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.
First, gangs commit crimes
There is now a kind of squad-like criminal activity. The main method is to jointly 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. The unauthorized party uses the cardholder's credit card to make the purchase;
2. The merchant has not provided valid transaction credentials;
3. The merchant provides valid documents within the prescribed time limit;
4. The actual consumption place 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. The purchase order signed by the cardholder cannot be provided, or the transaction voucher is not provided 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 the merchants should pay due attention to the preservation method;
9. It is too simple for the cardholder to forge the signature or the 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 refuse to pay.
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.
Adjustment: The cardholder requests to transfer the small purchase ticket for a certain period of time by submitting an application to the bank. The bank will request the purchase order from the merchant. If there is no or the above information such as signature and cardholder information is incorrect or is not processed within the time limit, the bank will immediately freeze the payment. The freezing time is 180 days. If the cardholder makes a chargeback to the bank during this period, the bank will refund the money to the cardholder.
For the suggestion: the education merchant is required to let the cardholder sign the purchase order and keep it for 2 years, and it is best to check whether the identity information of the cardholder is consistent with the bank card. Generally, this kind of order is It will not happen in small transactions below 300 yuan, so merchants can ask cardholders to show their ID cards during large transactions, and they can take photos or shoot videos to increase the authenticity of the transaction.
If the merchant friends are frozen, please see the following:
Merchants should deal with them in the first time, and should not delay, and will keep the transaction receipts and other certificates. Invoices and large-value transactions can be taken by video or by signing contracts, etc., and the real color photos that can be clearly identified can be submitted to the above agent for processing. The agent can send and teach such proof materials to the customer when installing the pos machine to the customer.
Third, how to prevent fake card theft?
Pseudo-cards generally occur when large-value transactions occur. At present, there are ways to check the card face, but nowadays some pseudo-cards are made almost like real cards, making the recognition difficulty rise straight. Therefore, at present, the best way is to ask the cardholder to verify the identity card when encountering a large amount of transactions, and to explain the underlying agency by telephone. In general, if the cardholder is a criminal, it will stop. After the transaction, or the cardholder's bank card number, ID number, name, mobile phone number, these four elements are submitted to the issuing bank for verification.
Stealing gang source:
1. Key risks: Taobao, WeChat;
2, medium risk: general social website, classified website, post it
3, stolen brush multi-zone: Guangdong Jieyang, Maoming (previous time has been hit by the police), Dianbai, Fujian Fuzhou, Hangzhou Yuyao, Hunan Loudi, Jiangxi Yugan and other places;
4. Characteristics: There is no detailed address number, the hotel picks up, collects, a hotel, or a certain opposite or postage collection;
5. The address of the consignee does not match the area of ​​the mobile phone number;
6. New registration of Wangwang or no real-name certification;
7. Chat: If several colleagues in my company want to, can help me to send a smooth wind, or friends want it. A few sets at a time, this 100% is team thinking, generally no chat, you need to carefully check the receipt information and Want Want information. Part of the stealing team: will also pretend to chat with you, say several rates, or what features, generally do not look at the description of the gang, this can be blacked out, the real user is to carefully understand the function and then consult.
8. Hand-painted blacklisted areas: Datun County, Shaanxi Province, Maoming City, Guangdong Province, Cangnan County, Wenzhou, Liaoning Wafangdian City. The above areas are for the network floating single hand brush sales rejection rate of more than 90% of the region, which means that people in a county town learn from each other, are doing this. Please pay attention to friends, not to sell and approve.
Fourth, how to prevent funds from being frozen?
1: Except for 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 handle. The single pen cannot exceed 50,000 yuan. In addition, don't use the credit card amount after the three digits. Do not check the balance (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 conduct transactions;
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.
Fifth, the merchant machine did not issue a small ticket, but the cardholder received a debit memo.
If the POS machine does not issue the purchase order, it is unsuccessful transaction. The cardholder's debit memo cannot be used as the basis for the transaction success. The merchant cannot hand over the goods to the cardholder. In general, do a consumer transaction or balance inquiry. Can cancel the previous failed transaction (ie cancel the debit of the issuing bank); if the cardholder's credit card statement shows that it has been debited, please ask the agent or merchant to download the statement on the merchant service website to confirm the unsuccessful transaction. Whether it is settled, if the transaction can be found in the statement, please instruct the merchant to fill out the “Special Merchant Transfer Application Form†and note “The transaction purchase order is not printed but the actual debit has to be refunded†Cover the merchant's official seal, send an email to the payment company, and the payment company will submit the UnionPay error handling platform within 3 jobs. The cardholder's entry time depends on the issuing bank, and the general situation will be returned within 10-15 working days after the UnionPay is submitted. Cardholder account; if the cardholder's statement shows that the account has been debited, the merchant's statement shows that the transaction has not been settled, please call the hotline of each platform!
In order to prevent the cardholder from ordering, please be sure to remind the merchant not to refund the cash to the cardholder. Suggestion: If the transaction encounters this situation, please do not return the cash to the cardholder. If you want to give the card to the cardholder, you can leave the cardholder's ID card, the front and back of the card, and the payment statement. If necessary, leave a video and inform the cardholder that the transaction has been completed, but the bank bill is subject to change. That is to say, the cardholder has approved the transaction and received the payment, so as to avoid the cardholder’s malicious adjustment in the future, and the merchant cannot provide the purchase order, and the payment is taken away by the cardholder again.
Sixth, what is a unilateral account? How to deal with it?
The unilateral account means that the money was retired to the company account, and the transaction should be rushed at the time. 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). 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.
With the popularity of POS machines and credit cards, more and more lawless elements have turned their scams to POS machines and credit cards. It is recommended that merchants and friends to learn the standard billing process is very necessary, in order to better avoid the illegal minutes of stolen and refuse to pay traps. Remind friends that when they encounter the incident of stolen brushing and refusal, don't change their panic. To learn to submit evidence and consumption vouchers, if you have video surveillance, you should learn to extract them in time, and then report to the local public security organs in time. Only by learning the standard billing process and getting evidence in time, cooperating with the police is the best way to keep the stolen and refused money out.
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