When customers use POS machines, they will occasionally encounter unsuccessful payments. Although this kind of situation rarely occurs, it is not trivial to collect money. Please don't panic. Today, Xiaobian and everyone share it. The reason for the arrival of the account and the solution.
1
Determine if it is a unilateral account
The so-called unilateral account means that the transaction is not successful. Although the customer receives the debit memo, the money will not be paid to the merchant, and the money will be returned to the cardholder by the bank. If the card issuing bank returns to UnionPay or when the signal is terminated by UnionPay feedback POS, the POS will not receive the feedback signal, but at this time, the debit memo has been sent, which causes the cardholder to receive the message but the POS does not. The result of the purchase order. At this point, you need to perform the punching operation on the POS machine. The card amount will be returned to the cardholder, and then the card transaction can be resumed.
2
The merchant did not receive the incoming SMS
The merchant did not receive the SMS message and thought that there was no settlement. This situation is very common and is one of the reasons why some merchants call after-sales. This is because the merchants UnionPay transfer funds sometimes do not have SMS reminders or delays for a long time, the account inquiry must be based on online banking. Reminder: The arrival time is 9:00 - 18:00 on weekdays, and the arrival speed is related to the efficiency of the settlement bank. If you need to get the bill, you can use the "T+0 real-time arrival" function.
3
POS machine payment company did not settle for merchants
That is, the bank has settled the credit card to the payment company, and the payment company has not settled the account to the merchant. In particular, this situation will only occur in the Erqing payment company. This will not happen if the payment company is regulated by the People's Bank of China and UnionPay. At this point, you need to determine if your POS machine is a POS machine for the second payment company. (The POS machine using Fu Linmen will not have such a problem~)
4
Customer changes settlement card or settlement card loss
Another situation is relatively rare, that is, the funds have been settled to the customer, the customer has changed the settlement card or the settlement card is lost, etc., and does not know that the payment company has settled it. Check the settlement card information and check if the bank has not actually arrived.
5
Payment settlement data entry error
There is also a negligible situation, that is, the payment company's billing data entry error, this situation will only occur at the first settlement, because the billing information is entered incorrectly, so the payment company's payment cannot be transferred successfully.
At the same time, when you use a POS machine, please be sure to avoid the same card, especially on credit cards. The reason is that such an operation will inevitably lead to the monitoring of UnionPay risk, causing unnecessary trouble to you.
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