Transfer under a contract with TPP. Acquiring of trade and service enterprises through a payment intermediary (Serebryakov S.V.). MCC code - what is it, why is it needed, how to find out the merchant category and what does cashback have to do with it

Transmission oil TSP-15K is widespread among truck drivers of the KAMAZ brand. It was for such machines that this lubricant began to be developed in the USSR.

On the containers with TSP 15K oil it is written "Approved by OJSC KAMAZ". In addition, this oil product has found its application in KrAZ and UralAZ.

Performance indicators

Transmission oil TSP-15K is produced on the basis of mineral water, which is a product of purification, separation, processing of oil with a high sulfur concentration. Additive elements are added to the mineral water that improve specifications oils.

Car oil "Rosneft TSP-15K" prevents scuffing, reduces wear of contacting parts, forms an antioxidant film on spare parts, which prevents metal from contacting oxygen.

Thanks to additives, the freezing point is reduced, foaming is prevented. Sulfur components increase anti-friction characteristics. According to GOST (state standard), TSP 15K has several characteristics. Their meanings are as follows:

1. Viscosity grade - 80W90.
2. Density at twenty degrees - 893 kg / cu. m.
3. Kinematic viscosity at one hundred degrees - 14.6 sq. mm / s.
4. Viscosity coefficient - 97.
5. Flash point - two hundred and forty-eight degrees.
6. Freezing temperature - minus twenty-seven degrees.

There is practically no water in the oil product. The concentration of mechanical impurities is one hundredth of a percent. TSP-15K is a petroleum product that can be poured into a truck's transmission at any time of the year. In addition, it can be used in tractors equipped with a cylinder, bevel, bevel-spiral gearbox.

Types of containers

The production of the TSP-15K motor oil intended for KAMAZ vehicles and its analogues is carried out by Lukoil and Gazpromneft. Thanks to this, the cost of the oil product is not overstated. Firms compete with each other, strive to set affordable prices.

Lubricant for KAMAZ from the Lukoil company can be purchased in the following containers:

• ten-liter canister;
• twenty-liter canister;
• Russian barrel for 216.5 liters;
• European barrel for 216.5 liters.

Marking

Oil liquid "Lukoil TSP-15K", poured into KAMAZ trucks, is classified as TM-3. Its marking has the following decoding:

1. T - transmission lubricant.
2. C - car oil made from high-sulfur oil.
3. P - oil product contains additive components. They endow the mineral water with the characteristics prescribed in the GOST.
4. 15K is an industry standard.

TSP-15K provides high-quality lubrication of transmission parts at temperatures from minus twenty to plus thirty degrees. The frequency of replacing the consumable depends on the gearbox device, operating conditions. The manufacturer recommends changing the oil every 36000-72000 kilometers.

The cost of a lubricant depends on its specific manufacturer. It should be noted that consumables from the Lukoil company have the best price-quality ratio. However, oils from the firms Rosneft and Gazpromneft are also of very high quality.

Nowadays, they have ceased to be a rarity, and each of us no longer performs one or two operations per quarter, but three or four daily. Tens of millions of issued cards, hundreds of thousands of transactions per hour, tens of thousands of terminal devices for accepting cards - this is today's reality. There is a steady trend towards a shift in emphasis from towards operations of payment for goods / services in trade and service enterprises (hereinafter referred to as TSP).
Let us briefly recall how the card payment procedure in the merchant looks like in general.

The client (cardholder) makes a purchase of a product or service in a merchant that accepts cards for payment, as evidenced by stickers at the entrance to the store or at the checkout. Approaching the cashier, the client presents the card and informs the seller that he intends to pay with it. The seller takes the card, conducts its initial check for the absence of obvious signs of counterfeiting (he does not have to be an expert, it is enough to make sure that it is clearly not counterfeit). Next, the seller reads the data from the magnetic stripe or microprocessor (chip) of the card, using the corresponding connector of the electronic terminal (hereinafter - ET). Then he enters the amount of the transaction, the ET generates an authorization request and sends it to the acquiring bank. Further, the authorization request via the IPS channel reaches the host of the issuing bank, which allows or prohibits this operation (transaction). If the transaction is allowed, the issuer issues an authorization code and response code (RC) "00". Otherwise, the issuer's response is different from "00" and the authorization code is not issued (the transaction is not approved; the issuer does not confirm the payment). If successful, the merchant will print two copies of the receipt and the client confirms his or her agreement to pay for the transaction either by signing a signature-based transaction (SBT) or entering a PIN (PIN-based transaction, PBT). With SBT, the merchant of the merchant must complete the transaction by checking the signature on the receipt against the sample of the customer's signature in the designated space on the back of the card.

Placing information for buyers

To begin with, each merchant, by sticking posters with MPS logos on its doors, thereby assumes an obligation (namely, an obligation, and not just a wish) to accept cards of the corresponding system for payment. And if the MasterCard logo hangs at the cash register, then this merchant is obliged to accept the corresponding card for payment (but not a Visa card, and vice versa). Moreover, merchants that accept cards, in places accessible to customers ("buyer's corner"), must contain information explaining the policy of this outlet regarding the return and exchange of goods paid for by the card. The absence of such an information resource is a violation of the rules of the Ministry of Railways.

Unwillingness of the cashier to accept the card for payment

Quite often, there are situations when a sticker hangs at the entrance to the merchant, saying that you can pay with a card, but at the time of payment it suddenly turns out that the cashier or the seller does not want to accept the card for payment without explaining the reasons for the refusal. Such actions are a serious violation of the rules of the IPS and may entail the imposition of rather tangible financial sanctions on the acquiring bank, which, in turn, can broadcast them later to the merchant, if this is provided for by the terms of the agreement between them.

Passport requirement when paying by card

The rules of the Ministry of Railways clearly state that when making a payment with a card, the seller has no right to request from the client (the bearer of the card) data confirming the identity of the latter, or other personal data, except for cases when it is necessary to complete the transaction (for example, for indicating the address of the client's place of residence for the purpose of subsequent delivery of the goods) or when this is clearly spelled out in the requirements of local legislation. The seller does not have any authority to require the client to present a passport or other identity documents. As a vivid example, we can cite the following situation: imagine that in a Russian merchant, a customer from China or a citizen of another country, exotic for us, who does not speak Russian or English, pays with a card in a Russian merchant. In this case, the seller and the buyer will not be able to communicate at all (unless the seller is a polyglot, of course). From the point of view of the rules of the Ministry of Railways, this practice of requiring documents when paying by card is punishable (a fine may be imposed on the acquiring bank with all the ensuing consequences for the merchant). However, some types of operations (which primarily include cash withdrawal operations in offices and bank branches) should be performed only on condition that the client presents an identity document.

PIN entry requirement when paying with a magnetic stripe card

Today more and more banks issue cards equipped not only with a magnetic stripe, but also with a microprocessor (chip). Such cards are called hybrid cards, and they can be used for transactions - both on the magnetic stripe and on the chip. This is an undoubted advantage, since it is believed that the chip cannot be made at home, which, in turn, deprives fraudsters of the opportunity to make a fake card by issuing a duplicate with a copy of the magnetic stripe track (so-called skimming). But often there is a situation when the merchant seller, having read the card data from the magnetic stripe (not from the chip), invites the client to confirm his consent to the payment by entering the PIN. This is completely unacceptable, since it carries the risk of complete compromise of the card data (i.e. track / track of the magnetic stripe and PIN), which theoretically can lead to the loss of all funds from the card account. The sellers explain their actions by the fact that "the electronic terminal is programmed in this way," however, most often the error lies in their actions: when working with ET, they mistakenly indicate that the type of card is not MasterCard, but Cirrus / Maestro. It is noteworthy that on the territory of the Russian Federation all operations with Cirrus / Maestro cards must be performed exactly as PBT!
An interesting fact: the rules of the Visa MPS indicate that in any case, when making a payment for goods or services in the merchant, the client has the right to demand an SBT operation. And this has a quite reasonable explanation: not all clients remember their PIN and some banks generally issue cards without PIN to them. Of course, all of the above applies to cards with a magnetic stripe. For cards with a chip, the overwhelming number of transactions in the merchant is confirmed by the client by entering the PIN.

Recently, the IPS MasterCard issued a circular (operational bulletin), in which it notified all participants in the settlements that from June 8, 2012 in the Russian Federation it is allowed to request a PIN to confirm transactions with magnetic stripe cards by customers in the merchant.

Thus, at present on the territory of the Russian Federation, when registering transactions in merchants using cards with a magnetic stripe of the Ministry of Railways Visa, entering a PIN is unacceptable, and on cards with a magnetic stripe MasterCard - it is allowed. For cards with a microprocessor (so-called chip), entering a PIN is almost mandatory for both MPS.

Refusal to accept cards without the name of the holder

Many issuers use so-called non-personalized, unnamed cards to quickly enter the market. front side which there is only a number, a validity period, but there is no name and surname of the client (also, these data, respectively, are absent on the first track of the magnetic stripe). The rules of the Ministry of Railways clearly indicate that such cards are an absolutely legitimate means of payment and should be accepted on an equal basis with all other products of the Ministry of Railways. Acquirers in the instructions for sellers also specifically stipulate this point, and nevertheless, quite often, unfortunately, it happens that sellers flatly refuse to accept such cards for payment. As arguments, the sellers argue that they have nothing to compare the last name and first name of the client (bearing in mind the prohibited practice of requesting supporting documents, which was mentioned above). Such actions of merchant employees also contradict world practice and are subject to study by acquiring banks.

Increase in price (surcharge) for goods when paying by card

As you know, when concluding an acquiring agreement with a merchant, the bank indicates the amount of the so-called acquiring concession (commission) that will be charged (underpaid) from the merchant for all card transactions. This commission varies by country and by type of merchant activity, taking into account the turnover of the latter. As a guideline, one can keep in mind a value of the order of 1.5 - 2.5%. Thus, if the transaction amount is 1000 rubles, the acquiring bank will credit the current account with the amount minus this commission, that is, 975 - 985 rubles. The difference is the most important component of the acquirer's activities and will be charged to operating income. This is a completely normal, generally accepted practice all over the world, and the opinion that it is unprofitable for merchants is nothing more than a delusion: when paying in cash, other overhead costs arise that are quite comparable to these "losses" for acquiring. This includes merchant expenses for recalculating cash, their safe storage, cash collection, etc. And nevertheless, many merchant practice setting markups when paying for goods and services using cards, and the amount of such "markups" is approximately equal to the amount of the acquiring commission. This practice is completely unacceptable, which is clearly stipulated in the rules of the Ministry of Railways. The same rules of the Ministry of Railways provide a kind of loophole for the merchant, namely: it is indicated that the merchant has the right to provide a discount for payment in cash. That is, in the general case, the price of a product or service when paying by card should not exceed the usual one, but you can give a discount to a client if he pays in cash.

Refusal to accept for payment an unsigned card

According to the rules of the Ministry of Railways, a special strip must be placed on the back of the card, intended for a sample signature of the legal cardholder. When making a payment for goods or services in the merchant, the cashier must offer the buyer to confirm his willingness to pay for the transaction, either by entering a PIN or by signing the electronic terminal's check. In case of confirmation of consent by the signature, the cashier should compare the signature on the check with the sample signature on the back of the card. However, quite often, when receiving a card, the client does not affix his signature (which is a violation of the MPS requirements and carries an increased risk of illegal use of the card by fraudsters if it is lost). Merchant sellers, seeing that the client offers them an unsigned card, often refuse to accept such a means of payment, which is also unacceptable. According to the rules of the Ministry of Railways, in such cases, the cashier should offer the buyer to present an identity document of the latter, containing a photo and a sample signature, then offer to sign the card, compare the signature on the card with the sample in the document and then complete the transaction in the usual way. If the buyer refuses to show his passport and (or) sign the card, the transaction should not be completed.

Setting the minimum purchase price / product for payment by card

Often there are situations when the store arbitrarily sets the minimum amount, from which the seller agrees to accept the card for payment. For example, the purchase amount when paying by card must not be less than 100 rubles. (or 1000, 10,000, etc.). This practice is categorically unacceptable, since according to the rules of the Ministry of Railways, the card payment terms must fully comply with the cash payment terms.

The procedure for returning goods and spent funds

It happens that for some reason the client wants to return the purchased product back. If the goods were paid for with a card, then the money must also be returned to the card account, and not in cash. Moreover, the refund must be made to the account of the card on which the initial payment was made. If the goods are returned back, the merchant employee must complete the appropriate operation on the electronic terminal (refund / credit - return / credit). As a result of this operation, a credit check is printed on the terminal, which is a confirmation and basis for the return of funds to the payer's account. According to the rules of the Ministry of Railways, the refund must be made within 30 days from the date of the credit transaction. If there is no receipt of funds to the card account after this period, the client can file a claim with the issuing bank, and the funds will be returned based on the results of the claim cycle on the basis of "credit not processed".

Issuance of checks for card transactions

The Ministry of Railways imposes very strict requirements on the contents of electronic terminals' receipts, printed upon completion of the transaction. So, the following data must be indicated on the check:

• description / price of each paid product / service;
• date and time of the operation;
• amount and currency of the transaction;
• card number (for security reasons only the last four digits);
• country, city, address of the location of a point or bank branch;
• the name of the merchant or DBA (doing business as, DBA name, for example, OJSC VimpelCom is known on the market as Beeline);
• authorization code (if any);
• type of operation (payment for goods, return);
• place for the client's signature;
• space for the initials of the seller, cashier or other identifier (for example, the number of a department in a supermarket) of the department that served the card;
• place for the seller's signature (in the case of a credit transaction);
• the copy of the buyer must contain the text in Russian or English language something like the following: "Important: keep this check for control of transactions in the statement";
• other parameters as required by local laws.

According to the requirements of the Bank of Russia, on the checks of Russian merchants, it is necessary to place a text about the amount of the commission (usually they write "There is no acquirer commission") charged from the buyer.

It is also necessary to have text approximately as follows: "I hereby authorize my issuing bank to pay for this purchase and undertake to reimburse the issuer for the amount indicated in the" Total "column, plus all relevant fees."

Customers must keep copies of receipts for at least six months to ensure that they can control the correctness of the debiting of funds in their card statements. The main purpose of the information on the check is to provide an opportunity to unambiguously correlate the information reflected in the statement with the data on the check. If the data on the check and in the statement differ significantly, the client has the right to file a claim with all the ensuing sad consequences for the acquirer.

Submission of claims on the facts of revealed violations

In all cases described in this article, affected customers - bank card holders need to contact only their issuing bank. In this case, it will be necessary to submit to the bank such data as the exact address of the merchant, name, date, time, identifier or name of the acquiring bank (if the card transaction did not take place at all, i.e. the authorization request was not generated and did not go online , the issuer will not be able to determine these data independently), and the essence of the claim (refusal to accept the card, the requirement to present a passport, enter a PIN, etc.).

Obviously, there is no point in even trying to contact an acquiring bank, since in general, a situation with violation of the rules for processing card transactions can take place anywhere in the world and the victim will not always be able to find time to visit the right place and it is unlikely that he will have specialized knowledge and master the terminology in the local dialect.

Based on such a request, the issuer has full right send, in turn, a claim to the authorized body of the Ministry of Railways, and various sanctions can be applied to the acquirer - from a warning and a requirement to conduct additional training for the violating merchant's employees up to the imposition of tangible financial fines (hundreds and thousands of dollars or euros, depending on tariffs MPS).

Conclusion

In our dynamic age, when non-cash payments are rapidly invading all areas of life, and transactions with bank cards have become a daily occurrence, the aspect of client literacy is very important. This issue includes both the basics of the correct use of cards in everyday situations, and the nuances highlighted in this article, namely: what rights the buyer has when paying for goods or services in a network of merchants using a card and what exactly needs to be done in the event identification of violations of the procedures for registration of such transactions.

Since international payment systems do not work with end customers (cardholders and merchants), but with financial institutions and, first of all, make sure that their products (cards) are accepted everywhere and without restrictions, very strict requirements are imposed on acquirers in terms of guarantees and compliance with the procedures for accepting MPS cards in the network of their merchants. In cases of violations of the procedures and conditions for accepting cards, holders should complain to issuing banks, which, in turn, have the right and obligation to inform the relevant MPS about such incidents, which, as a result, may lead to very unpleasant sanctions for acquirers and incorrectly operating merchants and their employees.

September 2012

1. General information about resistance thermocouples.

Thermal converters of resistance are among the most common temperature transmitters used in measurement and control circuits. Resistance thermocouples are produced by many domestic and foreign firms, such as Thermiko, Elemer (Moscow region), Navigator, Termoavtomatika (Moscow), Teplopribor (Vladimir and Chelyabinsk) , Lutsk Instrument-Making Plant (Ukraine), Siemens, Jumo (Germany), Honeywell, Foxboro, Rosemount (USA), Yokogawa (Japan), etc.

Resistance thermometer is called a set for measuring temperature, which includes a thermal converter based on the dependence of electrical resistance on temperature, and a secondary device that shows the temperature value depending on the measured resistance. To measure the temperature, the resistance thermocouple must be immersed in a controlled environment and some instrument must be used to measure its resistance. From the known relationship between the resistance of the thermal converter and the temperature, the temperature value can be determined. Thus, the simplest set of a resistance thermometer (Fig. 1, a) consists of a resistance thermocouple (RT), a secondary device (VP) for measuring resistance and a connecting line (LS) between them (it can be two, three or four-wire).

Rice. 1. :

a - thermal converter with a secondary device; b - thermal converter with a normalizing converter; ТС - resistance thermocouple; VP, VP1, VP2 - secondary devices; ЛС - communication lines; NP - normalizing converter; BRT - current signal multiplication unit

As a secondary device, analog or digital devices are usually used (for example, KSM-2, RP-160, Technograf, RMT-39/49), less often - ratiometers (for example, Sh-69001). Secondary instrument scales are graduated in degrees Celsius.

Circuits with normalization of the output signal of thermal converters are widely used (Fig. 1, b). In this case, the resistance thermocouple is connected by a communication line to the NP normalizing converter (for example, Ш-9321, ИПМ-0196, etc.), which has a unified output signal (for example, 0 ... 5 or 4 ... 20 mA). For use in several measuring channels, this signal is multiplied by the BRT multiplication unit and then fed to several secondary devices (VP-1, VP-2, etc.) or other consumers. Obviously, in this case, the secondary devices must be milliammeters. Resistance converters are produced, in the head of which there is a rationing circuit, i.e. their output signal is a current of 0 ... 5, 4 ... 20 mA or a digital signal (intelligent converters). In this case, the need to use the normalizing NP converter in the form of a separate unit disappears. Resistance thermometers with unified output signal have the letter U in their designation (for example, TSPU, TSMU). The characteristics of these converters and with a digital output signal (Metran-286) are given in table. 1.

Table 1

Resistance Thermal Converters Technical Data

RTD Type	Tolerance class	Use interval, ° С	Limits of permissible deviations ± Δ t, ° С
			0.15+ 0.0015 * | t | 0.25 + 0.0035 * | t | 0.50 + 0.0065 * t |
		100 ... 300 and 850 ... 1100	0.15 + 0.002 * | t | 0.30 + 0.005 * | t | 0.60 + 0.008 * | t |
TSPU			0.25; 0.5% (reduced)
TSMU			0.25; 0.5% (reduced)
KTPTR		0 ... 180 to Δ t	0,05 + 0,001Δ t 0.10 + 0.002Δ t
Metran 286 4 ... 20 mA output HART protocol		0 ... 500 (with 100P)	0.25 (digital signal) 0.3 (current signal)

For the manufacture of resistance thermocouples (RT), either pure metals or semiconductor materials can be used. The electrical resistance of pure metals increases with increasing temperature (their temperature coefficient reaches 0.0065 K-1, i.e. resistance increases by 0.65% with an increase in temperature by one degree). Semiconductor resistance thermocouples have a negative temperature coefficient (i.e., their resistance decreases with increasing temperature), reaching 0.15 K-1. Semiconductor RTDs are not used in process control systems for temperature measurement, as they require periodic individual calibration. They are usually used as temperature indicators in temperature compensation circuits for some measuring instruments (for example, in conductometer circuits).

Thermal converters of resistance from pure metals, which are most widespread, are usually made from thin wire in the form of winding on a frame or spirals inside the frame. Such a product is called the sensitive element of the resistance thermocouple. To protect it from damage, the sensitive element is placed in a protective armature. The advantage of metal RTDs is the high accuracy of temperature measurement (at low temperatures it is higher than that of thermoelectric converters), as well as interchangeability. Metals for sensitive elements (SE) must meet a number of requirements, the main of which are the requirements for the stability of the calibration characteristic and reproducibility (i.e., the possibility of mass production of SE with the same calibration characteristics within the permissible error). If at least one of these requirements is not met, the material cannot be used to manufacture a resistance thermocouple. It is also desirable to fulfill additional conditions: a high temperature coefficient of electrical resistance (which provides high sensitivity - an increase in resistance by one degree), linearity of the calibration characteristic R (t) = f (t), high resistivity, chemical inertness.

According to GOST R50353-92 resistance thermocouples can be made of platinum (designation TSP), copper (designation TCM) or nickel (designation TSN). The characteristic of the TS is their resistance R0 at 0 ° C, the temperature coefficient of resistance (TCR) and the class.

The presence of impurities in metals reduces the temperature coefficient of electrical resistance; therefore, metals for a resistance thermocouple must have a standardized purity. Since the TCS can change with a change in temperature, the value W100 was chosen as an indicator of the degree of purity - the ratio of the resistance of the TC at 100 and 0 ° C. For TSP W100 = 1.385 or 1.391, for TCM W100 = 1.426 or 1.428. The class of the resistance thermocouple determines the permissible deviations from the nominal values, which, in turn, determines the permissible absolute error Δt of the TC transformation. According to the permissible errors, vehicles are divided into three classes - A, B, C, while platinum vehicles are usually produced in classes A, B, copper ones - in classes B, C. There are several standard types of vehicles. The nominal static characteristic (NSX) of a resistance thermocouple is the dependence of its resistance R, on temperature t

Symbol their nominal static characteristics (NSC) consists of two elements - a number corresponding to the value of R0 and a letter that is the first letter of the name of the material ( P - platinum, M - copper, N - nickel). In the international designation, before the R0 value, there are the Latin designations of the materials Pt, Cu, Ni. НСХ of thermal converters of resistance is written in the form:

where Rt is the resistance of the vehicle at temperature t, Ohm; Wt is the value of the ratio of resistances at temperature t to resistance at 0 ° С (R0). The Wt values ​​are selected from the tables of GOST R50353-92. Ranges of application of resistance thermocouples different types and classes, formulas for calculating the maximum errors and NSC are given in table. 1 and 2.

table 2

Rated static characteristics of resistance thermocouples

					t ° C

Construction production technology is a combination of two subsystems: technologies of construction processes and technologies for the construction of buildings and structures.

Construction process technology

Construction process technology defines the theoretical foundations, methods and ways of performing construction processes that ensure the processing of building materials, semi-finished products and structures with a qualitative change in their condition, physical and mechanical properties, geometric dimensions in order to obtain products of a given quality. In this case, the concept of "method" includes the principles of implementation of construction processes based on different ways impact (physical, chemical, etc.) on the subject of labor (building materials, semi-finished products, structures, etc.) using labor tools ( construction machines, means of small mechanization, assembly equipment, various devices, equipment, apparatus, manual and mechanized tools, etc.).

Construction technology of buildings and structures

Construction technology of buildings and structures defines the theoretical foundations and regulations for the practical implementation of certain types of construction, installation and special work, their interconnection in space and time in order to obtain products in the form of buildings and structures.

Construction production in our country is mainly developing on an industrial basis - the direction of transforming construction into a complex mechanized process of assembling buildings and structures from standardized prefabricated elements.

Currently, domestic builders continue to develop the main ways to improve capital construction, increase the efficiency of capital investments. To this end, the main attention is paid to ensuring the timely commissioning of fixed assets and production capacities, the concentration of funds and resources on the most important construction sites, the direction of capital investments, first of all, for the technical re-equipment and reconstruction of existing enterprises and for the completion of previously started construction projects, reducing the construction time, improving design business, implementation of construction according to the most progressive and economical projects.

The implementation of measures continues to significantly reduce the cost of manual labor, equip builders with high-performance machines and mechanisms, small-scale mechanization, efficient mechanized and manual tools. There is a further increase in the level of industrialization of construction production and the degree of factory readiness of building structures and parts. Currently, monolithic and prefabricated monolithic housing construction is gaining intensive development.

The implementation of these measures should ensure a significant increase in labor productivity in construction and be determined by improving labor protection for workers, greater attention to ecology and environmental protection.

Nowadays, bank cards are no longer a rarity, and each of us no longer performs one or two transactions per quarter, but three or four daily. Tens of millions of issued cards, hundreds of thousands of transactions per hour, tens of thousands of terminal devices for accepting cards - this is today's reality. There is a steady trend towards a shift in emphasis from cash receipt operations towards payment for goods / services in trade and service enterprises (hereinafter referred to as TSP).
Let us briefly recall how the card payment procedure in the merchant looks like in general.

The client (cardholder) makes a purchase of a product or service in a merchant that accepts cards for payment, as evidenced by stickers at the entrance to the store or at the checkout. Approaching the cashier, the client presents the card and informs the seller that he intends to pay with it. The seller takes the card, conducts its initial check for the absence of obvious signs of counterfeiting (he does not have to be an expert, it is enough to make sure that it is clearly not counterfeit). Next, the seller reads the data from the magnetic stripe or microprocessor (chip) of the card, using the corresponding connector of the electronic terminal (hereinafter - ET). Then he enters the amount of the transaction, the ET generates an authorization request and sends it to the acquiring bank. Further, the authorization request via the IPS channel reaches the host of the issuing bank, which allows or prohibits this operation (transaction). If the transaction is allowed, the issuer issues an authorization code and a response code (RC) '00'. Otherwise, the issuer's response is different from '00' and the authorization code is not issued (the transaction is not approved; the issuer does not confirm the payment). If successful, the merchant will print two copies of the receipt and the client confirms his or her agreement to pay for the transaction either by signing a signature-based transaction (SBT) or entering a PIN (PIN-based transaction, PBT). With SBT, the merchant of the merchant must complete the transaction by checking the signature on the receipt against the sample of the customer's signature in the designated space on the back of the card.

Placing information for buyers

To begin with, each merchant, by sticking posters with MPS logos on its doors, thereby assumes an obligation (namely, an obligation, and not just a wish) to accept cards of the corresponding system for payment.

Registration of payment transactions by bank cards in trade and service enterprises

And if the MasterCard logo hangs at the cash register, then this merchant is obliged to accept the corresponding card for payment (but not a Visa card, and vice versa). Moreover, merchants that accept cards, in places accessible to customers ("buyer's corner"), must contain information explaining the policy of this outlet regarding the return and exchange of goods paid for by the card. The absence of such an information resource is a violation of the rules of the Ministry of Railways.

Unwillingness of the cashier to accept the card for payment

Quite often, there are situations when a sticker hangs at the entrance to the merchant, saying that you can pay with a card, but at the time of payment it suddenly turns out that the cashier or the seller does not want to accept the card for payment without explaining the reasons for the refusal. Such actions are a serious violation of the rules of the IPS and may entail the imposition of rather tangible financial sanctions on the acquiring bank, which, in turn, can broadcast them later to the merchant, if this is provided for by the terms of the agreement between them.

Passport requirement when paying by card

The rules of the Ministry of Railways clearly state that when making a payment with a card, the seller has no right to request from the client (the bearer of the card) data confirming the identity of the latter, or other personal data, except for cases when it is necessary to complete the transaction (for example, for indicating the address of the client's place of residence for the purpose of subsequent delivery of the goods) or when this is clearly spelled out in the requirements of local legislation. The seller does not have any authority to require the client to present a passport or other identity documents. As a vivid example, we can cite the following situation: imagine that in a Russian merchant, a customer from China or a citizen of another country, exotic for us, who does not speak Russian or English, pays with a card in a Russian merchant. In this case, the seller and the buyer will not be able to communicate at all (unless the seller is a polyglot, of course). From the point of view of the rules of the Ministry of Railways, this practice of requiring documents when paying by card is punishable (a fine may be imposed on the acquiring bank with all the ensuing consequences for the merchant). However, some types of operations (which primarily include cash withdrawal operations in offices and bank branches) should be performed only on condition that the client presents an identity document.

PIN entry requirement when paying with a magnetic stripe card

Today more and more banks issue cards equipped not only with a magnetic stripe, but also with a microprocessor (chip). Such cards are called hybrid cards, and they can be used for transactions - both on the magnetic stripe and on the chip. This is an undoubted advantage, since it is believed that the chip cannot be made at home, which, in turn, deprives fraudsters of the opportunity to make a fake card by issuing a duplicate with a copy of the magnetic stripe track (so-called skimming). But often there is a situation when the merchant seller, having read the card data from the magnetic stripe (not from the chip), invites the client to confirm his consent to the payment by entering the PIN. This is completely unacceptable, since it carries the risk of complete compromise of the card data (i.e. track / track of the magnetic stripe and PIN), which theoretically can lead to the loss of all funds from the card account. The sellers explain their actions by the fact that "the electronic terminal is programmed in this way," however, most often the error lies in their actions: when working with ET, they mistakenly indicate that the card type is not MasterCard, but Cirrus / Maestro. It is noteworthy that on the territory of the Russian Federation all operations with Cirrus / Maestro cards must be performed exactly as PBT!
An interesting fact: the rules of the Visa MPS indicate that in any case, when making a payment for goods or services in the merchant, the client has the right to demand an SBT operation. And this has a quite reasonable explanation: not all clients remember their PIN and some banks generally issue cards without PIN to them. Of course, all of the above applies to cards with a magnetic stripe. For cards with a chip, the overwhelming number of transactions in the merchant is confirmed by the client by entering the PIN.

Recently, the IPS MasterCard issued a circular (operational bulletin), in which it notified all participants in the settlements that from June 8, 2012 in the Russian Federation it is allowed to request a PIN to confirm transactions with magnetic stripe cards by customers in the merchant.

Thus, at present on the territory of the Russian Federation, when registering transactions in merchants with cards with a magnetic stripe of the MPS Visa, entering a PIN is unacceptable, and with cards with a MasterCard magnetic stripe, it is allowed. For cards with a microprocessor (so-called chip), entering a PIN is almost mandatory for both MPS.

Refusal to accept cards without the name of the holder

To quickly enter the market, many issuers use so-called non-personalized, unnamed cards, on the front side of which there is only a number, an expiration date, but no client's last name and first name (this data is also missing on the first track of the magnetic stripe). The rules of the Ministry of Railways clearly indicate that such cards are an absolutely legitimate means of payment and should be accepted on an equal basis with all other products of the Ministry of Railways. Acquirers in the instructions for sellers also specifically stipulate this point, and nevertheless, quite often, unfortunately, it happens that sellers flatly refuse to accept such cards for payment. As arguments, the sellers argue that they have nothing to compare the last name and first name of the client (bearing in mind the prohibited practice of requesting supporting documents, which was mentioned above). Such actions of merchant employees also contradict world practice and are subject to study by acquiring banks.

Increase in price (surcharge) for goods when paying by card

As you know, when concluding an acquiring agreement with a merchant, the bank indicates the amount of the so-called acquiring concession (commission) that will be charged (underpaid) from the merchant for all card transactions. This commission varies by country and by type of merchant activity, taking into account the turnover of the latter. As a guideline, one can keep in mind a value of the order of 1.5 - 2.5%. Thus, if the transaction amount is 1000 rubles, the acquiring bank will credit the current account with the amount minus this commission, that is, 975 - 985 rubles. The difference is the most important component of the acquirer's activities and will be charged to operating income. This is a completely normal, generally accepted practice all over the world, and the opinion that it is unprofitable for merchants is nothing more than a delusion: when paying in cash, other overhead costs arise that are quite comparable to these "losses" for acquiring. This includes merchant expenses for recalculating cash, their safe storage, cash collection, etc. And nevertheless, many merchant practice setting markups when paying for goods and services using cards, and the amount of such "markups" is approximately equal to the amount of the acquiring commission. This practice is completely unacceptable, which is clearly stipulated in the rules of the Ministry of Railways. The same rules of the Ministry of Railways provide a kind of loophole for the merchant, namely: it is indicated that the merchant has the right to provide a discount for payment in cash. That is, in the general case, the price of a product or service when paying by card should not exceed the usual one, but you can give a discount to a client if he pays in cash.

Refusal to accept for payment an unsigned card

According to the rules of the Ministry of Railways, a special strip must be placed on the back of the card, intended for a sample signature of the legal cardholder. When making a payment for goods or services in the merchant, the cashier must offer the buyer to confirm his willingness to pay for the transaction, either by entering a PIN or by signing the electronic terminal's check. In case of confirmation of consent by the signature, the cashier should compare the signature on the check with the sample signature on the back of the card. However, quite often, when receiving a card, the client does not affix his signature (which is a violation of the MPS requirements and carries an increased risk of illegal use of the card by fraudsters if it is lost). Merchant sellers, seeing that the client offers them an unsigned card, often refuse to accept such a means of payment, which is also unacceptable. According to the rules of the Ministry of Railways, in such cases, the cashier should offer the buyer to present an identity document of the latter, containing a photo and a sample signature, then offer to sign the card, compare the signature on the card with the sample in the document and then complete the transaction in the usual way. If the buyer refuses to show his passport and (or) sign the card, the transaction should not be completed.

Setting the minimum purchase price / product for payment by card

Often there are situations when the store arbitrarily sets the minimum amount, from which the seller agrees to accept the card for payment. For example, the purchase amount when paying by card must not be less than 100 rubles. (or 1000, 10,000, etc.). This practice is categorically unacceptable, since according to the rules of the Ministry of Railways, the card payment terms must fully comply with the cash payment terms.

The procedure for returning goods and spent funds

It happens that for some reason the client wants to return the purchased product back. If the goods were paid for with a card, then the money must also be returned to the card account, and not in cash. Moreover, the refund must be made to the account of the card on which the initial payment was made. If the goods are returned back, the merchant employee must complete the corresponding operation on the electronic terminal (refund / credit - return / credit). As a result of this operation, a credit check is printed on the terminal, which is a confirmation and basis for the return of funds to the payer's account. According to the rules of the Ministry of Railways, the refund must be made within 30 days from the date of the credit transaction. If there is no receipt of funds to the card account after this period, the client can file a claim with the issuing bank, and the funds will be returned based on the results of the claim cycle on the basis of "credit not processed".

Issuance of checks for card transactions

The Ministry of Railways imposes very strict requirements on the contents of electronic terminals' receipts, printed upon completion of the transaction. So, the following data must be indicated on the check:

• description / price of each paid product / service;
• date and time of the operation;
• amount and currency of the transaction;
• card number (for security reasons only the last four digits);
• country, city, address of the location of a point or bank branch;
• the name of the merchant or DBA (doing business as, DBA name, for example, OJSC VimpelCom is known on the market as Beeline);
• authorization code (if any);
• type of operation (payment for goods, return);
• place for the client's signature;
• space for the initials of the seller, cashier or other identifier (for example, the number of a department in a supermarket) of the department that served the card;
• place for the seller's signature (in the case of a credit transaction);
• the copy of the buyer should contain a text in Russian or English with the following content: "Important: keep this receipt for control of transactions in the statement";
• other parameters as required by local laws.

According to the requirements of the Bank of Russia, on the checks of Russian merchants, it is necessary to place a text about the amount of the commission (usually they write "There is no acquirer commission") charged from the buyer.

It is also necessary to have text approximately as follows: "I hereby authorize my issuing bank to pay for this purchase and undertake to reimburse the issuer for the amount indicated in the" Total "column, plus all relevant fees."

Customers must keep copies of receipts for at least six months to ensure that they can control the correctness of the debiting of funds in their card statements. The main purpose of the information on the check is to provide an opportunity to unambiguously correlate the information reflected in the statement with the data on the check. If the data on the check and in the statement differ significantly, the client has the right to file a claim with all the ensuing sad consequences for the acquirer.

Submission of claims on the facts of revealed violations

In all cases described in this article, affected customers - bank card holders need to contact only their issuing bank. In this case, it will be necessary to submit to the bank such data as the exact address of the merchant, name, date, time, identifier or name of the acquiring bank (if the card transaction did not take place at all, i.e. the authorization request was not generated and did not go online , the issuer will not be able to determine these data independently), and the essence of the claim (refusal to accept the card, the requirement to present a passport, enter a PIN, etc.).

Obviously, there is no point in even trying to contact an acquiring bank, since in general, a situation with violation of the rules for processing card transactions can take place anywhere in the world and the victim will not always be able to find time to visit the right place and it is unlikely that he will have specialized knowledge and master the terminology in the local dialect.

On the basis of such an appeal, the issuer has the full right to send, in turn, a claim to the authorized body of the Ministry of Railways, and various sanctions can be applied to the acquirer, ranging from a warning and a requirement to conduct additional training of the violating merchant's employees up to the imposition of tangible financial fines (hundreds and thousands of dollars or euros depending on the tariffs of the Ministry of Railways).

In our dynamic age, when non-cash payments are rapidly invading all areas of life, and transactions with bank cards have become a daily occurrence, the aspect of client literacy is very important. This issue includes both the basics of the correct use of cards in everyday situations, and the nuances highlighted in this article, namely: what rights the buyer has when paying for goods or services in a network of merchants using a card and what exactly needs to be done in the event identification of violations of the procedures for registration of such transactions.

Since international payment systems do not work with end customers (cardholders and merchants), but with financial institutions and, first of all, make sure that their products (cards) are accepted everywhere and without restrictions, very strict requirements are imposed on acquirers in terms of guarantees and compliance with the procedures for accepting MPS cards in the network of their merchants. In cases of violations of the procedures and conditions for accepting cards, holders should complain to issuing banks, which, in turn, have the right and obligation to inform the relevant MPS about such incidents, which, as a result, may lead to very unpleasant sanctions for acquirers and incorrectly operating merchants and their employees.

September 2012

Trade and service companies

The use of CyberPlat® Internet solutions has a number of significant advantages for trading companies, namely: convenience and simplicity of the interface, minimal document flow, speed of settlements and optimization of expenses for accepting payments at retail and service outlets. The proposed technology for making settlements for accepting payments works exclusively in real time - the payer deposited funds in the cashier of the merchant and instantly replenishes the current account of the service provider's company and the payer's personal account in the provider's billing system.

Announcement

Any organizations providing services to the public (mobile operators, housing and communal services, electricity generating companies, digital and cable TV operators, Internet providers, satellite signaling systems, and others) can act as a service provider - at the moment there are almost 4,700 of them.

To get started, it is necessary to open a settlement account of a trade and service company in the Platina Commercial Bank and maintain a certain working balance on the account, within which payments are accepted. At the time of the transaction to receive a payment, the client's personal account is replenished on-line, and the funds are debited from the settlement account in the Platina Commercial Bank and transferred to the operator's account.

A significant achievement of the CyberPlat® electronic payment system is the ability to choose a payment method and use various devices for making a payment, depending on the capabilities of dealers.

Payment can be made through the cashier:

• (for example, a dealer company) using a computer (or even a smartphone) connected to the Internet and making payments through the CyberPlat® system website
• using an automated cash register (for example, in a retail store) - in this case, interaction with the CyberPlat® electronic payment system is carried out through the server of the trade enterprise
• application of technology "1C Enterprise"
• POS terminals
• any phones and smartphones supporting Android, IOS, Java
• other hardware.

and without human intervention:

• payment terminals (cash-in)
• ATM machines

For example,

• POS terminals are used for retail chains;
• for the Eldorado network - a special technology using the company's internal network;
• large dealer networks (Svyaznoy, Euroset, Know-How, the MTS retail network, Tele2 and others) use a solution based on a web interface;
• small dealers and sub-dealers use "lightweight" versions of the client software, which can also work via GPRS.

CyberPlat® system keeps a detailed record of all transactions using any of the above mechanisms, and full payment statistics is available online to the dealer administrator on the company's website

What is mcc code

MCC code — Merchant Category Code- a four-digit code reflecting the affiliation of the trade and service enterprise to a specific type of activity.

A specific MCC code is assigned to the seller by the bank serving the payment terminal (acquiring bank) at the time of the terminal installation. If a point of sale is engaged in several types of activities, then mcc code assigned as main activity code(according to OKVED).

For different payment systems (Visa, Mastercard, MIR, etc.), specific codes for one type of activity may differ, but in general they correspond to the following ranges:

• 0001 - 1499 - agricultural sector;
• 1500 - 2999 - contractual services;
• 3000 - 3299 - airline services;
• 3300 - 3499 - car rental;
• 3500 - 3999 - rental housing;
• 4000 - 4799 - transport services;
• 4800 - 4999 - utilities, telecommunications services;
• 5000 - 5599 - trade;
• 5600 - 5699 - clothing stores;
• 5700 - 7299 - other stores;
• 7300 - 7999 - business services;
• 8000 - 8999 - professional services and affiliates;
• 9000 - 9999 - government services

Why do you need mcc code

Banks use MCC codes for the formation of statistics, analysis of consumer behavior of customers, as well as for calculating cashback and bonuses for loyalty programs.

Why do we need this code - reasonable buyers? - For determining the affiliation of a retail outlet to a particular category of merchant and to commit shopping with maximum benefit, using a bank card with the maximum cashback in the corresponding category.

How to find the MCC code of a particular store

Before making a large purchase, involving a large cashback on one of your cards, it would be nice to make sure in advance that this purchase is accurately bonus (rewarded) by the Bank.

To do this, you need in advance (even before paying for the purchase) find out the MCC-code of the merchant... The following options are available:

1.

MCC code - what is it, why is it needed, how to find out the merchant category and what does cashback have to do with it

Mcc code reference

The easiest way is to contact mcc-codes reference(for example, mcc-codes.ru), and, using the search by name and city - find the point of interest and its MSS. It should be noted that the reference book contains mainly chain and large stores, and, possibly, mcc code of an unpopular or local outlet cannot be found.

2. Map-flagometer and test (small) purchase

You can find out the mcc code by making a purchase of an insignificant amount using flagometer maps(cards for which the mcc codes for the transactions performed are displayed in the Internet bank). To such flag maps include:

3. Incomplete (unpaid) purchase with a flag card

To find out mcc code this way, we need any card Bank Avangard. Define mcc-code the desired outlet as follows:

1. Make sure that the card has a zero balance (or that there is an obvious lack of funds on the card for a test, "false purchase")
2. Select the "product of interest" in the store
3. Make an unsuccessful attempt to pay for a "purchase"
4. After that, both in the Internet bank and in the mobile application, an unsuccessful payment operation will be displayed, indicating MCC code of the trading terminal.

After that, you will be able to choose the most profitable card for purchase on this mcc.

Don't forget to check out our list debit cards with cashback and interest for the remainder, it will help you choose the best option cards. Also read: TOP debit cards with cashback at gas stations.