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Best Practices: Credit Card Payments

This article provides best practices for taking credit card payments. By following these best practices, you can help prevent payment disputes.

Card-present transactions

Card-present transactions include any transaction where a card is used in person (tap, insert, or swipe). Transactions where a card is used in person are less likely to be disputed than transactions where a card is not used in person.

Here are some best practices for card-present transactions:

  • Ask clients to tap or insert their card instead of swiping their card. EMV cards (chip cards) are more secure than cards without a chip.

  • Ask clients for a signature during checkout. Learn how to require a signature during checkout on your Front Desk Display.

  • Verify the client’s photo ID to confirm their name matches the name on the card being used.

  • Provide a receipt.

Card-not-present transactions

Card-not-present transactions include any transaction where a card is not used in person, including cards on file and online payments/deposits.

Here are some best practices for card-not-present transactions:

  • Use Express Booking™ to collect credit card information from clients when booking appointments. With Express Booking™, you can send a link to clients via text message where they must enter their information, add a credit card on file (if required), and accept your cancellation policy in order to complete a booking. As part of completing the booking, we collect information including the IP address, device model, and exact cancellation policy that was accepted. This information can later be used as evidence when fighting a dispute.

  • Verify the client’s photo ID on the day of the appointment to confirm their name matches the name on the card being used.

Large transactions

We recommend you collect the following documentation for any sale over $2,000. You can use the Integrated Forms feature to collect digital forms.

  • Signed contract or purchase agreement. Please include as many details as possible. The more details you include about a sale, the better equipped the Mangomint team is to help you if a dispute occurs.

  • Signed credit card authorization form for the total amount to be paid.

  • Copy of the client’s ID to confirm the client’s name matches the name on the card being used.

For security purposes, if you complete a large transaction, the Mangomint team may contact you to request documentation.

Cancellation policy and receipts

We recommend you cover returns, exchanges, and refunds in your cancellation policy, including a clear timeframe for when they can be done. If clients will be charged for no-shows or cancellations, make sure that is clearly stated in your cancellation policy. Learn more about creating a cancellation policy and adding it to Mangomint.

We also recommend your receipts include the following information:

  • Your contact information including address, email, and phone number. This helps increase the chance that clients will contact you directly if there is an issue rather than contacting their bank to file a dispute. To manage your contact information included on your receipts, go to Settings > Business Setup > Locations. Learn more about sending and printing receipts.

  • A recognizable business name and description of goods/services sold. This helps clients recognize your business name on their bank statements and identify the exact goods/services purchased. To update your business name that displays on a client’s bank statement, go to Settings > Payments & Checkout > Payment Accounts > Manage account and update your Statement descriptor.

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