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Old 02-11-2011, 02:26 PM  
Kimmykim
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Join Date: Jun 2001
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Wow, lots of misinformation in this thread.

The CA law is in regards to swipe transactions with the customer present.

When someone is buying something at a POS terminal, the card company may require the store clerk to type in the last 4 digits of the card, which is pretty much designed to make the clerk actually look at the card and check the back for a signature. Then if the consumer hasn't signed the card, they are supposed to ask for ID. Most card companies don't ask for ZIP codes at POS since the customer is standing there with their card, and presumably, their ID.

Card not present transactions can ask for zip codes at the processing point, same as always, as that's one of the more basic card verification processes. It's no different than a gas station asking for a ZIP since there is no one standing at the pump to check to make sure the cardholder is the one using the card.
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