1️⃣ Square Device Connection

Ensure your Square device is properly connected to your phone at the start of your shift.

2️⃣ Avoid Tap Card Payments

Whenever a customer uses a physical card (not a virtual card like Apple Pay), ask them to insert the chip into the Square device instead of tapping. Avoid taking tap card payments (via phone or Square device) whenever possible.

3️⃣ Customer Signatures

Make sure the customer provides a valid signature on the signature page—not just a random scribble.

💡 Why This Is Important
Recently, there have been cases where customers purchased photos but later claimed to their bank or Visa that the charges were unauthorized. Here’s what we’ve learned:

• Tap Payments (via phone or Square) don’t require explicit approval, so banks are more likely to side with the customer and cancel the transaction.

• Payments made with chip insertion and a valid customer signature are far less likely to be disputed, protecting both you and the company.

🔍 Note: If a disputed payment is made via tap, a deeper investigation with the photographer will be required. To avoid this, prioritize chip insertion for physical cards.

Exceptions

For virtual card payments (e.g., Apple Pay, Samsung Pay, Google Pay), tap is acceptable, as the customer must unlock their device to approve the transaction.