Brother
Professional
- Messages
- 2,590
- Reaction score
- 544
- Points
- 113
1. Bank card identification:
1.1. Identify the Bank Card presented for payment (hereinafter also referred to as the "Card") and perform an external inspection of the Card to determine its authenticity and validity.
1.2. Do not serve cards that have not yet expired or have already expired (the card's validity period is indicated on its front side). The card validity period reflects the card's start date and end date (for example, 07/00 07/02). Sometimes the card's validity period may contain only the expiration date. The start and end dates of the card's validity period are located below the number that is embossed (stamped in a special way) on the card. The card is valid from 00.00 on the first day of the month indicated on it (in our example: - from 00.00 on July 1, 2000) until 24.00 hours inclusive of the last day of the month indicated on it (in the example: - until 24.00 hours inclusive of July 31, 2002).
1.3. Do not serve local cards, i.e. cards that indicate that they are valid only in one country, with the exception of Russia: if the card is local, the country of validity is indicated on the front side ("Valid only in [country name]" - "Valid only in [country name]"). The exception is cards that indicate " Valid only in Russia "("Valid only in Russia"). These cards must be accepted for payment.
1.4. Use the logo to determine whether the Card Holder's card belongs to one of the supported payment systems: VISA, MASTERCARD, DINERS CLUB/ DISCOVER.
2. Determining the authenticity of a bank card:
2.1. Make sure that there are no signs of forgery or damage to the card (bends, melted areas, traces of changing the card number, holes and other obvious surface damage, etc.).
2.2. Make sure that the Holder's signature is present on the back of the card and that there are no traces of forgery of the signature strip itself. If an attempt was made to change the signature on the panel, the word "VOID" will appear on the panel (invalid). If the signature on the signature strip differs from the signature on the slip / receipt, be sure to ask the Holder to sign again or present an identity document, enter the details of which in the slip or on the front side of the terminal receipt. If there is no signature on the back of the card, offer it to the Cardholder sign the card and present an identity document containing a sample of his signature. The card can only be accepted for payment if both signatures match, otherwise it can be withdrawn.
2.3. After determining whether the card belongs to one of the payment systems, make sure that the following mandatory elements are present::
2.3.1. For VISA cards:
on the front side
- the VISA logo in the form of a three-color flag (blue, white, gold): the white stripe says "VISA".
- the logo is located in the upper or lower right corner of the card;
- along the contour of the VISA logo in the form of a continuous frame, a microprint of the bank code and BIN (bank identification number) of the card issuer is applied;
- a hologram (three-dimensional image) in the form of a flying pigeon pressed into plastic; when the card is rotated, the pigeon "flaps its wing";
- on the front side can be of the contact group (the so-called chip or smart card), located on the first four numbers of the card;
a VISA card number beginning with "4" and consisting of 16 or 13 digits: "4ХХХ XXXX XXXX XXXX" or "4ХХХ xxx XXX XXX" in this case, the last group of numbers must be located in the field of the hologram;
the first four digits ambassademonaco the card number must match with four digits BIN Bank , is printed under the card number;
the validity of the card can be ambassasor start and end, for example, 10/96 - 10/98, or just end, for example, 10/98; the card can be issued for 1 month, 1 year, 2 year and 3 years
after the date of expiration of the card should be a special symbol of safety "V", elbassiouny on the card with a special font "flying italic" (with tilt to the right);
the image of a flying dove in the center of the card visible in ultraviolet light (purple or red);
- personal data of the card Holder (name, surname) caused by embossing;
- there may be a photo of the cardholder and/or a photocopy of their signature (see the picture).
A card with a photo of the owner and a photocopy of their signature on the front side.
on the back side
- magnetic strip, sealed in plastic, not glued;
- in the presence of the contact group (chip or smart card) to sign the band should not go onto the area of the contact group;
on the signature panel must be clear (not worn, not oiled) the signature of the card Holder;
on the signature panel text under the slope of the repeated words "VISA" written in blue and gold colors;
- in the upper-right corner of the signature panel, the card number (or the last 4 digits of the card number) and three digits of the CVV2 security code are printed with a tilt to the left.
- there may be a photo of the cardholder and/or a photocopy of his signature.
Attention!!! Since 01.01.2006, VISA cards of a new design have been put into circulation.
The following changes have been made for the new design of VISA cards:
on the front side
- a hologram with the image of a flying pigeon - on the right side of the Card above (or below) the VISA logo may or may not be present on the Cards of the new model (the hologram may also be present on the reverse side of the Card).
The last four or three digits of the number are embossed on the hologram.
- The validity period of the Card is stamped under the Card number. It can include the start and end date of the validity period.
- The Card number starts with the number "4".
- The new VISA logo can be placed in the lower-right, upper-right, and upper-left corners.
- The logo has an ultraviolet element - an image of the letter V (in the same format as on the logo).
- If the information on the Card is printed instead of printed, the "electronic use only" memo must be present on the front side (only for use in a POS terminal).
on the reverse side:
- The three-digit CVV2 code can be located either on the signature strip of the Holder, or in a separate field located immediately after the signature strip.
- The signature strip for the Cardholder contains an ultraviolet element-the repeated word VISA (VISA typographic inscriptions are missing, a number of stripes are applied).
- The magnetic stripe can be standard, or it can be holographic (with the image of a flying pigeon).
- The three-digit CVV2 code and Card number on the Cardholder's signature strip are printed in italics with a left tilt.
- New VISA chip cards may have a vertical arrangement of information.
1.1. Identify the Bank Card presented for payment (hereinafter also referred to as the "Card") and perform an external inspection of the Card to determine its authenticity and validity.
1.2. Do not serve cards that have not yet expired or have already expired (the card's validity period is indicated on its front side). The card validity period reflects the card's start date and end date (for example, 07/00 07/02). Sometimes the card's validity period may contain only the expiration date. The start and end dates of the card's validity period are located below the number that is embossed (stamped in a special way) on the card. The card is valid from 00.00 on the first day of the month indicated on it (in our example: - from 00.00 on July 1, 2000) until 24.00 hours inclusive of the last day of the month indicated on it (in the example: - until 24.00 hours inclusive of July 31, 2002).
1.3. Do not serve local cards, i.e. cards that indicate that they are valid only in one country, with the exception of Russia: if the card is local, the country of validity is indicated on the front side ("Valid only in [country name]" - "Valid only in [country name]"). The exception is cards that indicate " Valid only in Russia "("Valid only in Russia"). These cards must be accepted for payment.
1.4. Use the logo to determine whether the Card Holder's card belongs to one of the supported payment systems: VISA, MASTERCARD, DINERS CLUB/ DISCOVER.
2. Determining the authenticity of a bank card:
2.1. Make sure that there are no signs of forgery or damage to the card (bends, melted areas, traces of changing the card number, holes and other obvious surface damage, etc.).
2.2. Make sure that the Holder's signature is present on the back of the card and that there are no traces of forgery of the signature strip itself. If an attempt was made to change the signature on the panel, the word "VOID" will appear on the panel (invalid). If the signature on the signature strip differs from the signature on the slip / receipt, be sure to ask the Holder to sign again or present an identity document, enter the details of which in the slip or on the front side of the terminal receipt. If there is no signature on the back of the card, offer it to the Cardholder sign the card and present an identity document containing a sample of his signature. The card can only be accepted for payment if both signatures match, otherwise it can be withdrawn.
2.3. After determining whether the card belongs to one of the payment systems, make sure that the following mandatory elements are present::
2.3.1. For VISA cards:
on the front side
- the VISA logo in the form of a three-color flag (blue, white, gold): the white stripe says "VISA".
- the logo is located in the upper or lower right corner of the card;
- along the contour of the VISA logo in the form of a continuous frame, a microprint of the bank code and BIN (bank identification number) of the card issuer is applied;
- a hologram (three-dimensional image) in the form of a flying pigeon pressed into plastic; when the card is rotated, the pigeon "flaps its wing";
- on the front side can be of the contact group (the so-called chip or smart card), located on the first four numbers of the card;
a VISA card number beginning with "4" and consisting of 16 or 13 digits: "4ХХХ XXXX XXXX XXXX" or "4ХХХ xxx XXX XXX" in this case, the last group of numbers must be located in the field of the hologram;
the first four digits ambassademonaco the card number must match with four digits BIN Bank , is printed under the card number;
the validity of the card can be ambassasor start and end, for example, 10/96 - 10/98, or just end, for example, 10/98; the card can be issued for 1 month, 1 year, 2 year and 3 years
after the date of expiration of the card should be a special symbol of safety "V", elbassiouny on the card with a special font "flying italic" (with tilt to the right);
the image of a flying dove in the center of the card visible in ultraviolet light (purple or red);
- personal data of the card Holder (name, surname) caused by embossing;
- there may be a photo of the cardholder and/or a photocopy of their signature (see the picture).
A card with a photo of the owner and a photocopy of their signature on the front side.
on the back side
- magnetic strip, sealed in plastic, not glued;
- in the presence of the contact group (chip or smart card) to sign the band should not go onto the area of the contact group;
on the signature panel must be clear (not worn, not oiled) the signature of the card Holder;
on the signature panel text under the slope of the repeated words "VISA" written in blue and gold colors;
- in the upper-right corner of the signature panel, the card number (or the last 4 digits of the card number) and three digits of the CVV2 security code are printed with a tilt to the left.
- there may be a photo of the cardholder and/or a photocopy of his signature.
Attention!!! Since 01.01.2006, VISA cards of a new design have been put into circulation.
The following changes have been made for the new design of VISA cards:
on the front side
- a hologram with the image of a flying pigeon - on the right side of the Card above (or below) the VISA logo may or may not be present on the Cards of the new model (the hologram may also be present on the reverse side of the Card).
The last four or three digits of the number are embossed on the hologram.
- The validity period of the Card is stamped under the Card number. It can include the start and end date of the validity period.
- The Card number starts with the number "4".
- The new VISA logo can be placed in the lower-right, upper-right, and upper-left corners.
- The logo has an ultraviolet element - an image of the letter V (in the same format as on the logo).
- If the information on the Card is printed instead of printed, the "electronic use only" memo must be present on the front side (only for use in a POS terminal).
on the reverse side:
- The three-digit CVV2 code can be located either on the signature strip of the Holder, or in a separate field located immediately after the signature strip.
- The signature strip for the Cardholder contains an ultraviolet element-the repeated word VISA (VISA typographic inscriptions are missing, a number of stripes are applied).
- The magnetic stripe can be standard, or it can be holographic (with the image of a flying pigeon).
- The three-digit CVV2 code and Card number on the Cardholder's signature strip are printed in italics with a left tilt.
- New VISA chip cards may have a vertical arrangement of information.
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