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 piracy and refusal time, today's Xiaobian will bring you the business burglar brush and its common problem solving methods! The following small series will tell you about the six fraud processes and their solutions!
The first type: gang committing crimes
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.
The following ten are common reasons for refusal:
(1) The unauthorized party uses the cardholder's credit card for the purchase (2), the merchant does not provide the valid transaction certificate (3), the merchant provides the valid certificate for more than the specified period (4), the actual consumption place of the cardholder and the place where the certificate is consumed Non-conformity (5), same merchant, same terminal, same product, multiple card payment
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.
The second type: 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.
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.
The recommendations for such fraudulent practices 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, you should do this:
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 can we 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 POS circle gives the best way to think that the best way is to ask the cardholder to verify the identity card when encountering a large transaction, and to explain the underlying agency by telephone. In general, if the card is held. If the person is a criminal, the transaction will stop, or the cardholder's bank card number, ID number, name, and mobile phone number will be submitted to the issuing bank for verification.
Generally these basic sources of stolen gangs:
Key risks (Taobao, WeChat)
Moderate risk (general social website, classified website, post bar)
More areas of stolen brush: Guangdong Jieyang, Maoming (just before the old nest), Dianbai, Fujian Fuzhou, Hangzhou Yuyao, Hunan Loudi, Jiangxi Yugan and other places
Features: No detailed address number, hotel collection, collection, a hotel, or a certain opposite or station collection
The consignee address does not match the mobile number area
Want Want: New registration or no real name certification
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.
Hand-painted blacklisted areas: Dayi 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 note that sales and approval are not allowed!
Fourth: The four major ways to teach you to prevent funds from being frozen!
(1): Except for 24-hour convenience stores, KTV, bars, etc., which are operated outdoors at night, 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 ticket. In addition, don't use the credit card amount after the three digits. Don't take the corner, don't check the balance ( The balance of the inquiry has been accepted by the UnionPay and the risk control item).
(3): The transaction must have the regularity of a normal merchant. Unless extreme circumstances, do not violate the logic to conduct transactions.
(4): After a transaction fails, do not swipe your card within half an hour, 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!
Note: In order to prevent the cardholder from ordering, please be sure to remind the merchant not to return the cash to the cardholder.
Precautionary advice: 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).
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.
Tip: The central bank pays the fines continuously, the network association officially operates, the UnionPay issues a condemnation, the payment settlement violations report rewards, the customer reserve funds centralized depository, the national tax announcement payment fee to start taxation and other measures, enough to explain the central bank's efforts , continue to develop health payment market steadily! How far is it from formal? How long will it take to fully pay for a company? Stay awake to maintain the status quo!
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