DOCSLIB.ORG

1072 0966.Pdf

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
1072 0966.Pdf FOR 45 YEARS, THE LEADING PUBLICATION COVERING PAYMENT SYSTEMS WORLDWIDE SEPTEMBER 2015 / ISSUE 1072 Global General Purpose Cards — Midyear 2015 Credit, debit, and prepaid cards carrying Visa, UnionPay, MasterCard, American Express, JCB, and Diners Club/Discover brands generated $9.879 trillion in purchase volume of goods > see p. 11 PURCHASE VOLUME Rewards/Loyalty Platform for Europe’s SMBs Middle East/Africa Izicap offers a cloud-based platform acquirers use to offer small and midsized businesses (SMBs) rewards and loyalty programs, Market Shares as well as analytics to support marketing campaign management. of $286.71 Bil. in Purchase Volume 2014 > see p. 6 Featurespace Machine Learning Fraud Fighting 57% 39% 3% 1% Predictive models using adaptive behavioral analytic tools operating on a machine learning-based platform is the business Visa MasterCard Amex Diners of fraud fighter Featurespace. The company says that card issuers 78 > see p. 10 Change in Basis Points Chase Freedom Mobile App 2014 vs. 2013 Chase Freedom is a cash back credit card product available since -14 2003 from the largest credit card issuer in the world. Cardholders -32 -32 earn 1% cash back from most card purchases and 5% in select > see p. 5 Purchase Volume ($Bil.) in 2013 vs. 2014 CashStar Private Label Prepaid Visa 136.9/162.1 A Series D funding round led by FTV Capital has brought another MasterCard 97.4/112.9 $15 million to private label prepaid card provider CashStar. Amex 8.1/8.6 Total venture funding in CashStar has reached $50 million. The Diners 3.0/3.1/3.1 > see p. 12 © 2015 The Nilson Report Mobile Payments in Austria Payment Services Austria (PSA), which is owned by Austrian banks, provides debit card issuing and ATM acquiring services in Austria. Cards in the Middle East and Africa PSA outsources debit card account processing to Switzerland-based Credit, debit, and prepaid cards issued in the Middle East > see p. 8 and Africa region with the MasterCard, Visa, American Express, and Diners Club brands generated $786.32 billion U.S. Commercial Cards — Part 3 in total volume in 2014. This included purchases for goods Commercial and consumer credit, debit, and prepaid general and services as well as cash transactions at ATMs and purpose cards in circulation in the U.S. in 2014 combined to over the counter at branches. Total volume grew 16.3% generate $4.440 trillion in purchases of goods and services. from 2013. Purchase volume for good and services only > see p. 9 > see p. 7 INSIDE 2 – 4 Fast Facts CHARTS 7 Middle East/Africa General Purpose Cards 2014 vs. 2013 5 PerformLine Marketing Compliance Platform 9 Purchase Volume U.S. Cards 2014, Consumer & Commercial 8 Zazoo Mobile Virtual Cards 11 Purchase Transactions on Global General Purpose Cards 10 Merchant Litigations Update Midyear 2015, Credit and Debit © 2015 HSN Consultants, Inc. THE NILSON REPORT VISIT US ONLINE AT WWW.NILSONREPORT.COM CONSUMER FINANCIAL PROTECTION BUREAU has BANK OF AMERICA is promoting two new MasterCard fined Fifth Third Bank $500,000 and required it to provide credit cards to passengers of Amtrak. The Amtrak Guest Re- an estimated $3 million in relief to eligible cardholders for wards World MasterCard offers a complimentary companion deceptive marketing practices associated with insurance coupon, one class upgrade, and a single-day Club Acela pass products that promised to cancel payments owed due to job when accounts are opened, 20,000 Amtrak Guest Rewards loss, disability, hospitalization, or other hardship. Fifth Third bonus points after spending at least $1,000 within 90 days is the 11th U.S. issuer to be fined by the CFPB for deceptive of account opening, 3 Amtrak Guest Rewards bonus points marketing practices of credit card add-on products. for every $1 spent with Amtrak, and more. Michael Simpson is Executive for Co-Brand Partnerships BLUE STAR PAYMENT SOLUTIONS has become the at Bank of America, (302) 432-0511, michael.simpson@ FAST preferred processing partner of ParkHub.com’s Prime bankofamerica.com, www.bankofamerica.com. mobile POS platform. Jerry Mooty is President at Blue Star Payment Solutions, (972) 525-0685, jmooty@bluestarpays. ALLIANCE DATA SYSTEMS will provide private label FACTS com, www.bluestarpays.com. Jarrod Fresquez is CMO at credit cards and support services for Toyota and Lexus in the ParkHub, (214) 663-0505, [email protected], U.S. It will also assume ownership of an existing Visa co- www.parkhub.com. branded card program currently owned by Toyota Financial SEPTEMBER 2015 Savings. Melisa Miller is President, Card Services at KOUNT, a top provider to card-not-present merchants of ISSUE 1072 Alliance Data, (614) 729-4900, melisa.miller@ fraud detection and sales support, has integrated into its alliancedata.com, www.alliancedata.com. SaaS platform Emailage, a technology that gives merchants Objective, the ability to assess and leverage risk based on a user’s VERIFONE’S EMV-compliant, NFC-enabled UX Solutions independent email address. Brad Wiskirchen is CEO at Kount, unattended payment devices have been certified by Moneris (208) 489-3389, [email protected], www.kount.com. reporting for Solutions. Shan Ethridge is VP and GM, North American Rei Carvalho is CEO at Emailage, (480) 226-6822, Financial Services Group at Verifone, (770) 754-3432, 45 years. [email protected], www.emailage.com. [email protected], www.verifone.com. Chris Lee is President of North America Strategic Partnerships at No paid EMERGENT PAYMENTS, formerly Live Gamer, will Moneris, (502) 296-8457, [email protected], advertising. integrate into its payment acceptance platform Optimal www.monerisusa.com. Payments’ Neteller service and Net+ Card Stored Value No sponsored products. Neteller offers more than 100 payment options PAYMENT DATA SYSTEMS’ wholly-owned subsidiary, content of through a single API connection. Emergent Payments FiCentive, is offering a reloadable prepaid card that busi- any kind. focuses on emerging markets. Lorenzo Pellegrino is EVP at nesses can use for disbursements to customers, contractors, Optimal Payments, (646) 595-9212, lorenzo.pellegrino@ and employees. The Stream Prepaid MasterCard, issued optimalpayments.com, www.optimalpayments.com. by Metropolitan Commercial Bank, supports the delivery of Mitch Davis is CEO at Emergent Payments, (917) 671-8201, commissions, rewards, and other payments. Houston Frost [email protected], is SVP, Prepaid Products at Payment Data, (210) 249-4080, www.emergentpayments.net. [email protected], www.paymentdata.com. Conferences & Seminars NFC Solutions Summit 2015: ETA Strategic Leadership Forum Mobey Day 2015: October 14-15, 2015 WSAA Annual Conference: October 7-8, 2015. The Arizona 2015: October 13-15, 2015. The JW 2015. The CosmoCaixa, Barcelona, October 28-29, 2015. The M Resort Grand Resort, Phoenix, Arizona. Marriott Scottsdale Camelback Inn Spain. Estimated attendance: 300. Spa Casino, Henderson, Nevada. Estimated attendance: 250. Cost Resort & Spa, Scottsdale, Arizona. Cost for the two-day conference is Estimated attendance: 1,000. Cost for the three-day conference is Estimated attendance: 450. Cost for $1,508 (+21% VAT). for the two-day conference is $99. $1,020 for members and $1,270 the three-day conference is $1,295. Subscribers to The Nilson Contact Xavier Ayala, President, for nonmembers. Subscribers to Subscribers to The Nilson Report will receive a 25% WSAA, (707) 445-5401, The Nilson Report will receive Report will receive a $100 discount. (Use code MD1525%.) [email protected]. Register at a 20% discount. (Use code discount. (Use code NILSON.) Contact Shalini Sharma at www.westernstatesacquirers. PDDSC.) Contact Bill Rutledge at Contact Del Baker Robertson at Mobey Forum, shalini.sharma@ com. Smart Card Alliance, (212) 866- ETA, (202) 828-2635 x204, dbaker@ mobeyforum.org. Register at 2169, [email protected]. Register at electran.org. Register at http://mobeyday.com. www.nfcsolutionssummit.com. www.electran.org/slf15. 2 VISIT US ONLINE AT WWW.NILSONREPORT.COM Order Back Issues / Preview Upcoming Conferences / View Newsletter Archive 1 VISIT US ONLINE AT WWW.NILSONREPORT.COM Order Back Issues / Preview Upcoming Conferences / View Newsletter Archive Seventh Edition NACHA’S Payments Innovation Alliance has formed a team to explore topics 7th Edition related to mobile wallets, including best practices, provisioning and accep- Figures Largest tance issues, and implementation challenges. The Alliance has more than 200 include cards member organizations. George Throckmorton is Managing Director, Advanced Payments Solutions at NACHA, (804) 737-8200, [email protected], in circulation www.nacha.org. Card Issuersand and spending VISA has designed a biometric specification that can be integrated with EMV for Merchant Acquirerschips to support “match-on-card” authentication. Absa Bank in South Africa credit Over 1,000* Card Issuers will use it at ATMs, where cardholders will use a fingerprint reader rather & debit from 115 countries in all world regions than a PIN. John Sheets is Senior Director of Risk Products at Visa, (415) 805-4078, [email protected], visa.com. card *includes over 700 outside the U.S. SAM’S CLUB, a division of Wal-Mart Stores and the 8th largest U.S. issuers retailer, will accept American Express cards beginning October 1, 2015. Anré Williams is President, Global Merchant Services at American Express, (212) 640-8809, [email protected], www.americanexpress.com. 275* Merchant AcquirersWorldwide from 65 countries in all world regions a 2015 Nilson Report Publication MUFG UNION BANK in the U.S. has launched a commercial card program *includes over 190 outside the U.S. offering Purchasing, T&E, ePayables Virtual Cards, and other products. The © HSN Consultants Inc. 2015 THE NILSON REPORT, www.nilsonreport.com/specialreport. Reproducing or allowing reproductioncards are MasterCard branded. Ray Fattell is Head of Product and Innovation or dissemination of any portion of this document in any manner is a copyright violation subject to substantial fines. for Transaction Banking at MUFG Union Bank, (646) 452-4782, in [email protected], www.unionbank.com/commercialcards.
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....................................................................................................
    [Show full text]
  • Bank of Russia
    12 Neglinnaya Street, Moscow, 107016 Russia 8 800 300-30-00 www.cbr.ru News List of credit institutions with appointed authorised representatives of the Bank of Russia 10 December 2020 Press release As of 1 December 2020, authorised representatives of the Bank of Russia, acting in compliance with Article 76 of Federal Law No. 86-FZ, dated 10 July 2002, ‘On the Central Bank of the Russian Federation (Bank of Russia)’ were appointed to 112 credit institutions. No. List of credit institutions with appointed authorised representatives of the Bank of Russia Reg. No. Central Federal District Moscow and the Moscow Region 1. AO UniCredit Bank 1 2. BCS Bank AO 101 3. CentroCredit Bank 121 4. JSC RN Bank 170 5. HCF Bank 316 6. Bank GPB (JSC) 354 7. Bank IPB (JSC) 600 8. JSC Post Bank 650 9. PJSC Moscow Industrial bank 912 10. VTB Bank (PJSC) 1000 11. PJSC Plus Bank 1189 12. AO ALFA-BANK 1326 13. Vozrozhdenie Bank 1439 14. Sberbank 1481 15. Timer Bank (JSC) 1581 16. SDM-Bank PJSC 1637 17. PJSC MOSOBLBANK 1751 18. Inbank, Ltd 1829 19. FORA-BANK 1885 20. Joint stock Company commercial bank Lanta-Bank 1920 21. CREDIT BANK OF MOSCOW 1978 22. Peresvet Bank (PJSC) 2110 23. Cetelem Bank Llc 2168 24. Bank Otkritie Financial Corporation (Public Joint-Stock Company) 2209 25. TRANSKAPITALBANK 2210 26. Banca Intesa 2216 27. QIWI Bank (JSC) 2241 28. PJSC MTS Bank 2268 29. PJSC ROSBANK 2272 30. PJSC BANK URALSIB 2275 31. JSC Russian Standard Bank 2289 32. Absolut Bank (PAO) 2306 33.
    [Show full text]
  • 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.
    [Show full text]
  • Ecommerce Connectors Overview
    eCommerce Connectors Overview Global Coverage September 24th, 2021 Global Coverage eCommerce Connectors Overview eCommerce Connectors Overview The eCommerce Connectors Overview is an alphabetical listing of all the connectors in the ACI global network. Card acquirers are listed first, followed by alternative payment methods. Listings include each connector’s main office location(s). Card Acquirers CONNECTOR NAME FINANCIAL LICENSES ISSUED IN Absa Bank | Absa Bank Limited South Africa Abu Dhabi Islamic Bank | Abu Dhabi Islamic Bank (ADIB) United Arab Emirates [UAE] acquiring.com | Trust Payments (Malta) Limited United Kingdom [UK] AIB Merchant Services | First Merchant Processing (Ireland) DAC Ireland Al Rajhi Bank | Al Rajhi Bank Saudi Arabia Alfa Bank, OJSC Russia Aman Bank Libya American Express | American Express International Inc. United States of America [USA] American Express Company (KSA) Saudi Arabia ANZ Bank | Australia and New Zealand Banking Group Limited Australia Arab African International Bank (AAIB) Egypt Arab National Bank Saudi Arabia Atlas Banka AD Montenegro Bambora | Bambora AB Sweden Banco Bilbao Vizcaya Argentaria (BBVA) Spain Banco de Oro, BDO Unibank, Inc. Philippines Banco Nacional Ultramarino (BNU) Macau Banco Sabadell | Banco de Sabadell, S.A. Spain Bank AlJazira | Bank Al Jazira Saudi Arabia Bank Asya Turkey Bank Audi Lebanon Bank Central Asia (BCA) Indonesia Bank Denamon Indonesia Bank Frick & Co. AG | Ceevo Financial Services (Malta) Limited Liechtenstein Bank Internasional Indonesia (BII) Indonesia Bank Islam Malaysia Berhad (BIMB) Malaysia Bank Muscat Oman Bank of America Merchant Services United States of America [USA] Bank of New Zealand New Zealand Bank of Queensland Australia Bank of the Philippines Islands (BPI) Philippines © September 24th, 2021 ACI Worldwide.
    [Show full text]
  • 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.
    [Show full text]
  • U.S.$ 2,500,000,000 Programme for the Issuance of Loan Participation Notes to Be Issued By, but with Limited Recourse To, Russian Standard Finance S.A
    U.S.$ 2,500,000,000 Programme for the Issuance of Loan Participation Notes to be issued by, but with limited recourse to, Russian Standard Finance S.A. for the sole purpose of financing loans to Joint Stock Company "Russian Standard Bank" Under the Programme for the Issuance of Loan Participation Notes (the "Programme") described in this base prospectus (the "Base Prospectus"), Russian Standard Finance S.A., a public limited liability company (société anonyme) established under the laws of the Grand Duchy of Luxembourg whose registered office is at 2, Boulevard Konrad Adenauer, L-1115 Luxembourg, registered with the Register of Commerce and Companies of Luxembourg under number B 107.255 (the "Issuer"), subject to compliance with all relevant laws, regulations and directives, may from time to time issue loan participation notes (the "Notes") on the terms and conditions set out herein, as such terms and conditions are supplemented by a final terms (each a "Final Terms") for each issue or in a separate prospectus specific to such issue (the "Drawdown Prospectus") as described under "Supplemental Base Prospectus and Drawdown Prospectus" below. In the case of Notes which are the subject of a Drawdown Prospectus, each reference in this Base Prospectus to information being specified or identified in the relevant Final Terms shall be read and construed as a reference to such information being specified or identified in the relevant Drawdown Prospectus unless the context requires otherwise. The aggregate principal amount of Notes outstanding under the Programme will not at any time exceed U.S.$ 2,500,000,000 (or the equivalent in other currencies).
    [Show full text]
  • 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.
    [Show full text]
  • Russian Standard Finance15.Pdf
    A13.4.1 A13.4.5 A13.4.9 A7.1.1 U.S.$200,000,000 A13.1.1 8.875 per cent. Loan Participation Notes due 2015 with an interest rate step up in 2010 A9.1.1 issued by, but with limited recourse to, A9.4.1.1 Russian Standard Finance S.A. for the sole purpose of financing a subordinated loan to Closed Joint Stock Company RUSSIAN STANDARD BANK Issue Price: 100 per cent. Russian Standard Finance S.A. (the “Issuer”), is issuing an aggregate principal amount of U.S.$200,000,000 8.875 per cent. Loan Participation Notes due 2015 with an interest rate step up in 2010 (the “Notes”) issued by, but with limited recourse to, Russian Standard A13.4.2 Finance S.A. (the “Issuer”) for the sole purpose of financing a subordinated loan (the “Subordinated Loan”) to Closed Joint Stock Company Russian Standard Bank (“RSB”) on the terms of a subordinated loan agreement dated 14 December 2005 (the “Subordinated Loan Agreement”) between the Issuer and RSB. The Notes will be constituted by, be subject to, and have the benefit of, a trust deed to be dated 16 December 2005 (the “Trust Deed”) between the Issuer and Deutsche Trustee Company Limited as trustee (the “Trustee”) for the benefit A13.4.11 of the Noteholders (as defined in the Terms and Conditions of the Notes). In the Trust Deed, the Issuer will charge, in favour of the Trustee, by way of a first fixed charge as security for its payment obligations in respect of the Notes and under the Trust Deed, certain of its rights and interests under the Subordinated Loan Agreement and the Account (as defined in the Trust Deed).
    [Show full text]
  • World Bank Document
    A PARTNER OF CHOICE FOR RUSSIAN COMPANIES Global expertise Public Disclosure Authorized Local know-how We Help Our Clients Succeed In a Changing World IFC in Russia Russia became a member of IFC in 1993. Over the past 17 years, IFC’s investment in Russia has totaled $5.3 billion, including $1.5 billion in syndicated loans, in 217 projects across a variety of sectors. Our current committed investment portfolio in Russia is $2.24 billion, which makes it the fourth largest country exposure for IFC globally. Our investments support key sectors, including financial services, infrastructure, manufacturing, oil, gas and mining, telecommunications and information technologies, agribusiness, retail, and health care. In FY10, IFC invested $770 million in Russia, and our commitments in FY09 were $512 million. IFC’s commitment to the long term success of our clients IFC clients benefit from a broad range of advisory services which help support their long term growth. We provide technical expertise to Russian companies on better production, management and financial risk mitigation, and help link them as efficient suppliers to larger producers. We advise Russian companies and banks on corporate governance and environmental and social issues to help Public Disclosure Authorized them grow their businesses and make them more attractive to investors. We work with Russian banks to introduce new product lines such as financing for energy efficiency and renewable energy projects, and to improve risk management and distressed asset management.. IFC’s commitment to the development of Russia’s private sector Leveraging the expertise of the World Bank Group, IFC has developed strong working partnerships with government agencies, NGOs and key private sector stakeholders to strengthen regulatory foundations and relevant laws that govern private sector development and improve Russia’s business environment, particularly for small and medium enterprises and energy efficient investments of Russian companies.
    [Show full text]
  • ACBA-CREDIT AGRICOLE BANK” Closed Joint Stock Company (Hereinafter Referred to As “The Bank”) for Issuance and Service of Payment Cards
    “ACBA CREDIT-AGRICOLE BANK” CJSC OPERATIONAL TARIFFS (ISSUANCE AND SERVICE OF PAYMENT CARDS) Valid from the 20th December, 2016 1. This document shall establish the fees and commissions (hereinafter referred to as “the Tariffs”) charged by “ACBA-CREDIT AGRICOLE BANK” closed joint stock company (hereinafter referred to as “the Bank”) for issuance and service of payment cards. 2. These tariffs are set on the basis of existing service principles of international banking practice. 3. The tariffs set herein are subject to unilateral change by the bank upon prior notice on the Bank website and/or other public sources, by means posting announcement in a place visible for clients within the bank premises, as well as noticing the clients in the manner stipulated by corresponding contracts. 4. Signing of the template document or contract, developed for a specific service, by the client shall verify the acceptance by the client of these tariffs, as well as separate terms and conditions and rules established by the bank for given services. 5. The terms and conditions for services, operations and transactions, not directly stipulated by these tariffs, however rendered by the bank, shall be established by a contract entered between the Bank and the client and/or internal legal act of the Bank. 6. In specific cases, in the view of the client cash flow, account balances, credit and/or saving deposit history in the bank, business reputation, the loyalty period, tariffs (non standard) preferential to those set herein may be offered. 7. The commissions for the rendered services stated in this document may be charged by the bank unilaterally (unaccepted) from the client bank account, unless otherwise stipulated by the contract entered with the client.
    [Show full text]
  • Visa Europe Operating Regulations — Scheme United Kingdom and Gibraltar 15 October 2016 THIS PAGE INTENTIONALLY LEFT BLANK Summary of Changes Summary of Changes
    Visa Europe Operating Regulations — Scheme United Kingdom and Gibraltar 15 October 2016 THIS PAGE INTENTIONALLY LEFT BLANK Summary of Changes Summary of Changes This Summary of Changes describes revisions that are included in this edition of the Visa Europe Operating Regulations—Scheme—United Kingdom and Gibraltar. Significant revisions are identified by change bars. Visa Digital Enablement Program Background Effective from 20 April 2016, the Visa Digital Enablement Program is available to Issuers. Regulation Changes The following has been added: Section 1.22. Supersedes Member Letter UK 06/16 15 October 2016 VISA CONFIDENTIAL INFORMATION - Member Use Only 3 Visa Europe Operating Regulations—Scheme—United Kingdom and Gibraltar THIS PAGE INTENTIONALLY LEFT BLANK About the Visa Europe Operating Regulations—Scheme—United Kingdom and Gibraltar The Visa Europe Operating Regulations—Scheme—United Kingdom and Gibraltar apply only to Domestic Transactions in the United Kingdom and Gibraltar. The Visa Core Rules and Visa Product and Service Rules and the Visa Europe Membership Regulations will apply to all Transactions involving Members in the United Kingdom and Gibraltar, including Domestic Transactions, unless an exception is provided in the Visa Europe Operating Regulations—Scheme—United Kingdom and Gibraltar. This document must therefore be used in conjunction with the other Visa publications. Interchange Reimbursement Fees for Domestic Transactions are set out in the Interchange Reimbursement Fees, Cash Disbursement Fees and Qualification Criteria Guide. This section describes the purpose and function of the Visa Europe Operating Regulations—Scheme— United Kingdom and Gibraltar. It provides an overview of the structure and contents and explains the stylistic conventions used. Where a translation of the Visa Europe Operating Regulations—Scheme—United Kingdom and Gibraltar is available and in the case of any ambiguities or inconsistencies, the wording, interpretation, intent and meaning of the original version in English will prevail.
    [Show full text]
  • IPG Global Processors List
    2 IBM PAYMENTS GATEWAY ALL ACQUIRERS AND PROCESSORS LISTED IN THIS DOCUMENT ARE INCLUDED IN IBM’S BASE PRICING, EXCEPT FOR THOSE THAT ARE MARKED WITH AN ASTERISK ‘*’. ADDITIONAL CHARGES MAY APPLY FOR ACQUIRERS AND PROCESSORS MARKED WITH AN ASTERISK. IPG Payment Methods & Acquiring Partners for E-Commerce and Billing April 2017 Notes The global coverage information is IBM's best undstanding of our acquirer partners capabilities, at the point in time when the coverage document was produced. But that IBM can not guarantee the accuracy of the information, and that the individual acquirers are free to change this support, at their own discretion. American Express/Braspag¤ The availability of IBM's direct connection to American Express central processing platform and Braspag needs to be confirmed separately for each client. Please contact IBM Payment Gateway for confirmation. Americas Brazil Brazilian Real (BRL) Payment Type Payment Methods Processors & Acquirers - Price Group 1 Processors & Acquirers - Price Group 2 • Visa • American Express (Braspag)¤ • MasterCard • Aura (Braspag)¤ • Diners Club • Cielo (Braspag)¤ • Discover • Elo (Braspag)¤ • Rede • American Express • HiperCard (Braspag)¤ • Aura • Redecard (Braspag)¤ • Elo • Elavon Brazil (Credit Card Processing only) Credit cards • HiperCard • Amex SafeKey • Diners ProtectKey • Cardholder authentication (3D Secure) • MasterCard SecureCode • Verified by Visa • Braspag¤ • Merchant installments on credit cards • Elavon Brazil • Banco do Brasil • Banrisul • Bradesco Online Debit • Banco Itau
    [Show full text]