Reader Question: How to Establish Credit
With debit card transactions, consumers have the choice to authorize payments using either their signature or by entering a PIN. The discovery of recent well-publicized PIN-debit fraud schemes have challenged earlier thought that PIN debit was the more secure method, since it involves authentication.
Reader Question: How to Establish Credit
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Reader Question: How to Establish Credit
Other credit card processing methods exist that do not need the physical credit card to be present, but all use the same process of contacting the acquirer. One method involves a phone system that calls a specified phone number and dials in necessary information for the charge, including the credit card number, expiration date, and the amount of the purchase. Another option that is gaining fast popularity is the virtual terminal, which allows the transaction to be completed over a website interface. These two processing methods are particularly useful for businesses that do not come into direct personal contact with their customers, such as online and mail order stores.
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