Due to the recent increase in mails issued by some third-party payment companies regarding the freezing of funds, bank orders, and non-flat accounts, it is because more and more professional criminals in the market are trying to exploit the loopholes. The most important thing is that the merchants have not saved the purchase order or Non-cardholders' signatures defraud the merchants' funds. It is expected that the companies will do more to do the risk control work. This is to protect the rights of agents and merchants in order to avoid the loss of merchant funds caused by unscrupulous drill holes. Therefore, please cooperate actively, please be sure to read and apply to the actual business development work!
1. Q: What is the order? How to deal with the notification of the order received:
A: The general statement is that the cardholder applies to the bank to transfer the small purchase ticket at the time of the consumer transaction. After receiving the mail, the original mail reply can provide the small ticket for the purchase order; if it is not available, the "payment statement" will be provided. If it is not provided or will be overdue, the freezing time will be 180 days. During the 180-day period, if the cardholder files a refusal, the bank will refund the recovered amount to the cardholder.
Precautionary advice: Merchants must ensure that the cardholder signs the purchase order and protects it from the purchase order for 2 years. Now more and more professional protesters are not paying attention to the loopholes in the purchase order. Initiate the order, if the merchant can not provide the purchase order at this time, the bank will refund the card to the cardholder. (If there is no money to deduct, the follow-up will be deducted)
2. Q: The merchant is frozen, how to thaw?
A: If the frozen merchant wants to apply for thawing (no settlement period and suspension of settlement), please provide all the merchant's transaction purchase order, transaction certificate (invoice, transaction video, if there is a large amount of money, need to provide contract, etc.) POS Place photos, business photos.
Note: If it is not a fake card, it will be thawed 1 T working day after the data is successfully delivered. If it is a fake card, it must be released after the notification is given by the regulatory agency.
Prevention advice:
1. Avoid night-time transactions In addition to 24-hour convenience stores, KTV, bars and other businesses that operate at night, the rest of the merchants usually operate from 8:00 to 20:00, so please avoid trading or checking the balance during this period.
2, to avoid a single large transaction, the transaction volume of different industries should be within a reasonable range, such as a 24-hour convenience store one-time transaction of more than 10,000 yuan is not in line with the convention, once the transaction amount of more than 50,000 single will also be included in the wind Control the scope of the inspection, while such cards are vulnerable to "suspected pseudo-cards" and freeze funds.
3, to avoid sudden increase in pen trading merchants if the usual transaction amount is within a certain range, suddenly a transaction soared to several times it is easy to be frozen.
4, the failure of the transaction and the balance of the inquiry are also included in the scope of the risk control, so please do not use the inquiry balance function on the machine, call the bank hotline or WeChat to check the balance before trading.
5. If the merchant has been frozen, please close the terminal as much as possible and re-report the specification.
The strictness of the wind control is also a protection measure for the agents. If you encounter the inevitable frozen funds, please be sure to take the cooperation seriously and deal with such mails in the first time, in case the overdue headquarters does not accept, please also Save each purchase order and merchant signature (reprint is invalid), and the rest of the materials need to be true and complete before they can be thawed!
3. Q: The POS machine has not successfully printed the purchase order, but how does the cardholder receive the debit message?
A: The POS machine does not have a purchase order. The cardholder's debit memo cannot be used as the basis for the transaction success. The merchant cannot hand over the goods to the cardholder. In general, make a consumer transaction or balance. The inquiry can correct the previous failed transaction (ie, cancel the debit of the issuing bank); if the cardholder's credit card statement is indeed debited, please ask the agent or merchant to download the statement on the merchant service website to confirm the failure. If the successful transaction is settled, if the transaction can be found on the statement, please instruct the merchant to fill out the “Special Merchant Reconciliation Request Form†and note that “The transaction purchase order is not printed but the actual debit has to be refunded†At the same time, the official seal of the merchant is affixed and the POS company is sent to the POS company. The POS company generally submits the UnionPay error handling platform within 3 jobs. The cardholder's entry time depends on the issuing bank, and the general situation is 10-15 jobs submitted to UnionPay. If the cardholder's statement shows that the card has been debited, the merchant's statement shows that the transaction has not been settled. Please call the acquiring company hotline for enquiry!
Note: In order to prevent the cardholder from ordering, please be sure to remind the merchant not to return the cash to the cardholder.
Precautionary advice: If you encounter this situation, please do not return the cash to the cardholder. If you want to give the card to the cardholder, you can leave the cardholder’s ID card, the front and back of the card, and the payment statement. . If necessary, leave a video and inform the cardholder that the transaction has been completed, but the bank bill is subject to change. That is to say, the cardholder has approved the transaction and received the payment, so as to avoid the cardholder’s malicious adjustment in the future, and the merchant cannot provide the purchase order, and the payment is taken away by the cardholder again.
4. Q: What is the non-flat account? How to deal with it?
A: The non-flat account means that the money has been retreated to the POS company account. The transaction should be rushed at the time, and the actual situation is not successful. Regardless of whether the card is returned or returned to the merchant, the original email reply, tell us who the refund is, and if it is the merchant, you need to provide the payment slip (the merchant needs to stamp the stamp, in which the “information description†column must be Write out: whether the card is out of the purchase order, what is purchased, the thing is enough to give the cardholder, whether the cardholder pays cash or credit card).
Note: It is 7 working days for the cardholder and 20 working days for the merchant.
Precautionary suggestions: Due to the situation of rushing, POS and UnionPay are unable to solve this problem effectively. Please refer to the bank hotline for success, and then deal with it according to the specific situation. Please refer to the prevention advice of Question 3.
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