1. The merchant has a problem. If this merchant often uses Cloud QuickPass to pay with credit cards, it may enter the UnionPay blacklist. For example, some personal POS support Cloud QuickPass scanning, and many of these merchants are already on UnionPay's blacklist, so users will be charged when making payments. to risk blocked reminders.

2. There is arbitrage behavior. If the user uses Cloud QuickPass to pay with a credit card, risk control rules similar to credit cards will be triggered. Once the merchant type does not match the transaction time or transaction amount, or there is a large-value transaction or an integer transaction, the UnionPay risk control rules will be triggered to be temporarily frozen. account.

1. If non-counter transactions are suspended or stopped, only counter transactions can be conducted. You can contact the customer service of the bank where you opened the account, and then transfer to the counter manager. Under normal circumstances, it can be canceled. If it is not troublesome, invoices or proof of usage of historical expenses are required.

2. Restricting non-counter payment is most likely caused by the expiration of the information you keep in the bank. Communicate with the bank first. This is not a problem and can be easily solved. Non-counter counter is actually not the most serious problem. Generally non-counter counter is mainly because there are abnormalities in your account that need to be screened and explained. The most important thing is not to be suspected of money laundering. Large transfers in and out are inconsistent with usual transactions, sudden transfers from silent accounts, or transfers between multiple people. Banks across the country are now very afraid of money laundering problems. You should always pay attention to the use of your accounts.

What should I do if the transaction in my China Merchants Bank account is blocked from the counter?

Non-counter bank cards can be operated and handled at the bank counter in person, but other channels such as online payment, ATM withdrawals, consumption card swiping, etc. cannot. In addition, if anti-money laundering is triggered, it will be more troublesome. It depends on whether you can withdraw the money over the counter. If you can, you will feel at ease. If you cannot, it will be difficult.

1. Frequent transactions in and out of the account can easily be judged by the bank as having problems with the account. If it is a formal transaction, you can explain it clearly to the bank. If it is an abnormal transaction (virtual currency trading, online gambling, etc.), it is recommended to go to the counter as soon as possible. Take out the noodles.

2. Don’t panic if you encounter someone who is not at the counter for the first time. Just take your ID card and bank card to the nearest corresponding bank counter to withdraw money, and then cancel the account if possible.

3. China Merchants Bank, China Construction Bank, Shanghai Pudong Development Bank, and Bank of China are all easy to use over the counter.

4. If the mortgage card is not used over the counter, don’t worry.

5. It is said that the restriction can be lifted in five years.

6. Non-counter payment will affect the corresponding credit card, ranging from a reduction in the limit to a restriction in use.