Card Not Present (CNP) Transactions

In any situation where a card is not present and you are unable to complete a face-to-face transaction, the opportunity for fraud increases.

To obtain an authorization or address verification, or to question the validity of a Discover card, please call 1-800-347-1111.

• Request and validate the Card Identification Data (CID) (the three-digit code on the back of the card in the signature panel). The CID can be submitted in the electronic authorization request or can be used when calling our authorization center
• Verify the customer's billing address, either electronically or by our automated phone system Address Verification System (AVS)
• Check who is responsible for merchandise not delivered
• Get a signature for each delivery and keep all delivery records
• All declined authorizations are final
• Refund sales on the same card account that the purchase was made on
• Include your common DBA and customer service number on the customer’s transaction receipt?
• Clearly communicate any and all delivery charges, restocking or other fees
• Clearly explain any return policies and offer documentation of this policy with each sale
• When working on a chargeback, document efforts to satisfy the customer
• Respond to all chargebacks, even the small ones
• Duplicate charges, or installment plans, unless otherwise stated, require an authorization for each sale