Card Not Present transactions

What about people with two or more addresses? Do they take out credit cards at different addresses so they can use one for each place they require deliveries?

I did hear talk a while ago of supporting a second designated registered address for deliveries that could also be confirmed (ie for students, 2nd homeowners, peoples offices for daytime deliverys etc.) don't know if anything came of it.

You can certainly contact your cc co and have other addresses than your home one as authorised for delivery.

There is a 0 floor limit on CardHOLDER NP transactions.

Electronically they check your address and get a code to show how 'good' a match it is.

Ours are set up to require manual intervention on any orders where the delivery address doesn't equal your cardholder address.

You can add multiple addresses to your card with most issuers you know.

It's something like house number and numbers from postcode that now need to be entered into the terminal i think on cnp's.

How? If all the terminals require is card no. exp. date, start date... Are there special card CNP terminals. I am sure that not all retailers computer systems are hooked up electronically to the credit card providers, ie no one at the retailers end typing your card no into a POS terminal.

House number and part of post code are requested now but the merchant can choose to not input them but then will be liable for any loss.

Most providers now require you to have a special card machine if you're not running electronically. This special one asks you to enter house number and postcode.

Only if you're using a terminal and not an electronic gateway.

And yes it's the numbers from your address / postcode.

Retailers are free to take the risk, if it goes wrong the card company just takes the money back from them.

This posting suggests that when transactions go for authorisation, the delivery address held by the retailer is compared with the cardholders registered address held by the bank.

I wasn't aware of that. It seems a quite unwieldy system. It would necessitate widely differing retailers' software being able to communicate with banks' software. I can't see it somehow.

Is this indeed the case?

Rgds

Why does it need more than the house number and post code? This is what is required for authorisation in any CNP transaction now.

"Richard Buttrey" wrote

So, the address (or just house name/number & postcode) are sent from the retailer to the bank - does the retailer specifically have authority to pass this data to the bank, considering DPA issues? The retailers never seem to ask for the customer's permission to pass their details on in this way ...

I wouldn't be surprised if when you apply for a card you agree to this.

On a similar note, for many years now whenever I have shopped at Index, as soon as they swipe my credit card not only my name but full address comes up on the computer screen - this is with a standard Barclaycard not an Index card or anything unusual.

Regards, Far

I wouldn't be surprised if when you apply for a card you agree to this.

Had you ever given them the details... eg. ordered goods from them using that card for home delivery.

I would have though that that is really a bit dodgy otherwise, as I see it there is a bit of a difference between the retailer providing an address they have been given to the card issuer to verify it and the card issuer sending someone your address for no good reason other than them wanting to know it (probably for marketing purposes. I know that if you read the small print of some supermarkets condition of sales they state that your payment card details and details of your shopping may be stored for sales profiling purposes - regardless of whether you have a loyalty card or not, maybe that is why some stopped them - they could get reasonable sets of trends and patterns regardless of whether they know the customer's address)

In message , Far writes

This not barclaycard supplying the info but Index relating your card number to your address which you will have given them at some time in the past.

"john boyle" wrote

So Index are storing peoples credit card numbers long-term, ie well after the earlier transaction(s) have taken place? Doesn't DPA require data only to be held for a reasonable time, for the purpose to which it is needed - so if just used for a transaction, the card details should not be kept for longer than necessary?? ...

"Peter Saxton" wrote

Isn't that the wrong way around? You might have agreed that the *credit card company* could pass your details to a retailer, when applying for the credit card.

But have you agreed with the *retailer*, that *they* can pass your details to the credit card company?? :-(