In general, the use of credit cards by customers is intended as a replacement
payment with cash which can be redeemed for goods and / or services needed. This
credit card facility provides convenience to customers because there is no need to
carry cash that is at risk of criminal acts. In addition, one of the benefits of credit
cards is that customers can make cash withdrawals at ATMs even though the main
function of credit cards is for payment. But cash withdrawal using a credit card or
commonly referred to as Cash Advance is very different from cash withdrawal using
debit card. There are certain rules that limit the use of credit cards as a cash
withdrawal tool. Cash withdrawals using a credit card have a withdrawal limit
depending on the bank policy and the specified limit. Because of these limitations
then creates a new phenomenon called cash friction transactions / cash withdrawal
transaction credit card. Cash friction transactions or commonly referred to as
GESTUN, a solution for customers who have credit card owners who want to make
cash withdrawals but not through ATM. Card owner customers simply visit stores
or merchant that have credit card swipes (EDC), then withdraw cash according to
the desired amount. By doing GESTUN, credit card customers seem to be spending
goods through the store, but the acquired is not goods but money. So customers do
not take the goods but take cash for the amount of withdrawals desired or worth the
price of the goods. Although Gestun transactions provide convenience to customers
in withdrawals, but Bank of Indonesia prohibits the existence of cash withdrawal
transactions (Gestun) using credit cards. Through Bank of Indonesia Regulation
Number 11/11 / PBI / 2009 concerning the Implementation of Card-Based Payment
Instruments (APMK), cash withdrawal transactions (Gestun) are categorized as
either harmful actions committed by merchants. Article 8 paragraph (2) of Bank
Indonesia Regulation stipulates that a Bank or Financing Institution here in after
referred to as an Acquirer shall terminate its cooperation with a merchant
performing adverse action. Furthermore, in the explanation section it is stated that
included in the meaning of adverse action is the act of merchant adverse Principal,
Issuer, Acquirer and / or Cardholder, among other traders known to have
cooperated with the perpetrator of crime (fraudster), processing cash withdrawal
transaction credit card, or processing additional transaction fee (surcharge).