Legal Protection for Bank Customers Holding Credit Cards Who are Charged with Surcharges by Merchant in Payment Transactions

DOI

10.2991/978-2-494069-93-0_54How to use a DOI?

Keywords

Legal protection; Consumers; Credit cards

Abstract

Advances in payment systems in credit card transactions have advantages, such as being more efficient, easier, faster and safer. Nevertheless, in its implementation merchants take advantage of this payment system by charging surcharges to the customers and in that condition the customers are powerless. Unfortunately, in Indonesia there is no regulation that is derived from the Consumer Protection Act (referred to as UUPK) which regulates legal protection for credit card holders. How is legal protection for consumers holding bank credit card customers who are charged with surcharges by merchants in payment transactions regulated? 2) What are the criminal sanctions against merchants who charge a surcharge for bank customers holding credit cards in payment transactions? Legal protection for bank customers who are charged with surcharges is regulated in Article 8 paragraph (1) of Bank Indonesia Regulation Number 16/1/PBI/2014. Legal settlement efforts for cases involving surcharges for customers are those customers can make a complaint to Bank Indonesia. After the matter is processed, Bank Indonesia will impose administrative sanctions up to the revocation of the license for the administration of Payment System services.

Copyright

© 2023 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - I Nyoman Putu Budiartha
AU  - A. A. Sagung Laksmi Dewi
AU  - Nyoman Gede Antaguna
PY  - 2023
DA  - 2023/01/25
TI  - Legal Protection for Bank Customers Holding Credit Cards Who are Charged with Surcharges by Merchant in Payment Transactions
BT  - Proceedings of the 3rd International Conference on Business Law and Local Wisdom in Tourism (ICBLT 2022)
PB  - Atlantis Press
SP  - 454
EP  - 459
SN  - 2352-5398
UR  - https://doi.org/10.2991/978-2-494069-93-0_54
DO  - 10.2991/978-2-494069-93-0_54
ID  - Budiartha2023
ER  -