Sometimes when making non-cash payment transactions at shopping centers or restaurants, we don’t pay much attention to swiping credit or debit cards at cashiers or EDC machines. It could even be that our card was swiped twice during the payment process. If in the past we thought it was safe, not anymore!
Cream Bank explicitly announced the prohibition of double swipe practices in non-cash transactions. For every non-cash transaction we carry out anywhere, credit cards or debit cards may only be swiped once in an Electronic Data Capture (EDC) machine, and not in a cash register.
What is Double Swipe?
A common thing that often happens and without us knowing is the practice of scraping at the merchant’s cash register. This action has the potential to cause data on credit / debit cards to be stored automatically by the store / merchant. Logically, all cards swiped at the cash register can be read and copied on the cash register’s computer card reader. This is dangerous!
What are the Dangers of Double Card Swipe?
Cream Bank assesses that the practice of double swiping of non-cash transactions has the potential to cause theft and misuse of customer card data and information without the customer being aware of it.
Stored data can be misused by merchants without us knowing. Even card data can also be used as a basis for making fake cards or also used for online crime.
The danger of double swipes on credit / debit cards at other cash registers is theft of magnetic card data that is included in skimming mode. Skimming is a method of illegally reading magnetic data on credit or debit cards by modifying payment hardware / software or using a card reader (skimmer).
How it works skimming mode where the data on a credit or debit card will be read automatically, and this data can be used to make dummy or imitation cards which can later be misused to steal victim’s funds.
Rules of Double Swipe Ban?
This prohibition on double swiping of non-cash cards is stated in Cream Bank Regulation No. 18/40 / PBI / 2016 concerning Implementation of Payment Transaction Processing. Its contents, Cream Bank prohibits the payment system service providers from misusing customer data and information as well as payment transaction data and information other than for the purpose of payment processing transactions. Included in this is a prohibition on data retrieval through cashiers at merchants.
Cream Bank urges acquirers (banks or institutions other than banks to collaborate with traders who have the function to process payment transactions and card- using payment instruments (APMK) issued by other parties) to be obliged to ensure traders’ compliance with the prohibition of double swipes to support the protection of public data.
Acquirers are also expected to take decisive action, including by stopping cooperation with traders who are still practicing double swipes. Cream Bank stated that in the interest of reconciliation of payment transactions, traders and acquirers are expected to use other methods that do not involve double swipes.
Do This If Discovering / Experiencing Double Swipe Practices
- When shopping or non-cash transactions, tell the merchant / cashier not to swipe a debit or credit card at the cash register.
- Make sure your credit or debit card is only swiped on the EDC machine. Ask the clerk / cashier if the card is rubbed against other devices, besides EDC, especially if the card’s friction machine is hidden behind the cashier’s desk.
- Facts on the field that often occur namely, the reason the transaction is twice the cash register or EDC because the receipt is not out. Now, make sure everything is only one swipe. If this happens to you, you should immediately report it to Cream Bank.
- Cream Bank will immediately take action on these regulators regarding your reporting.
- Try to check your account balance regularly. If you find a strange money withdrawal transaction, or even find a credit card bill that is not appropriate, immediately report this to the bank concerned.
Starting today, we must understand the dangers of double swipe at both the cash register and the EDC machine. The key to safe non-cash transactions lies with ourselves. Always make sure non-cash payments are made at the EDC machine instead of the cash register and only swipe once. Distribute this information to your friends and relatives to be careful about non-cash transactions.