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# Processing and Funding - Potential Risk of Hand-key Sale

# What is Hand-Key Sale 

Hand-key sale is a mode of transaction when the sale is made with hand-typing the full credit card number and expiration date. 

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# Common Seen Hand-Key Sale 

* Take-out only restaurant    

* Phone order/ Pre-pay order by phone 

* Online order/ Order on website 

* The merchant re-key tips 


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# Risks of Hand-key Sale 

* Hand-key sale is the least secure way to run a payment, if chargeback occurs, it is very likely the merchant could successfully challenge back the sale, and needs to pay for the chargeback fees. (Reference: [Chargeback](https://help.zbspos.com/zh/article/6lww6lsm55u45ywz6zeu6akyic0g5lua5lmi5piv6lww6lsm-1nrww2z/)）

* Hand-key sale comes with a higher credit card processing fees. 

* Hand-key sale can decrease the merchant's reputation. 

* Hand-key sale always increase the risk for fraudulence as charging a counterfeit credit card or a stolen card.  


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# How to Reduce the Risk of Hand-key Sale 

* Reduce the number of hand-key sale. According to the card brand's new guideline, Retail/Restaurant/Massage and other business are required to process with read chip or EMV cards.   

* If a customer's card has no chip or the chip is damaged, inform the customer to use another card or pay by cash.

* For take-out businesses, portable terminal like Clover go, A920, CardPointe Reader are great tool to avoid hand-key sales.