List of refusal to pay high-risk areas:
Malicious refusal has always been the most troublesome thing for the acquiring company (outsourcing service provider). Some lawless elements use the domestic credit card management system and the loopholes of the acquiring company to make a large number of malicious refusals, resulting in the loss of merchants and acquiring companies!
Case 1: Cardholder refuses to pay (the following 5 points are common reasons for rejection)
1. The cardholder has doubts about the validity of the purchase.
2. Cardholders are charged repeatedly for the same order
3. The cardholder is not satisfied with the sale and purchase, and failed to resolve the dispute with the merchant
4. The purchase item received by the cardholder does not match the description.
5. The cardholder did not receive the item they purchased
Case 2: The issuing bank / card issuer refuses to pay (the following 5 points are the common reasons for the rejection)
1. Unauthorized party uses cardholder credit card for purchase
2. Merchant does not provide valid transaction credentials
3. Merchants provide valid documents for more than the specified period
4. The actual consumption of the cardholder does not match the location of the voucher consumption.
5. Multiple card payment with the same merchant, the same terminal, and the same product
Agent attention:
All unidentified applications should not be connected to the network to develop strange agents! Each customer must meet locally and on the spot. The agent must contact each terminal to use the customer, do not swipe the stranger, prevent the fake card from being copied, copy the card, so as not to cause losses to yourself, and be blacklisted by UnionPay!
Key training merchants:
1. Check the card:
The merchant should verify that the card number displayed on the POS device screen is the same as the card number of the card holder.
The card presented by the cardholder cannot have the words "sample card", "dedicated card" and "void" on the card. There is no trace of destruction and alteration.
Whether the validity period of the card presented by the cardholder expires.
Focus on cards beginning with 6011, beginning with 644, beginning with 65, and copying cards for Ping An and Everbright.
2. Pay attention to the following suspicious behaviors of cardholders:
By asking for a high rebate to use a credit card to collect cash, the signature is extremely simple and scribbled.
When a large transaction is rejected, it is often required to order or switch to another card.
Behaviors like local tyrants, buy expensive, eager to deal, fast purchase, no counter-offer
3, pay attention to the card situation:
Once the POS machine prompts the error code: 05, 34, 14, 40, 41, 42, 43, 44, the customer is required to change the card to re-brush or give cash.
The cardholder's autograph on the purchase order should be the same as the signature of the signature on the back of the UnionPay card. If there is no cardholder's signature on the back of the card or the signature is unclear and there is any correction, please reject it.
4. When there is a problem with the card, the cardholder has a question or a large transaction (single pen is more than 10,000 yuan)
The other party is required to show the relevant documents of the person, the documents must be intact, and there is no suspicion of alteration and forgery.
The validity period of the identity verification document and whether the photo on the cardholder and the certificate is the same person.
The name of the card holder's ID card should be the same as the name on the back of the card.
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