1. Introduction
2. Merchant Benefits
3. Service Requests
4. Special Promotion
5. Merchant Locations
6. Fraud Management

Introduction

Diners Club, the preferred charge card among frequent business travelers and affluent individuals, dominates the global travel segment in more than 200 countries and 54 local currencies. Diners Club serves merchants around the world by motivating Diner Club Card members to patronize merchants who welcome the Card.

According to the Nilson Report, Diners Club card members make the highest annual spend than any other card.

A "merchant" is an authorized member of Diners Club's growing network of outlets that accept the card. Currently, there are 8.2+ million merchants worldwide and over four thousand outlets in the Kingdom of Saudi Arabia. Our merchants have the honor of seeing the best customers coming through their doors!
When a card is charged at a merchant outlet, depending on the transaction amount, an approval code may be sought from the Diners Club Authorization Centre. This Centre functions round-the-clock.

The services provided to the merchants are:

1. Providing approval codes (24-hour operations).
2. Collecting charge slips (by Field Officers).
3. Delivering checks.
4. Support in reconciliation tasks.
5. Co-promote merchant products to DCSA card members.
6. Supplying merchant stationery, decals etc.

Contact Marketing Division on 800 244 0244 to sign up.

Merchant Benefits

a. More Business

As Diners Club card members travel frequently for business and pleasure, eat out
regularly and shop for more and of higher value items.

b. Greater Loyalty

As Diners Club card members spend the highest and their loyalty to the brand is
rewarded through the prize winning - Club Rewards program!

c. Building Incremental Sales from foreign card members

Diners Club network span over 200 countries and the card is accepted by more than
8.2 million merchant outlets. This gives you an opportunity to enhance your business
as thousands of Diners Club card members visit Saudi Arabia and use their cards.

d. Access to 24-hour Customer Service

Diners Club Saudi Arabia's Customer Service is available 24 hours and just a phone
call away. For Authorization Codes, to report a Card Lost etc our friendly Customer
Service Officers would be more than happy to help you.

Service Requests

Please submit your query to Diners Club and there will be a quick reply within one working day (Download Service Request Form):

1. Order for POS materials
2. Pick up Charge Slips
3. Billing/Payment Inquiries
4. Replace imprinter
5. Re-train Sales Staff
6. Additional Imprinter Required
7. New Outlet Opened
8. Change of Address etc maintenance

Special Promotion

Special offers that are currently made to Diners Card members by our various partners are:

Merchant Locations

Diners Club card is welcomed around the world by over 8.4 million merchant locations. . A sampling of our continually expanding list of merchants in Saudi Arabia could be seen by clicking any of the following merchant categories:

Fraud Management

1. The Basics of Fraud Prevention

• Hold on to the card until the transaction is completed
• Check cards presented for signs of alteration or counterfeiting
• Compare the numbers - the embossed numbers on the front, back and on the sales slip should MATCH
• Verify signatures - signature on the back of card and on sales receipt should MATCH

2. Identifying Potentially Fraudulent Transactions

• Making random purchases without regard to size, value or price
• Multiple purchases of identical items
  • Purchasing large items and refusing delivery
  • Attempts to rush through transactions or rush sales just prior to closing
  • Displays no interest in warranties for expensive items, or accepts without consideration
  • Presenting a credit card from a pocket rather than a wallet
  • If asked for photo ID, the customer claims to have left such identification at home or in the car
  • If the customer appears to be unusually young for utilizing credit cards
  • If the customer is overly slow and deliberate when signing the sales receipt or quickly sign the receipt

3. When You Suspect Fraud

If you or an employee suspects fraud, contact Diners Club International Authorization at:
800-244-0244 Remember, an approval number DOES NOT mean the absence of fraud.

4. Standard Security Features Common to Diners Club International Cards

The following is intended to give you an overview of security features found on Diners Club International Cards.

• Account numbers are 14 digits, beginning with 38 or 36
• World map is set against a microprint wavy lined background (DC Personal Card and all
  Corporate Cards)
• Embossed account number on card front matches engraved account number on card back
• Tamper-resistant signature panel contains Diners Club logo
• 3-D Hologram on back of all Cards "floats" and changes color when tilted
• Embossed Diners Club International logo [unique identifier] appears in lower right of card
• Valid From and expiration dates

5. Identifying Counterfeit or Altered Diners Club International Cards

Whenever a Diners Club International Card is presented ask the following questions. They will help you identify whether the card presented is fraudulent or not:

a. Is this the card member?

• The Diners Club Card is NON-TRANSFERABLE. Only the card member may use the Card.
• Do the names match?
• Verify that the name embossed on the card, in the signature panel, and appearing on the sales slip or terminal are the same

b. Do the signatures match?

• Check the card.
• Check the sales slip.
• Compare the signatures. Are they the same? Is the name misspelled or different?

c. Do the account numbers match?
d. Is the account number on the front and back of the card and on the sales slip the same?
e. Is this a valid card?
f. Verify the Valid From and Expiration dates embossed on the card front.
g. Is the card signed?

6. Is the signature panel normal?

• Does the Diners Club logo appear in the panel?
• Is the account number engraved into the panel?
• Is the 3-digit Card Verification Value, (CVV), security code engraved into the panel?
• Has the panel been altered or does it appear to have been erased?

7. Is there a unique identifier?

• Is the unique Diners Club logo embossed on the lower right corner
• Does it appear altered?

8. Does the card look and feel "right?"

• The Diners Club Personal Card and all Corporate Cards display a world map against a wavy lined background.
• Does the card seem unusually flexible?
• Does the card ink appear smudged?
• Are the embossed characters evenly spaced?

9. Check the hologram.

• Does the hologram on the back appear 3-dimensional, float and change colors when tilted?

10. Is the customer behaving normally?

• Large quantity buys of very expensive merchandise without trying the items on.
• Attempts at "rush" sales just prior to closing time or to try and "rush" through the transaction; excessive quantities of the same items.
• Does the customer appear unusually anxious?

11. Credit Card Skimming

Credit card skimming is the transferring of magnetic stripe data from one credit card to another. AT NO TIME will a Diners Club International card be embossed with one name and account number but display another when processed through your terminal. Again, check the embossed numbers on the front of the card and back of the card against the sales slip. The numbers should be the same.

12. Mail Order / Telephone Order

To avoid the risk of fraud, remember to ask the card member for:

• Their name exactly as it appears on the card
• Their card account number
• Card Valid From date
• Expiration date
• Billing address IN ADDITION TO the shipping address
• Home or business telephone number
• Telephone number to reach the card member [if different than home or business number]

To verify the billing address, call Diners Club International Authorizations at 800-244-0244 to verify the billing address.

13. Internet Retail

You must transmit via a mechanism that protects information from being intercepted or disclosed during transmission. In addition, your Web site and attendant data capture mechanism containing account information must be secure.