3. Procedure for performing card operations
3.1 Performing voice authorization:
3.1.1. Roll the card on the imprinter and get its impression on the slip. If at least one digit or letter of the card is poorly printed, roll the card again on a new slip, after destroying the first slip in the presence of the Holder. If the newly rolled slip is also poorly printed, you must refuse to service the Cardholder with such a card. An indistinct impression can result from the fact that the numbers/letters are broken or re-glued, i.e. the card is fake.
3.1.2. Write down the date of the transaction (DATE) on the slip.
3.1.3. Specify the amount in rubles for which the transaction is performed (AMOIT).
3.1.4. Put your signature on the slip (WIDER INIT).
3.1.5. Call the technical support Department of the Bank for authorization request (permission given by the BANK for carrying out transactions using the card) on Bank cards VISA, MasterCard tel: (495) 411-76-44 or authorization of representation of Diners Club International by phone: 912-05-34 (or backup phone: 912-00-09) to request authorization by Bank card, Diners Club, Discover and inform:
- the name of the CLIENT and the number of the cliche located on the imprint;
- the card of which payment system is submitted for payment for goods (works, services);
- the full card number, three-digit special code, its validity period and the requested amount in rubles.
3.1.6. After receiving the authorization code (a set of digits that serve as confirmation of authorization) from the Authorization Center, enter it in the slip (CODE). In case of refusal to confirm a card transaction, the BANK may not disclose the reason for the refusal and recommend that the legitimate Cardholder contact the issuing bank directly to find out the reasons for the refusal (DECLINE command), or inform the CLIENT's employee about the need to follow the provisions of Section 7 (RISKUP command - withdraw the card, RISKUP-FRAUD-withdraw the card-fraud). In in case of refusal or a command to withdraw the card, the slip must be destroyed in the presence of the Holder.
3.1.7. Get the Cardholder's signature on the slip and check it with the sample signature on the back of the card.
3.1.8. If you have checked your identity document, please indicate its details on the front side of the slip.
3.1.9. One slip instance (Merchant CLIENT) it remains with the CUSTOMER, give another copy of the slip (Cardholderg) to the Cardholder, and send the third copy (Bank) to the BANK.
Attention!!! : MINOR CORRECTIONS (STRIKETHROUGHS, ERASURES, BLURS, ETC.) ON THE SLIP ARE NOT ALLOWED.
If the slip is filled in improperly, it must be destroyed in the presence of the Holder and a new one filled in.
Please keep in mind that a repeated authorization request for the same card can be made no earlier than 15 minutes after receiving the authorization code for the previous operation on this card.
3.2. Refusal of the Cardholder to perform card operations:
3.2.1. If after receiving the authorization code, the card operation is done, immediately contact the authorization of the BANK in the case of transactions by VISA, MasterCard or authorization Center mission Diners Club International in the case of transactions with Bank cards Diners Club, Discover and inform:
- CUSTOMER name and code number;
- the card number, its expiry date;
- the transaction amount (in rubles);
- the authorization code for the operation.
3.2.2. Upon receiving confirmation from the authorization center about the cancellation of authorization, you must cross out the slip diagonally and write "Cancel", putting your signature with the decryption of the last name. The slip is stored by the CLIENT.
3.3. The procedure for issuing a credit (repayment) slip:
When returning an item purchased with a credit card, you must issue a credit slip. For both payment and refund operations, use the standard slip form provided by the BANK . To do this, you must::
- get a card impression on the slip;
- make sure that the card was actually carried out the purchase of goods for this amount;
- to fill in the slip, putting on it the date of return of the goods to the place of sale of goods (works, services), the amount of the refund, transfer to the card Holder slip to receive his signature, and put on the slip of his signature (authentication in this case is not requested!);
the first instance of slip (Саrdholder Soru) transfer to the card Holder, the second copy of the slip remains with the CUSTOMER, and the third copy is sent to the BANK.
note. When making a refund for a purchase made using VISA, MasterCard, and Diners Club/Discover cards, you must cross out the copy of the slip provided as confirmation of the purchase and write 'REFUND'.
3.4. Performing an operation on a POS terminal:
3.4.1. When performing a transaction on a POS terminal, the Client must request authorization by card if the purchase amount exceeds the Floor Limit.
4. Reporting
4.1. At the end of the business day and/or reporting period, fill out the CLIENT's Report on the transfer of slips (Appendix No. 7), which indicates the number of slips and the total amount of transactions in rubles made using the cards, as well as the date when the Report was compiled.
4.2. The report is signed by the cashier and the CLIENT's employee authorized to sign financial documents.
Notes:
Authorization using VISA Electron, MasterCard Electronic, and Maestro cards can only be performed using an electronic terminal, and authorization using Maestro cards can only be performed using an electronic terminal equipped with a PIN code input device (PINPAD).
5. Actions of the CLIENT's employee when servicing VISA and MASTERCARD Bank Card Holders using an electronic terminal.
The electronic terminal is designed to receive an Authorization code when paying for goods and services using Bank Cards. A detailed procedure for working on an Electronic Terminal is described in the instructions for working on a POS terminal.
VISA ELECTRON CARDHOLDERS can only be serviced using an Electronic Terminal, while CIRRUS / MAESTRO CARDHOLDERS can only be serviced using an Electronic Terminal equipped with a Pinpad.
3.1 Performing voice authorization:
3.1.1. Roll the card on the imprinter and get its impression on the slip. If at least one digit or letter of the card is poorly printed, roll the card again on a new slip, after destroying the first slip in the presence of the Holder. If the newly rolled slip is also poorly printed, you must refuse to service the Cardholder with such a card. An indistinct impression can result from the fact that the numbers/letters are broken or re-glued, i.e. the card is fake.
3.1.2. Write down the date of the transaction (DATE) on the slip.
3.1.3. Specify the amount in rubles for which the transaction is performed (AMOIT).
3.1.4. Put your signature on the slip (WIDER INIT).
3.1.5. Call the technical support Department of the Bank for authorization request (permission given by the BANK for carrying out transactions using the card) on Bank cards VISA, MasterCard tel: (495) 411-76-44 or authorization of representation of Diners Club International by phone: 912-05-34 (or backup phone: 912-00-09) to request authorization by Bank card, Diners Club, Discover and inform:
- the name of the CLIENT and the number of the cliche located on the imprint;
- the card of which payment system is submitted for payment for goods (works, services);
- the full card number, three-digit special code, its validity period and the requested amount in rubles.
3.1.6. After receiving the authorization code (a set of digits that serve as confirmation of authorization) from the Authorization Center, enter it in the slip (CODE). In case of refusal to confirm a card transaction, the BANK may not disclose the reason for the refusal and recommend that the legitimate Cardholder contact the issuing bank directly to find out the reasons for the refusal (DECLINE command), or inform the CLIENT's employee about the need to follow the provisions of Section 7 (RISKUP command - withdraw the card, RISKUP-FRAUD-withdraw the card-fraud). In in case of refusal or a command to withdraw the card, the slip must be destroyed in the presence of the Holder.
3.1.7. Get the Cardholder's signature on the slip and check it with the sample signature on the back of the card.
3.1.8. If you have checked your identity document, please indicate its details on the front side of the slip.
3.1.9. One slip instance (Merchant CLIENT) it remains with the CUSTOMER, give another copy of the slip (Cardholderg) to the Cardholder, and send the third copy (Bank) to the BANK.
Attention!!! : MINOR CORRECTIONS (STRIKETHROUGHS, ERASURES, BLURS, ETC.) ON THE SLIP ARE NOT ALLOWED.
If the slip is filled in improperly, it must be destroyed in the presence of the Holder and a new one filled in.
Please keep in mind that a repeated authorization request for the same card can be made no earlier than 15 minutes after receiving the authorization code for the previous operation on this card.
3.2. Refusal of the Cardholder to perform card operations:
3.2.1. If after receiving the authorization code, the card operation is done, immediately contact the authorization of the BANK in the case of transactions by VISA, MasterCard or authorization Center mission Diners Club International in the case of transactions with Bank cards Diners Club, Discover and inform:
- CUSTOMER name and code number;
- the card number, its expiry date;
- the transaction amount (in rubles);
- the authorization code for the operation.
3.2.2. Upon receiving confirmation from the authorization center about the cancellation of authorization, you must cross out the slip diagonally and write "Cancel", putting your signature with the decryption of the last name. The slip is stored by the CLIENT.
3.3. The procedure for issuing a credit (repayment) slip:
When returning an item purchased with a credit card, you must issue a credit slip. For both payment and refund operations, use the standard slip form provided by the BANK . To do this, you must::
- get a card impression on the slip;
- make sure that the card was actually carried out the purchase of goods for this amount;
- to fill in the slip, putting on it the date of return of the goods to the place of sale of goods (works, services), the amount of the refund, transfer to the card Holder slip to receive his signature, and put on the slip of his signature (authentication in this case is not requested!);
the first instance of slip (Саrdholder Soru) transfer to the card Holder, the second copy of the slip remains with the CUSTOMER, and the third copy is sent to the BANK.
note. When making a refund for a purchase made using VISA, MasterCard, and Diners Club/Discover cards, you must cross out the copy of the slip provided as confirmation of the purchase and write 'REFUND'.
3.4. Performing an operation on a POS terminal:
3.4.1. When performing a transaction on a POS terminal, the Client must request authorization by card if the purchase amount exceeds the Floor Limit.
4. Reporting
4.1. At the end of the business day and/or reporting period, fill out the CLIENT's Report on the transfer of slips (Appendix No. 7), which indicates the number of slips and the total amount of transactions in rubles made using the cards, as well as the date when the Report was compiled.
4.2. The report is signed by the cashier and the CLIENT's employee authorized to sign financial documents.
Notes:
Authorization using VISA Electron, MasterCard Electronic, and Maestro cards can only be performed using an electronic terminal, and authorization using Maestro cards can only be performed using an electronic terminal equipped with a PIN code input device (PINPAD).
5. Actions of the CLIENT's employee when servicing VISA and MASTERCARD Bank Card Holders using an electronic terminal.
The electronic terminal is designed to receive an Authorization code when paying for goods and services using Bank Cards. A detailed procedure for working on an Electronic Terminal is described in the instructions for working on a POS terminal.
VISA ELECTRON CARDHOLDERS can only be serviced using an Electronic Terminal, while CIRRUS / MAESTRO CARDHOLDERS can only be serviced using an Electronic Terminal equipped with a Pinpad.
