Reeents fo etn ncars - SEB

Contents

1. Generalrequirements 2

2. Usingthecardinapaymentterminal 2

3. Returningapurchase 5

4. Identificationofpersons 5

5. Terminalresponsecodes 6

6. Descriptionsofacceptedcards 6

Mastercard 7

VISA 8

Maestro 9

VISADebit 10

AmericanExpress® 11

Requirements for accepting bankcards

1AS SEB Pank Tornimäe 2, 15010 Tallinn

Phone 665 5100 E-mail [email protected]


1.Generalrequirements1.1. Themerchantshallundertaketoenabletheclienttopayforgoodsand/orservicesbymeansoftheterminalorcash

registersystem.

1.2. Onlytheclientshallhavetherighttomaketransactionswithacard.Themerchantshallbeobligedtorefusetoacceptthecardifthetransactionisnotmadebytheclient.

1.3. Themerchantshallbeobligedtoauthorisethetransactioninthepresenceoftheclient.

1.4. Themerchantshallnotbepermittedtodividetheamounttobepaidintoseveraltransactionsandreceipts,exceptifthecardholderwishestopayforthetransactionpartiallybycardandpartiallyincash.

1.5. Themerchantshallnothavetherighttomakecashtransactionsbycard.

1.6. Themerchantshallbeobligedtoauthoriseatransactioniftheexpirydateofthecardhaspassedorhasnotyetcomeintoeffect.Inthecaseofapositiveauthorisation,themerchantshallbeobligedtoperformthetransaction.

2. UsingthecardinapaymentterminalCardsthatareacceptedarespecifiedinanagreementbetweenthemerchantandASSEBPank(hereinafterthebank).

2.1 Uponmakingatransactionbyamagneticstripecard,themerchantshallbeobligedtodothefollowing:

2.1.1 Takethecardandnotreturnitbeforethetransactionisfinished.

2.1.2 Visuallychecktheauthenticityofthecardanditsconformitywiththedescriptionofthecardspecifiedinclause6oftheserequirements.Ifthecarddoesnotconformtotherequirements,thetransactionmustbeinterruptedandthecardcannotbeacceptedasameansofpayment.

2.1.3 Iftheterminalorcashregistersystemnotifiesthatthefourlastnumbersenteredforcheck-updonotmatchtheinformationonthemagneticstripe,nottoreturnthecard,identifytheperson,andcallthepolice.Theprintedreceiptshallbepreserved.

2.1.4 Intheeventofanegativeorprohibitingauthorisationcode,interruptthetransactionandactpursuanttotheinstructionsonconductspecifiedinclause5.

2.1.5 Checkthatthecardnumberandcardtypedisplayedonthescreenoftheterminalorcashregistersystemandprintedonthereceiptcorrespondtothenumberofthesubmittedcard.

2.1.6 Ifthetransactionamountisorexceeds100(onehundred)euros(unlessotherwisespecifiedintheagreement)ortherearedoubtsabouttheauthenticityofthecardortheclient,identifythepersonwhosubmittedthecardpursuanttotherequirementsspecifiedinclause4.

2.1.7 Givethereceipttotheclientforsigning.

2.1.8 Checktheidentityofthesignaturesonthecardandthereceipt.Ifthesignaturesdonotmatch,identifythepersonwhosubmittedthecardpursuanttotherequirementsspecifiedinclause4.Ifthecardhasnotbeensigned,themerchantshallauthorisethetransaction,identifytheclient,andasktheclienttosignthecard.Themerchantshallnotbepermittedtoperformthetransactioniftheclientrefusestosignthecard.Inthelatterevent,themerchantshallcanceltheauthorisation.

2.1.9 Giveacopyorduplicateofthereceipt,thecard,andidentitydocumentbacktotheclient.

2.2.Uponmakingatransactionbyasmartcard,themerchantshallbeobligedtodothefollowing:

2.2.1. Enablethecardholdertopersonallyenterthecardinthesmartcardreader.

2.2.2. EnablethecardholdertoenterthePINor,forabiometriccard,thebiometricidentificationofthecardholder,whentherespectivenoticeisdisplayedonthescreenoftheterminal.

2.2.3. Ifmorethanonepaymentfunctionhasbeensavedonthecardchip,enabletheclienttochooseasuitablepaymentfunctionwhentherespectivenoticeisdisplayedonthescreenoftheterminal.

2.2.4. Performthetransactionpursuanttothemanualoftheterminal.Iftheterminalisnotabletoreadthechip,thetransactionshallbeperformedpursuanttothemanualoftheterminalbyusingthecard’smagneticstripe(seeclause2.1.).

2.2.5. IftheclientisidentifiedbyPINandtheidentificationisunsuccessfulbecausethePINlocksitself,thetransactionshallbeinterruptedandthecardcannotbeacceptedasameansofpayment.

2.2.6. IftheclientcanbeidentifiedbyPIN,acopyorduplicateofthereceiptshallbegiventotheclient.Pleasenote!IfthetransactioncanbeperformedbymeansofaPIN,itisnotrequiredfortheclienttosignthereceiptandcheckthedocument.




2.2.7. Ifthetransactionisacceptedbytheclientbyasignature,thereceiptshallbegiventotheclientforsigning.Checktheidentityofthesignatureonthecardandthereceipt.Ifthesignaturesdonotmatch,identifythepersonwhosubmittedthecardpursuanttotherequirementsspecifiedinclause4.

2.2.8. Giveacopyorduplicateofthereceiptandthecardbacktotheclient.

2.3.InstallationrequirementsofPEDs(PINentrydevice)forpointsofsale:

2.3.1. PEDscannotbeinthevisualfieldofvideosurveillancecamerasandshallbelocatedontheclient’ssideoftheservicecounter.

2.3.2. PEDsshallbedirectedatthecardholderandhaveaprotectiveshieldaroundittoguaranteethatthePINcanbeenteredprivately.

2.3.3. ThemerchantshallnotremovetheprotectiveshieldofPEDs,whichareattachedtothedevice.NothirdpartyisallowedtoseeorfindoutthePINinanyotherway.

2.3.4. ThemerchantshallensurethatPEDsareprotectedagainststealingorreplacement.UponanysuspicionofadditionaldevicesorpossibledamagestoaPED,themerchantshallbeobligedtoimmediatelyinformthebankthereof.

2.4.Performingacontactlesspayment.

2.4.1. Meansofcontactlesspaymentcanbeeitherapaymentcard,keyring,wriststrap,oramobilephone.Allofthemneedtohaveasymboldepictingthecontactlesspaymentfeature.Inthecaseofamobilephone,thecontactlesspaymentsymbolisdisplayedonthescreen.

2.4.2. Thesymbolenablingcontactlesspaymentonameansofpayment.

2.4.3. Acontactlesssmartcardisameansofpaymentwithacontactlesspaymentsymboldepictedonitandacontactlesssmartcardtransactionisaneventwheredataareexchangedthroughthemicrochiponthecardbyusingradiosignals.

2.4.4. Ifacontactlesscardandapaymentterminalbothsupportthesmartcardtransaction,aswellasthecontactlesspaymenttransaction,itisuptothecardholdertodecidewhichpaymentmethodtouse.Ifcontactlesspaymentisnotsupported,apaymentterminalmaydirecttheusertoperformthepaymentbyusingachiporamagneticstripe.

2.4.5. Theprincipleofpayingwithameansofcontactlesspaymentisthesameasforaregularcardpayment,wherethemeansofpaymentremainsinthepossessionofthecardholderforthedurationofthetransaction.Theonlydifferenceisthatthemeansofcontactlesspaymenthastobetakenintocontactwithareaderforatleasthalfasecondattheplacewiththesymbolsupportingcontactlesspayment.

2.4.6. Thesymbolsupportingcontactlesspaymentonapaymentterminal/reader.

2.4.7. Beforeperformingacontactlesspayment,thecardholderwillseearegulargreetingonthecardreader.Uponcommencingacontactlesspayment,thescreenofthereaderwilldisplaythesumofthetransactionenteredbythesalesclerkanddirectthecardholdertousethemeansofpayment.Inthecaseofperformingacontactlesspaymentviaamobilephone,thereadermaydirectthebuyertofollowtheinstructionsdisplayedonthescreenoftheirmobilephone.Ifacontactlesscardinformsthereaderthatatransactionmustbeperformedbyreadingthechiporthemagneticstripe,theterminalwillproduceasoundofanunsuccessfultransaction(twopeeps).Thenthebuyerwillhavetofollowtheinstructionsonthescreen.




2.4.8. Paymentterminalshavetwoaudio-visualsignalsforinstructingtheuserofameansofcontactlesspaymentinperformingatransaction–thesoundofasuccessfultransaction(onelongpeep)andthesoundofanunsuccessfultransaction(twopeeps).

2.4.9. Thetransactionsperformedbyusingameansofcontactlesspaymentaredividedintotwocategories.Thisdecisionismadebytheterminal:

• Transactions performed by using the ‘touch and buy’ procedure that do not exceed the authenticationlimitofthecardholder.Asalesclerkwillnotprintoutareceipt,unlessrequestedsobythecardholder.NoauthenticationprocesswithaPINcodeorsignatureisconducted.Ifapaymentismadebyusingthemobilephoneapplication,theauthenticationofthecardholderisconductedviaamobilephone.

• Transactionsexceeding theauthentication limit of the cardholder.A sales clerkwill print outa receipt, ifrequestedsobythecardholder,andthetransactionisconfirmedwithasignature,PINcode,orviaamobilephone.

NB!VisaContactlessPaymentSpecification

Iftheterminalprintsareceiptandthereceipthasasignatureline,thesellermustaskforthecardholder’ssignatureonthereceiptandindicatethedocumentnumber.

Theterminalthenasksthesellertoverifytheauthenticityofthesignatureonthereceiptcomparedtothesignatureonthecard.Messagesaredisplayed–pressYESorNO.Ifthesignatureiscorrect,pressYESandthetransactioniscomplete.Ifthesignatureisincorrect,pressNOandtheterminalwillcancelthetransactionandprintanerrormessage.Theterminalalsocancelsthetransactionevenifthesellerdoesnotpresseitherkeyandtheterminal’swaitingtimeisover.Beforethenextclient’stransactionbegins,theterminalprintsanerrormessage–‘notransaction’.

Itisimportanttofollowthemessagesoftheterminaltoavoidtheautomaticcancellationofthetransactionthathasalreadytakenplace!

2.4.10.Cancellationisperformedonthemeansofpaymentthatwasusedfortheoriginalpurchaseandisexecutedbytouchingthereaderwiththecard.Signingthereceiptforthecardholderisnotnecessary.

2.4.11. Acontactlesspaymentreceipthas‘Contactlesspayment’writtenonitoritisreflectedonthereceiptwithacontactlesspaymentsymbol.

2.4.12.Foranundisturbeduseofameansofcontactlesspayment,salesclerkshavetofollowthefollowinginstructions:

• thepaymentterminal/readershallfacethepayer;

• thepaymentterminalshallnotbeinstallednearelectricaldevicesormetalobjectsthatcaninterferewiththedatatransferrelatedtoatransaction;

• the sales clerk shall begin the contactlesspaymentbyentering the sum to enable theperformanceof atransaction.

Contactlesstransactionsshallbesenttoprocessingeverydayornolaterthantwodaysaftertheauthorisationofatransaction.

Signalsontheterminal

InEnglish InEstonian

Welcome Teretulemast

PresentCard Kasutagekaarti

CardreadOK Kaardilugemineõnnestus

RemoveCard Eemaldagekaart

Seephoneforinstructions Järgigejuhiseidtelefonilt

Authorising.Pleasewait… Autoriseerin.Palunoodake…

EnterPIN SisestagePIN

Approved Kinnitatud

Declined Tehingontagasilükatud

Ifduringthecardauthorisationthemerchantreceivesanegativenoticeoraprohibitingauthorisationcodefromthebank,themerchantmustgivetothecardholderarespectivereceipttoconfirmthefailureofthetransaction.




3. Returningapurchase3.1. Iftheclientreturnsapurchase,thetransactionshallbecancelledpursuanttothemanualoftheterminalorthecash

registersystem.

3.2. Ifthecancellationofthetransactioncannotbeperformedbyusingtheterminalorthecashregistersystem,anapplicationshallbesubmittedtothebankrequestingthecancellationofthetransactionalongwiththereceiptsubjecttocancellation.

4. Identificationofpersons4.1. Uponidentificationofpersons,thefollowingshallbechecked:

• whetherthepersononthephotoofthedocumentisthepersonwhosubmittedthecard;

• whetherthenameofthepersonwhosubmittedthecardcorrespondswiththenameonthedocumentor,ifnonameisgiven,whetherthesignatureonthereceiptmatchesthesignatureonthedocumentandcard;

• whetherthesignatureofthepersonwhosubmittedthecardonthereceiptmatchesthesignatureonthedocumentandcard;

• whetherthedocumentisstillvalid;

• whetherthedocumentisdamaged;

• themerchantmayrefusetoperformthetransactionifthereareanydoubtsabouttheauthenticityofthedocument.

4.2.Fortheidentificationofaperson,thefollowingdocumentsareaccepted:

• passportorIDcardoftheRepublicofEstonia;

• passportorIDcardofaforeignstate;

• diplomaticpassportordiplomaticcard;

• alien’spassportoftheRepublicofEstoniaortravelpassport;

• Estoniandrivinglicence(plastic);

• seafarer’sdischargebook;

• internationaldrivinglicence(plastic).

Aninternationaldrivinglicenceshallincludethefollowinginformation:

• ‘DrivingLicence’inEnglishor‘PermisDeConduire’inFrenchwrittenonthedocument;

• issuerofthedrivinglicence;

• name,dateofbirthorpersonalidentificationcode,andsignatureoftheuser;

• photo;

• expirydate;

• serialnumber.

4.3.Uponpaymentwithachild’sbankcardorabankcardissuedtoachild,thefollowingdocumentsareaccepted:

• studentcard(uponapurchasenotexceeding100euros,unlessotherwisespecifiedintheagreement);

• uponapurchaseexceeding100euros,apassportorIDcardissuedtothechild;

• drivinglicenceordocumentslistedinclause4.2submittedwithaparent.

4.4.Ifapersonisidentifiedonthebasisofanidentitydocument,thefollowingdetailsofthedocumentshallbewrittenonthereceipt:

• nameofthedocument;

• documentnumber;

• personalidentificationcode,ifpossible.

• inthecaseofastudentcard,thenameoftheschoolthatissuedthestudentcard

Ifapersonisidentifiedonthebasisofaninternationaldrivinglicence,thefollowingdatashallbewrittenonthereceipt:

• nameofthedocument;

• countryofissue;

• serialnumberofthedocumentand/or,intheabsencethereof,thepersonalidentificationnumberofthedocumentuser.




5. TerminalresponsecodesCode Meaning Code Meaning

00 Approved 59 Suspicionofforgery

01or02 Contactthebankthatissuedthecard 61 Thesumlimithasbeenexceeded

03 Unknownterminal 62 Cardwithlimitedrights

04,07or200Removethecard 65 Thenumberoftimeshasbeenexceeded

06 Error 75 ThenumberofPINattemptshasbeenexceeded

12 Notransaction 93 Thetransactioncannotbecompleted

13 Noamount 96 Systemerror

14 Invalidcard N3 Cashwithdrawalisnotallowed

15 Nocardissuer Q1 Cardauthorisationfailed

19 Repeattheoperation 100or116Nosalesauthorisation

21 Nooperation 101 Expiredcard

41 Lostcard 106 CardPINlocked

43 Stolencard 109 Unknownterminal

51 Insufficientfunds 111 Unknowncard

54 Thecardhasexpired 112 WrongPIN

55 WrongPIN 205 Callthepolice

57 Thetransactionisnotallowedwiththiscard 918 Tryagain

58 Thetransactionisnotallowedwiththisterminal

5.1.Themerchantshallbeobligedtotakethecardfromthepersonwhosubmitteditifthecardhasbeenstolen,lost,forged,orhasfallenintothepossessionofathirdpersoninanyotherway,andinformthebankofthecardandcallthepolice.Thepersonwhopresentedthecardshallbeidentified,ifpossible.Themerchantshallreturntotheclientthecardthathasexpiredordoesnothavesufficientfundsontheaccountrelatedtoit.

6. DescriptionsofacceptedcardsAcardcannotbeacceptedasameansofpaymentif:

• thecarddoesnotmeetthedescription;

• theinformationonthefrontofthecardisnotvisible;

• thesignaturestripeontheoverleafisdamaged,scrapedand/ortheword‘VOID’isvisible;

• theclienthasnotsignedthecardontheoverleafandrefusestodoso.Ifthecardhasnotbeensigned,themerchantshallauthorisethetransaction,identifytheclient,andasktheclienttosignthecard.Ifthesignatureonthesignaturestripeofthecardmatchesthesignatureonthedocumentandreceipt,themerchantmayperformthetransactionuponpositiveauthorisation.




Mastercard

Contactlesspaymentsymbol DebitMastercardhologram

Biometriccardshavethe‘Biometric’labelonthem.Thecardholderisauthenticatedusingabiometricsensoronthecard.

1. Mastercardlogo

• TheMastercardlogoislocatedonthefrontsideofthecard.

• TheMastercardlogoislocatedbeloworabovethehologramandissurroundedwithalinealsoincludingthehologram.

• Thelogomustbeprintedonthecard.

• AcardthathasbeenissuedintheUnitedStatesorCanadamighthaveaDinersClublogowiththephrase‘DinersClubInternational’locatedontheupperedgeofthecard.

2. Hologram

• TheMastercardhologram‘TwohemispheresoftheEarth’islocatedonthefrontorbacksideofthecard.

• Thehologramismultidimensional.Fromoneangle,thetwohemispheresoftheEarthcanbeseenwithMastercardprintedinthebackground.

• Ifthehologramislocatedonthefrontsideofthecard,thelastfourdigitsofthecardhavebeenreliefprintedonthehologram.

3. Cardnumber

• TheMastercardnumberbeginswith2or5andhas16digits.

• Cardnumbershavebeenreliefprintedorflatprintedonthecardandgroupedbyfour.

• Belowthefirstfourreliefprintedorflatprinteddigitsofthecardnumber,thesamedigitsmaybeprinted,butnolongerhavetobe.

4. Cardholder

• Thenameofthecardholder(andthecompany’snameifitisacompanycard)hasbeenreliefprintedorflatprintedonthecard.

5. Term

• Thetermofthecardhasbeenreliefprintedorflatprintedonthecard.Forexample,theterm12/18indicatesthatthecardisvaliduntiltheendofDecember2018.

6. Signaturepanel

• Newcardsissuedfrom12April2019maylackthesignaturepanelanditisnolongerrequired.

• Thecheckdigitcanbeseparatelymarkedonthewhitestripe.

• Thelastfourdigitsofthecardnumbernolongerhavetobeprintedonthesignaturepanel.

• Thesignaturepanelcannotbedamagedorscrapedandtheword‘VOID’cannotbevisible.

7. Checkdigit

• Acheckdigitisthelastthreedigitsonthesignaturepanel;itcanbeseparatelymarkedonthewhitestripe.

8. Chip

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8

7

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6




VISA

Contactlesspaymentsymbol

1. Logo

• TheVisalogoiswhiteanditislocatedintheupperorlowerrightcorner,ortheupperleftcorner.

• Thelogoisprintedonthecard.

• Theimage‘V’isvisibleonthelogoinultravioletlight.

2. Hologram

• TheVisahologram‘Theflyingdove’maybelocatedonthefrontorbacksideofthecardorbeintegratedintothemagneticstripe.

• Ifyoutiltthecard,thedoveseemstomove.

• IftheVisahologramislocatedonthefrontsideofthecardandthecardnumberisreliefprinted,thelastfourdigitsofthecardnumberhavebeenreliefprintedonthehologram.

3. Cardnumber

• Thecardnumberbeginswith4andhas16digits.

• Cardnumbershavebeenreliefprintedorflatprintedonthecard.

• Belowthefirstfourreliefprintedorflatprinteddigitsofthecardnumber,thesamedigitsmaybeprinted,butnolongerhavetobe.

4. Cardholder

• Thenameofthecardholder(andthecompany’snameifitisacompanycard)hasbeenreliefprintedorflatprintedonthecard.

• SomeVisacardsmightnotincludethename.Inthecaseofamagneticstripe,comparethesignatureonthereceiptwiththesignatureonthecard.

5. Term

• Thetermofthecardhasbeenreliefprintedorflatprintedonthecard.Forexample,theterm01/18indicatesthatthecardisvaliduntiltheendofJanuary2018.

6. Signaturepanel

• Thelastfourdigitsofthecardnumbernolongerhavetobeprintedonthesignaturepanel.

• Thecheckdigitmustbeprintedonthesignaturepanel.Thecheckdigitcanbeseparatelymarkedonthewhitestripe.


7. Checkdigit

• Acheckdigitisthelastthreedigitsonthesignaturepanel;itcanbeseparatelymarkedonthewhitestripe.

8. Chip

1

32

8

7

54

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Maestro

Contactlesspaymentsymbol Maestrohologram

May be located on the front side of the card

1. Maestrologo

• TheMaestrologoislocatedonthefrontorbacksideofthecard.

2. Cardnumber

• Thecardnumberbeginswith5or6andhaseither12or19digits.

• Cardnumbershavebeenengravedorreliefprintedonthecard.

3. Term

• Thetermofthecardhasbeenengravedorreliefprintedonthecard.Thetermmightnotbeincludedonthecard.Forexample,theterm01/18indicatesthatthecardisvaliduntiltheendofJanuary2018.

4. Cardholder

• Thenameofthecardholder(andthecompany’snameifitisacompanycard)hasbeenengravedorreliefprintedonthecard.Somecardsmightnotincludethename.Inthecaseofacardwithamagneticstripe,comparethesignatureonthereceiptwiththesignatureonthecard.

5. Backofthecard

• Newcardsissuedfrom12April2019maylackthesignaturepanelanditisnolongerrequired.

• Ifthereisasignaturepanel,itcannotbedamagedorscraped.

• Thesignaturepanelcanbewhite,designedbythecardissuer,oraMaestrosignaturepanel,whichincludesadiagonallywritten‘Maestro’inthebackground.

6. Checkdigit

• Thecheckdigitcanbeprintedonthesignaturepanel.

7. Chip

1

2 6

7 34




VISADebit

Contactlesspaymentsymbol

1. VISAlogo

• TheVisalogoiswhiteandcanbelocatedintheupperrightorleftcornerorthelowerrightcorner.

• ‘Debit,whichistheproducttype,hasbeenprintedunderthelogo.

• Theimage‘V’isvisibleonthelogoinultravioletlight.

2. Visahologram

• TheVisahologram‘Theflyingdove’maybeintegratedintothemagneticstripe.

3. Cardnumber

• Cardnumbershavebeenengravedonthecard.

• Thecardnumberbeginswith4andhas16digits.

• Belowthefirstfourengraveddigitsofthecardnumber,thesamedigitsmaybeprinted,butnolongerhavetobe.

4. Term

• Thetermofthecardhasbeenengravedonthecardandislocatedonthefrontorbacksideofthecard.SomeVisacardsmightnotincludetheterm.Forexample,theterm01/18indicatesthatthecardisvaliduntiltheendofJanuary2018.

5. Cardholder

• Thenameofthecardholderhasbeenengravedonthecardandislocatedonthefrontsideofthecard.SomeVisacardsmightnotincludethename.Inthecaseofacardwithamagneticstripe,comparethesignatureonthereceiptwiththesignatureonthecard.

6. Signaturepanel


7. Checkdigit

• Thecheckdigitcanbeprintedonthesignaturepaneloritcanbeseparatelymarkedonthewhitestripe.

8. Chip

1

32

8

7

45

6




AmericanExpress®

Examplesofthelogo

1. Logo

• TheAmericanExpresslogomaybelocatedonthefrontorbacksideofthecard.

• Theregisteredtrademarksymbol®hasbeenmarkednexttothelogoonBlueBoxLinecards.

2. Hologram

• TheAmericanExpresshologramisonlyonBlueBoxLinecards.

3. Cardnumber

• Thecardnumberbeginswith37or34andhas15digits.

• Thefirstgroupofnumbershasfourdigits,thesecondhassixdigits,andthethirdhasfivedigits.

• Cardnumbershavebeenreliefprintedonthecard.

4. Cardholder

• Thenameofthecardholderhasbeenreliefprintedonthecard.

5. Term

• Thetermofthecardhasbeenreliefprintedonthecard.

• ‘Validthru’indicatesthevalidityperiodofthecard.

6. Batchnumber/securitycode

• Afour-digitnumberhasbeenprintedonthefrontsideofthecard.

7. Signaturepanel

• Thebackgroundofthesignaturepanelhaswavylinesborderedwithawhiteedge.

• Thecardnumberprintedonthesignaturepanelmustbethesameasonthefrontsideofthecard.


8. Checkdigit

• Thecheckdigitmeansthelastthreenumbersonthesignaturepanelfollowingthecardnumber.

9. Specialsign‘AX’

• Thespecialsign‘AX’maybeprintedonthefrontsideofthecard.

10.‘Membersince’

• Adouble-digityearnumberindicatingthetimethecardholderhasbeenamemberofAmericanExpressmaybereliefprintedonthefrontsideofthecard.

11.Chip

Exampleofhologramonthefrontofthecard

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6

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5

1

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Reeents fo etn ncars - SEB