POS machine credit card consumption must be based on small tickets, otherwise it is considered as unsuccessful consumption!
First, the merchant often encounters the POS machine after the POS machine swipes the card, but the card holder's mobile phone has received the bank deduction reminder message. In this case, please do not bother with the merchants and customers, and should use a UnionPay card in the first time.
1. Make a query or consumer transaction on the POS machine (any amount of 0, POS opportunity prompts you to “automatically rush and succeedâ€, and the cardholder will also receive a bank reminder message that the debit 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 bank card that has just been used to make a small amount of money, and the money that has not been returned will be returned to the cardholder immediately.
POS machine: This kind of situation occurs mostly in the telephone POS machine. The reason is that the data transmitted by the telephone line is unstable. If this situation occurs frequently, it is recommended that the merchants repair the telephone company to check the line.
Chongzheng transaction process
1) What is a positive transaction?
That is, a transaction has been set as a success flag in the terminal, but the transaction transaction package sent to the host has not received a response, that is, the terminal transaction has timed out. Therefore, it is not sure whether the transaction is successfully completed on the host side. In order to ensure the benefit of the user, the terminal resends the request to the host, requesting to cancel the flow of the transaction. If the host has successfully traded, 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 Success†and “Chong Zheng Unsuccessfulâ€:
1. “Chongzheng Successâ€: This transaction is successfully returned and needs to be re-swipe.
2. “Chongzheng is unsuccessfulâ€: The POS machine and the UnionPay settlement center have failed during the data transmission process. The account of the transaction initiator has been debited and the transaction initiator needs to re-swipe the transaction.
2) How do merchants judge “Chongzheng Success†and “Chongzheng Unsuccessful�
Example: A merchant's electrical appliance store consumes 500 yuan in 5-30 credit card. During the transaction, the error is corrected and the purchase order is not printed. The cardholder said that he received the bank debit memo. The merchant promptly calls the customer service hotline, and the customer service informs the record to reply after the bank reconciliation on the second day.
After the bank reconciles, “the transaction is successfulâ€, the transaction will be returned to the cardholder’s bank card.
If the merchant has delivered the goods/services: please fill out the “Special Merchant Collection/Request for Business Application Form†stamp and indicate the reason for submitting to the maintenance party, and apply for the payment into the merchant account;
After the bank reconciles, “the transaction is failingâ€, the transaction can be returned to the merchant or cardholder.
If the merchant has delivered the goods/services: please fill out the “Special Merchant Collection/Request for Business Application Form†stamp and indicate the reason for submitting to the maintenance party, and apply for the payment into the merchant account;
If the merchant has not delivered the goods/services: please contact the maintenance party, the payment will be directly returned to the cardholder.
There are still some situations that need to be made by banks. What is bank ordering?
What is bank ordering and what is the processing flow?
The word "ordering" is the bank and payment institution for bank card acquiring business. It will be more in contact. Many people also question why the order is triggered and why it should be adjusted.
1. The order is composed of 2 words. Let us explain the "single" first!
In the process of POS credit card transaction, the cardholder needs to print out the name of the merchant, the content of the consumer, etc. printed on the POS machine. The consumer signs the receipt to confirm the consumption of the person. The merchant must check the signature and keep the cardholder's signature. The voucher, the printed signature paper is “singleâ€, and as the technology develops, the paper quality may become less and less, becoming an electronic purchase order. The most important core of the single is the signature.
"Tune" this does not need to explain, the meaning of the transfer.
2. Why do you want to adjust the order?
In fact, the main purpose is to protect the legitimate rights and interests of all parties for the receipt of bank cards, and to protect the legitimate rights and interests of cardholders, special merchants, network access institutions and card organizations. (Chinese card organization is UnionPay) In fact, the card is actually a dispute transaction, the cardholder has doubts about his bank card (credit card) bill, or is not a transaction, you can submit a note to the card issuer, the card issuer will Initiating a call to the acquirer and retrieving the original transaction voucher to prove the cardholder's real trading scenario at the time. Confirm consumption, or make a division of responsibility.
Third, the process of ordering?
A. Card issuer submission
The card issuer submitted to China UnionPay. Submit a confirmation query should include the following:
Card issuer 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 order, you must also provide a contact method.
B. China UnionPay
The confirmation inquiry information will be forwarded to the acquiring institution; if the time limit for submission is exceeded, China UnionPay has the right to refuse the acceptance, and the reply to the card issuer is invalid.
C. Acquiring agency processing
Answers are made within the time limit of the review according to the requirements of the confirmation inquiry. The response should include the following: transaction account number, transaction date, transaction time, transaction amount, clearing date, transaction serial number, transaction address, or business name. Where a single order is required, the acquiring institution may provide the supporting documents by using the image transmission method provided by the platform; if the fax method is used, it must be provided to the card issuing institution and China UnionPay at the same time.
D. China UnionPay handles the investigation
Forward the verification information of the confirmation inquiry to the card issuer. If the merchant does not keep the small ticket, the consequences are very serious if there is a problem.
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