What should I do if the POS machine repeats the deduction?
2023-03-24 10:06:56
When I swiped the card, it was clearly shown that the transaction was unsuccessful, but the money was deducted by the bank. How can I recover the repeated deduction? I believe that many cardholders have encountered this situation, so how to deal with this? What about class problems?
Communication barriers lead to deductions:
According to the rules for the use of credit cards, the transaction cannot be considered successful without the signature of the cardholder. But in the case of a failed card card, how can the money in the card be deducted?
It seems that the simple POS on the credit card consumption, in fact, linked to the "quartet":
1. The pos machine terminal of the merchant;
2. The acquiring line to which the POS machine belongs;
3. The card issuing bank to which the cardholder belongs;
4. The system of China UnionPay;
For example, if the cardholder swipes the card at a merchant's POS machine, the POS machine will send out a data packet, which is first accepted by the acquiring bank and then transferred to the issuing bank through the UnionPay system; after receiving the confirmation from the issuing bank, the data packet is reversed. The process is transmitted back to the billing machine connected to the merchant's POS terminal, and the output document is confirmed by the cardholder.
It is precisely because of such a data transfer process through a multi-party node that any one of the nodes has a problem, "generally, the maximum time can not exceed 10 seconds via each node", after this time It may cause the transaction to fail. "But there will be a problem. For example, the data has been sent to the issuing bank, and the issuing bank confirms the deduction; but when the data is sent back, there are obstacles that cause the transaction to fail. This consumption is likely to have been booked. The charge was deducted.
In addition to the communication line failure, the reasons for the unsuccessful transaction are: the issuer host is shut down for some reason, the POS device is faulty, the password is incorrect or the magnetic strip is damaged, the operation is improper, and so on. So not all failed transactions will result in such a wrong charge.
How to quickly recover the repeated deduction?
Understand the reason why the transaction will be deducted if the transaction is unsuccessful. For the cardholder, it is more important to return this wrong deduction. In fact, due to the wide range of network issues, there are also a few examples of disputed deductions in the credit card center. Therefore, the credit card centers of various banks have introduced different methods to solve the problem of repeated debits.
Once the cardholder encounters the problem of repeated debits of the POS machine, if there is any objection to a certain purchase, it should be immediately reported to the customer service staff through the phone number of the issuing bank's credit card center. The issuing bank will contact the acquiring bank and the merchant as soon as possible to confirm whether the payment is repeated or wrongly deducted. If the bank is able to resolve the charge within a repayment period, the recurring deduction will not appear on the bill.
However, in real life, many people often find the wrong deduction after they get the bills and the lighting is fine. Generally speaking, there are two ways to deal with the bills that have already been generated. One is to suspend the payment after receiving the bill and filing the dispute application; the other is to repay the bill according to the current bill, and the issuing bank will After the dispute investigation is completed, the money will be refunded to the cardholder's account.
remind:
In this case, the cardholder does not have to worry too much. As long as the situation of the issuing bank is notified in time, it can be resolved. In addition, cardholders should also pay more attention when they spend their credit card purchases. In particular, if they encounter repeated card swiping, they should promptly check their instant debit information through the network, telephone and ATM terminal; some credit cards are also available. Provide credit card SMS reminder service. With this service, cardholders can also easily understand the chargeback situation. In addition, because the actual ID number management of many POS terminals is quite confusing, when the cardholder informs the bank of the repeated card swiping, if the name of the account can be accurately provided, it will also help to speed up the process of recovering the repeated debit.
Communication barriers lead to deductions:
According to the rules for the use of credit cards, the transaction cannot be considered successful without the signature of the cardholder. But in the case of a failed card card, how can the money in the card be deducted?
It seems that the simple POS on the credit card consumption, in fact, linked to the "quartet":
1. The pos machine terminal of the merchant;
2. The acquiring line to which the POS machine belongs;
3. The card issuing bank to which the cardholder belongs;
4. The system of China UnionPay;
For example, if the cardholder swipes the card at a merchant's POS machine, the POS machine will send out a data packet, which is first accepted by the acquiring bank and then transferred to the issuing bank through the UnionPay system; after receiving the confirmation from the issuing bank, the data packet is reversed. The process is transmitted back to the billing machine connected to the merchant's POS terminal, and the output document is confirmed by the cardholder.
It is precisely because of such a data transfer process through a multi-party node that any one of the nodes has a problem, "generally, the maximum time can not exceed 10 seconds via each node", after this time It may cause the transaction to fail. "But there will be a problem. For example, the data has been sent to the issuing bank, and the issuing bank confirms the deduction; but when the data is sent back, there are obstacles that cause the transaction to fail. This consumption is likely to have been booked. The charge was deducted.
In addition to the communication line failure, the reasons for the unsuccessful transaction are: the issuer host is shut down for some reason, the POS device is faulty, the password is incorrect or the magnetic strip is damaged, the operation is improper, and so on. So not all failed transactions will result in such a wrong charge.
How to quickly recover the repeated deduction?
Understand the reason why the transaction will be deducted if the transaction is unsuccessful. For the cardholder, it is more important to return this wrong deduction. In fact, due to the wide range of network issues, there are also a few examples of disputed deductions in the credit card center. Therefore, the credit card centers of various banks have introduced different methods to solve the problem of repeated debits.
Once the cardholder encounters the problem of repeated debits of the POS machine, if there is any objection to a certain purchase, it should be immediately reported to the customer service staff through the phone number of the issuing bank's credit card center. The issuing bank will contact the acquiring bank and the merchant as soon as possible to confirm whether the payment is repeated or wrongly deducted. If the bank is able to resolve the charge within a repayment period, the recurring deduction will not appear on the bill.
However, in real life, many people often find the wrong deduction after they get the bills and the lighting is fine. Generally speaking, there are two ways to deal with the bills that have already been generated. One is to suspend the payment after receiving the bill and filing the dispute application; the other is to repay the bill according to the current bill, and the issuing bank will After the dispute investigation is completed, the money will be refunded to the cardholder's account.
remind:
In this case, the cardholder does not have to worry too much. As long as the situation of the issuing bank is notified in time, it can be resolved. In addition, cardholders should also pay more attention when they spend their credit card purchases. In particular, if they encounter repeated card swiping, they should promptly check their instant debit information through the network, telephone and ATM terminal; some credit cards are also available. Provide credit card SMS reminder service. With this service, cardholders can also easily understand the chargeback situation. In addition, because the actual ID number management of many POS terminals is quite confusing, when the cardholder informs the bank of the repeated card swiping, if the name of the account can be accurately provided, it will also help to speed up the process of recovering the repeated debit.
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