(1) The UnionPay card must be accepted for use on POS equipment in the following cases:
(1) The card is affixed with the “UnionPay†logo;
(2) The card presented does not have the words “sample cardâ€, “special card†or “VOIDâ€, and there is no trace of damage or alteration;
(3) The card presented does not belong to the card in the "stop list";
(4) The card presented must be within the validity period;
(5) For the issuing bank, the cardholder is required to present his valid ID card (resident ID card, military officer's card or passport) when using the UnionPay card. The valid ID card presented should be the identity of the cardholder (name, gender). , appearance, etc.) and the relevant content on the card;
(6) The relevant valid documents presented are in good condition, without any alteration or forgery;
(7) If a color photo card is used for trading on a POS terminal device, the identity of the cardholder (name, gender, appearance, etc.) should match the relevant content on the photo card;
(8) The cardholder shall use the method of entering the password as the voucher for obtaining authorization, and shall not use manual authorization and pressure card operation;
(9) The card holder's face-to-face autograph on the purchase order shall be in accordance with the name and handwriting of the reserved signature on the back of the UnionPay card. If there is no cardholder's signature on the back of the card or the reserved signature is unclear and has been altered, it must be rejected. And immediately contact the issuing bank.
(2) Merchants of credit card machines shall not accept the following UnionPay cards for use on POS machines, otherwise the risk losses caused by them shall be borne by themselves:
(1) Credit cards, debit cards, and smart cards that have not been approved by the issuing bank;
(2) For a credit card with an anti-counterfeiting mark, its anti-counterfeiting mark is damaged or blurred;
(3) The issuing bank instructs the user of the credit card machine to pay the credit card;
(4) Credit cards used in excess of the authorized limit;
(5) Credit cards whose expiration date expires;
(6) UnionPay cards that are obviously not used by the cardholder himself;
(7) There is no cardholder on the back of the UnionPay card to reserve the signature or to reserve the UnionPay card with unclear signature and altered.
(3) The error transaction processing method shall be consistent with the original transaction path. The credit card machine merchant shall not pay the cardholder's cash in the form of credit card, pressure card, signing, remittance, etc., and bear the loss caused by the violation of relevant regulations. (commonly known as cashing out)
(4) There is no special written agreement between the merchants of the credit card machine and the acquiring bank, the user of the machine must obtain authorization through the online transaction method of “swipe card†when receiving the POS payment method; otherwise, the economic loss caused by the credit card machine merchant To bear.
4. Transaction documents
4.1. Effective transaction documents
The transaction document must meet all of the following conditions, and this agreement is considered to be a "valid transaction document":
(1) After the merchant of the credit card machine accepts the UnionPay card transaction on the POS terminal, the information such as the ticket stub and the original documents related to the transaction shall be kept from the date of the transaction and retained for at least 24 months (except as otherwise provided by law). The economic loss caused by the improper or lost storage of the transaction documents by the merchant of the credit card machine shall be borne by the applicant;
(2) The credit card machine merchant must clearly print the credit card, debit card, smart card account number, and the name of the credit card merchant and the merchant number on the transaction document;
(3) The UnionPay card purchase receipt shall be signed by the cardholder and must match the name and handwriting of the signature on the back of the UnionPay card;
(4) The credit card merchant shall record the price of the goods or services provided in RMB, and the date of each transaction shall be recorded on the transaction document;
(5) Nothing on the transaction document may be altered.
4.2, invalid transaction documents
Any transaction document submitted by a card merchant that does not meet the conditions of a "valid transaction document" may be considered invalid.
And have the right to recover the amount paid. If the acquiring bank accepts the purchase receipt submitted by the card-selling merchant, it shall explain the reason to the user of the credit card machine, and the acquiring bank has the right to directly withdraw or actively deduct the relevant amount that has been credited to the card-swapping merchant in the credit card merchant settlement account, or The amount to be paid to the credit card merchants in the future will be deducted directly.
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