CREDIT CARD

Merchant Procedures

Drs. Agustinus Agus Purwanto, MM

Pre-opening Set up Expert
 1.Type of Credit Card Accepted
• American Express (AMEX)
• Diners Club
• Discover Card
• JCB
• Master Card
• Visa Card
• VBC (Vietcom Bank Card)
 American Express (AMEX)
• Gold Card
 American Express (AMEX) cont.
• Blue Form
 American Express (AMEX) cont.
• Platinum
 American Express (AMEX) cont.
• Simply Cash
 American Express (AMEX) cont.
• Blue Cash
 American Express (AMEX) cont.
• Gold Delta - Skymiles
 American Express (AMEX) cont.
• True Earning
 American Express (AMEX) cont.
• Green Card
 American Express (AMEX) cont.
• Honor HHilton Platinum
 American Express (AMEX) cont.
• Starwood Resort – Amex
Diners Club
Discover Card
J C B Card
Master Card
Visa Card
Vietcom Bank Card
2. Identifying Credit Card

Front Page
 Identifying Credit Card Cont.

An example of the front of a typical credit card:

2. Issuing bank logo
3. EMV chip
4. Hologram
5. Credit card number
6. Card brand logo
7. Expiry Date
8. Cardholder's name
 Identifying Credit Card Cont.

Back page
An example of the reverse side
of a typical credit card:
•Magnetic Stripe
•Signature Strip
•Card Security Code
3. Location of Credit Card Security Code
 4. EDC (Terminal P.O.S)
• EDC = Electronic Date Capture
 5. Credit Card Authorization
1. By E.D.C (Electronic Date Chapter) – on
Line

4. Voice Call Authorization - Batch

 6. Authorization Using EDC
1. No Problem Smoothly
2. With Notification in the Screen
• As follows:
 8. S.O.F (Sale on File)
 S.O.F mean the transaction happen the
cardholder does not present when the
transaction occurs.

3.Advance Deposit – Booking

4.Late Charges
5.Airlines Ticket purchased by internet
 9. Documents for S.O.F
1. Letter of Authorization from Cardholder
2. Photo Copy Passport for Foreigner
3. Photo Copy I.D Card for Vietnamese
4. Photo Copy Credit Card {Front – Back}

SEE AUTHORIZATION
This form is available
in SOFT COPY –
You can get to
Finance Department
10. Credit Card Identification
 11. Manual Identifying
The following steps are required to validate the primary account number:
• Step 1: Double the value of alternate digits of the primary account number
beginning with the second digit from the right (the first right--hand digit is the
check digit.)
• Step 2: Add the individual digits comprising the products obtained in Step 1
to each of the unaffected digits in the original number.
• Step 3: The total obtained in Step 2 must be a number ending in zero (30, 40,
50, etc.) for the account number to be validated.
For example, to validate the primary account number 49927398716:
• Step 1:
49927398716
x2 x2 x2 x2 x2
------------------------------
18 4 6 16 2
• Step 2: 4 +(1+8)+ 9 + (4) + 7 + (6) + 9 +(1+6) + 7 + (2) + 6
• Step 3: Sum = 70 : Card number is validated

Note: Card is valid because the 70/10 yields no remainder.

12. Credit Card Charge - Back
• Chargebacks: A chargeback is an event in
which money in a merchant account is held
due to a dispute relating to the transaction.
Chargebacks are typically initiated by the
cardholder. In the event of a chargeback,
the issuer returns the transaction to the
acquirer for resolution. The acquirer then
forwards the chargeback to the merchant,
who must either accept the chargeback or
contest it.
 13. Credit Card Fraud
• Type of Credit Card Fraud
2. Lost and stolen card fraud
3. Counterfeit card fraud (also known as Skimming)
4. Card-not-present (CNP) fraud
5. Mail non-receipt card fraud
6. Identity theft on cards
7. Application fraud
8. Account take-over
The new breed of ATM
Thieves
Skimmer being installed on front
of existing bank card slot.

The equipment as it appears

installed over the normal ATM
bank slot.

The PIN reading camera being

installed on the ATM is housed in
an innocent looking leaflet
enclosure.
The camera shown installed and ready to
capture PINs by looking down on the
keypad as you enter number.
SKIMMING & CARD
STRIPE
 Lost and stolen card fraud
• A card is physically stolen from
your wallet or home, or it is lost,
and is then used by a criminal,
posing as you, to obtain goods and
services. Most fraud of this type
takes place before you have
reported the loss.
 Counterfeit card fraud
• A counterfeit, cloned or skimmed
card is one that has been printed,
embossed or encoded without
permission from the card company,
or one that has been validly issued
and then altered or recoded.
Card-not-present (CNP) fraud
• this includes fraud conducted over
the Internet, by telephone, fax and
mail order. It is perpetrated when
criminals obtain card details
through the theft of your card
details from discarded receipts or
by copying down your details
during a transaction.
 Mail non-receipt card fraud
• this type of fraud involves your
card being stolen in transit, once it
has been sent out to you from your
bank or building society. At
particular risk for this type of fraud
are properties with communal
letterboxes, such as flats and
student residence halls.
 Identity theft on cards
• this occurs when a criminal uses
your fraudulently-obtained
personal information to open or
access card accounts in your name.
• There is two types:
• Application fraud
• Account take-over
• Application fraud – stolen or false documents are
used to open an account in your name. Criminals steal
documents such as your utility bills and bank
statements to build up usable information.
Alternatively, they may use counterfeit documentation
for identification purposes.
• Account take-over – by obtaining key personal
information criminals are able to take over the running
of your account. By pretending to be you the criminal
will try to deceive your bank or card company and
arrange for payments to be taken from the account.
The criminal may also instruct the bank to change
various details of the account, such as the address, and
then ask for new cards and chequebooks to be issued.
Process Using Credit Card On Line
 THANK YOU

Q.A Session