note! At the end of the year, I refused to pay for the high-end, and I was wary of strangers to do POS.

Near the Spring Festival, the refusal and stolen brushing activities are on the rise, and now the hidden and professional nature of the fraudulent methods of criminals is getting stronger and stronger, causing huge losses to many agents and merchants. Xiao Bian reminds people from unknown sources in the above picture to do POS machines, or ignore them.

At the end of the year, "malicious refusal to pay" and "burglary" tide, agents and merchants must be careful to prevent the risk of swiping
Every agent may encounter the cardholder's refusal due to the pirate brush, the bank initiated the order, in the face of "ordering", the agent must know the following knowledge:

Acquirer order processing specification
Adjustment: refers to the process in which the card issuer submits the transaction document to the acquirer within the specified time because the cardholder or the card issuer has doubts about the transaction that has been liquidated.

One-time refund: refers to the refusal of the card issuer to the acquirer for the rejection of the credit card transaction of the acquirer or the question of the original transaction.

Re-inquiry: refers to the request of the acquiring institution or the merchant to file a re-payment request to the card issuer for the issue of a single return transaction.

Second chargeback: refers to the card-issuing agency’s rejection of the consumer re-inquiry transaction submitted by the acquirer and the remittance to the acquirer.

Reason for ordering

First, the cardholders order

The order is usually questioned by the cardholder for the transaction that has been liquidated, and the bank is required to confirm the inquiry; generally, the business name, the business address, and the business scope of the business are first queried, and if there is still an objection requesting the process of retrieving the transaction vouchers, After the voucher is obtained, if the cardholder has an objection, the cardholder can refuse to pay. If the cardholder fails to pay, the card issuer will return the card and return the funds to the cardholder.

Second, the issuing bank / card issuer order

If the issuing bank/issuing agency has doubts about the judicial needs or the authenticity of the merchant's transaction, it will also directly make the order and return the order.

Reason for returning the order

1. Cardholders refuse to pay

There may be many reasons for the return of the order, including but not limited to the following:

The cardholder has doubts about the validity of the purchase;

The cardholder is charged repeatedly for the same order;

The cardholder is not satisfied with the sale and purchase content and has not been able to resolve the dispute with the merchant;

The purchase item received by the cardholder does not match the description;

The cardholder did not receive the item they purchased.

Second, the issuing bank / card issuer refused to pay

There may be many reasons for the return of the order, including but not limited to the following:

The unauthorized party uses the cardholder's credit card for purchase;

The merchant did not provide valid transaction credentials;

The merchant provides valid documents within the prescribed time limit;

The actual consumption place of the cardholder does not match the location of the voucher consumption;

The same merchant, the same terminal, and the same product have been paid for the same card several times.

To ensure that the transaction is true and effective, how do you get the money back after being refunded?

Repayment restriction

To file a re-payment, you must submit the corresponding supporting documents to the card issuer.

The re-payment amount must be less than or equal to the amount of the refund.

Re-inquiries that exceed the time limit for submission are considered invalid.

You can ask for another payment in the following cases

Returned;

Correct transaction date, consumption content, business address;

Provide more clear transaction credentials.

The basic principle of ordering:

Follow the three principles of China UnionPay's handling of order adjustment: truthful, accurate and timely.

Maintaining the legitimate rights and interests of all parties: In the process of processing the order and re-invoicing, the acquiring service provider and the merchant should actively cooperate with the card issuing institution to provide true and valid credentials to jointly safeguard the legitimate rights and interests of the cardholder and the merchant.

In the process of ordering and re-invoicing, the acquiring service provider and the merchant shall complete the submission and processing work as soon as possible within the prescribed time limit. The time limit specified is the longest time limit, and the submission is beyond the prescribed time limit. Will lose the corresponding rights and bear the financial responsibility that may arise.

Card issuer rights:

For disputed transactions, the right to request transaction vouchers and other supporting materials within 12 months after the transaction occurs;

If the transaction meets the conditions for returning the order, the refund can be made;

If the card issuer has doubts about the judicial needs or the authenticity of the merchant's transaction, it can also directly refund the order without the order.

Ordered merchant rights:

If the merchant disagrees with the credit card's one-time refund, the condition can be extended to the card issuer within 20 natural days. In addition to the documents provided by the transfer, all the documents and documents that can confirm the true and valid transaction can be provided. To increase the chances of successful re-payments;

The merchant has the responsibility to provide real transaction certificate materials or vouchers. All the vouchers and documents that can prove the transaction are valid and valid during the transaction process can be used as valid proof documents in the transaction disputes. POS signings signed by the cardholder himself Single most effective;

If the merchant requests and with the consent of the cardholder, the card issuer may provide the merchant with the contact information of the cardholder.

Ordering rules:

POS purchase order retention time limit: two years;

If the transaction is within 180 days of the time limit, the card issuer may refund the order;

The overdue reply or transaction voucher cannot be provided, and the issuing bank has the right to return the order directly, and the merchant loses the right to re-claim at the same time;

If the merchant has any objection to the credit card's one-time refund, the right of re-invoicing may be used within 20 natural days after receiving the refund notice. If the payment is valid, the fund will be returned in the original way;

Within the time limit for requesting the order, reply to the voucher and attach the real address;

The voucher must be true and valid.

Fund release rules:

The order to meet the requirements of the card issuer may be released by the service provider after the expiration of the time limit for 30 days, and the financial responsibility may be borne by the service provider after the release of the funds;

If the card issuer has not fulfilled the order, the bank may confirm that the transaction has not been returned by the card issuer after the 180-day time limit has expired;

For those who meet or fail to meet the requirements of the card issuer, the service provider has the right to apply to the acquirer for the release of the funds in advance. However, it is necessary to meet the conditions of the acquirer (the specific conditions are negotiated on their own).

Precautions:

1: The issuing bank is the party that ultimately decides to reject the ruling.

2: Note when receiving the order notification:

Usually, the issuing bank will first query the information before the order is issued. Depending on the content of the information, the time limit for the order may be different. If there is any doubt about the authenticity of the merchant, the time limit for the ordering may be short, so if you receive the information, Please be sure to reply as soon as possible within the specified time limit. Exceeding the time limit or failing to respond on time may result in a chargeback.

3: Note when receiving the return notice:

Since the card issuer requires all documents to be submitted within a limited number of days, if you have any strong documents that object to the return, please be sure to reply to the acquirer as soon as possible. If the time limit is exceeded and the card issuer has made a strong ruling against the cardholder, no further documents will be reviewed;

After being refunded, it takes several weeks (or even months) to get a final decision.

The above parts are requested to be carefully watched by agents and service providers. After the ordering agency issues the order notification, you can provide various evidences and requests for payment again and again. The acquiring institution must submit evidence according to the process instead of Direct deduction or deduction of your distribution, before the deduction, the acquiring institution must give you a notice of the return of the issuing bank. If it is a stolen brush, the acquiring institution must provide a qualitative notification letter to the agent's public security department. Proof can guarantee that there is no greasy.

Anti-theft brush, refused to pay 10 suggestions
1: Do not sell pos or mobile pos through any online store, because you can not verify the true identity of the purchaser. According to statistics, 80% of the refusal is from online sales.

2: Many times, the cardholders and merchants who refuse to pay the stolen brush, what the agent can do is how to verify the authenticity of the merchant, and verifying that the merchant can basically eliminate most of the fake card theft. Refusal and other circumstances.

The reason is very simple. Criminals have a fake card that needs a POS machine to brush it out. Usually, it is a big risk to go out and find someone to cash out, because most of the fake cards produced are a white card, and the card surface is printed. The pattern, date, style, etc. can't be exactly the same as the real card, so you can only buy the POS machine yourself and copy the fake card copy card to put out the money.

3: Try to let merchants submit more contact methods, such as QQ micro-signals, etc., even Alipay friends. If you find that the QQ number of the merchant is small, the micro-signal has no abnormal situation such as a circle of friends, this time should be especially cautious. .

Normal people have social tools, and friends circle to eat and drink. People who are not in normal hearts will only provide trumpet. If you say this person will not play QQ WeChat, then Why does he play your card reader? This type is not normal, and providing after-sales service is a legitimate excuse.

4: If the mobile phone number is new and there is no authentication, this can't be entered into the network. How to judge? Some number of mobile phone numbers do not require ID card registration, this paragraph is best not to provide pos, which paragraph paragraph Baidu. Conditional can pass the factor verification interface of the telecom operator. In addition, many mobile phone numbers commonly used by people are bound with QQ number, micro signal, and even Alipay. After joining the communication, QQ WeChat and other friends are prompted to see the specific situation of the circle of friends. Is it nothing? What are you doing? In addition, Alipay can also reverse the investigation, and even by playing a penny to see if the name and card number are consistent. The core here is that merchants without social connections are not good merchants!

5: For the lower-level agents or salesmen must require the development of merchants to have QQ WeChat or even Alipay, their sales staff can even provide micro-signal for the company to verify and secondary marketing.

6: For merchants with higher doubts, the merchants are required to provide the credit card printed by the transaction bank for nearly three months! (The real ID card information can be purchased online, but the credit card bill printed by the real local bank cannot be purchased)

7: For the development of agents to get less than 100 units to maintain very cautious, especially the kind of a few ten sets, it is easy to go wrong. The general agent has either a company or a part-time job. Then the distributor is required to provide information such as the company information or the business card of the part-time business unit. If there is no social idle person, the company does not recommend distribution to the agent. For the necessary verification of the mailing address, look at the Ctrip.com, 58 City and other online to see if there is any address information, whether it is an office building or a residential building. If you have deep doubts, you can claim that you want to rent a house or buy a house. For verification.

8: Don't blindly send the machine online for free!

9: Don't easily cross-regional investment or sell products. Why do you find a machine in other provinces or places? Or looking for your agent? According to the truth, will anyone find someone to handle or represent in the local area? If you take the initiative to find you, what channel did you know about your information? This situation is also a big risk.

10: Do not act as a payment brand without risk control! The simpler the more you don't want to proxy! Because this is the favorite product of criminal gangs.

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