call referrals

[Tessy 1]

Пожалуйста, помогите перевести.< call referrals

>Выражение встречается в следующем контексте:(из анкеты эмитента)
Are call referrals handled in-house or by your MSP?
Do you generate call referrals for ATM, CAT and non face-to-face transactions?
Do you generate call referrals when your Call Centre is unavailable (i.e. out-of-office hours, holidays, etc)
Can you respond to call referrals 24/7?

Заранее спасибо

[squareone]

Call referral is a generic term for the "refer to card issuer" authorization response. A call referral indicates that the acquiring bank or merchant must contact the card issuer for further instructions. The card issuer uses the call referral as a fraud prevention tool when it suspects or is attempting to prevent fraud at the point of sale.