home Ladder Void on the back of the card. Bank plastic cards. ACT of card withdrawal

Void on the back of the card. Bank plastic cards. ACT of card withdrawal

1. Bank card identification:

1.1. Identify the Bank card presented for payment (hereinafter also referred to as the "card"), perform an external examination of the card in order to determine its authenticity and validity.
1.2. Do not service cards that have not yet expired or have not yet expired (the expiration date of the card is indicated on its front side). The validity period of the card reflects the start date of the card and the date of its expiration (for example, 07/00 07/02). Sometimes the validity period of the card may contain only the date of its expiration. The start and end dates of the card validity period are located below the number embossed (embossed 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 inclusive on the last day of the month indicated on it (in the example: - until 24:00 inclusive on 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 its 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". Such cards must be accepted for payment.
1.4. Determine by the logo that the Holder's card belongs to one of the serviced 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 counterfeiting 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 reverse side of the card and that there are no signs of forgery of the signature strip itself. In case an attempt was made to change the signature on the panel, the word "VOID" (invalid) will appear on the panel. If the signature on the signature strip differs from the signature on the slip/check, be sure to ask the Holder to sign again or present an identity document, the details of which must be entered on the slip or on the front side of the terminal check. If there is no signature on the back of the card, invite the Holder to sign the card and present an identity document containing a sample of his signature. The card can be accepted for payment only if both signatures match, otherwise it can be withdrawn.
2.3. Having determined that 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
- "VISA" logo in the form of a tricolor flag (blue, white, gold): "VISA" is written on the white stripe.
- 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, microprinting of the code and BIN of the bank (bank identification number) of the card issuer is applied;
- a hologram (volumetric image) in the form of a flying dove, pressed into plastic; when the card is turned, the dove "flaps its wings";
- on the front side there may be a contact group (so-called chip or smart card) located above the first four digits of the card number;
- VISA card number starting with "4" and consisting of 16 or 13 digits: "4ХХХ ХХХХ XXXX ХХХХ" or "4ХХХ XXX XXX XXX" while the last group of digits must be in the hologram field;
- the first four digits of the embossed card number must match the four digits of the bank's BIN, printed in a typographical way, under the card number;
- the validity period of the card can be embossed starting and ending, for example, 10/96 - 10/98, or only the end, for example, 10/98; the card can be issued for a period of 1 month, 1 year, 2 years and 3 years;
- after the expiration date of the card, there must be a special security symbol "V", embossed on the card in a special font "flying italic" (with an inclination to the right side);
- an image of a flying dove in the center of the map, visible in ultraviolet light (purple or red glow);
- personal data of the Cardholder (name, surname) are applied by embossing;
- there may be a photo of the cardholder and / or a photocopy of his signature (see picture).

A card with the owner's photo and a photocopy of his signature on the front.

On the reverse side
- a magnetic strip soldered into plastic, not glued;
- if there is a contact group (chip or smart card), the signature strip should not go into the area where the contact group is located;
- on the signature panel there must be a distinct (not worn, not smeared) signature of the Cardholder;
- on the signature panel, the slanted text 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 an inclination to the left;
- there may be a photo of the cardholder and / or a photocopy of his signature.

ATTENTION!!! Since 01.01.2006 new design VISA cards have been put into circulation.
The following changes have been made for VISA cards of the new design:

on the front side

A hologram with the image of a flying dove - on the right side of the Card above (or below) the VISA logo, may or may not be present on new-type Cards (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 embossed under the Card number. It may include a start and end date.
- The Card Number starts with the number "4".
- The new VISA logo can be located in the lower right, upper right and upper left corner.
- There is an ultraviolet element on the logo - the image of the letter V (in the same format as on the logo).
- In the event that the information on the Card is not embossed, but printed, there must be a note "electronic use only" on the front side (only for use in a POS-terminal).

On the reverse side:

The three-digit CVV2 code can be located both on the holder's signature strip and on a separate field located immediately after the signature strip.
- The Cardholder's signature strip contains an ultraviolet element - the repeated word VISA (there are no VISA typographical inscriptions, a number of stripes are applied).
- The magnetic strip can be standard, it can be holographic (with the image of a flying dove).
- The three-digit CVV2 code and the Card number on the Cardholder's signature strip are printed in left-slanted italics.
- Chip VISA Cards of the new sample can have a vertical arrangement of information.

Application

INSTRUCTIONS

VISA, VISA Electron, Eurocard/MasterCard, Maestro,

Diners Club and American Express

1. BASIC PROVISIONS.

Carefully check the cards in accordance with Section 2 of these instructions;

In the presence of the client, destroy incorrectly designed or damaged trade slips by tearing them in half;

Cancel the transaction if the client's signature on the check does not match the signature on the card and the client does not have identification documents with him;

Carefully check the data indicated on the check of the electronic terminal with the data indicated on the front side of the card.

1.10. When conducting transactions using bank cards, an employee of a trade enterprise HAS THE RIGHT TO:

Refuse to conduct a transaction using a card if an employee of the enterprise finds it difficult to identify the payment system to which the card belongs.

2. DETERMINATION OF THE AUTHENTICITY OF BANK CARDS.

2.1. Before making transactions using bank cards, make sure that there are no signs of counterfeit bank cards, namely:

Absence of cuts, holes, abrasions, melted areas, cracks, scratches on the magnetic strip, extraneous stickers on the card;

The edge of the card is white;

The signature panel on the back of the card has no external damage, scuffs or erasures. There is no “VOID” inscription on the signature panel, which appears when trying to change the signature;

The client's signature is clearly visible;

The card number is clearly visible, there are no traces of cuts or re-gluing of numbers;

If the card provides for the location of the photo, you must use it to make sure that the card really belongs to the person who presented it.

2.2. Make sure that the validity period of the card, indicated on its front side, has already come and / or has not yet expired at the time of the transaction. The expiration date is indicated under the card number and represents either the start date and expiration date of the card, or only the expiration date of the card. To indicate the validity period, the numerical designations of the month and year are used, separated by a hyphen or “/ ” (the card is valid from 00:00 on the first day of the month and year of the beginning of the validity period and is valid until 24:00 of the last day of the month and year of the expiration date). If the validity of the card does not start on the first day of the month, the date is indicated in the form “date” (numbers) - “month” (letters) - “year” (numbers). The table below shows the valid card expiration formats.

The inscription on the map	Russian translation	Date format
		YYYY or YY
	PARTICIPANT C	YYYY or YY
	VALIDITY	MM/YY or MM/DD/YY
VALID FIRST DAY OF	ACTIVE WITH
	VALID WITH	MM/YY or MM/DD/YY
	EXPIRY DATE
	VALID UNTIL
	VALID UNTIL
GOOD THRU LAST DAY OF	END OF ACTION

Expired or unexpired cards should not be accepted for payment.

2.3. Make sure that the card meets the standards of payment systems according to the table below:

Eurocard/MasterCard cards

At the top front side The card contains the name of the issuer (the bank or financial company that issued the card) and/or their emblem.

On the right side of the card is the MasterCard logo in the form of two intersecting circles in red and yellow (or both black) with the inscription “MasterCard”. European bank cards may also have the Eurocard logo, in the form of a stylized inscription above the MasterCard logo. The Eurocard logo can only be combined with the MasterCard logo.

The card has a hologram of two alternative designs:

1) the first design represents two intersecting earth hemispheres with the image of the continents and the meridian grid. When the map is rotated, in the rays of light, the meridian grid becomes three-dimensional. In ultraviolet light, the letters “MC” should be visible on the hologram, this design is made on cards made before January 1, 1997;

2) the second design has the following differences compared to the first one: there is no meridian grid; the outlines of the intersecting earth hemispheres with the image of the continents are highlighted; the background along the edges of the hologram contains the inscription “MasterCard” in two alternating colors; the intersecting rings are filled with micro-engraved repeating letters “MC”, visible only at 5x magnification.

The card has embossed (embossed) information in several lines. The first line embossed a number that Always starts with the number “5” and consists of 16 digits grouped in 4 groups of 4 digits with one spacing between each group (5XXX XXXX XXXX XXXX). The last three or four digits of the number are embossed on the hologram. The second line contains the following information (from left to right):

An embossed or printed four-digit number in small print directly below the embossed card number (BIN of the issuing bank), must always match the first four digits of the card number;

Abbreviated name of the issuing bank (possible, but not required);

Card expiry date.

MasterCard security symbol in the form of combined letters made in a special format “ MC ”.

In ultraviolet light, the letter M is displayed on the front side of the card in the lower left corner, and the letter C is displayed in the lower right corner near the hologram

On the reverse side cards must be:

Magnetic stripe for electronic payments, located at the top of the card.

Signature panel. The position of the client's signature panel should not coincide with the information embossed on the front side of the card and with the magnetic stripe. The signature panel should contain the following distinguishing features:

The panel shall bear the slanted repeating inscription “MasterCard” in red, blue and yellow.

The signature panel is designed in such a way that any attempt to erase or destroy the signature will damage the panel and the inscription “MasterCard”. Therefore, it is necessary to check the integrity of the panel and the presence of the inscription “MasterCard”.

The panel must be marked with: the last four digits of the card number (or the full sixteen-digit card number - four groups of four digits) and a three-digit card validity code. The card number and card validity code must be completely on the signature panel.

The card issuer identification must contain the following information:

The number of the bank or the company - the issuer that ordered the card, made in the format "ICA хххх".

Month and year when the plastic order was placed.

The company is a plastic manufacturer.

The card may also contain information about the bank or the company - the issuer or the Customer Service. The location of this information is not regulated.

old design

(until 1997)

New design

Maestro cards

At the top of the front side of the card is the name of the issuer (the bank or financial company that issued the card) and / or their emblem.

On the right side of the card is the Maestro Logo, which consists of two intersecting circles with the inscription “Maestro”. Circles can be blue and red or both black. The logo can be applied both on the front and on the back of the cards. The map may have a hologram representing two intersecting earth hemispheres with the image of the continents and a meridian grid. When the map is rotated, in the rays of light, the meridian grid becomes three-dimensional. The hologram is an optional design element.

Other information printed on the front side of the card is identical to the information printed on Eurocard/MasterCard cards. If the Cirrus/Maestro card is combined with another payment system, the card number may begin with the number 6. On some cards, only the first four and last four digits of the number are imprinted for security. In most cases, the number on the cards is applied by laser or printed in such a way as to exclude the possibility of obtaining an imprint of the card on the imprinter.

On reverse side cards can be marked with the Cirrus logos (two intersecting circles of blue and light blue with the inscription “Cirrus” in the center) and EC (EuroCheque - the image of the letters EC, the card holder icon and the electronic keyboard). The signature panel must have an oblique repeating inscription " Maestro " .

Cirrus/Maestro cards can only be accepted for payment at outlets equipped with an electronic terminal (POS-terminal).

VISA cards

On front side card at the top of the card is the name of the issuer (the bank or financial company that issued the card) and / or their emblem. On the right side (in the upper or lower corner) there must be a trademark (VISA on a blue-white-gold background), around which microprinting is applied in the form of a continuous frame. The card has a hologram depicting a flying dove. When the card is turned, in the rays of light, the dove "moves" its wings. If the image does not change when the card is rotated or the dove is not visible, this means that the card is fake.

The card has embossed (embossed) information in several lines:

The first line embossed a number, which consists of 13 or 16 digits and always starts with “4”. The digits of the number can be grouped as follows: for a 13-digit number 4XXX XXX XXX XXX; for 16 digit number 4XXX XXXX XXXX XXXX. Above or below the embossed number, four digits are typographically printed, coinciding with the first four digits of the card number. If they do not match or are missing, then the card may be fake. The last three or four digits of the number must be embossed on the hologram.

The second line contains the expiration date of the card and the VISA security symbol - the embossed letter “ V ” . The security symbol is applied to the right of the card expiration date. On Classic, Businesses, or Premier(Gold) produced prior to 1997, this security symbol may look like this: “ CV ”, ”BV " or " PV " respectively. Without the letter " V ” in one of these options, the card is invalid.

The third and fourth lines are used for the surname of the cardholder and service information for corporate clients (name of the company, bank, etc.). If the name of the company is on the third line, the cardholder's name must be embossed on the fourth and vice versa.

In ultraviolet light, the image of a dove appears in the center of the front of the card.

On reverse side cards must be: a magnetic stripe for electronic payments, located at the top of the card, a signature panel and additional information about the issuing bank. The position of the signature panel should not coincide with the information embossed on the front side of the card and with the magnetic stripe. On some cards, a scanned signature of the client is placed on the front side, which can be considered as an exemplary one.

The signature panel should contain the following distinguishing features:

The panel should be smooth without any signs of distortion or forgery. AUTHORISED SIGNATURE must be printed above, below, next to or on the strip itself.

The panel shall bear the slanted repeating inscription “VISA”.

The card number and the three-digit card validity code must be printed on the panel. The card number and card validity code must be completely on the signature panel

The card issuer identification located below the signature panel must contain the following information:

The name of the bank or company that issued the card.

The card may also contain information about the bank or the company - the issuer or the Customer Service Service. The location of this information is not regulated.

VISA Electron cards

On front side card is located the Electron logo. It is a symbolic image of a comet (yellow) on a blue background. The inscription “VISA” is located above the comet, the inscription Electron is placed below the comet. The image is enclosed in a rectangular frame. The presence of a hologram with a dove is an optional design element of VISA Electron cards. On the front side there is an inscription “Electronic use only”, which means that this payment product can be used with authorization only through electronic terminals (POS terminals). The card number, expiration date and customer name are lasered or printed, not stamped. Under the card number must be the card issuing bank identification number (BIN), which must match the first four digits of the card number. The VISA Electron card number starts with 4 and consists of 16 digits. It is allowed to put on the card only the first four and last four digits of the card number.

The signature panel can be placed on the front or back of the card. The slanted signature panel is printed with ELECTRON in blue, red and yellow.

At the top of the reverse side of the card is a magnetic strip soldered into the plastic. At the bottom of the reverse side of the card, the PLUS logo can be applied, which is a regular rhombus inscribed in a rectangle. In the lower corner of the diamond is the inscription PLUS.

Diners Club Cards

On front side The cards bear the Diners Club logo, which is located in the upper left corner. On the right side of the logo is the inscription Diners Club International with the symbol â. It is allowed to put in the upper left corner of the card the name and logo of the bank distributing the cards or the partner company. The color of the card is silver with gray wavy lines. On the gray background of the map is a darkened background of the map of the world. The card number is embossed (embossed) and always starts with 36, 38, 30 or 39. The card number consists of 14 digits grouped 4-6-4, for example 30XX XXXXXX XXX. The name of the cardholder is embossed on the second line. In the lower part of the card are applied by embossing (from left to right): 2 digits of the year the holder joined the club; abbreviation "DC"; two Latin letters of the code of the country in which the card was issued; validity period of the card (the initial and final validity periods are always indicated); DC symbol in a circle. Above the DC symbol, a 2-letter security code is typographically applied.

On reverse side The card has a magnetic strip, a signature strip, in the lower part of which the card number and 3 digits of the security code are laser-etched. The inscription "Valid Woldwide" or "Valid only in Russia" must be present. The hologram does not fall below the DC value and the validity period - strictly in this band, neither lower nor higher. The hologram panel has a DC symbol and a world map, and against the iridescent colors of the world map, the inscription "Diners Club International" appears, which should not go beyond the background of the map.

American Express Cards

The card number is printed on the front side of the card, which always starts with 37 and has 15 digits grouped 4-6-5 (for example, 37XX XXXXXX XXXXX), the card validity period always indicates the initial and final (cards are issued for 2-3 years). After the expiration date, the year of joining AmEx and the letters A.X. or O.C.

On personal and corporate cards, a four-digit numeric code (batch code) is applied to the right above the card number. On Optima cards, the code is printed on the left above the card number. On cards of all kinds, a Roman warrior is depicted. On personal cards, the image of a Roman soldier is located in the center of the card, on corporate cards in the upper left corner. On Optima cards, the image of a warrior occupies the entire right side of the card. In ultraviolet light, the map shows: on the left, the letters AM; in the middle is an image of a Roman soldier; on the right the letters EX

The back of the card has a magnetic stripe, a signature panel, the AmEx logo and Made in U. S.A. Under the signature panel, there is a laser card number.

Cards that do not meet the above requirements are not subject to service, about which the employee of the enterprise is obliged to notify the card holder, indicating the reason for the refusal.

2.4. Fake cards of international payment systems have the following distinguishing features:

The hologram shimmers with all the colors of the rainbow, but the volume of the image is missing. The background of the hologram is dim and the image is fuzzy. The hologram peels off, lifts up and gives a thickening when pressed on it;

The laminating film peels off at the edges of the card, in the area of the hologram, or does not adhere tightly to the plastic at the place where the card number is embossed;

The microprinting around the VISA logo is almost unreadable and easily erased from the card;

The four-digit number printed on the front of the VISA and Eurocard/MasterCard cards does not match the first four digits of the card number, or it matches, but is easily erased from the card;

In ultraviolet light, there are no protective images, or they are blurry and the card itself glows;

The end of the card is dark;

The signature panel is sealed with plain paper and can be easily peeled off. On the signature panel, the protective background in the form of the inscription “Mastercard” (for Eurocard/MasterCard cards), “VISA” (for VISA cards), “Maestro” (for Cirrus/Maestro cards) is missing or erased;

On the signature panel, the inscription “VOID” is visible;

The cardholder's signature is missing on the signature panel;

The magnetic stripe is stuck to the surface of the card, protrudes above the surface of the card, or peels off at the edges.

If a card is presented with one of the listed signs, the card is not subject to service.

3. PROCEDURE FOR CARRYING OUT OPERATIONS USING THE CARDS.

3.1. When, if the point of sale is equipped with an electronic terminal (POS terminal),

Make sure that the passport data and the signature in the passport correspond to the client's data printed on the card and the signature on the back of the card, and the passport belongs to the bearer.

Swipe the customer's card through the card's magnetic stripe reader;

Enter the amount of the operation on the main keyboard of the electronic terminal in accordance with the "Instructions for using the electronic terminal" (attached separately to a specific model of the electronic terminal);

If the operation is allowed, then after a while the terminal will print a double check (one copy - enterprises, the second copy - the buyer) indicating the amount of the operation, the client's card number, the date of the operation and the confirmation code

Check the number and validity period of the card with the data indicated on the receipt of the electronic terminal. If the card number printed on the front side of the card does not match the card number indicated on the check, cancel the last transaction in accordance with the Instructions for Using the Electronic Terminal, refuse the client to carry out the transaction and, if possible, withdraw the card;

Enter the client's passport data (last name, first name, patronymic, type of document, series and document number) on the back of the check;

Sign both copies of the check of the electronic terminal and ask the cardholder to sign;

Verify the signature of the card holder on the check of the electronic terminal with the signature on the card. If the signatures do not match, ask the client to sign again next to the first signature; if the second signature does not match, refuse the client to pay with the card and cancel the last operation in accordance with the Instructions for Using the Electronic Terminal;

Return the card and a copy of the check to the client.

3.2. When, if the point of sale is equipped with an imprinter, when accepting a card as payment for goods or services, an employee of the enterprise must perform the following actions strictly in the order indicated below:

Determine whether the card belongs to one of the payment systems specified in Appendix No. 3 to the Agreement on the sale of goods (services) using bank cards;

Check the identity document of the client.

For citizens of the Russian Federation, an identity document is a general civil passport of a citizen of the Russian Federation, a foreign passport, an identity card of a serviceman, a military ID (only for military personnel). For foreign citizens, a national passport or residence permit. It is allowed to accept from citizens of the states - the former republics of the USSR as an identity document, a passport issued on the form of a USSR passport.

Make sure that the passport data and the signature in the passport match the client data on the card and the signature on the back of the card, and the passport belongs to the bearer

Inspect the card, verify its authenticity, in accordance with Section 2 of this Instruction;

Insert the card into the imprinter face up, put a slip on top, “roll” it with two movements of the movable block of the imprinter.

You should make sure that the relief information from the map and from the imprinter's cliche was clearly transferred to all copies of the slip. Otherwise, it is necessary to destroy the slip in the presence of the client and issue a new one. If after three attempts it is not possible to receive a slip with full information about the card, it is necessary to refuse service to the client;

Legibly fill in the following columns on the slip with a ballpoint pen:

· Mark the type of serviced card;

“FIRST FOUR DIGITS OF PRINTED ACC N” - the first four digits of the card number

· "Date"/"Date" (date of payment);

· "Total"/"Total" (amount of purchase or service);

· "Currency"/"Currency" (allowed only in Russian rubles - currency code RUR);

· "Cardholder`s ident."

Get the cardholder's signature in the "Cardholder`s signature"/"Customer's signature" column and compare it with the signature on the back of the card. If the signatures do not match, refuse the client to pay by card and destroy the completed slip.

Sign the slip in the column "Cashier" / "Cashier".

Carry out voice authorization. When using voice authorization, it is recommended to use the information from the completed slip. If an employee of the enterprise leaves his workplace for authorization, he must place the card in the cash drawer of the cash register. To perform voice authorization, you must perform the following steps:

· Further, at the request of the operator, clearly state the following information: card number embossed in large numbers on the front side of the card; surname and name of the cardholder (at the request of the operator); card expiry date; the amount of the transaction and the type of currency in which the transaction is made;

Depending on the response of the operator, perform the following actions:

		"Remove card"
	It is necessary to refuse to make this purchase by returning the card to its holder and destroying the completed slip in his presence.	If the operator has received an instruction to "withdraw the card", then the employee of the enterprise must act in accordance with the recommendations set forth in Section 4 of this Instruction.
Give the cardholder their copy of the trading slip ("Customer copy"/ "Cardholder") and the card itself.	For all clarifications about the reasons for refusal, the cardholder should contact the bank or company that issued the card. Only the issuer can tell the cardholder the reason for the denial.	For all clarifications about the reasons for the withdrawal of the card, the Cardholder should contact the bank or company that issued Map. Only the issuer can inform the cardholder of the reason for the withdrawal of the card.
If the client asks for another authorization for a smaller amount, then it is necessary to check the identity document (if it was not presented earlier), fill out the slip in accordance with clause 3.2. for the amount specified by the cardholder and perform voice authorization. If the operator repeatedly refuses to perform the operation (“Authorization is not allowed”), it is necessary to destroy the completed slip, return the card to its holder and offer to pay in cash.

Trading slips with corrections are considered invalid and are not subject to payment. If mistakes were made when filling out the trading slip, it is necessary to destroy the incorrectly designed slip and issue a new slip. If errors in the execution of the trade slip were discovered after the buyer left, it is necessary to send this slip to the Bank without making any changes to it, attaching a cover letter to the trade slip explaining the reasons for the erroneous filling.

Only the third copy of the trading slip is accepted for payment - a copy of the Bank (“Bank Copy”/“Bank”).

If the client agrees to wait, inform the operator of the Authorization Center the following data:

Cardholder's name embossed or printed on the front of the card;

The name of the bank or company whose logo is printed on the front side of the card at the top of the card.

The issuer may request other additional data (for example, the passport number or year of birth of the cardholder), so the client should not leave the point of service during the communication session with his bank or company.

Tell the operator the phone number of your settlement point, to which you should report the answer received from the issuer (or say that you will call back after the specified time, asking for the operator's number).

· If the customer refuses to wait, inform the customer that authorization has been denied and offer to pay in cash. To find out the reason for the refusal, recommend that the client contact the issuer.

3.4. In the event that the client refused the purchase or the authorization was made erroneously (the amount of the operation was incorrectly indicated, etc.), the employee of the enterprise can canceling the last transaction using an electronic terminal according to the Instructions for Using an Electronic Terminal. If the point of sale is not equipped with an electronic terminal or it is impossible to cancel the last transaction on a specific terminal, the transaction cancellation operation is performed in accordance with clause 3.5. of this Instruction.

3.5. In accordance with the “Law on the Protection of Consumer Rights”, the client has the right to return the purchased product or demand its replacement with a similar one. In this case, the relationship between the seller and the buyer is regulated only by the specified Law.

Return procedure depends on the conditions of its implementation:

3.5.1. When replacing a product with a similar one (without changing the price), an additional trade slip is not required.

3.5.2. When replacing a product with a more expensive one, it is necessary to fill in a slip for the amount of the difference in cost and carry out voice authorization in accordance with clause 3.2 of these Instructions or conduct electronic authorization for the difference in price. At the same time, on the slip (to the left of the print of the cliché and the client’s card) write “Exchange of goods with a surcharge”.

3.5.3. When replacing the goods with a cheaper one or when the buyer returns the goods without replacement, it is necessary to issue a credit slip for the return (either for the difference in the cost of the goods, or for the full cost of the returned goods).

3.5.4. To complete the RETURN operation, the client is obliged to present the card used to make the purchase, and the trade slip or a copy of the receipt of the electronic terminal issued during the purchase (payment for the service). Before issuing a refund, an employee of the enterprise must verify the card number with the number indicated on the trading slip or receipt of the electronic terminal presented by the client. It is allowed to issue a credit slip for a refund only on the customer's card with which the purchase was made.

To apply for a refund slip, an employee of the enterprise must:

a) "roll" a new trading slip by inserting the client's card into the imprinter;

In the case of issuing a credit slip for a return using an electronic card, if the electronic terminal installed in the trade enterprise does not allow the return operation, it is necessary to roll the slip on an imprinter (to obtain a cliché print) and manually transfer the data from the card to the slip (card number and expiration date, holder's name).

b) issue this trading slip by filling it out as follows:

· in the column "Date"/"Date" indicate the date of registration of the return;

· in the column "Total"/"Total" put down the amount of the returned goods;

· in the column "Currency"/"Currency" put down the type of currency, which must match the currency of the purchase;

· in the column "Cardholder`s ident." / "Customer identification card" enter the client's passport data;

· to sign in the column for the seller's signature ("Cashier"/"Cashier");

· the buyer signs in the column "Cardholder`s signature"/"Customer's signature";

· on the slip to the left of the imprint of the cliché and the customer card, you must indicate the reason for the return of the goods (“Return of goods”, “Exchange of goods”, etc.), and a brief description of the return (“Full refund”, “Partial refund”).

· on the third copy of the trading slip sent to the Bank (“Instance of the Bank”/“Bank”) write in the lower free field: for which transaction the return is being made (indicate the date of purchase and the authorization code received when making this payment - the data is transferred from the trading slip submitted by the cardholder);

c) transfer to the cardholder a copy of the trading slip submitted by him, the purchase return slip and return the card.

In case of issuing a refund slip, you must immediately transfer the credit slip to CB "EAST BRIDGE BANK".

4. WITHDRAWAL OF THE CARD.

4.1. The Eurocard/MasterCard or VISA card is subject to unconditional withdrawal in the following cases:

For VISA cards - the four digits printed above the card number do not match the first digits of the embossed number or are missing;

4.2. Try to withdraw the card if the card has signs of obvious forgery listed in clause 2.4 of these Instructions or the client is very nervous, signs hesitantly, trying to forge a signature. To do this, try to be calm and polite, issue a trading slip as usual in accordance with clause 3.2, ask the client for documents proving his identity, enter the document data in the slip, ask the client to sign on the slip, when performing voice authorization, tell the operator “Perform authorization CODE 10”, then follow the instructions of the operator, try to answer questions only “yes” or “no”.

4.3. If the operator has received an instruction to withdraw the card or the message “REMOVE CARD” appears on the display of the electronic terminal, then:

Try to remain calm and polite;

Tell the customer that you have been instructed to hold the card and advise the cardholder to contact their bank for an explanation;

If possible, the card should be seized by reasonable means. If there are threats from the cardholder, return the card to him;

If you managed to remove the card, to avoid its further use, cut the card to length under the embossed card number, without affecting the magnetic stripe, hologram, microchip (if any) and card number. If the card is fake or altered, these elements may become evidence;

Fill out the "Act of Withdrawal of the Card" (Appendix to this Instruction) in two copies. Both copies must be signed by the client. One copy of the act is transferred to the cardholder

Regardless of whether you were able to withdraw the card or not, you must call the Authorization Center or the Call Center for further instructions. For the withdrawal of the card, the employee of the Company receives a reward equivalent to 25 US dollars on VISA and Eurocard/MasterCard cards .

5. PROCEDURE FOR CARDS LEFT AT A SERVICE POINT

If a cardholder has forgotten their card at a service point, the following requirements must be met:

The card must be kept for 48 hours in a safe place.

If during this time the loss of the card is declared, it can be transferred only after determining the ownership of the card by the applicant (comparing his signature in the passport with the signature on the card, if there is a photograph - identification).

If the card is not claimed within 48 hours, the card is transferred to CB "EAST BRIDGE BANK" with a cover letter.

6. REPORTING.

6.1. For enterprises equipped with electronic terminals at the end of the day, no later than 20-00 hours Moscow time, it is necessary to perform the operation "Closing the day" ("Closing the terminal"). If transactions were carried out during the day, the terminal will print the final check. A copy of the final check must be submitted to CB "EAST BRIDGE BANK" no later than 14:00 on the next working day. At least 1 (one) time per month, send to CB "EAST BRIDGE BANK" copies of the final checks and checks of the electronic terminal, certified by the signatures of authorized persons of the enterprise and the seal of the enterprise.

6.2. For businesses equipped with an imprinter, it is necessary not later than 7 (seven) calendar days from the date of the transaction, issue the final slip for collection to the bank. For each type of card (VISA or Eurocard/MasterCard), as well as for the return credit slip, separate final slips are filled in with the corresponding trading slips attached to it. Credit slips must be collected on the day of the transaction.

To complete the final slip, you must:

Fill in the following columns in the final slip:

· "Day/Month/Year" - the date of the slip collection day is entered;

· "Number of slips" (indicate the total number of attached trading slips for the corresponding type of cards and/or currency);

· "Total amount for slips" (attached to this final slip);

· "Type of currency";

· "Signature of the responsible person";

Roll the final slip on the imprinter;

Attach only third copies of trading slips (“Bank copy”/“Bank”) to the final slip.

In the case of issuing a final slip for return transactions, it is necessary to indicate “Refund” in the “Total amount for slips” column.

Transfer of money to the account of the trading company is carried out on the basis of the final slip. If among the trading slips collected for one final slip there is a slip issued with violations of the Instructions or with errors, the transfer of the entire amount of the final slip will be delayed until the reasons for the incorrect registration of the trading slip are clarified.

In case of incorrect registration of the final slip (the collected trading slips are not divided by card type, by type of currency, the total amount by slips is incorrectly indicated, etc.), it is necessary to issue a new final slip and transfer them to CB EAST BRIDGE BANK. On the final slip in the upper left corner, write “Reissued”.

3.3. Certificates of withdrawal of cards together with the withdrawn cards must be submitted to CB "EAST BRIDGE BANK" no later than the next business day from the date of withdrawal of the card.

7. CHECK THE CARD.

7.1. Before making a slip on the card, you need to check:

§ textured view of the map;

§ card expiry date;

§ presence of the client's signature.

Regardless of the amount of the transaction, the cashier should ask the client to present an identity document (passport, identity card) and enter the data of the document on the slip.

When servicing the card on an imprinter, you need to request a transaction confirmation code at the authorization center.

When requesting a code, you must state the company's plate number, card number, its validity period and the amount in rubles. It is imperative to know the commands that can be given to you:

§ “Your code is ....”. The code dictated by the operator must be accurately and accurately recorded on the slip in the “authorization code” column. The code can be numeric, alphabetic or mixed.

§ "Refusal". This response means that the requested amount is not confirmed. The reason for the refusal can only be found out by the cardholder by contacting their bank. If such a response is received, you can offer the client:

§ pay with another card;

§ pay in cash.

§ When receiving a command “withdraw the card” see instructions on security measures when providing card services.

At the slightest suspicion that the card is counterfeit or not presented by its rightful holder, see the instructions on security measures when providing card services.

If, after receiving the confirmation code, the transaction on the card is not completed, you must immediately call the authorization center and cancel the code, or perform the corresponding operation on the electronic terminal.

7.2. Sleep design

The slip consists of three copies:

§ the first copy - enterprises;

§ the second copy - the client;

§ the third - Bank - dense.

1. Insert the card into the small slot of the rolling machine face up, then put the slip blank into the large slot so that its upper part overlaps the lower part of the card with raised numbers and letters, roll the imprinter roller right and left. Rolling to the right, you will receive an imprint from the card, rolling to the left, the cliché of the enterprise is imprinted. On each copy of the slip, the details of the card (CARDHOLDER) and the cliche of the enterprise (MERCHANT) must be clearly printed.

2. Enter the date of the transaction Data/Date).

3. in the graph SUM/TOTAL enter the transaction amount.

4. in the graph Currency/name Currencies enter RUB.

5. in the graph Cashier init./Seller's signature Enter the name of the cashier.

6. in the graph Auth. Code/Authorization code. enter the authorization code received from the BANK's Processing Center.

7. in the graph First four digits… enter the first four digits of the card number.

8. Invite the cardholder to sign the slip ( CARDHOLDER'Ssignature/SIGNATURE). Check the signature on the slip against the holder's sample signature on the back of the card. If the identity of the signatures is in doubt, ask the cardholder to present a passport, and in case of successful identification, write the passport data on the front side of the slip in a free space and ask the client to re-sign the slip.

9. Return the second copy of the slip (cardholder/client) to the cardholder. The first copy of the slip (merchant / enterprise) remains with the Enterprise for reporting, the third copy is transferred with a summary report to the Payment Systems Department of MDM-Bank at the address, room 712.

Responsibility for the incorrect design of the slip rests with the persons involved in their design.

7.3. Issuance of a credit slip

Refunds for services provided by cards are never issued in cash. If the return occurs at the initiative of the holder, a credit slip is issued.

For this:

1. Fill out the credit slip by indicating on it date return of goods to the point of sale, amount reimbursement to the cardholder, specify your last name.

2. Get holder's signature slip cards.

3. Second give a copy of the credit slip to the cardholder, third- remains with the Company, first- is transferred to the Department of Payment Systems of MDM-Bank at the address, room 712.

If you do not have a credit slip form, you must fill out a regular slip with a mark "CREDIT" as indicated on the slip sample.

In the event that it is necessary to cancel an earlier erroneous transaction that was not initiated by the holder, instead of issuing a credit slip, it is necessary to send a letter to the bank with a corresponding request.

8. SUPPORT PHONES AND AUTHORIZATION CENTERS.

For all questions regarding the rules for processing transactions and servicing VISA, Eurocard/MasterCard and Maestro cardholders, please call :

§ JSCB "EAST BRIDGE BANK": , ext. 284 (from 9-30 to 18-30)

§ Information and service service:, (from 9-00 to 21-00).

§ For questions on the operation of POS-terminals, please contact JSCB "EAST BRIDGE BANK")

Trade and service enterprises in Moscow can also directly report an attempt to illegally use the card to the duty officer of the Department for Combating Economic Crimes of the Main Internal Affairs Directorate of Moscow (, from 9-00 to 18-00 or around the clock)

Application№1

to the Handling Instructions for Holders

bankingkartVISA, VISA Electron,

Eurocard/MasterCard, Maestro, Diners Club andAmerican Express

in trade and service enterprises

ACT of card withdrawal

Pick-up card report

Card number cardnumber
Card expiration date Expiration date of card
cardowner Cardholder
Point of sale (name and number in accordance with registration) Merchant
Additional information (reason for card withdrawal) Additional information
Card withdrawal date Pick-up card date
Report compiled Report by	Name
Telephone
Signature
Card holder's signature Cardholder signature
Report date date of report

Application

to the Agreement dated "_________" ________________200___ No._____

on the sale of goods (works, services) using bank cards

The act of acceptance and transfer of equipment

Moscow "___" ____________ 200___

Acting on the basis of power of attorney No. _____ dated "___" ______________ 200__. and __________, hereinafter referred to as the "Enterprise", represented by _____________________________________________________________, acting (s) on the basis of _____________________________________________, have drawn up this act on the following:

In accordance with the Service Agreement No. ________ dated "__" ___________ 200__, the "Bank" transfers, and the "Enterprise" accepts the following equipment:

No. p / p	Name of equipment	Quantity, pcs.)	Unit cost (in USD)	Note S\n; Cliche number (legal, actual name and address of the acquiring point or cash point)
			_____$ (___________ __________________)	№cliche ________________________
			_____$ (___________ __________________)	(for the outlet "___________" located at: ___________ _______________________________)
			_____$ (___________ __________________)	No. cliche ____________________________ (for the outlet "___________" located at: ___________ _______________________________)

____________________ /_______________/

Company:

_____________________/_______________/

Artist: _______________

Tel.: 785 – 94 – 95

Application

to the Agreement dated "_________" ________________200___ No._____

on the sale of goods (works, services) using bank cards

LIST

payment systems, cards of which are accepted at the outlets of the Enterprise

Address and name of the outlet of the Company

Payment systems whose cards are accepted at the point of sale

1.____________________________________________________________________________

_______________________________________

Diners Club International

2.____________________________________________________________________________

Moscow, st. ___________________________

_______________________________________

_______str./building _______floor__________

office#_________________________________

VISA International Inc.(VISA, VISA Electron)

Europay International S.A.(Eurocard/MasterCard, Maestro)

Diners Club International

American Express(Terminal ID _____________)

3.____________________________________________________________________________

Moscow, st. ___________________________

_______________________________________

_______str./building _______floor__________

office#_________________________________

VISA International Inc.(VISA, VISA Electron)

Europay International S.A.(Eurocard/MasterCard, Maestro)

Diners Club International

American Express (terminal ID _____________)

4.____________________________________________________________________________

Moscow, st. ___________________________

_______________________________________

_______str./building _______floor__________

office#_________________________________

VISA International Inc.(VISA, VISA Electron)

Europay International S.A.(Eurocard/MasterCard, Maestro)

Diners Club International

American Express(Terminal ID _____________)

5.____________________________________________________________________________

Moscow, st. ___________________________

_______________________________________

_______str./building _______floor__________

office#_________________________________

VISA International Inc.(VISA, VISA Electron)

Europay International S.A.(Eurocard/MasterCard, Maestro)

Diners Club International

American Express(Terminal ID _____________)

Organization:

__________________________/____________________/

More and more people use payment cards. No wonder - they are easy to use and make life much easier. They allow you to make non-cash payments in stores and on the Internet, withdraw money from an ATM, and also have many useful features (bonus program, access to discounts, access to online banking). However, do you know how this small piece of plastic works, and what information should be on the front and back of a bank card?

All payment cards, regardless of which bank issues them - must be made of flexible plastic, have an identical format and contain certain elements.

Bank card sizes

Standard card sizes were defined in 1985 by ISO (International Organization for Standardization - Eng. International Organization for Standardization). In accordance with the ISO/IEC 7810 standard, each payment card must be 53.98 mm high, 85.6 mm wide and 0.76 mm thick (this is the so-called ID-1 format). The card must have rounded edges with a radius of 3.18mm.

Various details presented on the map and the location of some elements are also subject to standardization. In addition, the ISO standard defines a method for recording data in a magnetic stripe or a microprocessor (chip) built into a card.

Obverse - the front side of a bank card

In accordance with ISO standards, the following data must be indicated on the front (front) side of a bank card:

Name and brand name (logo) of the card issuing bank

This data is placed at the top of the map: in the center or in the left corner.

Card number

The card number is located in the central part of the card and is a sequence of 16 digits written in 4 blocks of 4 digits. Contains information about the cardholder's account, the bank that issued it and the payment system to which the card belongs.

First digit informs about the industry affiliation of the financial organization that issued the card.

For example:

1 and 2 reserved for airlines
3 - for T&E club cards
4, 5 and 6 - for financial institutions such as Sberbank
7 - for a network of fuel sales points
8 - for telecommunication networks

Four, five and six indicate the payment system in which the card works. 4 - VISA, 5 - for MasterCard plastic, 6 - for regional payment systems.

Next 5 digits determine the financial institution that issued the card to us.

First six digits is a BIN (Bank Identification Number), sometimes referred to as a "prefix".

next nine digits– identifier of the account number of the client who is the cardholder.

Last sixteenth digit- this is the so-called check digit, which is calculated based on the Luhn algorithm. It allows you to check the correctness of the entered sequence of numbers.

The check digit performs an important function, especially during online transactions. When we enter the card number, our algorithm-based computer makes instant calculations and validates the entry. An identical operation is performed by the computer receiving the data (ie, the merchant's computer).

Due to the fact that the check digit is an additional form of protection for online cashless transactions, we are not able to "fake" the card number in such a way that the payment is debited from the account of another person.

Important! The card number does not match the bank account number.

The most common mistakes made when entering numbers are:

one error: a instead of b (60%-95% of all errors)
skipping or adding a number (from 10% to 20%)
swap adjacent numbers - the so-called Czech error (from 10% to 20%)
twin errors: aa entered as bb (0.5% to 1.5%)
substitution of adjacent digits: acb entered as bca (0.5% to 1.5%)
twin spaced digit errors: aca as bcb (below 1%)

Card expiry date

The expiration date of the card is indicated by embossing at the bottom, under the card number. The current recording format is MM/YY (sometimes prefixed with VALID THRU). On the cards of some banks, the starting date of the card may also be indicated.

The validity period of payment cards is determined individually by each financial institution. Most often this is a period of one to 3 years, however, there are longer periods.

The card can be used until the last day of the month in which it expires - after this period, the bank issues a new card before the old one expires.

Organization logo and hologram

As a rule, the logo and hologram are located in the lower right corner of the card ( although recently some members place a hologram of the organization that issued the card on the reverse rather than on the front side).

A hologram can be a pattern or text that is laser-etched onto a very thin, metallic film and which, depending on the tilt of the card, gives the impression of being two- or three-dimensional.

For the first time, the hologram was used by the MasterCard organization, and now all payment systems use it. A three-dimensional dove is placed on VISA cards, MasterCard hologram contains the MasterCard inscription and the symbol of the connected globes. Holographic ones do not allow falsifying a card using simple copying methods, therefore they are an important element in the protection of bank cards.

Microprocessor (chip)

It has the shape of a square or rectangle located to the left of the card, under the logo and name of the bank. The module is embedded using a special adhesive that reacts chemically with the plastic of the card, making it impossible to remove it without damaging the plastic.

Name and surname of the cardholder (optional)

The name and surname of the cardholder are placed in the lower left corner of the card. In the case of business cards, the name of the company may be placed on the personal card instead of the name and surname of the owner.

Designation of the region of validity of the map

Map local (national)– can only be used in the country where the publisher is located. The bank then sets special information on the front side, for example, "Valid only in Russia".

Sometimes cards marked EUROCARD / MasterCard or VISA may be of the local type, intended only for use in the territory of a given country. Local cards cannot be used abroad, because when you try to pay, the bank automatically blocks it.

An international card is used to make transactions both in the country in which the issuer is located and abroad. Can be used at any point of sale or ATM that displays your card logo.

Card type

Each payment system provides payment cards designed for different types of customers (gold, prestige, business, etc.). As a rule, these cards differ from the rest in graphic design, for example, the gold background color is reserved for Gold cards, silver for Silver cards. Sometimes, however, the type of card is also indicated on the front side in the form of letters.

Additional elements

The following elements may also be placed on the front side of the card:

photo of the owner (optional);
special characters such as contactless payment symbol;
protection element, visible only in ultraviolet rays.

Reverse - the reverse side of a bank card

The reverse contains much fewer elements. The most important of them are:

magnetic stripe

The magnetic stripe has dimensions of 12x86 mm and contains an encoded set of data about the cardholder and his account, as well as a personal identification number (PIN). It consists of three parallel magnetic strips, information from which is read through a magnetic head installed in an ATM or terminal.

The first page contains the name and surname of the cardholder and data on the country and bank that issued the card. On the second track, the card number, its expiration date and the service code necessary for the proper execution of the transaction are recorded. And the third lane is used to store the bank's own information.

The magnetic strip is additionally protected against forgery by means of microprinting, as well as elements visible only in ultraviolet rays.

Signature field

The signature field, that is, the silicone layer on which the cardholder leaves his signature. The course is also protected by design elements that are invisible to the eye or can only be seen under ultraviolet light.

In addition, a thin layer of transparent white paint is placed on the field, which forms the substrate for the signature. An attempt to remove the signature for the purpose of re-drawing entails the removal of the base, then the inscription "card expired" will appear in this place.

Code CVC2 / CVV2

The three-digit code CVC2 / CVV2 is indicated directly in the signature field. It provides security for remote transactions in which it is not possible to enter a PIN code. It is indicated on the card, and is also stored in the bank's information system. It must not be disclosed to third parties!

CVC2 code (Card Verification Code 2)– used to confirm remote MO/TO transactions on MasterCard cards.
CVV2 code (Card Verification Value 2)– a three-digit code that allows you to identify the cardholder of the Visa Electron and Visa Gold cards.
American Express Cards– a four-digit code is indicated on the front side of the card.

MO/TO mail order/telephone order/internet order) – transactions without physical use of the card. Confirmed by entering the card number and other unique bank card data (owner's name, expiration date, CVC2 or CVV2 code).

Information about the card issuer (bank data)

The reverse side of the card also contains the address details of the card issuer and the phone number by which the card can be blocked.

Evolution of manufacturing and functionality of payment cards

Modern payment cards perform more and more functions and have a more complex design. Nowadays, most of them have an embedded chip containing a memory and a processor, which allows to store more data than a magnetic stripe, and guarantees a high level of security during the operations carried out by the user.

The development of modern information technologies makes it possible to implement innovative solutions, such as a card with a display that allows the user to check the account balance and generate one-time passwords.

Another interesting idea is a card that allows you to use several bank accounts (the choice can be made by pressing the button on the card). Biometric cards with an integrated fingerprint reader and cards that offer a dynamic (time-varying) verification code have also been successfully tested.

Time will tell if the novelties will be recognized by users. One thing is for sure - multifunctional payment cards can still surprise us with innovative solutions.

We will consider the main features of determining the authenticity of cards of a number of payment systems:
-Visa International;
-MasterCard Worldwide;
-American Express;
-Diners Club International.
The data that will be given may not be the most up-to-date, but they give general information about the issue. All bank cards have a standard size of 86? 54 mm. The bank card must not be damaged (cracks, chips, cuts, etc.). You cannot service cards that have not yet expired or have not yet expired.
Some signs of fake Visa and MasterCard cards:
- the name of the issuing bank and the logo of the payment system are printed in poor quality, the colors can be blurred and erased;
- the first four digits of the card number (“prefix”) printed under the embossed (embossed) number or above it are erased or missing;
- the hologram is pasted, may peel off at the edges;
- the card number is embossed in the center of the hologram;
- errors in the microprinting of the Visa logo (a solid blue line is applied instead of the manufacturer's code and the first four digits of the card number);
- there is no image visible in ultraviolet light;
-there is no protective special symbol on the cards;
- the magnetic strip is glued, not soldered into plastic;
- the magnetic strip is located unevenly relative to the horizontal edge of the card;
- the card number (the last four digits of the card number) on the signature strip does not match the card number (the last four digits of the card number) on its front side;
- the card number (the last four digits of the card number) and the three-digit security code on the signature strip are printed without tilting to the left or are absent on those cards where they are required;
- changes have been made to the embossed details of this card;
- the number on the front side of the card does not match the number on the terminal receipt.
The main distinguishing features and characteristics of Visa cards. The old design was valid until January 1, 2006. Cards of the old design continue their circulation until June 30, 2011.

"Visa" logo in the form of a tricolor flag (blue, white, gold): "Visa" is written on the white stripe; 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, microprinting of the code and BIN (bank identification number) of the card issuer is applied;
- a hologram (volumetric image) in the form of a flying dove is soldered into plastic; when the card is turned, the dove “flaps its wings”;
- Visa card number, starts with "4" and consists of 16 digits: "4ХХХ XXXX XXXX XXXX"; in this case, the last group of numbers should be in the field of the hologram;
- the first four digits of the embossed card number must match the four printed BIN digits;
- the initial and final validity period of the card can be embossed, for example, 10/06-10/08, or only the final one, for example, 10/08;
- after the expiration date of the card, there must be one of the symbols: "V", and this symbol must be embossed on the card in a special font - "flying italics";
- an image of a flying dove in the center of the card, visible in ultraviolet light;
- personal data of the cardholder (name, surname) are applied by embossing.

- on the signature panel, text written in italic blue and gold colors, from the repeated words "Visa";
- laser-etched card number or part of the card number and three digits of the security code (CVV2).
The new card design is valid from January 1, 2006.

- the hologram is pressed into the plastic of the card;
-3D image in the form of a flying dove;
-when the card is rotated, the impression of a flutter of a dove's wing is created and the image of the dove changes colors;
- on a white background, the trademark "Visa" is applied in blue, part of the letter "V" in the word is highlighted in gold;
- "Visa" written in blue on the white stripe;
- the color of the inscription "Visa" must match the color of the upper blue stripe;
- microprinting is applied along the contour of the Visa logo on a white continuous frame, which consists of BIN and bank code;
- the card number always starts with the number "4" and consists of 16 digits grouped as "4-4-4-4";
- the last group of the card number is in the lower field of the hologram;
- the validity period of the card can be specified initial and final, for example 10/06-10/08 (month/year), or only final, for example 10/08; the card is valid until 24:00 on the last day of the specified month;
- after the expiration date, the security letter “V” may be embossed in the form of the letter “V” in the word “Visa”;
- ultraviolet protection: the letter "V" is displayed in the area of the logo or an image of a blue or red flying dove visible in ultraviolet light is placed in the center of the card; the whole image should glow; when the card is placed under ultraviolet illumination, the image of a flying dove is visible only from the front side of the card;
-Visa Int. recommends issuing cards for a period of 1 month, for
1 year, 2 years and rarely 3 and 5 years;
-regional cards have the inscription "Valid only in ..." ("Valid only in ..." (the country is indicated further) and are serviced only in the specified country.
Reverse side:
- a magnetic strip in which the information present on the front side of the card is laid;
-when carrying out the operation, be sure to compare the number on the front side of the card with the number on the receipt, which will be printed by the electronic terminal;
- on the signature panel at an angle of 45 °, the text of the repeated words “Visa” is applied in blue and yellow colors or a pattern of alternating lines of yellow and blue colors is applied;
- on the signature panel there must be a distinct (not worn, not smeared) signature of the cardholder;
- the card number (in full or only the last four digits) and three digits of the security code (CVV2) are laser printed. For example: 4277 0000 0000 0025 108 or 0025 108;
-when you try to erase, the word “Void” appears on the signature panel;
- there may be a photo of the card holder in the lower left corner of the Visa card.
Main distinguishing features and characteristics of Visa Electron cards. The old design was valid until January 1, 2006. Cards of the old design continue their circulation until June 30, 2011.
Front side:

- "Visa Electron" logo in the form of a blue field with the inscription in white letters "Visa Electron" and a yellow stroke between the words "Visa" and "Electron"; the logo is located in the lower right corner of the card;
- along the contour of the “Visa Electron” logo in the form of a continuous frame, the inscription “Electron” is microprinted;
- there is no hologram;
- personal data of the cardholder (name, surname), card number and expiration date are laser-printed, printed or embossed;
- the first four digits of the card number must match the four printed BIN digits above the card number; must be applied under the first group of numbers;
- number of the Visa Electron card, starts with "4" and consists of 16 digits, while the last group of digits must be in the hologram field;
-since 1997 the use of eight-digit card numbers is allowed - the first four must be printed in a typographic way, the last four - printed in the hologram field;
- text "Electronic Use Only" ("Only electronic use").
Reverse side:
- the magnetic strip is soldered into the plastic, not glued;
- on the signature panel, a distinct (not worn, not smudged) signature of the cardholder;
- on the signature panel, the text is slanted from the repeated words "Electron", written in blue, red and gold colors.
All cards listed below are variations of existing Visa products, contain all standard security features, and are subject to the general rules for accepting Visa cards.
There are also social cards Visa Electron (Visa Electron Social Cards), Visa Electron instant issue (Visa Electron Instant Issue).

Visa Electron Instant Issue cards were first released to the Russian market in 2002. Their distinctive feature is the absence of the surname and name of the holder on the card.
The procedures for taking them are described below.
Merchants must accept Visa Electron Instant Issue cards for payment in the same way as any other Visa Electron product. All transactions must be carried out in real time and go through the process of authorization by the issuing bank. If the cashier has doubts, it is necessary to verify the cardholder's signature with an identity document.
Front side:
- the inscription "Electronic Use Only" (may be in other languages);
- the Visa Electron symbol must be present in the upper or lower right corner on the front side of the card;
- microprinting including the word "Electron" must be visible around the Visa Electron symbol;
- the first four digits of the number must be printed on the front side of the card, the last four digits must also be present;
- some issuing banks indicate the full card number on the front side; the cashier must check that the number indicated on the card matches the number printed on the receipt of the electronic terminal;
-dove hologram/card expiration date/cardholder name (this information is optional and may not appear on the Instant Issue card).
Reverse side:
- the signature strip must be filled with the repeated word "Electron", printed diagonally, when you try to erase it, the word "Void" appears on it;
-signature; if the cashier is not sure whether the signature on the card matches the signature on the check, you should ask the cardholder to present an identity card (with a signature) and verify the signature again.
These cards do not contain the name of the client, so the phrase "Electron Visa Cardholder" is placed on the magnetic strip in the first track instead of the name of the cardholder.
The new design is valid from January 1, 2006.
The Visa International payment system issues cards of the Visa Electron standard. Any transaction on the Visa Electron card, regardless of the amount, must be authorized only electronically. Acceptance of Visa Electron cards is possible only at service points equipped with electronic terminals. There is no voice request for a confirmation code.
Front side:
- new design of the "Visa" logo: on a white background, the trademark "Visa" is applied in blue, where part of the letter "V" in the word "Visa" is highlighted in gold, under the logo is the inscription "Electron";

-there is always an inscription "Electronic Use Only";
- the card number always starts with the number "4" and consists of 16 digits grouped as 4-4-4-4; the number can be applied in full or in part (on the receipt of the POS-terminal, the card number must be indicated in full); data is applied by laser or by embossing;
- under the first group of digits of the card number or above it, a four-digit BIN must be printed, repeating the first group of digits of the card number;
- the validity period of the card can be specified initial and final, for example 10/02-10/04 (month/year), or only final, for example 10/08; the card is valid until the last day of the specified month;
- the protective letter "V" is not applied.
-hologram and UV protection are optional elements of the card.
Visa Electron card can be of two types:
1) personalized, with the name of the cardholder and the expiration date on the front side;
2) non-personalized, without the name of the cardholder and the expiration date on the front side.
Reverse side:
- a magnetic strip in which the information present on the front side of the card is laid; when performing a transaction, be sure to compare the number on the front side of the card with the number on the check printed by the POS-terminal;
- the panel for the signature can be of several types: the word "Electron" is repeatedly applied (in blue, red and yellow) with an inclination of 45 °; the word “Visa” is repeatedly applied (in blue and yellow colors) with an inclination of 45 °; applied a pattern of alternating lines of yellow and blue;
- on the signature panel, the card number and security code can be duplicated, applied by laser;
-regional Visa Electron cards have the inscription "Valid only in." (hereinafter the country is indicated) on the front side of the card;
- there may be a photo of the card holder in the lower left corner of the Visa Electron card.
Microprocessor cards Visa and Visa Electron can be placed vertically. In this case, the information must be printed on them with an indent seal.

Visa and Visa Electron cards can be either standard size (86 x 54 mm) or reduced (66 x 40 mm), approximately 2/3 smaller than the standard size.
Main distinguishing features and characteristics of MasterCard cards.
Front side:
- the "MasterCard" logo, which is two intersecting circles of red and yellow colors with the inscription "MasterCard" on their background;
- "MasterCard" hologram in the form of intersecting earth's hemispheres, three-dimensional image of the continents against the background of repeated multi-colored text "MasterCard" visible to the naked eye; no meridian grid;

-rings around the hemispheres are made of microletters "MC";
- the number of MasterCard cards is always embossed, starts with the number "5" and consists of 16 digits, grouped as 4-4-4-4;

- under the first four digits of the card number, the BIN of the issuing bank must be printed, repeating the first four digits of the card number;
- the embossed card validity period can be initial and final, for example 10/05-10/06 (month/year), or only final, for example 10/06;
- after the expiration date, a security letter may be embossed:

- the name and surname of the cardholder are also applied by embossing:

- in ultraviolet light, the letter "M" (in the lower left corner of the card) and the letter "C" (at the location of the card's expiration date) are visible in large print;
-regional cards have the inscription "Valid only in ..." (the country is indicated) and are serviced only in the specified country.
Reverse side:

- on the signature panel at an angle of 45 ° there is a text from the repeated words "MasterCard", written in red, yellow and blue colors;
- on the signature panel, with an inclination to the left, the card number (or its last four digits) and three digits of the security code (CVC 2) are printed;
-if the signature panel has been cleaned or erased, the word "Void" will appear under it;
- the bank code (ICA) in the form of four digits is printed with printing ink in any free field of the card.
Main distinguishing features and characteristics of MasterCard Electronic cards. The MasterCard Electronic card is specially designed for servicing with an electronic terminal, the card cannot be serviced with an imprinter.
Front side:

- "MasterCard Electronic" logo: two intersecting circles of red and yellow colors with the words "MasterCard" (white with a blue shadow) and "Electronic" (blue);
- under the logo there is a white inscription "100% Electronic";
- MasterCard hologram;
-card number, holder's name and expiration date can be indented or laser engraved;
- the name of the cardholder may be missing;
-BIN (first four digits of the number) must be typed;
- the card number starts with the number "5" and consists of 16 digits; only the last four digits of the number can be printed on the card;
- the inscription "Valid only where MasterCard Electronic is accepted" ("Valid only where MasterCard Electronic is accepted").
-regional cards have the inscription "Valid only in." (country specified) and serviced only in the specified country.
Reverse side:
- the magnetic strip must be soldered into the plastic, not glued;
- the panel for the signature has a drawing of the repeated words "MasterCard" in red, blue and yellow colors;
- on the panel, with an inclination to the left, the card number (or its last four digits) and a three-digit security code (CVC 2) are applied.
Main distinguishing features and characteristics of Maestro cards.
Front side:

- "Maestro" logo - two intersecting circles of blue and red colors with the inscription "Maestro" in white, printed on their background; the logo is placed in the upper or lower right corner of the card;
-card number, holder's name and expiration date can be embossed or indented;
- the card number can consist of 16-19 digits, starts with the number "50" or another number in the ranges 56-58, 60-69;
- BIN is typographically printed under the card number, repeating the first four digits of the card number;
- the validity period of the card is always indicated as the final one: month/year (00/
00); on Maestro cards issued by European banks, the expiration date may be indicated, for example 12/49;
- the name and surname of the card holder are written in Latin letters; if they are written in Cyrillic, then the card should indicate “Valid only in Russia” (“Used only in Russia”);
-Maestro card can be of two types: personalized (with the cardholder's name and expiration date) and non-personalized (without the cardholder's name and expiration date);
-regional cards have the inscription "Valid only in ..." (the country is indicated) and are serviced only in the specified country.
Reverse side:
- the magnetic strip must be soldered into the plastic, not glued;
- signature panel - a white field, which, at the discretion of the issuing bank, may contain an ornament or text;
- on the signature panel there may be a card number (or its last four digits), applied with an inclination to the left;
- at the bottom of the card there may be logos of service systems, for example "Cirrus", "Edc".
The optional security features on the front of the Maestro card are:
-BIN - a four-digit number repeating the first group of digits of the card number, typographically printed in contrast to the background of the card itself under or above the first group of digits of the card number;
-hologram (the issuing bank applies a hologram pattern at its discretion);
- an image visible in ultraviolet light (the issuing bank applies at its discretion).
In connection with the signing of a global cooperation agreement between Diners Club International and MasterCard International, a new card product of these companies has been developed. Cards issued in the US and Canada are almost standard Diners Club card designs with the MasterCard logo and hologram on the front. The card has a 16-digit number (begins with the number "5") and a special symbol MC. The reverse side features the "Cirrus" logo, a signature strip with the repeated word "MasterCard". The described card is accepted for service on the terms and rates developed for MasterCard cards.
Diners Club card issued in the USA and Canada:

A joint product of MasterCard Europe S.A. and Diners Club International payment systems, which is currently issued outside the USA and Canada. This card has the MasterCard logo on the reverse side. The card number consists of 14 digits (starts with 36). The owners of these cards can only be served in banks that work with cards of the Diners Club payment system.
Diners Club card issued outside the USA and Canada:

Distinctive features and main characteristics of Diners Club cards.
Front side:
- on a map of silver color with gray wavy lines, an unfolded map of the world is applied in contrast;

- the "Diners Club" logo is located in the upper left corner, on the right side of it is the inscription "Diners Club International";
- the presence of the ® icon is mandatory;
- all data on the front side of the card is embossed;
- the card number starts with "30", "36", "38" or "39" and consists of 14 digits grouped as 4-6-4; Diners Club cards issued in Russia start with "36";
- card validity period - always initial and final;
- before the expiration date, two digits must be embossed - the mark of membership and the year the holder joined the club;
- abbreviation "DC";
-franchise code, consisting of two letters, which are assigned to each country by Diners Club; if the card was issued in Russia, then these are the letters "VR";
- after the expiration date, the Diners Club logo is embossed; it may not be available on cards issued in Russia (VR);
- over the embossed logo, a security code consisting of two letters of the Latin alphabet is applied with typographic ink;
- in the center of the card there is an image of the Diners Club logo in blue, visible in ultraviolet light.
Reverse side:
- a magnetic strip, where the information present on the front side of the card is stored; when performing a transaction, be sure to compare the number on the front side of the card with the number on the check printed by the POS-terminal;

-signature panel: repeating blue Diners Club logo printed in one or three lines;
- at the bottom of the signature panel, the card number and three digits of the security code are lasered;
- on the front side at a certain angle, a mirror image of the numbers applied by the laser is visible;
- a hologram with the image of the DC logo and an unfolded world map is located in the lower left corner of the map, against the background of iridescent colors of the world map, the inscription "Diners Club International" appears; this inscription should not go beyond the background of the world map;
- embossed "DC" logo and card expiration date must be in the hologram field.
The regional map differs from the international map by the absence of the word "International". On the front side of the card there is an inscription "Valid only in ..." (the country is indicated), on the reverse side, instead of the words "Valid Worldwide", "Valid only in." is applied.
The Diners Club International joint card has a standard appearance. The name and logo of the partner are applied in the upper right corner. Sometimes the partner's logo can be placed in a color or gray image instead of an expanded map of the world.
Distinctive features and main characteristics of American Express cards.
Front side:

- "American Express" logo;
- an image of a Roman legionnaire: on personal cards in the center, on corporate cards - in the upper left corner; on Optima cards, the image of a warrior occupies the entire right side;
- all data on the front side of the card is embossed;
- the card number always starts with "34" or "37" and has 15 digits grouped 4-6-5;
- the validity period of the card is always initial and final;
-after the expiration date - the "member since" field: date of issue of the first card;
- after the date of issue of the first American Express card - product code: letters A.X. or O.S.;
- on corporate and personal cards, a four-digit digital security code (batch code) is on the right above the number, on Optima cards - on the left;
- name and surname of the card holder;
- under ultraviolet light are highlighted: AM - the image of a Roman soldier - EX;
- in the lower right corner of the card - the mandatory text "@AMEX".
Reverse side:

- a magnetic strip, where the information present on the front side of the card is stored; when performing a transaction, be sure to compare the number on the front side of the card with the number on the check that will be printed out by the POS-terminal;
- a panel for the cardholder's signature;
-card number duplicating the embossed number on the li-…….
front side, located on the signature panel or below it;
- "American Express" logo;
- above the magnetic strip the mandatory text "This card is the property of the issuer and must be returned upon request" ("This card is the property of the issuer and must be returned upon request").