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Regulations for the Processing of Card Payments Download REGULATIONS FOR THE PROCESSING OF CARD PAYMENTS. INFORMATION 2019 CONTENTS 1 Debit cards: Maestro and V PAY ____________________________________________________________________________________________________ 3-6 1.1 Security features _______________________________________________________________________________________________________________________________3-4 1.1.1 Maestro ______________________________________________________________________________________________________________________________________ 3 1.1.2 V PAY _________________________________________________________________________________________________________________________________________ 4 1.1.3 Special feature: prepaid cards _____________________________________________________________________________________________________________ 4 1.2 Acceptance _______________________________________________________________________________________________________________________________________ 5 1.3 Verification of Maestro or V PAY cards ________________________________________________________________________________________________________ 5 1.3.1 The debit card is valid if: ___________________________________________________________________________________________________________________ 5 1.3.2 Determination of card manipulations/irregularities ___________________________________________________________________________________ 5 1.4 Processing with POS terminal _________________________________________________________________________________________________________________ 6 1.5 Settlement (submission) of payments via POS terminals _________________________________________________________________________________ 6 2 Credit cards: MasterCard, Visa, JCB & Union Pay ____________________________________________________________________________7-11 2.1 Security features _______________________________________________________________________________________________________________________________7-8 2.1.1 MasterCard __________________________________________________________________________________________________________________________________ 7 2.1.2 Visa ___________________________________________________________________________________________________________________________________________ 8 2.1.3 JCB ____________________________________________________________________________________________________________________________________________ 9 2.1.4 Union Pay ___________________________________________________________________________________________________________________________________ 10 2.2 Acceptance _______________________________________________________________________________________________________________________________________11 2.3 Verification of MasterCard, Visa JCB and Union Pay cards __________________________________________________________________________________11 2.4 Processing with POS terminals _______________________________________________________________________________________________________________ 12 2.5 Settlement (submission) of payments via POS terminals ________________________________________________________________________________ 12 3 Electronic direct debit procedure _______________________________________________________________________________________________ 13-14 3.1 Acceptance of Maestro cards in electronic direct debit procedure _______________________________________________________________________ 13 3.2 Processing with POS terminals _______________________________________________________________________________________________________________ 13 3.3 Settlement (submission) of payments via POS terminal __________________________________________________________________________________ 14 4 Cardholder identification _________________________________________________________________________________________________________________ 16 4.1 Cardholder identification with signature ____________________________________________________________________________________________________ 16 4.2 Cardholder identification with PIN ___________________________________________________________________________________________________________ 16 5 Approval and limits (approval limits) _______________________________________________________________________________________________ 17 6 Informationen for hotels and accommodation providers ___________________________________________________________18-23 6.1 Preamble: charging in the presence of the guest ___________________________________________________________________________________________ 18 6.2 Credit card booking in the absence of the card __________________________________________________________________________________________19-23 6.2.1 Booking an advance deposit ______________________________________________________________________________________________________________20 6.2.2 Charging with guest no-show _________________________________________________________________________________________________________21-22 6.2.3 Additional charges _________________________________________________________________________________________________________________________ 23 hobex AG • Josef-Brandstätter-Straße 2b • 5020 Salzburg T +43 662 2255-0 • F +43 662 2255-399 • M [email protected] • www.hobex.at LG Salzburg • DVR 0660868 • FN 37265b • UID-NR. ATU35185508 PAGE 2 DEBIT CARDS: MAESTRO AND V PAY 1 DEBIT CARDS: MAESTRO UND V PAY Debit cards with the brand Maestro, usable worldwide (PAY NOW cards), are issued under the license of the credit card institution MasterCard. With this Maestro card, which is also referred to as a cashpoint card, the card issuer is in a position to withdraw cash worldwide from cash dispensing machines (ATMs) and to carry out cashless payments at POS terminals (card payment terminals). There is another debit card issued under the brand V PAY, which is licensed by the credit card institution Visa. The V PAY card can also be used world- wide at ATMs and POS terminals. The common characteristic of these cards is that they bear the logo of Maestro and/or V PAY. Otherwise, the design of these cards is open, i.e. they can have various designs. The cards represented here are thus only examples of many. 1.1 SECURITY FEATURES 1.1.1 MAESTRO FRONT SIDE Company/logo of card issuer Chip (optional) Expiry date Account number Name of the cardholder Color Maestro logo either on the top right or lower corner REVERSE SIDE Magnet strips Signature field PAGE 3 DEBIT CARDS: MAESTRO AND V PAY 1.1.2 V PAY FRONT SIDE Color V PAY logo - various placement possibilities including a vertical orientation are possible. An ultraviolent “V” is visible above the V PAY logo under UV light. Chip Card number (optional), electively on the front or reverse side Expiry date Name of the cardholder, optionally on the front or reverse side REVERSE SIDE Magnet strips Signature field 1.1.3 SPECIAL FEATURE: PREPAID CARDS Prepaid cards (cards which are “loaded” with a certain credit) often do not bear the name of the cardholder, but still show the previously mentioned security features. PAGE 4 DEBIT CARDS: MAESTRO AND V PAY 1.2 ACCEPTANCE If the acceptance of Maestro and/or V PAY was selected in the “Card Pay- ment Processing Contract”, then payments may be settled when the card- holder is personally present with his/her card in your business premises and the security features of the card can be checked. That means that, in order to carry out a payment with the card, simultaneously » you (or one of your employees) and ​­ » the cardholder and If even a single one of the- se prerequisites are mis- » the cardholder’s Maestro or V PAY card sing, then no card payment must be present in your business premises. may be carried out. The payments are processed exclusively via POS terminals and/or POS cash register systems which check the validity of the card and the correc- tness of the PIN (Personal Identification Number, or secret code) input- ted by the cardholder. It is also checked via the POS terminal whether the cardholder is permitted to order the payment amount with his/her card. 1.3 VERIFICATION OF MAESTRO OR V PAY CARDS 1.3.1 THE DEBIT CARD IS VALID IF: » it is used before its expiration date » the card bears the signature of the person whose name appears on the front (Note: Prepaid cards often do not have a name on the front) » the card is readable and has not been altered » the card is not blocked 1.3.2 DETERMINATION OF CARD MANIPULATIONS/IRREGULARITIES If you are presented with a card that, for example » does not have all of the security features described above, or » appears to be manipulated (erasures, overwriting) » is not signed then please deny payment with this card. PAGE 5 DEBIT CARDS: MAESTRO AND V PAY 1.4 PROCESSING WITH POS TERMINAL While operating the POS terminal, please follow the directions on the ter- minal display. If that does not suffice, please use the operating instruc- tions that were provided to you during the installation of the POS termi- nal and/or those which you can find at www.hobex.at . Cardholder identification occurs via input of the PIN by the customer. For this purpose, turn the POS terminal in the direction of the customer so that he/she can input the PIN. After the conclusion of the payment transaction, please provide the cardholder with the customer receipt which your POS terminal or POS cash register system produced during this process. Please retain the merchant receipt for your records. A signature from the cardholder is not required. During a malfunction of the POS
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