MO Training: Account Activation

What are the risk scores you can find on the Admin Dashboard?

• Very High Risk, High Risk, Low Risk

• Very High Risk, High Risk, Medium Risk, Low Risk, Very Low Risk

• High Risk, Medium Risk, Low Risk

• High Risk, Low Risk, No Risk

What is MO decision for merchant with this details:

Merchant type: Individual

Risk score: Very High Risk

• Nothing's wrong with the merchant

• Need to do another KYC

• Approved but no Cards

• Decline immediately

In BDD adjustment policy (18 July 2022), what are the parameters for MO in checking business platform: apps?

• Product/service type that merchant is selling on their apps is line with merchant's application, product/service is considered legitimate

• Apps should listed on official app store

• Business name displayed on proof of business is contextually in line with submitted business information

• Merchant's apps has overall good reviews; Merchant's apps has some bad reviews but it's only related to the apps performance, not fraud related; Merchant's apps doesn't have any bad review at all

• All answers are needed parameters for MO in checking business platform

Please mention what are the LDD requirements for onboard entities (PT, CV, Yayasan)?

• - Akta Pendirian and Latest Akta Perubahan

  - SK Menkeh (has to refer to Akta/Latest Akta Perubahan)

  - Business License

  - Director's ID

  - Company's NPWP

  - Additional business license

• - Akta Pendirian and Latest Akta Perubahan

  - SK Menkeh (has to refer to Akta/Latest Akta Perubahan)

  - Business License

  - Director's ID

  - Director's NPWP

  - Additional business license

• - Akta Pendirian and Latest Akta Perubahan

  - Business License

  - Director's ID

  - Company's NPWP

  - Additional business license

• - Akta Pendirian and Latest Akta Perubahan

  - SK Menkeh (has to refer to Akta/Latest Akta Perubahan)

  - Business License

  - Company's NPWP

  - Additional business license

The NIB of a merchant is categorized as Menengah Rendah. What additional document do we need to ask the merchant?

• No additional docs needed

• Akta Pendirian

• Sertifikat Standard

• SK Menkeh

What documents mention the Akta number?

• Company's NPWP

• NIB

• SK Menkeh

• Tanda Daftar Yayasan

Why do we have to ask merchants to provide Additional License?

• To reduce illegal businesses; to ensure high risk businesses have all their documents. If merchant is indeed the owner of the business, they should be able to provide the business licenses

• For the merchant to be able to activate certain payment methods

• For billing purpose

• For the merchant to add bank account

What is the difference between TDP, SIUP and TDUP?

• If merchant has TDP, SIUP is not needed

  TDUP is additional business license

• TDP and SIUP are additional business license

  TDUP is business license if the merchant doesn't have NIB

• They are all the same

• TDP and SIUP are business license, if the merchant does not have NIB

  TDUP is additional business license

If a merchant submitted a marketplace with a high risk score, How many max number red flags can they have in order to pass BDD?

• 1

• 2

• 3

• Automatic rejection

In the new BDD Adjustment, how many red flags does a merchant need to have for MO to request resubmission?

• For very low and low risk score web, socmed and marketplace more than 2 flags, for apps and micro e-com more than 1 flag, for medium and high risk score more than 1 flag

• For very low and low risk score web, socmed and marketplace more than 2 flags, for apps and micro e-com more than 2 flag, for medium and high risk score more than 1 flag

• For very low and low risk score web, socmed and marketplace more than 1 flags, for apps and micro e-com more than 1 flag, for medium and high risk score more than 2 flag

• For very low and low risk score web, socmed and marketplace more than 2 flags, for apps and micro e-com more than 2 flag, for medium and high risk score more than 2 flag