“CODE 10” FIRST LINE OF DEFENSE

Code 10 merchants first line of defense!

How to use “Code 10”

• Call the voice authorization phone number provided by your Merchant Provider. This number can be found on the sticker on your terminal or call your Merchant Service provider and ask to be transferred to the Voice Authorization department.
• Choose the prompt for “Code 10”. Never call a phone number for the card issuing bank provided by a customer; or let the customer call the card issuing bank for you to obtain an authorization code. Do not accept an authorization code given to you by a customer. Authorization code obtained from your Authorization Center can be verified; but not the one from other sources.
• Provide the cardholder name, billing address and shipping address, if the order is a mail order, phone or Internet sale. The representative will attempt to verify the information you provide with the bank that issued the card to the customer.
• The representative will attempt to verify the cardholder information during your call; the data will be forwarded to an investigator for further research and will attempt to contact you within 24 – 72 hours with the current status or results of the investigation.
• Request another form of payment other than a credit card if an authorization request is declined. Do not split a declined transaction into smaller increments to obtain an authorization.
• Obtain an authorization code for the full amount of the sale. Always obtain the authorization code before shipping the merchandise.

Whether you are in a face-to-face environment, or via mail, phone or Internet that sell goods and services you can employ a “Code 10” authorization to verify additional information on a suspicious transaction.

You may be prompted by your processing terminal to call for voice authorization of the charges (CALL AUTH), or you may simply not feel right about the transaction. In either case, you can use “Code 10” to gain additional information before you release your merchandise.