• Do not charge the card until the merchandise has been shipped; • Verify the card’s legitimacy. Ask the customer for the card expiration date, and include it in your authorization request. An invalid or missing expiration date might indicate that the customer does not have the actual card in hand; • In the light of the increased online fraud due to the EMV migration, consider deploying additional authentication tools like 3D Secure. Q: How can I reach a customer that used their credit card at my store? A: You might be able to retrieve their phone number through your customer’s bank. You can access their bank information by contacting our Customer Service Department at 800.631.3072. ®