POS ticket did not come out of the debit information has been received how to solve

With the development of the times, more and more merchants use POS machines. In the daily credit card collection operation, they 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:

Credit card 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 the 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.

Let me talk about a little trick first.

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 this case, please do not need to worry about the merchants, you should use a UnionPay card in the first time.

1. Make a query or consumer transaction on the POS machine (any amount, POS opportunity prompts you to “automatically rush and succeed”, 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.

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 without a 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.

Why did you 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 the POS machine. In most cases, the deduction was unsuccessful. The billing bank was posted before the settlement, usually 24 Hours or 48 hours, when the bank reconciles, it will be found that the consumption is unsuccessful, it will automatically correct, so after a few days, the customer will find that the deduction is unsuccessful.

What happens to merchants when POS transactions occur?

The small ticket is a voucher for the transaction. All successful transactions are subject to the customer's signature. If the small ticket is not successful, the customer must be traded again, leaving the customer's phone number, and the subsequent explanation is convenient; and generally not In most cases, the small ticket will be returned directly to the customer. If it is true to the merchant's account, the merchant is obliged to return the money to the customer, so please do not worry about the safety of the fund.

Merchants are not required to be confused and should take out a UnionPay card in the first time:

Solution one:

1. Make a query or consumer transaction (arbitrary amount) on the POS machine, the POS opportunity prompts “Automatically corrects success”, and the customer will also receive a bank reminder message that the debit has been returned to the account.

2. Let the merchant settle immediately, and the customer's money will immediately return to his card.

Solution 2

1. The merchant promptly calls the Lakara customer service hotline, and the customer service informs the second day to reply with the bank after reconciliation.

2. After the bank reconciles, “the transaction is successful”, the transaction will be returned to the customer. 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 Lakara. After 30 days, apply for the payment into the merchant account.

3. After the bank reconciles, “the transaction is failing”, the transaction can be returned to the merchant or customer.

How to explain to customers?

1. The bank's correct time is 48 hours. The company or the store is an entity. It will not run for a day or two.

2, the customer can initiate a transfer to the bank, do not recognize the consumption, and the merchant can not provide a POS purchase order, can not provide payment vouchers, the bank will not recognize, the money is safe.

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