Reimbursement den wed in tsp. MCC code - what is it, why is it needed, how to find out the merchant category and where does the cashback come from

05.03.2020

Engine

1. General information about resistance thermocouples.

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

resistance thermometer called a set for measuring temperature, including 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 its resistance must be measured with some device. According to the known relationship between the resistance of the thermal converter and the temperature, it is possible to determine the temperature value. Thus, the simplest set of resistance thermometers (Fig. 1, a) consists of a resistance thermocouple (RT), a secondary device (VP) for measuring resistance and a connecting line (LC) 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; TS - resistance thermal converter; VP, VP1, VP2 - secondary devices; LS - 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, Technographer, RMT-39/49), less often - logometers (for example, Sh-69001). The scales of secondary instruments are graduated in degrees Celsius.

Schemes with normalization of the output signal of thermal converters are widely used (Fig. 1, b). In this case, the resistance temperature converter is connected by a communication line to the normalizing converter NP (for example, Sh-9321, IPM-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 supplied to several secondary devices (VP-1, VP-2, etc.) or other consumers. Obviously, in this case, milliammeters should be secondary devices. Resistance transducers are produced, in the head of which there is a normalization circuit, i.e. their output signal is current 0...5, 4...20 mA or digital signal (smart transducers). In this case, the need to use the normalizing transducer NP in the form of a separate unit is eliminated. Resistance thermal converters 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

Technical data of resistance thermocouples

Type of RTD	Tolerance class	Use interval, °С	Tolerance limits ± 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% (referred)
TSMU			0.25; 0.5% (referred)
KTPTR		0...180 on Δt	0,05 + 0,001Δt 0.10 + 0.002Δ t
Metran 286 output 4...20 mA HART protocol		0...500 (from 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. the 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 up to 0.15 K-1. Semiconductor RTDs are not used in process control systems for measuring temperature, as they require periodic individual calibration. Usually they are used as temperature indicators in temperature error compensation circuits of some measuring instruments (for example, in conductivity meters circuits).

Pure metal resistance thermal converters, which are most widely used, are usually made of thin wire in the form of winding on a frame or spirals inside the frame. Such a product is called a sensing element of a resistance thermocouple. To protect against damage, the sensitive element is placed in protective fittings. The advantage of metal TS 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 the 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 thermal converter. It is also desirable to fulfill additional conditions: high temperature coefficient of electrical resistance (which ensures high sensitivity - resistance increment 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), made of copper (designation TCM) or nickel (designation TSN). A characteristic of TS is their resistance R0 at 0 °C, temperature coefficient of resistance (TCS) and class.

The presence of impurities in metals reduces the temperature coefficient of electrical resistance, therefore, metals for a resistance thermal converter must have a normalized purity. Since the TCR can change with temperature, the value W100 is chosen as an indicator of the degree of purity - the ratio of the resistances of the TS 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 thermal converter determines the permissible deviations from the nominal values, which, in turn, determines the permissible absolute error Δt of the TS conversion. According to the permissible errors, TS are divided into three classes - A, B, C, while platinum TS are usually produced in classes A, B, copper - in classes B, C. There are several standard types of TS. The nominal static characteristic (NSH) of a resistance thermal converter is the dependence of its resistance R on temperature t

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

where Rt is the resistance of the vehicle at temperature t, Ohm; Wt is the value of the ratio of resistance at temperature t to resistance at 0°C (R0). Wt values are selected from the tables of GOST R50353-92. The ranges of application of resistance thermocouples of various types and classes, the formulas for calculating the maximum errors and NSH are given in Table. 1 and 2.

table 2

Rated static characteristics of resistance thermocouples

					t°C

Nowadays, they are no longer 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 of shifting the 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 procedure for paying by card in a 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 a fake (he does not have to be an expert, it is enough just to make sure that it is clearly not fake). Next, the seller reads the data from the magnetic stripe or microprocessor (chip) of the card, using the appropriate connector of the electronic terminal (hereinafter - ET). Then he enters the amount of the operation, ET generates an authorization request and sends it to the acquiring bank. Further, the authorization request through the IPS channel reaches the host of the issuing bank, which allows or prohibits the execution of this operation (transaction). If the transaction is allowed, the issuer issues an authorization code and a response code (RC) of "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). Upon successful completion, the Merchant Merchant prints two copies of the check and the customer confirms their agreement to pay for the transaction, either by signing the check (signature-based transaction, SBT) or by entering a PIN (PIN-based transaction, PBT). With SBT, the merchant must complete the transaction by verifying the signature on the receipt against the sample signature of the customer in the designated area on the back of the card.

Placing information for buyers

Let's start with the fact that each merchant, sticking posters with the logos of the Ministry of Railways 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 checkout, then this merchant is obliged to accept the corresponding card for payment (but not the Visa card, and vice versa). Moreover, merchants accepting cards should display information in places accessible to customers ("shopper's corner") explaining the point's policy regarding the return and exchange of goods paid for by card. The absence of such an information resource is a violation of the rules of the IPU.

Reluctance of the cashier to accept the card for payment

Quite often there are situations when at the entrance to the merchant there is a sticker saying that you can pay with a card here, but at the time of payment it suddenly turns out that the cashier or 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 IPU and may entail the imposition of quite tangible financial sanctions on the acquiring bank, which in turn can broadcast them later to the point of sale, if this is provided for by the terms of the agreement between them.

Requirement of a passport when paying by card

The MPS rules clearly state that when making a payment by card, the seller does not have the right to request from the client (card holder) data confirming the identity of the latter, or other personal data, except when it is necessary to complete the transaction operation (for example, for indication of the address of the client's place of residence for the purpose of subsequent delivery of the goods) or when this is expressly stated in the requirements of local law. The seller does not have any authority to require the client to present a passport or other identification documents. The following situation can be cited as a vivid example: imagine that a client from China or a citizen of another exotic country who speaks neither Russian nor English is paying with a card in a Russian merchant. In this case, the seller and the buyer will not be able to communicate at all (of course, if the seller is not a polyglot). From the point of view of the rules of the Ministry of Railways, such a practice of requiring documents when paying with a card is punishable (a fine may be imposed on the acquiring bank with all the ensuing consequences for the merchant). However, some types of transactions (which primarily include cash withdrawal transactions in offices and branches of banks) must be performed only if the client presents an identity document.

Requirement to enter a PIN when paying with a magnetic stripe card

Today, more and more banks issue cards equipped not only with a magnetic strip, but also with a microprocessor (chip). Such cards are called hybrid cards, and transactions can be performed on them - both on a magnetic stripe and on a chip. This is an undeniable advantage, since it is believed that the chip cannot be made at home, which, in turn, deprives fraudsters of the opportunity to fake a card by issuing a duplicate of it with a copy of the magnetic stripe track (so-called skimming). But often there is a situation when the seller of the merchant, having read the card data from the magnetic strip (not from the chip), offers the client to confirm his agreement with the payment by entering the PIN. This is completely unacceptable, as it carries the risk of a complete compromise of the card data (i.e. the 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 saying that “the electronic terminal is programmed this way”, but 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 in the territory of the Russian Federation all transactions with Cirrus / Maestro cards must be carried out exactly as PBT!
An interesting fact: the Visa MPS rules state that in any case, when making a payment for goods or services in a merchant, the client has the right to demand an SBT transaction. And this has a completely reasonable explanation: not all customers remember their PIN and some banks generally issue cards without a PIN for them. Of course, all of the above applies to magnetic stripe cards. With cards with a chip, the vast majority of transactions in the merchant are confirmed by the client by entering a PIN.

Recently, MPS MasterCard issued a circular (operational bulletin) in which it notified all settlement participants that from June 8, 2012, it is allowed in the Russian Federation to request a PIN to confirm customers' transactions with magnetic stripe cards carried out in merchants.

Thus, at present, in the territory of the Russian Federation, when registering transactions in a merchant using cards with a magnetic stripe of the Ministry of Railways Visa, entering a PIN is not allowed, but for cards with a magnetic stripe MasterCard - it is allowed. For cards with a microprocessor (so-called chip), entering a PIN is practically 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, non-personalized cards, on the front side of which there is only a number, expiration date, but no last name and first name of the client (this data is also absent on the first track of the magnetic strip). The rules of the IPU clearly indicate that such cards are absolutely legitimate means of payment and should be accepted on an equal basis with all other products of the IPU. 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 surname and name of the client (referring to 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.

Price increase (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), which will be charged (underpaid) from the merchant for all card transactions. This commission varies by country and type of activity of the merchant, taking into account the turnover of the latter. For a guide, you 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 amount minus this commission, that is, 975 - 985 rubles, to the current account. The difference is the most important component of the acquirer's activities and will be charged to operating income. This is a completely normal practice, generally accepted all over the world, and the opinion that it is unprofitable for merchants is nothing more than a delusion: when paying in cash, there are other overhead costs that are quite comparable to these "losses" for acquiring. This includes the costs of merchants for cash counting, their safe storage, collection, etc. Nevertheless, many merchants practice setting surcharges when paying for goods and services with cards, and the amount of such “markups” is approximately equal to the size of the acquiring commission. This practice is completely unacceptable, which is clearly stated in the rules of the IPU. In the same rules, the MPS provides a kind of loophole for the merchant, namely: it is indicated that the merchant has the right to provide a discount for paying 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 make a discount to the client if he pays in cash.

Refusal to accept an unsigned card for payment

According to the rules of the IPU, a special strip must be placed on the back of the card, intended for the sample signature of the legal cardholder. When processing a payment for goods or services in a merchant, the cashier must offer the buyer to confirm their willingness to pay for the transaction, either by entering a PIN or by signing a receipt of an electronic terminal. If consent is confirmed by signature, the cashier should compare the signature on the receipt with the sample signature on the back of the card. However, quite often, when receiving a card, the client does not put his signature (which is a violation of the requirements of the Ministry of Railways and carries an increased risk of illegal use of the card by fraudsters if it is lost). Sellers of merchants, seeing that the client offers them an unsigned card, often refuse to accept such a means of payment for 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 photograph and a sample signature, and 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 present a passport and (or) sign a card, the transaction should not be completed.

Setting the minimum price of the purchase / product for payment by card

Often there are situations when the store arbitrarily sets the minimum amount, starting from which the seller agrees to accept the card for payment. For example, the purchase amount when paying by card should 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 terms of payment by card must fully comply with the terms of payment in cash.

The procedure for the return of 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 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 execute 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 the basis for the return of funds to the payer's account. According to the rules of the Ministry of Railways, the return of funds must be made within 30 days from the date of registration 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 following the results of the claim cycle with the basis "loan not processed".

Issuing receipts for card transactions

The Ministry of Railways impose very strict requirements on the contents of checks of electronic terminals printed out 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;
the amount and currency of the transaction;
card number (for security reasons, only the last four digits);
country, city, address of the outlet or branch of the bank;
the name of the TSP or DBA (doing business as, DBA name, for example, VimpelCom OJSC is known on the market as Beeline);
authorization code (if any);
type of operation (payment for goods, return);
place for the client's signature;
a place for the initials of the seller, cashier or other identifier (for example, the department number in the supermarket) of the department that served the card;
a place for the seller's signature (in the case of a credit transaction);
the buyer's copy should contain 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 on the amount of the commission (usually they write "There is no acquirer commission") charged from the buyer.

It is also necessary to have text similar to the following: "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 applicable commissions."

Customers must keep copies of checks for at least six months to ensure that they can control the correctness of debiting funds in their statements on card transactions. 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 unfortunate consequences for the acquirer.

Submission of claims on the facts of revealed violations

In all cases described in this article, affected buyers - bank card holders need to contact only their issuing bank that issued the card. In this case, it will be necessary to provide the bank with 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 this data on its own), and the essence of the claim (refusal to accept the card, requirement to present a passport, enter a PIN, etc.).

Obviously, it makes no sense to even try to contact the acquiring bank, since in the general case the situation with violation of the rules for processing card transactions can take place anywhere in the world and not always the victim will be able to find time to visit the right place and it is unlikely that he will have special knowledge and know the terminology in the local dialect.

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

Conclusion

In our dynamic age, when cashless payments are rapidly invading all areas of life, and transactions with bank cards have become an everyday occurrence, the aspect of client literacy is very important. This question includes both the basics of the correct use of cards in everyday situations, and the nuances covered in this article, namely: what rights does a buyer have when paying for goods or services in a network of trade and service enterprises using a card and what exactly needs to be done in case of detection 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 warranty 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 the issuing banks, which, in turn, have the right and obligation to inform the relevant IPS about such incidents, which can ultimately lead to very unpleasant sanctions for acquirers and incorrectly working merchants and their employees.

September 2012

Nowadays, bank cards are no longer a rarity, and each of us no longer makes 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 tendency to shift the emphasis from cash receipt operations towards operations of payment for goods/services in trade and service enterprises (hereinafter referred to as TSPs).
Let us briefly recall how the procedure for paying by card in a 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 a fake (he does not have to be an expert, it is enough just to make sure that it is clearly not fake). Next, the seller reads the data from the magnetic stripe or microprocessor (chip) of the card using the appropriate connector of the electronic terminal (hereinafter - ET). Then he enters the amount of the operation, ET generates an authorization request and sends it to the acquiring bank. Further, the authorization request through the IPS channel reaches the host of the issuing bank, which allows or prohibits the execution of this operation (transaction). If the transaction is allowed, the issuer issues an authorization code and a response code (RC) of '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). Upon successful completion, the Merchant Merchant prints two copies of the check and the customer confirms their agreement to pay for the transaction, either by signing the check (signature-based transaction, SBT) or by entering a PIN (PIN-based transaction, PBT). With SBT, the merchant must complete the transaction by verifying the signature on the receipt against the sample signature of the customer in the designated area on the back of the card.

Placing information for buyers

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

And if the MasterCard logo hangs at the checkout, then this merchant is obliged to accept the corresponding card for payment (but not the Visa card, and vice versa). Moreover, merchants accepting cards should display information in places accessible to customers ("shopper's corner") explaining the point's policy regarding the return and exchange of goods paid for by card. The absence of such an information resource is a violation of the rules of the IPU.

Reluctance of the cashier to accept the card for payment

Requirement of a passport when paying by card

Requirement to enter a PIN when paying with a magnetic stripe card

Today, more and more banks issue cards equipped not only with a magnetic strip, but also with a microprocessor (chip). Such cards are called hybrid cards, and transactions can be made with them - both by magnetic stripe and by chip. This is an undeniable advantage, since it is believed that the chip cannot be made at home, which, in turn, deprives fraudsters of the opportunity to fake a card by issuing a duplicate of it with a copy of the magnetic stripe track (so-called skimming). But often there is a situation when the seller of the merchant, having read the card data from the magnetic strip (not from the chip), offers the client to confirm his agreement with the payment by entering the PIN. This is completely unacceptable, as it carries the risk of a complete compromise of the card data (i.e. the 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 saying that “the electronic terminal is programmed this way,” but 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 in the territory of the Russian Federation all transactions with Cirrus / Maestro cards must be carried out exactly as PBT!
An interesting fact: the Visa MPS rules state that in any case, when making a payment for goods or services in a merchant, the client has the right to demand an SBT transaction. And this has a completely reasonable explanation: not all customers remember their PIN and some banks generally issue cards without a PIN for them. Of course, all of the above applies to magnetic stripe cards. With cards with a chip, the vast majority of transactions in the merchant are confirmed by the client by entering a PIN.

Thus, at present, in the territory of the Russian Federation, when registering transactions in a merchant using cards with a magnetic stripe of the Visa Ministry of Railways, entering a PIN is not allowed, but for cards with a MasterCard magnetic stripe, it is allowed. For cards with a microprocessor (so-called chip), entering a PIN is practically mandatory for both MPS.

Refusal to accept cards without the name of the holder

Price increase (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), which will be charged (underpaid) from the merchant for all card transactions. This commission varies by country and type of activity of the merchant, taking into account the turnover of the latter. For a guide, you 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 amount minus this commission to the current account, 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 practice, generally accepted all over the world, and the opinion that it is unprofitable for merchants is nothing more than a delusion: when paying in cash, there are other overhead costs that are quite comparable to these "losses" for acquiring. This includes the costs of merchants for cash counting, their safe storage, collection, etc. Nevertheless, many merchants practice setting surcharges when paying for goods and services with cards, and the amount of such “markups” is approximately equal to the size of the acquiring commission. This practice is completely unacceptable, which is clearly stated in the rules of the IPU. In the same rules, the MPS provides a kind of loophole for the merchant, namely: it is indicated that the merchant has the right to provide a discount for paying 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 make a discount to the client if he pays in cash.

Refusal to accept an unsigned card for payment

Setting the minimum price of the purchase / product for payment by card

The procedure for the return of goods and spent funds

Issuing receipts for card transactions

description/price of each paid product/service;
date and time of the operation;
the amount and currency of the transaction;
card number (for security reasons, only the last four digits);
country, city, address of the outlet or branch of the bank;
the name of the TSP or DBA (doing business as, DBA name, for example, VimpelCom OJSC is known on the market as Beeline);
authorization code (if any);
type of operation (payment for goods, return);
place for the client's signature;
a place for the initials of the seller, cashier or other identifier (for example, the department number in the supermarket) of the department that served the card;
a place for the seller's signature (in the case of a credit transaction);
the buyer's copy should contain 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.

Submission of claims on the facts of revealed violations

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 a variety of sanctions can be applied to the acquirer - ranging from a warning and a requirement to conduct additional training for employees of the violating merchant up to the imposition of tangible financial fines (hundreds and thousand dollars or euros depending on the tariffs of the Ministry of Railways).

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 costs for accepting payments at trade and service points. The proposed technology for making settlements for receiving payments works exclusively in real time - the payer deposited funds at the cash desk of the trade and service enterprise and the settlement account of the service provider's company and the payer's personal account in the provider's billing system are instantly replenished.

Announcement

Any organization providing services to the population (mobile operators, housing and communal services, electricity generating companies, digital and cable television 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 start work, it is necessary to open a settlement account for a trade and service company in CB Platina and maintain a certain working balance on the account, within which payments are accepted. At the time of the transaction for receiving payment, the client's personal account is replenished on-line, and the funds are debited from the settlement account in CB Platina and transferred to the operator's account.

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

Payment can be made through the cashier:

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

and without human intervention:

payment terminals (cash-in)
ATMs

For example,

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

The CyberPlat® system keeps a detailed record of all transactions using any of the listed mechanisms, and full payment statistics are available on-line to the dealer administrator on the company's website

What is mcc code

MCC code — Merchant Category Code- a four-digit code reflecting the belonging of a 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 installation of the terminal. If the outlet 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 - contract 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 membership organizations;
9000 - 9999 - government services

Why do you need an mcc code

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

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

How to find out the MCC code of a particular store

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

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

1. MCC code - what is it, why is it needed, how to find out the merchant category and where does the cashback come from

Directory of mcc codes

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

2. Flag-card and test (small) purchase

You can find out the mcc code by making a small purchase using flag meter cards(cards that display mcc codes for completed transactions in the Internet bank). To such flag maps include:

3. Incomplete (unpaid) purchase with a flag meter card

In order to find mcc code this way, we need any card Bank Vanguard. Determine mcc-code the desired outlet can be as follows:

Make sure the card has a zero balance (or a clear lack of funds on the card for a test, "false purchase")
Select "product of interest" in the store
Make an unsuccessful attempt to pay for a "purchase"
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 advantageous card to buy for this mcc.

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