Our Merchant Acquiring Services enable merchant to accept all Visa/ MasterCard/RuPay cards for payment.

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1 MAB (Merchant Acquiring Business) primarily refers to the mechanism of facilitating payment for goods and services purchased through the medium of a card. We, SBT install Electronic Data Capture (EDC) machine or Point of Sale (POS) terminal(s) which facilitate acceptance of payment by swiping of debit/credit/pre-paid cards on the POS terminals as sale proceeds of goods and services sold by merchants. Our Merchant Acquiring Services enable merchant to accept all Visa/ MasterCard/RuPay cards for payment.

2 EMV Compliance: All our terminals are EMV compliant and can accept chip and PIN based cards. State Bank of Travancore is providing POS terminals to the merchants from May 2013 and installed 1926 POS terminals as on 31 st March 2014 with a great success. ADVANTAGES FOR VARIOUS STAKE HOLDERS CARD HOLDERS No need to carry cash, which is risky. They need not to worry about currency management. They may not depend on ATM and branches for cash. Maintains higher balances in the account resulting in higher interest on deposits. They can use plastic money for purchases which is more convenience and safety. MERCHANTS Consumer spends more on cards, which impulse shopping. Cash handling is avoided. So pure cashiers can be dispensed from the shops. The risks of Forged Notes can be avoided. The customer relationship with the merchants increases due to the facility. Saving of Human Resources and more Quality Time Customer Delight TYPES OF TERMINALS We provide following type of POS terminals to suit merchants needs: PSTN (gets connectivity through a normal telephone line) Desktop GPRS (Gets connectivity through GPRS SIM and installed at merchant outlet)

3 Portable GPRS (Gets connectivity through GPRS SIM and power through an inbuilt battery and due to its portability may be used in exhibitions or anywhere as per need). TYPE Security Deposits Monthly Rentals PSTN NIL NIL Desktop GPRS Service Taxes Portable GPRS Service Taxes MERCHANT DISCOUNT RATES The commission charged by the acquirer (SBT) to the Merchant (Trader/Service Provider) Ticket Size Amount equal to and up to Rs Onus Debit Card Transaction Offus Debit Card Transaction Credit Card Transaction 0.75% 0.75% 1.50% 2% Foreign Cards Amount> Rs % 1.00% 1.50% 2% BASIC REQUIREMENTS: Merchant should have land line telephone with STD facility for PSTN POS terminal and id for getting daily transaction reports. Designation of an account for settlement of transactions (Current Account). Ensure Current A/c. is funded and no restrictions for debit and credit posting. Finalisation of settlement period. The Agreement has to be made between the merchants and Bank.

4 The merchant must provide charge slip in case of any disputed transactions. DO S AND DON TS Do s Merchants must accept all cards when properly presented as payments for transactions. Bring to the notice of the bank any fraudulent activities. Verify the card holder s signature with the one below the strip of the card Perform settlement on POS terminal at-least once in a day; settlement may be done by merchant as many times as he wish. If not done amount shall not be credited in customer s settlement account. Don ts Merchant must not disclose details of the card or cardholders to any third party. Impose any extra charge or surcharge (unless expressly allowed by local law ). Indulge in any fraudulent activity. WHY SBT POS? No installation charges. Cost of POS terminals borne by Bank. Lower minimum current account balance. No hidden costs. Customized MIS at weekly/fortnightly/monthly intervals are made available SERVICE CHARGES:

5 It has been decided to introduce the following service charges in respect of POS terminals w.e.f 19/05/2014. Sl. No. Particulars Proposed Charges 1. Commitment Charges (Minimum Volume per terminal Below Rs.15000/- charge Rs.200+Service Tax Per month) Minimum Volume fixed As Rs.15000/- Per terminal per month 2. De-Installation Charges If de-installation is done 1.Within 6 months from the date of installation Rs.500/- 2.After 6 months and before 1 year from the date of installation Rs.150/- 3. Adaptor Replacement Charges (First would be provided free of cost) 4. Physical Damage to the terminal due to mis-handling (Other than normal wear and tear) 1. Rs.500 (including tax) for PSTN & Desktop GPRS models or actual charges whichever is higher. 2.Rs.600 (including tax) for PGPRS models or actual charges whichever is higher Rs.3000+Service Tax or the Actual Charges whichever is higher to be debited to merchant account as per actual as per data provided by the technology service providers. COMPLAINT MANAGEMENT AND RESOLUTION PROCEDURE Complaints relating to Paper roll and mal functioning of machines, merchant can lodge complaints with MID and TID number to M/s Prizm (TSP) and can obtain docket number. can be made at care.pos@prizmpayments.com, pos.fs@prizmpayments.com

6 Call : / / , SMS POS to In case grievances remains unresolved for 2 days after contacting helpdesk Prizm, please escalate to the concerned SBT branch with a copy to mabmsme@sbt.co.in and dgmlbib@sbt.co.in. TO FACILITATE INSTALLAT ION S, PLEASE CONTACT NEAREST SBT BRANCH For more clarifications, you can contact any nearest SBT branch/ Regional/ Zonal office in the following numbers, Zone Name Contact Number id Thiruvananthapuram Mr. S. Ramachandran zotvm@sbt.co.in Kollam Mr. Biji Zacharia zoklm@sbt.co.in Kottayam Mr. Joykutti George zoktm@sbt.co.in Ernakulam Mr. Anil Kumar msmeekm@sbt.co.in Mr. Rajan zoekm@sbt.co.in Thrissur Mr. George Joseph mpsttcr@sbt.co.in Mr. Suresh Kumar Kozhikode Mr. C. Vijayan racpckkd@sbt.co.in Chennai Mr. Murali atmchnlchn@sbt.co.in Mumbai Mr. K Ravindran dgmmumbai@sbt.co.in Delhi Mr. K. B. Rajan dgmdelhi@sbt.co.in Further, MAB Team at Head office, Thiruvananthapuram, Kerala can be contacted in the following numbers, Mr. R.K. Naik DGM

7 Mrs. Deepa DM Mrs. Lavanya Hariharan AM(SYS) E Mail: mabmsme@sbt.co.in; dgmlbib@sbt.co.in;