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<p>[QUOTE=&quot;ldhair, post: 4455819, member: 11540&quot;]The card company will give the customer a credit but it&#039;s actually just put on hold.</p><p>Next they contact the merchant and ask for proof of the transaction.</p><p>The merchant will eat the deal if they broke the contract they have with the CC service. Merchants must follow the rules to the letter. If they just swipe a card with a chip, they will have to eat the chargeback if the deal goes bad.</p><p>If the merchant does a deal without the customer in person, they must have the security code from the back of the card and the zip code for the billing address to be covered. Lots of rules.[/QUOTE]</p><p><br /></p>

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