If “Call MMB Payment Services” appears on the terminal display, contact the Merchant Service Center. This message means that the transaction requires voice authorization from the bank. In this case, an employee of the customer service center will ask your customer’s representative to provide personal information that will enable his identification (name stamped on the card, place of residence, date of birth, identity or passport document number, or name of the bank that issued the card). In such an event, there are three possible subsequent responses:

• Allow the transaction. The customer service center employee will provide the merchant with an authorization code which must be entered manually at the sales terminal.
• Reject the transaction (the customer’s bank will not approve the transaction).
• Remove the card.

The bank account number can only be changed based on written instruction from the customer. The document contains a signature that corresponds to the signature on the contract that the client concluded with MMB Payment Services. This document must be sent as an original.

The merchant and other persons processing card transactions should follow the Conditions for the Acceptance of Payment Instruments. These conditions are attached to the Card Acceptance Agreement.

Use of the card by a person other than the cardholder is not permitted. The card may only be used by the person whose name appears on the card. This is why the merchant (seller) may not accept any payment using a card that is not held by the person making the payment, even if it is the holder’s spouse. This rule follows from the Act on Electronic Payments and Payment Card Agreements concluded between the bank and the cardholder.

A lost and found card should be returned to the issuing bank or organization whose logo is on the card. The card is the property of the issuing bank, not the person whose name appears on the card.

For the security of the cardholder, the card will be blocked after three unsuccessful attempts to enter the personal identification code; in the case of ATM transactions, the device will keep it. In this case, the point of sale has the right to retain the card. If the card has been blocked or kept, the cardholder should contact the bank that issued the card.

A prepaid card does not require an account with the bank that issued the card (the card has its own special account). Some prepaid cards are not issued to a specific person, which means that they can be used by anyone who signs the card’s signature strip as their user. In order to complete a transaction, a certain amount must first be transferred to the card account. Such a card may be given to a third party as a gift. After the amount available on the card account is used up, additional money can be transferred to the account.

The signature on the card is required by regulations agreed between the bank and the holder. An unsigned card is invalid and must not be accepted by the merchant. Failure to sign the card is dangerous for the cardholder, as this creates the risk that the card will be signed and used by an unauthorized person before it is cancelled. If the merchant receives an unsigned card, he should ask the buyer to sign the card, present proof of identity, and then verify the signature by comparing the details on the card and the identity document presented to him. If the cardholder refuses to sign the card, the seller may not accept payment.

The form of acceptance of a payment transaction depends on many factors, so whether a cardholder is asked to sign or enter a PIN depends on, among other things, the type of card, the rules of the issuing organization, the decision of the issuing bank, and the type and program equipment of the terminal at the point of sale where the transaction takes place. Currently, the number of microprocessor cards that usually require a PIN to confirm a transaction is still increasing.

If in doubt, contact the Merchant Service Center.

POS ID/TID is the terminal number. It is visible on every document printed by this sales terminal in the upper left corner of the receipt below your contact details, or on a sticker on the sales terminal. PLEASE INDICATE THIS NUMBER EVERY TIME YOU CONTACT THE MERCHANT SERVICE CENTER ABOUT THE SALES TERMINAL. It will make it easier and faster to solve the problem.