Some merchants often encounter POS machines do not print a small ticket after swiping the card, but the cardholder’s mobile phone has received a bank deduction reminder message. How to do this time? Xiao Bian reminds you: Don't panic in such a situation. You should use a UnionPay card for the first time.
1. Make a query or consumer transaction on the POS machine (any amount 0, the POS opportunity prompts you to "automatically correct"), and the cardholder will also receive a bank prompt message that the deduction has been returned to the account.
2. Let the merchant settle immediately, the consumer's money will immediately return to his card
3. Use the unpaid bankcard just used to brush a small amount of money. The money that has not been refunded immediately will be returned to the cardholder.
Pos machine: This occurs most often at telephone POS machines. The reason is that the telephone line transmission data is not stable. If this happens frequently, it is recommended that merchants repair the telephone company to check the line.
Chongzheng transaction processing
1) What is a correct trade?
That is, a transaction has been set as a success flag at the terminal, but the transaction transaction packet sent to the host has not been responded, ie the terminal transaction has timed out. Therefore, it is not sure whether the transaction is successfully completed on the host side. To ensure the interests of the user, the terminal sends a request to the host again to request cancellation of the transaction flow of the transaction. If the transaction is successful on the host side, the transaction is rolled back; otherwise, the transaction is not processed. , and then return the processing result to the terminal. There are two types of results: "Chong Zheng Cheng Cheng" and "Chong Cheng Yi Cheng Gong":
1. "Chongzheng Success": The transaction gold is successfully returned and needs to be re-swapped
2. "Chongzheng unsuccessful": The POS machine and the China UnionPay Clearing Center have caused a failure during the data transmission process. The transaction initiator's account has been allocated a deduction, and the transaction initiator needs to re-swipe the card transaction.
2) How do merchants judge that "Chongzheng is successful" and "Chongzheng is not successful?"
Example: A merchant electrical shop spends 5-30 credit card spending 500 yuan, during the transaction error correcting and did not print out the purchase order, the cardholder that received the bank deduction SMS. The merchants call the customer service hotline in a timely manner. The customer service tells the bank to reply after the reconciliation with the bank on the second day.
After the bank reconciliation, "Transactions are correct," this transaction will be returned to the cardholder's bank card.
If the merchant has delivered goods/services: Merchants should fill in the stamp of the "Application Form for Special Merchant Collection/Payment Service" and state the reasons for submitting to the maintainer for applying for payment into the merchant account;
After the bank reconciliation, "Transactions failed to correct", this transaction can be returned to the merchant or cardholder.
If the merchant has delivered goods/services: Merchants should fill in the stamp of the "Application Form for Special Merchant Collection/Payment Service" and state the reasons for submitting to the maintainer for applying for payment into the merchant account;
If the merchant has not delivered the goods/services: Please contact the merchant to contact the maintenance party. The amount will be refunded directly to the cardholder.
There are still some cases that require bank orders. What is a bank order?
What is a bank transfer order and what is the processing flow?
The word “adjustment†is the bank and payment institution for the bank card acquiring business. There will be more contact, and many people also wonder why the order adjustment occurs and why the order is changed.
One.'Order transfer' consists of 2 words. Let's explain the 'single' first!
In the POS credit card transaction process, the cardholder needs to print out a note printed at the POS machine stating the name of the merchant and consumer content. The consumer confirms his/her own consumption by signing on the single card. The merchant should check the signature and keep the cardholder's signature. The vouchers printed on the signature paper are “singleâ€. With the development of the technology, the paper may become less and less and become the electronic signing order. The single most important core is the signature.
"Tune" does not need to explain this.
2. Why should I order?
In fact, the main purpose is to maintain the legitimate rights and interests of the parties and to protect the legitimate rights and interests of cardholders, special merchants, network access agencies and card organizations. (The Chinese card organization is UnionPay.) In fact, the order is actually processed by the card. The cardholder has doubts about his own bank card (credit card) bill, or it is a non-person transaction. You can submit a note to the card issuing bank. Initiate a purchase order to the acquirer, and retrieve the original transaction certificate to prove the cardholder’s real trading scenario at that time. Confirm the consumption, or conduct the division of responsibilities.
Third, the process of transfer orders?
A. Card issuer
The card issuer submits to China UnionPay. The submission confirmation query should contain the following:
Card issuing institution code, transaction account number, transaction date, transaction time, transaction amount, clearing date, transaction serial number, terminal identification code, or merchant code. If you need to transfer orders, you must also provide contact methods.
B. China UnionPay processing
The confirmation information is forwarded to the acquirer; if the time limit for the submission is exceeded, China UnionPay has the right to reject the application and respond to the card issuer to submit the invalidation.
C. Acquirer processing
According to the requirements of the confirmation query, reply within the verification period. The reply should contain the following:
Trade account number, transaction date, transaction time, transaction amount, clearing date, transaction serial number, transaction address, or merchant name. If an order is required, the acquirer can use the image delivery method provided by the platform to provide the certification document; if the fax method is used, it must be provided to the card issuing institution and China UnionPay.
D. China UnionPay handles revenge
The verification information of the confirmation query is forwarded to the card issuing institution.
If the merchant does not keep the swipe ticket, the consequences of the problem are very serious.