Best Practices for Accepting Credit Cards


With every card payment you take, you and your customer are entering into an agreement. Check the following tips to be more prepared when accepting credit cards.

Swipe/Insert as much as possible

Combat fraudulent transactions and prevent charge-backs by using your credit card terminal and accepting EMV (aka chip acceptance). It may be convenient to use the card on file but we recommend to use your terminal as much as you can. 

Avoid scams

Never wire money via a third-party at your customer's request or process a credit card transaction in exchange for cash. If something doesn’t feel right about the interaction, don't complete the transaction with the cardholder. If you ever have any questions about a transaction, email us at We are here to help. 

Make your DBA (Doing Business As) name something customers will recognize

Your processor allows you to edit how your Doing Business As (DBA) name appears on your customer's credit card statement. You will want your DBA name to match what your customer sees when they walk through your door. Unrecognizable names such as "Best Biz LLC" instead of "Hotel ABC" can result in an unwarranted charge-back.

Know your customer, ask for ID

For a large purchase or first-time customers, do not hesitate to ask for the card holder's ID to match to their physical card. This simple step is the easiest way to minimize fraud. If you are not comfortable accepting a credit card payment or your client can not provide ID, you can politely ask for a different form of payment or ask them to return with their ID.

How to prevent credit not processed or product unacceptable charge backs?

  • Implement a flexible refund policy and issue them under reasonable circumstances
  • Clearly describe the items being sold and display accurate images when possible
  • Reevaluate any products which tend to see higher dispute rates for these reasons. It’s possible the items could be defective.
  • Clearly display the full price for the item, including any taxes, and ensure this is presented to the cardholder prior to accepting their payment information.

How to prevent friendly fraud?

Friendly fraud is not easy to spot at charge acceptance, since it is often the legitimate cardholder making the payment. The best way to prevent these types of disputes is to collect as much information as possible at charge, clearly communicate billing terms and require the cardholder to agree to the terms of service.

Under mybookings settings, you can always select to Require acceptance of terms and conditions on your booking engine - click here to check further details

Enter Full Billing Information

Applicable for eCommerce Transactions only (not-card present transactions)

Card not present transactions poses a higher risk to your business because you cannot ensure it is the cardholder who is completing the transaction. Due to this risk, require your customers to provide as much billing information before processing the transaction. You should always have full address verification (AVS) activated on your site and only process transactions where a full AVS match for the card entered was received.

You can accept a credit card with only the card number and expiration date entered. However, the more information you can provide, the easier it will be to contact a customer if any billing errors or chargeback occur. 

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