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If friends who are POS agents are asked what they are most afraid of, they will all respond with the same replies: stolen brushes, orders and protests. The topic to be discussed today is the POS agent needs to understand the process of order transfer and the secrets of refusal. Let's take a look at the POS agents' friends.
Let's talk about the acquisition order processing rules of acquiring agencies:
Order transfer: Refers to the process of the card issuer submitting the transaction document to the acquirer within a specified time due to doubts about the transaction that has been liquidated by the cardholder or issuer.
One-time chargeback refers to the refusal payment made by the card issuer to the acquirer for rejection of the acquirer's credit card transaction or doubt about the original transaction.
Repayment: This refers to the request from the issuing institution or the merchant to request the reissuing request from the card-issuing agency against the card-issuing agency's one-time withdrawal transaction.
Secondary refunding means that the card issuing institution has objected to the consumer repayment request submitted by the acquiring agency and resubmits the payment to the acquirer.
What are the reasons for the order transfer?
First, cardholders order
Orders are usually issued by cardholders who have doubts about transactions that have already been liquidated. They are required to confirm the inquiry; generally, they first search for information on the name of the merchant, the address of the merchant, and the business scope. If there are still objections, the process of requesting the transaction certificate is adjusted. After obtaining the voucher, if the cardholder has objection, he/she may refuse to pay, and the successful card issuance bank will refund the card and return the funds to the cardholder.
Second, the issuing bank / card issuing agency orders
When issuers/card issuers have questions about the need for justice or the authenticity of a business transaction, they will also directly transfer orders and refund orders.
What is the reason for the refund?
First, the cardholder refuses to pay
There are many possible reasons for refunds, including but not limited to the following:
1. The cardholder has doubts about the validity of the purchase.
2. The cardholder is charged repeatedly for the same order.
3. The cardholder is not satisfied with the content of the sale and purchase and fails to resolve the dispute with the merchant.
4. The cardholder did not receive the item he purchased.
Second, the issuing bank / issuer refused to pay
There are many possible reasons for refunds, including but not limited to the following:
1. An unauthorized party uses a cardholder’s credit card for purchase.
2. The merchant did not provide valid transaction certificate.
3. Merchants provide valid vouchers for more than the prescribed period.
4. The actual consumption place of the cardholder is inconsistent with the location of the voucher consumption.
5. The same merchant, the same terminal, and the same product have paid multiple times for the same card.
Then, in the case of ensuring that the transaction is real and effective, how can the money be returned after being refunded? Repayment requirements:
1. When making another payment, you must submit the corresponding supporting documents to the issuing institution.
2, the amount of repayment must be less than or equal to the amount of a single refund.
3. Repayments exceeding the submission deadline are deemed invalid.
You can make another payment if:
1, has been returned.
2, the correct transaction date, consumer content, business address.
3, to provide more clear transaction credentials.
Then the basic principle of transfer orders:
Follow the three principles of China UnionPay's handling of orders: truthful, accurate, and timely.
To safeguard the legitimate rights and interests of all parties: In the processing of requisitions and repayments, acquiring service providers and merchants should actively cooperate with issuing agencies to provide true and valid credentials to jointly protect the legitimate rights and interests of cardholders and merchants. In the process of re-ordering and re-payment, the acquiring service provider and merchant shall complete the submission and processing as soon as possible within the prescribed time limit. The prescribed time limit is the longest time limit, the submission beyond the prescribed time limit, the transferee The corresponding rights will be lost and the economic responsibilities that may arise will be assumed.
Let's continue with the order transfer process:
Card issuer rights: For disputed transactions, the right to request transaction vouchers and other certification materials is available within 12 months after the transaction occurs; the renewal order can be issued for transactions that satisfy the condition for refunding the vouchers; When there is doubt about the authenticity of the document, it is also possible to return the document without ordering.
Transferred merchants' rights: If a merchant has any objection to a credit card refund, the merchant can exercise the right of repayment to the card issuer within 20 days. Except for the voucher provided by the order, everything can confirm the authenticity of the transaction. Both documents and documents can be provided to increase the chance of successful repayment. Merchants have the responsibility to provide real transaction certification materials or vouchers. During the transaction process, all documents and documents that can verify the transaction are valid and valid. They can all be used as valid certification documents in transaction disputes. The POS has signed the cardholder's own signature. The single is most effective; if the merchant requests it and the cardholder agrees, the card issuing institution can provide the merchant with the contact information of the cardholder.
What is the ordering rule we want to understand:
1. Time limit for POS purchase orders: two years.
2. Within 180 days after the time limit for the transfer order is fulfilled, the card-issuing institution may withdraw the order if the conditions for the refunding condition are satisfied.
3, overdue reply or transaction certificate can not be provided, the issuing bank has the right to return a single, merchants at the same time lose the right to re-payment.
4. If the merchant has any objection to a credit card refund, he may use the right to request payment within 20 days after receiving the notice of refund. If the payment is valid, the funds transferred will be returned.
5. Within the time limit for requesting orders, return the order voucher along with the actual address.
6, the certificate must be real and effective.
What are the rules for the release of funds:
1. To meet the requirements of the card issuing institution, the service provider can confirm the release of the funds in advance 30 days after the expiration of the time limit for the issuance of the card issuer. The economic responsibility that may be incurred after the release of funds is borne by the service provider.
2. If the issuer fails to meet the requirements of the issuing agency, 180 years after the expiration of the time limit for the transfer, the acquirer will confirm the release of the transaction if the card is not returned by the issuer.
3, to meet or not meet the requirements of the card issuing agency, service providers have the right to apply for a pre-registration agency to release funds. However, it is necessary to satisfy the conditions of the acquirer (concrete conditions are negotiated on their own)
At the same time we need to pay attention to:
1: The issuing bank is the party that ultimately decides to refuse the ruling.
2: Notice when receiving the order notification: Usually, the card issuer will conduct information inquiry before the card transfer order. According to the information content, the time limit of the order may be different. If there is doubt about the authenticity of the business, the time limit for the order may be given. Very short, so if you receive the order information, please reply as soon as possible within the time limit. Exceeding the time limit or not responding regularly may result in a chargeback.
3: Notice when receiving the notice of refund: Since the card issuer requires all documents to be submitted within a limited number of days, if you have any strong document against the refund, please reply to the acquirer as soon as possible. If the time limit is exceeded and the card issuer has made a strong ruling on the cardholder, it will not review any other documents. After being refunded, it will take several weeks (or even months) before the final decision is obtained.
For the above part, please pay attention to the POS machine agents and service providers. After receiving the order notification, the acquirer can provide you with multiple evidences and requests for payment. The acquirer must submit evidence according to the process. Instead of directly debiting or debiting your sub-letage, the acquiring agency must give you a notice of withdrawal from the issuing bank prior to deduction. If it is a stolen brush, the acquiring agency must provide a qualitative notice to the public security department of the agency. See these proofs to ensure that there is no trickery.
The problem of some acquirers hiding in the dark
A: The risk liability of the emerging T+0 credit service business
The current T+0 credits basically belong to the current brush. There are great problems in the risk control. First of all, it is a violation to state that some banks provide advances for pos credit cards for T+0 seconds. Violation of the relevant rules of the central bank on financial institutions. Acquirer's provision of T+0 arrival service itself also violates the relevant regulations of UnionPay. Naturally, there is a risk gap in the T+0 second arrival business. As the risk hole is nothing, it is not possible to pass the full responsibility to the agent or the merchant. Reasonable and illegal.
II: The process of order arranging by some acquirers is confusing and there is an issue of self-interest in the existence of deception.
At present, there are some receiving agencies in the market who frequently send e-mail notifications to agents. Since there are many types of POS devices at present, not all of them have the function of printing receipts, there may be falsifications in the information that may be submitted. Orders, many agents do not know the process, and think that issuing a single order is waiting for the deduction. Many acquirers not only did not fight for the agent again and again for the agent, but simply and brutally deducted the charge, and did not provide the issuing bank with the deducted agent. The proof of receipt of the deposit or proof of fraudulent brushing provided by the public security department proves the final destination of this deduction. And there is a very big trick in it.
Some companies or large agents have deliberately sent notifications of orders to lower levels, and then direct deductions, and some companies or large agents of this money can actually print out small tickets or other certificates through technical means to communicate with the issuing bank. . Of course, no loss will come. In other words, there are many unsubstantiated orders that have failed to be paid, but agents have been detained without knowing it. Large agents with relatively close relationships with some of the acquiring agencies use this as a means to earn money, or to force large-scale subordinate agents.
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