Airlines Reporting Corporation (ARC) Specialist Training Practice Test

Liability protection in card-present sales hinges on having verifiable evidence of the cardholder's authorization. Obtaining an imprint of the card and a signature on the Universal Credit Card Charge Form provides concrete proof that the cardholder was present and approved the charge. The imprint captures the card data and confirms the card used matches the cardholder, while the signature confirms consent. Together, they create a defensible record against chargebacks because a dispute would have to argue that the cardholder did not authorize the transaction, which is supported by documented authorization and tangible evidence. Relying on the cardholder's email for authorization isn’t a reliable, verifiable record and can be forged or intercepted. Capturing only the card number without the name fails to tie the transaction to a specific cardholder and lacks essential identifying details. Requesting a secondary authorization from the issuer isn’t a standard method for preventing chargebacks and can’t replace the merchant’s own authorization record.