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In various fora Bank customers are increasingly complaining about the additional fees for a number of operations. How not to get on Board for quasits?
Banks progressively tightened the verification of not only operations, interlocking them on the basis of "washout" of the law 115-FZ, but also card transactions. So, on Internet forums there are more about getting clients at the Commission for so-called quasi-cash transactions.
most Often lately on an extra fee when making certain familiar operations of complaining customers of Alfa-Bank.
"to Buy lottery tickets of the state lottery came under the Commission, and this alleged transfer. Thus, buying a ticket for 100 rubles, I write off the Commission 500 rubles. I'm terrified," shares new posts Banks.ru ChizovaE (hereinafter, the spelling and punctuation of the authors saved reviews. — Approx. Banks.PY).
"I Use the services of the Bank more than 10 years. Heard that the Bank introduced a fee for quasi-cash transactions, but could not even imagine that it is now impossible in General to use a credit card even to pay for — writes members vladtek. I tried to connect my credit card to pay VK. System for checking the cards off one ruble, and the Bank with me without warning on an empty space took 500 rubles Commission."
the official responses to the clients, the representative of Alfa-Bank indicates that a fee for quasi-cash transactions on credit cards the Bank has installed from 3 September 2018. Such operations of the credit organization will include the transfer to the electronic purse, the payment of traveler's cheques, payments to casinos, buy lottery tickets, and other operations. The Commission for making a quasi-cash transaction is identical to the fee for cash withdrawals. Credit card Bank it is 6.9% but not less than 500 rubles.
"if In doubt, you can learn the operation code after contacting point. Type MCC-code is installed merchant and the acquiring Bank that serves the point of sale. Please note that the Bank is not responsible for the correctness of the settings of the payment terminal at the point of sale," — said in the official response of Alfa-Bank.
it Should be noted that, judging by the reviews, at least for regular customers who complain of unexpectedly written off the Commission, Alfa-Bank gets unnecessarily written off amount.
"the larger the Bank, the more it served retail customers and is operations, the more they can get a Commission for quasits," says a banker from a large Bank.
the New old monster
Quasi-cash transactions actually exist in the banking market. This also applies to Russia. From the Latin word quasi (quasi -) translates as "something", "like", that is, quasi-cash operations are operations like cash withdrawals, but aren't. However, this is exactly the kind of transactions that banks are for some reasons prefer to charge a Commission.
the Representative of a major Bank on condition of anonymity notes that quasi-cash operations inherently need to credit institutions in order to impose the Commission the types of transactions that they for whatever reason don't want to see their clients.
"for Example, the establishment of funds to accounts at online casinos. This in itself is a questionable action, given the existing legislation in Russia. But even if such organizations are not decorated just like online casinos, with the assignment of transactions to their address to quasimaximum the Bank can protect themselves from the headaches," says our source.
According to the Deputy Chairman of the Board of Bank "the East" Alexey Creator now to operations quasits typically include replenishment of virtual wallets, money transfers, purchase of securities, gambling, bets, lottery tickets.
"All these operations the Bank excludes from the calculation of kesbeke (MCC list is specified in the rules of the bonus program). Also, these operations may incur a transfer fee, and they will not be distributed grace-period", — draws the attention of Creator.
development Director b2b products QIWI Alexander Afanasov says that initially quasits was purely technical notion, which was introduced by the international payment system. The list of operations included transactions with specific MCC codes c is a set of specific elements.
"However, over time the term has acquired some different characteristics, the concept has expanded, and, in fact, quasi-cash transactions include all transactions with Bank cards, involving a certain additional Commission charged to the client," says Afanasov.
Quasi all different
Each Bank has its own rules, so the assignment of an operation to kasikeu may be different, says the chief specialist on financial monitoring Rocketbank Tatyana Mineeva.
"Quasi-cash transactions represent transactions with highly liquid assets, that is, those operations that are directly converted into cash. It transfers to Deposit accounts with other banks, buying chips in a casino and traveler's checks, electronic wallets and not only. So the actual MCC codes related to kasikeu (for example, 6051, and 7995), is 1/100 of the real volume of such transactions, says Mineeva. — Directly in the "Rocket" quasi-cash transactions are considered the transactions, the result of which is the receipt of goods or services, and money. Here, for example, is the electronic wallet. In Rosebank the Commission for conducting quasi-cash transactions are not provided, but for such operations the Bank does not calculate, keshbek".
At the same MCC code cash advance in the cash and quasi-cash transactions are not identical, Mineeva says: their codes are 6011 and 6051 respectively.
"Options at different banks differ. Some banks prohibit quasi-cash transactions, others leave them as "payment" services, and others — as "cash withdrawal" with the relevant interest rates, says Mineeva. — If the quasi-cache-operation was performed on the credit card, it may not be taken into account in the grace period".
map View doesn't matter
Restrictions on quasi-cash transactions may involve almost any credit card, experts say.
"In the case of debit cards and quasi-cash transactions are usually associated with a wrap of kesbeke. For example, the customer has 10 thousand rubles, which he transfers to another financial instrument, such as a second debit card, Bank account or debit purse, an account with a Forex trader or bookmaker. It's all the tools, where the money you can then display, including in the form of cash. Thus, the card holder with kasbekar does not complete the purchase of the goods or services for which it should be a reward, but simply chasing money from account to account, and it gets keshbek", — says Alexander Afanasov from QIWI. "To avoid this, banks include similar operations to the category "kvasice" that suggests they hadn't counted kesbeke of it, its termination or, at least, the blocking of the account," he adds.
Information on such restrictions, as a rule, spelled out in the tariffs or in the offer, which is signed by the user (sometimes the acceptance of an offer may look like the need to put a tick in a particular document). If we are talking about the map with kasbekar, you should also see this information in the rules of the bonus program.
"In the case of credit cards the Bank interest is somewhat different: it is important that the customer have made on this card as much as possible transactions. So on credit cards for quasi-cash transactions usually set the defensive Board, each Bank of its size will be different. QIWI is also a fee for transferring money from the electronic purse, for example, on another card, it is 2% of the withdrawal amount and due to the fact that the rest service we are free," Afanasov said.
In relation to credit cards, banks not only can prevent the quasi-cash transaction or to put the barrier of the Commission, and not to grant grace period, warns the head of the legal Department of the project "Conscience" Artem Mishin. "If the customer spends their own resources available in excess of the credit limit, there are practically no restrictions," he says.
payment by installments "Conscience" quasi-cash transactions are those transactions that can be easily converted to cash.
"the Bank is more high-risk operation, therefore, as a rule, we prohibit such operations. But in certain cases a quasi-cash transaction we allowed. For example, when making purchases in some online stores from our partner network that accept funds through "QIWI Purse" — said Mishin.
In the "Conscience" tend not to introduce clients to confusion and do not expose after the fact fees for transactions, just limiting the possibility of making quasi-cash transactions.
Quote is it Possible to challenge
Bankers say that in some cases the customer may challenge the imposition of a fee for conducting quasi-cash transactions. According to the rules of payment systems, the Commission challenged in the event of fraud, technical error or a wrong route by the Bank to the rules of payment systems. Contact associated with accrued commissions directly to the Bank that issued the card on which the transaction occurred, subsequently classified as "quaiches". But here there are nuances.
"If the customer has not made the operation, which the Bank identified as quasits, it can be challenged in accordance with the procedures provided in the Federal law on the payment system and conditions of service of the Bank, — says Artem Mishin from "Conscience." Another point, if the client believes that they conducted the operation in fact is not kwazakele. As banks carry operations to quasits based on the MCC codes that are assigned to a specific merchant to its acquirer in accordance with the rules of payment systems, the Bank that handles the payment, could not affect this information."
In this regard, Mishin advised to know in advance MCC code of the planned operation and to find out with the issuing Bank, are there any restrictions on operations with this code.
"Specific POS terminal is tied to a specific store and payment system "assigns" to store only one payment category (MCC) code. While payment systems there are certain rules under which they assign a point of particular MCC code. For example, if the hotel sells to them water and chips, then this transaction will still be held by the code that belongs to the category of "Hotels" and not "Sale of goods". So if you made a purchase in a conventional shop, a car wash or somewhere else and saw that it had taken the Commission's reason to think, — warns Alexander Afanasov from QIWI. — It's either a mistake on the side of the Bank (POS-terminal through which the payment was made, an incorrect MCC code, then there is a category of commercial enterprise is defined incorrectly), or you are dealing with a kind of malice on the part of the outlet".
Anna DUBROVSKAYA, Banki.ru
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