Visa Inc. Q2 2021 Operational Performance Data
Total Page：16
File Type：pdf, Size：1020Kb
Load more
Recommended publications
-
VX690 User Manual
Sivu 1(36) 28.9.2016 VX690 User Manual English Author: Verifone Finland Oy Date: 28.9.2016 Pages: 20 Sivu 2(36) 28.9.2016 INDEX: 1. BEFORE USE ............................................................................................................................... 5 1.1 Important ......................................................................................................................................... 5 1.2 Terminal Structure ......................................................................................................................... 6 1.3 Terminal start-up and shutdown .................................................................................................. 6 1.4 Technical data ................................................................................................................................ 7 1.5 Connecting cables ......................................................................................................................... 7 1.6 SIM-card.......................................................................................................................................... 8 1.7 Touchscreen ................................................................................................................................... 8 1.8 Using the menus ............................................................................................................................ 9 1.9 Letters and special characters.................................................................................................... -
Public Bank Unionpay Lifestyle Debit Card Product Disclosure Sheet
PRODUCT DISCLOSURE SHEET Public Bank Berhad (6463-H) Read this Product Disclosure Sheet before you PB Visa/MasterCard Lifestyle Debit – Generic decide to take up the PB Visa/MasterCard/Union Pay Lifestyle Debit. Be sure to also read the PB Visa/MasterCard Lifestyle Debit – Basic general terms and conditions. Savings Account/Basic Current Account PB UnionPay Lifestyle Debit – PB UnionPay Savings Account Date: 1. What is this product about? PB Visa/MasterCard/UnionPay Lifestyle Debit is a two-in-one card combining Visa/MasterCard/ UnionPay debit card and ATM functions. The card is linked to the Savings Account/Current Account/Basic Savings Account/Basic Current Account/PB UnionPay Savings Account (“Banking Account”) of the individual and any expenditure will be deducted directly from the Banking Account. This is a PB Visa/MasterCard/UnionPay Lifestyle Debit, a payment instrument which allows you to pay via a direct deduction of the cost for goods and services from your Banking Account at participating retail and service outlets. You are required to maintain a Banking Account with us, to be linked to your PB Visa/MasterCard/UnionPay Lifestyle Debit. If you close your Banking Account maintained with us, your PB Visa/MasterCard/UnionPay Lifestyle Debit will be automatically cancelled. 2. What are the fees and charges I have to pay? (i) Annual Fee x Generic/PB UnionPay Savings Account: RM8.00 x Basic Savings Account/Basic Current Account: Waived (subject to eight (8) ATM cash withdrawals and six (6) over-the-counter withdrawals per month*) *Note: Fee for exceeding the threshold will be RM1.00 per transaction. -
Rules for FNB Business Debit Card
RULES FOR FNB BUSINESS ELECTRON DEBIT CARDS The following Rules will apply to the issue and use of an FNB Business VISA Electron Debit Card (with Limited Function or Full Function) issued by First National Bank of Botswana Ltd, at the request of a Customer (“Bank”). The Rules constitute an agreement between the Customer, the Cardholder and the Bank. Section A: Definitions “Account” means the account nominated by the Customer to which the Card is linked as a primary link. “ATM” means an Automated Teller Machine “Card” means the FNB Business VISA Electron Debit Card issued by the Bank, , with ‘Full Function’ or ‘Limited Function’ as the context dictates. Limited Function Refers to Cards that permit Limited Functions only as described in Section 2 (Use of the Card) Full Function Refers to Cards that permit a much wider range of functions as described in Section 2 (Use of the Card) “Cardholder” means the person who has been nominated by the Customer to use the Card “Customer” means the Customer in whose name the Account is conducted with the Bank. “Limits” means the ATM cash, Point of Sale purchase and over-the-counter cash withdrawals limits both locally and internationally, whichever is applicable to the specific Card. “PIN” means the Cardholder’s Personal Identification Number. “Rules” means the rules that apply to the issue and use of an FNB Business VISA Electron Debit Card (Limited Function or Full Function) issued by the Bank on instruction by the Customer to the nominated Cardholder “POS” means a Supplier’s point-of-sale device, which is enabled to accept the Card. -
New Debit Card Solutions At
New Debit Card Solutions Debit Mastercard and Visa Debit are ready Swiss Banking Services Forum, 22 May 2019 Philippe Eschenmoser, Head Cards & A2A, Swisskey Ltd Maestro/V PAY Have Established Themselves As the “Key to the Account” – Schemes, However, Are Forcing Market Entry For Successor Products Response from the Maestro and V PAY are successful… …but are not future-capable products schemes # cards Maestro V PAY on Lower earnings potential millions8 for issuers as an alternative payment traffic products (e.g. 6 credit cards, TWINT) Issuer 4 V PAY will be 2 decommissioned by VISA Functional limitations: in 20211 – Visa Debit as 0 • No e-commerce the successor 2000 2018 • No preauthorizations Security and stability have End- • No virtualization proven themselves customer High acceptance in CH and Merchants with an online MasterCard is positioning abroad in Europe offer are demanding an DMC in the medium term online-capable debit as the successor to Standard product with an Merchan product Maestro integrated bank card t 2 1: As of 2021 no new V PAY may be issued TWINT (Still) No Substitute For Debit Cards – Credit Cards With Divergent Market Perception TWINT (still) not alternative for debit Credit cards a no alternative for debit Lacking a bank card Debit function Limited target group (age, ~1.1 M 1 ~10 M. creditworthiness...) Issuer ~48.5 k ~170 k1 No direct account debiting DMC/ Visa Debit Potentially high annual fee End-customer Lower customer penetration Banks and merchants DMC/ P2P demand an online- Higher costs Merchant Visa Debit -
TD Generation Union Pay Guide
TD Generation UnionPay Guide For the TD Generation • All-in-One, HSPA, WiFi • Portal with PINpad • Portal 2 with PINpad COPYRIGHT © 2016 by The Toronto-Dominion Bank This publication is confidential and proprietary to The Toronto-Dominion Bank and is intended solely for the use of Merchant customers of TD Merchant Solutions. This publication may not be reproduced or distributed, in whole or in part, for any other purpose without the written permission of an authorized representative of The Toronto-Dominion Bank. NOTICE The Toronto-Dominion Bank reserves the right to make changes to specifications at any time and without notice. The Toronto-Dominion Bank assumes no responsibility for the use by the Merchant customers of the information furnished in this publication, including without limitation for infringements of intellectual property rights or other rights of third parties resulting from its use. Contents Who should use this guide? .....................................................1 What is UnionPay? .................................................................................. 1 How do I identify a UnionPay card? ....................................................... 1 UnionPay card types ............................................................................... 1 Financial Transactions ............................................................2 Transaction requirements ......................................................................2 PIN entry ............................................................................................................2 -
Credit Cards American Express Company 24-Hour Number: (800) 528-2121 (U.S
Credit Cards American Express Company 24-Hour Number: (800) 528-2121 (U.S. and Canada) American Express Cards include: Personal Green (pictured), Gold, Platinum, Corporate Green (pic - tured), Corporate Gold, Corporate Platinum, Corpo - rate Optima, Optima, Optima Gold, Purchasing Card, American Express Blue (pictured), Green and Gold Rewards, and more. American Express also issues co-branded cards, including Hilton, Delta SkyMiles (pictured), ITT Sheraton Club Miles, and more. American Express issues multiple styles of prepaid cards. Gift Cards (4 are pictured) can be variable load or pre-denominated ranging from $25 to $3,000. Gift Cards are not reloadable and can be personalized or issued anonymously. Reloadable prepaid cards are also available in various styles and offer different functionality. Serve and Bluebird prepaid cards are multifunction cards with many new features such as bill pay, check writing, and funds transfer. All prepaid cards have the word “PREPAID” printed on either the front or back of the card. Account numbers are 15 digits, begin with 37 or 34, and are sequenced 4-6-5. UV light reveals large “AMEX” and phosphorescence on the face of each card, excluding the Gift Card. The Centurion or the American Express Blue Box appears on most Amer - ican Express cards. To establish the validity of a card, or determine its status, please call (866) 375-3684. 98 Credit Cards Diners Club International ® 2500 Lake Cook Rd. Riverwoods, IL 60015 Security Contacts: Law Enforcement Phone Line: 1-800-347-3083 for law enforcement officers Merchant Code 10 Authorization: 1-800-347-1111 for suspicious transactions Diners Club ® account numbers start with 36 or 55. -
Virtual Debit Cards and Consumer Protection
Virtual debit cards and consumer protection RESEARCH REPORT Produced by Option consommateurs and presented to Industry Canada’s Officer of Consumer Affairs June 2014 Virtual debit cards and consumer protection Option consommateurs received funding for this report under Industry Canada’s Program for Non-Profit Consumer and Voluntary Organizations. The opinions expressed in the report are not necessarily those of Industry Canada or of the Government of Canada. Reproduction of limited excerpts of this report is permitted, provided the source is mentioned. Its reproduction or any reference to its content for advertising purposes or for profit, are strictly prohibited, however. Legal Deposit Bibliothèque nationale du Québec National Library of Canada ISBN: 978-2-89716-017-3 Option consommateurs Head Office 50, rue Ste-Catherine Ouest, Suite 440 Montréal (Québec) H2X 3V4 Tel.: 514 598-7288 Fax: 514 598-8511 Email: [email protected] Website: www.option-consumers.org Option consommateurs, 2014 ii Virtual debit cards and consumer protection Table of Contents Option consommateurs ................................................................................................................... iv Acknowledgements .......................................................................................................................... v Summary .......................................................................................................................................... vi 1. Introduction .................................................................................................................................7 -
Use Your VISA Debit/ATM Card for Purchases and Cash Withdrawa
6. Limitations on dollar amounts and frequencies of DEBIT CARD AGREEMENT & DISCLOSURE STATEMENT transactions: The following limitations apply to the use of the card. VISA DEBIT/ATM CARD In this Agreement and Disclosure Statement, the words “you” and “your” You may make withdrawals up to the amount in your share draft mean each and all of those who agree to be bound by this “agreement”; account, but not to exceed $500 per day at ATMs, $1500 POS daily “card” means the SUNY Geneseo Federal Credit Union debit card and any transactions, and a limit of 11 daily transactions. The card that works like a check- only better! duplicates, renewals, or substitutions the Credit Union issues to you, 7. Charges for transactions from the Credit Union: There are Use your VISA Debit/ATM card for purchases and “account” means the account designated on the application for your debit cash withdrawals anywhere the VISA logo is no annual fees. Monthly, members receive two free ATM withdrawals card; “Credit Union” means the Credit Union whose name appears on the on our surcharge free machines. Any ATM transactions thereafter will agreement or anyone whom the Credit Union transfers the agreement, and displayed! be charged a $1.00 Credit Union fee. All transactions processed On “transaction” means the use of the account number on the card, Personal . ATM machines other than those specified by the Credit Union will be Identification Number (PIN), or signature when required, to perform a subject to a machine charge. The Credit Union reserves the right to transaction with the card. -
EFTPOS and Visa Debit
1 Margaret Street DX 10271 Telephone Sydney NSW 2000 Sydney Stock Exchange 02-8299 9000 GPO Box 4720 Internet Facsimile Sydney NSW 2001 www.cu.net.au 02-8299 9607 29 April 2005 Dr John Veale Head of Payments Policy Reserve Bank of Australia GPO Box 3947 Sydney NSW 2001 By e-mail: [email protected] Dear Dr Veale EFTPOS and Visa Debit This submission by Credit Union Services Corporation (Australia) Ltd (CUSCAL) is made in response to the Reserve Bank of Australia (RBA) February 2005 consultation document Reform of the EFTPOS and Visa Debit Systems in Australia. CUSCAL is the leading industry body for credit unions. CUSCAL represents 144 of Australia’s 167 credit unions, provides credit unions with a range of banking and commercial services, and acts for and on behalf of our customers in accessing the payments systems. Credit unions play an important role in the Australian retail banking sector. As mutual, member-focused institutions, credit unions offer a high quality and affordable range of financial and banking services to more than three million members. The different kind of banking that credit unions offer is demonstrated not just in the very high satisfaction ratings1 that the industry continues to record, but also in tangible value delivered to members. In 2004, analysis conducted by CANNEX showed that credit unions are delivering $110 per year in additional ‘member value’ to their customers through interest rates and fees. This value dividend is in addition to the average $70 per year added to retained earnings that is ultimately returned in the form of better products and services. -
Visa Inc. V. Stoumbos
No. 15-____ IN THE Supreme Court of the United States VISA INC., ET AL., Petitioners, v. MARY STOUMBOS, ET AL., Respondents. On Petition for a Writ of Certiorari to the United States Court of Appeals for the District of Columbia Circuit PETITION FOR A WRIT OF CERTIORARI KENNETH A. GALLO ANTHONY J. FRANZE PAUL, WEISS, RIFKIND, Counsel of Record WHARTON & MARK R. MERLEY GARRISON LLP MATTHEW A. EISENSTEIN 2001 K STREET, NW ARNOLD & PORTER LLP WASHINGTON, DC 20006 601 MASSACHUSETTS AVENUE, (202) 223-7300 NW [email protected] WASHINGTON, DC 20001 (202) 942-5000 Counsel for Petitioners [email protected] MasterCard Incorporated and MasterCard International Counsel for Petitioners Visa Inc., Incorporated Visa U.S.A. Inc., Visa Interna- tional Service Association, and Plus System, Inc. i QUESTION PRESENTED Whether allegations that members of a business as- sociation agreed to adhere to the association’s rules and possess governance rights in the association, without more, are sufficient to plead the element of conspiracy in violation of Section 1 of the Sherman Act, 15 U.S.C. § 1, as the Court of Appeals held below, or are insufficient, as the Third, Fourth, and Ninth Circuits have held. ii PARTIES TO THE PROCEEDINGS Pursuant to Rule 14.1(b), the following list identi- fies all of the parties appearing here and before the United States Court of Appeals for the D.C. Circuit. The petitioners here and appellees below in both Stoumbos v. Visa Inc., et al., No. 1:11-cv-01882 (D.D.C.) (“Stoumbos”) and National ATM Council, et al. -
Credit Cards and Prepaid Cards
credit cards for greater flexibility driven by you Burgan Bank offers a variety of cards to suit your different needs. Our range includes debit cards, credit cards and prepaid cards. All of these provide you with flexibility and convenience for all your financial transactions. Complete details of each card are available at www.burgan.com cards driven by you For more information on any of our products or services, just visit one of our branches, call us, or log on to our website. Whatever your banking needs, our staff are always ready to help. 24-hour telephone banking 1804080 www.burgan.com atm / visa electron card A flexible debit card that offers • Direct access to funds 24 hours a day, both local and global acceptance. seven days a week Burgan Bank’s ATM / VISA Electron • Cash withdrawal anywhere in the world from all ATMs displaying the VISA, VISA Card functions as an ATM and Debit Electron, MasterCard or K-Net logos card. Swipe your card at over 8,400 • Link all your accounts to one card merchant terminals locally and over • Use your card to withdraw Kuwaiti Dinars 24.6 million worldwide. and US Dollars (US Dollars only available through local Burgan Bank ATMs) • Visit www.burgan.com to find out more about additional card services, such as purchasing mobile phone pre-paid cards, internet access cards, pre-paid credit VISA cards & Burgan’s Maqasa serviceburgan loans • VISA Electron cards are safer than carrying cash. In case of theft or loss, cards can easily be cancelled and replaced accepted locally and globally VISA / Mastercard All yo u need Choose a VISA or MasterCard credit card from Burgan Bank for local and global acceptance. -
Merchant Transactions Through Debit Cards – Costs and Prices
http://dspace.library.iitb.ac.in/jspui/handle/100/25218 IIT Bombay Technical Report (September 2020) Merchant transactions through debit cards – costs and prices Ashish Das Department of Mathematics Indian Institute of Technology Bombay Mumbai-400076, India Indian Institute of Technology Bombay Powai, Mumbai-400 076, India Merchant transactions through debit cards Merchant transactions through debit cards Merchant transactions through debit cards – costs and prices* Ashish Das Department of Mathematics, Indian Institute of Technology Bombay, Mumbai 400076 September 22, 2020 Executive Summary 1. To promote small ticket debit card merchant transactions up to Rs 2000, the government during the calendar years 2018 and 2019 made merchant discount rate (MDR) zero for the merchants, and provided banks a monetary support, towards MDR, @ 0.4%. In contrast, effective January 1, 2020, the government made MDR zero for every transaction using RuPay debit cards alone. Neither merchants nor the government paid the banks any MDR for such merchant transactions. However, banks were allowed to impose MDR onto the merchants for every transaction using mastercard/VISA debit cards. The cost to merchants 2. For the period January-July 2020, with about Rs 3.3 lakh crore1 worth of debit card merchant transactions, the government has done away with the merchant’s zero MDR regime on ticket sizes up to Rs 2000, for transactions that were done through mastercard/VISA debit cards. A simple projection implies that merchants would be burdened in the calendar year 2020 in the range of Rs 1000 crore to Rs 2300 crore depending upon the MDR ranging between 0.4% and 0.9% for mastercard/VISA’s sub Rs 2000 ticket transactions, as against nil burden in calendar years 2018 and 2019.