In Person Charges. For all In Person Charges, the Card must be presented and you must:
(i) follow the Card acceptance steps outlined below in paragraphs 1.c to 1.f as applicable; and
(ii) obtain an Authorisation. You must not accept a Card that is visibly altered or mutilated, or presented by anyone other than the Cardmember (Cards are not transferable), and, if a transaction is declined, you must notify the Cardmember immediately (save as provided in paragraph 1.f below).
In Person Charges. In-person charges refer to charges in which the Card and Cardholder are present at the point of sale. An example of this is when a Cardholder presents a Card to the merchant at a retail store. For all in-person charges, the Card must be presented. There are several ways in which you can conduct the in-person Charge. The steps you take vary according to how you go about conducting both types of in-person charges.
In Person Charges. Unattended Terminals
1) We will accept Charges for purchases at your unattended terminals (e.g. CATs or payment kiosks) subject to the requirements of section 1.2 above and the following additional requirements: • Include all requests for Authorization, the full magnetic stripe data stream; • Ensure the Charge complies with the specifications, including flagging all requests for Authorization and all Charge submissions with a CAT indicator; • Follow any additional Authorization procedures that we may provide to you if you accept the Card at an unattended terminal that is part of, or attached to, a fuel dispenser (for example); and • Ensure that the unattended terminal notifies the Cardmember if the transaction is declined.
2) In the event that an unattended terminal is not configured for Chip and PIN transactions, then you may still accept the Card and the provisions of sections 1.2 and 1.2.1 above shall not apply in relation to entering the PIN. However, if you do so, you will be liable for any losses and we will have Chargeback rights for fraudulent Charges if the Charge was not a Chip and PIN transaction.
In Person Charges non-Chip Cards
1) For In Person Charges where for whatever reason the Chip is not readable, you must swipe the Card through the terminal.
2) You must also: • match the Card number on the front and, if present, on the back of the Card, as well as the Card expiration date, to the same information on the Charge Record; and • ensure the name that prints on the Charge Record (if applicable) matches the name on the front of the Card.
3) If your POS Terminal fails, then in addition, you must seek a voice Authorization (as further described in section 2 below).
4) If the magnetic stripe is unreadable, the Charge may be keyed into the terminal manually and you must obtain an imprint of the Card to verify that the Card was present. If you do not take a manual imprint where required, and make it available to us on request, we will have Chargeback rights for such Charge. Where a Charge is keyed into the terminal manually, we will have Chargeback rights as set out in section 1.2.1 (4) above.
In Person Charges a. What actions must be taken for all In Person Charges?
b. You must not accept a Card:
c. If a transaction is declined:
In Person Charges. Contactless
a. What process must you follow to read a Card via Contactless Technology?
b. For Digital Wallet Contactless-Initiated Transactions:
c. What is the process for Consumer-Presented Quick Response (CPQR) Transactions?
(1) the QR Code be re-presented;
(2) an alternative payment method be used; or
(3) obtain an Authorisation.
d. How do you process Merchant-Presented Quick Response (MPQR) Transactions?
In Person Charges. Contactless
(1) Where the Charge amount is SAR 100 or less (or any other amount that may be determined by the Saudi Central Bank (SAMA) in the future), You may read the Card via Contactless Technology. When presented with a Chip Card or Mobile Device to be read via Contactless Technology, You must: • Capture the Charge Data using the contactless reader. • Obtain Authorization.
(2) If the Charge amount is over SAR 100 (or any other amount that may be determined by the Saudi Central Bank (SAMA) in the future), or if prompted by Your terminal, You will need to follow the process set out in section 1.2.1) above (In Person Charges – Chip Cards) of this Schedule A.
(3) For Digital Wallet Contactless-initiated Transactions, a CDCVM is permitted if the Mobile Device and the point of sale terminal are capable of performing CDCVM. For these Charges, You must create a Record of Charge as described in 1.1 above. To ensure proper point of sale acceptance for Digital Wallet Contactless-initiated Transactions, You should comply with the most current American Express contactless-enabled POS Terminal requirements. We will not exercise a missing imprint, counterfeit or lost/stolen/non-received fraud Chargebacks for Contactless or Digital Wallet Contactless-initiated Transactions if the Establishment successfully verifies the Cardmember and meets all of the criteria and requirements listed above. This does not apply to Disputed Charges involving dispute reasons other than fraud.
In Person Charges. Chip Cards
(i) When presented with a Chip Card, the Card must be inserted into the reader of the point of sale terminal (unless the Charge is processed through the contactless reader, in which case you may follow the steps outlined in paragraph 1.f below). The terminal should advise whether the Cardmember is to enter his or her personal identification number (PIN) (a chip and PIN transaction) or sign for the transaction (a chip and signature transaction). • In the case of a chip and PIN transaction, Establishments must instruct the Cardmember to enter his or her PIN into the keypad of the terminal. • In the case of a chip and signature transaction, Establishments must follow the procedure for In Person Charges with non-Chip Cards as set out in paragraph 1.d below except that there is no requirement to swipe the Card unless instructed to do so by the terminal.
(ii) If the Establishment is unable to complete a chip and PIN transaction or chip and signature transaction due to a technical problem, the terminal should show an error message and the Establishment must follow the procedure for non-Chip Card transactions as described in paragraph 1.d below.
(iii) If the terminal has not been upgraded to accept Chip Cards or we have not certified the terminal for chip and PIN, you will be liable for any losses that we may suffer and we will have Chargeback rights for fraudulent In Person Charges made with lost, stolen, counterfeit, and non-received Chip Cards, if the upgrading and certification of your point of sale terminal would have prevented the fraud. In all cases, you will be liable for fraudulent Charges arising from a failure to comply with our Card acceptance procedures as set out in this Agreement.
In Person Charges. Unattended Terminals
(1) We Will accept ChargeS for purchaSeS at Your unattended terminalS (e.g. CATS or payment kioSkS) Subject to the requirementS of Section (1.2) above and the folloWing additional requirementS: • Include all requeStS for AuthoriZation, the full magnetic Stripe data stream. • EnSure the Charge complieS With the SpecificationS, including flagging all requeStS for AuthoriZation and all Charge SubmiSSionS With a CAT indicator. • Follow any additional Authorization procedures that We may provide to You if You accept the Card at an unattended terminal that iS part of, or attached to, a fuel diSpenSer (for example). • EnSure that the unattended terminal notifieS the Cardmember if the transaction is declined.
(2) In the eVent that an unattended terminal iS not configured for Chip and PIN tranSactionS, then You may Still accept the Card and the proViSionS of sections (1.2) and (1.2.1) above shall not apply in relation to entering the PIN. HoWeVer, if You do So, You Will be liable for any loSSeS and We Will haVe Chargeback rightS for fraudulent ChargeS if the Charge WaS not a Chip and PIN transaction.
1.3. Card Not Present Charges
(1) For Card Not PreSent ChargeS, You muSt: • create a ROC as described in 1.1 above, including an indicator that the transaction is Card Not Present. • obtain the Cardmember’s name as it appears on the Card, the Card account number and expiry date, the Cardmember’s billing address, and the delivery address. • obtain Authorization. • if the order iS to be Shipped or deliVered more than SeVen (7) dayS after the original AuthoriZation, obtain a neW AuthoriZation before shipping or delivering the order. • immediately notify the Cardmember if the tranSaction iS declined.
(2) If the goodS are to be collected by the Cardmember, the Card muSt be presented by the Cardmember upon collection and You should treat the transaction as an In Person Charge and comply with sections (1.2 to 1.2.3) above.
(3) We haVe Chargeback rightS for any Card Not PreSent Charge that the Cardmember denieS making or authoriZing. We Will not exerciSe Our Chargeback rightS for Such ChargeS baSed Solely upon a Cardmember claim that he or She did not receiVe the diSputed goodS if You haVe Verified With US that the addreSS to Which the goodS Were Shipped iS the Cardmember’s billing address and obtained a receipt signed by an authoriZed Signer Verifying the deliVery of the goodS to Such addreSS.
In Person Charges. Contactless
(i) Where the Charge amount is £30 or less you may read the Card via Contactless Technology. When presented with a Chip Card or Mobile Device to be read via Contactless Technology, you must: • capture the Charge Data using the contactless reader; and • obtain Authorisation.
(ii) If the Charge amount is over £30, or if prompted by your terminal, you will need to follow the process set out in paragraph 1.c of this Schedule A.
(iii) For Digital Wallet Contactless-initiated Transactions, a CDCVM is permitted if the Mobile Device and the point of sale terminal are capable of performing CDCVM. For these Charges, you must create a Charge Record as described in paragraph 1.a above. To ensure proper point of sale acceptance for Digital Wallet Contactless-initiated Transactions, you should comply with the most current American Express contactless- enabled point of sale terminal requirements. We will not exercise a missing imprint, counterfeit or lost/stolen/non-received fraud Chargebacks for Contactless or Digital Wallet Contactless-initiated Transactions if the Establishment successfully verifies the Cardmember and meets all of the criteria and requirements listed above. This does not apply to Disputed Charges involving dispute reasons other than fraud (e.g. it does not apply to goods or services disputes).
