You can first analyze the situation that the credit card was successfully swiped but the money didn't arrive. Here is an example:
1. Don't worry too much when the card is swiped successfully but the money hasn't arrived. Even if the money doesn't arrive in the end, it will automatically return to the original account. If you don't return for a long time, you can call the bank and usually give an accurate answer. There are many reasons why it can't arrive in time.
2. When the credit card is swiped successfully but the money hasn't arrived yet, it may be that the system is maintained and upgraded, which will affect the normal business. When maintaining business, it is usually done at night. During this period, swiping the card may also lead to the invalidation of the credit card or stop withdrawing money.
3. When spending by credit card, generally avoid online credit card, so as not to delay the receipt. Moreover, after swiping the card on the card swiping device, the management organization of the device is likely to implement T 1 arrival time, in which the arrival time is working days, and users can wait patiently. If users try to avoid trading after 10 in the afternoon when swiping cards on pos machines, and avoid swiping cards in large quantities at night when swiping cards, this situation is easily controlled by banks, which is very unfavorable for cardholders to use bank cards.
The reason why the credit card was swiped successfully but the money didn't arrive:
1. Determine whether it is a unilateral account. The so-called unilateral account means that the transaction is unsuccessful. Although the customer received the debit message, the money will not be paid to the merchant, but will be returned to the cardholder by the bank. If the signal is finally interrupted when the issuing bank gives feedback to UnionPay or when the POS returns from UnionPay, the POS can't receive the feedback signal, but a debit message has been sent at this time, which causes the cardholder to receive the message, but the POS doesn't print the purchase order. At this time, you need to correct the credit card on the POS machine, return the credit card amount to the cardholder, and then you can conduct the credit card transaction again.
2. The merchant didn't receive the SMS and thought the settlement was unsuccessful. This situation is very common, and it is also a common problem of some businesses. You'd better check your bank card and see if you have received it.
3.3. The POS payment company did not settle accounts for the merchants. In other words, the bank has settled the credit card payment to the payment company, but the payment company has not settled the credit card payment to the merchant and registered it in the bank. It should be noted that this situation can only happen in Qing Er Payment Company, not Yiqing Payment Company, because it is supervised by the People's Bank of China and UnionPay. At this point, you need to ensure that your pos machine is the pos machine of Qing Er Payment Company. If there are other machines, I suggest you use them carefully after confirmation.
4. There is also a rare situation, that is, the funds have been settled for the customer, and the customer does not know that the payment company has settled for him because the settlement card has been replaced or lost. Check the information on the settlement card to see if the bank hasn't arrived yet.
5. If the settlement method is T plus 1. Arrive on the second working day, and the holiday will be postponed. Because there are a few days of transaction accumulation and a lot of data, the arrival time after the holiday will be a little late, so just wait patiently. In addition, swiping a card after 8: 00 p.m. is likely to be counted as a transaction on the second day and will arrive on the third day.
6. The reversal transaction was unsuccessful. Sometimes, the cardholder will receive a debit message after swiping the card, but the pos machine has no receipt. In fact, the transaction was not successful. Generally speaking, the cardholder will receive the information of fund return within 48 hours, so the merchant will not receive the account.
7. The customer changed the settlement card or the settlement card was not bound correctly. These two situations are relatively rare. Generally speaking, if the settlement card is not bound correctly, the first transaction can be found. If it had been successfully received before, this would not have happened. In addition, cardholders sometimes change or report the loss of the settlement card without knowing that the payment company has settled it for them. This is to check the following settlement card information to see if the bank really hasn't arrived.
8. When the credit card is swiped successfully but the money hasn't arrived yet, it may be that the system is maintained and upgraded, which will affect the normal business. When maintaining business, we usually choose to do it at night. During this period, the credit card may also cause the credit card to be invalid or stop transferring money.
Generally speaking, you should avoid swiping your card online to avoid being late.
10. If users try to avoid transactions after 10 in the afternoon when swiping cards at pos machines, and try to avoid large-scale swiping cards at night, this situation is easily controlled by banks, which is very unfavorable for cardholders to use bank cards.