LOW RISK
- Caller ID identifies caller as local
- Passenger is also cardholder
- Agent obtains manualimprint of unexpired andunaltered credit card in the travel agency
- Agent obtains valid signature and approval code
- Signature is an approximate match to that on back of the credit card
- Originating airport is in the same region as the travel agency
- Destination is in the same region as the travel agency
- Established customer
- Domestic travel
- Date of departure is more than one month from date of issue
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MEDIUM RISK
- Caller ID identifies caller as local
- Originating airport is in the same region as the travel agency
- Destination is in the same region as the travel agency
- Passenger may or may not be cardholder
- Customer is new
- Domestic or international travel
- Date of departure is less than one month from date of issue
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HIGH RISK
- Caller ID identifies caller as out of area or with no information at all
- Agents are usually contacted for the first time via, website, email or the TTY service (for the hearing impaired)
- Cardholder is not the passenger
- Credit card, driver’s license, passport faxed/emailed because cardholder is never present in the agency
- Several tickets are purchased with different routings, travel dates and passenger last names using a single credit card
- “Customer” may use a religious title (e.g., Pastor Robert) or a religious premise (Missionaries to Africa) or other socially respected profession, e.g., doctors, to establish credibility
- Email requests contain obvious spelling errors (e.g. cities and states)
- “Customer” uses airport codes in their emails, i.e., asking for tickets from ACC to LHR rather than Accra to London
- “Customer” provides fictitious address and phone number in the US
- Email address is from a free service (Yahoo, Hotmail, Gmail, etc)
- Customer/passenger name is new to agency
- Domestic or international travel
- Customer not concerned with ticket price or service fee amount
- Last minute travel
- Highly flexible travel schedule
- Customer offers multiple credit cards as payment if first credit card is rejected
- Customer can be contacted only via a cell phone with an area code not in the same region
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REMEMBER!
ALL credit card transactions have some level of risk. It’s the agent’s responsibility to determine what level of risk they are comfortable with prior to issuing and releasing a ticket.
Faxed or emailed images of credit cards, driver’s licenses, passports or credit card authorization forms are NOT sufficient documentation to receive chargeback protection.
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