Setting up for chip cards

[Generic]

So just to explain for anyone who doesn't know -- "Starting October 1, if you swipe the magstripe on the back of a chip card instead of dipping the chip, the liability for certain kinds of fraud shifts from the bank to you."
Not everyone will have chip cards right away, so you will still be swiping mag stripes, but when you are presented with a chip card, you should be dipping the card in a chip-card reader rather than swiping the card through a mag-stripe reader.....

NOPE. Starting October 1st if you aren't equipped to read chip cards, the liability for counterfeit cards shifts to you, regardless of if the card is chip enabled or not. So, if you taken by fraud and you have a chip reader, things haven't changed. If you don't have a chip reader.... you are responsible, not Visa/MC.
Nothing to do with the card having a chip or not. Or if the transaction happens with a chip. It's all about the merchant being chip enabled.
.

It also means that our current credit card machines will still accept chip cards, the only consequence is we eat the charges if it's a bad naughty card. Right? So, no need to jump through hoops until the whirlwind settles...
.

What whirlwind? The US is one of the last places on earth that doesn't handle the chip cards. Visa, Mastercard and WallyWorld had to force the banks to change.
If you have a chargeback and you don't have a chip enabled machine.. you lose... automatically. Each and every time.
Why is everyone seem so afraid of every little change? Do you want more security? Less fraud?
One more important note... unlike a swiped card, the chip actually proves that the card was presented. So the guest's only way to claim that they weren't there is to actually claim the card was stolen. It means that they can't try a chargeback after staying with you without declaring the card stolen... in other words, they would need to commit fraud to back out of paying you if the card was presented.
.

Just saying we are waiting until the rush to meet the deadline is over.
Are you sure that if we have a legitimate signature charge backs won't be upheld?
Also, about 65% or more of my charges are keyed.
.

That's the deal, you aren't chip enabled, you essentially lose every chargeback.
Doesn't matter if they are keyed, telepathically entered or even swiped... you aren't chip enabled, you are accepting the liability for all fraud.
(I've only been warning innkeepers for two years about this deadline.)

 

[Copperhead]

So just to explain for anyone who doesn't know -- "Starting October 1, if you swipe the magstripe on the back of a chip card instead of dipping the chip, the liability for certain kinds of fraud shifts from the bank to you."
Not everyone will have chip cards right away, so you will still be swiping mag stripes, but when you are presented with a chip card, you should be dipping the card in a chip-card reader rather than swiping the card through a mag-stripe reader.....

NOPE. Starting October 1st if you aren't equipped to read chip cards, the liability for counterfeit cards shifts to you, regardless of if the card is chip enabled or not. So, if you taken by fraud and you have a chip reader, things haven't changed. If you don't have a chip reader.... you are responsible, not Visa/MC.
Nothing to do with the card having a chip or not. Or if the transaction happens with a chip. It's all about the merchant being chip enabled.
.

It also means that our current credit card machines will still accept chip cards, the only consequence is we eat the charges if it's a bad naughty card. Right? So, no need to jump through hoops until the whirlwind settles...
.

What whirlwind? The US is one of the last places on earth that doesn't handle the chip cards. Visa, Mastercard and WallyWorld had to force the banks to change.
If you have a chargeback and you don't have a chip enabled machine.. you lose... automatically. Each and every time.
Why is everyone seem so afraid of every little change? Do you want more security? Less fraud?
One more important note... unlike a swiped card, the chip actually proves that the card was presented. So the guest's only way to claim that they weren't there is to actually claim the card was stolen. It means that they can't try a chargeback after staying with you without declaring the card stolen... in other words, they would need to commit fraud to back out of paying you if the card was presented.
.

Just saying we are waiting until the rush to meet the deadline is over.
Are you sure that if we have a legitimate signature charge backs won't be upheld?
Also, about 65% or more of my charges are keyed.
.

Just saying we are waiting until the rush to meet the deadline is over. Are you sure that if we have a legitimate signature charge backs won't be upheld? Also, about 65% or more of my charges are keyed.

Most places around here have not changed as of yet. I've talked to a few small business owners that I know and they claim to have not even heard about the change.

 

[Momma Smurf]

So just to explain for anyone who doesn't know -- "Starting October 1, if you swipe the magstripe on the back of a chip card instead of dipping the chip, the liability for certain kinds of fraud shifts from the bank to you."
Not everyone will have chip cards right away, so you will still be swiping mag stripes, but when you are presented with a chip card, you should be dipping the card in a chip-card reader rather than swiping the card through a mag-stripe reader.....

NOPE. Starting October 1st if you aren't equipped to read chip cards, the liability for counterfeit cards shifts to you, regardless of if the card is chip enabled or not. So, if you taken by fraud and you have a chip reader, things haven't changed. If you don't have a chip reader.... you are responsible, not Visa/MC.
Nothing to do with the card having a chip or not. Or if the transaction happens with a chip. It's all about the merchant being chip enabled.
.

It also means that our current credit card machines will still accept chip cards, the only consequence is we eat the charges if it's a bad naughty card. Right? So, no need to jump through hoops until the whirlwind settles...
.

What whirlwind? The US is one of the last places on earth that doesn't handle the chip cards. Visa, Mastercard and WallyWorld had to force the banks to change.
If you have a chargeback and you don't have a chip enabled machine.. you lose... automatically. Each and every time.
Why is everyone seem so afraid of every little change? Do you want more security? Less fraud?
One more important note... unlike a swiped card, the chip actually proves that the card was presented. So the guest's only way to claim that they weren't there is to actually claim the card was stolen. It means that they can't try a chargeback after staying with you without declaring the card stolen... in other words, they would need to commit fraud to back out of paying you if the card was presented.
.

Just saying we are waiting until the rush to meet the deadline is over.
Are you sure that if we have a legitimate signature charge backs won't be upheld?
Also, about 65% or more of my charges are keyed.
.

That's the deal, you aren't chip enabled, you essentially lose every chargeback.
Doesn't matter if they are keyed, telepathically entered or even swiped... you aren't chip enabled, you are accepting the liability for all fraud.
(I've only been warning innkeepers for two years about this deadline.)
.

Just asking, but isn't Fraud different from a guest dispute? That would mean anyone could get their money back if the retailer was using an old processor. Just noticed yesterday that PetSmart hadn't upgraded, when I used my chip-enabled card. Sorry what special diet dog food? We didn't buy that. I could say after October 1.... anyone could say...
We have never had an issue with actual Fraud in ten years... knock on rocks

 

[Morticia]

So just to explain for anyone who doesn't know -- "Starting October 1, if you swipe the magstripe on the back of a chip card instead of dipping the chip, the liability for certain kinds of fraud shifts from the bank to you."
Not everyone will have chip cards right away, so you will still be swiping mag stripes, but when you are presented with a chip card, you should be dipping the card in a chip-card reader rather than swiping the card through a mag-stripe reader.....

NOPE. Starting October 1st if you aren't equipped to read chip cards, the liability for counterfeit cards shifts to you, regardless of if the card is chip enabled or not. So, if you taken by fraud and you have a chip reader, things haven't changed. If you don't have a chip reader.... you are responsible, not Visa/MC.
Nothing to do with the card having a chip or not. Or if the transaction happens with a chip. It's all about the merchant being chip enabled.
.

It also means that our current credit card machines will still accept chip cards, the only consequence is we eat the charges if it's a bad naughty card. Right? So, no need to jump through hoops until the whirlwind settles...
.

What whirlwind? The US is one of the last places on earth that doesn't handle the chip cards. Visa, Mastercard and WallyWorld had to force the banks to change.
If you have a chargeback and you don't have a chip enabled machine.. you lose... automatically. Each and every time.
Why is everyone seem so afraid of every little change? Do you want more security? Less fraud?
One more important note... unlike a swiped card, the chip actually proves that the card was presented. So the guest's only way to claim that they weren't there is to actually claim the card was stolen. It means that they can't try a chargeback after staying with you without declaring the card stolen... in other words, they would need to commit fraud to back out of paying you if the card was presented.
.

Just saying we are waiting until the rush to meet the deadline is over.
Are you sure that if we have a legitimate signature charge backs won't be upheld?
Also, about 65% or more of my charges are keyed.
.

Just saying we are waiting until the rush to meet the deadline is over. Are you sure that if we have a legitimate signature charge backs won't be upheld? Also, about 65% or more of my charges are keyed.

Most places around here have not changed as of yet. I've talked to a few small business owners that I know and they claim to have not even heard about the change.
.

Just saying we are waiting until the rush to meet the deadline is over. Are you sure that if we have a legitimate signature charge backs won't be upheld? Also, about 65% or more of my charges are keyed.

Most places around here have not changed as of yet. I've talked to a few small business owners that I know and they claim to have not even heard about the change.

I don't know about this thru my processor, I know about it because I read industry news and hang out here.Every merchant should get a mailing from their processor explaining this. But they won't.

 

[Generic]

So just to explain for anyone who doesn't know -- "Starting October 1, if you swipe the magstripe on the back of a chip card instead of dipping the chip, the liability for certain kinds of fraud shifts from the bank to you."
Not everyone will have chip cards right away, so you will still be swiping mag stripes, but when you are presented with a chip card, you should be dipping the card in a chip-card reader rather than swiping the card through a mag-stripe reader.....

NOPE. Starting October 1st if you aren't equipped to read chip cards, the liability for counterfeit cards shifts to you, regardless of if the card is chip enabled or not. So, if you taken by fraud and you have a chip reader, things haven't changed. If you don't have a chip reader.... you are responsible, not Visa/MC.
Nothing to do with the card having a chip or not. Or if the transaction happens with a chip. It's all about the merchant being chip enabled.
.

It also means that our current credit card machines will still accept chip cards, the only consequence is we eat the charges if it's a bad naughty card. Right? So, no need to jump through hoops until the whirlwind settles...
.

What whirlwind? The US is one of the last places on earth that doesn't handle the chip cards. Visa, Mastercard and WallyWorld had to force the banks to change.
If you have a chargeback and you don't have a chip enabled machine.. you lose... automatically. Each and every time.
Why is everyone seem so afraid of every little change? Do you want more security? Less fraud?
One more important note... unlike a swiped card, the chip actually proves that the card was presented. So the guest's only way to claim that they weren't there is to actually claim the card was stolen. It means that they can't try a chargeback after staying with you without declaring the card stolen... in other words, they would need to commit fraud to back out of paying you if the card was presented.
.

Just saying we are waiting until the rush to meet the deadline is over.
Are you sure that if we have a legitimate signature charge backs won't be upheld?
Also, about 65% or more of my charges are keyed.
.

That's the deal, you aren't chip enabled, you essentially lose every chargeback.
Doesn't matter if they are keyed, telepathically entered or even swiped... you aren't chip enabled, you are accepting the liability for all fraud.
(I've only been warning innkeepers for two years about this deadline.)
.

Just asking, but isn't Fraud different from a guest dispute? That would mean anyone could get their money back if the retailer was using an old processor. Just noticed yesterday that PetSmart hadn't upgraded, when I used my chip-enabled card. Sorry what special diet dog food? We didn't buy that. I could say after October 1.... anyone could say...
We have never had an issue with actual Fraud in ten years... knock on rocks
.

The opposite, in the future. When a guest disputes, you will have chip proof that they were there... the physical card was there. So the only way to dispute is to claim the card was stolen and at that the point the CC company can prosecute them for fraud. It's closing a loophole.
One of the reasons we HATE how the banks in the US have implemented is that they have gone chip & sign. The most insecure way to do this. We are almost universally chip & PIN, the secure way to do this. Even if you have my card, you still need my pin to use it. (Though it doesn't stop CNP theft, but that's the merchant's problem, not mine.
Basically it comes down to this... the chip authenticates differently each time it is used, so there is proof that the card was physically presented.
Stop worrying about what others have or haven't done... protect yourself. You are going to start seeing a world of a difference. I hardly let anyone touch my cards. Some of the merchants used to try to play games to swipe cards into their terminals so they could track your spending... now all they get is the 4 digits... no more card numbers to steal from Home Depot, Target and TJMaxx, they don't store them.

 

[gillumhouse]

I paid the $29 and have the chip reader. For once, I am ahead of the curve.

 

[TheBeachHouse]

So just to explain for anyone who doesn't know -- "Starting October 1, if you swipe the magstripe on the back of a chip card instead of dipping the chip, the liability for certain kinds of fraud shifts from the bank to you."
Not everyone will have chip cards right away, so you will still be swiping mag stripes, but when you are presented with a chip card, you should be dipping the card in a chip-card reader rather than swiping the card through a mag-stripe reader.....

NOPE. Starting October 1st if you aren't equipped to read chip cards, the liability for counterfeit cards shifts to you, regardless of if the card is chip enabled or not. So, if you taken by fraud and you have a chip reader, things haven't changed. If you don't have a chip reader.... you are responsible, not Visa/MC.
Nothing to do with the card having a chip or not. Or if the transaction happens with a chip. It's all about the merchant being chip enabled.
.

It also means that our current credit card machines will still accept chip cards, the only consequence is we eat the charges if it's a bad naughty card. Right? So, no need to jump through hoops until the whirlwind settles...
.

What whirlwind? The US is one of the last places on earth that doesn't handle the chip cards. Visa, Mastercard and WallyWorld had to force the banks to change.
If you have a chargeback and you don't have a chip enabled machine.. you lose... automatically. Each and every time.
Why is everyone seem so afraid of every little change? Do you want more security? Less fraud?
One more important note... unlike a swiped card, the chip actually proves that the card was presented. So the guest's only way to claim that they weren't there is to actually claim the card was stolen. It means that they can't try a chargeback after staying with you without declaring the card stolen... in other words, they would need to commit fraud to back out of paying you if the card was presented.
.

Just saying we are waiting until the rush to meet the deadline is over.
Are you sure that if we have a legitimate signature charge backs won't be upheld?
Also, about 65% or more of my charges are keyed.
.

That's the deal, you aren't chip enabled, you essentially lose every chargeback.
Doesn't matter if they are keyed, telepathically entered or even swiped... you aren't chip enabled, you are accepting the liability for all fraud.
(I've only been warning innkeepers for two years about this deadline.)
.

Just asking, but isn't Fraud different from a guest dispute? That would mean anyone could get their money back if the retailer was using an old processor. Just noticed yesterday that PetSmart hadn't upgraded, when I used my chip-enabled card. Sorry what special diet dog food? We didn't buy that. I could say after October 1.... anyone could say...
We have never had an issue with actual Fraud in ten years... knock on rocks
.

The opposite, in the future. When a guest disputes, you will have chip proof that they were there... the physical card was there. So the only way to dispute is to claim the card was stolen and at that the point the CC company can prosecute them for fraud. It's closing a loophole.
One of the reasons we HATE how the banks in the US have implemented is that they have gone chip & sign. The most insecure way to do this. We are almost universally chip & PIN, the secure way to do this. Even if you have my card, you still need my pin to use it. (Though it doesn't stop CNP theft, but that's the merchant's problem, not mine.
Basically it comes down to this... the chip authenticates differently each time it is used, so there is proof that the card was physically presented.
Stop worrying about what others have or haven't done... protect yourself. You are going to start seeing a world of a difference. I hardly let anyone touch my cards. Some of the merchants used to try to play games to swipe cards into their terminals so they could track your spending... now all they get is the 4 digits... no more card numbers to steal from Home Depot, Target and TJMaxx, they don't store them.
.

people almost never show a card at the inn.
we take a deposit on line. as they leave we say, should we put the balance on the card we have?
so there is no swiping, no typing and no chipping. so I don't see much of a change in routine.

 

[Morticia]

So just to explain for anyone who doesn't know -- "Starting October 1, if you swipe the magstripe on the back of a chip card instead of dipping the chip, the liability for certain kinds of fraud shifts from the bank to you."
Not everyone will have chip cards right away, so you will still be swiping mag stripes, but when you are presented with a chip card, you should be dipping the card in a chip-card reader rather than swiping the card through a mag-stripe reader.....

NOPE. Starting October 1st if you aren't equipped to read chip cards, the liability for counterfeit cards shifts to you, regardless of if the card is chip enabled or not. So, if you taken by fraud and you have a chip reader, things haven't changed. If you don't have a chip reader.... you are responsible, not Visa/MC.
Nothing to do with the card having a chip or not. Or if the transaction happens with a chip. It's all about the merchant being chip enabled.
.

It also means that our current credit card machines will still accept chip cards, the only consequence is we eat the charges if it's a bad naughty card. Right? So, no need to jump through hoops until the whirlwind settles...
.

What whirlwind? The US is one of the last places on earth that doesn't handle the chip cards. Visa, Mastercard and WallyWorld had to force the banks to change.
If you have a chargeback and you don't have a chip enabled machine.. you lose... automatically. Each and every time.
Why is everyone seem so afraid of every little change? Do you want more security? Less fraud?
One more important note... unlike a swiped card, the chip actually proves that the card was presented. So the guest's only way to claim that they weren't there is to actually claim the card was stolen. It means that they can't try a chargeback after staying with you without declaring the card stolen... in other words, they would need to commit fraud to back out of paying you if the card was presented.
.

Just saying we are waiting until the rush to meet the deadline is over.
Are you sure that if we have a legitimate signature charge backs won't be upheld?
Also, about 65% or more of my charges are keyed.
.

That's the deal, you aren't chip enabled, you essentially lose every chargeback.
Doesn't matter if they are keyed, telepathically entered or even swiped... you aren't chip enabled, you are accepting the liability for all fraud.
(I've only been warning innkeepers for two years about this deadline.)
.

Just asking, but isn't Fraud different from a guest dispute? That would mean anyone could get their money back if the retailer was using an old processor. Just noticed yesterday that PetSmart hadn't upgraded, when I used my chip-enabled card. Sorry what special diet dog food? We didn't buy that. I could say after October 1.... anyone could say...
We have never had an issue with actual Fraud in ten years... knock on rocks
.

The opposite, in the future. When a guest disputes, you will have chip proof that they were there... the physical card was there. So the only way to dispute is to claim the card was stolen and at that the point the CC company can prosecute them for fraud. It's closing a loophole.
One of the reasons we HATE how the banks in the US have implemented is that they have gone chip & sign. The most insecure way to do this. We are almost universally chip & PIN, the secure way to do this. Even if you have my card, you still need my pin to use it. (Though it doesn't stop CNP theft, but that's the merchant's problem, not mine.
Basically it comes down to this... the chip authenticates differently each time it is used, so there is proof that the card was physically presented.
Stop worrying about what others have or haven't done... protect yourself. You are going to start seeing a world of a difference. I hardly let anyone touch my cards. Some of the merchants used to try to play games to swipe cards into their terminals so they could track your spending... now all they get is the 4 digits... no more card numbers to steal from Home Depot, Target and TJMaxx, they don't store them.
.

people almost never show a card at the inn.
we take a deposit on line. as they leave we say, should we put the balance on the card we have?
so there is no swiping, no typing and no chipping. so I don't see much of a change in routine.
.

people almost never show a card at the inn.
we take a deposit on line. as they leave we say, should we put the balance on the card we have?
so there is no swiping, no typing and no chipping. so I don't see much of a change in routine.

You sure you want to continue that way? It's a lot more expensive. Plus, what if the card is suddenly 'bad' after you've taken the deposit? Hassle to contact the guest after the fact. Also, if you don't have a signature on any of those receipts you might not have a prayer if someone disputes the charges.
(3 years ago I was taking the deposit 1 week prior to arrival - at the cancellation point - and at least 10% of the cards everyday were bad. These are cards that were supposedly 'good' when the reservation was made. It was a pain.)

 

[Generic]

So just to explain for anyone who doesn't know -- "Starting October 1, if you swipe the magstripe on the back of a chip card instead of dipping the chip, the liability for certain kinds of fraud shifts from the bank to you."
Not everyone will have chip cards right away, so you will still be swiping mag stripes, but when you are presented with a chip card, you should be dipping the card in a chip-card reader rather than swiping the card through a mag-stripe reader.....

NOPE. Starting October 1st if you aren't equipped to read chip cards, the liability for counterfeit cards shifts to you, regardless of if the card is chip enabled or not. So, if you taken by fraud and you have a chip reader, things haven't changed. If you don't have a chip reader.... you are responsible, not Visa/MC.
Nothing to do with the card having a chip or not. Or if the transaction happens with a chip. It's all about the merchant being chip enabled.
.

It also means that our current credit card machines will still accept chip cards, the only consequence is we eat the charges if it's a bad naughty card. Right? So, no need to jump through hoops until the whirlwind settles...
.

What whirlwind? The US is one of the last places on earth that doesn't handle the chip cards. Visa, Mastercard and WallyWorld had to force the banks to change.
If you have a chargeback and you don't have a chip enabled machine.. you lose... automatically. Each and every time.
Why is everyone seem so afraid of every little change? Do you want more security? Less fraud?
One more important note... unlike a swiped card, the chip actually proves that the card was presented. So the guest's only way to claim that they weren't there is to actually claim the card was stolen. It means that they can't try a chargeback after staying with you without declaring the card stolen... in other words, they would need to commit fraud to back out of paying you if the card was presented.
.

Just saying we are waiting until the rush to meet the deadline is over.
Are you sure that if we have a legitimate signature charge backs won't be upheld?
Also, about 65% or more of my charges are keyed.
.

That's the deal, you aren't chip enabled, you essentially lose every chargeback.
Doesn't matter if they are keyed, telepathically entered or even swiped... you aren't chip enabled, you are accepting the liability for all fraud.
(I've only been warning innkeepers for two years about this deadline.)
.

Just asking, but isn't Fraud different from a guest dispute? That would mean anyone could get their money back if the retailer was using an old processor. Just noticed yesterday that PetSmart hadn't upgraded, when I used my chip-enabled card. Sorry what special diet dog food? We didn't buy that. I could say after October 1.... anyone could say...
We have never had an issue with actual Fraud in ten years... knock on rocks
.

The opposite, in the future. When a guest disputes, you will have chip proof that they were there... the physical card was there. So the only way to dispute is to claim the card was stolen and at that the point the CC company can prosecute them for fraud. It's closing a loophole.
One of the reasons we HATE how the banks in the US have implemented is that they have gone chip & sign. The most insecure way to do this. We are almost universally chip & PIN, the secure way to do this. Even if you have my card, you still need my pin to use it. (Though it doesn't stop CNP theft, but that's the merchant's problem, not mine.
Basically it comes down to this... the chip authenticates differently each time it is used, so there is proof that the card was physically presented.
Stop worrying about what others have or haven't done... protect yourself. You are going to start seeing a world of a difference. I hardly let anyone touch my cards. Some of the merchants used to try to play games to swipe cards into their terminals so they could track your spending... now all they get is the 4 digits... no more card numbers to steal from Home Depot, Target and TJMaxx, they don't store them.
.

people almost never show a card at the inn.
we take a deposit on line. as they leave we say, should we put the balance on the card we have?
so there is no swiping, no typing and no chipping. so I don't see much of a change in routine.
.

Have you actually read the MC/Visa hospitality manual? No signature, you lose the chargeback. You need a signature accepting the charge. It's in the manual. Do you have a Visa/MC Priority Check-Out agreement addendum on your contract? (Not to mention the ADF
Also, as we move to chip cards the fraud moved to CNP transactions. (Card Not Present).

 

[TheBeachHouse]

So just to explain for anyone who doesn't know -- "Starting October 1, if you swipe the magstripe on the back of a chip card instead of dipping the chip, the liability for certain kinds of fraud shifts from the bank to you."
Not everyone will have chip cards right away, so you will still be swiping mag stripes, but when you are presented with a chip card, you should be dipping the card in a chip-card reader rather than swiping the card through a mag-stripe reader.....

NOPE. Starting October 1st if you aren't equipped to read chip cards, the liability for counterfeit cards shifts to you, regardless of if the card is chip enabled or not. So, if you taken by fraud and you have a chip reader, things haven't changed. If you don't have a chip reader.... you are responsible, not Visa/MC.
Nothing to do with the card having a chip or not. Or if the transaction happens with a chip. It's all about the merchant being chip enabled.
.

It also means that our current credit card machines will still accept chip cards, the only consequence is we eat the charges if it's a bad naughty card. Right? So, no need to jump through hoops until the whirlwind settles...
.

What whirlwind? The US is one of the last places on earth that doesn't handle the chip cards. Visa, Mastercard and WallyWorld had to force the banks to change.
If you have a chargeback and you don't have a chip enabled machine.. you lose... automatically. Each and every time.
Why is everyone seem so afraid of every little change? Do you want more security? Less fraud?
One more important note... unlike a swiped card, the chip actually proves that the card was presented. So the guest's only way to claim that they weren't there is to actually claim the card was stolen. It means that they can't try a chargeback after staying with you without declaring the card stolen... in other words, they would need to commit fraud to back out of paying you if the card was presented.
.

Just saying we are waiting until the rush to meet the deadline is over.
Are you sure that if we have a legitimate signature charge backs won't be upheld?
Also, about 65% or more of my charges are keyed.
.

That's the deal, you aren't chip enabled, you essentially lose every chargeback.
Doesn't matter if they are keyed, telepathically entered or even swiped... you aren't chip enabled, you are accepting the liability for all fraud.
(I've only been warning innkeepers for two years about this deadline.)
.

Just asking, but isn't Fraud different from a guest dispute? That would mean anyone could get their money back if the retailer was using an old processor. Just noticed yesterday that PetSmart hadn't upgraded, when I used my chip-enabled card. Sorry what special diet dog food? We didn't buy that. I could say after October 1.... anyone could say...
We have never had an issue with actual Fraud in ten years... knock on rocks
.

The opposite, in the future. When a guest disputes, you will have chip proof that they were there... the physical card was there. So the only way to dispute is to claim the card was stolen and at that the point the CC company can prosecute them for fraud. It's closing a loophole.
One of the reasons we HATE how the banks in the US have implemented is that they have gone chip & sign. The most insecure way to do this. We are almost universally chip & PIN, the secure way to do this. Even if you have my card, you still need my pin to use it. (Though it doesn't stop CNP theft, but that's the merchant's problem, not mine.
Basically it comes down to this... the chip authenticates differently each time it is used, so there is proof that the card was physically presented.
Stop worrying about what others have or haven't done... protect yourself. You are going to start seeing a world of a difference. I hardly let anyone touch my cards. Some of the merchants used to try to play games to swipe cards into their terminals so they could track your spending... now all they get is the 4 digits... no more card numbers to steal from Home Depot, Target and TJMaxx, they don't store them.
.

people almost never show a card at the inn.
we take a deposit on line. as they leave we say, should we put the balance on the card we have?
so there is no swiping, no typing and no chipping. so I don't see much of a change in routine.
.

Have you actually read the MC/Visa hospitality manual? No signature, you lose the chargeback. You need a signature accepting the charge. It's in the manual. Do you have a Visa/MC Priority Check-Out agreement addendum on your contract? (Not to mention the ADF
Also, as we move to chip cards the fraud moved to CNP transactions. (Card Not Present).
.

Have you actually read the MC/Visa hospitality manual? No signature, you lose the chargeback. You need a signature accepting the charge. It's in the manual. Do you have a Visa/MC Priority Check-Out agreement addendum on your contract? (Not to mention the ADF
Also, as we move to chip cards the fraud moved to CNP transactions. (Card Not Present).

No. I have not. In two years we have not had a charge back dispute.
I think it is valid and a very good idea to install the chip reader. However, our risk seems small. Not one I want to take, but small.
The truth is, we may already have a chip reader. My husband is in charge of the books and finances. I'm in charge of fruit presentation and room decoration. I haven't had a chance to talk to him about it yet.

 

[TheBeachHouse]

So just to explain for anyone who doesn't know -- "Starting October 1, if you swipe the magstripe on the back of a chip card instead of dipping the chip, the liability for certain kinds of fraud shifts from the bank to you."
Not everyone will have chip cards right away, so you will still be swiping mag stripes, but when you are presented with a chip card, you should be dipping the card in a chip-card reader rather than swiping the card through a mag-stripe reader.....

NOPE. Starting October 1st if you aren't equipped to read chip cards, the liability for counterfeit cards shifts to you, regardless of if the card is chip enabled or not. So, if you taken by fraud and you have a chip reader, things haven't changed. If you don't have a chip reader.... you are responsible, not Visa/MC.
Nothing to do with the card having a chip or not. Or if the transaction happens with a chip. It's all about the merchant being chip enabled.
.

It also means that our current credit card machines will still accept chip cards, the only consequence is we eat the charges if it's a bad naughty card. Right? So, no need to jump through hoops until the whirlwind settles...
.

What whirlwind? The US is one of the last places on earth that doesn't handle the chip cards. Visa, Mastercard and WallyWorld had to force the banks to change.
If you have a chargeback and you don't have a chip enabled machine.. you lose... automatically. Each and every time.
Why is everyone seem so afraid of every little change? Do you want more security? Less fraud?
One more important note... unlike a swiped card, the chip actually proves that the card was presented. So the guest's only way to claim that they weren't there is to actually claim the card was stolen. It means that they can't try a chargeback after staying with you without declaring the card stolen... in other words, they would need to commit fraud to back out of paying you if the card was presented.
.

Just saying we are waiting until the rush to meet the deadline is over.
Are you sure that if we have a legitimate signature charge backs won't be upheld?
Also, about 65% or more of my charges are keyed.
.

That's the deal, you aren't chip enabled, you essentially lose every chargeback.
Doesn't matter if they are keyed, telepathically entered or even swiped... you aren't chip enabled, you are accepting the liability for all fraud.
(I've only been warning innkeepers for two years about this deadline.)
.

Just asking, but isn't Fraud different from a guest dispute? That would mean anyone could get their money back if the retailer was using an old processor. Just noticed yesterday that PetSmart hadn't upgraded, when I used my chip-enabled card. Sorry what special diet dog food? We didn't buy that. I could say after October 1.... anyone could say...
We have never had an issue with actual Fraud in ten years... knock on rocks
.

The opposite, in the future. When a guest disputes, you will have chip proof that they were there... the physical card was there. So the only way to dispute is to claim the card was stolen and at that the point the CC company can prosecute them for fraud. It's closing a loophole.
One of the reasons we HATE how the banks in the US have implemented is that they have gone chip & sign. The most insecure way to do this. We are almost universally chip & PIN, the secure way to do this. Even if you have my card, you still need my pin to use it. (Though it doesn't stop CNP theft, but that's the merchant's problem, not mine.
Basically it comes down to this... the chip authenticates differently each time it is used, so there is proof that the card was physically presented.
Stop worrying about what others have or haven't done... protect yourself. You are going to start seeing a world of a difference. I hardly let anyone touch my cards. Some of the merchants used to try to play games to swipe cards into their terminals so they could track your spending... now all they get is the 4 digits... no more card numbers to steal from Home Depot, Target and TJMaxx, they don't store them.
.

people almost never show a card at the inn.
we take a deposit on line. as they leave we say, should we put the balance on the card we have?
so there is no swiping, no typing and no chipping. so I don't see much of a change in routine.
.

people almost never show a card at the inn.
we take a deposit on line. as they leave we say, should we put the balance on the card we have?
so there is no swiping, no typing and no chipping. so I don't see much of a change in routine.

You sure you want to continue that way? It's a lot more expensive. Plus, what if the card is suddenly 'bad' after you've taken the deposit? Hassle to contact the guest after the fact. Also, if you don't have a signature on any of those receipts you might not have a prayer if someone disputes the charges.
(3 years ago I was taking the deposit 1 week prior to arrival - at the cancellation point - and at least 10% of the cards everyday were bad. These are cards that were supposedly 'good' when the reservation was made. It was a pain.)
.

people almost never show a card at the inn.
we take a deposit on line. as they leave we say, should we put the balance on the card we have?
so there is no swiping, no typing and no chipping. so I don't see much of a change in routine.

You sure you want to continue that way? It's a lot more expensive. Plus, what if the card is suddenly 'bad' after you've taken the deposit? Hassle to contact the guest after the fact. Also, if you don't have a signature on any of those receipts you might not have a prayer if someone disputes the charges.
(3 years ago I was taking the deposit 1 week prior to arrival - at the cancellation point - and at least 10% of the cards everyday were bad. These are cards that were supposedly 'good' when the reservation was made. It was a pain.)

We have had cards that expire between reservation and check out. We ask for another and always get one.

 

[Generic]

So just to explain for anyone who doesn't know -- "Starting October 1, if you swipe the magstripe on the back of a chip card instead of dipping the chip, the liability for certain kinds of fraud shifts from the bank to you."
Not everyone will have chip cards right away, so you will still be swiping mag stripes, but when you are presented with a chip card, you should be dipping the card in a chip-card reader rather than swiping the card through a mag-stripe reader.....

NOPE. Starting October 1st if you aren't equipped to read chip cards, the liability for counterfeit cards shifts to you, regardless of if the card is chip enabled or not. So, if you taken by fraud and you have a chip reader, things haven't changed. If you don't have a chip reader.... you are responsible, not Visa/MC.
Nothing to do with the card having a chip or not. Or if the transaction happens with a chip. It's all about the merchant being chip enabled.
.

It also means that our current credit card machines will still accept chip cards, the only consequence is we eat the charges if it's a bad naughty card. Right? So, no need to jump through hoops until the whirlwind settles...
.

What whirlwind? The US is one of the last places on earth that doesn't handle the chip cards. Visa, Mastercard and WallyWorld had to force the banks to change.
If you have a chargeback and you don't have a chip enabled machine.. you lose... automatically. Each and every time.
Why is everyone seem so afraid of every little change? Do you want more security? Less fraud?
One more important note... unlike a swiped card, the chip actually proves that the card was presented. So the guest's only way to claim that they weren't there is to actually claim the card was stolen. It means that they can't try a chargeback after staying with you without declaring the card stolen... in other words, they would need to commit fraud to back out of paying you if the card was presented.
.

Just saying we are waiting until the rush to meet the deadline is over.
Are you sure that if we have a legitimate signature charge backs won't be upheld?
Also, about 65% or more of my charges are keyed.
.

That's the deal, you aren't chip enabled, you essentially lose every chargeback.
Doesn't matter if they are keyed, telepathically entered or even swiped... you aren't chip enabled, you are accepting the liability for all fraud.
(I've only been warning innkeepers for two years about this deadline.)
.

Just asking, but isn't Fraud different from a guest dispute? That would mean anyone could get their money back if the retailer was using an old processor. Just noticed yesterday that PetSmart hadn't upgraded, when I used my chip-enabled card. Sorry what special diet dog food? We didn't buy that. I could say after October 1.... anyone could say...
We have never had an issue with actual Fraud in ten years... knock on rocks
.

The opposite, in the future. When a guest disputes, you will have chip proof that they were there... the physical card was there. So the only way to dispute is to claim the card was stolen and at that the point the CC company can prosecute them for fraud. It's closing a loophole.
One of the reasons we HATE how the banks in the US have implemented is that they have gone chip & sign. The most insecure way to do this. We are almost universally chip & PIN, the secure way to do this. Even if you have my card, you still need my pin to use it. (Though it doesn't stop CNP theft, but that's the merchant's problem, not mine.
Basically it comes down to this... the chip authenticates differently each time it is used, so there is proof that the card was physically presented.
Stop worrying about what others have or haven't done... protect yourself. You are going to start seeing a world of a difference. I hardly let anyone touch my cards. Some of the merchants used to try to play games to swipe cards into their terminals so they could track your spending... now all they get is the 4 digits... no more card numbers to steal from Home Depot, Target and TJMaxx, they don't store them.
.

people almost never show a card at the inn.
we take a deposit on line. as they leave we say, should we put the balance on the card we have?
so there is no swiping, no typing and no chipping. so I don't see much of a change in routine.
.

Have you actually read the MC/Visa hospitality manual? No signature, you lose the chargeback. You need a signature accepting the charge. It's in the manual. Do you have a Visa/MC Priority Check-Out agreement addendum on your contract? (Not to mention the ADF
Also, as we move to chip cards the fraud moved to CNP transactions. (Card Not Present).
.

Have you actually read the MC/Visa hospitality manual? No signature, you lose the chargeback. You need a signature accepting the charge. It's in the manual. Do you have a Visa/MC Priority Check-Out agreement addendum on your contract? (Not to mention the ADF
Also, as we move to chip cards the fraud moved to CNP transactions. (Card Not Present).

No. I have not. In two years we have not had a charge back dispute.
I think it is valid and a very good idea to install the chip reader. However, our risk seems small. Not one I want to take, but small.
The truth is, we may already have a chip reader. My husband is in charge of the books and finances. I'm in charge of fruit presentation and room decoration. I haven't had a chance to talk to him about it yet.
.

As I said, as the chip cards come in, the fraud for CNP transactions skyrockets. And your agreement actually requires you to show some sort of signature proof of accepting the charge when a chargeback does come.
Many people don't realize they need a special agreement to do check-out without a signature.

 

[Anon Inn]

I paid the $29 and have the chip reader. For once, I am ahead of the curve..

still waiting!
On the other hand, my order of soap is due to arrive today. Good thing. I'm down to my last 10 bars!

 

[Morticia]

So just to explain for anyone who doesn't know -- "Starting October 1, if you swipe the magstripe on the back of a chip card instead of dipping the chip, the liability for certain kinds of fraud shifts from the bank to you."
Not everyone will have chip cards right away, so you will still be swiping mag stripes, but when you are presented with a chip card, you should be dipping the card in a chip-card reader rather than swiping the card through a mag-stripe reader.....

NOPE. Starting October 1st if you aren't equipped to read chip cards, the liability for counterfeit cards shifts to you, regardless of if the card is chip enabled or not. So, if you taken by fraud and you have a chip reader, things haven't changed. If you don't have a chip reader.... you are responsible, not Visa/MC.
Nothing to do with the card having a chip or not. Or if the transaction happens with a chip. It's all about the merchant being chip enabled.
.

It also means that our current credit card machines will still accept chip cards, the only consequence is we eat the charges if it's a bad naughty card. Right? So, no need to jump through hoops until the whirlwind settles...
.

What whirlwind? The US is one of the last places on earth that doesn't handle the chip cards. Visa, Mastercard and WallyWorld had to force the banks to change.
If you have a chargeback and you don't have a chip enabled machine.. you lose... automatically. Each and every time.
Why is everyone seem so afraid of every little change? Do you want more security? Less fraud?
One more important note... unlike a swiped card, the chip actually proves that the card was presented. So the guest's only way to claim that they weren't there is to actually claim the card was stolen. It means that they can't try a chargeback after staying with you without declaring the card stolen... in other words, they would need to commit fraud to back out of paying you if the card was presented.
.

Just saying we are waiting until the rush to meet the deadline is over.
Are you sure that if we have a legitimate signature charge backs won't be upheld?
Also, about 65% or more of my charges are keyed.
.

That's the deal, you aren't chip enabled, you essentially lose every chargeback.
Doesn't matter if they are keyed, telepathically entered or even swiped... you aren't chip enabled, you are accepting the liability for all fraud.
(I've only been warning innkeepers for two years about this deadline.)
.

Just asking, but isn't Fraud different from a guest dispute? That would mean anyone could get their money back if the retailer was using an old processor. Just noticed yesterday that PetSmart hadn't upgraded, when I used my chip-enabled card. Sorry what special diet dog food? We didn't buy that. I could say after October 1.... anyone could say...
We have never had an issue with actual Fraud in ten years... knock on rocks
.

The opposite, in the future. When a guest disputes, you will have chip proof that they were there... the physical card was there. So the only way to dispute is to claim the card was stolen and at that the point the CC company can prosecute them for fraud. It's closing a loophole.
One of the reasons we HATE how the banks in the US have implemented is that they have gone chip & sign. The most insecure way to do this. We are almost universally chip & PIN, the secure way to do this. Even if you have my card, you still need my pin to use it. (Though it doesn't stop CNP theft, but that's the merchant's problem, not mine.
Basically it comes down to this... the chip authenticates differently each time it is used, so there is proof that the card was physically presented.
Stop worrying about what others have or haven't done... protect yourself. You are going to start seeing a world of a difference. I hardly let anyone touch my cards. Some of the merchants used to try to play games to swipe cards into their terminals so they could track your spending... now all they get is the 4 digits... no more card numbers to steal from Home Depot, Target and TJMaxx, they don't store them.
.

people almost never show a card at the inn.
we take a deposit on line. as they leave we say, should we put the balance on the card we have?
so there is no swiping, no typing and no chipping. so I don't see much of a change in routine.
.

Have you actually read the MC/Visa hospitality manual? No signature, you lose the chargeback. You need a signature accepting the charge. It's in the manual. Do you have a Visa/MC Priority Check-Out agreement addendum on your contract? (Not to mention the ADF
Also, as we move to chip cards the fraud moved to CNP transactions. (Card Not Present).
.

Have you actually read the MC/Visa hospitality manual? No signature, you lose the chargeback. You need a signature accepting the charge. It's in the manual. Do you have a Visa/MC Priority Check-Out agreement addendum on your contract? (Not to mention the ADF
Also, as we move to chip cards the fraud moved to CNP transactions. (Card Not Present).

No. I have not. In two years we have not had a charge back dispute.
I think it is valid and a very good idea to install the chip reader. However, our risk seems small. Not one I want to take, but small.
The truth is, we may already have a chip reader. My husband is in charge of the books and finances. I'm in charge of fruit presentation and room decoration. I haven't had a chance to talk to him about it yet.
.

As I said, as the chip cards come in, the fraud for CNP transactions skyrockets. And your agreement actually requires you to show some sort of signature proof of accepting the charge when a chargeback does come.
Many people don't realize they need a special agreement to do check-out without a signature.
.

As I said, as the chip cards come in, the fraud for CNP transactions skyrockets. And your agreement actually requires you to show some sort of signature proof of accepting the charge when a chargeback does come.
Many people don't realize they need a special agreement to do check-out without a signature.

How about deposits? Being as it seems you actually read that 50 pages of fine print. We always have guests sign the deposit slip, too. And the registration form.

 

[Generic]

So just to explain for anyone who doesn't know -- "Starting October 1, if you swipe the magstripe on the back of a chip card instead of dipping the chip, the liability for certain kinds of fraud shifts from the bank to you."
Not everyone will have chip cards right away, so you will still be swiping mag stripes, but when you are presented with a chip card, you should be dipping the card in a chip-card reader rather than swiping the card through a mag-stripe reader.....

NOPE. Starting October 1st if you aren't equipped to read chip cards, the liability for counterfeit cards shifts to you, regardless of if the card is chip enabled or not. So, if you taken by fraud and you have a chip reader, things haven't changed. If you don't have a chip reader.... you are responsible, not Visa/MC.
Nothing to do with the card having a chip or not. Or if the transaction happens with a chip. It's all about the merchant being chip enabled.
.

It also means that our current credit card machines will still accept chip cards, the only consequence is we eat the charges if it's a bad naughty card. Right? So, no need to jump through hoops until the whirlwind settles...
.

What whirlwind? The US is one of the last places on earth that doesn't handle the chip cards. Visa, Mastercard and WallyWorld had to force the banks to change.
If you have a chargeback and you don't have a chip enabled machine.. you lose... automatically. Each and every time.
Why is everyone seem so afraid of every little change? Do you want more security? Less fraud?
One more important note... unlike a swiped card, the chip actually proves that the card was presented. So the guest's only way to claim that they weren't there is to actually claim the card was stolen. It means that they can't try a chargeback after staying with you without declaring the card stolen... in other words, they would need to commit fraud to back out of paying you if the card was presented.
.

Just saying we are waiting until the rush to meet the deadline is over.
Are you sure that if we have a legitimate signature charge backs won't be upheld?
Also, about 65% or more of my charges are keyed.
.

That's the deal, you aren't chip enabled, you essentially lose every chargeback.
Doesn't matter if they are keyed, telepathically entered or even swiped... you aren't chip enabled, you are accepting the liability for all fraud.
(I've only been warning innkeepers for two years about this deadline.)
.

Just asking, but isn't Fraud different from a guest dispute? That would mean anyone could get their money back if the retailer was using an old processor. Just noticed yesterday that PetSmart hadn't upgraded, when I used my chip-enabled card. Sorry what special diet dog food? We didn't buy that. I could say after October 1.... anyone could say...
We have never had an issue with actual Fraud in ten years... knock on rocks
.

The opposite, in the future. When a guest disputes, you will have chip proof that they were there... the physical card was there. So the only way to dispute is to claim the card was stolen and at that the point the CC company can prosecute them for fraud. It's closing a loophole.
One of the reasons we HATE how the banks in the US have implemented is that they have gone chip & sign. The most insecure way to do this. We are almost universally chip & PIN, the secure way to do this. Even if you have my card, you still need my pin to use it. (Though it doesn't stop CNP theft, but that's the merchant's problem, not mine.
Basically it comes down to this... the chip authenticates differently each time it is used, so there is proof that the card was physically presented.
Stop worrying about what others have or haven't done... protect yourself. You are going to start seeing a world of a difference. I hardly let anyone touch my cards. Some of the merchants used to try to play games to swipe cards into their terminals so they could track your spending... now all they get is the 4 digits... no more card numbers to steal from Home Depot, Target and TJMaxx, they don't store them.
.

people almost never show a card at the inn.
we take a deposit on line. as they leave we say, should we put the balance on the card we have?
so there is no swiping, no typing and no chipping. so I don't see much of a change in routine.
.

Have you actually read the MC/Visa hospitality manual? No signature, you lose the chargeback. You need a signature accepting the charge. It's in the manual. Do you have a Visa/MC Priority Check-Out agreement addendum on your contract? (Not to mention the ADF
Also, as we move to chip cards the fraud moved to CNP transactions. (Card Not Present).
.

Have you actually read the MC/Visa hospitality manual? No signature, you lose the chargeback. You need a signature accepting the charge. It's in the manual. Do you have a Visa/MC Priority Check-Out agreement addendum on your contract? (Not to mention the ADF
Also, as we move to chip cards the fraud moved to CNP transactions. (Card Not Present).

No. I have not. In two years we have not had a charge back dispute.
I think it is valid and a very good idea to install the chip reader. However, our risk seems small. Not one I want to take, but small.
The truth is, we may already have a chip reader. My husband is in charge of the books and finances. I'm in charge of fruit presentation and room decoration. I haven't had a chance to talk to him about it yet.
.

As I said, as the chip cards come in, the fraud for CNP transactions skyrockets. And your agreement actually requires you to show some sort of signature proof of accepting the charge when a chargeback does come.
Many people don't realize they need a special agreement to do check-out without a signature.
.

As I said, as the chip cards come in, the fraud for CNP transactions skyrockets. And your agreement actually requires you to show some sort of signature proof of accepting the charge when a chargeback does come.
Many people don't realize they need a special agreement to do check-out without a signature.

How about deposits? Being as it seems you actually read that 50 pages of fine print. We always have guests sign the deposit slip, too. And the registration form.
.

Yup. They are different from USA, but see http://usa.visa.com/download/merchants/visa-acceptance-guide-lodging-industry.pdf and it's called the the T&E Advance Deposit Service in the US.
And the whole thing about cards being invalid if not signed is on page 34. It specifically says not to accept it if it is not signed properly.

 

[Morticia]

So just to explain for anyone who doesn't know -- "Starting October 1, if you swipe the magstripe on the back of a chip card instead of dipping the chip, the liability for certain kinds of fraud shifts from the bank to you."
Not everyone will have chip cards right away, so you will still be swiping mag stripes, but when you are presented with a chip card, you should be dipping the card in a chip-card reader rather than swiping the card through a mag-stripe reader.....

NOPE. Starting October 1st if you aren't equipped to read chip cards, the liability for counterfeit cards shifts to you, regardless of if the card is chip enabled or not. So, if you taken by fraud and you have a chip reader, things haven't changed. If you don't have a chip reader.... you are responsible, not Visa/MC.
Nothing to do with the card having a chip or not. Or if the transaction happens with a chip. It's all about the merchant being chip enabled.
.

It also means that our current credit card machines will still accept chip cards, the only consequence is we eat the charges if it's a bad naughty card. Right? So, no need to jump through hoops until the whirlwind settles...
.

What whirlwind? The US is one of the last places on earth that doesn't handle the chip cards. Visa, Mastercard and WallyWorld had to force the banks to change.
If you have a chargeback and you don't have a chip enabled machine.. you lose... automatically. Each and every time.
Why is everyone seem so afraid of every little change? Do you want more security? Less fraud?
One more important note... unlike a swiped card, the chip actually proves that the card was presented. So the guest's only way to claim that they weren't there is to actually claim the card was stolen. It means that they can't try a chargeback after staying with you without declaring the card stolen... in other words, they would need to commit fraud to back out of paying you if the card was presented.
.

Just saying we are waiting until the rush to meet the deadline is over.
Are you sure that if we have a legitimate signature charge backs won't be upheld?
Also, about 65% or more of my charges are keyed.
.

That's the deal, you aren't chip enabled, you essentially lose every chargeback.
Doesn't matter if they are keyed, telepathically entered or even swiped... you aren't chip enabled, you are accepting the liability for all fraud.
(I've only been warning innkeepers for two years about this deadline.)
.

Just asking, but isn't Fraud different from a guest dispute? That would mean anyone could get their money back if the retailer was using an old processor. Just noticed yesterday that PetSmart hadn't upgraded, when I used my chip-enabled card. Sorry what special diet dog food? We didn't buy that. I could say after October 1.... anyone could say...
We have never had an issue with actual Fraud in ten years... knock on rocks
.

The opposite, in the future. When a guest disputes, you will have chip proof that they were there... the physical card was there. So the only way to dispute is to claim the card was stolen and at that the point the CC company can prosecute them for fraud. It's closing a loophole.
One of the reasons we HATE how the banks in the US have implemented is that they have gone chip & sign. The most insecure way to do this. We are almost universally chip & PIN, the secure way to do this. Even if you have my card, you still need my pin to use it. (Though it doesn't stop CNP theft, but that's the merchant's problem, not mine.
Basically it comes down to this... the chip authenticates differently each time it is used, so there is proof that the card was physically presented.
Stop worrying about what others have or haven't done... protect yourself. You are going to start seeing a world of a difference. I hardly let anyone touch my cards. Some of the merchants used to try to play games to swipe cards into their terminals so they could track your spending... now all they get is the 4 digits... no more card numbers to steal from Home Depot, Target and TJMaxx, they don't store them.
.

people almost never show a card at the inn.
we take a deposit on line. as they leave we say, should we put the balance on the card we have?
so there is no swiping, no typing and no chipping. so I don't see much of a change in routine.
.

Have you actually read the MC/Visa hospitality manual? No signature, you lose the chargeback. You need a signature accepting the charge. It's in the manual. Do you have a Visa/MC Priority Check-Out agreement addendum on your contract? (Not to mention the ADF
Also, as we move to chip cards the fraud moved to CNP transactions. (Card Not Present).
.

Have you actually read the MC/Visa hospitality manual? No signature, you lose the chargeback. You need a signature accepting the charge. It's in the manual. Do you have a Visa/MC Priority Check-Out agreement addendum on your contract? (Not to mention the ADF
Also, as we move to chip cards the fraud moved to CNP transactions. (Card Not Present).

No. I have not. In two years we have not had a charge back dispute.
I think it is valid and a very good idea to install the chip reader. However, our risk seems small. Not one I want to take, but small.
The truth is, we may already have a chip reader. My husband is in charge of the books and finances. I'm in charge of fruit presentation and room decoration. I haven't had a chance to talk to him about it yet.
.

As I said, as the chip cards come in, the fraud for CNP transactions skyrockets. And your agreement actually requires you to show some sort of signature proof of accepting the charge when a chargeback does come.
Many people don't realize they need a special agreement to do check-out without a signature.
.

As I said, as the chip cards come in, the fraud for CNP transactions skyrockets. And your agreement actually requires you to show some sort of signature proof of accepting the charge when a chargeback does come.
Many people don't realize they need a special agreement to do check-out without a signature.

How about deposits? Being as it seems you actually read that 50 pages of fine print. We always have guests sign the deposit slip, too. And the registration form.
.

Yup. They are different from USA, but see http://usa.visa.com/download/merchants/visa-acceptance-guide-lodging-industry.pdf and it's called the the T&E Advance Deposit Service in the US.
And the whole thing about cards being invalid if not signed is on page 34. It specifically says not to accept it if it is not signed properly.
.

Yup. They are different from USA, but see http://usa.visa.com/download/merchants/visa-acceptance-guide-lodging-industry.pdf and it's called the the T&E Advance Deposit Service in the US.
And the whole thing about cards being invalid if not signed is on page 34. It specifically says not to accept it if it is not signed properly.

99% of the cards I get are not signed. No idea how they use them at stores, but they do. Some have 'ask for ID' in the signature space. Really? Like I'm an expert graphologist? And ID? Some people had their ID photo taken 50lbs and 20 years ago.
How many people would actually sign the card in front of me if I posted that page with its info? None. This is what I've heard: If I sign the card anyone can forge my sig.

 

[Generic]

So just to explain for anyone who doesn't know -- "Starting October 1, if you swipe the magstripe on the back of a chip card instead of dipping the chip, the liability for certain kinds of fraud shifts from the bank to you."
Not everyone will have chip cards right away, so you will still be swiping mag stripes, but when you are presented with a chip card, you should be dipping the card in a chip-card reader rather than swiping the card through a mag-stripe reader.....

NOPE. Starting October 1st if you aren't equipped to read chip cards, the liability for counterfeit cards shifts to you, regardless of if the card is chip enabled or not. So, if you taken by fraud and you have a chip reader, things haven't changed. If you don't have a chip reader.... you are responsible, not Visa/MC.
Nothing to do with the card having a chip or not. Or if the transaction happens with a chip. It's all about the merchant being chip enabled.
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It also means that our current credit card machines will still accept chip cards, the only consequence is we eat the charges if it's a bad naughty card. Right? So, no need to jump through hoops until the whirlwind settles...
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What whirlwind? The US is one of the last places on earth that doesn't handle the chip cards. Visa, Mastercard and WallyWorld had to force the banks to change.
If you have a chargeback and you don't have a chip enabled machine.. you lose... automatically. Each and every time.
Why is everyone seem so afraid of every little change? Do you want more security? Less fraud?
One more important note... unlike a swiped card, the chip actually proves that the card was presented. So the guest's only way to claim that they weren't there is to actually claim the card was stolen. It means that they can't try a chargeback after staying with you without declaring the card stolen... in other words, they would need to commit fraud to back out of paying you if the card was presented.
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Just saying we are waiting until the rush to meet the deadline is over.
Are you sure that if we have a legitimate signature charge backs won't be upheld?
Also, about 65% or more of my charges are keyed.
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That's the deal, you aren't chip enabled, you essentially lose every chargeback.
Doesn't matter if they are keyed, telepathically entered or even swiped... you aren't chip enabled, you are accepting the liability for all fraud.
(I've only been warning innkeepers for two years about this deadline.)
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Just asking, but isn't Fraud different from a guest dispute? That would mean anyone could get their money back if the retailer was using an old processor. Just noticed yesterday that PetSmart hadn't upgraded, when I used my chip-enabled card. Sorry what special diet dog food? We didn't buy that. I could say after October 1.... anyone could say...
We have never had an issue with actual Fraud in ten years... knock on rocks
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The opposite, in the future. When a guest disputes, you will have chip proof that they were there... the physical card was there. So the only way to dispute is to claim the card was stolen and at that the point the CC company can prosecute them for fraud. It's closing a loophole.
One of the reasons we HATE how the banks in the US have implemented is that they have gone chip & sign. The most insecure way to do this. We are almost universally chip & PIN, the secure way to do this. Even if you have my card, you still need my pin to use it. (Though it doesn't stop CNP theft, but that's the merchant's problem, not mine.
Basically it comes down to this... the chip authenticates differently each time it is used, so there is proof that the card was physically presented.
Stop worrying about what others have or haven't done... protect yourself. You are going to start seeing a world of a difference. I hardly let anyone touch my cards. Some of the merchants used to try to play games to swipe cards into their terminals so they could track your spending... now all they get is the 4 digits... no more card numbers to steal from Home Depot, Target and TJMaxx, they don't store them.
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people almost never show a card at the inn.
we take a deposit on line. as they leave we say, should we put the balance on the card we have?
so there is no swiping, no typing and no chipping. so I don't see much of a change in routine.
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Have you actually read the MC/Visa hospitality manual? No signature, you lose the chargeback. You need a signature accepting the charge. It's in the manual. Do you have a Visa/MC Priority Check-Out agreement addendum on your contract? (Not to mention the ADF
Also, as we move to chip cards the fraud moved to CNP transactions. (Card Not Present).
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Have you actually read the MC/Visa hospitality manual? No signature, you lose the chargeback. You need a signature accepting the charge. It's in the manual. Do you have a Visa/MC Priority Check-Out agreement addendum on your contract? (Not to mention the ADF
Also, as we move to chip cards the fraud moved to CNP transactions. (Card Not Present).

No. I have not. In two years we have not had a charge back dispute.
I think it is valid and a very good idea to install the chip reader. However, our risk seems small. Not one I want to take, but small.
The truth is, we may already have a chip reader. My husband is in charge of the books and finances. I'm in charge of fruit presentation and room decoration. I haven't had a chance to talk to him about it yet.
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As I said, as the chip cards come in, the fraud for CNP transactions skyrockets. And your agreement actually requires you to show some sort of signature proof of accepting the charge when a chargeback does come.
Many people don't realize they need a special agreement to do check-out without a signature.
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As I said, as the chip cards come in, the fraud for CNP transactions skyrockets. And your agreement actually requires you to show some sort of signature proof of accepting the charge when a chargeback does come.
Many people don't realize they need a special agreement to do check-out without a signature.

How about deposits? Being as it seems you actually read that 50 pages of fine print. We always have guests sign the deposit slip, too. And the registration form.
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Yup. They are different from USA, but see http://usa.visa.com/download/merchants/visa-acceptance-guide-lodging-industry.pdf and it's called the the T&E Advance Deposit Service in the US.
And the whole thing about cards being invalid if not signed is on page 34. It specifically says not to accept it if it is not signed properly.
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Yup. They are different from USA, but see http://usa.visa.com/download/merchants/visa-acceptance-guide-lodging-industry.pdf and it's called the the T&E Advance Deposit Service in the US.
And the whole thing about cards being invalid if not signed is on page 34. It specifically says not to accept it if it is not signed properly.

99% of the cards I get are not signed. No idea how they use them at stores, but they do. Some have 'ask for ID' in the signature space. Really? Like I'm an expert graphologist? And ID? Some people had their ID photo taken 50lbs and 20 years ago.
How many people would actually sign the card in front of me if I posted that page with its info? None. This is what I've heard: If I sign the card anyone can forge my sig.
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I know. But here we generally refuse a card that is unsigned or has "see ID" on it. Worst part, it says right below the signature panel "card not valid unless signed". I point at that and say "sorry." I've had one or two sign it at that point.
It's damn hard to forge a signature. If you leave it unsigned they don't have to worry about forging it, they just sign it and the signatures will match. Worse, Visa/MC can actually refuse to cover you with their liability coverage because you left it unsigned.
I hate being put into that situation. But I also hate the idea of being ripped off even more. With locals I don't have to worry about it, no signature needed, just a PIN. I don't even have to touch the card. But with signature cards I have to check. Takes it from good security to bad.