Is it standard practice to ask a customer to send a photo of their credit card to confirm their identity?

  • My friend ordered clothes from a clothing site and was asked to send a picture of her credit card.

    Is it standard practice to ask a customer to send a photo of their credit card to confirm their identity?

    This is not standard. I suggest she declines to do this. I cannot think of a single reason a legit merchant would ask to do this. Only two possible outcomes will come out of this. The first the mercant will use her credit card for fraud, and the second is in 6 months their images of said credit card will be leaked and it will be used by a different criminal.

    It used to be much more common, but it is still used now in various places.

    Did you asked them if you could send an edited photo, with the date, billing number and total price written on the card photo with an image editor?

    If its just a verification on who you are why cant they ask for a different kind of photo ID? It's suspicious when you are asked for either a passport or a drivers license even if you blank out the info

    No way. While some actually are legit, think about what would happen if that picture of your card was seen by an unhappy employee.

    This happens all the time in China, quite unfortunately. They will reject your purchase if you don't send it. It's supposed to be for "fraud prevention." It really helps assist in committing fraud, though. They get a picture of your signature on paper, plus your card, and then they can do anything with it. This is why I use throwaway cards in China.

    While I agree that it could be used in committing fraud (and I'm NOT recommending the practice), I believe the intention, at least some of the time, is to ensure the customer is the actual cardholder. In the US, most credit cards can be validated against an address (street line and ZIP), which helps a merchant feel comfortable shipping goods. So if you have a US card and address, make sure you enter the correct billing address when prompted!

    @Ramhound How would one prevent "card not present" chargeback? The customer shouldn't send a full image of the card, I think they should show the name and block (by a piece of paper, finger etc) the cards number except the last 4 digit since these will be visible to the merchant payment gateway anyways. A lot of fraud transaction happen because the thieves have a list of card number and they start trying them out.

    **It actually does not matter it’s nothing PCI compliant.** My comment is also 5 years old. Serves no purpose to reply to a comment that old.

    @Ramhound Your comments is nearly 9 years old (now I'm starting to feel old...)!

  • Trynity

    Trynity Correct answer

    9 years ago

    I've seen similar requests coming from foreign sites/companies just because of how they handle credit card payments.Think of credit cards imprinters. Some countries/merchants still use them and somehow they assume that an image of the credit card could be just as valid.

    In the situations where I've come across this type of request, I have opted to send payment either via Wire transfer, Paypal or similar services. They were wholesale orders where the card could not be charged until the product was manufactured, etc.

License under CC-BY-SA with attribution

Content dated before 7/24/2021 11:53 AM