What is a purchase order? In fact, after we have swiped the card in daily life, the POS purchase order that the special merchant asked us to sign and confirm is the certificate that the cardholder confirms the consumption. After the daily credit card consumption, the purchase order is in duplicate, the cardholder keeps one copy, and the merchant recycles one copy. Both the cardholder and the merchant should properly keep the purchase order, the importance of which is mainly reflected in:
1 for merchants
The purchase order is mainly used for later needs such as reconciliation, liquidation and detailed inquiry. Especially for disputed transactions, the issuing bank or the cardholder can perform the order processing, and the merchant needs to provide the purchase order that must be signed by the cardholder, such as the economic loss caused by the merchant's mis-storage or loss of the POS purchase order. Committed by the merchant.
2 For cardholders
The purchase order is a historical document of the transaction. If you need to return the goods afterwards, you need to provide transaction vouchers such as the purchase order.
3 There are merchant number, terminal number, cardholder's bank card number and transaction data on the purchase order.
On the purchase order, there are information such as merchant number, terminal number, cardholder's bank card number and transaction data. In order to guard against the illegal use of criminals, merchants and cardholders must keep the purchase order (the merchant should keep at least 1 year). Time) or properly handled.
Then, when the transaction encounters the purchase order, it is not printed, but the cardholder receives the deduction information. What should the merchant do?
First of all, it is necessary to explain the entire card swiping process, that is, the POS terminal swipe card - the acquiring institution - the data to the UnionPay center - the issuing bank - the returning UnionPay center - the acquiring institution - returning the POS terminal to issue the ticket, which is a complete transaction process, if In any part of the middle, communication data is wrong, the transaction is unsuccessful, and the POS terminal will not issue tickets. However, if the purchase order is not printed, the cardholder receives the debit information because the data has arrived at the issuing bank, and the issuing bank records the consumption, but the data is not fed back to the POS terminal. Therefore, if the purchase order is not printed, the transaction is actually unsuccessful, and the POS terminal will automatically perform the correction in the next online transaction, and the deducted transaction amount will generally be automatically returned to the original transaction bank card. Therefore, merchants can usually ask customers to brush or pay cash again, but 99% of cardholders will not understand this in this situation. What should the merchant do?
The merchant can directly explain to the cardholder that the purchase order is unsuccessful, and the cardholder can re-swipe the card once or call the UnionPay customer service phone 95516 to confirm; if the cardholder does not understand, the merchant can leave the cardholder Call and tell the cardholder to initiate an order with the card issuer to learn more about the transaction.
Therefore, Xiaobian here reminds all merchants to pay attention to the POS terminal purchase order. If there is no purchase order, there will be no transaction vouchers. If the purchase order is not issued, it will not be a successful transaction.
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