FDS · Module 03

Merchant Monitor

Pemantauan merchant elektronik dan POS partner Kredit Plus untuk mendeteksi kolusi, faktur fiktif dan bust-out merchant.

Active Merchants

3,412

POS + e-shop

High-Risk

58

1.7% of base

Pending Review

142

Avg Refund Rate

3.1%

Industry benchmark 4%

PATTERN #11

Phantom Electronic Shop

Merchant POS tidak ada secara fisik, hanya KTP fiktif.

CRITICAL · 95
AUTO REJECT
merchant_id:MRC-EL-44219
geo:Alamat tidak ditemukan Google Maps
notes:0 transaksi non-credit

POJK SAF Pasal 18

PATTERN #12

Inflated Invoice (Markup HP)

Harga handphone digelembungkan 200% untuk cair lebih.

HIGH · 82
FLAG FOR_REVIEW
merchant_id:MRC-EL-10882
notes:iPhone 15 invoiced @ Rp 38jt (market: Rp 18jt)

POJK SAF Pasal 19

PATTERN #13

Round-Tripping Transactions

Barang tidak pernah berpindah, hanya transaksi paper.

HIGH · 87
AUTO REJECT
merchant_id:MRC-EL-77310
notes:Same IMEI sold 6x in 30 days

POJK SAF + APU-PPT

PATTERN #14

Merchant Collusion Ring

Beberapa merchant + sales bekerja sama meloloskan kredit fiktif.

CRITICAL · 93
AUTO REJECT
merchant_id:Cluster-BDG-007
notes:5 merchants share same bank account

POJK SAF Pasal 21

PATTERN #15

Fake IMEI / Serial Number

Nomor seri barang elektronik tidak terdaftar GSMA.

HIGH · 76
FLAG FOR_REVIEW
merchant_id:MRC-EL-55420
notes:IMEI 35XXXX-not-in-TAC

Permendag + POJK SAF

PATTERN #16

Bust-Out Merchant Pattern

Merchant baru, volume tinggi cepat, lalu hilang.

HIGH · 84
FLAG FOR_REVIEW
merchant_id:MRC-EL-99001
notes:Onboarded 14d ago, Rp 2.1B disbursed

POJK SAF Pasal 22

PATTERN #17

Refund Abuse / Chargeback Mill

Pengembalian barang massal pasca pencairan.

MEDIUM · 70
FLAG FOR_REVIEW
merchant_id:MRC-EL-21130
notes:Refund rate 38% (avg 3%)

POJK SAF Pasal 23

PATTERN #18

Cross-Border POS Leakage

Terminal POS digunakan di luar wilayah izin.

MEDIUM · 68
FLAG FOR_REVIEW
merchant_id:MRC-EL-30021
geo:Registered: Medan / Tx: Johor Bahru, MY

POJK SAF Pasal 24