{"id":1135,"date":"2017-03-28T10:14:54","date_gmt":"2017-03-28T08:14:54","guid":{"rendered":"https:\/\/www.namfisa.com.na\/educates\/?post_type=did_you_know&p=1135"},"modified":"2025-07-19T16:10:47","modified_gmt":"2025-07-19T14:10:47","slug":"skimming-card-devices","status":"publish","type":"post","link":"https:\/\/www.namfisa.com.na\/educates\/skimming-card-devices\/","title":{"rendered":"Skimming Card Devices"},"content":{"rendered":"\t\t
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SKIMMING CARD DEVICES<\/h3><\/span><\/div>
Criminals are able to copy information illegally from the magnetic strip (black strip) on the back of the bank cards, and use this information to steal money.

\n\nThe device used to copy the information is called a skimming device.

\n\nSkimming devices can either be handheld or mounted onto an ATM.

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TRANSACTION LIMITS AND SURCHARGING ON DEBIT & CREDIT CARD PAYMENTS BY MERCHANTS<\/h3><\/span><\/div>
1. INTRODUCTION AND BACKGROUND

\nThe Payments Association of Namibia (PAN) is empowered by the Payment System Management Act, 2003 (Act No.18 of 2003), as amended, section (3) (1) to manage the National Payment System (NPS). With this comes the responsibility to ensure compliance within the NPS to local and international card operating rules and regulations.

\n\nPAN has learned that some merchants are adding a surcharge (additional fee) to card transactions or are setting minimum or maximum transaction amount as a condition for accepting debit or credit cards for payment. Such practices have a negative impact on consumers and are in direct violations of VISA International Operating Regulations (ID#: 111011-010410-0006948 and ID#: 111011-210710-0026405) and MasterCard Rule 5.11.3.

\n\n2. ACQUIRERS AND MERCHANTS
\nAcquirers and Merchants must comply with all card operating rules and regulations to protect the integrity of the payments systems.
\n\nMerchants are reminded that they are required to:

\n\n\u2022 Treat all debit and credit card payments like any other method of payment without additional costs (surcharges) added to the value.
\n\u2022 Honour valid debit and credit cards in their acceptance category regardless of the dollar amount of the purchase.

\n\nAcquiring banks are reminded to ensure:
\n\n\u2022 Merchants do not differentiate methods of payments by imposing a surcharge fee on any card payments.
\n\n\u2022 Merchants do not impose a minimum or maximum purchase amount for the acceptance of card transactions.
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\n3. PAN\u2019S POSITION

\nCarrying around large amounts of cash poses a risk to the individual. With a debit or credit card, you can pay for goods and services in a safe and secure manner. Cards also offer a fast and convenient way to shop. Penalizing consumers for use of payment cards is not only in contravention of card operating rules, but it unfairly shifts the cost of electronic payments onto the consumer.

\n\n4. COMPLAINTS AND PENALTIES

\nThe public is encouraged to report any non-compliance with this notice to PAN. If PAN becomes aware of a merchant\u2019s non-compliance with any operating rules and regulations, PAN may notify the acquirer of such non-compliance and the acquirer must promptly ensure the merchant discontinues the non-compliance practice immediately.

\n\nFailure to comply with this notice, PAN may pursue any remedial measure(s) as provided under Section (16A) (1) of Payment System Management Act, 2003 (Act No.18 of 2003), as amended, or the relevant card operating rules and regulations.

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