Class business refers to

Special merchant

Within 30 days, the cardholder obtains a payment commitment that does not exceed a certain proportion of the pre-authorized amount from the card issuer, and the business that the cardholder accepts from the card issuer after obtaining goods or receiving services. Generally speaking, it is the business of freezing part of the funds in the bank card as deposits and then settling according to the actual consumption amount. In particular, when a cardholder spends money in a merchant, the merchant.

cashier

According to the cardholder's demand and the estimated consumption amount, apply to the card issuer for authorization, and the card issuer will reply according to the customer's account situation, and the approved application will temporarily freeze the cardholder's bank card.

Credit loan line

(credit card) or deposit amount (

debit card

As a security deposit, generally speaking, the frozen amount cannot exceed 1 15% of the pre-authorized transaction amount. After the cardholder's consumption is officially completed, the merchant requires the card issuer to conduct formal liquidation according to the actual consumption amount. Pre-authorization business is widely used in hotels.

Credit card consumption

There are usually two ways: offline and online pre-authorization. This business is accepted by POS machine, and the card issuing system automatically verifies the authorization, which is convenient, safe and efficient. not have

Whether it is a credit card or a debit card, pre-authorization business can be carried out. However, credit cards need to have sufficient overdraft limit, and debit cards need to have sufficient limit.

account balance

. If the pre-authorization successfully completes the transaction, the cashier shall print the transaction voucher and submit it to the cardholder for signature. After checking and confirming that the cardholder's signature is consistent with the signature on the back of the card, the cashier will pre-authorize the customer who has completed the voucher.

receipt

Submit the original pre-authorization certificate to the cardholder.

(This is in

China Unionpay

On the web page of)

Suitable for hotels and guesthouses.

The so-called "pre-authorization" is the cardholder in layman's terms.

Check into a hotel

At that time, the hotel estimated the consumption amount in advance according to the days of stay and the provisions of the hotel deposit, requiring you to swipe your credit card for "pre-authorization", that is, to pay the deposit. hotel

checkout counter

I brushed 1200 yuan. In fact, the money is still on your card and has not been paid to the hotel, but the amount has been frozen.

POS list

It's blank

, is not proof of bank card deduction.

When you check out, the hotel will destroy the original blank pre-authorized POS list, and go through the "pre-authorized completion" procedure according to your actual consumption situation to check out again. Some banks call it "pre-authorization confirmation".

The "Pre-authorization Confirmation" form is a new form issued by the hotel. The hotel will ask you to re-swipe your card to sign, and deduct the actual consumption amount and the remaining amount from the pre-authorized amount.

frozen funds

Will be released. At this time, the amount of the credit card is the real fee paid to the hotel.

I hope it works ~