The pos ticket did not come out, but how did the customer receive the bank debit message? Spread the knowledge here:
The entire swiping card transaction process is: pos machine swiping card - data to UnionPay center - issuing bank - returning to UnionPay center - return pos machine ticket.
This is a complete process.
If the communication data in any one of the links in the middle is an unsuccessful transaction, the ticket will not be issued. The swiping process only triggered the bank's SMS system but it has returned to the front without going into the settlement system.
So why did you receive a text message but did not have a pos ticket?
It is because the data has come to the issuing bank and the issuing bank has recorded the consumption, but the fact that the data was not returned to pos is actually unsuccessful. The billing bank had an account before doing the settlement, but usually 24 hours or 48 hours, when the bank reconciles, it will find that the consumption is unsuccessful and will automatically correct, so a few days in the investigation will find that the deduction is unsuccessful. However, consumers generally do not understand this issue in this situation. Of course, I would not understand if I do not do this line. However, if a similar situation occurs, the 99% deduction will not be successful. So the average merchant will ask the customer to brush again or pay cash.
Why is this? Because the business is usually a business shop, it will not run for a short time and the card is the customer's own audit. If the audit did not deduct the money that is paid, it is right, if you really deduct the money, then the customer can tell him The issuing bank issued an order, because there was no small ticket at that time and it was certainly not possible to transfer this list. Then the bank would check the good money back to the cardholder.
With the merchants to explain the method, the first, the correction time is within 48 hours, the company or the store is the entity will not run in a day or two. Second, the consumer cardholder can initiate a transfer order to the bank without recognizing the purchase, and the merchant cannot provide a pos purchase order and cannot provide proof. The bank will not recognize it. Therefore, no 100% deduction for small ticket was unsuccessful. Because of this, funds are certainly safe.
In short, merchants using POS implements should pay attention to the interests of funds, small ticket is a certificate of the transaction, all successful transactions shall be subject to the cardholder's signature, no small ticket is unsuccessful, must allow the cardholder to re- Once a transaction occurs, if the cardholder actually receives a message but the ticket is not issued, he first leaves the cardholder's phone number and then explains to the customer that if the real bank deducts the payment, the cardholder only needs to initiate a transfer order. It will not be transferred back to the merchants, and it will not be returned to the merchants. In 99% of the cases, they will be directly returned to the customer's card. If they are true to the merchant’s account, they will not be able to transfer their orders. Return to the cardholder, so don't worry.
Let me talk a little trick
Tips: Merchants often encounter POS machines do not print a small ticket after swiping, but the cardholder’s mobile phone has received a bank deduction reminder message. When this happens
Merchants need not be confused about panic. They 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 and the consumer's money will immediately return to his card.
The occurrence of this kind of situation occurs in the telephone POS machine mostly, the reason is because the telephone line conveys the data to be instable, if this kind of situation often appears, it is recommended that the merchant repairs the telephone company to check the line.
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