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Up to Discussions in Deposits, Payments, Fees
2351 Views 7 Replies Latest reply: Aug 28, 2012 6:48 PM by marilyn RSS
New Member
dwbc153
8 posts since
Nov 13, 2011
Currently Being Moderated

Feb 19, 2012 10:59 PM

Renter gave me credit card without 3 digit code

I had a last minute renter that faxed me her contract with the Credit Card info written on the contract.  Well, at the time I did not have time to charge her card, so in good faith, I went ahead and gave her directions, instructions etc.  Well, about 2 weeks later I received an email from her asking about the status her deposit.  When I looked into it, I found that I had never charged her card because she did not write down her 3 digit security code.

 

So, I returned her email and told her what had happened and requested that she provide the code.  She never returned that email.  I have emailed her several times since them, even using an email tracking program that ensured me that she did indeed open my email.  Now, two months later, I have not been able to charge her.  Any suggestions?  Is there anyway to charge a credit card without the 3 digit security code?

  • sodamo Contributor
    sodamo
    259 posts since
    Nov 5, 2011
    Currently Being Moderated
    Feb 20, 2012 1:07 AM (in response to dwbc153)
    Re: Renter gave me credit card without 3 digit code

    Guess I'm confused, as I didn't read about any attempt to remedy via a phonecall, that would have been my early attempt as I can understand not wanting to provide the info via email. Silly me, one time I got the number, code, etc, but forgot to get the zip code, had to call back. The only way I know to process without the code is if you have like a PayPal account and send an invoice for them to pay. If the renter is nonresponsive are you canceling the "contract"? Likely, there really is no contract as without charging the card, there is no consideration.

     

    David

  • bend2011 Community Ambassador
    bend2011
    163 posts since
    Apr 28, 2011
    Currently Being Moderated
    Feb 20, 2012 11:04 AM (in response to dwbc153)
    Re: Renter gave me credit card without 3 digit code

      You cannot charge the card without the security code.   The easiest way to avoid forgetting in the future is to charge the card immediately after you receive the information then tuck it away in the file folder for paid or deposit.

     

    Now, if she did not stay, you simply cancle the reservation and don't worry about it.

     

    If she did stay, there is a possibility for recourse.

     

    But until we know...

     

    Lara

    www.alluringbend.com

  • swiss-house Community Ambassador
    swiss-house
    267 posts since
    Jul 6, 2011
    Currently Being Moderated
    Feb 20, 2012 11:58 PM (in response to dwbc153)
    Re: Renter gave me credit card without 3 digit code

    I use Authorize.net for credit card processing.  They don't use the 3-digit code for verification - they validate against the address / name / card combination. 

    • marilyn Community Ambassador
      marilyn
      462 posts since
      Nov 9, 2011
      Currently Being Moderated
      Aug 28, 2012 6:48 PM (in response to swiss-house)
      Re: Renter gave me credit card without 3 digit code

      Even at this late date you can charge a card if services or product was provided. Many card processing companies do not require a security code.

       

      Since renter asked for her security deposit back, I assume, she stayed at your home. If you have proof of that stay, you can charge away even a couple of months later. Here's hoping her card is still active or good.

       

      Marilyn

      Www.hamptonhouseproperties.info

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