Storing Cardholder Receipts - TD Generation Merchant Manual

W h e n eve r
...the card number on the screen does not match the
number embossed on the card.
OR
...the cardholder signature on the receipt does not
match the signature on the reverse of the card.
OR
...you have any doubts about the validity of a card or
a transaction.

Storing cardholder receipts

Merchants are responsible for retaining all receipts to respond to cardholder inquiries. The following are
guidelines you should use when storing them. Store receipts:
• ...in a dark, secure area with limited access for at least 18 months
• ... in envelopes arranged by date in a secured filing cabinet works well. If you have several terminals
use a separate envelope(s) for each terminal.
• ...as long as you retain cash register tapes for direct payment transactions
Your receipts could become unreadable if you store receipts in plastic coated containers or expose them to
direct heat or cold sources.
• If TD needs a receipt copy, please send it within eight days and retain a copy for your records.
• The required storage and response times are for TD Merchant Solutions only and may vary by
financial institution.
Ac t i o n
1. Call for a voice authorization immediately.
2. 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.
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