Ukrainians are increasingly facing the blocking of their bank cards, but soon there may be even more such cases. In addition, tens, or even hundreds of thousands of people may end up on the “black list”, or more precisely, the Register of Drops, that is, people who use bank cards to withdraw and legalize funds.
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The relevant bill No. 14161 was submitted to the Verkhovna Rada by a group of people's deputies. The document proposes the creation of a legal mechanism for the accumulation and exchange of information about persons whose payment transactions require enhanced control, its storage and access to it by banks.
The essence of the proposed document is the creation by the National Bank of Ukraine of a Register of Drops and the accumulation of data about them, which can then be received by organizations providing payment services, primarily banks. According to the authors, the list will be replenished at the expense of banks, which will enter information about suspicious clients, based on signs that may indicate that the person transferring money is using a card to withdraw funds, and the merchant is violating the accepted requirements.
Before providing payment services, banks will be required to obtain information from the registry:
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– before establishing a business relationship with a user – an individual or a trader;
– when changing data, the list of which is established by the National Bank of Ukraine, of a user-individual or a merchant, when authenticating in remote communication means (including re-registration with a frequency determined by the NBU), when entering the payment application from a new device;
– in case of detection of established signs during payment monitoring, provided for in Article 51 of the Law of Ukraine “On Payment Services” and other forms of interaction between payment service providers;
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– with each change/addition of a new code of the activity category of the merchant enterprise.
At the same time, even if the name of a potential bank client appears in the new register, he will not be denied service, but compared to regular clients, he will receive a number of restrictions:
– limits for payment transactions;
– restrictions on the number of payment instruments and/or payment, current accounts and/or electronic wallets opened with one payment service provider;
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– for merchants – limits for payment transactions, including the volume of acquiring transactions, the size of which is determined by the National Bank of Ukraine.
If the established limit on the number of current, payment accounts, and electronic wallets is exceeded, the bank will refuse the client the opportunity to open a new current, payment account, or electronic wallet.
According to the authors of the bill, drop accounts are usually used for 1 to 3 months. Transfer amounts through them are divided into small amounts, which are made both between different accounts of one user and between a network of unrelated users (between different drops) in order to complicate the scheme or disguise the behavior of the drop and imitate the behavior of a regular user.
Regarding the number of “drops”, the authors cite data that in 6 months of 2024, only the two largest banks identified and terminated relations with 80 thousand “drop” clients. According to the NBU, up to UAH 200 billion can be pumped through the cards of such attackers annually.
Previously, “FACTS” talked about what to do so that you are not mistaken for a “drop”.
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