The Bank of Russia has developed proposals for the acquisition of banks and payment aggregators in order to strengthen control over shops and restaurants in terms of compliance with their actual and declared activities. This advice will help combat the so-called “restaurant scheme” and reduce money laundering risks, according to reports RBC.
It was noted that the Central Bank had identified some security vulnerabilities that allowed purchases to be used by unscrupulous market participants.
In particular, the regulator found that many cafes and restaurants were incorrectly using service procurement services by registering cashless payment terminals and cash register equipment with third parties, and that these devices were used to accept payments from customers. This plan allowed business owners to avoid depositing money into their accounts; The money was directed to the accounts of travel companies and large car dealers or to the accounts of ordinary citizens for the purchase of cash sale proceeds.
The Central Bank also recommended that banks assign MCC codes (merchant category codes indicating the category of goods or services) to stores and service businesses and ensure that the code corresponds to the declared activities of the company, monitor the number of payments per hour, day or hour. moon etc.
At Rosfinmonitoring in August reportedIt was stated that the total volume of suspicious transactions involving the withdrawal of money from Russia to foreign countries in 2022 decreased by approximately one third compared to 2021.
previously lawyer in the name Five rules to prevent scammers from deceiving you.