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One call to your credit card company about the fraudulent charge and it’s resolved. They will do an investigation and the price of the original transaction befo

by xwdv 6y ago

One call to your credit card company about the fraudulent charge and it’s resolved. They will do an investigation and the price of the original transaction before the tip will be discovered. Also, the employee who changed the tip amount will likely be fired.

naturalauction 6y ago
Additionally the whole charge is likely to be reversed (or it has been for me in similar situations) and the business will have to pay a pretty big ($20+) fee. Of course the employee could be a bad actor but it's in the businesses best interest to try to ensure that isn't the case. I think if there are too many chargebacks, the business gets designated as high-risk and will also have to pay more processing fees. One thing to note about the US is that card processing fees are more than double what they are in the UK/EU. It allows CC companies to eat the costs of fraud more without passing it onto the consumer/business.
dkarp 6y ago
Right, so you're saying it up to me to notice and call the credit card company? In that case, I need to go through my statement and remember that the $70 charge was supposed to be $60, or have the receipts and check it. That isn't something I have to do here, because it all happens at the same time. Or are you saying that the penalty for the restaurant/server is high enough that this sort of thing just doesn't really happen much?
- chrisdhal 6y ago
  I've never seen it happen and I use credit cards for everything. I can't remember the last meal in a restaurant that I didn't use a credit card. I've never heard of it happening from any friends or family either. It just isn't a thing. Same with stealing number. Yes it's kind of strange that most of the time the server just takes your card and disappears for a while, but I've never heard of a number being stolen from anybody I know. Of course, it does happen, but it's very rare.
- xwdv 6y ago
  Here’s the thing man, until you personally see it happen at least once, don’t bother worrying about it. The odds are super slim and the incentives to commit tip fraud on one meal are high risk for little gain. I’ve never seen it happen or heard of it happening.

by xwdv 6y ago

naturalauction 6y ago

Additionally the whole charge is likely to be reversed (or it has been for me in similar situations) and the business will have to pay a pretty big ($20+) fee. Of course the employee could be a bad actor but it's in the businesses best interest to try to ensure that isn't the case. I think if there are too many chargebacks, the business gets designated as high-risk and will also have to pay more processing fees. One thing to note about the US is that card processing fees are more than double what they are in the UK/EU. It allows CC companies to eat the costs of fraud more without passing it onto the consumer/business.

dkarp 6y ago

Right, so you're saying it up to me to notice and call the credit card company? In that case, I need to go through my statement and remember that the $70 charge was supposed to be $60, or have the receipts and check it. That isn't something I have to do here, because it all happens at the same time. Or are you saying that the penalty for the restaurant/server is high enough that this sort of thing just doesn't really happen much?

chrisdhal 6y ago
I've never seen it happen and I use credit cards for everything. I can't remember the last meal in a restaurant that I didn't use a credit card. I've never heard of it happening from any friends or family either. It just isn't a thing. Same with stealing number. Yes it's kind of strange that most of the time the server just takes your card and disappears for a while, but I've never heard of a number being stolen from anybody I know. Of course, it does happen, but it's very rare.
xwdv 6y ago
Here’s the thing man, until you personally see it happen at least once, don’t bother worrying about it. The odds are super slim and the incentives to commit tip fraud on one meal are high risk for little gain. I’ve never seen it happen or heard of it happening.