#Request photocopy of id and credit card drivers
#Request photocopy of id and credit card verification

Not in the sense of 'Geez dude, how could you not realize they need that?' but rather in the sense of 'The credit card companies want it done even though they are skirting liability by strongly suggesting it rather than outright requiring it.' Many merchants are willing to take that risk. someone stealing your wallet with the ID can also complete this verification. This method is employed by many famous companies: AirBnB, Agoda/Priceline, Lyft used it at one point. If the charge is disputed, these images can be used to prove that the merchant took an effort to verify the transaction and shift liability. It just proves that you are in possession of the card and your name is on the card. You are giving away, nothing confidential. There is almost nothing anyone can do with this piece of info. One of the most common methods employed, is asking for Driving Licence/ID and a copy of credit card with numbers hidden. Once a transaction is triggered as potential fraud, the merchant will attempt to verify via multiple methods. There are plenty in market and they are making a killing as SaaS companies. So, almost any retailer that processes $1M+ in volume a month will use some kind fraud early warning software. Also, their credit card processor will blacklist them and basically throw them out of business if the dispute rate increases. Merchants have zero protection in these cases and not only pay for the charge processed as well as a dispute fee. It is very common to have some fraudster use someone else's credit card to make purchases. Those responding here, probably haven't sold anything online and have no idea of the amount of credit card fraud retailers have to deal with. I don't think there's much security in their process. I'm sure there's ways to mitigate this, but it every hoop I jump through is an opportunity for mistakes.ģ) If I was a fraudster, I'm pretty sure I could fake a credit card and corresponding ID via Photoshop that I could take a crappy photo of with my phone and satisfy them. Even if I block out the important details, the original photo probably got synced to the cloud which means I have to go make sure it was deleted everywhere and trust the our google/apple/amazon overlords did indeed delete it. My bank did not raise this issue.Ģ) As far as I'm concerned, I should never take a picture of my credit card. This 'fraud alert' was only from the retailer. Sometimes they even require that I call in to verify. They come in the form of an email from my bank asking me to confirm whether I made a given purchase or not. My question is, did I make an issue out of something that was reasonable for me to comply with?ġ) I've had 'fraud alerts' on my credit card before when making a larger than usual purchase. Their name bounces around the forums without any issues and I found them, they didn't find me.

So I ended up cancelling the order and buying the same part from a different retailer. Their response basically reiterated their first email, but insisting that they already had all this information anyways and just needed to verify it. Issuing the card but unfortunately do not feel comfortable sendingĬopies of my DL and credit card via email to an online retailer.

#Request photocopy of id and credit card verification

Hi, I would be happy to perform any verification through the bank

Thank you for your cooperation, blah blah blah. This is no different than presenting your ID in a brick and mortar You my black out any personalĭetails like the DL# but please leave the last 4 digits of the credit

#Request photocopy of id and credit card drivers

Please send us a copy of your drivers licenseĪnd credit card used in the transaction. Hi, we have received your order #12345 and it has been triggered by Shortly thereafter I received an email from their sales team saying something similar to the following: This weekend I placed an order for a part from an online retailer ($300-400).