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. 2. 3. 4. Letter of Authorization from Cardholder Photo Copy Passport for Foreigner Photo Copy I.D Card for Vietnamese 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

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.

11. Manual Identifying

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.


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


Q.A Session

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