What is displayed under ultraviolet light on a mastercard. Bank plastic cards
Appendix No. 1
to the Acquiring Service Agreement
RULES
PAYMENT CARD IDENTIFICATION
SERVICES FOR PAYMENT CARD HOLDERS
1 . TYPES OF CARDS
1.1. Carry out an external inspection of the card in order to determine its mandatory details and security elements.
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1.2 MapVISA.
Visa
1.2.1. On facial on the side of the card are located:
1.2.1.1. At the top of the map - name of the issuer and/or its logo. Can be located on both the front and back of the card. Only one name of the issuer and/or its logo is allowed, either on the front or back.
1.2.1.2. Embossed (embossed) or printed card number. The VISA card number always begins with the number " 4 " and consists of 16 digits (four groups of four digits). The numbers must be straight and the same size. The card number must match the number that is displayed on the terminal and printed on the terminal receipt.
1.2.1.3. Directly below (may be above) the first digits of the card number is a printed four-digit bank code ( first four digits of BIN
). Code Necessarily
must exactly match the first four digits of the card number.
1.2.1.4. Logo VISA in the lower right or one of the upper corners of the card (in the upper left corner only for cards with a chip). The letter on the logo should appear under ultraviolet light V.
1.2.1.5. Hologram with an image of a flying dove - on the right side of the card above (or below) the logo VISA. The last four or three digits of the number are embossed or printed on a hologram. The hologram can be on the back side of the card, but it must not be on the front side (only 1 hologram is allowed on the card: either on front side, or on the back). On the back of the card there is a smaller hologram than usual on the front.
1.2.1.6. Card validity period embossed or printed with her number. It may include the start and end date of the card's validity period. In the case where the date includes only the month and year, the card is valid until the last day of the specified month. The card must not be accepted for payment before its expiration date.
1.2.1.7. Cards are embossed or printed below the expiration date cardholder's first and last name(presence is optional). Sometimes the name of the organization or any other information is indicated under the Cardholder Name (for example: “555 R” or “MOTE”, etc.).
1.2.1.8. Directly above the first digits of the card number may be located chip(optional, presence not required). It can be golden or silver in color, of various shapes and structures.
1.2.2. On negotiable on the side of the card are located:
1.2.2.1. Magnetic strip- at the top or bottom of the map. Can be of different colors and heights. Instead of a magnetic stripe, there may be a holographic stripe.
Holographic magnetic stripe - A new option is to combine a magnetic stripe with a hologram.
1.2.2.2. Signature strip holder, which he must put when receiving the card. Under ultraviolet light the words "V" appear on the stripeISA». If you try to change the signature (or damage the signature strip), the words “VOID” (invalid, canceled) appear on the strip. The holder's signature signature strip must contain the card number (or at least the last four digits of the card number) that matches the number embossed or printed on the front of the card. It can be of different lengths (in cards with a CHIP, it must be shorter by at least a distance equal to the size of the chip).
Under (sometimes above) this strip there may be (optional) the inscriptions “Authorized Signature (signature sample)” and “Not Valid Unless Signed.”
1.2.2.3.Three-digit code CVV2, printed on a white margin next to (to the right) the holder's signature sample strip or directly on it.
1.2.2.4. Customer service phone number The bank that issued the card.
1.3. Visa Electron card.
VISA Electron cards have the same features as standard VISA cards with the exception of a number of features:
1.3.1.All elements on the cards VISA Electron non-embossed (not raised, printed flat).
1.3.2. V LogoISAwith Electron indicator (Necessarily). The logo is located in the upper or lower right corner of the card.
1.3.3. The card number may not be printed in full. At least the last four digits of the card number are allowed. In this case, a four-digit bank code (the first 4 digits of the card’s BIN) must be present on the front side.
1.3.4.
1.3.5. Necessarily must be present inscription ELECTRONIC USE ONLY(the card is used only in electronic terminals). The inscription ELECTRONIC USE ONLY may also be on the back of the card.
1.3.6. The full number (or the last four digits of the card number) on the signature strip may also be missing on the back of the CVV2.
1.4. CardsVISAnon-standard design.
VISAAndVISA Electron may have a special design.
1.4.1. CardsVISA Mini. The VISA-mini card is smaller in size. Can be hung on keys as a “keychain”. Card data can only be accepted by signature (PIN is not required). Visa Mini may not have four printed digits under the card number. If the Visa Electron Mini card does not have the full 16 digits of the card number, then the presence of CVV2 on the reverse side is not necessary.
1.4.2.. Holographic cards
1.4.3. Transparent cards have a standard design, but are made of transparent plastic.
1.5. MasterCard.
Front and back sides of the card MasterCard have certain details that are mandatory for all cards of this type.
1.5.1. On the front side of the card are:
1.5.1.1. Embossed (applied with a raised print) card number. The MasterCard card number always starts with the number "5" and consists of 16 digits (four groups of four digits).
1.5.1.2. The card numbers are located below or above the first embossed digits first four digits of the card BIN, which should ( definitely) match the first four digits of the embossed card number.
1.5.1.3. MasterCard logo(two intersecting circles of red and yellow with the inscription MasterCard in white printed on their background), placed in the upper right or lower right corner of the card. The logo, in addition to the logo on the front, may also appear on the back of the card.
1
.5.1.4.
Hologram with the image of two intersecting circles, representing a three-dimensional image of the earth's hemispheres with the continents located on them. The background of the hologram consists of a field containing strings of repeated words MasterCard. When turning from left to right, the continents on the hemispheres and the words MasterCard in the background shift. When you rotate the card from top to bottom, the color of the MasterCard words changes from blue-green to yellow-orange. The outline of the circles is made of MC symbols, visible only at 5x magnification. The hologram can be located either above or below the MasterCard logo. The last four digits of the card number may be embossed on the hologram (except for special design cards). The hologram can also be located on the back side, but it must not be on the front side (only 1 hologram is allowed on the card).
1.5.1.5. Card validity period embossed under the card number. It may include the start and end date of the card's validity period. In the case where the date includes only the month and year, the card is valid until last day the specified month. The card must not be accepted for payment before the start date and after the expiration date.
1.5.1.6. First and last name card holder, embossed below the card's expiration date. The name of the organization or bank may be embossed below. Availability is optional, may not be available.
1.5.1.7. Ultraviolet elements. In ultraviolet rays, the letter “M” is displayed in the lower left corner of the card, and the letter “C” is displayed in the lower right (near the hologram).
1.5.1.8. Directly above the first digits of the card number may be located chip. Can be of different colors and structures. Availability is optional.
1.5.2. On back of the card located:
1.5.2.1. Magnetic strip- at the top of the map. On all MasterCard cards Necessarily there must be a magnetic stripe. Can be of any color and height. The magnetic strip may contain the inscription – Name of the Bank that issued the card or the telephone number of the support service of the Bank that issued the card.
G
oloma stripe. A new option for combining a magnetic stripe with a hologram is called HoloMag. In this case, a special coating is applied to the place where the magnetic stripe is located, combining a magnetic stripe and a hologram. Distinctive features of HoloMag are volumetric spheres in 2 alternating colors, the surface of the spheres has a certain structure, the dot in the background is aligned when the card is rotated, the inscription is clearly visible MasterCard, the rings around the spheres are made up of microtext "MC" which are visible at 10x magnification, one "MSN" microtext appears at a specific location on the top left side of the rings, if you turn the card over and look at the hologram, a dot will appear at the top.
Several options for the location of holograms and/or HoloMag are possible:
The hologram is located on the back of the card.
HoloMag is a magnetic strip made in the form of a hologram ( reverse side). In this case, there may be no hologram on the front side.
HoloMag is a magnetic strip made in the form of a hologram (reverse side) in addition to the hologram on the front side.
1.5.2.2. Under the magnetic stripe - cardholder signature strip, which he puts down when receiving the card. The signature panel must contain multiple slanted (45 degree angles) typographic inscriptions “MasterCard” in red, blue and yellow.
1.5.2.3. Must be present inscription “This card is issued by (Full Issuer Name) pursuant to license by MasterCardInternational.” Not necessarily e If the name of the Bank is indicated on the front side of the card.
1.5.2.4.Inscription"Authorized Signature".
1.5.2.5.Inscription"Not Valid Unless Signed".
1.5.2.6.Bank support phone number, who issued the card to cardholders.
1.5.2.7. The holder's signature must be printed flat on the sample strip (the elements must not be convex) card number or last 4 digits of the card number, coincidental with the number embossed on the front of the card.
1.5.2.8.C.V.C. 2. Unique three-digit code. May be printed on the signature panel, or in a separate white square to the right of the signature stripe.
1.5.2.9. The back of the card usually states that the card is the property of the issuer and can only be used by the holder whose name is embossed on the front of the card.
1.5.3. Map MasterCardUnembossed.
MasterCard Unembossed cards have the same features as standard MasterCard cards with the exception of a number of features:
1. All element s on MasterCard Unembossed cards not embossed(not convex). Necessarily.
2. Necessarily there should be the inscription “ ELECTRONIC USEONLY»
3. Always swipe your card MasterCardUnembossed on an electronic terminal.
1.6. Maestro Card.
Front and back sides of the card Maestro have certain details that are mandatory for all cards of this type.
Any card transaction Maestro regardless of the amount must be authorized electronically (at POS -terminal) subject to reading the magnetic stripe of the card or chip, as well as the mandatory input PIN code.
1.6.1. Maestro logo(in the form of two intersecting circles of blue and red with the inscription Maestro in white font). The logo can be either in the lower right or upper right corner of the card, or on the back of the card.
1.6.2. On front side of the card located:
1.6.2.1. Embossed (relief printed) or flat printed card number. The card number usually starts with 6 (mostly) or 5. The card number can consist of 12-19 digits. Sometimes a bank account number may be printed in place of the card number. On some maps Maestro The number may be missing or incomplete.
1.6.2.2. Card expiration date, embossed or flat stamped under the card number. It only includes the month and year. The card is valid until the last day of the specified month. Availability is optional, so some maps may not have Maestro.
1.6.2.3. First and last name of the card holder, embossed or flat-stamped below the card's expiration date. Availability is optional.
1.6.2.4. Directly above the first digits of the card number may be located chip.
1.6.2.5. The hologram may be missing.
1.6.2.6. The first four digits of the card's BIN may be missing.
1.6.3. On back of the card located:
1.6.3.1. Magnetic strip- at the top of the map.
1.6.3.2. Under the magnetic stripe - p strip for sample signature of the holder, which he puts down when receiving the card. The signature strip consists of a white field and may contain an ornament or security text. Also on the stripe there may be the last four digits of the card number, which matches the last 4 digits of the number printed/embossed on the front side. The card number is printed in a special “pressed” font slanted to the left. When you try to erase the cardholder's signature, the protective layer of the stripe is erased and the word VOID appears.
1.6.3.3. The back of the card usually states that the card is the property of the issuer and can only be used by the holder whose name appears on the front of the card.
1.7.MapMasterCardElectronic.
TO 
MasterCard Electronic cards have the same features as standard MasterCard cards with the exception of a number of features:
All elements on type cardsMasterCard Electronic –not embossed (not convex).
Map MasterCardElectronic specially designed for service using an electronic terminal (POS terminal) . The card must have a logo MasterCardElectronic(two intersecting circles of red and yellow with the words: MasterCard white with blue shadow and Eelectronic blue color.
Necessarily there is an inscription "VALID ONLY WHERE MASTERCARD ELECTRONIC IS ACCEPTED"
Cards MasterCardcustom design.
In addition to the standard design above, the cards MasterCard, MasterCard Electronic,MasterCardUnembossed may have a special design.
1.8.1. Cards MC² have a standard design, with the exception of the “cut off” lower right corner.
1.8.2. Holographic cards– the entire surface of the card has a holographic coating. Holographic cards usually come in a standard design.
Written consultation
Plastic cards distributed by banks of a particular payment system have their own distinctive features and various elements of their protection against counterfeiting.
At the same time, it should be noted that each payment system that imitates a PC periodically takes additional measures to further improve the elements of protecting PCs and other payment documents from counterfeiting.
A plastic card is thus a plastic rectangle, on the front side of which, in strictly fixed places for each issuer, there is a trademark designation of the payment system, applied in different ways for each system.
At the bottom of the front side of the card, an embossed account number is applied, which consists of 16 (less often 19) digits. The first digit determines the name of the interbank association (for example, No. 3 - American Express, No. 4 - VISA, No. 5 - Master Card, etc.).
The first six digits of an account number are called the base (or bank) identification number (BIN), which identifies the bank that issued the account number.
The following digits of the account indicate serial number cards in the payment system, they are the individual number of the card holder. Using this number at the bank you can obtain information: when the account was opened and who owns the card with this number, what transactions were carried out using a PC.
Under the account number, the date of expiration of the card (sometimes the beginning of the term) and the surname and name of the card holder are stamped using the embossing method.
In Russian payment systems, the embossed text on cards is in Cyrillic.
On the front side plastic cards Different payment systems have several elements to protect cards from counterfeiting
For example, on the front side of VISA cards there are the following protection elements:
a) A holographic image of a dove, which is located on the map on the right. When you change the angle on the hologram, you can see the movement of the edge of the dove's wing and a change in color is observed. In addition, the last four digits of the embossed account number are placed on the hologram.
b) Microprinting. The VISA Association logo is placed in the upper or lower right corner of the card, above or below the hologram. The logo is surrounded by a security feature known as microprinting. This tiny line of repeating alphanumeric code, invisible to the naked eye, consists of specific identification and control data, including the type of product and the name of the card manufacturer.
c) Ultraviolet pigeon. In the center of the card, a fluorescent image of a dove appears under ultraviolet rays.
d) The printed BIN is the number from the first four digits of the embossed embossed account number.
The BIN is either above or below the imprinted account number. Going forward, the Bank Identification Number (BIN) will be located below the account number.
e) VISA “V”. Immediately behind the card's expiration date, an embossed security feature called a "flying V" or "VISA V" is placed, with the left stroke of the "V" in a strictly vertical position.
On the reverse side of the card there is a magnetic stripe of two, three or four tracks for recording in encrypted form the information embossed on the front side of the card, as well as a PIN (personal identification number - it is four-digit and is the card holder’s password).
A magnetic stripe is a piece of special magnetic film that is attached to the card during its manufacture.
On the magnetic stripe of PCs issued by the VISA association, there is one of three elements to protect the card from counterfeiting: check value (CVV), space for the cardholder's signature, or check value 2 (CVV2).
Control value (CVV) is an algorithmically calculated number that can be controlled by the issuing bank when performing a transaction on an electronic terminal.
In the signature area (signature field) there is the signature of the card holder and on a white field at an angle of 45° the word “VISA” is printed in blue and gold letters.
When you try to remove a signature from a signature field, the word “VOID” appears on it.
The signature on the card is checked against the signature on the slip (sales receipt) at the time of purchasing the goods at the point of sale to ensure that the card is being used by its legal holder.
In addition, the indented signature field is printed with a left-skewed number known as Control Value 2 (CVV2), which can be used by the issuing bank to confirm the authenticity of the card.
Under the magnetic stripe on the back of the PC there may be information about its issuer.
In addition to the individual and original design for each payment system, there are other means of PC protection, which include: high-quality printing, hologram, photograph of the card holder, holographic laminating film, microtext, the presence and features of a stripe (signature field) for a signature sample, etc.
1. Bank card identification:
1.1. Identify the Bank card presented for payment (hereinafter also referred to as the “card”) and carry out an external inspection of the card to determine its authenticity and validity.
1.2. Do not service cards that have not yet expired or have already expired (the card's expiration date is indicated on its front side). The card's validity period reflects the card's start date and expiration date (for example, 07/00 07/02). Sometimes the card's expiration date may only contain its expiration date. The card's start and end dates are located below the number embossed on the card. The card is valid from 00.00 hours on the first day of the month indicated on it (in our example: - from 00.00 hours on July 1, 2000) until 24.00 hours inclusive of the last day of the month indicated on it (in the example: - until 24.00 hours inclusive on July 31, 2002 ).
1.3. Do not serve local cards, i.e. cards that indicate that they are valid only in one country, with the exception of Russia: if the card is local, the country of its validity is indicated on the front side (“Valid only in [country name]” - “Valid only in [country name]”) . The exception is cards that indicate “Valid only in Russia” - “Valid only in Russia”. Such cards must be accepted for payment.
1.4. Determine by the logo whether the Holder’s card belongs to one of the supported payment systems: VISA, MASTERCARD, DINERS CLUB/ DISCOVER.
2. Determining the authenticity of a bank card:
2.1. Make sure there are no signs of counterfeiting or damage to the card (bends, melted areas, traces of changes in the card number, holes and other obvious damage to the surface, etc.).
2.2. Make sure that the Holder's signature is on the back of the card and that there are no signs of tampering with the signature strip itself. If an attempt was made to change the signature on the panel, the word "VOID" will appear on the panel. If the signature on the signature strip differs from the signature on the slip/check, be sure to ask the Holder to sign again or present an identification document, the details of which should be written in the slip or on the front side of the terminal check. If there is no signature on the back of the card, ask the Cardholder to sign the card and present an identification document containing a sample of his signature. The card can be accepted for payment only if both signatures match, otherwise it can be withdrawn.
2.3. Having determined that the card belongs to one of the payment systems, make sure that the following required elements are present:
2.3.1. For VISA cards:
on the front side
- "VISA" logo in the form of a tricolor flag (blue, white, gold): "VISA" is written on a white stripe.
- the logo is located in the upper or lower right corner of the card;
- along the contour of the "VISA" logo in the form of a continuous frame there is a microprint of the code and BIN of the bank (bank identification number) of the card issuer;
- a hologram (three-dimensional image) in the form of a flying dove, pressed into plastic; when the map turns, the dove “flapping its wing”;
- on the front side there may be a contact group (the so-called chip or smart card), located above the first four digits of the card number;
- VISA card number starting with “4” and consisting of 16 or 13 digits: “4ХХХ ХХХХ XXXX ХХХХ” or “4ХХХ ХХХ ХХХ ХХХ”, the last group of numbers must be in the hologram field;
- the first four digits of the embossed card number must match the four digits of the bank's BIN, printed under the card number;
- the card’s validity period can be embossed with the initial and final dates, for example, 10/96 - 10/98, or only the final ones, for example, 10/98; the card can be issued for a period of 1 month, 1 year, 2 years and 3 years;
- after the expiration date of the card there must be a special security symbol “V”, embossed on the card in a special “flying italic” font (slanted to the right);
- an image of a flying dove in the center of the card, visible in ultraviolet light (violet or red glow);
- personal data of the Cardholder (name, surname) are applied by embossing;
- there may be a photo of the cardholder and/or a photocopy of his signature (see picture).
A card with a photograph of the owner and a photocopy of his signature on the front side.
On the reverse side
- magnetic strip soldered into plastic, not glued;
- if there is a contact group (chip or smart card), the signature strip should not extend into the area where the contact group is located;
- the signature panel must contain a clear (not erased or smeared) signature of the Cardholder;
- on the signature panel there is an oblique text of the repeated words “VISA”, written in blue and gold;
- in the upper right corner of the signature panel, the card number (or the last 4 digits of the card number) and three digits of the CVV2 security code are printed with a slant to the left;
- a photograph of the cardholder and/or a photocopy of his signature may be present.
ATTENTION!!! Since January 1, 2006, VISA cards of a new design have been introduced into circulation.
The following changes have been made for the new design VISA cards:
on the front side
The hologram with the image of a flying dove - on the right side of the Card above (or below) the VISA logo may or may not be present on the new Cards (the hologram may also be present on the back of the Card).
The last four or three digits of the number are embossed on the hologram.
- The validity period of the Card is embossed under the Card number. It may include a start and end date.
- The Card number begins with the number "4".
- New logo VISA can be located in the lower right, upper right and upper left corner.
- The logo contains an ultraviolet element - an image of the letter V (in the same format as on the logo).
- If the information on the Card is not embossed, but printed, there must be a notice “electronic use only” on the front side (only for use in a POS terminal).
On the reverse side:
The three-digit CVV2 code can be located either on the Holder’s signature strip or on a separate field located immediately after the signature strip.
- The stripe for the Cardholder's signature contains an ultraviolet element - the repeated word VISA (there are no VISA typographical inscriptions, a number of stripes are applied).
- The magnetic stripe can be standard, or it can be holographic (with the image of a flying dove).
- The three-digit CVV2 code and Card number on the Cardholder's signature strip are printed in italics with a slant to the left.
- New VISA Chip Cards may have vertical information.
Application
INSTRUCTIONS
VISA, VISA Electron, Eurocard/MasterCard, Maestro,
Diners Club and American Express
1. BASIC PROVISIONS.
Carefully check the cards in accordance with Section 2 of these instructions;
In the presence of the client, destroy incorrectly executed or damaged sales slips, tearing them in half;
Cancel the transaction if the client’s signature on the check does not match the signature on the card and the client does not have identification documents with him;
Carefully check the data indicated on the electronic terminal receipt with the data indicated on the front side of the card.
1.10. When conducting operations using bank cards trade worker HAS THE RIGHT:
Refuse to carry out a transaction using a card if an employee of an enterprise finds it difficult to identify the payment system to which the card belongs.
2. DETERMINING THE AUTHENTICITY OF BANK CARDS.
2.1. Before making transactions using bank cards, make sure there are no signs of bank card counterfeiting, namely:
The card is free of cuts, holes, abrasions, melted areas, cracks, scratches on the magnetic stripe, and foreign stickers;
The edge of the card is white;
The signature panel on the back of the card has no external damage, scuffs or erasures. The signature panel does not have the “VOID” inscription that appears when you try to change the signature;
The client's signature is clearly visible;
The card number is clearly visible, there are no traces of cuts or re-gluing of numbers;
If the card contains a photograph, you must use it to verify that the card actually belongs to the person presenting it.
2.2. Make sure that the validity period of the card indicated on its front side has already arrived and/or has not yet expired at the time of the transaction. The validity period is indicated under the card number and represents either the start and end date of the card, or only the expiration date of the card. To indicate the validity period, the numerical designations of the month and year are used, separated by a hyphen or “/” (the card is valid from zero on the first day of the month and year of the beginning of the validity period and is valid until 24 hours of the last day of the month and year of the expiration date). If the card’s validity period does not begin on the first day of the month, the date is indicated in the form “date” (numbers) - “month” (letters) - “year” (numbers). The table below shows the current card expiration date formats.
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Inscription on the map |
Russian translation |
Date Format |
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YYYY or YY |
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PARTICIPANT C |
YYYY or YY |
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VALIDITY DURATION |
MM/YY or MM/DD/YY |
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VALID FIRST DAY OF |
VALID WITH | |
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VALID WITH |
MM/YY or MM/DD/YY |
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EXPIRY DATE | ||
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VALID UNTIL | ||
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VALID UNTIL | ||
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GOOD THRU LAST DAY OF |
END OF VALIDITY |
Expired or unexpired cards should not be accepted for payment.
2.3. Make sure that the card meets the standards of payment systems according to the table below:
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Eurocard/MasterCard cards |
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On the right side of the card is the MasterCard logo in the form of two intersecting circles in red and yellow (or both black) with the inscription “MasterCard”. Cards from European banks may also contain the Eurocard logo, in the form of a stylized inscription above the MasterCard logo. The Eurocard logo can only appear together with the MasterCard logo. The card has a hologram of two alternative designs: 1) the first design represents two intersecting earth hemispheres with the image of continents and a meridian grid. When the map is rotated in rays of light, the meridian grid becomes three-dimensional. Under ultraviolet light, the letters “MC” should be visible on the hologram; this design was made on cards manufactured before January 1, 1997; 2) the second design has the following differences compared to the first: there is no meridian grid; the outlines of the intersecting earth's hemispheres with the image of the continents are highlighted; the background along the edges of the hologram contains the inscription “MasterCard”, made in two alternating colors; The intersecting rings are filled with micro-engraved repeating letters “MC”, visible only at 5x magnification. The card has embossed (applied with a relief print) information made in several lines. The first line has a number embossed in it, which Always starts with the number “5” and consists of 16 digits grouped into 4 groups of 4 digits with one space between each group (5XXX XXXX XXXX XXXX). The last three or four digits of the number are embossed on the hologram. The second line contains the following information (from left to right): Embossed or printed four-digit number small print directly below the embossed card number (BIN of the issuing bank), must always match the first four digits of the card number; Abbreviated name of the issuing bank (possibly, but not required); Card validity period. MasterCard security symbol in the form of combined letters made in a special format “ M.C. ”. In ultraviolet light, the letter M appears on the front side of the card in the lower left corner, and the letter C in the lower right corner near the hologram On the reverse side cards should be: A magnetic stripe for electronic payments is located at the top of the card. Signature panel. The position of the customer signature panel should not coincide with the information embossed on the front side of the card and the magnetic stripe. The signature panel must contain the following distinctive features: The panel must have an oblique, repeating “MasterCard” inscription in red, blue and yellow. The signature panel is designed in such a way that any attempt to erase or destroy the signature will damage the panel and the “MasterCard” inscription. Therefore, it is necessary to check the integrity of the panel and the presence of the “MasterCard” inscription. The panel must contain: the last four digits of the card number (or the full sixteen-digit card number - four groups of four digits) and a three-digit card validity code. The card number and card validity code must be completely on the signature panel. The card issuer identification must contain the following information: Number of the bank or issuing company that ordered the card, in the “ICA xxxx” format. Month and year when the plastic order was made. The company is a plastic manufacturer. The card may also contain information about the bank or issuing company or the Customer Service Department. The location of this information is not regulated. |
Old design (until 1997)
New design |
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Maestro cards |
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At the top of the front of the card is the name of the issuer (the bank or financial company that issued the card) and/or their logo. On the right side of the card is the Maestro Logo, which consists of two intersecting circles with the inscription “Maestro”. The circles can be blue and red or both black. The logo can be applied to both the front and back of the cards. The map may have a hologram representing two intersecting earth hemispheres with the image of continents and a meridian grid. When the map is rotated in rays of light, the meridian grid becomes three-dimensional. The hologram is an optional design element. Other information printed on the front side of the card is identical to the information printed on Eurocard/MasterCard cards. If the Cirrus/Maestro card is combined with another payment system, the card number may begin with the number 6. On some cards, only the first four and last four digits of the number are printed to ensure security. In most cases, the number on the cards is lasered or printed in such a way as to exclude the possibility of the card being imprinted on the imprinter. On back side cards can be marked with the Cirrus logos (two intersecting blue and light blue circles with the inscription “Cirrus” in the center) and EC (EuroCheque - an image of the letters EC, a card holder icon and an electronic keyboard). The signature panel must be marked with an oblique, repeating inscription “Maestro”. Cirrus/Maestro cards can only be accepted for payment at retail outlets equipped with an electronic terminal (POS terminal). |
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VISA cards |
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On front side cards at the top of the card is the name of the issuer (the bank or financial company that issued the card) and/or their logo. On the right side (in the upper or lower corner) there must be a trademark (VISA on a blue-white-gold background), around which a microprint is applied in the form of a continuous frame. The card has a hologram depicting a flying dove. When you turn the map, in the rays of light, the dove “moves” its wings. If the image does not change when you rotate the card or the dove is not visible, this means that the card is fake. The card has embossed (applied with a relief print) information made in several lines: The first line has an embossed number, which consists of 13 or 16 digits, and always starts with “4”. The digits of the number can be grouped as follows: for a 13-digit number 4XXX XXX XXX XXX; for a 16-digit number 4XXX XXXX XXXX XXXX. Four digits are printed above or below the embossed number, matching the first four digits of the card number. If they do not match or are missing, then the card may be fake. The last three or four digits of the number must be embossed on the hologram. The second line contains the card's expiration date and the VISA security symbol - the embossed letter “ V ” . The security symbol is placed to the right of the card's expiration date. On Classic, Bussines or Premier (Gold) cards issued before 1997, this security symbol may look like this: “ CV ”, ”B.V. " or " PV " respectively. Without the letter “ V ” in one of these options the card is invalid. The third and fourth lines are used for the cardholder's last name and service information for corporate clients (name of company, bank, etc.). If the name of the company is located on the third line, the cardholder's last name must be embossed on the fourth and vice versa. Under ultraviolet light, an image of a dove appears in the center of the front of the card. On back side cards must have: a magnetic stripe for electronic payments, located at the top of the card, a signature panel and additional information about the issuing bank. The position of the signature panel should not coincide with the information embossed on the front of the card and the magnetic stripe. Some cards have a scanned signature of the client on the front side, which can be considered as an example. The signature panel must contain the following distinctive features: The panel should be smooth without any signs of distortion or tampering. The inscription AUTHORISED SIGNATURE must be printed above, below, next to or on the strip itself. The panel must be marked with an inclined repeating inscription “VISA”. The card number and the three-digit card validity code must be printed on the panel. The card number and card validity code must be completely on the signature panel The card issuer identification located below the signature panel must contain the following information: The name of the bank or issuing company that ordered the card. The card may also contain information about the bank or issuing company or the Customer Service Department. The location of this information is not regulated. |
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VISA Electron cards |
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On front side The Electron logo is located on the card. It is a conventional image of a comet (yellow) on a blue background. The inscription “VISA” is located above the comet, the inscription Electron is placed below the comet. The image is enclosed in a rectangular frame. The presence of a hologram with a dove is an optional design element of VISA Electron cards. On the front side there is the inscription “Electronic use only”, which means that this payment product can be used with authorization only through electronic terminals (POS terminals). The card number, expiration date and customer name are lasered or printed rather than embossed. Below the card number must be the card issuing bank identification number (BIN), which must match the first four digits of the card number. The VISA Electron card number starts with 4 and consists of 16 digits. Only the first four and last four digits of the card number are allowed on the card. The signature panel can be placed on the front or back of the card. The angled signature panel features ELECTRON in blue, red and yellow. At the top of the back of the card there is a magnetic strip soldered into the plastic. At the bottom of the back of the card, the PLUS logo can be applied, which is a regular rhombus inscribed in a rectangle. The inscription PLUS is placed in the lower corner of the diamond. |
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Diners Club Cards |
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On back side The card has a magnetic stripe, a signature stripe, at the bottom of which the card number and 3 digits of the security code are laser-etched. The inscription “Valid Woldwide” or “Valid only in Russia” must be present. The hologram does not fall below the DC value and validity period - strictly in this band, not lower and not higher. The hologram panel contains the DC symbol and a world map, and the inscription “Diners Club International” appears against the background of the iridescent colors of the world map, which should not be lowered beyond the background of the map. | ||||||
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American Express cards |
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On the front side of the card is the card number, which always starts with 37 and has 15 digits grouped 4-6-5 (for example, 37XX XXXXXX XXXXX), the card's validity period is always indicated as the initial and final date (cards are issued for 2-3 years). After the validity period, the year of joining AmEx and the letters A. X. or O. C are indicated. On personal and corporate cards there is a four-digit digital code (batch code) on the right above the card number. On Optima cards, the code is located on the left above the card number. All types of cards depict a Roman warrior. On personal cards the image of a Roman warrior is located in the center of the card, on corporate cards in the upper left corner. On Optima cards, the warrior image takes up the entire right side of the card. In ultraviolet light the map appears: on the left are the letters AM; in the middle is an image of a Roman warrior; on the right are the letters EX The back of the card features a magnetic stripe, signature panel, AmEx logo and Made in U.S.A. There is a laser card number under the signature panel. |
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Cards that do not meet the stated requirements are not subject to service, of which the enterprise employee is obliged to notify the card holder, indicating the reason for the refusal.
2.4. Counterfeit cards of international payment systems have the following distinctive features:
The hologram shimmers with all the colors of the rainbow, but there is no image volume. The hologram background is dim and the image is unclear. The hologram peels off, lifts up and thickens when you press on it;
The laminating film peels off at the edges of the card, in the area of the hologram, or does not adhere tightly to the plastic where the card number is embossed;
The microprint around the VISA logo is practically unreadable and can be easily erased from the card;
The four-digit number printed on the front of VISA and Eurocard/MasterCard cards does not match the first four digits of the card number, or matches but is easily erased from the card;
In ultraviolet light, there are no protective images, or they are blurry and the card itself glows;
The end part of the card is dark;
The signature panel is covered with plain paper and can be easily peeled off. On the signature panel, the protective background in the form of the inscription “Mastercard” (for Eurocard/MasterCard), “VISA” (for VISA cards), “Maestro” (for Cirrus/Maestro cards) is missing or erased;
On the signature panel, the inscription “VOID” is visible;
The cardholder's signature is missing on the signature panel;
The magnetic stripe is stuck to the surface of the card, protrudes above the surface of the card, or is peeling off at the edges.
If a card with one of the listed characteristics is presented, the card is not subject to service.
3. PROCEDURE FOR OPERATIONS USING CARDS.
3.1. In case if the outlet is equipped with an electronic terminal (POS terminal),
Make sure that the passport data and signature in the passport correspond to the client data printed on the card and the signature on the back of the card, and the passport belongs to the bearer.
Swipe the customer's card through the card's magnetic stripe reader;
Enter the transaction amount on the main keyboard of the electronic terminal in accordance with the “Instructions for using the electronic terminal” (attached separately to the specific model of the electronic terminal);
If the operation is allowed, then after some time the terminal will print a double receipt (one copy for the enterprise, the second copy for the buyer) indicating the transaction amount, customer card number, transaction date and confirmation code
Check the card number and validity period with the data indicated on the receipt of the electronic terminal. If the card number printed on the front side of the card does not match the card number indicated on the receipt, cancel the last transaction in accordance with the “Instructions for using the electronic terminal”, refuse the client to carry out the transaction and, if possible, remove the card;
Enter the client’s passport data (last name, first name, patronymic, type of document, series and number of the document) on the back of the check;
Sign both copies of the electronic terminal receipt and ask the cardholder to sign;
Check the cardholder's signature on the electronic terminal receipt with the signature on the card. If the signatures do not match, ask the client to sign again next to the first signature; if the second signature does not match, refuse the client to pay by card and cancel the last transaction in accordance with the “Instructions for using the electronic terminal”;
Return the card and a copy of the receipt to the client.
3.2. In case if the outlet is equipped with an imprinter, When accepting a card as payment for goods or services, an employee of the enterprise must perform the following actions strictly in the order indicated below:
Determine whether the card belongs to one of the payment systems specified in Appendix No. 3 to the Agreement on the sale of goods (services) using bank cards;
Check the client's identity document.
For citizens of the Russian Federation, identification documents are a general civil passport of a citizen of the Russian Federation, a foreign passport, a military personnel identification card, a military ID (only for military personnel). For foreign citizens, a national passport or residence permit. It is allowed to accept from citizens of states - former republics of the USSR a passport issued on the USSR passport form as an identification document.
Make sure that the passport data and the signature in the passport correspond to the client data on the card and the signature on the back of the card, and that the passport belongs to the bearer
Inspect the card to ensure its authenticity in accordance with Section 2 of these Instructions;
Place the card face up in the imprinter, place a slip on top, and “roll” it with two movements of the imprinter’s moving block.
You should make sure that the relief information from the card and from the imprinter cliche was clearly transferred to all copies of the slip. Otherwise, it is necessary to destroy the slip in the presence of the client and issue a new one. If after three attempts it is not possible to obtain a slip with complete information about the card, it is necessary to refuse service to the client;
Fill out the following fields on the slip legibly with a ballpoint pen:
· Select the type of card being serviced;
· “FIRST FOUR DIGITS OF PRINTED ACC N” - the first four digits of the card number
· "Date"/"Date" (date of payment);
· "Total"/"Total" (amount of purchase or service);
· "Currency"/"Currency" (allowed only in Russian rubles - currency code RUR);
· "Cardholder`s ident."/ "Client's identity card"
Obtain the cardholder's signature in the "Cardholder's signature"/"Customer's signature" column and compare it with the signature on the back of the card. If the signatures do not match, refuse the client to pay by card and destroy the completed slip.
Sign in the slip in the "Cashier"/"Cashier" column.
Perform voice authorization. When authorizing by voice, it is recommended to use the information from the completed slip. If an employee of an enterprise leaves his workplace to carry out authorization, he must place the card in the cash drawer of the cash register. To carry out voice authorization, you must perform the following actions:
· Further, at the request of the operator, clearly state the following information: card number, embossed in large numbers on the front side of the card; last name and first name of the cardholder (at the operator’s request); card expiration date; the amount of the transaction and the type of currency in which the transaction is performed;
Depending on the operator’s response, perform the following actions:
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"Remove card" | |||
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You must refuse to make this purchase by returning the card to its holder and destroying the filled slip in his presence. |
If the operator has received an instruction to “remove the card,” then the enterprise employee must act in accordance with the recommendations set out in Section 4 of these Instructions. |
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Give the cardholder his copy of the trade slip (“Client Copy” / “Cardholder”) and the card itself. |
For all explanations about the reasons for refusal, the cardholder should contact the bank or company that issued the card. Only the issuer can tell the cardholder the reason for the refusal. |
For all explanations about the reasons for the withdrawal of the card, the Cardholder should contact the bank or company that issued the card. Map. Only the issuer can tell the cardholder why the card was withdrawn. |
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If the client asks for another authorization for a smaller amount, then it is necessary to check the identity document (if it has not been presented previously) and fill out the slip in accordance with clause 3.2. for the amount specified by the cardholder and perform voice authorization. If the operator repeatedly refuses to carry out the operation (“Authorization not allowed”), you must destroy the completed slip, return the card to its holder and offer to pay in cash. |
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Trade slips with corrections are considered invalid and are not subject to payment. If errors were made when filling out a trading slip, you must destroy the incorrectly completed slip and issue a new slip. If errors in the execution of a trading slip were discovered after the buyer left, it is necessary to send this slip to the Bank without making any changes to it, attaching a covering letter to the trading slip explaining the reasons for the erroneous filling.
Only the third copy of the trading slip is accepted for payment - a copy of the Bank (“Bank Copy”).
· if the client agrees to wait, provide the Authorization Center operator with the following information:
Cardholder's name embossed or printed on the front of the card;
The name of the bank or company whose logo(s) appears on the front of the card at the top of the card.
The issuer may request other additional data (for example, the passport number or year of birth of the cardholder), so the client should not leave the service point during the communication session with his bank or company.
Tell the operator the telephone number of your point of payment, at which you should report the answer received from the issuer (or say that you will call back yourself after the specified time, asking again for the operator’s number).
· If the client refuses to wait, inform him that authorization has been denied and offer to pay in cash. To find out the reason for the refusal, recommend that the client contact the issuer.
3.4. If the client refuses to purchase or the authorization is made incorrectly (the amount of the transaction is indicated incorrectly, etc.), an employee of the enterprise can make canceling the last transaction using an electronic terminal in accordance with the “Instructions for using the electronic terminal”. If the point of sale is not equipped with an electronic terminal or it is impossible to cancel the last transaction on a specific terminal, the transaction cancellation operation is carried out in accordance with clause 3.5. of this Instruction.
3.5. In accordance with the Consumer Protection Law, the customer has the right to return the purchased product or demand its replacement with a similar one. In this case, the relationship between the seller and the buyer is regulated only by the specified Law.
Return procedure depends on the conditions of its implementation:
3.5.1. When replacing a product with a similar one (without changing the price), an additional trade slip is not required.
3.5.2. When replacing a product with a more expensive one, you must fill out a slip for the amount of the difference in price and carry out voice authorization in accordance with clause 3.2 of these Instructions or carry out electronic authorization for the difference in price. At the same time, on the slip (to the left of the print of the cliche and the customer card) write “Exchange of goods with additional payment.”
3.5.3. When replacing an item with a cheaper one or when the buyer returns an item without replacement, it is necessary to issue a return credit slip (either for the difference in the cost of the item or for the full cost of the returned item).
3.5.4. To complete the “RETURN” operation, the client must present the card used to make the purchase and the shopping slip issued during the purchase (payment for the service) or a copy of the electronic terminal receipt. Before issuing a refund, the company employee must check the card number with the number indicated on the trade slip or electronic terminal receipt presented by the client. It is allowed to issue a refund credit slip only using the customer card with which the purchase was made.
To apply for a credit slip return, an employee of an enterprise must:
a) “roll” a new trading slip by inserting a client card into the imprinter;
In case of registration of a credit slip for refund electronic map, if the electronic terminal installed in a commercial enterprise does not allow a return operation, it is necessary to roll the slip on an imprinter (to obtain a cliché imprint) and manually transfer the card data (card number and expiration date, holder’s name) to the slip manually.
b) complete this trading slip by filling it out as follows:
· in the “Date” column, indicate the date the return was issued;
· in the “Total” column, enter the amount of the returned goods;
· in the “Currency” column, enter the type of currency that must match the purchase currency;
· in the column "Cardholder's ident."/"Client's Identity Card" enter the client's passport data;
· sign in the seller’s signature field (“Cashier”/“Cashier”);
· the buyer signs in the "Cardholder`s signature"/"Customer's signature" column;
· on the slip to the left of the print of the cliché and customer card, you must indicate the reason for returning the goods (“Return of goods”, “Exchange of goods”, etc.), and brief description return (“Full refund”, “Partial refund”).
· on the third copy of the trading slip sent to the Bank (“Copy of the Bank” / “Bank”) in the lower free field write: for which transaction the return is being made (indicate the date of purchase and the authorization code received when making this payment - the data is transferred from the trading slip , presented by the cardholder);
c) give the cardholder a copy of the trade slip presented by him, the purchase return slip and return the card.
In case of registration of a return slip, you must immediately transfer the credit slip to CB "EAST BRIDGE BANK".
4. WITHDRAWAL OF THE CARD.
4.1. A Eurocard/MasterCard or VISA card is subject to unconditional withdrawal in the following cases:
For VISA cards - the four digits printed above the card number do not match the first digits of the embossed number or are missing;
4.2. Try to remove the card if the card has signs of obvious forgery listed in clause 2.4 of these Instructions or the client is very nervous, signs uncertainly, trying to forge a signature. To do this, try to be calm and polite, arrange a trading slip as usual in accordance with clause 3.2, ask the client for identification documents, enter the document data in the slip, ask the client to sign on the slip, when performing voice authorization, tell the operator “Perform authorization CODE 10”, then follow the operator’s instructions, try to answer questions only “yes” or “no”.
4.3. If an instruction is received from the operator to remove the card or the message “REMOVE CARD” appears on the display of the electronic terminal, then:
Try to remain calm and polite;
Tell the customer that you have been instructed to hold the card and advise the cardholder to contact their bank for an explanation;
If possible, the card must be removed by reasonable means. If the cardholder makes threats, return the card to him;
If you manage to remove the card, to avoid its further use, cut the card along the length under the embossed card number, without affecting the magnetic stripe, hologram, microchip (if any) and card number. If the card is fake or has been tampered with, these elements may become evidence;
Complete the “Card Withdrawal Certificate” (Appendix to these Instructions) in two copies. Both copies must bear the client's signature. One copy of the act is given to the cardholder
Regardless of whether you were able to withdraw the card or not, you must call the Authorization Center or the Information and Service Desk for additional instructions. For withdrawal of a card, an employee of the Company receives a remuneration equivalent to 25 US dollars for VISA and Eurocard/MasterCard cards .
5. PROCEDURE FOR CARDS LEFT AT THE SERVICE POINT
If the cardholder forgot his card at the service point, the following requirements must be met:
The card must be kept for 48 hours in a safe place.
If during this time the loss of the card is reported, it can be handed over only after determining whether the card belongs to the applicant (comparing his signature in the passport with the signature on the card, if there is a photograph - identification).
If the card is not claimed within 48 hours, the card is transferred to CB "EAST BRIDGE BANK" with a covering letter.
6. REPORTING.
6.1. For enterprises equipped with electronic terminals at the end of the day, no later than 20-00 hours Moscow time, it is necessary to perform the “Day Closing” operation (“Terminal Closing”). If operations were carried out during the day, the terminal will print a final receipt. A copy of the final check must be submitted to CB "EAST BRIDGE BANK" no later than 14-00 of the next business day. At least once a month, submit to CB "EAST BRIDGE BANK" copies of final checks and electronic terminal checks, certified by the signatures of authorized persons of the enterprise and the seal of the enterprise.
6.2. For enterprises equipped with an imprinter it is necessary no later than 7 (seven) calendar days from the date of the transaction, issue a final slip for collection to the bank. For each type of card (VISA or Eurocard/MasterCard), as well as for the return credit slip, separate final slips are filled out with the corresponding trade slips attached to it. Credit slips must be collected on the day of the transaction.
To create the final slip you need:
Fill in the following fields in the final slip:
· “Day/Month/Year” - enter the date of the slip collection day;
· “Number of slips” (indicate the total number of attached trading slips for the corresponding type of card and/or currency);
· “Total amount for slips” (attached to this final slip);
· "Type of currency";
· “Signature of the responsible person”;
Roll the final slip on an imprinter;
Attach only the third copies of trading slips (“Bank copy”) to the final slip.
If you are registering a final slip for return transactions, you must indicate “Return” in the “Total amount for slips” column.
Transfer of money to the merchant's account is carried out on the basis of the final slip. If among the trade slips collected under one final slip there is a slip executed in violation of the Instructions or with errors, the transfer of the entire amount of the final slip will be delayed until the reasons for the incorrect execution of the trade slip are clarified.
In case of incorrect execution of the final slip (collected trade slips are not divided by card type, type of currency, the total amount for slips is incorrectly indicated, etc.), it is necessary to issue a new final slip and transfer them to CB "EAST BRIDGE BANK". On the final slip in the upper left corner you should write “Reissued”.
3.3. Certificates of card confiscation, together with the confiscated cards, must be submitted to CB "EAST BRIDGE BANK" no later than the next business day from the date of card confiscation.
7. CHECKING THE CARD.
7.1. Before registering a slip on the card, you need to check:
§ textured type of card;
§ card validity period;
§ presence of the client’s signature.
Regardless of the transaction amount, the cashier should ask the client to present an identification document (passport, identity card) and enter the document data on the slip.
When servicing your card at an imprinter, you need to request a transaction confirmation code from the authorization center.
When requesting a code, you must provide the company's cliche number, card number, expiration date and amount in rubles. It is imperative to know the commands that can be given to you:
§ “Your code is ....”. The code dictated by the operator must be accurately and accurately written down on the slip in the “authorization code” column. The code can be numeric, alphabetic or mixed.
§ "Refusal". This response means that the requested amount is not confirmed. Only the cardholder can find out the reason for the refusal by contacting his bank. If you receive such a response, you can offer the client:
§ pay with another card;
§ pay in cash.
§ When receiving a command “withdraw the card” see instructions on security measures when providing card services.
At the slightest suspicion that the card is counterfeit or not presented by its legal holder, see the instructions on security measures when providing card services.
If, after receiving the confirmation code, the card transaction is not completed, you must immediately call the authorization center and cancel the code, or perform the corresponding operation on the electronic terminal.
7.2. Slip design
The slip consists of three copies:
§ first copy - enterprises;
§ second copy - client;
§ third – Bank - dense.
1. Insert the card into the small slot of the rolling machine face up, then insert the slip form into the large slot so that its upper part overlaps the lower part of the card with raised numbers and letters, roll the imprinter roller to the right and left. By rolling to the right, you will receive an imprint from the card; by rolling to the left, the cliche of the enterprise will be imprinted. Each copy of the slip must be clearly printed with the card details (CARDHOLDER) and the company cliche (MERCHANT).
2. Enter the date of the transaction ( Data/Date).
3. Add to column SUM/TOTAL enter the transaction amount.
4. Add to column Currency/Name. Currencies enter RUB.
5. Add to column Cashier init./Seller's signature enter the cashier's last name.
6. Add to column Auth. Code/Authorization code. enter the authorization code received at the BANK's Processing Center.
7. Add to column First four digits… enter the first four digits of the card number.
8. Invite the cardholder to sign the slip ( CARDHOLDER'Ssignature/SIGNATURE). Check the signature on the slip with the sample holder's signature on the back of the card. If the identity of the signatures is in doubt, ask the cardholder to present a passport, and if identification is successful, write the passport data on the front side of the slip in a free space and ask the client to re-sign the slip.
9. Return the second copy of the slip to the cardholder (cardholder/client). The first copy of the slip (merchant/enterprise) remains with the Enterprise for reporting, the third copy is transferred with a summary report to the Payment Systems Department of MDM Bank at the address, room 712.
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Responsibility for incorrect design of slips rests with the persons involved in their design.
7.3.Registration of a credit slip
Refunds for services provided using cards are never issued in cash. If the return occurs at the initiative of the holder, a credit slip is issued.
To do this:
1. Fill out the credit slip, indicating on it date returning goods to a retail outlet, amount compensation to the cardholder, please indicate your last name.
2. Get holder's signature cards on the slip.
3. Second give a copy of the credit slip to the cardholder, third- remains at the Enterprise, first- transferred to the Payment Systems Department of MDM Bank at the address, room 712.
If you do not have a credit slip form, you must fill out a regular slip with the mark "CREDIT" as indicated on the slip sample.
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In the event that it is necessary to cancel a previously carried out erroneous transaction that was not made at the initiative of the holder, instead of issuing a credit slip, it is necessary to send a letter to the bank with a corresponding request.
8. SUPPORT PHONES AND AUTHORIZATION CENTERS.
For all questions regarding the rules for processing transactions and servicing VISA, Eurocard/MasterCard and Maestro cardholders, please contact :
§ JSCB "EAST BRIDGE BANK": , ext. 284 (from 9-30 to 18-30)
§ Information and service desk: , (from 9-00 to 21-00).
§ For questions regarding the operation of POS terminals, please contact JSCB "EAST BRIDGE BANK")
Trade and service enterprises in Moscow can also directly report an attempt to illegally use a card to the duty officer of the Department for Combating Economic Crimes of the Moscow City Internal Affairs Directorate (from 9-00 to 18-00 or around the clock)
Application№1
to the Holder Maintenance Instructions
bankingkartVISA, VISA Electron,
Eurocard/MasterCard, Maestro, Diners Club andAmerican Express
in trade and service enterprises
ACT of card withdrawal
Pick-up card report
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Card number Cardnumber | ||
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Card expiration date Expiration date of card | ||
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Card owner Cardholder | ||
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Retail outlet (name and number in accordance with registration) Merchant | ||
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Additional information (reason for card withdrawal) Additional information | ||
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Card withdrawal date Pick-up card date | ||
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The report has been compiled Report by |
Name | |
Telephone | ||
Signature | ||
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Cardholder signature Cardholder signature | ||
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Report date Date of report |
Application
to the Agreement dated "_________"________________200___ No._____
on the sale of goods (works, services) using bank cards
Equipment acceptance certificate
Moscow "___" ____________ 200___
Acting on the basis of power of attorney No. _____ dated “___” ______________ 200__. and __________, hereinafter referred to as the “Enterprise”, represented by _________________________________________________________, acting on the basis of _____________________________________________, have drawn up this act on the following:
In accordance with the Service Agreement No.________ dated “__” ___________ 200__, the “Bank” transfers and the “Enterprise” accepts the following equipment:
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No. |
Equipment name |
Qty (pcs.) |
Unit cost (in US dollars) |
Note S\n; Cliché No. (legal, actual name and address of the acquiring point or cash dispensing point) |
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_____$ (___________ __________________) |
№cliche ________________________ |
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_____$ (___________ __________________) |
(for the retail outlet “___________” located at: ___________ _______________________________) |
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_____$ (___________ __________________) |
No. of cliche ________________________ (for the retail outlet “___________” located at: ___________ _______________________________) |
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____________________ /_______________/ |
Enterprise: _____________________/_______________/ |
Artist: _______________
Tel.: 785 – 94 – 95
Application
to the Agreement dated "_________"________________200___ No._____
on the sale of goods (works, services) using bank cards
LIST
payment systems whose cards are accepted at the Company's retail outlets
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Address and name of the Company's outlet |
Payment systems whose cards are accepted at the point of sale |
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1.____________________________________________________________________________ _______________________________________ |
Diners Club International |
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2.____________________________________________________________________________ Moscow, st. ___________________________ _______________________________________ d._______str./building________floor__________ office No._________________________________ |
VISA International Inc.(VISA, VISA Electron) Europay International S.A.(Eurocard/MasterCard, Maestro) Diners Club International American Express(terminal ID___________) |
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3.____________________________________________________________________________ Moscow, st. ___________________________ _______________________________________ d._______str./building________floor__________ office No._________________________________ |
VISA International Inc.(VISA, VISA Electron) Europay International S.A.(Eurocard/MasterCard, Maestro) Diners Club International American Express (Terminal ID ____________) |
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4.____________________________________________________________________________ Moscow, st. ___________________________ _______________________________________ d._______str./building________floor__________ office No._________________________________ |
VISA International Inc.(VISA, VISA Electron) Europay International S.A.(Eurocard/MasterCard, Maestro) Diners Club International American Express(terminal ID___________) |
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5.____________________________________________________________________________ Moscow, st. ___________________________ _______________________________________ d._______str./building________floor__________ office No._________________________________ |
VISA International Inc.(VISA, VISA Electron) Europay International S.A.(Eurocard/MasterCard, Maestro) Diners Club International American Express(terminal ID___________) |
Organization:
__________________________/____________________/
Recently, more and more Belarusians have begun to contact the main bank of the country with a strange problem: on their cards, or rather, on the inscription strip, the mysterious word Void appears, and cashiers in a store or waiters in a cafe, seeing this inscription, simply refuse to make the payment .
However, no mysticism happened in the world of banking plastic. As one of the commercial banks explained to KP, such an inscription can appear if the strip for personal painting is damaged - either intentionally or due to poor-quality material. The signature on the card is additional opportunity identify the card owner. And, if there is no painting, then you should be asked to sign on the map. If the word Void appeared, then perhaps someone wanted to erase the old signature. However, the presence of a visible inscription does not in any way affect the operation of the card itself. Using it, you can withdraw money from an ATM or make payments at an information kiosk. But you won’t be able to pay at the checkout in a store or cafe.
The problem is not new, it’s just that recently citizens have become more active in using plastic when making payments, which is why the cards are breaking down. The National Bank recommended that Belarusian banks more carefully explain such nuances to both cardholders and those who make payments on them.
The word Void itself means “invalid”, and if it appears on a card, it should be replaced. This is done to protect payments. And the inscriptions appear due to the fact that the layer of the signature strip is erased.
The second equally important question: do they have the right to refuse service to the owner of a card with such an inscription? For example, the Belarusbank website says that damage to the signature strip on the back of the card and the appearance of the word Void on it (for Visa Electron, Visa, Maestro, MasterCard cards) or the word “Invalid” (for BELKARD cards) may serve as grounds for denial of service. In this case, experts advise contacting the bank for a new card.
The cashier has the right to refuse payment to you. But the same card can be accepted by an ATM or information kiosk - if the magnetic strip is not badly damaged, they told KP at the information center of another commercial bank. - However, if the marking strip is heavily worn, it is best to re-issue the card, as it will soon become unusable anyway.
IMPORTANT!
Many Belarusians still distrust cards. Still, everything is clear with banknotes in your wallet: either they are there or they are not. But what if the card suddenly stopped working for no reason? It seems like there is money, but you can’t use it! Let's figure out why plastic can stop working