Article published in Issue Number: 070402

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In memoriam

It is with great sadness that we report the loss of Cary D. Moore, Director of Financial Systems, Ingenico USA and a 28-year veteran of the payments industry. Cary lost his battle with cancer in March.

"In the short time in which he knew he had cancer, Cary continued to embrace life and everyone around him with love, enthusiasm and grace," said Grant Drummond of Ingenico.

"Cary's positive attitude, knowledge, friendship, generosity and will to enjoy life every moment will continue to live on in everyone he became close to."

Cary is survived by his wife, Kim, and two children, Christopher and Jonathan.

All of us at The Green Sheet Inc. extend our heartfelt condolences to Cary's family and friends during this difficult time.

Tip auth troubles patrons

Several of my merchant customers have asked me what to do in a scenario similar to the following:

A customer who used his debit card in a restaurant the night before checks his account balance online the next day. The amount being debited from his account is more than what he authorized when he signed the receipt.

The customer had left a 15% tip, but the total deducted from his account includes a 20% tip. He believes he is being overcharged and calls the restaurant to complain.

What should I tell my merchants?

Jim

Jim,

The article "When restaurants exceed the tipping point" (The Green Sheet, June 26, 2006, issue 06:06:02) addresses this exact topic. You will find it at http://local.greensheet.com/gs_archive.php?issue_number=060602&story=3

A card authorization that includes an estimated tip is against Visa U.S.A.'s rules and regulations.

You can help your merchants by making sure their POS systems and terminals are not programmed to include an estimated tip in the authorization request. That programming increases the authorization amount of the bill and makes many customers very unhappy.

More information is available on Visa's Web site:

· http://usa.visa.com/merchants/marketing_center/merchant_resources/tips_tools_gratuities.html

· http://usa.visa.com/download/merchants/rest_own_mgr.pdf

· http://usa.visa.com/download/merchants/rest_staff.pdf

Editor

MLS Forum access

I am trying to view the MLS Forum, but I keep receiving a message that says it is private. Can you help me?

Thank you,
Frank

Frank,

To access the MLS Forum on GS Online, you will need to subscribe to The Green Sheet, which includes selecting a username and password for GS Online. Subscriptions and registration are free and always will be. You may subscribe and register online at www.greensheet.com/forum/bb_register.php?mode=agreement.