環滙亞太有限公司 - Global Payments

Global Payments Asia-Pacific Limited

環滙亞太有限公司

VISA / MASTERCARD 及 JCB 信用卡

CARD ACCEPTANCE GUIDE商戶收卡及操作指南

TFHK FL-GP-15-0050 (1ST)Form Size: 240MM X 170MM

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CONTENTS

1. Introduction

2. Card Design and Security Features

3. Acceptance Procedures for Manual Imprinters

4. Acceptance Procedures for Credit Authorisation Terminal ( CAT ) or Data Capture Terminal ( DCT )

5. “Code 10” Authorisation

6. Return and Exchange

7. Card Recovery

8. Chargebacks

9. Fraud Awareness and Prevention

10. Important Telephone Contacts

目錄

1. 簡介

2. 信用卡設計及防偽特徵

3. 使用人手壓印機的收卡程序

4. 使用授權終端機 ( CAT 或 DCT ) 的收卡程序

5. 「密碼十號」授權

6. 退貨和更換貨物

7. 收回信用卡

8. 賬款索還

9. 慎防詐騙指引

10. 重要聯絡電話


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1. INTRODUCTION

This guide gives you simple and concise procedures for completing transactions with Visa, MasterCard and JCB cards.

By following the procedures in this guide, you will be better positioned to minimise risk and fraud, avoid unnecessary operating costs, improve profitability and provide the best possible service to your customers.

Important Note

This guide is not intented to be a definitive statement of merchant obligations and it cannot be used in the case of a dispute or chargeback.

2. CARD DESIGN AND SECURITY FEATURES

Please note the important card specifications and security of the VISA, MasterCard and JCB cards on the following pages.

1. 簡介

本指南扼要介紹 Visa，MasterCard 和 JCB 等信用卡的收卡程序。

按照本指南的程序行事，可以減低貴號所冒的風險和受騙的機會，省卻不必要的經營成本，提高利潤，並可為顧客提供更佳服務。

重要事項

本指南只供商戶参考，並非商戶必須履行的義務，亦不可作為解決簽賬爭議或賬款索還的依據。

2. 信用卡設計及防偽特徵

請仔細参考以下各頁，留意 VISA、MasterCard 及 JCB 等信用卡上的重要規格和防偽特徵。


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VISA CARDCard Face Design 1 - Security Features

卡設計 (1) 的防偽特徵

A three-dimensional hologram depicting a flying dove on the right side of the card卡右面有一隻飛鴿的立體彩色顯像圖

The Chip 晶片

A clear microprinting around the Visa logoVisa商標有清晰的微型印字包圍

Card number 卡號

Cardholder name卡主姓名

Expiry date 到期日

The embossed flyingV must be present凸印斜體V字

A new two-colour (blue and gold) Visa signature panel with larger typeface新的二色 (藍與金 ) 字樣，字體較大。

The pre-printed first four digits of theaccount no. positioned below the firstfour digits of the embossed account no.首四個預印數字在首四個凸印數字之下

3-digit verification value printed on the signature panel after the full or truncated account no.印有全卡號或卡號最後四位數字及一組三位數字代碼


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VISA CARDCard Face Design 2 - Security Features


Redesigned Dove hologram and security features integrated with magnetic stripe 重新設計的保安磁帶連飛鴿立體彩色顯像圖

3-digit verification value moves offsignature panel一組三位數字的代碼移至簽名欄外

Updated tamper evident signature panel design全新的保安簽名欄

The Chip 晶片

The pre-printed first four digits of the account no. positioned below the firstfour digits of the embossed account no.首四個預印數字在首四個凸印數字之下


Expiry date到期日

Card number卡號

Redesigned Visa logo重新設計的Visa商標


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MASTERCARD CARDCard Face Design 1 - Security Features


Back Side of Card 信用卡背面

A three-dimensional hologram on the right side of the card卡右面有立體彩色顯像圖

3-digit validation code shown on the signature panel印有一組三位數字的代碼在簽名欄上

The Chip 晶片

The word “MasterCard” is presented in multi-colour on a signature panel不同顏色的 “MasterCard”字樣印在簽名欄上

Card number 卡號


Expiry date 到期日 A unique security character

appears on the card face卡面有此獨特的防偽字樣

The pre-printed first four digits of the account no. positioned below the first four digits of the embossed account no.首四個預印數字在首四個凸印數字之下


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MASTERCARD CARDCard Face Design 2 - Security Features


Back Side of Card 信用卡背面

Card number卡號

The Chip 晶片

The word “MasterCard” is presented in multi-colour on a signature panel不同顏色的“MasterCard”字樣印在簽名欄上

The pre-printed first four digits of the account no. positioned below the first four digits of the embossed account no.首四個預印數字在首四個凸印數字之下

A three-dimensional hologram on the back side of the card卡背面有立體彩色顯像圖


Expiry date 到期日

3-digit validation code shown on thesignature panel印有一組三位數字的代碼在簽名欄上


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Chip Card Processing 晶片卡處理程序

Key points to be noted while doing chip transactions 以晶片卡交易時要注意的重點

• Look for the presence of chip on the card 先檢查信用卡是否有晶片

Lookout for the chip on the card 晶片信用卡外貌

• If it is a chip card, insert chip card in the direction shown by the terminal – do not swipe

若是晶片卡，可按照圖示的方向將晶片卡插入終端機 - 切勿刷卡

• Chip card must be fully inserted in the reader until the transaction is completed

晶片卡必須完全插入在讀卡器內直至交易完成

• Chip card must remain inserted on the reader until the transaction in complete

晶片卡必須保留在讀卡器內直至交易完成為止

• If a chip card is accidentally swiped on a chip terminal:

若果晶片卡不慎在晶片終端機上刷過

- Terminal will automatically identify it as a chip card

終端機會自動確認卡片為晶片卡

- Terminal will force the cashier to insert chip instead of doing a swipe

終端機會強制收銀員插入晶片卡，而不是把卡刷過終端機

• If terminal request PIN, ask cardholder to enter PIN

若終端機要求個人密碼，可請持卡人輸入個人密碼

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How to verify JCB Credit Card

JCB Card Features

Holographic Magnetic Stripe JCB card features Traditional JCB card features

Different JCB Logos

On JCB Credit Card Except 3-color JCB logo, there are also monochrome JCB logos (“White” and “Silver”), logo printed on foil material will be printed on card face.

Current 3-Color logo

JCB logo

White (Mono) Silver (Mono) Logo printed on foil material

** Previous JCB logo may be present on existing cards. This logo will be completely replaced with current JCB logo by the end of 2018.

Card Issuer’s logo

Chip may be present on card

16-digit JCB card number

Cardholder’s name

Hologram

JCB logo

** JCB Special Embossing Character may not be embossed on card

Expiry Date (MM/YY)

JCB provides the very best in service and support to our 28 million merchants and more than 86 million cardmembers around the world. JCB is already one of the largest and most trusted credit card companies in Japan, and the fourth largest brand in the world. Why not add us to your business and watch it grow? Adding JCB to your business is like opening a window to another level of opportunity.

Some cards may contain Holographic Magnetic Stripe

Traditional Magnetic Stripe

JCB Signature Panel

** No hologram will be present on card if card contains holographic magnetic stripe

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TFHK FL-GP-15-0050 (2nd)Form Size: 240MM X 170MM

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如何辨認全新 JCB 卡

現有 JCB 卡特徵

全息磁帶 JCB 卡特徵傳統 JCB 卡特徵

各種 JCB 標誌

JCB 信用卡標誌除了傳統的 3 色 JCB 標誌外，另有單色印刷 (“白”或”銀”)的 JCB 標誌，以及印於箔材料上的 JCB 標誌。

現行 3 色 JCB 標誌

JCB 標誌

白色 (單色) 銀色 (單色) 印刷於箔材料上的 JCB 標誌

** 部分流通的 JCB 卡可能仍為舊版 JCB 標誌。此舊版標誌將於 2018 年年底被現行標誌完全取代

發卡機構標誌

卡片上可能置有晶片

16 位的 JCB 卡號

持卡人姓名

防偽全息圖

JCB 標誌

** 部分 JCB 卡可能沒有JCB 特殊凸字

有效日期 (西曆月/年)

JCB 正為全球 2800 萬名商戶以及超過 8600 萬名信用卡用戶提供最優質的服務及支援。 JCB 是日本最大、最值得信賴的信用卡公司之一，亦是世界第四大信用卡品牌。何不讓我們在業務發展上助您一臂之力？將 JCB 融入業務，開拓全新機遇。

部分 JCB 卡背面可能載有全息磁帶

傳統磁帶

JCB 簽名帶

** 如卡片背面的磁帶為全息磁帶，全息圖將不會再出現於卡片表面或背面

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TFHK FL-GP-15-0050 (2nd)Form Size: 240MM X 170MM

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3. ACCEPTANCE PROCEDURES FOR MANUAL IMPRINTERS

3.1 Check the Card

- Check the card numbers, expiry date, cardholder’s name and signature on the card. Do not accept a card which has expired or is without a signature or used only at place of origin.

- Check all the other features of the card carefully to see if there is any sign of them having been tampered with or altered.

- If the transaction is below floor limit, check the card numbers against the most updated Joint Card Recovery Bulletin. If the card is listed, do not accept the card and call the Authorisation Centre for assistance immediately.

- Retain the Card until the transaction is completed (obtain the authorisation code and then complete the sales slip and check the signature against the card presented).

- In case of any doubt regarding the card or the cardholder, contact the Authorisation Centre stating that it is a ‘Code 10’ call for assistance.

3.2 Prepare the Sales Slip

3.2.1 The card numbers, expiry date, cardholder’s name and the merchant name must be imprinted clearly on all sales slip copies by the imprinter provided by the Bank. Never write anything in the imprinted area of the sales slip. Pay special attention to the number 6, 8 and 0. If not clearly imprinted, process a new sales slip and destroy the illegible one in the presence of the cardholder.


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3. 使用人手壓印機的收卡程序

3.1 檢驗信用卡

- 檢查卡號、到期日、卡主姓名和卡背的簽名。若信用卡已過期或沒有簽名，或者只可在發卡當地使用者，均不要接受。

- 仔細檢驗卡上所有特徵，驗明是否有任何塗改。

- 若交易低於所訂定的免授權最高限額，應翻查最新的檢卡聯刊，一旦發現該卡的卡號登於該聯刊，不要接受，並立即致電授權中心尋求協助。

- 接過信用卡後，一直保管該卡，待完成所有交易手續後(取得授權密碼、填妥簽賬單和核對卡上簽名後)，才交還顧客。

- 若對信用卡或持卡人有任何懷疑，應聯絡授權中心，要求「密碼十號」服務協助。

3.2 開出簽賬單

3.2.1 必須以銀行提供的壓印機在簽賬單上清楚壓印卡號、到期日、卡主姓名和商戶名稱。切勿填寫或塗改簽賬單上有壓印字樣的位置。應特別留心6、8、和0字。若壓印的字樣模糊不清，應在持卡人面前將該簽賬單銷毀，另外開出一張新的簽賬單。


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3.2.2 Complete the following information on the sales slip.

- transaction date- description of merchandise or service rendered, if any- the related bill or invoice number- total dollar amount of sales (including tips for restaurants)- authorisation code obtained from the Authorisation Centre

3.2.3 Ask the cardholder to sign the sales slip and verify the signature signed on the slip against the signature on the card.

- if the signature matches, complete the sale

- if it does not match, if possible, request the customer to present an identity card for verification before requesting a ‘Code 10’ call from the Authorisation Centre.

3.2.4 Obtain an authorisation code for the sale if the transaction is over the floor limit.

- phone the Authorisation Centre and give the following information

· merchant and outlet number · card number embossed on the card · card expiry date · total amount of sales (including tips) · security code indent printed on the signature panel of the card

- ensure that the authorisation code number obtained from the Bank is inserted into the ‘Authorisation Code’ box clearly.

- ensure that the code is obtained on the transaction date except under special conditions such as Hotel Service or Car Rental.


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3.2.2 在簽賬單填入以下資料

- 交易日期- 貨物或服務詳情- 相關的賬單或發票號碼- 銷售總額(如屬飲食業則包括貼士在內)- 從授權中心取得的授權密碼

3.2.3 由持卡人在簽賬單上簽名，然後核對單上簽名是否與卡上的簽名相符。

- 若簽名相符，可完成交易- 若簽名不符，應先要求顧客出示身份證，以驗明其身份。若顧客

無法證明身份，應致電授權中心要求「密碼十號」服務。

3.2.4 若交易金額超過所定的免授權最高限額，應先取得授權密碼。

- 致電授權中心，提供以下資料

· 商戶及店舖編號 · 卡上凸印的卡號 · 該卡到期日 · 銷售總額 (包括貼士) · 卡背簽名欄印上的保安密碼

- 必須在「授權密碼」一欄清楚填入從銀行取得的授權密碼。

- 除了住酒店､租車等獲得豁免的服務外，授權密碼應在交易日取得。


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- if the transaction is declined and no instruction is issued from the Authorisation Centre to pick up the card, return the card to the cardholder and destroy the sales slip in the presence of the cardholder.

- if the cardholder presents another card, special care must be taken to check the card and follow the acceptance procedure from the very beginning again.

3.2.5 Upon completion of the transaction, return the card and the customer copy of the completed sales slip to the customer. Retain the Bank copy of the sales slip for settlement and keep the merchant copy for records.

3.3 Settlement

- Complete a deposit slip (with the merchant name, account and outlet number imprinted) and total amount and place the sales slips with the deposit slips into a preprinted envelope supplied by the Bank.

- Mail the batch of sales slips to Global Payments Asia Pacific Limited within seven days of the transaction date.

- Payment will be made to the specified bank account under advice.

- A monthly statement of all deposits will be provided by the Bank.


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- 若授權中心不批准交易，但沒有指示需扣起該卡，應將信用卡交還持卡人，並在持卡人面前銷毀簽賬單。

- 若持卡人改用另一張卡，必須特別仔細檢驗該卡，從頭進行收卡程序。

3.2.5 交易完成後，將信用卡和簽賬單的顧客副本交給顧客 ; 保留簽賬單銀行副本以備結算，並保留商戶副本以作紀錄。

3.3 結算

- 填妥一張總存款單 ( 註明商戶名稱､戶口號碼和店舖編號､總金額 )，連同簽賬單一併放入銀行提供的回郵信封內。

- 在交易日期起計七天內。將整疊簽賬單寄往環滙亞太有限公司。

- 銀行會將賬款存入商戶指定的銀行戶口內，並將通知書寄上。

- 銀行將發出月結單，列明所有存入款項。


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簽名相符Signature Matches

Sales Slip 售貨單

Credit Card Back Side信用卡背面

在簽賬單填入以下資料

Complete the following information on the sales slip


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Deposit Slip 入賬單

Merchant Name and No.商戶名稱及號碼

在存款單填入以下資料

Complete the following information on the deposit slip


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4. ACCEPTANCE PROCEDURES FOR CREDIT AUTHORISATION TERMINAL (CAT) OR DATA CAPTURE TERMINAL (DCT)

4.1 Authorisation Process

- Check the card carefully ( same procedures as mentioned under Section 3.1 ).

- Swipe the card steadily through the terminal.

- Compare the embossed card account number and expiry date shown on the terminal display with the card presented. If the numbers match, continue the process, if not, contact Authorisation Centre for a ‘Code 10’ call for assistance.

- Enter the transaction amount and send the on-line authorisation request.

- An authorised approval code will be shown on the CAT display if the transaction is approved. For DCT merchant, the electronic printer will automatically print an approval code on the sales slip.

- Let the customer sign the sales slip and compare the signature with the one on the back of the card. If the signature does not match, ask the customer to show his / her identity document (ID Card or Passport), if possible, for verification and contact the Authorisation Centre for assistance.

- Return the card together with the customer’s copy of the sales slip to the customer.

- If the transaction is declined through the terminal, the merchant should return the card to the customer and request if he / she has another card or if he / she would prefer to complete the transaction by cash.

- In case of any doubt regarding the card or the cardholder during the course of transaction, call for ‘Code 10’ authorisation.

- Ensure to call ONLY Authorisation Centre for any referred transaction. Check the identity of “Caller” who authorise transactions by calling the Authorisation Room, if merchants have doubt.

( For more details on the operations of CAT / DCT. Please refer to the CAT / DCT Terminal Operating Manual).


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4. 授權終端機 (CAT 或 DAT) 的收卡程序

4.1 授權程序

- 仔細檢驗信用卡（與第3.1節程序相同）。

- 穩定地將卡掃過終端機。

- 核對終端機顯示的卡戶口號碼和到期日是否與卡上的凸印號碼和日期相符。若相符，繼續進行交易。若不符，應致電授權中心要求「密碼十號」服務協助。

- 輸入交易金額，並即時透過終端機要求授權。

- 若交易獲得批准，終端機上會顯示授權密碼。若商戶使用DCT，電子打印機會自動在簽賬單印上授權密碼。

- 由顧客在簽賬單上簽名，並核對單上簽名是否與卡背簽名相符。若簽名不符，要求顧客出示身份證明文件 (身份證或護照)，以驗明其身份，並致電授權中心要求協助。

- 若簽名相符，將信用卡和簽賬單的顧客副本交給顧客。

- 若授權中心透過終端機不批准交易，商戶應將卡交還顧客，並查問對方是否有另一張卡可用，若有的話，再從頭進行授權程序。若顧客不準備用另一張卡，可詢問對方是否願意以現金交易。

- 若在交易過程中對信用卡或持卡人有任何懷疑，應致電授權中心要求「密碼十號」授權。

- 若交易在終端機未獲得批准，而需銀行的商戶授權中心回覆以取得授權密碼時，必須確定通話者為銀行職員。如有需要，可再次致電授權中心確認該單交易，以免蒙受不必要的損失。

( 欲知更多關於CAT / DCT 的操作詳情，請參考CAT / DCT終端機操作手冊。)


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4.2 Terminal Failure

- Sometimes ‘Try Again’, ‘Cannot Connect’ or ‘Waiting’ message may be displayed. Reset the terminal and swipe the card again.

- If the terminal repeatedly fails to respond properly, notify Card Centre immediately and complete the transaction using the manual imprinter

(see Section 3, Acceptance Procedures for Manual Imprinters).

4.2 終端機故障

- 終端機有時會顯示 “Try Again” (再試一次)、“Cannot Connect” ( 線路不通 )或 “Waiting” ( 請稍候 ) 等訊息。應註銷先前的輸入，重新再掃卡一次。

- 若終端機一直無法正常運作，立即通知卡業務部，並以人手壓印機完成交易。

( 參考第3部分「使用人手壓印機的收卡程序」 )


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5. ‘CODE 10’ AUTHORISATIONS

The purpose of a ‘Code 10’ authorisation request is to stop or prevent fraudulent transactions.

Merchants may contact the Authorisation Centre for a ‘Code 10’ authorisation request if they suspect that a card has been altered or is counterfeit, or the customer is not the genuine holder.

When merchants make the call, they should have the customer’s credit card and sales slip in hand to answer the operator’s questions.

Once you have completed the call and followed our staff’s instructions, no further action is required. If our staff instruct you to keep the card, do it only by peaceful means. Do not try to detain or arrest the customer. If the customer’s attitude becomes threatening, return the card immediately.

5. 「密碼十號」授權

「密碼十號」授權的作用是阻止或防止詐騙交易。

商戶若懷疑信用卡曾遭塗改或偽造，或者顧客並非真正的卡主，可聯絡授權中心要求「密碼十號」授權。

商戶致電授權中心時，應攜同該信用卡和有關的簽賬單，以便回答授權中心人員查問的資料。

致電要求授權後，只須遵照授權中心人員的指示行事，不必採取其他行動。若中心人員指示商戶扣起該卡，應該客氣有禮地向顧客提出。切勿扣留或拘捕顧客。若顧客語帶威嚇，立即將卡交還對方。


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6. RETURN AND EXCHANGE

On occasion, a cardholder may request to return or exchange the merchandise. The following guidelines are suggested :

- To prevent fraudulent transactions, refunds are to be credited only to the credit card used in the original transaction. For a full refund, prepare a credit slip for the full amount.

- For exchange of merchandise, follow these guidelines:

• Evenexchange.Ifcustomerexchangesmerchandiseforanitemofthe same value, you do not need to process a credit slip.

• Lesservalue.Prepareacreditslipforthedifference.

• Greatervalue.Void theprevious transactionandprocessanewtransaction.

• Cashrefundshouldnotbemadeunderanycircumstances.

6. 退貨和更換貨物

持卡人有時要求退貨或更換貨物，宜遵照以下指引辦理：

- 為防止詐騙，只應將退款存入原本交易所用的信用卡戶口。若悉數退回款項，應開出付款單以支付全部退款。

- 若顧客要求更換貨物，應遵照以下指引辦理：

• 更換同價貨物。若顧客更換相同價值的貨物，不必開付款單。

• 更換較低價貨物。開出付款單以支付差額。

• 更換較高價貨物。註銷原來的交易，當作一項新交易處理。

• 在任何情況下均不應退回現金。


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Please put the Authorized Signature with Company Chop on bank copy請在 " 銀行存根 " 上給予授權人簽署連公司蓋印

Credit Slip退款賬單

Cardholder Signature if necessary如有需要，咭主請於此欄簽署

CHOP


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7. CARD RECOVERY

If you recover a card, follow these steps:

- Advise the customer that you have been instructed to keep the card and inform the customer to call the card issuer for more information. Remember to be courteous.

- If you recover the card, cut the card in half lengthways. Be careful not to damage the hologram, magnetic stripe or embossed account number, because if the card has been altered or is counterfeit, these features are important evidence.

- Notify the Bank that the card has been recovered and ask for further instructions. You may be eligible for a monetary reward.

If a card is left behind by a customer, inform our Authorisation Centre and follow the instructions given.

7. 收回信用卡

若需收回信用卡，應遵照以下步驟進行：

- 告訴顧客你接到指示要扣起他的信用卡，並建議對方致電發卡機構查詢詳情。必須一直保持客氣有禮。

- 收回信用卡後，打直（沿長邊）將卡剪為兩半。切勿損壞彩色顯像圖、磁帶和凸印卡戶口號碼；這些都是驗明該卡真偽的重要證據。

- 通知銀行已收回該卡，並查問進一步指示。你可能獲發獎金。

若顧客遺下信用卡，應通知授權中心，遵照中心的指示辦理。


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8. CHARGEBACKS

8.1 Prevention

A ‘Chargeback’ is a transaction rejected and returned by the card issuing bank to the merchant bank when a dispute or fraudulent transaction occurred. Most of the time, chargebacks are caused by improper procedures conducted at the point of sale. In many cases, the merchant bank will return the transaction to the merchant and request a refund for the chargeback, thus resulting in a loss in business.

Here are some useful guidelines which can help you to prevent unnecessary chargebacks.

- Ensure the cardholder has signed the sales slip properly.

- All details on the card face must be clearly and properly imprinted on the sales slip.

- Do not complete the sale if the signature does not match with that on the card.

- If you have made an error on the sales slip, do not alter the information on the sales slip. Destroy the incorrect sales slip and complete a new one.

- If the card has not been signed, even if the cardholder signs it in your presence, you must verify the signature by checking the cardholder's appropriate identification and also obtain authorisation from Card Centre.

- If a merchant has installed a CAT / DCT terminal, the merchant should compare the embossed card account number against the number printed on the sales slip. If the sales slip displays a different number, it means that the card has been altered.

- Ensure the sales slip is legible, an illegible sales slip may be returned as it may not be processed properly.

- If a terminal has been installed, the merchant must swipe the card through the terminal first before proceeding to obtain an authorisation code from Card Centre by telephone.


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8. 賬款索還

8.1 預防

「賬款索還」是指發卡銀行與商戶發生爭議，或發現詐騙交易，因此發卡銀行不接納交易，並透過商戶銀行要求商戶退款。大部份賬款索還皆由於商戶在銷售時沒有按程序正當行事所致。在許多個案中，銀行會將交易退回商戶，要求商戶退款，使商戶業務蒙受損失。

以下指引能協助你避免不必要的賬款索還。

- 驗明顧客是否已正確地在簽賬單上簽名。

- 卡面所有資料必須正當地清楚壓印在簽賬單上。

- 若簽賬單上簽名與卡背簽名不符，切勿接受該項交易。

- 若在開出簽賬單時出錯，切勿自行塗改簽賬單上的資料。應將該簽賬單銷毀，然後再開出一張新的簽賬單。

- 若信用卡卡背沒有簽名，即使持卡人當著你面前在卡背簽上名字，亦必須檢查持卡人身份，並向授權中心取得授權，以驗明簽名真偽。

- 若安裝了CAT/DCT終端機，商戶應核對卡面凸印的卡戶口號碼是否與簽賬單上所印的號碼相符。若不符，即表示該卡資料曾遭更改。

- 檢驗簽賬單上壓印的資料是否清晰。不清晰的簽賬單會被發卡銀行視為處理不當而退回。

- 若安裝了終端機，商戶必須先將信用卡掃過終端機。如果不獲授權，才致電卡業務部要求授權密碼。


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8.2 Split Sale

Do not use two or more sales slips deliberately to split the sales in o rde r to avoid authorisations. This is a typical ‘split sale’ for the card issuing bank to raise a valid chargeback.

8.3 Missing Imprint

If the cardholder’s account number is found to be illegible, incomplete or omitted transactions processed under this condition are liable to be charged back by the card issuing bank.

8.4 Requested transaction information not received

The card issuing bank may request the sales slip copy from the merchant bank for verification. If you cannot produce the requested transaction copy within the specified period, the transaction will be charged back as ‘Requested transaction information not received’.

Merchants are advised to retain all related transaction documents for at least one year.

8.2 分割交易

切勿用兩張或以上的簽賬單將一項買賣分為多宗交易進行，以省卻授權程序。這是典型的「分割交易」，發卡銀行可有效地索還賬款。

8.3 壓印資料不全

若簽賬單上壓印的卡戶口號碼模糊不清､不完整或沒有印上號碼，發卡銀行有權索還賬款。

8.4 沒有收到指定的交易資料

發卡銀行可能要求商戶交來簽賬單的商戶副本以核實資料。若在指定期間內商戶仍不能交出所要求的副本，發卡銀行可將該項交易列作「沒有收到指定的交易資料」而索還賬款。

商戶應保留所有交易單據至少一年。


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9. FRAUD AWARENESS AND PREVENTION

9.1 For every credit card transaction you must

Retain the card until the – Check that the card has no sign transaction is complete of having been tampered with or altered.

Check account number – Is the number displayed on the terminal the same as that embossed on the card ?

Take an imprint – This records the card details ( not applicable to a Data and proves a card was present

Capture Terminal transaction) at the time of the sale.

Obtain approval code and – You must ‘swipe’ the card if record on the sales draft you have a Credit

( DCT ) Authorisation Terminal (CAT) or Data Capture Terminal

Check signature – Is it similar to the one on the signature panel ?

( If in doubt, ask for an identification document )

9.2 Indicators of counterfeit cards

Security Features (Visa) – Do the first four preprinted digits match the first four embossed digits of the card number ?

– Is the microprinting around the Visa logo clear ?

– Is there a three-dimensional hologram depicting a flying dove on the right side of the card ?


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9. 慎防詐騙指引

9.1 每次接受信用卡交易時，你必須：

保留信用卡直至交易完成為止 – 檢驗信用卡上凸印的字體是否整齊排列？有否塗改

痕跡？

檢查信用卡上的賬戶號碼 – 檢查終端機顯示的卡號碼是否與信用卡上的凸印號碼相同。

用壓印機壓印簽賬單 – 用以記錄信用卡的凸印資料（不適用於電子批核／及證實客人使用信用卡購物付款終端機（DCT）處理的交易）

索取授權密碼並記錄在簽賬單上 – 若設有授權終端機（CAT或 DCT），處理每一項交易時都要使用終端機以獲得授權

核對簽名 – 確保簽賬單上的簽名式樣與信用卡簽名欄內的式樣相符。（如有懷疑，應要求持卡人出示身分證明文件）

9.2 辨別偽卡：

防偽特徵（VISA卡） – 卡面的印刷數字與卡戶口號碼首四個凸印數字相同。

– 環繞VISA商標之微型印字是否清晰？

– 卡面右方是否有一隻飛鴿的立體彩色顯像圖？


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Security Features (MasterCard) – Is there a three-dimensional hologram on the right side of the card?

– When the unique security character "MC" appears on the face of the card, there should be an indent - printed account number followed by a security code on the signature panel.

9.3 Indicators of lost/stolen cards

Signature Panel – Is there evidence of erasure or alteration?

Cardholder Name – Does this appear to match the cardholder’s appearance.

(e.g. : European name, Asian cardholder)

9.4 If you are in doubt or suspicious about the card or card user

- ask the card user for proof of identity and check it carefully.

- call Global Payments 24-hour Authorisation Hotline on 2969 9333 and state clearly ‘this is a code 10 (ten) call’. You will then be advised what to do next.


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防偽特徵（萬事達卡） – 卡面右方是否有一個立體彩色顯像圖？

– 如果卡面上有獨特的凸印字母"MC"，簽名欄必定刻印有與卡面相符之卡號及一組保安密碼。

9.3 辨別失卡：

簽名欄 – 原有簽名欄是否有擦掉或塗改的痕跡？

卡主姓名 – 留意卡面凸印之名字與持卡人之性別或國籍是否相符。舉例，持卡人為亞洲人，但卡上姓名屬於歐洲人。

9.4 如對所收取的信用卡或使用該卡之人士有懷疑，應

- 要求持卡人出示的身分證明文件，並小心核對。

- 致電環滙24小時授權熱線（2969 9333）清楚說明要求「密碼十號 (Code 10)」服務。卡中心職員會指示你怎麼做。


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10. IMPORTANT TELEPHONE CONTACTS

Authorisation Centre 2969 9333

Merchant Service Hotline 2969 9888

CAT / DCT Maintenance Service 2795 8632

Card Fraud Prevention 3529 3555 / 3529 3552

10. 重要聯絡電話

授權中心 2969 9333

商戶服務熱線 2969 9888

CAT / DCT服務 2795 8632

防止詐騙 3529 3555 / 3529 3552


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環滙亞太有限公司 - Global Payments

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Transcript of 環滙亞太有限公司 - Global Payments