First, the gang committed There is now a kind of squad-like criminal activity. The main way is to apply for a POS machine in the name of a merchant, and then maliciously refuse to pay. Then, immediately look for the clerk of other payment company to cut the machine. Reproducible operations. For this method, there is currently no good solution to eradicate the problem. Only the agent can obtain the identity information database of the criminals through other channels to eliminate it. This kind of database payment company should have it, and can try to apply to the company. Common reasons for refusal: 1. An unauthorized party uses a cardholder's credit card to make a purchase. 2. The merchant did not provide valid transaction credentials 3. The merchant provides valid documents within the prescribed time limit. 4. The actual consumption of the cardholder does not match the location of the voucher consumption. 5. The same merchant, the same terminal, and the same product have been paid for the same card several times. What happens during the ordering process and will be refused? 6. It is not possible to provide a purchase order signed by the cardholder or to provide a transaction voucher within the specified time. 7. The name of the merchant does not match, that is, the name of the merchant in the small ticket is inconsistent with the name of the registered business in the system. 8, the small ticket is not well preserved, unclear. It is recommended to keep the transaction ticket for more than 2 years to prevent the transfer of the order, so merchants should pay due attention to the preservation method. 9. It is too simple for the cardholder to forge a signature or a signature. 10. The cardholder's signature blocks the serial number (the last six digits of the reference number) or the order number on the ticket. Second, fraud, initiate a transfer, and implement a chargeback After excluding the merchants from committing crimes, there is a more common case that the criminals use the loopholes to prevent the merchant from saving the purchase order or the signature on the purchase order is not the name of the cardholder, and then initiate a transfer to the bank, because the merchant cannot A purchase order is provided and the bank will refund the money to the cardholder. (Ordering: The cardholder asks the bank to apply for a small purchase ticket for a certain period of time. The bank will request the purchase order from the merchant, if there is no such information as the signature and cardholder information. If there is any error or is not processed within the time limit, the bank will immediately freeze the payment. The freezing time is 180 days. During this period, if the cardholder refuses to pay the bank, the bank will refund the money to the card. people) Suggestions for such fraud are: In the transaction, the education merchant must make the cardholder sign the purchase order and keep it for 2 years. It is best to check whether the identity information of the cardholder is consistent with the bank card. Generally, this kind of order will not occur. In a small transaction of less than 300 yuan, it is possible for the merchant to ask the cardholder to present it during the large transaction, and to take photos or shoot video to increase the authenticity of the transaction. If the merchant is frozen, please see below: Merchants should deal with the first time, avoid delays, submit the remaining transaction receipts and other certificates (invoices, large-time transactions can shoot video or sign contracts, etc.) with true color photos that can be clearly identified Handle to the upper agent. The agent can send and teach such proof materials to the customer when installing the Pos machine to the customer. Third, how to prevent funds from being frozen? 1: In addition to 24-hour convenience stores, KTV, bars and other night-time outdoor operations, do not trade at 8:00-22:00. 2: The amount of a single transaction should not be too large. It must conform to the logic of the POS machine industry that you have handled. You can't exceed 50,000 yuan in a single stroke. In addition, don't use the credit card amount after the three digits. Do not check the balance. Has been accepted by UnionPay and risk control items). 3: The transaction must have the regularity of a normal merchant, and unless it is extreme, do not violate the logic to trade. 4: Do not swipe your card within half an hour after a transaction failure, wait for a period of time before trading, do not swipe the card multiple times in a short time. Fourth: What is a unilateral account? How to deal with it? A: The unilateral account means that the money has been refunded to the 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 current situation, both the payment company and UnionPay cannot solve the problem effectively. Please refer to the first call to the bank hotline for successful transaction, and then deal with it according to the specific situation. Please refer to the fifth item. Office And Student Pen, Office Pen ,Student Pen ,Classic Pen Tonglu shangmei pen industry co.,ltd , https://www.shangmeipenindustry.com
Recently, the market's refusal and piracy activities have shown an upward trend, and now the scams and scams of criminals are becoming more and more concealed and professional, resulting in huge losses for many agents and merchants. After investigating the recent protests, we will give you an anti-fraud measure.