a credit card.

FALSE! Merchant's agreements with Visa, Mastercard, Discover, and American Express specifically forbid a merchant from requiring an ID. The signature is supposed to be enough.

If merchants weren't breaking enough rules to make it worse Visa and Mastercard contracts with merchants are supposed to prevent them from even asking for any ID at all! Discover and American Express don't outright ban it like Visa/MC but they do strongly discourage it.

I can't tell you how many times in my life I have been able to make a purchase, small purchases, simply because I didn't have my drivers license on me. This pisses me off that merchants do this to us when they're not supposed to! How can we report them to the credit card companies?


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Postby magyar1045 » Tue Jun 17, 2008 8:52 am

While Visa/MC discourages the ID requirements, it is ultimately up to the merchants. Try walking into a store, buying something with your CC, and insisting that you should not be required to show ID. You won't get the product(s) you want.

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Postby Mogul of Pineapples » Tue Jun 17, 2008 3:42 pm

magyar1045 wrote:While Visa/MC discourages the ID requirements, it is ultimately up to the merchants. Try walking into a store, buying something with your CC, and insisting that you should not be required to show ID. You won't get the product(s) you want.


Yeah I don't think it would work either but if nothing else we could report them for doing it. Who's know if that will do any good either but it's worth a try I guess. Kinda surprised they even have this policy. I understand them insisting for an i.d. on big purchases but if it's small ones and you don't have it, I don't think they should refuse to let you make the purchase.
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fffresh
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Postby fffresh » Sat Jun 28, 2008 8:43 pm

Every time I've been asked since then I just wish I could whip out proof that they're not allowed to ask for ID but those cashiers aren't taught the first thing about this stuff so they wouldn't know. I don't get how all these stores get away with this and actually train their employees to ask for ID when it's not allowed. Am I missing something or shouldn't this be enforced?

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Postby JG7 » Thu Jul 10, 2008 9:28 am

Actually had this happen last night..... Hardware store claims it is store policy to check I.D. for all credit cards.... What can I say when this happens... Isn't there a piece of literature I can show them or a phone number for Mastercard?

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Postby magyar1045 » Thu Jul 10, 2008 4:41 pm

Those merchant terminals should be set up the same way as the gas pump terminals are, requiring you to enter your zip code for the charge to be authorized, and then no merchant cashier would have to ask for ID.

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fffresh
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Postby fffresh » Fri Jul 11, 2008 12:49 am

Do you think that would work okay in small towns though? I know the town I grew up in had the same zip code for the entire area so in a place the size of that I'm not sure. Most major areas it would work fine. I think a pin like debit cards have would be an easy way to go to.

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Postby Moneytalks » Thu Apr 26, 2012 6:39 pm

extra security I suppose just to make sure you are who you say you are...
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Postby FastSRT8 » Thu Apr 26, 2012 6:47 pm

You could always put the onus back on them and say.... "show me where in your agreement with (credit card company) which allows you to ask me for my ID?"

But then as one poster said, they could just tell you to piss of and you can't buy what you wanted.

Hmmm I wonder if i can call my concierge and ask them to call the retailer and tell them to go and F themselves because the guy standing infront of them really is who he says he is!! LOL
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Postby Celestine » Thu Apr 26, 2012 6:57 pm

fffresh wrote:I read an article on MSN Money about credit card myths and #3 was that merchants are allow to require photo ID when you pay with a credit card.

FALSE! Merchant's agreements with Visa, Mastercard, Discover, and American Express specifically forbid a merchant from requiring an ID. The signature is supposed to be enough.

If merchants weren't breaking enough rules to make it worse Visa and Mastercard contracts with merchants are supposed to prevent them from even asking for any ID at all! Discover and American Express don't outright ban it like Visa/MC but they do strongly discourage it.

I can't tell you how many times in my life I have been able to make a purchase, small purchases, simply because I didn't have my drivers license on me. This pisses me off that merchants do this to us when they're not supposed to! How can we report them to the credit card companies?


This is not really a problem for me. At least I know they are being careful for unauthorized charges. One of the things I can think of why merchants are doing that is because they are the ones who are losing profit every time an unauthorized charged is disputed by credit card holders.
"Nearly all men can handle adversity, but if you really want to test a man's character - give him power." - Abraham Lincoln



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