General transactions. Upon receiving the debit card, the cardholder must sign immediately at the back of the card to reduce the chances of it being misused by a third party. When using the debit card for a purchase, the cardholder will be presented with a sales slip which the cardholder is required to verify the details before signing. The cardholder should retain a receipt copy of the sales slip for future reference. In situations where the merchant has agreed to return goods, cancel transactions, terminate services, switch purchased items or alter the price of a transaction made with the debit card, the cardholder shall obtain a sales return slip from the merchant and sign after confirming all details. The cardholder should retain a receipt copy of the sales return slip for future reference. However, where agreed between the cardholder and the merchant, certificates or other proofs of sales return may be used instead. Merchants may reject the cardholder's debit card transactions in the following circumstances:
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