Which scenario should businesses respond to?

• A. When the purchase was made by someone other than the real card holder
• B. When the purchase was made by the real card holder
• C. When the merchant wants to avoid refunds
• D. When the purchase was made by the real card holder and aligns with terms and cancellation policies

Answer: (D)

Responding to a transaction makes sense when the purchase is authorized by the cardholder and covered by the seller’s terms and cancellation policies. When the real cardholder made the purchase and it fits the agreed rules, it’s a legitimate sale, so the merchant should proceed—fulfilling the order and applying refunds or changes only as dictated by those terms. If the purchaser isn’t the cardholder, or if the sale falls outside the stated terms, you’d handle it differently—investigating potential fraud or enforcing the policy rather than treating it as a standard approved sale. That’s why the best scenario is the real cardholder making a purchase that aligns with terms and cancellation policies.