Using a credit card without having the actual card on hand?
By Michelle
@infatuatedbby (95001)
United States
March 27, 2017 8:39pm CST
I ordered dinner at a smaller restaurant today & upon waiting - a man walks in and tells the cashier, he totally forgot his wallet and "if" he could pay with his credit card but without the card on hand. Not Android Wallet, Apple Pay but with his girlfriend sending a picture of his card.
The cashier said yes, it's possible.
Am I missing out on something? Is it really possible? The lady did not even pin in the information let alone verify his information, instead told him to pin it himself on the screen like you would at home making an online purchase.
I thought that was awfully strange, right? But I guess it would be secure just encase it is a stolen credit card, since hopefully there are active cameras?
17 people like this
17 responses
@Marilynda1225 (79769)
• United States
28 Mar 17
It seems a bit strange that his purchase was made without the actual card but I guess its done often enough these days
4 people like this
@infatuatedbby (95001)
• United States
28 Mar 17
I know some link their cards to their phones. But I never heard of someone showing their card via picture and saying that is their card and then just inputting it in to pay though.
2 people like this
@cacay1 (83223)
• Cagayan De Oro, Philippines
28 Mar 17
@Marilynda1225, The numbers might be the valid support.
1 person likes this
@cacay1 (83223)
• Cagayan De Oro, Philippines
28 Mar 17
@infatuatedbby , I like it, very useful and helpful way thru tech.
1 person likes this
@infatuatedbby (95001)
• United States
28 Mar 17
He was on the phone with his girlfriend supposedly asking her to send him the photo of his card and the back (since he asked the cashier, does she need the 3 digits also).
Then he proceeded to punch the information in and that was it! Paid. I mean for a few bucks I guess, but his meal was $50!
1 person likes this
@rebelann (111191)
• El Paso, Texas
28 Mar 17
I can't help but wonder if he and his girlfriend stole a credit card then cooked up this way to pay for a meal or whatnot @infatuatedbby the cashier should not have accepted it.
1 person likes this
@infatuatedbby (95001)
• United States
28 Mar 17
@rebelann I have no clue! I wouldn't have accepted it it also. I've used my fiancés card in the past without anyone asking me but I didn't make it obvious either.
1 person likes this
@infatuatedbby (95001)
• United States
28 Mar 17
It sounds fishy to use a credit card that he does not have on hand to order food. He had no form of ID either. But by having him input the card himself, I guess that shows the cashier was not doing him a favor, but he was authorizing the payment himself. It was not just a couple of bucks but rather $50 worth of food.
3 people like this
@Hatley (163781)
• Garden Grove, California
28 Mar 17
@infatuatedbby yes that would make one wonder K use a debit card instead so I never spend more than I have
3 people like this
@celticeagle (159102)
• Boise, Idaho
28 Mar 17
Their choice I guess. I sure wouldn't have taken that.
3 people like this
@infatuatedbby (95001)
• United States
28 Mar 17
I would not think so either, but the place accepted it and manually allowed the man to input "his so called card" that his girlfriend took a picture of.
3 people like this
@infatuatedbby (95001)
• United States
28 Mar 17
@Shavkat Yes it was a loud conversation
1 person likes this
@Shavkat (137213)
• Philippines
28 Mar 17
@infatuatedbby I am sure some the customers aside you were so puzzled.
1 person likes this
@infatuatedbby (95001)
• United States
28 Mar 17
I'm not too sure.
The man asked if he could half way entering the store, and I suppose if rejected, he'd walk back out.
3 people like this
@infatuatedbby (95001)
• United States
29 Mar 17
@wiLLmaH Oh I see! We do not have that yet. But we have Apple Pay, Android Pay.
2 people like this
@wiLLmaH (8801)
• Singapore, Singapore
29 Mar 17
@infatuatedbby Oh! That is cool! Here in Singapore all we do is Visa Wave. No need to check sign. in Philippines, you still need to sign and the cashier will ask for any ID.
2 people like this
@Asylum (47893)
• Manchester, England
28 Mar 17
@infatuatedbby It would also require the 3 digit security code off the back of the card. This would then be confirmed with the bank before the order processing could continue.
1 person likes this
@infatuatedbby (95001)
• United States
28 Mar 17
@Asylum Yes the man asked if he needed to provide the 3 digits. The cashier, said yes. He said ok.
2 people like this
@infatuatedbby (95001)
• United States
28 Mar 17
Me too!
I know you could order online like shopping or whatever but the credit card inputted would require a billing, shipping address.
2 people like this
@Fishmomma (11377)
• United States
30 Mar 17
I paid for a meal without my card, as the manager knows me. It was expensive so this could be alright. Could the person be a regular and the cashier knows him.
2 people like this
@infatuatedbby (95001)
• United States
30 Mar 17
I'm not sure if the person knew the cashier and vice versa but the customers impressions seemed like he wasn't sure
He walked half way and asked if it's possible so if he's rejected he'd walk half way out.
@infatuatedbby (95001)
• United States
29 Mar 17
I know right? Sort of strange in my opinion! I would not accept it if I was the owner but it was an employee, probably didn't care.
1 person likes this
@infatuatedbby (95001)
• United States
28 Mar 17
@cacay1 Yep power of our phones.
1 person likes this
@infatuatedbby (95001)
• United States
28 Mar 17
His girlfriend took a photo and texted him.
1 person likes this
@cacay1 (83223)
• Cagayan De Oro, Philippines
28 Mar 17
@infatuatedbby , That is credible, but possible in this world of tech.
1 person likes this
@Plethos (13560)
• United States
28 Mar 17
im not surprised. all you need is the card number, name on card , pin number and in some cases the 3 number security pin on back. as long as you know this info, its doable. we, all of us, do it all the time when we pay for something over the phone only using this info.
2 people like this
@infatuatedbby (95001)
• United States
28 Mar 17
Yes, we do at home for online purchases, but never in a store.
I am thankful when people ask for my ID (because the back I put check ID)
1 person likes this
@chrissbergstrom (10767)
• Banks, Oregon
28 Mar 17
You would think he'd need proof it was his card maybe she could see his name on the card? i never thought to do something like that interesting, i imagine it all depends on the place?
2 people like this
@infatuatedbby (95001)
• United States
28 Mar 17
But even with his name. He didn't have his wallet, so no proof of drivers license? She didn't ask him anything except turned the screen and allowed him to input everything and paid.
I was just sitting there and was like wow! This is all very new to me!
1 person likes this
@infatuatedbby (95001)
• United States
28 Mar 17
@chrissbergstrom Not that I know of.. He didn't walk all the way up to the cashier. He asked half way, encase he would be rejected to walk back out. Then when she said 'yes, we can'. He said great, and ordered a bunch of stuff.
1 person likes this
@chrissbergstrom (10767)
• Banks, Oregon
28 Mar 17
@infatuatedbby Does seem very odd could she have known the person?
1 person likes this
@CaseyRoss9966 (4056)
• United States
28 Mar 17
I have never heard of a restaurant doing this before but we have done it at my job with Alumni members. You can use the cards as long as you know the card number, pin, expiration date, and security code. When alumni members come to the alumni house and want to buy homecoming stuff and don't have cash we just take this information from them and charge it to their card later. It takes a very trustful person to do this job.Plus just because they have the card in person and use it doesn't mean it is really their card, to begin with. I have used my parent's cards before and my boyfriends and no one has ever questioned it. My card, on the other hand, has my photo on it because that is how my bank does their cards.
1 person likes this
@infatuatedbby (95001)
• United States
28 Mar 17
@CaseyRoss9966 With our phones we have to personally load in the information and I'd assume there is tracking? It would ultimately be traced back to the owners phone I'd think. Whereas just inputting the number it manually It could be anyone's information.
1 person likes this
@infatuatedbby (95001)
• United States
28 Mar 17
Yes! That is right ~ just because someone has a card present, it doesn't necessarily mean it belongs to the person. I have done that several times also.
But, at a restaurant? I would never think that would slide. But since it was a smaller restaurant so maybe they wanted the money and do not refuse service.
3 people like this
@CaseyRoss9966 (4056)
• United States
28 Mar 17
@infatuatedbby If we can pay with our phones now which seems very sketchy to me then why not pay with just a picture of it.
1 person likes this
@subhajitsil6 (961)
• Kolkata, India
28 Mar 17
This things happens these days, and many a times, they are easy to use and convenient as in the man in your discussion, if this facility wasn't available then the man would have been in great trouble. As for the security there are many protections, say the OTP generation.
1 person likes this
@infatuatedbby (95001)
• United States
28 Mar 17
I don't think credit cards would detect suspicious fraud easily since it's food. However if it's a major purchase than yes.
2 people like this
@infatuatedbby (95001)
• United States
28 Mar 17
Yes, it is possible since we do it online when we online shop but it was fishy to me.
1 person likes this
@amandajay (23264)
• New Zealand
28 Mar 17
Oh is that so? Thats so strange. Then anyone can take a photo of a card and spend there... Noone will get to know... Is this really possible?
1 person likes this
@infatuatedbby (95001)
• United States
28 Mar 17
It sure worked for the man.
I mean we could at home for online shopping but if it's stolen wouldn't be smart as the items ordered needs to go to a location? And using computer has IP address so they'd be caught, no?
I have no clue.
1 person likes this
