1.T+0 Immediate account arrival: generally refers to a specific merchant who requires immediate account arrival. After the approval, the bank thinks that such a merchant meets the requirements of immediate account arrival, and the merchant also applies for immediate account arrival, so the immediate account arrival can be completed through the approval procedure.
2.T+ 1 next-day arrival: general merchants and most merchants arrive in the mode of T+ 1, that is, the next-day arrival, which is the time stipulated by the bank and the time when most merchants swipe their cards at POS machines. It usually arrives after 3 pm.
3.T+2 and T+3 modes: refer to special users who spend a lot of money on credit cards, and merchants with a large amount of data and some special circumstances. Banks will make special adjustments according to the special circumstances of such merchants, which generally takes 2-3 days to arrive.
POS is a multifunctional terminal. It can be installed in special merchants and acceptance outlets of credit cards, and connected with computers to realize automatic transfer of electronic funds. It has the functions of supporting consumption, pre-authorization, balance inquiry and transfer, and is safe, fast and reliable to use.
Extended data
Pos machines are suitable for large and medium-sized supermarkets, chain stores, hypermarkets, large and medium-sized hotels and all high-level retail enterprises.
1. has the function of IC card, and can use membership card to issue IC cards and securities internally.
2. You can talk.
3. A variety of peripherals such as scanning guns and printers can be externally connected.
4. It has the management functions of front-end and back-end sales, warehousing, distribution and other large supermarket chains.
5. The catering type has the catering service function, and can be externally connected with multiple kitchen printers, hand-held ordering machines and other peripherals.
6. It can realize unattended remote communication and data download with PC.
7. With the function of Ethernet communication, the real-time management system of the head office and branch network is formed through ADSL broadband.
Domestic Internet innovative third-party payment enterprises have integrated the electronic signature application with the POS card swiping system to realize the green and environmentally-friendly paperless POS receipt service. The application of electronic signature can not only effectively save time, money and paper, but also help to improve service efficiency and customer satisfaction, simplify business processes and improve work efficiency.
Through the electronic signature application provided by payment, there is no need to upload the receipt, which not only avoids the extra workload, but also avoids the loss of the authenticity of the transaction and the settlement for the merchant caused by the loss of the receipt. There are a series of digital "anti-counterfeiting" behind the electronic signature of payment, which can prevent the cardholder's signature from being stolen or tampered with.
The operating method of pos machine is as follows:
1. If you fail to swipe your card during the transaction, you need to press the required transaction code key again to avoid mistaking other transactions for "consumption" and causing repeated deductions.
2. Enter the cardholder's password. In order to ensure the security of transactions, cardholders need to enter the correct bank card password when they trade at public POS machines. If the cardholder's bank card has no reserved password, the operator directly presses the "OK" key of the POS machine to conduct the transaction, and the transaction is successful.
Don't forget to ask the cardholder to sign the shopping list. If the cardholder's signature is inconsistent with the reserved name on the back of the card or the letter of the name on the front of the card, you can check with the issuing bank.
4. The transaction type on the printed purchase order should be carefully reviewed to avoid changing "consumption" into "pre-authorization" or "return" into "consumption", resulting in wrong accounts.
Cardholders should pay special attention to the last repayment date of credit cards. The last repayment date is the last day of the interest-free repayment period. Before that, the repayment is interest-free. Overdue, all consumption funds will no longer enjoy interest-free repayment treatment. The bank will calculate the interest on a daily basis with the consumption amount as the principal, with a daily interest rate of 0.5 ‰, compound interest every month and a late fee.
The consequences of overdue credit cards are as follows:
1. liquidated damages, generally the minimum repayment amount, 5% of the unpaid part.
2. The interest rate is high, and it is rolling interest. Interest is scary when you have more debt.
3. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years.
4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility.
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