Chip&Pin cashback

I was shopping in M&S the other day (and they'd finally got around to installing PIN pads) and was asked whether I wanted any 'cashback'.

As it turns out I did, so I asked for some money and entered my PIN on the pad as you would (now) expect. But then the assistant asked me to initial the cashback on a receipt as per days of yore. So I did this and instinctively passed it back to him:

Assistant: "Oh no, you keep that, that's your *actual receipt* for your purchases as well."

Me: «So what's the point in me initialling it?»

"That's proof that you authorised the cashback so that staff can't just sneak in a cashback, pocket the money and have you key your PIN without noticing the extra.."

«Umm, but don't you need the receipt for your records, I could just lose the receipt and claim fraud at your end?»

"But then you'd have no way of proving whether you did properly authorise the cashback."

«But if an assistant did add a fraudulent cashback and I hadn't noticed (and hadn't been asked to sign the receipt to verify) and had lost the receipt then I'd be stuffed?»

"Err, yeah."

Hmm, I'm not altogether sure I like the sound of that.

And in other news, that bastion of high technology, Dixons, seem yet to have installed PIN pads. I thought all retailers were supposed to be using them now or face liability issues from the banks?

Reply to
David Marsh
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If they wanted to "sneak in a cashback" then they would simply *not* ask the customer to initial it!

Reply to
Adrian Boliston

"David Marsh" wrote in message

Its upto them - its them that will be taking for hit for fraud.

Sounds like the cashier made a mistake - they should probably have kept the receipt (like we would have a t tesco - we get a receipt which the customer has to sign, OR it will just says 'PIN ENTERED' where the sign normally goes which we put in our tills...if they want cashback it shows up on that receipt as well and we are supposed to get customers to inital that as well just to show they have seen the cashback is coming out (altho it displays the amout on the C+P) machine as well.

Reply to
mo

Without a hint of irony, David Marsh astounded uk.finance on

10 Jan 2005 by announcing:

Correct. Some retailers have decided that the levels of fraud they have experienced do not warrant the expense of upgrading their equipment. Some are just late, having thought it'll only take a few months to sort out.

Reply to
Alex
[snip

Any time I've used a C&P keypad, the amount payable has come up on the little screen before keying in PIN. If one doesn't read the screen first to check the amount, caveat emptor....?

Allan

Reply to
Allan Gould

At my last job the PIN pads confusingly required the customer to confirm the amount by pressing enter first. 99.99% of customers didn't bother reading what was on the screen (including the amount) and just automatically tried to put their PIN in. Most customers never check the amount, anyone could easily made a small fortune by charging £50 cashback to each dumb looking customer, until someone notices that is.

Reply to
Marx Peterson

Dixons and PC World have them where I am.

Sainsbury's haven't installed them yet.

Reply to
Jonathan Bryce

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