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Points to check for the genuine MasterCard Travellers Cheques

1. You can feel the sharply defined image and raised texture in the main text and cheque borders.

2. When you turn the cheque over and hold it up to the light, a watermark of the goddess's face should be visible through the white circle on the back of the cheque.

3. The cheque will show either the Thomas Cook portrait or the value of the cheque.

4. Normally, for the buyers, they'll stamp their name or company name on the cheque but some might not do it so.

5. On the left hand side of the cheque, inside the circle, the design here may vary. It will contain the MasterCard goddess, the euro travellers cheque symbol, or another symbol.

6. On one of the border sides of the cheque, it may show the name of the issuing institution or selling location. Names will vary.

How to identify counterfeit Interpayment Visa Travellers Cheques

1. Paper and Watermark - Interpayment Visa Travellers Cheque paper has the crisp feel of currency. When a cheque is held up to the light, a watermark of the Visa Dove can be seen in the blank area to the left. If this watermark is not clearly visible, the cheque may be a counterfeit. When in doubt, please phone their 24-hour customer service centre.


2. Background Pattern - The background is multi-coloured and multi-patterned. A blue pattern on the right side of the cheque blends into pink toward the centre. The word "VISA", followed by the cheque currency and denomination, are rendered in yellow-tan and grey rays.

3. Holographic Bands - Silver, metallic, holographic bands appear to the right of the Visa Symbol. When the cheque is tilted, the colours within the bands will appear to change. The word "secure" also appears in each band, in an overall repeat pattern. If the color of the bands appears black, the cheque may be a counterfeit.

4. Engravings - Engraving is used on the Visa Dove, the cheque's border, and the Primary Denomination Indicator in the upper left corner. These engravings have a slightly raised texture, and the printing is sharp and clear, not blurred.

5. The Visa Symbol - The blue, white and gold Visa Symbol is prominently displayed on all Interpayment Visa Travellers Cheques.

6. Issuer or Seller Name - Near the left upper corner of the cheque, the Issuer's name, or that of a sales agent, may appear on the cheque, or the area may be blank.

7. Anti-photocopy - If an Interpayment Visa Travellers Cheque is photocopied, the word "VOID" may be visible on the copy. Be alert for this. However, any photocopy will also lack other security features described here.

8. Security Inks - If alterations to the purchaser's signature have been made, the background pattern in the signature area may be smudged or erased and some discolouration may also be evident.

9. Issuer's Name - The name of the cheque issuer will always appear under the "PURCHASER'S SIGNATURE IN FULL".

NOTE: Some Interpayment Visa Travellers Cheques may carry instructions for encashment or negotiation. These will appear on the cheque's reverse side.