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Hi Ramesh, Could you please make a video on GPP classic/sp, it will help us in interview... Thanks for all your videos......

Thank you so much. Currently I'm working in card payment industry. I want to learn more in this field and get certification. Is there any courses available in mumbai ?

Very good explanation Sir

Thanks so much Ramesh and Vivek. I would like to know what happens in case of a refund for DCC transaction. Does it mean the Cardholder billing amount will remain the same as in the original sale txn even if the exchange rate fluctuates? Also, in the case of normal cross-border txn, are there possibilities of the refund txn being applied a different rate? What is the benefit of DCC to the acquirer?

Awesome. Is issuer allowed to decline DCC transactions? Because when I was choosing to pay in my home currency, the transaction was getting declined. But when I paid in merchant currency the transaction was successful.

Hi Sir, How the payment conversion can be done ?

Thank you my friend!!!! You deserve the heaven for such a clear and.complete explanation

Sir how to contact you?

When a merchant initiates a standalone refund without the original authorization code, the fees related to that transaction will be refunded to customer ? example: - Transaction amount: 10 USD - Markup fee: 1 AED (approximately 0.27 USD) If the merchant initiates a 10 USD standalone refund without the original authorization code, what will happen in such scenario ?

Refund can be referenced refund or linked refund on order id OR standalone refund

OCT is original credit transaction also known credit leg transaction where fund gets deposited into recipient account such credit card bill payment or Instant refund on IRCTC. Oct performed via MC SEND or Visa Direct platform

Hi Ramesh, if I am not mistaken, Oct fast funds is a credit to customer account and refund is debit to customer account which should reflect customer account with in 30min of authorization for both cases. Can you please clarify if I am wrong

Very good information

Is there any Base 24-EPS Training Plz Reply sir

Thank you so much

so does the merchant still pays some fees to the card scheme when transactions are happening on-us mode?

Thank you for the detailed explanation .Can u explain the authorisation flow post 3ds authentication for an COF transaction .

The token which was created during initiating transaction was created again and again if we initiate transaction after some time or same token is used for next transaction

I love all your video🥰

Super ❤

Hi Sir, when the PS sends the pin to Issuer in IWK format, how is the pin verified? Once when I change my pin after receiving my card will the issuing bank overwrites the PVK with the new one? And when the PS sends the pin to issuer, the issuer will verifies the IWK with the new PVK and process the transaction?

This channel is gem

Very informative video sir. I have a question- how high interchange (in case of Amex) helps in offering high rewards? How are these two things directly proportional?

Thank you so much 😊

Is the cryptogram created by merchants (Token Requestor ) in COFT ?

It would be great if this was in English

the bankB is the same bank in which the merchant is having his/her account?

Hi looking forward for a freelance video maker for making credit card processing explainer videos for my organisation, can we collaborate? please drop your contact too!

Nice location sir 🎉❤

Cool

ruclips.net/video/7WuSciFFdnc/видео.htmlsi=c6ICZygKQ31ccUO5&t=941 I think OTP is generated by the Issuer and is validated by the issuer, not by TSP. Basically, the Issuer will tell TSP what authentication methods it supports. TSP will pass this info upstream. CH (Card Holder) will select OTP (for example) and a wallet will pass this downstream -> TSP -> Issuer. An Issuer will send OTP to a CH. The wallet will pass the OTP entered by CH downstream again -> TSP -> Issuer to validate the OTP. If OTP is valid - the issuer will tell TSP and TSP will tell the wallet. A token is now fully operational and can be used by a wallet.

Thanks for the video series. ruclips.net/video/7WuSciFFdnc/видео.htmlsi=yl9jIHs4bkg1I2PT&t=72 - This slide is not really about tokenisation benefits but rather about the benefits of wallets. Wallets solve problems listed on this slide but they can or can not use tokenisation. Tokenisation makes wallets more secure by removing the need for a wallet to store card numbers amongst other benefits. Am I right?

HI Sir, We want to integrate with an Device where there is internet connection Can i use proxy like below ? In this case Back End Servers think that, proxy is the browser. Can we do this? This would look like below Our Client <--> proxy < --> Back End Servers

The content being provided is very useful, Can you also do more sessions on chargebacks, pre arbitration also different payment terminology used in payments

Thanks for the great video of on-us and off-us. Just a quick question. Payment processing players such Visa, Master Card and Amex do not involve in the on-us model right? This is because in case of on-us the POS terminal acquiring and issued card authentication routing is done exclusively by a certain bank inside their network? Conversely, in case of off-us since different networks such as acquiring task and issued card authentication has to be routed separately Payment Systems have to be remained provided from Visa, Master card, Amex and Payment Gateaway/Vans?

Y law view count

Ramesh Sir, Thankyou for these videos. We wait eagerly for your new content. I have one doubt -- Before txn is reached to Authorization engine of Issuer, authentication is already performed and successful is that understanding correct?

Perfect so far

Ramesh sir first of all thank you for posting an informative video again. i have one question:- I have faced a scenario where with my State Bank credit card someone in US have purchased prime membership and he was just about to buy something from that prime account with fake address to ulitize my complete transaction limit, but I immediately got the deducted msg and blocked the card, question is how my card details he hacked, I have only done one domestic transaction with that card on Amazon.

Perfect !

Very good explanation 👏

Such a wonderful session! Thank you so much!

Just started working as a software engineer for a bank. This is very helpful information. Thanks!

Thank you for explaining

You are a savior for me

how ZMK clear components are shared between entities?

👍

Currently I'm working as a chargeback fraud analyst. I would like to do some certification which will align with my experience. Will you please guide me with this?

Thanks a lot Ramesh Sir

Cover Metro 2 related topics as well in detaisl