<VV> 2007 Hotel Credit Card Processing

[Ron]

You are right, it's never safe to send that info out.
RonH

----- Original Message ----- 
From: "Cliff Tibbitts" <tibbitts at qx.net>
To: "'Harry Jensen, CORSA Executive Secretary'" <corsa at corvair.org>; 
"'Virtual Vairs'" <virtualvairs at corvair.org>
Sent: Tuesday, March 13, 2007 4:12 PM
Subject: RE: <VV> 2007 Hotel Credit Card Processing


> Thanks for the explanation Harry, but I still find it un-acceptable, so I
> will likely use another hotel.  My wife and I, like others, have traveled
> literally all over this country and various parts of Europe and have never
> been asked to send this type of information in order to reserve a room.
>
> I'm sorry to hear that they cannot or won't rescind their policy.
>
> Cliff Tibbitts
> Lexington, KY
>
> -----Original Message-----
> From: virtualvairs-bounces at corvair.org
> [mailto:virtualvairs-bounces at corvair.org] On Behalf Of Harry Jensen, CORSA
> Executive Secretary
> Sent: Tuesday, March 13, 2007 4:53 PM
> To: Virtual Vairs
> Subject: <VV> 2007 Hotel Credit Card Processing
>
> Hiya--
>
> I called the Sterling Heights Best Western and discussed their policy on
> credit cards and processing.
>
> What Dave Keilor reported below is true: The hotel asks for a copy of the
> front and back of both your credit card and driver's license along with a
> signed form. You can mail or fax in the information requested.
>
> The reason for this is that credit card processors put businesses in
> classes. CORSA is a MO/TO (mail order/telephone order) company, and the
> rules we have to follow are specific for each industry. MO/TO is different
> than orders taken on the 'net or retail stores and the requirements are
> different for both classes of companies.
>
> Whatever class the business is in, the thing that both the business and 
> the
> card processors have to control is disputed charges or chargebacks and
> credit card fraud. Each class of business has a different set of
> requirements. And apparently the card processor that the hotel uses 
> insists
> that the hotel get this verification so that the hotel will qualify for 
> the
> lowest processing fees. (The fewer chargebacks, the lower the fees
> businesses are charged for processing.)
>
> Hotels and motels are in a different class. In most all of the credit card
> transactions done at hotels, the card is present and swiped in one of 
> those
> ubiquitous credit card scanners. If the transaction is a card not present,
> the credit card processors make the companies in this class have
> verification that the person who is using the card is who he says he is.
> That is the reason the Sterling Heights wants the copies of the license 
> and
> the credit card.
>
> What I did learn is that they need the copy of the driver's license to
> verify the signature, so any personal information like the driver's 
> license
> number can be crossed out. And three CVC numbers in the signature panel on
> the back of the credit card can also be crossed out. Most all of the
> personal information can be obliterate before you fax or send a copy of 
> the
> driver's license and credit card.
>
> If it were me, I would obliterate out the first twelve digits on a
> MasterCard, Visa, or Discover, so the information transmitted is the same
> as on a credit card receipt. And I would not transmit a copy of my 
> driver's
> license with the license number visible. If you don't want to give them
> copies of your card or driver's license, then simply mail them a check.
>
> I did ask about those individuals who had their cards processed without
> having to provide the verification information, but the hotel did not have
> a good reason why they were accepted.
>
> I hope this helps.
>
> --H
>
>
>>----- Original Message -----
>>From: "Dave Keillor" <dkeillor at tconcepts.com>
>>To: "Virtual Vairs" <virtualvairs at corvair.org>
>>Sent: Monday, March 12, 2007 12:14 PM
>>Subject: RE: <VV> 2007 CORSA Convention
>>
>>
>>I just got off the phone with the reservations manager, and she confirmed
>>that you have to make a non-refundable deposit (I knew that) either by
>>check or credit card.  To pay by credit card, you need to fill out a form
>>received by mail or fax, then either fax or mail the form along with a
>>copy of both front and back of your credit card and a copy of your
>>driver's license.  Her reason was that "it's a requirement of the credit
>>card company".  So, if you're uncomfortable with providing that level of
>>information (I am), then allow some extra time for them to receive and
>>process your check.
>>
>>Btw, the form states, "Hotel rooms will not be considered confirmed until
>>we receive these copies and the credit card charge is approved."
>>
>>Dave Keillor
>
>
>
>
> |--------------------------------------------------------------
> | Harry Jensen  mailto:corsa at corvair.org
> | CORSA Executive Secretary
> |
> | Corvair Society of America (CORSA)
> | P.O. Box 607, Lemont, IL 60439, 630.257.6530  fax 630.257.5540
> | http://www.corvair.org
> |-------------------------------------------------------------- 
>
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