Xiaobian guide: When the pros use the POS machine, after the merchants swipe the card, do the signature tickets have been kept? Fulianyin Xiaobian should remind the parents that they must develop the habit of keeping the merchant's signature ticket to prevent the criminals from defrauding the merchant funds. Let's talk to the parents about what to pay attention to when using the pos machine.
1. What is the order? What should I do if I receive the notification of the order?
The general statement is that the cardholder applies to the bank to transfer the small purchase ticket at the time of the consumer transaction. After receiving the mail, the original mail reply directly provides a small ticket for the purchase order;
If it is not available, the "Payment Statement" will be provided. If it is not provided or will be overdue, the freeze will be processed for 180 days. During the 180-day period, if the cardholder files a refusal, the bank will refund the recovered amount to the cardholder.
Precautionary advice: Merchants must ensure that the cardholder signs the purchase order and protects it from the purchase order for 2 years. Now more and more professional protesters are not paying attention to the loopholes in the purchase order. Initiate the order, if the merchant can not provide the purchase order at this time, the bank will refund the card to the cardholder. (If there is no money to deduct, the follow-up will be deducted).
2. The merchant is frozen, how to thaw?
If the frozen merchant wants to apply for thawing (no settlement period and suspension of settlement), please provide all the merchant's transaction purchase order, transaction certificate (invoice, transaction video, if a large amount of money is required to provide the contract, etc.) POS placement photos , business photo.
Prevention advice:
Avoid night-time transactions In addition to 24-hour convenience stores, KTV, bars and other businesses that operate at night, the rest of the merchants' normal business hours are mostly 8:00-20:00, please be sure to avoid trading or checking the balance during this period.
Avoid a single large transaction. The transaction volume of different industries should be within a reasonable range. For example, a one-time transaction of a 24-hour convenience store for one-time transactions of more than 10,000 yuan is not in accordance with the law. Once the transaction amount exceeds 50,000, it will be included in the scope of risk control. At the same time, such cards are vulnerable to "suspected pseudo-cards" and freeze funds.
Avoid sudden increase in the number of trading merchants, if the usual transaction amount is within a certain range, suddenly a transaction suddenly increased to several times and is easy to be frozen. The two cases of failed transactions and check balances are also included in the scope of risk control, so please do not use the check balance function on the machine, call the bank hotline or WeChat to check the balance before trading. Merchants who have been frozen should try to close the terminal and re-report the specification.
3. The purchase of the POS machine did not successfully print the purchase order, but how did the cardholder receive the debit message?
If the POS machine does not issue the purchase order, it is unsuccessful transaction. The cardholder's debit memo cannot be used as the basis for the transaction success. The merchant cannot hand over the goods to the cardholder. In general, do a consumer transaction or balance inquiry. Can correct the previous failed transaction (ie cancel the debit of the issuing bank);
If the cardholder's credit card statement is indeed debited, please ask the agent or merchant to download the statement on the merchant service website to confirm whether the unsuccessful transaction is settled. If the transaction can be found in the statement, please instruct the merchant to fill out the transaction. The special merchant remittance application form and remarks "The transaction purchase order has not been printed but the actual deduction has to be refunded". At the same time, the official seal of the merchant is stamped and the POS company is sent.
The POS company generally submits the UnionPay error handling platform within 3 working hours. The cardholder's accounting time depends on the card issuing bank. Generally, it will be returned to the cardholder account within 10-15 working days of the UnionPay; The statement shows that the debit has been debited. The merchant statement shows that the transaction has not been settled. Please call the acquiring company hotline for enquiry!
Prevention advice:
If you encounter this situation, please do not return the cash to the cardholder. If you want to give the card to the cardholder, you can leave the cardholder's ID card, the front and back of the card, and the payment statement.
If necessary, leave a video and inform the cardholder that the transaction has been completed, but the bank bill is subject to change. That is to say, the cardholder has approved the transaction and received the payment, so as to avoid the cardholder’s malicious adjustment in the future, and the merchant cannot provide the purchase order, and the payment is taken away by the cardholder again.
4. What is not the account? How to deal with it?
The non-flat account means that the money has been retired to the POS company account, and the transaction should be rushed at the time, and the actual situation is not successful. Regardless of whether the card is returned or returned to the merchant, the original email reply, tell us who the refund is, and if it is the merchant, you need to provide the payment slip (the merchant needs to stamp the stamp, in which the “information description†column must be Write out: whether the card is out of the purchase order, what is purchased, the thing is enough to give the cardholder, whether the cardholder pays cash or credit card).
Note: It is 7 working days for the cardholder and 20 working days for the merchant.
Precautionary suggestions: Due to the situation of rushing, POS and UnionPay are unable to solve this problem effectively. Please refer to the bank hotline for success, and then deal with it according to the specific situation. Please refer to the prevention advice of Question 3.
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