{"id":4431,"date":"2018-06-28T14:44:54","date_gmt":"2018-06-28T12:44:54","guid":{"rendered":"https:\/\/blog.gopay.com\/?p=4431"},"modified":"2023-08-30T13:35:39","modified_gmt":"2023-08-30T11:35:39","slug":"proc-platebni-brany-nemohou-spolupracovat-s-kazdym-e-shopem","status":"publish","type":"post","link":"https:\/\/www.gopay.com\/blog\/proc-platebni-brany-nemohou-spolupracovat-s-kazdym-e-shopem\/","title":{"rendered":"Pro\u010d platebn\u00ed br\u00e1ny nemohou spolupracovat s ka\u017ed\u00fdm e-shopem"},"content":{"rendered":"<p>Zpracov\u00e1vat denn\u011b tis\u00edce transakc\u00ed a m\u00edt zodpov\u011bdnost za velk\u00e9 objemy pen\u011bz nen\u00ed jen tak.<\/p>\n<p>Jako finan\u010dn\u00ed instituce mus\u00edme dodr\u017eovat celou \u0159adu pravidel a na\u0159\u00edzen\u00ed, jako nap\u0159\u00edklad AML pravidla (pravidla proti pran\u00ed \u0161pinav\u00fdch pen\u011bz), z\u00e1kon o platebn\u00edm styku nebo pravidla nadiktovan\u00e1 karetn\u00edmi asociacemi.<\/p>\n<p>Tato pravidla p\u0159\u00edmo ovliv\u0148uj\u00ed, s k\u00fdm m\u016f\u017eeme uzav\u0159\u00edt spolupr\u00e1ci.<\/p>\n<p>O jak\u00e1 pravidla se jedn\u00e1 a co z nich plyne pro obchodn\u00edky a e-shopa\u0159e?<\/p>\n<p><!--more--><\/p>\n<h1>Pravidla, kter\u00e1 ovliv\u0148uj\u00ed n\u00e1\u0161 postoj ke schv\u00e1len\u00ed spolupr\u00e1ce<\/h1>\n<h2>AML pravidla<\/h2>\n<p>Abychom zabr\u00e1nili zneu\u017eit\u00ed platebn\u00edho syst\u00e9mu, nap\u0159\u00edklad pro legalizaci v\u00fdnos\u016f z trestn\u00e9 \u010dinnosti, pou\u017e\u00edv\u00e1me vlastn\u00ed AML pravidla, kter\u00e1 vych\u00e1zej\u00ed z \u010desk\u00e9ho z\u00e1kona \u010d. 253\/2008 Sb., o n\u011bkter\u00fdch opat\u0159en\u00edch proti legalizaci v\u00fdnos\u016f z trestn\u00e9 \u010dinnosti a financov\u00e1n\u00ed terorismu.<\/p>\n<p>D\u016fsledkem t\u011bchto pravidel mimo jin\u00e9 je, \u017ee v\u0161echny obchodn\u00edky mus\u00edme identifikovat, tedy ov\u011b\u0159it jejich toto\u017enost a u firem zn\u00e1t jejich <a href=\"https:\/\/blog.gopay.com\/jake-legislativni-zmeny-cekaji-ceskou-e-commerce-v-roce-2018\/\" target=\"_blank\" rel=\"noopener\">skute\u010dn\u00e9 majitele<\/a>.<\/p>\n<p>V\u00edce o identifikac\u00edch se m\u016f\u017eete dozv\u011bd\u011bt <a href=\"https:\/\/help.gopay.com\/cs\/s\/iL\" target=\"_blank\" rel=\"noopener\">zde<\/a>.&nbsp;Cel\u00e9 zn\u011bn\u00ed z\u00e1kona \u010d. 253\/2008 Sb., najdete <a href=\"https:\/\/www.zakonyprolidi.cz\/cs\/2008-253\" target=\"_blank\" rel=\"noopener\">zde<\/a>.<\/p>\n<h2>Vnit\u0159n\u00ed z\u00e1sady a postupy<\/h2>\n<p>To, jak\u00fdm zp\u016fsobem hl\u00edd\u00e1me n\u00e1\u0161 platebn\u00ed syst\u00e9m p\u0159ed zneu\u017eit\u00edm k podvodn\u00fdm transakc\u00edm, definuj\u00ed krom\u011b AML z\u00e1kona i na\u0161e vnit\u0159n\u00ed z\u00e1sady a postupy. To znamen\u00e1, \u017ee:<\/p>\n<ul>\n<li>sledujeme a vyhodnocujeme podez\u0159el\u00e9 transakce<\/li>\n<li>kontrolujeme e-shopy<\/li>\n<li>kontrolujeme obchodn\u00edky na \u00farovni \u0159\u00edd\u00edc\u00ed a vlastnick\u00e9 struktury proti sank\u010dn\u00edm seznam\u016fm EU<\/li>\n<li>a d\u00e1le<\/li>\n<\/ul>\n<p>V\u0161echny tyto \u010dinnosti podl\u00e9haj\u00ed kontrole Ministerstva financ\u00ed \u010cR a dal\u0161\u00edm p\u0159\u00edslu\u0161n\u00fdm org\u00e1n\u016fm, kter\u00e9 na n\u00e1s dohl\u00ed\u017e\u00ed.<\/p>\n<h2>Pravidla karetn\u00edch asociac\u00ed<\/h2>\n<p>Karetn\u00ed asociace je sdru\u017een\u00ed vydavatel\u016f platebn\u00edch karet, mezi kter\u00e9 pat\u0159\u00ed Visa, Mastercard, Diners Club, American Express, Discover, a dal\u0161\u00ed. GoPay spolupracuje s Visa a Mastercard, v jejich\u017e programu je za\u0159azen jako Payment Facilitator a <a href=\"https:\/\/en.wikipedia.org\/wiki\/Payment_service_provider\" target=\"_blank\" rel=\"noopener\">Payment Service Provider<\/a>.<\/p>\n<p>Karetn\u00ed asociace stoj\u00ed na sam\u00e9m vrcholku pyramidy v oblasti byznysu platebn\u00edch karet, a tak rozhoduj\u00ed o tom, kdo s jejich kartami m\u016f\u017ee nakl\u00e1dat a kdo ne. Pravidla asociac\u00ed proto z\u00e1sadn\u00edm zp\u016fsobem ovliv\u0148uj\u00ed n\u00e1\u0161 postoj ke schv\u00e1len\u00ed akceptace platebn\u00edch karet.<\/p>\n<p>Asociace sv\u00e1 rozhodnut\u00ed ne\u010din\u00ed jen tak. Sna\u017e\u00ed se toti\u017e garantovat maxim\u00e1ln\u00ed bezpe\u010d\u00ed pro plat\u00edc\u00ed z\u00e1kazn\u00edky na internetu. A proto\u017ee n\u011bkter\u00e1 odv\u011btv\u00ed s sebou nesou v\u011bt\u0161\u00ed rizika (riziko pran\u00ed \u0161pinav\u00fdch pen\u011bz, podvodn\u00e9 platby, klam\u00e1n\u00ed z\u00e1kazn\u00edka, pochroum\u00e1n\u00ed reputace karetn\u00edho byznysu), tak se asociace sna\u017e\u00ed takov\u00fd druh zbo\u017e\u00ed omezovat.<\/p>\n<h3>Zak\u00e1zan\u00e9 zbo\u017e\u00ed<\/h3>\n<p>Existuje seznam odv\u011btv\u00ed, kter\u00e9 asociace nepodporuj\u00ed a v\u00fdslovn\u011b n\u00e1m zakazuj\u00ed s takov\u00fdmi odv\u011btv\u00edmi spolupracovat.<\/p>\n<p>Jedn\u00e1 se zejm\u00e9na o:<\/p>\n<ul>\n<li>neleg\u00e1ln\u00ed l\u00e9ky a l\u00e9ka\u0159sk\u00e9 pom\u016fcky<\/li>\n<li>neleg\u00e1ln\u00ed prodej tab\u00e1kov\u00fdch v\u00fdrobk\u016f<\/li>\n<li>agresivn\u00ed pornografie a zobrazov\u00e1n\u00ed n\u00e1sil\u00ed<\/li>\n<li>neleg\u00e1ln\u00ed hazard a loterie<\/li>\n<li>zbo\u017e\u00ed a slu\u017eby poru\u0161uj\u00edc\u00ed autorsk\u00e1 pr\u00e1va<\/li>\n<li>drogy a pom\u016fcky k jejich aplikaci<\/li>\n<li>neleg\u00e1ln\u00ed prodej zv\u011b\u0159e, rostlin a produkt\u016f z nich<\/li>\n<li>neleg\u00e1ln\u00ed elektronick\u00e9 za\u0159\u00edzen\u00ed<\/li>\n<li>n\u00e1tlakov\u00fd prodej<\/li>\n<li>pad\u011blan\u00e9 zbo\u017e\u00ed<\/li>\n<li>zpoplatn\u011bn\u00ed vl\u00e1dn\u00edch formul\u00e1\u0159\u016f USA<\/li>\n<li>n\u011bkter\u00e9 finan\u010dn\u00ed slu\u017eby nab\u00edzen\u00e9 do Japonska a Kanady<\/li>\n<\/ul>\n<p>S e-shopy, kter\u00e9 takov\u00e9 zbo\u017e\u00ed a slu\u017eby prod\u00e1vaj\u00ed, nesm\u00edme uzav\u0159\u00edt spolupr\u00e1ci.<\/p>\n<h3>Rizikov\u00e9 kategorie<\/h3>\n<p>Rizikov\u00e9 kategorie nejsou a priori zak\u00e1zan\u00e9. U n\u011bkter\u00fdch m\u016f\u017eeme spolupr\u00e1ci nav\u00e1zat, ale pouze za ur\u010dit\u00fdch podm\u00ednek.<\/p>\n<p>Nap\u0159\u00edklad nesm\u00edme u n\u011bkter\u00fdch odv\u011btv\u00ed poskytnout platebn\u00ed karty jako platebn\u00ed metodu, u n\u011bkter\u00fdch zase m\u016f\u017eeme, ale vztahuje se na n\u011b jin\u00e1 poplatkov\u00e1 politika.<\/p>\n<p>O jak\u00e9 rizikov\u00e9 kategorie se jedn\u00e1?<\/p>\n<ul>\n<li><strong>cestovn\u00ed ruch a kulturn\u00ed akce<\/strong> &#8211; probl\u00e9m cestovn\u00edch kancel\u00e1\u0159\u00ed a vstupenek na kulturn\u00ed akce je ten, \u017ee k platb\u011b doch\u00e1z\u00ed o dost dop\u0159edu, ne\u017e se akce uskute\u010dn\u00ed. Kdy\u017e pak cestovka zkrachuje, nebo se koncert neuskute\u010dn\u00ed, mohou vznikat chargebacky, kter\u00e9 nicm\u00e9n\u011b nejsou \u017e\u00e1douc\u00ed.<\/li>\n<li><strong>n\u00e1vykov\u00e9 produkty (tab\u00e1k, alkohol, konop\u00ed)<\/strong> &#8211; u n\u00e1vykov\u00fdch produkt\u016f neexistuje z\u00e1ruka, \u017ee nejsou prod\u00e1v\u00e1ny mladistv\u00fdm a d\u011btem. V kamenn\u00e9m obchod\u011b toti\u017e na rozd\u00edl od internetov\u00e9ho ob\u010danku zkontrolujete.<\/li>\n<li><strong>l\u00e9ka\u0159stv\u00ed a medic\u00edna (l\u00e9ky, dopl\u0148ky stravy)<\/strong> &#8211; tyto produkty mohou b\u00fdt zneu\u017eity k v\u00fdrob\u011b drog, pop\u0159. jejich neodborn\u00fd prodej m\u016f\u017ee z\u00e1kazn\u00edk\u016fm zp\u016fsobit \u00fajmu na zdrav\u00ed \u010di \u017eivot\u011b<\/li>\n<li><strong>sex a erotika (erotick\u00e9 chaty, seznamky, apod.)<\/strong> &#8211; produkty a slu\u017eby z t\u00e9to kategorie mohou snadno spadnout do zak\u00e1zan\u00e9 kategorie pornografie<\/li>\n<li><strong>ostatn\u00ed<\/strong><\/li>\n<\/ul>\n<p>Existuje v\u0161ak velk\u00e9 mno\u017estv\u00ed dal\u0161\u00edch kategori\u00ed, kter\u00e9 mus\u00edme vn\u00edmat za rizikov\u00e9. Jako p\u0159\u00edklad uv\u00e1d\u00edme:<\/p>\n<ul>\n<li><strong>digit\u00e1ln\u00ed hern\u00ed kl\u00ed\u010de (licence), gambling nebo prodej kup\u00f3n\u016f k dob\u00edjen\u00ed mobiln\u00edch telefon\u016f<\/strong> &#8211; velmi likvidn\u00ed zbo\u017e\u00ed, kter\u00e9 m\u016f\u017ee b\u00fdt c\u00edlem podvodn\u00edk\u016f s ukraden\u00fdmi platebn\u00edmi kartami<\/li>\n<li><strong>slevov\u00e9 port\u00e1ly<\/strong> &#8211; \u010das od \u010dasu se stane, \u017ee slevov\u00fd port\u00e1l nebo dodavatel slu\u017eby zkrachuje a lid\u00e9 nedostanou ani zbo\u017e\u00ed, ani sv\u00e9 pen\u00edze<\/li>\n<li><strong>filesharing<\/strong> &#8211; problematick\u00e9 z d\u016fvodu sd\u00edlen\u00ed obsahu, na kter\u00fd se mohou vztahovat autorsk\u00e1 pr\u00e1va<\/li>\n<li><strong>tr\u017ei\u0161t\u011b (marketplace)<\/strong> &#8211; velmi t\u011b\u017eko uhl\u00eddateln\u00e9, aby na tr\u017ei\u0161ti nebyla prod\u00e1v\u00e1na n\u011bkter\u00e1 rizikov\u00e1 nebo zak\u00e1zan\u00e1 kategorie<\/li>\n<\/ul>\n<h2>Jak\u00e1 dal\u0161\u00ed krit\u00e9ria posuzujeme?<\/h2>\n<p>Druh zbo\u017e\u00ed nen\u00ed jedin\u00e9 krit\u00e9rium, kter\u00e9 posuzujeme. Abychom si byli jist\u00ed, \u017ee se n\u00e1s nechyst\u00e1 o\u0161\u00e1lit podvodn\u00fd e-shop, pozornost v\u011bnujeme zejm\u00e9na:<\/p>\n<ul>\n<li><strong>historii firmy a e-shopu<\/strong> &#8211; zaveden\u00e1 firma, zn\u00e1m\u00e1 zna\u010dka nebo velk\u00fd e-shop &#8211; v\u0161echny tyto skute\u010dnosti maj\u00ed zna\u010dn\u00fd vliv na schv\u00e1len\u00ed spolupr\u00e1ce<\/li>\n<li><strong>vlastnick\u00e9 struktu\u0159e<\/strong> &#8211; kontrolujeme skute\u010dn\u00e9 vlastn\u00edky firmy, pokud je vlastnick\u00e1 struktura nejasn\u00e1. Zpozorn\u00edme v p\u0159\u00edpadech, kdy firmu vlastn\u00ed dal\u0161\u00ed firma, kter\u00e9 m\u00e1 s\u00eddlo nap\u0159\u00edklad v da\u0148ov\u00e9m r\u00e1ji.<\/li>\n<li><strong>recenz\u00edm z\u00e1kazn\u00edk\u016f<\/strong> &#8211; pokud m\u00e1 e-shop dlouhodob\u011b nevaln\u00e9 recenze a nespokojen\u00e9 z\u00e1kazn\u00edky, m\u00e1 malou \u0161anci, \u017ee s n\u00edm nav\u00e1\u017eeme spolupr\u00e1ci<\/li>\n<\/ul>\n<h3>Z\u00e1le\u017e\u00ed i na p\u016fvodu obchodn\u00edka<\/h3>\n<p>N\u011bkdy m\u016f\u017ee b\u00fdt druh zbo\u017e\u00ed \u00fapln\u011b v po\u0159\u00e1dku, ale h\u00e1\u010dek tkv\u00ed v p\u016fvodu obchodn\u00edka nebo osob stoj\u00edc\u00edch za obchodn\u00edkem.<\/p>\n<p>Existuje toti\u017e ur\u010dit\u00e1 rizikovost u zem\u00ed, kter\u00e9 nemaj\u00ed dostate\u010dn\u00e1 opat\u0159en\u00ed proti pran\u00ed \u0161pinav\u00fdch pen\u011bz a financov\u00e1n\u00ed terorismu nebo u zem\u00ed, kter\u00e9 jsou uvedeny na sank\u010dn\u00edch listech. S klienty z takov\u00fdch zem\u00ed nem\u016f\u017eeme uzav\u0159\u00edt spolupr\u00e1ci.<\/p>\n<p>Jedn\u00e1 se o zem\u011b jako S\u00fdrie, \u00cdr\u00e1n, KLDR, n\u011bkter\u00e9 africk\u00e9 zem\u011b, apod.<\/p>\n<h3>Informace uveden\u00e9 na e-shopu<\/h3>\n<p>Tak\u00e9 kontrolujeme, jestli e-shopy a weby uv\u00e1d\u011bj\u00ed na sv\u00fdch str\u00e1nk\u00e1ch d\u016fle\u017eit\u00e9 obchodn\u00ed informace. Op\u011bt to ned\u011bl\u00e1me z plez\u00edru, ale tyto informace vy\u017eaduje \u010desk\u00e1 legislativa a nav\u00edc i Visa a Mastercard. Pokud e-shop nem\u00e1 na sv\u00fdch str\u00e1nk\u00e1ch nap\u0159. obchodn\u00ed podm\u00ednky, reklama\u010dn\u00ed \u0159\u00e1d a dal\u0161\u00ed n\u00e1le\u017eitosti, hroz\u00ed mu odm\u00edtnut\u00ed spolupr\u00e1ce z na\u0161\u00ed strany nebo pokuta od \u010cesk\u00e9 obchodn\u00ed inspekce.<\/p>\n<p>V\u00edce informac\u00ed o n\u00e1le\u017eitostech prodejn\u00edho m\u00edsta si m\u016f\u017eete p\u0159e\u010d\u00edst <a href=\"https:\/\/help.gopay.com\/cs\/s\/gZ\" target=\"_blank\" rel=\"noopener\">zde<\/a>.<\/p>\n<h2>Z\u00e1v\u011br<\/h2>\n<p>Na\u0161\u00edm c\u00edlem je e-shop\u016fm pom\u00e1hat r\u016fst. Z\u00e1rove\u0148 chceme plat\u00edc\u00edm z\u00e1kazn\u00edk\u016fm na br\u00e1n\u011b poskytnout co nejv\u011bt\u0161\u00ed bezpe\u010d\u00ed.<\/p>\n<p>I kdy\u017e m\u00e1me sv\u00e1zan\u00e9 ruce a nem\u016f\u017eeme p\u0159ij\u00edmat ka\u017ed\u00e9ho, sna\u017e\u00edme se vych\u00e1zet maxim\u00e1ln\u011b vst\u0159\u00edc a v\u017edy naj\u00edt takov\u00e9 \u0159e\u0161en\u00ed, kter\u00e9 vyhovuje ob\u011bma stran\u00e1m.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Zpracov\u00e1vat denn\u011b tis\u00edce transakc\u00ed a m\u00edt zodpov\u011bdnost za velk\u00e9 objemy pen\u011bz nen\u00ed jen tak. Jako finan\u010dn\u00ed instituce mus\u00edme dodr\u017eovat celou \u0159adu pravidel a na\u0159\u00edzen\u00ed, jako nap\u0159\u00edklad AML pravidla (pravidla proti pran\u00ed \u0161pinav\u00fdch pen\u011bz), z\u00e1kon o platebn\u00edm styku nebo pravidla nadiktovan\u00e1 karetn\u00edmi asociacemi. Tato pravidla p\u0159\u00edmo ovliv\u0148uj\u00ed, s k\u00fdm m\u016f\u017eeme uzav\u0159\u00edt spolupr\u00e1ci. O jak\u00e1 pravidla se<a class=\"read-more\" href=\"https:\/\/www.gopay.com\/blog\/proc-platebni-brany-nemohou-spolupracovat-s-kazdym-e-shopem\/\">\u010c\u00edst d\u00e1le<\/a><\/p>\n","protected":false},"author":8,"featured_media":4520,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"coauthors":[13],"class_list":["post-4431","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aktuality-novinky-platebni-brana-gopay"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pro\u010d platebn\u00ed br\u00e1ny nemohou spolupracovat s ka\u017ed\u00fdm e-shopem | GoPay blog<\/title>\n<meta name=\"description\" content=\"Platebn\u00ed br\u00e1ny maj\u00ed zodpov\u011bdnost za velk\u00e9 objemy pen\u011bz a jako finan\u010dn\u00ed instituce mus\u00ed dodr\u017eovat celou \u0159adu pravidel. Takov\u00e1 na\u0159\u00edzen\u00ed p\u0159\u00edmo ovliv\u0148uj\u00ed, s k\u00fdm mohou uzav\u0159\u00edt spolupr\u00e1ci. O jak\u00e1 pravidla se jedn\u00e1 a co z nich plyne pro obchodn\u00edky a e-shopa\u0159e?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.gopay.com\/blog\/proc-platebni-brany-nemohou-spolupracovat-s-kazdym-e-shopem\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pro\u010d platebn\u00ed br\u00e1ny nemohou spolupracovat s ka\u017ed\u00fdm e-shopem | GoPay blog\" \/>\n<meta property=\"og:description\" content=\"Platebn\u00ed br\u00e1ny maj\u00ed zodpov\u011bdnost za velk\u00e9 objemy pen\u011bz a jako finan\u010dn\u00ed instituce mus\u00ed dodr\u017eovat celou \u0159adu pravidel. 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