When To Call For Cardholder Authorization; When To Use Your Imprinter; Storing Cardholder Receipts - TD Freedom IV Merchant Manual

magnetic stripe, chip enabled and contactless credit cards. The terminal is equipped with a Smart Card reader
to read chip enabled cards and a magnetic stripe reader to read magnetic stripe cards. When the credit card is
inserted into the Smart Card reader, the cardholder may be asked to enter a pin number or sign a receipt. For
magnetic stripe transactions, please verify the credit card number and signature on the credit card against the
merchant copy of the receipt. When the credit card is swiped using the magnetic stripe on the terminal, the
cardholder number and expiry date automatically appear on the screen or the terminal will prompt for the last 4
digits of the card number to be entered. The terminal will not proceed with the transaction until the OK (green)
key is pressed or the digits are entered. This allows the merchant time to verify that the numbers on the screen
match the numbers embossed on the card. Take the time to do this verification. Always take the time to veri-
fy that the cardholder's signature on the receipt matches the signature on the reverse of the card.

WHEN TO CALL FOR CARDHOLDER AUTHORIZATION

 Whenever the message CALL FOR AUTH is seen - Do not attempt the transaction again. Press the OK
(green) or CANC (red) key and call for a voice authorization immediately.
 For magnetic stripe transactions, when the card number on the screen does not match the number
embossed on the card - Press the CANC (red) key and call for a voice authorization immediately. Request
a CODE 10 authorization. In this situation, you may be dealing with a fraudulent card and CODE 10 will
alert the financial institution to this possibility.
 When the cardholder signature on the receipt does not match the signature on the reverse of the card
- Call for a voice authorization. Request a CODE 10 authorization. The financial institution will be able to
advise whether or not the correct individual is using the card. They will also tell you how to proceed.
 Whenever you have any doubts about the validity of a card or a transaction, do not hesitate to call
for authorization.

WHEN TO USE YOUR IMPRINTER

You must use your imprinter in each of the following situations.
 If you are unable to swipe the card through the terminal due to a problem with the card's magstripe
- Key in the transaction manually, take an imprinted draft for the cardholder's signature, indicate the trans-
action details in the imprinted copy and staple the printer receipt to the signed copy.
 If your printer is not working - Take an imprinted draft for the cardholder's signature and indicate the
transaction details on the imprinted copy.
 If the system is down, the terminal does not ask for an authorization number and you receive a
telephone authorization - For magnetic stripe transactions, take an imprinted draft, note all transaction
details on the draft. When the system becomes available, enter all manually imprinted transactions using
the FORCE POST MENU OPTION, and staple all printed transactions to the imprinted sales drafts.

STORING CARDHOLDER RECEIPTS

Users are responsible for retaining all receipts to respond to cardholder inquiries.
These steps should help to conveniently store receipts.
1. Keep receipts in a secure place for at least one year. Envelopes arranged by date in a secured filing cabi-
3