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.
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.
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 refunded 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 deducted 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.
What is bank ordering?
"Ordering" consists of 2 words. Let us explain "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, and the consumer is on the order. Signature confirmation of my consumption, the merchant should check the signature and retain the certificate signed by the cardholder. The printed signature paper is “singleâ€. As the technology develops, the paper may become less and less, and become an electronic purchase order. The single most important core is the signature.
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