With the development of the times, the consumption level is rising, and credit card consumption is a popular trend. POS has become an indispensable assistant in the merchant transaction process.
The first step is to talk about the card process:
POS machine card--data to UnionPay Center--issuing card--return to UnionPay Center--back to POS machine for small ticket.
This is a complete process. The communication data of any link in the middle is wrong. If the transaction is unsuccessful, pos will not make a small ticket.
Don't panic when dealing with small tips, just use a UnionPay card
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.
If you can't correct it:
As a merchant: the general merchant will ask the cardholder to brush again or pay cash.
At the same time, the merchants should also contact the pos merchants, report the situation to the pos merchants, and verify with the staff that the transaction without the small ticket is a failure, or is it successful?
If the cardholder does not cooperate and insists on taking the goods, the merchant can negotiate with the cardholder, leaving the cardholder's name, mobile phone number, complete bank card number, ID card number and other information, and let the cardholder handwritten A small ticket (content includes: time of day, name of consumer goods, amount of consumption, signature by cardholder).
Merchants should note that all successful transactions are subject to small tickets. Non-ticket transactions are considered as failed transactions. Cardholders must be swiped or paid cash, and merchants must protect their own interests.
After the transaction has not been verified, if the transaction is successful, the merchant will contact the customer and inform the bank that the bank will return the money to the cardholder's card within 15 working days (depending on the issuing bank).
As a cardholder:
1. It is considered that the receipt of the deduction information is a successful transaction, and the explanation of the merchant will not be understood.
2. But if a similar situation occurs, 99% of the deductions are unsuccessful.
3. Please believe that the merchant has a storefront in doing business, and generally will not run away in a short period of time. Cardholders can also check with the issuing bank or go to the bank to print the statement the next day. If the deduction is successful, the cardholder can initiate an application for the transfer to the bank, because there is no small ticket at that time, it must not be adjusted. This list, then the bank will still check the good money back to the cardholder.
As long as the cardholder initiates the transfer and cannot adjust it, the UnionPay will return it to the merchant. At that time, the merchant will also return the money to the cardholder, so don't worry.
note:
All pos transactions are subject to the small ticket as the successful transaction, and all the small tickets are failed transactions, not the cardholder's deduction SMS. When the transaction is unsuccessful, pos will move itself to UnionPay, and the funds will be automatically returned to the original card within a few seconds (no SMS reminder when returning), and will be returned at 23:00 on the same day.
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