Issuing

The processing Center provides the Cards personalization for the Bank or other Issuer during 1 business day: mag stripe cards, chip contact/ contactless cards, NFC cards and NFC based rings, bracelets, watches etc.

Service code: 02070000

Given the SM3000 PERSO system license, the Bank can perform cards personalization on its territory independently in remote service mode exercised by the Processing centre.

Service code: 02070001

Prior to the beginning of card issuance procedure, the Bank furnishes the Processing centre with information about the parameters of the Bank in the payment system and the payment system certificate confirming the Bank right to issue payment system’s cards and produce account records (for its own systems).

Apart from that, the Bank and the Processing centre reciprocally furnish each other with the following information prior to the beginning of issuance procedure:

• The Bank submits to the processing centre list of responsible persons of the Bank entitled to sign Applications and card personalization Forms and to create records; the Bank also submits samples of those persons’ signatures and list of authorized persons of the Bank who will submit Applications, forms, and plastic blanks for cards and receive ready-made cards and PIN-envelopes.
• The Processing centre sends to the Bank a list of authorized persons of the Processing centre who will accept Applications, Forms, and plastic pieces for cards and issue ready-made cards and PIN-envelopes to the Bank.

Service code: 02070002

Given the SM3000 system availability in Bank, all information on card personalization and accounting record making is transmitted electronically. It is only plastic that is delivered to the Processing centre, while ready-made cards and PIN envelopes are taken from the Processing centre. Handing over plastic blanks and issuance of ready-made cards and PIN envelopes is exercised in the Processing centre’s premises on working days, at the time coordinated by the Parties in advance.

If cards are personalized on the Bank’s territory through SM3000 system, no plastic is handed over and no ready-made cards are received. PIN envelopes can also be printed either in the Bank or in the Processing centre (at the discretion of the Bank).

If the Bank has no SM3000 system, applications and forms are sent by e-mail, attested with electronic signatures of authorized representatives of the Bank. Only plastic blanks are delivered to, and ready-made cards and PIN envelopes are taken from the Processing centre. If e-mail is used, Applications (Form 0207000002) and Forms (Form 0207000003) are handed over either electronically or by fax. Forms and applications for additional cards are submitted only though Form 0207000001 and Form 0207000002. Plastic blanks are handed over and ready-made cards and PIN envelopes are issued in the Processing centre’s premises on working days, at the time coordinated by the Parties in advance.

Service code: 02070003

An authorized representative of the Bank delivers card blanks to the Processing centre and hands them over to the authorized person of the Processing centre; the fact of handover is certified by the respective entries made into the log books of the Processing centre.

Service code: 02070004

The information necessary for card personalization and the date of its submission to the Processing centre should be stated obligatorily in explanation to Form (Form 0207000004). The text part of the Form (Form 02070000003) should be filled out with printed letters of Latin alphabet.

If the compulsory information necessary for card personalization is missing in the Form submitted by the Bank, the Processing centre shall inform the Bank about the reception of incomplete Form.

Should that be the case, the Bank shall submit to the Processing centre a new form executed as appropriate. The number of the new Form must coincide with that of the old Form.

Service code: 02070005

According to safety requirements and Payment systems-governing Regulations, it is not recommended to carry ready-made cards and the respective PIN envelopes simultaneously.

If PIN generation is made through a phone or ATM, PIN envelopes are not printed and are not subject to transportation.

If the accounting record is used, PIN envelopes are not printed either and are not subject to transportation.

The Processing centre shall not be liable for any consequences which may be entailed by issuing card and the respective PIN envelope simultaneously to one representative of the Bank.

An authorized person of the Processing centre submits ready-made pre-printed cards, PIN- envelopes to them, defective cards (with perforated magnetic strip and a hologram) and unused blank cards (on request of the Bank) to authorized persons of the Bank entitled to receive ready-made cards on behalf of the Bank, PIN-envelopes to them, defective cards and unused blanks as recorded in the logbook of the processing centre. At the same time, an Acceptance Act in two copies is executed (with one copy going to the Bank and the other to the Processing centre).

Service code: 02070006

The Processing centre fulfills orders for card personalization and creation of accounting records within one working day after reception of documents (Applications and Forms) (Form 0207000002, Form 0207000003) duly executed by the Bank, provided the required number of plastic blanks is available in the Processing centre (in case of cards personalization).

Service code: 02070007

According to Regulations, the rejection rate should not exceed 5%. If this rate is exceeded, the Processing center shall pay the damages to the Bank.

Service code: 02070008

The procedure of this service rendering by the Processing center is described separately.

PIN generation can be exercised by Cardholder independently through the web, telephone or ATM.

When issuing a new card, the primary PIN code includes four zeros; the code should be entered by Cardholder of the Bank independently through the web, telephone or ATM.

Service code: 02070009

Within the framework of card personalization and PIN envelope execution services rendered by the Processing centre to the Bank, the Processing centre furnishes the Bank with PIN envelopes. The procedure of rendering this service by the Processing centre is described separately.

Service code: 02070010

The express personalization of cards is performed by the Processing center with the supplements as follows:

• To ensure the express manufacture of cards, the Bank should state in Application (Form 0207000002) the date and the time before which the Processing center must personify the card.
• In that case, the Processing centre must notify the Bank accordingly, after which, the Processing center shall not be liable for failure to perform express personalization of the card.

The express personalization deadline is deemed to be the period of time from the moment of the reception of Application for express personalization by the Processing centre until the moment stated in that Application.

Service code: 02070011

If any PIN envelopes of a format not provided for by the Processing center must be printed, the Bank shall submit the respective Application (in a free format) to the Processing center, with a plea to consider the possibility of rendering such a service. On consideration of the Application, the Processing center shall submit its proposals to the Bank, stating the service rendering terms, – or, informs the Bank if rendering the service is possible.

Service code: 02070012

If any additional information (like an ad for instance) not provided for by the standard procedure of the Processing center has to be transferred onto a PIN envelope, the Bank submits Application (in a free format) to the Processing center with a plea to consider the possibility of rendering that service by the Center. On consideration of the Application, the Processing center shall submit its proposals to the Bank, stating the service rendering terms, – or, informs the Bank if rendering the service is possible.

Service code: 02070013

The Processing center prints a photograph (colored or black-and-white) on the card, acting within the framework of rendering card personalization services to the Bank.

The Bank can submit to the Processing center either a respective file or photo for scanning; alternatively, the Processing center can make photo on its own territory.

Service code: 02070014

If the Bank uses an accounting record for the virtual card or other product without using physical cards, the Bank generates the record independently through SM3000, or by submitting a respective application to the Processing center as for the usual card.

Generation of accounting records is performed by the Processing center in cases as follows:

• If SM3000 system is used in real-time mode;
• On submission of application – within one working day’s time.

Service code: 02070015

All new cards and accounting records produced/generated by the Processing centre are stored in the Processing center database in blocked status. The Bank either blocks out these cards and records independently through SM3000 or submits Application (Form 0207000005A) certified by an authorized person of the Bank.

If a card with the Bank’s prefix (BIN) or an accounting record within the Processing center database must be blocked, the Bank shall submit Application (Form 0207000005) to the Processing center for blocking card/accounting record, certified by authorized person of the Bank. Applications for card blocking are satisfied by the Processing center on the day of their reception.

A card or accounting record may also be blocked through a phone call to round-the-clock authorization and Cardholder support Service of the Processing center. In that case, the holder of the card/accounting record must voice the secret information identifying him (her).

Card or accounting record may be blocked in the Processing center database with the statuses as follows:

• warm card – blocked without giving a reason;
• lost card – lost;
• stolen card – stolen;
• pick-up card – subject to withdrawal;
• delete card – destroyed.

If the Processing center receives an incorrectly completed Application, the Processing center does not satisfy it and shall not be liable for any related consequences. The Processing center shall inform the Bank accordingly by fax or phone within one working day’s time after the reception of the incorrectly completed application.

Service code: 02070016

If a card with the Bank’s prefix (BIN/IIN) or an accounting record within the Processing center database must be unblocked, the Bank shall either unblock it through SM3000 or submit Application (Form 0207000006) to the Processing center for unblocking card/accounting record, certified by authorized person of the Bank. Applications for card blocking are satisfied by the Processing center on the day of their reception.

If the Processing center receives an incorrectly completed Application, the Processing center does not satisfy it and shall not be liable for any related consequences. In that case, the Processing center shall inform the Bank accordingly by fax or phone within one working day’s time after the reception of the incorrectly completed application.

Service code: 02070017

If a card with the Bank’s prefix (BIN/ IIN) must be entered into the International exception file of International payment systems, the Bank shall submit a corresponding application (Form 0207000007) to the Processing center; the Application must be certified by a responsible person of the Bank. Applications for entering cards into the International exception file are satisfied by the Processing center on the day of their reception.

If the Processing center receives an incorrectly completed Application, the Processing center does not satisfy it and shall not be liable for any related consequences. In that case, the Processing center shall inform the Bank accordingly by fax or phone within one working day’s time after the reception of the incorrectly completed application.

Service code: 02070018

If a card with the Bank’s prefix (BIN/ IIN) must be removed from the International exception file of International payment systems, the Bank shall fax a corresponding application (Form 0207000008) to the Processing center; the Application must be certified by a responsible person of the Bank. Applications for cards removal from the International exception file are satisfied by the Processing center on the day of their reception only on working days and only provided they have been filled out by the Bank correctly.

If the Processing center receives an incorrectly completed Application, the Processing center does not satisfy it and shall not be liable for any related consequences. In that case, the Processing center shall inform the Bank accordingly by fax or phone within one working day’s time after the reception of the incorrectly completed application.

Service code: 02070019

As may be necessary, the Processing center may ensure round-the-clock reception of pleas for an urgent blocking of card with the Bank prefix (BIN/ IIN) or an accounting record in the Processing center database, or, for an urgent entry of card into the International exception file of International payment systems; the reception is exercised seven days a week through the telephones of Round-the-clock authorization and Processing center support Service. Urgency in this context means the immediate execution of this operation.

In that case:

• The Bank authorizes the Processing center to block urgently a card or accounting record stored in the Processing center database and/or enter a card urgently into the International exception file of international payment systems, if authorized representatives of the Bank have applied to the Processing center accordingly by phone (the Bank should submit list of those persons to the Processing center separately), – or, if a private person has applied to the Processing center on behalf or by order of the Holder of card/accounting record,
• The Processing center guarantees to block a card and/or accounting record stored in the Processing center database only if an authorized representative of the Bank or Holder of the card/accounting record has applied to the Processing center accordingly with the identification of secret parameters of the card and/or the card entrance into the International exception file of international payment systems only if authorized representatives of the Bank have applied to the Processing center.
• The Processing center shall not be liable for reliability of information advised by phone and shall not accept any claims related to the procedure of blocking a card/accounting record stored in the Processing center database, based on the application made by phone.
• On finishing the procedure of a fast blocking of card and/or accounting record kept in the Processing center database and/or fast entry of card into the International exception file based on the respective telephone application from authorized representative of the Bank or a private person, the Processing center shall inform the Bank about the actions performed (Form 0207000009) (lost/stolen card report/compromised accounting record report) not later than the working day following the operation.
• On entering the card into the International exception file of international payment systems, the Processing center shall confirm execution of that operation to the Bank.

Service code: 02070020

The Processing center carries out the following operations on a regular basis: retaining, updating, and archiving data on the Bank BIN/ IIN-range cards, accounting records, and supporting the Processing center-operated software and equipment, that is necessary for the banking cards and account records database maintenance.

Service code: 02070021

When SM3000 system is used, the Bank changes Form data independently, based on card/accounting record.

If SM3000 system is missing and any information stated by the Bank in Card personification Form should be changed or an accounting record needs to be established, the Bank shall submit the corresponding application (in a free format) to the Processing center; the Application is subsequently satisfied by the Processing center within 2 working days. Changing the operation scheme of the card personification Form (from credit to debit scheme and vice versa) shall also be deemed a change in the card personification Form.

Service code: 02070022

When SM3000 system is used, the Bank changes the card-based Form data independently.

If SM3000 is missing and it is necessary to change the day limit based on card with the Bank BIN/ IIN (with respect to card or accounting record with debit or credit scheme), the Bank shall submit to the Processing center a duly completed Application (Form 0207000010) for changing the day limit, filled out and certified by authorized person of the Bank; the application is then satisfied by the Processing center within the following working day.

If the Application is executed incorrectly, or for any other reasons rendering the Application satisfaction impossible, the Processing center shall inform the Bank accordingly within the following working day after receiving the Application, stating the reasons for failure to satisfy the Application.

Service code: 02070023

When SM3000 system is used, the Bank changes card-based personal data independently.

If SM3000 system is missing and the monthly limit of credit has to be changed based on card/accounting record (with credit scheme), the Bank shall submit to the Processing center a duly completed Application (Form 0207000010) for changing the day limit; the Application shall be filled out and certified by authorized person of the Bank; the application is then satisfied by the Processing center within the following working day after the Application is received.

If the Application is executed incorrectly, or for any other reasons rendering the Application satisfaction impossible, the Processing center shall inform the Bank accordingly within the following working day after receiving the Application, stating the reasons for failure to satisfy the Application.

Service code: 02070024

When SM3000 system is used, the Bank changes personal data independently based on card.

If SM3000 system is missing and the accessible balance has to be changed based on card/ accounting record (with the credit and debit scheme of operation), the Bank shall submit to the Processing center a duly completed Application (Form 0207000010) for changing the day limit, filled out and certified by authorized person of the Bank; the application is then satisfied by the Processing center within the following working day after the Application is received.

If the Application is executed incorrectly, or for any other reasons rendering the Application satisfaction impossible, the Processing center shall inform the Bank accordingly within the following working day after receiving the Application, stating the reasons for failure to satisfy the Application.

Service code: 02070025

The processing center performs automatic processing of authorization requests coming from payment systems and terminal devices of the Bank including mobile phones of Cardholder and Acquirer companies operating through the Processing center – based on Bank BIN/ IIN-range cards/ accounting records of the Bank.

The processing result is changes of accessible balances based on cards/ accounting records, and record of authorization requests data into the Processing center database. The Bank acknowledges authorization report issued by the Processing center as a document confirming the completion of authorization based on Bank BIN/ IIN-range cards/accounting records of the Bank.

Service code: 02070026

If no authorization requests are processed in primary authorization mode, the Processing center carries out processing of authorization requests based on cards and telex/ SWIFT, depending on the region and licenses.

The Processing center performs telex/ SWIFT-based processing of authorization requests coming from Acquirer Companies, based on the Bank’s BIN-range cards. For that purpose, there exist two dedicated Merchants in the Processing center database (for manual cash and purchase-like transactions), on behalf of which, authorizations in the Processing centre base are accomplished.

As a result or the processing, the accessible card-based balances are changed and authorization request data is entered into the Processing center database.

Service code: 02070027