1. During the execution of the transaction the Card must be held by the staff member.

2. Inspect the Card by appearance under the “Payment Card Inspection Rules”.

2.1. Make sure that all special Card security features are present.
2.2. Make sure that the Card is not expired.
2.3. Make sure that there are no discrepancies between the Card user and information on the Cardholder on the Card (male/female). As indications to the cardholder’s gender may serve name, surname or address placed before them (Ms, Mrs, Mr).

3. Make the authorisation of the transaction by following the POS terminal user’s manual. Make sure that the Transaction is verified by the authorisation code, that the Customer has entered the PIN code or there is a space for the Cardholder’s signature on the slip. 

4. Compare the Card number embossed in front to the part of the Card number on the terminal slip.

5. If there is a space for the Cardholder’s signature on the slip, please, ask the Cardholder to sign the slip. If the Cardholder wants to add an extra amount to the sum on the receipt they must fill out the fields „EXTRA”, „TOTAL” and sign the slip.

6. Collate signatures on the Card’s signature strip and on the slip.

7. If both signatures and the Card numbers tally, return the Card to the Cardholder with the counterpart of the slip (copy).

8. If the Cardholder has added an extra amount to the sum on the receipt once more ask the Cardholder for the Card and execute the extra amount as an independent transaction. If the transaction is made by Mastercard or Visa card and the extra amount is below 20% of the transaction amount, enter the extra amount under the “Point-of-sale terminal operation manual”.  

If any of the above requirements is not met or you have any doubt that the holder is abusing the Card, please, call Card Processing Centre of  Luminor Bank AS on 1880 (from abroad +371 67 17 1880).