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Jangan Mau Transaksi Kartu Kredit Dikenakan Biaya 3 Persen PT Bank Central Asia Tbk menegaskan bahwa perseroannya tidak memungut biaya apapun dalam setiap transaksi kartu kredit nasabah dengan merchant (pengelola toko). Bahkan, hal itu tertuang dalam perjanjian kerja sama antara bank swasta nomor wahid tersebut dengan seluruh merchant-nya. “Charge (biaya) berapapun, 2,5 persen atau 3 persen, tidak kami perkenankan walaupun kartu kredit BCA digesek di mesinElectronic Data Capture (EDC) bank lain dan sebaliknya. Tidak ada itu,” ujar Direktur BCA Santoso kepadaCNNIndonesia.com , Jumat (8/9). Nasabah, lanjut dia, harus lebih kritis dan menolak jika transaksi pembayaran menggunakan kartu kredit dimintai biaya tambahan. Nasabah juga dipersilahkan untuk melapor masalah terkait jika terjadi.
“Kami akan tegur, bahkan kami bisa putus kerja sama dengan merchant. Tapi, nasabah harus buat laporan, karena persoalan semacam ini sulit dideteksi. Kalau nasabah setuju di-charge , transaksi yang tertera sudah termasuk biaya itu,” terang dia. Hal senada disampaikan Direktur Utama PT Bank Negara Indonesia (Persero) Tbk Achmad Baiquni. Ia bahkan dengan tegas melarang merchant memungut biaya sepeserpun dalam transaksi pembayaran menggunakan kartu, kartu kredit maupun kartu debit/ATM. Larangan itu tertuang dalam perjanjian kerja sama antara perseroan dengan merchant, serta dalam tagihan bulanan yang dikirimkan ke nasabah sebagai upaya mengedukasi. “Kalau ada yang ketahuan, dilaporkan, merchant akan kami kasih sanksi,” imbuhnya.
Biaya tambahan tiga persen dalam menggesek kartu kredit memang pernah berlaku. Namun, sudah dihapus oleh Bank Indonesia (BI) sejak 2011 silam lewat Peraturan Bank Indonesia Nomor 11/11/PBI/2009 tentang Penyelenggaraan Kegiatan Alat Pembayaran dengan Menggunakan Kartu. Tetapi, tidak banyak nasabah yang sepertinya sadar akan hal ini. Ditambah lagi, kemungkinan banyak merchant yang masih ingin ‘memanfaatkan’ tambahan biaya untuk menggemukkan kantongnya.Tak Ada Batas Minimal Transaksi Selain dilarang mengenakan biaya tambahan, merchant juga tak boleh membatasi nilai atau jumlah transaksi nasabah kartu kredit maupun kartu debit/ATM. Santoso mengungkapkan, batasan transaksi malah tidak mendukung program pemerintah untuk mengurangi gerakan non tunai.
“Di BCA, kami mendukungcashless society . Jadi, tidak mungkin kami batasi nilai transaksi. Mungkin begini ya, merchant butuh uang kecil, sehingga kalau nilai transaksinya kecil, ia mau pembayaran dilakukan secara tunai,” katanya.
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