LOYALTY PROGRAM RULES PRIORPLUS
revised 22.01.2021, effective 29.01.2021
1. Definitions
• Points are conditional units of account accumulated by a Participant in the Loyalty Program in accordance with the Rules, and which may be used by the Participant for exchange for Rewards, according to these Rules. Points cannot be exchanged for money, as they are not a monetary unit or means of payment under the legislation of the Republic of Belarus.
• Bank - "Priorbank" open joint-stock company, located at: Republic of Belarus, Minsk, V. Khoruzhey Str., 31A, financial institution-issuer of Visa cards, participating in the Program.
• Website - the Loyalty Program platform, which is a set of logically linked hypertext information, designed in the form of separate pages and available on the Internet at Plus.priorbank.by, which contains Participants' Accounts and where the processing of Members' requests on exchange of Points for Awards in accordance with these Rules takes place.
• Award - a form of encouragement of Participants expressed in the way of providing a Participant with a discount when purchasing Goods at Partners' outlets, or other benefits contained in the list of Awards at the time of exchanging Points for Awards. The up-to-date list of Awards is posted on the Program Website. The Organizer reserves the right to change the List of Awards without prior notice to Participants.
• Cardholder - a natural person in whose name the Bank issued the Card, which allows participation in the Loyalty Program.
• Card - Visa bank card issued by the Bank, allowing the Cardholder to make non-cash payments for goods and services, receive cash and participate in the Loyalty Program in accordance with its Rules. In the context of participation in the Loyalty Program, this card is considered to be active if the cardholder has performed transactions using it, for which Points are awarded in accordance with these Rules. The following cards are eligible for participation in the Program: Visa Gold, Visa Gold Credit, Visa Infinite, Visa Platinum, issued by the Bank.
• MCC - Merchant Category Code - is a 4-digit number classifying the type of merchant activity in the bank card payment transaction at the merchant during electronic transmission of information within the transaction for the goods or services provided.
• Organizer - TTN Eesti OU, a company registered in accordance with the laws of Estonia (location: Estonia, Harju Maakond, Tallinn, F. R. Kreutzwaldі 4-7 office 405, 10120).
• Partner is a company that allows Loyalty Program Participants to exchange Points for Awards in accordance with these Rules. The list of Partners is available on the Program website. The Organizer reserves the right to change the list of Partners without prior notice to Participants..
• The list of Partners is given hereafter (clause 7.4.).
• Payment System - the payment organization, members of the payment system, and the aggregate of relationships arising between them when funds are transferred.
• Loyalty Program Rules (the "Rules") - these rules and conditions of participation in the Program, which are published on the Program Website.
• The PriorPlus Loyalty Program (the "Loyalty Program" or the "Program") is a unique system designed to allow Participants to accumulate and exchange the Points for Awards on the Website. The Loyalty Program is available in the Republic of Belarus.
• Payment transaction - a payment transaction related to goods, works and services with the Card at retail and service outlets in Belarus and abroad, including the Internet.
• Goods - any goods, works, services purchased by the Participant from the Program Partner.
• Sales outlet - retail facility, online store (site), catering facility, which is not an independent legal entity, selling Goods and accepting cards for payment.
• Participant - a natural person, a citizen of the Republic of Belarus, who at the time of registration in the Program has reached the age of 18 years and is a Cardholder.
• Account - every Loyalty Program Participant`s personal part of the interface of on the Website, which is an electronic register of information, maintained by the Organizer through its information systems, and which contains information about the credited, written off and canceled Points in accordance with these Rules.
• The language of the Program Rules and the Website is Russian, which prevails over other editions available on the Website.
2. General provisions
2.1. The Organizer arranges and promotes the Loyalty Program on the territory of the Republic of Belarus. The Organizer is not a financial institution and does not provide any credit, debit or other financial services and does not issue credit, debit or payment cards of any kind. Using the Card establishes a relationship with the Bank that issued the Card only, and not with the Organizer.
2.2. These Rules set forth the terms and conditions of participation in the Program and the requirements for Participants and third parties. The Participant agrees to check regularly on the Website, no less than once in every 7 days whether the Rules have been amended. These Rules may be changed unilaterally by the Organizer at any time without prior notice to the Participant. Changes may apply to the Rules, the number of Points required for the Award, the validity period of the Points, the conditions and procedure for calculating, writing off and cancelling Points, etc. Information on the changes will be posted on the Website by the Organizer. An updated version of the Rules shall take effect in 7 calendar days upon the relevant information is posted on the Website. A Participant has the right to leave the Loyalty Program, if he/she does not agree with the changes made in the Rules. To do so, he/she must notify the Organizer in writing within 7 (seven) calendar days from the date of posting the updated version of the Rules on the Website. If the Participant does not notify the Organizer of his/her refusal to participate in the Program, it means that the Participant agrees with the changes made in the Rules and continues to participate in the Program. In case of the Participant's withdrawal, his/her participation in the Program shall be terminated on the next business day after the Organizer's receipt of the notice. Changes in the Partners Program rules, the list of Awards available for exchange, or the number of Points the Participant may exchange for certain Awards cannot be considered a change in the Program Rules. The Organizer's realization of its right to transfer part or all of its rights and obligations under these Rules to another person will also not be considered a change of the Program Rules, as referred to in this paragraph 2.2, and third parties may be engaged by the Organizer for the purpose of implementing the Program.
2.3. The Organizer collects and processes Participant's personal data on the Program Website. Having registered for the Program, Participant agrees to the said processing of his/her personal data, which means any action or set of actions performed in the information system of the Program related to collection, registration, accumulation, storage, adaptation, change, update, use and distribution, deletion of information about a natural person in accordance with the procedures provided in the Privacy Policy.
2.4. In cases stipulated by the legislation of the Republic of Belarus, transferring an Award from a Partner to a Participant makes such a Partner a tax agent within the meaning of the Tax Code of the Republic of Belarus, the tax agent withholds and transfers to the budget taxes and fees related to the Award in the order stipulated by the tax legislation of the Republic of Belarus. The Organizer is not responsible for the payment of taxes unrelated to the transfer of the Award by the Participant. Each Participant is independently responsible for his or her total income.
2.5. The Organizer may terminate the Loyalty Program or any part thereof at any time by placing a notice on the Website 7 calendar days prior to the date of termination. Upon expiration of this period, the exchange of Points for Awards will not be possible, and all Points remaining in the Account will be canceled.
3. Terms of participation in the Program
3.1 A Participant of the Loyalty Program may be a natural person who meets the definition of a Participant and observes the following conditions:
• is a holder of Visa Gold, Visa Gold Credit, Visa Infinite or Visa Platinum card issued by the Bank;
• has made at least one payment transaction in the retail and service outlet and/or online using a Visa Gold, Visa Gold Credit, Visa Infinite or Visa Platinum payment card issued by the Bank;
• has registered on the Loyalty program website;
• read and accepted Program Rules, Privacy Policy.
3.2 More detailed information about the participation of a particular Card in the Program can be obtained directly from the Bank.
3.2.1 Registration for the Loyalty Program is accomplished on the Website by creating a Participant's account (Profile), the identifier of which is the Participant's email address (hereinafter the "Identifier").
3.2.2 By registering for the Program and filling out the registration form, the Participant agrees to adhere to the Program Rules and Privacy Policy, and undertakes to independently follow any changes to the Rules and Privacy Policy.
3.2.3. Participant may read the current version of the Rules and the Privacy Policy on the Program Website.
3.3. Participant may only register one Account. A legal entity or an individual on behalf of a legal entity may not be a Participant of the Program.
3.4 The Participant's Loyalty Program account contains detailed information on Points earned, written off, cancelled, and the Participant's Points balance, and allows Participants to exchange Points for Rewards.
3.5 If any person fails to comply with the Rules and the Privacy Policy, the Organizer has the right to deny participation in the Program, cancel the Points, or terminate such participation.
3.6 In case of suspected fraudulent actions or suspicious behavior of the Participant, the Organizer has the right to temporarily ban his/her Account and suspend participation in the Loyalty Program.
3.7. The Organizer may terminate participation in the Loyalty Program in the following cases:
• Participant's violation of the Rules and Privacy Policy;
• Participant's own will, which is notified to the Organizer by filling out the appropriate form on the Program Website (or, in the absence of such a form, by sending a notice to the Organizer);
• termination of the Program;
• closure of the Participant's bank account and expiration of the Card registered for participation in the Program;
• death of the Participant.
3.8 Termination of participation in the Program will result in the cancellation of all Points credited to the Participant.
4. Participant Rights and Obligations
4.1 Having registered for the Program in accordance with these Rules, Participant has the right to use the Website, register Cards, earn Points, and exchange Points for Awards.
4.2 The Participant has access to information on Points earned, cancelled, and written off from his/her Account. He/she may check the balance of Points in his/her Account at any time (Profile).
4.3 The Participant independently decides whether to receive news, informational and/or promotional messages from the Program indicating that when registering for the Program, or to change the notification settings at any time during participation in the Program.
4.4 The Participant independently and in a timely manner informs the Organizer of any changes in his/her contact information needed to provide information on the Program and receive Awards by making the appropriate changes to his/her Account.
4.5 The Participant may add other Cards to his/her Account for the purpose of accumulating Points in the same Account. Cardholders may be the Participant and his/her family members (spouse, children). No more than 5 Cards may be added to an Account. Upon a cancellation of participation of a Card in the Program (expiration, blocking, deletion), the Points accrued on such Card will remain in the Account to which the Card was linked.
4.6 The Participant has the right to terminate participation in the Program at any time during the validity period of the Program, by sending a respective written (via the form on the Website, as well as electronically) message to the Organizer.
5. Points crediting procedure
5.1. The Bank and the Organizer at their own discretion determine the conditions and procedure for calculating Points. Points are awarded when the Participant performs Settlement Transactions with the Card registered for participation in the Program.
5.1.1 All points that have been credited by the Bank and not used in the previous Loyalty Program shall be saved in the equivalent of 1 to 1, provided that the same Cardholder is registered as a Participant in this Program. Such Points will be credited automatically upon registration of the Participant in the Program within 24 hours. In this case, the welcome point (according to clause 5.3.1.) will not be credited. The term for the possibility of recovering unused Points from the previous Loyalty program is up to June 30, 2021 inclusive.
5.2 Points will accrue after the Card has been registered to the Program for transactions determined by the Bank to accrue Points; paragraph 5.6 specifies special rules for Settlement transactions with a limited amount of Points crediting; paragraph 5.7 specifies Settlement transactions not providing Points accrual.
Points are awarded for Settlement Transactions paid with the Card according to the formula:
• For Visa Gold cards - the number of credited Points (hereinafter - the "rate") is determined depending on the amount of Settlement Transactions and constitutes 1% of the amount of Settlement Transactions of Domestic Payment Transactions and 1.2% of the amount of Foreign Payment Transactions;
• For Visa Gold Credit cards - the rate of 1% of the amount of Domestic Payment Transactions and 1.2% of the amount of Foreign Payment Transactions
• Visa Platinum cards - the rate of 1% of the sum of Domestic Settlement Transactions and 1.5% of the sum of Foreign Settlement Transactions
• For Visa Infinite - the rate of 1,5% of the sum of Domestic Settlement Transactions and 2% of the sum of Foreign Settlement Transactions.
5.3 The Participant may be additionally awarded the following types of Points:
5.3.1 Welcome Point: five (5) Points which are awarded to a Participant upon registration in the Program. This rule does not apply when Points are awarded to a Participant from a previous Loyalty Program (according to clause 5.1.1.).
5.3.2 Additional types of Points can be awarded in cases determined by the Organizer or Bank.
5.4 In certain specific situations, in particular during promotional campaigns, special promotions and offers from the Organizer, Bank or Program Partners, additional Points may be awarded in accordance with the rules for crediting additional Points, which are informed separately on the Website and apply along with the terms of such promotional campaigns, special promotions and offers.
5.5 Credited Points have a validity period of 24 months from the date of accrual, and, in the event that a Participant has not had any Points credited on any of his/her registered Cards for 3 months, all Points will be canceled after 3 months.
5.6 Points are awarded up to a limited maximum of 10 Points per month per Account for the Participant's Settlement Transactions in the following categories of merchants:
|
МСС |
Type |
Description |
|
5999 |
Miscellaneous and Specialty Retail Stores |
Retailers that sell unique or specialized products that are not described by any other card acceptor business code (MCC). This MCC should be used only when all other MCC assignment options have been exhausted. Examples of such specialty stores inclu de map and alas stores, firearms and ammunition stores, ice dealers, distilled water dealers, magic stores, party supply stores, beauty supply stores etc. |
|
4215 |
Courier Services—Air and Ground, Freight Forwarders |
Merchants that deliver individually addressed letters, parcels and packages (excluding Postal Services—Government Only—MCC 9402). For merchants that provide trucking delivery of freight, use MCC 4214. |
|
6300 |
Insurance Sales, Underwriting, and Premiums |
Retailers that sell all types of personal or business insurance policies, including automobile, life, health, hospital, medical and dental, homeowners and renters, real estate title, pet health, flood, fire, or earthquake insurance policies. For merchants that sell insurance products and services using direct marketing methods, use MCC 5960 |
|
7311 |
Advertising Services |
Merchants that prepare advertising (copywriting, artwork, graphics, and other creative work) and place advertising in periodicals, newspapers, radio, television, or other advertising media for clients on a contract or fee basis. |
|
4812 |
Telecommunication Equipment Including Telephone Sales |
Merchants that sell telecommunications equipment such as telephones, fax machines, pagers, cellular phones, and other equipment related to telecommunications. For merchants providing telecommunication services, use MCC 4814. |
|
5968 |
Direct Marketing—Continuity/Subscription Merchants |
Merchants that sell subscription products or services via direct mail. Such merchants may offer a series of products (such as one book a month for one year) or the annual renewal of a single product. The cardholder’s Mastercard card account is billed for the service on a continuing or periodic basis (such as once a month or twice a year), and the service continues until the subscription or series ends or the cardholder or merchant terminates the agreement. This MCC includes direct mail book clubs, magazine and newspaper subscriptions, audio clubs selling records, tapes, and compact discs (CD), video tape and DVD clubs, collectible series subscriptions (for example, series of stamps, coins, books, etc) |
|
5960 |
Direct Marketing—Insurance Services |
Merchants that sell insurance services via direct mail, billing statement stuffers, and magazine or television ads, all of which include either a toll-free phone number or an address or Web site by which prospective clients may respond. Insurance services offered may include all forms of life insurance, hospital indemnity insurance (additional coverage usually paid directly to the consumer), accidental death and dismemberment insurance, credit card insurance in which the outstanding balance is insured against the cardholder’s death, disability or unemployment insurance, and medical insurance for travelers. Sales may be targeted to special groups such as veterans, retired persons, schoolteachers, or members of certain organizations. The billing of the insurance premiums typically occurs in periodic (monthly, quarterly, or annual) installments, and continues until canceled by either the cardholder or the insurance company. Another common feature is a free trial period of 60 or 90 days, with the billing of the first installment after the trial period has ended. For face-to-face insurance sales and underwriting services, use MCC 6300. |
|
4011 |
Railroads—Freight |
Railroads engaged in freight transport operations. For railways that provide passenger transportation, use MCC 4112. |
|
7299 |
Other Services |
Merchants that provide personal services that do not fall under any other MCC. Examples of such services include animal boarding, bath houses, house sitting services, maid services, animal grooming and kennels, animal training or breeding, real estate agents, brokers, and managers, body piercing and tattooing, water treatment services, taxidermists, wedding chapels. |
|
8999 |
Professional Services—not elsewhere classified |
Merchants engaged in traditional professions that offer highly specialized services, and often require employees to obtain advanced or specialized education or training to provide the services. This MCC should be used only if the merchant’s business is not described by another, more specific MCC. Examples of such merchants include mortgage brokers, research firms, financial planners, graphic designers, court stenographers, real estate appraisers and auction houses. |
|
7399 |
Business Services—not elsewhere classified |
Merchants that provide business and trade services that typically are not considered professions. This MCC must be used only if another more specific MCC does not describe the merchant’s business. Examples of such business services include publishing companies, conference management companies, meeting planners, seminar companies, locksmiths, mail and packing services (including the sale of stamps), message and paging services, and waste management services. |
|
7994 |
Video Game Arcades/Establishments |
Merchants that operate interactive games and amusement machines, such as jukeboxes, video games, pinball machines, paintball, and laser tag games, mechanical games, and instant photograph booths. For merchants that sell amusement equipment, use MCC 7993. |
|
7372 |
Computer Programming, Data Processing, and Integrated Systems Design Services |
Merchants that provide computer programming services, systems design, and data processing services on a contract or fee basis. Such services may include computer software design and analysis, software or systems modifications, data entry or data processing, and training in the use of custom software. |
* The basic language of the table is Russian, which prevails over the other editions available on the Web site
5.7 Points are not credited for the Participant's Settlement Transactions in the following categories of merchants:
|
МСС |
Retail and service outlet type |
Description |
|
4814 |
Calls using telephones that read magnetic tape |
Providers of telecommunication services such as local and long-distance telephone calls, through the use of tape-reading telephones |
|
4813 |
Key-entry Telecom Merchant providing single local and long-distance phone calls using a central access number in a non-face-to-face environment using key entry |
Providers of telecommunication services including local and long-distance telephone calls placed via key entry using a central access number. |
|
4816 |
Computer Network/Information Services |
Providers of computer network, information services, and other online services such as cyberlocker, electronic bulletin board, e-mail, Web site hosting services, or Internet access. For merchants that offer products or services via the Internet, use the MCC that best describes the product or service being offered. For merchants that provide audiotext (for example, psychic hotlines) or videotext (for example, adult chat Internet sites) services, use MCC 5967. For providers of computer programming and data processing services, use MCC 7372. |
|
9402 |
Postal Services—Government Only |
Government postal offices, including local post office branches. Services provided include accepting and processing packages and mail for delivery, selling postage stamps, and express mailing services. For mail packaging stores that provide packaging services and sell stamps, greeting cards, and wrapping, and that may also provide services for UPS, Federal Express, and other express mail services, use MCC 7399 |
|
4214 |
Motor Freight Carriers, Trucking—Local/Long Distance, Moving and Storage Companies, Local Delivery |
Local or long-distance trucking services that may or may not also provide storage services. For household goods warehousing and storage without trucking services, use MCC 4225. For couriers of parcels, goods, and packages, use MCC 4215. |
|
4829 |
Money Transfer |
A transaction in which funds are delivered or made available to a person at a location other than the location at which the money transfer is initiated. These transactions include non–face-to-face transactions such as those facilitated through the Internet. |
|
6012 |
Merchandise and Services—Customer Financial Institution |
Identifies the purchase of merchandise or services, provided by financial institutions. Such merchandise and services may include checks and other financial products, promotional merchandise, loan fees, and financial counseling service fees). For securities or brokerage transaction service fees or other related costs, use MCC 6211. Use MCC 6011 for transactions that occur at ATMs |
|
7800 |
Government Owned Lottery (U.S. Region Only) |
No description. Category: Entertainment |
|
7995 |
Gambling Transactions |
Any transaction, other than an ATM transaction, involving the placing of a wager, the purchase of a lottery ticket, spread betting, in-flight commerce gaming, or the purchase of chips or other value usable for gambling in conjunction with gambling activities provided by wagering or betting establishments such as casinos, race tracks, card parlors, airlines, and the like. The acquirer must identify all such gambling transactions with MCC 7995 so that the issuer is fully aware of the nature of those transactions. The acquirer must process remote gambling transactions in accordance with sections 3.3.8.4 and 3-3-8.5 of the MasterCard Manual. For other types of purchases associated with the establishment, such as food, lodging, or passage, use the MCC that best describes that transaction. |
|
7801 |
Internet Gambling (U.S. Region Only) |
Merchants licensed in accordance with applicable law or regulation to operate an Internet gambling system or platform accepting the placement of wagers. Use of this MCC is restricted to merchants located in the U.S. region |
|
7802 |
Government Licensed Horse/Dog Racing (U.S. Region Only) |
Merchants licensed in accordance with applicable law or regulation to conduct horse or dog racing or pari-mutuel wagering activities in connection therewith, or both. Use of this MCC is restricted to merchants located in the U.S. region |
|
4815 |
MasterPhone Phone Services - Monthly telephone billing |
Used exclusively for monthly phone bills for MasterCard MasterFon phone services. |
|
5933 |
Pawn Shops |
Merchants that lend money in exchange for personal property left with the merchants as security. Pawn shops may, upon default of the loan, sell the property to the general public. Property left as security may include items such as jewelry, watches, musical instruments, bicycles, furniture, coins, and camera and photographic equipment. |
|
6010 |
Manual Cash Disbursements—Customer Financial Institution |
Used only to identify face-to-face transactions in which a cardholder uses a Mastercard card at a Mastercard customer financial institution to obtain a manual (“over-the-counter”) cash disbursement, to open or fund a deposit account, or to purchase travelers cheques, foreign currency, money orders, precious metals, or savings bonds. For cash disbursement transactions occurring at automated teller machines (ATMs), use MCC 6011. For sales of foreign currency, money orders, travelers cheques, and other quasicash products at locations other than customer financial institution locations, use MCC 6051 |
|
6011 |
Automated Cash Disbursements—CustomerFinancial Institution |
Identifies cash disbursement transactions occurring at automated teller machines (ATMs) at any of a type of financial institute). |
|
6022 |
Financial Institution (RCL Internal) |
Group: Service Provider. No description was found. Most likely an internal code of some organization, but can be found in the exclusion lists of some banks. |
|
6023 |
State Banks (RCL Internal) |
Group: Service Provider. No description was found. Most likely an internal code of some organization, but can be found in the exclusion lists of some banks. |
|
6025 |
National Banks (RCL Internal) |
Group: Service Provider. No description was found. Most likely an internal code of some organization, but can be found in the exclusion lists of some banks. |
|
6026 |
National Banks Non Federal (RCL Internal) |
Group: Service Provider. No description was found. Most likely an internal code of some organization, but can be found in the exclusion lists of some banks. |
|
6028 |
Unincorporated Private Banks (RCL Internal) |
Group: Service Provider. No description was found. Most likely an internal code of some organization, but can be found in the exclusion lists of some banks. |
|
6050 |
Quasi Cash—Customer Financial Institution |
Identifies the purchase, with card, of traveler’s cheques, money orders or using cards to open/fill a deposit account at financial institutions. |
|
6051 |
Non-financial institutions - foreign currency, money orders (non-transferable), traveler's checks, quasi-cash |
Identifies the purchase, with card, of traveler’s cheques, foreign currency, money orders, or use of payment cards to open a deposit account at non-financial institutions. Any fee charged for purchases of such quasi-cash instruments (almost cash) and included in the total amount of transactions must be clearly reported to the cardholder before completing the transaction. |
|
6211 |
Securities—Brokers/Dealers |
Merchants that buy, sell, and broker securities, stocks, bonds, commodities, and mutual funds. |
|
6381 |
Insurance bonuses |
The code is in the exceptions of some banks. According to some reports the code is no longer used. |
|
6399 |
Insurance - nowhere else classified |
According to some reports the code is no longer used. |
|
6529 |
Remote Stored Value Load |
No description. Group: Service Provider |
|
6530 |
Remote Stored Value Load |
No description. Group: Service Provider |
|
6531 |
Payment for services - money transfers |
No description. Group: Service Provider |
|
6532 |
Payment Transaction—Customer Financial Institution |
This MCC may be used only to identify Payment Transactions. A Payment Transaction allows Mastercard cardholders to transfer funds to a Mastercard account. NOTE: This MCC is also used for Brazil domestic Coupon Booklet Payments (CARNE) as outlined in the Interchange Manual—Latin America and Caribbean Region. |
|
6533 |
Payment Transaction—Merchant |
This MCC may be used only to identify Payment Transactions. A Payment Transaction allows Mastercard cardholders to transfer funds to a Mastercard account. NOTE: This MCC is also used for Brazil domestic Coupon Booklet Payments (CARNE) as outlined in the Interchange Manual—Latin America and Caribbean Region |
|
6534 |
Money transfers - Customer Financial Institution |
No description. Group: Service Provider |
|
6536 |
MasterCard MoneySend - Intracountry |
Identifies MoneySend Intracountry Payment Transactions. MoneySend operates on the basis of account-to-account processing with funds transferred from the Originating Institution to any Mastercard, Maestro, or Cirrus account held at the Receiving Institution. |
|
6537 |
MasterCard MoneySend - between countries |
Identifies MoneySend Payment Transactions. MoneySend operates on the basis of account-to-account processing with funds transferred from the Originating Institution to any Mastercard, Maestro, or Cirrus account held at the Receiving Institution. |
|
6538 |
MasterCard MoneySend Funding |
Identifies a MoneySend Funding Transaction in which a cardholder uses a Mastercard card to fund a MoneySend Payment Transaction. |
|
6540 |
POI Funding Transactions (Excluding MoneySend) |
Identifies a transaction conducted by a card acceptor providing any of the following services: |
|
6611 |
Overpayment (advance payments) |
The code is not found in the documentation of payment systems, but it is in the exclusion lists of some banks and own code lists of some US banks. |
|
6760 |
Savings Loan Bonds |
The code is not found in the documentation of payment systems, but it is in the exclusion lists of some banks and own code lists of some US banks. |
|
7273 |
Dating Services |
Merchants that provide dating and escort services, including computer and video personal introduction and matchmaking services. |
|
7276 |
Tax Preparation Service |
Merchants that exclusively provide income tax return preparation services without auditing, accounting, or bookkeeping services. For merchants providing auditing, accounting, or bookkeeping services in addition to tax return preparation services, use MCC 8931. |
|
7277 |
Debt, Marriage, Personal—Counseling Service |
Merchants that provide a variety of counseling services such as debt andfinancial counseling, marriage counseling, family counseling, alcohol and drug abuse counseling, and other personal counseling. For merchants that provide legal services, use MCC 8111. |
|
7321 |
Consumer Credit Reporting Agencies |
Merchants that provide credit-reporting services such as credit investigation, credit clearinghouses, and other related services. |
|
7322 |
Debt collection agencies |
No description. Group: Business services |
|
7389 |
Business services - not elsewhere classified |
This code is in the SIC code directories and is on the exclusion lists of some banks. Apparently, it is an analogue of MCC 7399 |
|
7511 |
Truck Parking |
No description. Group: Business services |
|
8398 |
Organizations, Charitable and Social Service |
Charitable (non-political) organizations that solicit contributions, social service organizations that provide social welfare services, advocacy groups, community organizations, and health agencies. |
|
8641 |
Associations—Civic, Social, and Fraternal |
Associations engaged in civic, social, or fraternal activities. Such associations include alumni associations and clubs, booster clubs, business persons clubs, community membership clubs, fraternal lodges, fraternities and sororities, social clubs, veterans’ organizations, and youth associations. The activities of these groups may include political fund-raising; however, if this is the primary purpose of the organization, use MCC 8651. |
|
8651 |
Organizations, Political |
Membership organizations that promote the interests of a national, state, or local political party or candidate, including political groups organized specifically to raise funds for a political party or individual candidate. |
|
8661 |
Organizations, Religious |
Religious organizations that provide worship services, religious training or study, religious activities, and fund-raising. Examples are churches, convents, monasteries, mosques, shrines, synagogues, and temples. |
|
8675 |
Automobile Associations |
Automobile associations and clubs. Such merchants provide members with special services such as travel and road condition information, maps and guides, and specials rates at restaurants, hotels, and car rental agencies. These merchants often charge an annual membership fee. |
|
8699 |
Organizations, Membership—not elsewhere classified |
Organizations or associations that are not described by another, more specific MCC. Examples include historical clubs, labor unions, poetry clubs, art councils, and tenant or condominium associations. For membership to health and athletic clubs, use MCC 7997 |
|
9211 |
Court Costs including Alimony and Child Support |
Local, state, and federal courts of law that administer and process court fees (such as case administration costs and litigation processing fees), alimony, and child support payments. For merchants that process fines or penalties associated with the court system, use MCC 9222. |
|
9222 |
Fines |
Government entities that administer and process local, state, and federal fines and penalties, motor vehicle violations, and community or property assessed fines. |
|
9223 |
Bail and Bond Payments |
Merchants that post bail to the court system as security for the appearance of the arraigned individual. |
|
9311 |
Tax Payments |
Local, state, and federal entities that engage in financial administration and taxation, including the collection of taxes and penalties and the custody and disbursement of funds. Such merchants include property tax assessors’ offices, customs bureaus, and state tax commissions. |
|
9399 |
Government Services—not elsewhere classified |
Merchants that provide general support services to the government such as personnel, auditing, procurement, and building management services, and are not described by another, more specific MCC. Examples include civil rights and civil service commissions, general government accounting offices, general services offices, government supply agencies, police, fire, and motor vehicle departments, and national, state, and city parks. For intra-government transfers (IGOTS) program transactions, use MCC 9405. Merchants involved in the sale of goods or services to the government should use the wholesale MCC that best describes the business. |
|
9401 |
i-purchasing pilot |
No description found, but the code is on some banks' exclusion lists. Group: Government Services |
|
9405 |
Intra-Government Purchases—Government Only |
Identifies transactions between governmental offices, departments, or agencies that participate in the intra-government transfers (IGOTS) program. |
|
9411 |
Payments on the state loan |
No description. Group: Government services |
|
9754 |
Gambling, Dog Race, State Lottery |
No description. Group: Government services |
|
9950 |
In-Company Purchases |
Merchants classified under this MCC process procurement transactions representing internal transfers of goods and services between divisions |
|
9999 |
Unknown category |
Probably, the code is used for operations with undefined category, as in some banks this code is considered an unclassifiable operation. |
|
4899 |
Cable, Satellite and Other Pay Television/Radio/Streaming Services |
The connection and ongoing delivery of television programming or radio programming on a subscription or fee basis |
|
4900 |
Utilities – Electric, Gas, Water, and Sanitary |
Any utility payments, including any payments in ERIP |
|
8211 |
Elementary and Secondary Schools |
Payments for school, kindergarten |
|
8220 |
Colleges, Universities, Professional Schools, and Junior Colleges |
Payment for college, university |
|
8351 |
Child Care Services |
Payment for nanny services, babysitting services with children, pre-school education |
* The basic language of the table is Russian, which prevails over the other editions available on the Web site
5.8. The Bank, at its own discretion, forms the above list of exceptions and may make changes to it, which does not entail the cancellation or writing off the Points credited earlier (except in situations where such Points have been credited as a result of full or partial refund of goods / services, deception, fraud, other intentional action or technical failure in the Organizer's information systems). In case of any errors (incorrectly credited / written off Points, etc.), the Program Coordinator is entitled to make the necessary corrections to the Participant's balance.
5.9. When Points are credited, their number is rounded down to the nearest hundredth, and whole numbers are shown on the Participant's balance, and the previous Points are totaled to the next ones, taking into account the hundredth percentages.
5.10. Points will be credited to the Participant's balance within 30 days of the date of settlement between the Payment System and the Bank.
5.11. When calculating Points for foreign Settlement Transactions, the rounded exchange rate of the payment system which is effective at the time of the Payment System's settlement with the Bank is applied.
5.12. A full or partial refund to the Participant's card account for executed Settlement Transactions (for example, Card payments for goods / works / services) will result in the withdrawal from the Participant's Account of Points which were previously accrued for the specified Settlement Transactions, resulting in a reduction of the Points balance in the Participant's Account. Thus, in the event that a Participant returns a product / work / services previously purchased, the Points credited for payment for such product / work / services are canceled and are to be written off from the Participant's Account.
5.13. The Bank and/or the Organizer reserve the right to stop crediting of Points, write off Points from the Participant's Account or prohibit their exchange for Awards in the following cases: The Participant violates the Program Rules; the Organizer and/or the Bank has reasonable suspicion of fraud or other misconduct related to participation in the Program, and the like. In any of the situations specified in this paragraph, the Organizer and/or the Bank shall determine the duration and conditions of the measures necessary for the protection and effective functioning of the Program.
6. Points exchange procedure
6.1 Each Program Participant has a Points Account. The condition for exchanging Points for Awards is the Participant's consent to receive Awards, which the Participant provides by checking the appropriate box on the exchange page.
6.1.1 When exchanging Points, the formula 1 Point = 1 BYN is applied.
6.2 When exchanging Points, they are written off in chronological order, starting from those which were credited earlier and ending with the most recent ones.
6.3. The Bank and the Program Coordinator independently determine the number of Points to be written off the Participant's account when exchanging Points for Awards. A Participant may exchange only the number of Points that he/she has at the moment of exchanging the Points for Awards.
6.4. A Participant may exchange Points only for Awards contained in the list of Awards published on the Program Website.
6.5 If any refund, write-off, cancellation of Points, cancellation of Settlement Transactions, or other circumstances result in the exchanging by the Participant more Points for Awards than the number of Points actually available because of adjusting the number of Points, then the over exchanged Points will be considered as an advance by nature and will be written off from the Points to be credited in the future.
6.6 At the time of exchanging for Awards, the appropriate amount of Points will be written off from the Participant's Account. Written off Points may not be returned to a Participant's Account in the future, except under the circumstances expressly provided for in these Rules. Only the whole amount of Points, without tenths, will be used to exchange for Awards.
6.7 The transfer of the Award selected by the Participant, or the right to receive it, is made by means of electronic communication (email or text message). The specific method of transfer depends on the format of the Program Partner's Award.
6.8. The Program Partner determines the terms and conditions of the transfer of the Award to the Participant, which can be found on the Award ordering pages listed on the Program Website.
6.9. Participant has no right to exchange or return the Award received in exchange for Points.
6.10. If the Participant discovers any defects in the quality and/or quantity of the Awards, or in the event that the Award does not correspond to the order placed by the Participant, he/she undertakes to immediately notify the Organizer. A defect is a discrepancy in the denomination, sales network, or validity period of the Award ordered and received. If the Participant does not report the detection, deficiencies, or inconsistencies within 4 business hours after receiving and accepting the Award, it is considered that the Participant received the Award of proper quality, and the Points that were used to exchange for this Award cannot be returned to the Participant and the Participant loses the right to file a claim regarding this Award in the future.
6.11. From the moment of receipt of an Award, the Participant independently ensures its proper storage and protection from loss, theft or unauthorized copying. Once the Award is lost, it cannot be restored, and the Organizer does not accept any claims in this regard.
6.12. Points do not have any monetary value, are not a means of payment, currency or security.
6.13. Points have no cash (money) value and under no circumstances can be received in cash equivalent. Points are not electronic money and do not perform its function. Points are not commodities and cannot be purchased by Participant or third parties at their own expense. Points are not money and are not in any way equivalent to it.
6.14. The Organizer at its own discretion forms the List of Awards and makes changes to it, if necessary. The Organizer is not obliged to inform Participants of such changes. The version of the List of Awards available on the Program Website at the time when Points are exchanged for Awards is deemed up-to-date.
6.15. The Participant may use the following types of exchanges to receive an Award:
• using Points only,
• partially using Points and partially cash - to obtain Travel Services (as defined in Appendix 1).
7. Program Partners
7.1 In order to implement the Program and exchange Points for Awards, the Program Coordinator independently engages Program Partners on the basis of separate agreements.
7.2 The Organizer shall not be liable for acts or failures to act of the Program Partner or third parties, or for any losses or damages resulting from any interaction between the Participant and the Program Partner. Program Partners are solely responsible with respect to the use of Awards, which are properly granted to the Participant in exchange for Points. The Organizer makes no warranties about Program Partners and their offers. Program Coordinator is not responsible for the quality of goods, works or services provided by Program Partners as a result of using Awards. The Organizer does not accept and does not check the completeness, quantity and quality of goods, works and services provided by the Program Partner to the Participant as a result of using the Award. Participant interacts with Program Partners on his/her own on all issues related to the use of Awards, without the Organizer's involvement.
7.3 Program Partners independently ensure the quality of goods, works and services they provide. The Participant checks completeness, quantity and quality of goods, works and services which are provided by Program Partner. In case of any discrepancies, the Participant shall immediately inform the Program Partner thereof.
7.4 One of the Partners who exchange Points for Awards in the territory of the Republic of Belarus is a Limited Liability Company "Reut Experiences" ( Registered address: 223054, Minsk region, Minsk district, Ostroshitskiy Gorodok, Lenina street 1-3, room 3-1-42; Contact information: Tel: +375(29)6308308, email: li@reut.by).
8. Inquiries, complaints, request for information
8.1. All information on the Program is available on the phone 88 200 3210462 (calls are free of charge on the territory of the Republic of Belarus) from 9 a.m. to 6 p.m. (Monday to Sunday) or by e-mail info@plus.priorbank.by.
8.2 The Participant's claim to the Organizer shall be made in accordance with clause 8.1 with a detailed description of the circumstances of the claim. In order to ensure prompt processing of the complaint, the Participant shall provide the Program Organizer in the manner prescribed in the paragraph above, describing the complaint and specifying a contact person and his/her telephone number.
8.3 The claim will be responded by a representative of the Organizer within 3 (three) business days.
8.4 The Organizer considers claims and complaints within 30 (thirty) calendar days from the date of receipt of notice from the Participant. In exceptional cases, the Organizer reserves the right to set a different term of consideration of complaints, which is reported to the Participant additionally.
9. Final provisions
9.1 The rules of the Program are drawn up in accordance with the requirements of the current legislation of the Republic of Belarus. In case of disputes on fulfillment of conditions of the Loyalty Program the first measure of solution is negotiations of the interested parties. If the negotiations are unsuccessful, disputes can be solved judicially in accordance with the current legislation of the Republic of Belarus.
9.2 Jurisdiction. These Rules and other terms of participation in the Program are governed by the laws of the Republic of Belarus. All disputes related to the Loyalty Program shall be subject to the exclusive jurisdiction of the courts of the Republic of Belarus.
9.3 Confidentiality. The Organizer collects and processes personal data of the Participant in accordance with applicable legislation on the protection of personal data, as well as in accordance with the Privacy Policy of the Loyalty Program, available at: https://plus.priorbank.by/en/topic/privacy_policy.
9.4 Bank secrecy. The Participant authorizes the Bank to transfer to the Organizer, as well as all entities involved in the provision of services under the Loyalty Program, in particular the Program Partners their data subject to the bank secrecy regime, as provided by the legislation of the Republic of Belarus, within the limits determined by the need to participate in the Loyalty Program, and also authorizes the Organizer and all entities involved in the provision of services under the Loyalty Program, in particular Partners, to process these data within the limits of.
9.5 Liability. By accepting these Rules under the applicable law, the Participant agrees that the Organizer shall not be liable for any damage caused to the Participant during or as a result of their participation in the Loyalty Program, unless such damage was caused by the Organizer due to their willful action or malicious negligence. By agreeing to these Rules and Regulations under the applicable law, the Participant also agrees that the Organizer does not guarantee the absence of defects or shortages of goods / services, which are Awards under the Loyalty Program. Guarantees of certain goods/services are the responsibility of their manufacturers, suppliers. The Organizer of the Program is not responsible for the actions or inactions of Partners, manufacturers/suppliers of goods/services of third parties.
For the avoidance of doubt, Visa Inc. and any of its affiliates do not participate in the arrangements of the Program, as well as in the processes associated with the crediting Points and the exchange of Points for Awards, and are not responsible for the compliance of the Organizer, Partners, manufacturers/suppliers of goods/services with the laws of the Republic of Belarus and these Rules, and are not responsible for claims of Program Participants.
Annex 1. Awards: Travel
1. This Annex is an integral part of the Loyalty Program Rules and regulates the procedure for providing Awards for Travel Services (AviaTickets, Hotels on Tickets.by and others) - hotel booking services, purchase of air tickets, railway tickets or other services offered by Partners according to the Participant's order on the resource .
2. 2. Travel Services ordered by the Loyalty Program Participant shall be provided by Partners independent from the Organizer of the Program. Partners shall ensure the provision of Travel Services in accordance with their terms and conditions. The Program Participant unconditionally agrees to comply with all the terms of these rules when booking on .
3. The Organizer shall act as Administrator of the Website where the Organizer provides services of a technological platform and where the Participant can make reservations and purchase Travel Services advertised and offered by Partners. The Participant orders Travel Services in accordance with these Rules, as well as the rules of service provision and in accordance with the commercial terms and conditions of individual Partners located on the resource .
4. To order Journey Services on , the Participant shall register on the said resource, for this purpose the Participant gives unconditional and irrevocable consent to transfer his/her personal data to the account of the Loyalty Program Participant to the Partner on the resource. The Participant shall be obliged to read the general terms and conditions of Travel Services provided by the Partner (Public Offer Agreement and Privacy Policy, as well as other terms and conditions published on ) and accept them before booking or purchasing the Travel Service.
5. The Partners who provide Travel Services shall be responsible for the accuracy and completeness of the data they provide as part of the offer to purchase or book a Travel Service on . The organizer of the Program provides the partners of Travel Services with the technological possibility to place such information on the website of the Loyalty Program, but the Organizer is not obliged to check the accuracy and reliability of the data and information provided by individual Partners and is not responsible to the Participant for the accuracy and completeness of such data.
6. The Program Organizer is not responsible for the quality of work, services that are provided directly by the Partners of the Travel Services, as well as by third parties.
7. The Participant has the right to exchange the accumulated in the Loyalty Program Points for the Travel Services offered on the Website, with the possibility of additional payment.
8. The final price of the Travel Service from the moment of booking to the moment of purchase may change. Changes in the conditions of the Travel Service do not depend on the Organizer of the Program, but are determined and regulated directly by the Partner providing such services and / or their partners / suppliers. Any and all claims of the Participant related to changes in the term and/or conditions of the Travel Service shall be addressed to the Partner providing such services in accordance with the terms and conditions indicated on .
9. The Participant shall not consider the recommendations posted on the Website regarding the parameters of Travel services of individual Partners as an indication or inducement to book a particular service.
10. The Participant may use the accumulated Points for receiving Travel Services in the form of booking a hotel room, purchasing an air ticket, a train ticket or other services offered by the Partner. If the amount of Points accumulated by the Participant is insufficient for exchange for the above types of Awards, the Participant may pay the difference in the cost of the Travel Service in his/her own money.
11. The Participant must accumulate at least 10 Points in order to activate the ability to partially pay for the Travel Service with his/her own money.
12. In case of the return (change, cancellation) of Travel Services (hotel reservations, airline tickets, railway tickets and other services) purchased in full as a result of the exchange of Points for Awards or the use of surcharges in the form of own funds, the used Points shall not be subject to return and exchange.
13. Partial payment in own funds may be made by the Participant only with the Card registered for participation in the Program.
14. Payment with own funds is made by the Loyalty Program Participant under his/her responsibility in accordance with the terms of use of the Card. The Organizer of the Program is not responsible for the way the Program Participant uses the Card. By paying for selected services with the Card, the Program Participant confirms that he/she has the right to use this Card.
15. If the Partner who provides Travel services cancels the services and initiates a refund to the Participant, such refund shall be made in exact accordance with the previously made payment. The amount of money previously written off the Participant's card upon extra payment with his/her own funds shall be returned to the Participant's Card, and the amount of exchanged Points shall be credited to the Participant's account.
16. The Program Organizer is not responsible for any changes or cancellations made by the Partner who provides Travel Services at the request of the Participant.
Previous edition of Program Rules: