Legal Protection for Customers Credit Card Holder Bank Customers Which is Charged by Merchants in Payment Transaction Prof. Dr. I Nyoman Putu Budiartha, SH., MH, A.A. Sagung Laksmi Dewi, S.H., M.H, Nyoman Gde Antaguna SH.,MH
Warmadewa University
Abstract
The progress of the payment system in transactions using credit cards has the advantages of being efficient, easy, fast and safe. However, in its implementation, merchants use the payment system by surcharge so that it makes customers powerless and in Indonesia there are no regulations that are derivatives of the UUPK that regulates legal protection for credit card holders. The problems are: 1) What are the legal protection arrangements for bank customers who are credit card holders get surcharge by merchants in payment transactions? 2) What are the criminal sanctions against merchants who surcharge for credit card holder bank customers in payment transactions? The purpose of this study is to determine and examine the legal protection arrangements for bank customers who hold credit cards and criminal sanctions against merchants who charge a surcharge in payment transactions. The method used is the normative method. Legal protection for bank customers with a surcharge is stated in Article 8 paragraph (1) of Bank Indonesia Regulation 16/1/PBI/2014. Legal settlement efforts related to surcharges on customers can file a complaint with Bank Indonesia. After processing, Bank Indonesia will impose administrative sanctions up to the revocation of licenses for the operation of Payment System services.
