Nowadays, merchants have basically popularized the use of pos machines. However, in the daily card-receiving operation, they still often encounter POS tickets that have not come out, but the customer has received the bank deduction SMS. What should I do? Popularize the knowledge here:
â–º Swipe transaction process
The entire process of swiping the card is: pos machine swipe - data to UnionPay center - issuer - return to UnionPay center - return to the POS machine to issue tickets.
The following is a complete process:
If the communication data of any link in the middle is wrong, the transaction is unsuccessful, and pos will not issue the ticket. The card-swapping process only triggered the bank's SMS system but returned to the clearing system without going into the clearing system.
► Why did I receive a text message but didn’t have a pos ticket?
Because the data has already arrived at the issuing bank, the issuing bank recorded the consumption, but the data did not return to pos, and the actual deduction was unsuccessful. The billing bank is accounted for before the settlement, but generally 24 hours or 48 hours, when the bank reconciles, it will find that the consumption is unsuccessful, it will automatically correct, so after a few days, the investigation will find that the deduction is unsuccessful. But consumers generally don't understand this in this situation. Of course, we don't understand if we don't do this, but if a similar situation occurs, 99% of the deduction is unsuccessful. Therefore, the general merchant will ask the customer to brush again or pay cash.
Why is this happening?
It is because the merchant usually has a store for doing business, it will not run for a short time, and the card customer can check the account by himself. If the account is not deducted, the money paid is unsuccessful; if the deduction is true, then the customer can give him The issuing bank initiated the ordering, because there was no small ticket at that time, and it was definitely impossible to adjust the order. Then the bank would check the good money and return it to the cardholder.
Merchant explanation:
First, the time is up to 48 hours, the company or the store is an entity, it will not run in a day or two.
Second, the consumer cardholder can initiate a transfer to the bank, does not recognize the consumption, and the merchant can not provide a pos purchase order, can not provide the certificate, the bank will not recognize.
Therefore, 100% of the small ticket deduction is unsuccessful.
In short, merchants using pos machines should pay attention to the rights and interests of the funds. The small ticket is a voucher for the transaction. All successful transactions are subject to the signature of the card holder. It is unsuccessful to not issue the small ticket. If the cardholder receives the text message but the ticket is not issued, first leave the cardholder's phone number, and then explain to the customer, if the bank deducts the money, the cardholder only needs to initiate the order adjustment. Come out, it will still be returned to the cardholder, and generally no small ticket, 99% of the cases will be directly returned to the cardholder card, if it is true to the merchant's account, the tune can not be adjusted, the business will also Return it to the cardholder, so don't worry.
Let me say a little trick
Tip: Merchants often encounter POS machines after the card is swiped, the POS machine does not print out the small ticket, but the cardholder's mobile phone has received the bank deduction prompt message. In case of such a situation, please do not need to be confused by the merchants. You should use a UnionPay card at the first time:
1. Make a query or consumer transaction on the POS machine (any amount, 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. The merchant settles immediately and the consumer's money will immediately return to his card.
This situation occurs mostly in telephone POS machines. 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.
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