Acquiring

The Processing center processes authorization requests received only by a definite phone number of the Processing center, operating round-the-clock seven days a week. The Merchant (cashier) applying to the Processing center with a plea for authorization is obliged to comply with the instructions of the Processing center operator strictly and submit the data as follows:

• The card number;
• Merchant’s number (the number stated on the imprinter table);
• The card validity period (as stated on the card);
• The total sum of transaction without regard to rounding.

If Merchant fails to comply with that instruction, the Processing center does not carry out authorization. The sequence of operator’s questions and the volume of information required can be changed if coordinated by the Bank and the Processing center.

If a card’s authenticity is questioned or the fact that the card applicant is the true card holder seems doubtful, the Cashier must inform the Processing center operator accordingly, doing that immediately before the card number is stated – by pronouncing the phrase “Code 10”.

Depending on the message received from the card-issuing bank, the Processing center operator shall submit the following to Merchant (Cashier):

• Transaction permit, with the statement of service code;
• Instruction to deny the transaction (without giving any reasons);
• Information about the necessity of waiting as long as the reported time claims – since the message “Get connected with the issuing bank” is received;
• Instruction to seize the card.

On reception of the message “Get connected with the company/issuing bank”, the Processing center operator furnishes Merchant with the instruction “wait as long as the reported time claims” and gets connected with the company./card-issuing bank through telex. The operation “Get connected with the company/issuing bank” is performed by the Processing center to receive authorization decision in the following cases:

• The message “Get connected with the issuing bank” is received from International payment system;
• A message from payment system is received, stating that the reception of authorization code is impossible due to some faults in the computer network of the payment system used for authorization in online mode;
• In process of authorization, some faults in operation of the payment system software or equipment installed in the Processing center took place.

If the connection is established and an answer from the Issuing bank is received, the Processing center sends one of the following messages to Merchant (Cashier):

• Transaction permit, with reporting validation code;
• instruction to deny transaction (without stating any reasons);
• instruction for card holder prescribing him to get connected with Issuing Bank directly;
• the necessity of submitting additional information on the card and its holder.

If no telex communication with the issuing bank and/or receiving an answer is possible, the Processing center informs Merchant (Cashier) about transaction denial.

Service code: 02080001

Backup authorization of cards is performed by Telex/ SWIFT and through dedicated terminals of International payment systems.

Service code: 02080002

The Bank enters all the slip data and transmits it to the Processing center in electronic form. The Bank shall keep slips at its facilities.

Service code: 02080003

To ensure the provision of this service by the Processing center, the Bank should send a corresponding application (in a free format) to the Processing center. On considering the application, the Processing center sends the Bank information on the Processing center’s service rendering procedure. After the interaction between the Processing center and the Bank is coordinated, the Processing center shall provide this service to the Bank as coordinated and according to the Contract and Regulations.

Service code: 02080004

To ensure the provision of this service by the Processing center, the Bank should send a corresponding application (in a free format) to the Processing center. On considering the application, the Processing center sends the Bank information on the Processing center’s service rendering procedure. After the interaction between the Processing center and the Bank is coordinated, the Processing center shall provide this service to the Bank as coordinated and according to the Contract and Regulations.

Service code: 02080005

To ensure the provision of this service by the Processing center, the Bank should send a corresponding application (in a free format) to the Processing center. On considering the application, the Processing center sends the Bank information on the Processing center’s service rendering procedure. After the interaction between the Processing center and the Bank is coordinated, the Processing center shall provide this service to the Bank as coordinated and according to the Contract and Regulations.

Service code: 02080006

To ensure the provision of this service by the Processing center, the Bank should send a corresponding application (in a free format) to the Processing center. On considering the application, the Processing center sends the Bank information on the Processing center’s service rendering procedure. After the interaction between the Processing center and the Bank is coordinated, the Processing center shall provide this service to the Bank as coordinated and according to the Contract and Regulations.

Service code: 02080007

According to Regulations, Merchants of the Bank receive messages from card holders, informing about stolen or lost cards, and subsequently pass that information to operator of authorization department of the Processing center. On reception of the fullest information on a stolen/lost card, the authorization department operator advises the Issuing bank accordingly by Telex/ SWIFT and fax.

On running the procedure “Issuing bank informing on a stolen/lost card”, the Processing center, acting in compliance with Regulations of payment systems, shall draw up and send to International payment system a message of the type 1740 which contains, in particular, the following data:

• Card number;
• Date of Issuing Bank informing on stolen/lost card;
• The message “0201” reason code sending (commission fee for report on stolen/lost card sending);
• The sum of commission fee payable for running the procedure “Issuing bank Informing on a stolen/lost card”, which takes into account telex/ SWIFT communication costs incurred when running the procedure.

This information is also included into the Processing center report SMP9005 submitted to the Bank after 1740-type message is compiled and sent to the payment system. The above-stated report is sent to the Bank by e-mail and is handed over to a representative of the Bank as a hard copy or on an external carrier if necessary.

Service code: 02080008

When carrying out card confiscation, Cashier fills out Form 0208000015 in two copies. Subsequently, the cashier shall send one copy to Bank Acquirer jointly with the card, and shall pass the other copy over to the card holder.

The Bank shall send Application (Form 0208000016) to the Processing center for charging the confiscated card-issuing company with the commission for the card confiscation.

Service code: 02080009

On request of the Bank, the Processing center receives, processes, and subsequently sends to the Bank the exception file distributed by payment system among members of international payment systems who have subscribed to that kind of service in payment systems.

Service code: 02080010

The Processing center acting on a regular basis carries out saving, updating, and archiving of data describing Bank’s Merchants; the Processing center also supports its software and hardware, that is necessary for running the Bank’s Merchants’ database.

Service code: 02080011

Should any information on a Merchant be changed, the Bank shall submit a duly completed Application (Form 0208000019) to the Processing center.

If the Bank has SM3000 system, the Bank shall perform the above-stated operation independently.

Service code: 02080012

If a Merchant should be blocked in the Processing center database, the Bank shall submit Application (Form 0208000020) to the Processing center.

If the Bank has SM3000 system, the Bank shall perform the above-stated operation independently.

Service code: 02080013

If a Merchant must be unlocked in the Processing center database, the Bank shall submit Application (Form 0208000021) to the Processing center.

If the Bank has SM3000 system, the Bank shall perform the above-stated operation independently.

Service code: 02080014

If a Merchant must be deleted from the Processing center database, the Bank shall submit a duly completed Application (Form 0208000022) signed by the Bank’s authorized representative and affixed by the Bank’s seal, to the Processing center. No withdrawal of Merchant through SM3000 system is accomplished.

Service code: 02080015

If SM3000 is available, the Bank performs ATM monitoring independently. Apart from that, the Processing center duty engineers perform ATM monitoring round-the-clock. In process of monitoring, the Processing center shall submit the following information to the Bank immediately (through SM3000, contact phone, e-mail, fax, or SMS informing):

• ATM state: normal, error, printer paper run-out, card “swallowed”, little cash in cassettes remained, cassette filled-in, a note crumpled, etc.
• Check the state of telecommunications;
• Service mode: normal, supervisory.

When operating through SM3000, operator of the Bank can open and close ATM and check all modes and states of ATM operation.

Service code: 02080016

An emergency in ATM operation may be ATM shutdown or errors. The Processing center duty engineers who carry out round-the-clock monitoring of ATM identify ATM emergency and normalize its operation. For instance, if a note is crumpled, the problem of issued manual cash insufficiency arises. In this case, the Bank performs ATM cash collection with cash recount. To help the Bank, the Processing center subjects a disputable transaction to clearing.

Service code: 02080017

If SM3000 is available, the Bank performs POS terminal monitoring independently. Apart from that, the Processing center duty engineers exercise round-the-clock monitoring of point of sale terminal. In process of monitoring, the Processing center shall submit the following information to the Bank immediately:

• Check the state of telecommunications;
• Service mode: normal, supervisory.

Service code: 02080018

An emergency in Point of sale operation may be a shutdown or errors. The Processing center duty engineers who carry out round-the-clock monitoring of points of sale identify the emergency and normalize the point of sale operation.

Service code: 02080019

If SM3000 is available, the Bank performs Point of sale monitoring independently. Apart from that, the Processing center duty engineers perform round-the-clock monitoring of the Terminal. In process of monitoring, the Processing center shall submit the following information to the Bank immediately (through SM3000, contact phone, e-mail, fax, or SMS informing):

• Terminal state: normal, error, printer paper run-out, card “swallowed”, little cash in cassettes remained, cassette filled-in, a note crumpled, etc.;
• Check the state of telecommunications;
• Service mode: normal, supervisory.

When operating through SM3000, operator of the Bank can open and close Terminal and check all modes and states of SST operation. These options depend on the SST model and protocols used.

Service code: 02080020

The batch-mode data exchange between the Bank and the Processing center is exercised through e-mail with built-in protection. The e-mail operation is under the Processing center control. The mail efficiency monitoring is exercised round-the-clock.

Service code: 02080021

The service traffic of packet-switched networks (operation traffic of ATM, self-service Payment Terminals, Point of sale terminal) shall be paid by the Bank.

Service code: 02080021