第三方收单机构有哪些必须履行的义务

时间:2018-08-31 09:50 浏览次数:

        没有规矩,不成方圆,收单机构有权利从事支付行业挣钱,自然必须履义务,本文就带大家了解第三方收单机构有哪些义务。
 
        权利和义务是相对的,收单机构只有履行好自己的义务,才有资格提供支付服务,继续获批支付许可证。         
权利和义务是相对的,收单机构只有履行好自己的义务,才有资格提供支付服务,继续获批支付许可证。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     
         1.发卡机构授权条件下不得无故拒绝收单
        持卡人刷卡消费或者取现时,收单机构索权后,发卡机构经审核后授权,相当于给收单机构发出支付命令。收单机构无正当理由不得拒绝该笔交,否则将承担相应的违约责任,同时还会受到信用卡清算组织的内部处罚。
 
        2.信用卡交易关键信息不完整条件下的协助托收义务
        特约商户签购单在遇到下述关键信息不完整的情况下,收单机构基于代 理合同的约定有协助托收义务:单据上没有卡号或卡号等资料压印不清、购单上没有持卡人签名、消费金额超过限额未取得授权、过期卡消费等。
 
        商户托收成功后,收单银行方能贷记特约商户账户,托收不成功时,收单银行退单给商户,特约商户将承担该笔款项的最终损失。
收单银行有加强对特约商户资质审核的义务,不得因与特约商户有其他业务往来而降低资质审核标准和检查要求。 
        3.对商户信用资质、欺诈和违规操作等产生的风险承担连带担保义务
        收单银行有加强对特约商户资质审核的义务,不得因与特约商户有其他业务往来而降低资质审核标准和检查要求。当持卡人投诉特约商户且特约商户确实违反相关规定时,收单行首先代商户承担责任,同时保留要求商户承担责任的权利。
 
        对确认已出现虚假申请、信用卡TX、泄露持卡人账户和交为的特约商户,收单银行应及时采取撤除受理终端、妥善留存交易记录等相关证据并提交有权调查机关处理、与相关银行卡清算组织共享风险信息等有效的风险控制措施,这些POS机支付知识是很重要的。
 
        明确第三方收单机构有哪些义务是很有必要,收单银行对特约商户信用资质、欺诈和违规操作等产生的法律后果承担连带责任,刚接触这个行业的朋友,可以多了解POS机收单中的基础知识,才能维护自己的权利。
 
        上面就是常见的三种收单情景及机构义务,只有知道第三方收单机构有哪些义务,才能合法合规从事支付行业,才能享受这个行业带来的利润。
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