Card payment fails - POS equipment errors. What to do if the payment failed at Sberbank

What to do if a payment made through a cash desk or ATM of Sberbank did not go through? This company offers convenient and fast money transfers, often they are carried out instantly.

But sometimes it happens that the funds are delayed in transit or do not reach the recipient. This article is about how to deal with such issues. Here are some possible reasons.

Wrong details.

You were given incorrect data, or you entered them incorrectly, or the cashier made a mistake when filling out. Also, sometimes organizations change their current account, so it is quite possible that payments to old accounts are no longer accepted.

If the funds do not reach for a long time, you should check whether you have entered all the details correctly. For more information about what data is needed for transfer, read on this page.

Deception by the recipient.

Let's say you sent funds to a seller from whom you want to receive goods by mail. But he claims that your funds did not reach him.

It is possible that you have become a victim of a scam, and the attacker received the full amount. To avoid this, take confirmation of a successful transfer of funds from the bank, and also file a statement with the police.

The card is blocked.

This can happen for many reasons. For example, its validity period has expired, or the bank has forbidden you to make payments due to your delay. Then you need to find out the reasons and correct them by contacting your banking institution.

Mobile banking is not connected.

The client wants to send funds to another recipient via SMS to a Sberbank short number, but to no avail. The explanation is simple - in order to use this service, the sender must have this service activated. How to connect, read on this page.

Failures in Sberbank Online.

Technical problems lead to the fact that the payment process is not carried out immediately. Sometimes it drags on for several days. If your payment via the Internet has not reached the recipient, demand its return - the funds must be returned within 20 days or another period provided by law.

This kind of situation happens very often. when the sender sends money to the recipient, and hopes that they will arrive on the same day. However, this happens only in rare cases, according to the law, banking companies are given up to 3 working days to make a transfer.

Those. if you made a payment before weekends or holidays, a delay of 1-2 days is normal. Do not worry, as soon as the system begins to function again in operating mode, the operation will be completed. And only after 3 days, if the recipient still has not received his money, you should contact the branch for help.

Whatever the reason, you should contact the bank in a way convenient for you - via Internet support, by calling the hotline at 8-800-555-55-50 or at the nearest office of the company.

Here is a useful video on what to do if your payment did not go through a Sberbank terminal or ATM:

- the world's largest online trading platform. It houses hundreds of thousands of stores and as many individual sellers who offer different goods at low prices.

• If you have not yet registered with Aliexpress and are not familiar with its world of shopping, then read about how to register and how to make your first order. You can also study the instructions yourself and go through the registration procedure on the site.
• On Aliexpress, everything is done for the convenience of buyers: the choice and order of goods, payment, delivery.
• But it often happens that the product is selected, and problems arose, for example, when paying for the order. What to do in this case? Read the article about why this happens and how to proceed in order to still pay for the order.

Why can't I pay for an order on Aliexpress?

Why can't I pay for an order on Aliexpress?

Why don't I receive a password when paying for Aliexpress?

Aliexpress may not send a password due to a failure of the Internet. Check if your computer or laptop has a connection to the World Wide Web. Why else when paying for Aliexpress does not receive a password? Causes:

• The card belongs to one of the payment systems that are not suitable for Aliexpress. Call the bank's consultants and find out if you can pay for the purchase of goods on the online trading platform with a specific card.
• Lack of funds on the card. The balance can be viewed in online banking or by calling the operator of a banking institution.
• The SIM card is not configured to make payments from Internet resources. Call your cellular service provider and the problem will be fixed.
• If the password does not come, but only SMS with the text that the resource is not available, then you need to understand such reasons: insufficient funds on the phone account, corporate tariff, phone restriction on sending money, the deadline set by the operator for making the first purchase (after two months of using the phone, and so on).
• Phone number entered incorrectly for making payments on Aliexpress. Go to the section with personal information and check the spelling of the phone number in a special form.

To fix the problem that occurred when paying for an order for Aliexpress, top up the balance of your card or phone. If such a nuisance arose due to the fault of the trading platform, then you need to write to the support service or start a dispute. This must be done if the money from the account was nevertheless debited.

Video: Placing and paying for an order on Aliexpress with a VISA card

In my previous opuses, I described one of the ways to properly use credit cards. In this article, I will try to explain to the reader some of the features of card transactions, both credit and debit. Especially, however, I do not plan to go deep, but I will try to clarify some "particularly interesting" questions.

So. The standard algorithm for any card looks like this:

1. Somewhere in a store or at an ATM, maybe on a website page on the Internet or in some other way you make a transaction. At this point, what happens from the point of view of the IPU is called authorization. In fact, the authorization operation is checking the validity of the card, checking its owner, checking the availability of the required amount of funds on the card and temporarily blocking these funds. The money itself is not going anywhere. They lie modestly on their bank account, although, in the event of a blocking, the specified amount may be blocked on the card balance.

Let's take a closer look. Checking the validity of the card and its owner is carried out in many ways, for example, by entering a pin code during online authorization, contacting the bank and verifying the signature, calling the bank, checking the 3DS code during Internet transactions, and so on. There are many ways and not all of them are "online" and "offline", for example, authorization using contactless payment technology can be made only according to the card data, without communication with the bank. In some cases, for small amounts, authorization may not be performed at all, the terminal captures the authorization information of the card and, without contacting the bank, gives the go-ahead for the operation. This is also due to the fact that cards equipped with a chip and a contactless payment module can contain both an offline PIN verification module and store the amount of available customer funds.

Checking the availability of the amount is also not always used. Some companies may carry out the operation without verification. Often this happens in situations where it is simply impossible to check the availability of the amount online. For example, on an airplane or when paying by card on a cruise ship. Even more interesting is the option when the amount to be withdrawn is unknown in advance. These are, for example, taxi services or car rental companies. In these cases, authorization most often takes place for some minimum amount, like 1 ruble or for a predetermined blocking amount, like $200. But the amount of write-off in fact can be absolutely any.

Temporary blocking of funds, if they were blocked at all, is standard for transactions for which the amount is initially known. Standard purchase transactions in a store or cash withdrawal from an ATM, transfer transactions. Everything is simple here, what amount came in the authorization request, this is blocked. But what's next?

2. Next, preparations for the transaction begin. The acquiring bank, that is, the bank serving the point of sale or ATM, or the same processing on the website receives documents on the operation. These documents can be either electronic statements or downloads of an ATM operating statement, or paper documents. There are also very exotic ways, such as copies of checks for operations carried out by "voice", but they are extremely rare. Having received the documents, the bank generates clearing files. These files are a spreadsheet of a certain format transmitted by the Ministry of Railways through online systems and signed with the electronic signature of the bank. MPS, in turn, generates clearing files for issuing banks, that is, banks that issued your card. Next, the issuing bank receives its clearing file, often several times a day, and carries out a money transfer operation in favor of the acquiring bank. At this moment, money is debited from the card account, what is called a transaction takes place. The blocking of funds, if any, is replaced by a real write-off.

I just want to draw attention to some features of the behavior of the "authorization-transaction" system and show some interesting points:

1. Authorization is not equal to a transaction. During authorization, the money does not go anywhere, it remains in the bank. If the authorization amount is specified, then this amount reduces the available balance of the card, but not the account. In fact, you can have a debit account that contains 100,000 rubles and a card linked to this account on which 1 ruble is available. You just have an authorization for 99,999 rubles. At the same time, in a normal bank, if interest is accrued on the amount of the account balance, then interest will continue to be accrued on the entire amount until the authorization turns into a transaction and the money is actually transferred.

2. Some time passes between authorization and transaction. Often it is 2-3-5 days, but in some cases, due to various failures, this period can be 5-6 months, there were cases that the transaction took place even after a year. What happens in this case and what should be feared? I will answer some of the questions a little lower, but in general there are two options for the development of events - the card still exists and in this case the money will be debited. The card does not exist and in this case the bank will send a rejection of the transaction. In some cases, when a transaction arrives later than a certain period, often this is 1 calendar month, the transaction can be disputed. In this case, I recommend that you think 10 times before trying this. And if you still make such a protest, do not be indignant at the refusal. The fact is that banks are forced to work in the legal field not only of the Ministry of Railways, but also of those countries in whose territory the operation was carried out. And, for example, in the Russian Federation there is such a criminal article as "unjust enrichment" and banks have to take this into account.

3. The validity period of authorization for different banks may be different. The IPU recommends setting the authorization lifetime to "up to 30 days". Many banks set 30, but there are also banks that set the authorization lifetime to 10 or even 7 days. In this case, if the bank has not received the corresponding clearing file within 10 or 7 days, the funds on the card will be unblocked and you can use them again. There is only one nuance here, if in a week the clearing file is received by the bank, it will definitely process it and write off the funds. What can happen in this case? Suppose you have a card and it contains 100,000 rubles. You make an operation for 70000, after a week the bank does not receive the clearing file, the funds are unblocked. You can do the operation again on 100000 and you do it. After another 3 days, the bank receives both clearing files. Your account balance is 70,000 rubles. You have a technical overdraft that is punishable by a commission of 500 rubles and, in accordance with the agreement, you must pay off the debt within a week. Consider this feature.

I would like to digress a little to the possible difference in amounts between authorization and transaction. Options again - the sea. A number of organizations are able to conduct transactions after prior authorization for completely different amounts than blocked ones. How does this happen? In particular, taxis, airlines, hotels, car rental services are able to charge an amount not equal to the authorization amount from the card. For example - you get into a taxi, hold out a card as a source of payment immediately and not after the trip. Part of the taxi will be able to do this, authorization will be for 1 dollar. But after the trip, the bill will change. And after 3-5 days, your card will be charged as much as you actually spent, say $50. This is again a feature, it must be taken into account and taken into account. Well, the difference between the amount of authorization and the amount of the transaction in foreign exchange transactions is generally a general problem. Authorization takes place at the rate on the day of authorization. The transaction will take place at the exchange rate on the day of debiting. At what courses can be different. The first, for example, the Central Bank of the Russian Federation, and the second bank. And here the exchange rate has grown and the percentage difference is 5%. Consider this too. If you want to pay with a ruble card abroad, immediately specify how exactly transactions in other currencies are processed on your card. Do not get a lot of problems in the future and maybe open another card for yourself

Airlines generally create complete "chaos". This is especially true when buying tickets from US airlines. There, authorization can go for one amount, for example, $ 1,000, and in fact there can be 3 write-offs, two for $ 478 and one for $ 44. Honestly! I bought it myself

But back to how we can use this feature for ourselves?

Suppose you have a card with which you can withdraw 150 thousand rubles from ATMs for free in the billing period from 10 to 10 of each month. And in this billing period you have already withdrawn 150 thousand. It's the 8th on the street. We need another 100,000. Wait 10? You may not have to wait. If your bank operates with transaction dates, and not with authorization dates, you can almost safely withdraw money on the 8th. The probability that they will be written off at the bank no earlier than the 10th is very high. Although it's a risk. Your risk, the bank can react very quickly, in a day. And there will be nothing left of free. Consider this moment.

Even more interesting if you have a credit card. Credit card up to 55 days grace period. Do you want 57? It's simple, buy the 8th. The operation is processed on 11, but the statement was generated on 10 and this operation was not included in it. In fact, it will be included in the next statement, here you have 57 days of the grace period. Something like this

What to do if a payment made through a cash desk or ATM of Sberbank did not go through? This company offers convenient and fast money transfers, often they are carried out instantly.

But sometimes it happens that the funds are delayed in transit or do not reach the recipient. This article is about how to deal with such issues. Here are some possible reasons.

Wrong details.

You were given incorrect data, or you entered them incorrectly, or the cashier made a mistake when filling out. Also, sometimes organizations change their current account, so it is quite possible that payments to old accounts are no longer accepted.

If the funds do not reach for a long time, you should check whether you have entered all the details correctly. For more information about what data is needed for transfer, read on this page.

Deception on the part of the recipient.

Let's say you sent funds to a seller from whom you want to receive goods by mail. But he claims that your funds did not reach him.

It is possible that you have become a victim of a scam, and the attacker received the full amount. To avoid this, take confirmation of a successful transfer of funds from the bank, and also file a statement with the police.

The card is blocked.

This can happen for many reasons. For example, its validity period has expired, or the bank has forbidden you to make payments due to your delay. Then you need to find out the reasons and correct them by contacting your banking institution.

Mobile banking is not connected.

The client wants to send funds to another recipient via SMS to a Sberbank short number, but to no avail. The explanation is simple - in order to use this service, the sender must have this service activated. How to connect, read on this page.

Failures in Sberbank Online.

Technical problems lead to the fact that the payment process is not carried out immediately. Sometimes it drags on for several days. If your payment via the Internet has not reached the recipient, demand its return - the funds must be returned within 20 days or another period provided by law.

It often happens that the sender sends money to the recipient, and hopes that they will arrive on the same day. However, this happens only in rare cases, according to the law, banking companies are given up to 3 working days to make a transfer.

Those. If you made a payment before weekends or holidays, a delay of 1-2 days is normal. Do not worry, as soon as the system begins to function again in operating mode, the operation will be completed. And only after 3 days, if the recipient still has not received his money, you should contact the branch for help.

Whatever the reason, you should contact the bank in a way convenient for you - via Internet support, by calling the hotline at 8-800-555-55-50 or at the nearest office of the company.

Here is a useful video on what to do if your payment did not go through a Sberbank terminal or ATM:

If you want to know how to get a loan without refusal? Then follow this link. If you have a bad credit history, and banks refuse you, then you definitely need to read this article. If you just want to apply for a loan on favorable terms, then click here. If you want to apply for a credit card, then follow this link. Find more posts on this topic here.

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How to cancel a payment in Sberbank Online

As you know, people make mistakes. Sometimes, incidents happen when a person needs to organize the cancellation of a payment to Sberbank online, but not everyone knows what to do in this situation. Banal inattention and inaccuracy of the data received can lead to the entry of incorrect details of the recipient of funds. If trouble has occurred and the money has gone to the wrong address, we will try to figure out how to act in such a situation.

Who is responsible for an erroneous payment

It should be noted that in the contract signed by an individual and the financial institution itself there is one curious clause that in the event of an erroneous transfer of funds, the responsibility for such an event lies with the card user.

That is, you independently resolve the issue that has arisen related to the return of the amount sent to the wrong address. Usually, bank employees offer to contact the party that received the transfer and ask them to cancel the payment. When the money was transferred to the wrong account due to the fault of Sberbank, or for certain reasons it hung in the air, it is possible to solve the problem by writing an application in the prescribed form and demanding a refund.



The most common ways to return the transferred money:

• Contact the central office of the institution by direct toll-free phone;
• Use Internet banking, if available;
• Contact the employee of the nearest branch of the bank in person.

Before proceeding with the plan for the return of an incorrectly transferred amount of funds, it is necessary to prepare a receipt providing proof of the transaction performed.

If the payment went through due to fraudulent activities, and the cardholder did not make this operation, the bank may consider refunding the funds

How to cancel a payment in Sberbank Online

Transfers and payments that are made using a computer online are distinguished by the highest level of convenience, but at the same time they require serious attention from the user and avoidance of errors. You can avoid an unpleasant situation for yourself if you follow some simple rules, which will be discussed below:

If the transfer is made

Making money transfers through remote payment requires the utmost care from the user of the software product. But cases of erroneous sending of money to the wrong address, nevertheless, happen. There is always a risk that you will have to pay the same amount twice. Fortunately, as we know, Sberbank is always ready to make contact and in most cases will help return personal funds.

Bank representatives warn that when a payment is made, not everyone can be recognized as erroneous. Sometimes, people deliberately make a deal, but then, for some reason, they want to return the money spent. In this case, the chances of a positive outcome of the operation are rapidly falling.

The developers offer several options to help cancel a payment to Sberbank online if it is executed, we will talk about them below:

• Unintentional indication of incorrect details for transferring money to the final recipient;
• There was a repeated operation that had already been completed for a certain transaction;
• Fraudulent actions that led to illegal debiting of funds from a card or account.

Below we will consider the reasons why the bank, as a rule, refuses to take actions to return the transferred funds:

At that time, if it has not already passed

Was an erroneous payment made through Sberbank Online? Should it be canceled before it has passed yet? In the personal account, it is technically possible to return the amount sent and cancel the program operations, but in the case when it was not processed by the bank employees. Recall that some types of operations may not be carried out instantly, but require several hours of time. Sometimes, even a whole working day is not enough, and in the case when the payment was sent after 21 hours, the specialists will only process it in the morning, after the start of the working day.

As you know, under each performed operation, its current status appears. If it is completed, it will be indicated - Completed, and when it is being processed, there is a signature "In progress". So how do you cancel if the payment hasn't gone through yet? The main thing is not to hesitate and when the opportunity arises to quickly enter your personal account. Further:

• Go to the page where the operation was performed;
• Check the box called Confirm feedback;
• After that, use the mouse manipulator to ensure that the Undo operation icon is clicked;
• In a few minutes, or instantly, the payment status will be changed to Revoked.

You will not be able to cancel a payment when it has already been executed if you paid a loan or made a transfer to a bank card

How to cancel a payment sent to a phone

Replenishment of the balance of a mobile phone is a service that is used by almost every client of Sberbank. Let's pay attention to the fact that such transfers are made and processed by a computer system instantly, as soon as a person presses the Pay buttons. The transfer of funds is sometimes delayed, but only when the number was disabled by the mobile operator itself and deregistered.

In this case, it will not be difficult to cancel the payment sent to the phone. When the transfer has already reached the recipient and the phone balance has been replenished, then there is no way to return your money back. It remains only to hope that the recipient will be a conscientious person and decide to return the money. Nevertheless, if the issue of a return, as they say, is an edge, you should immediately contact the bank's call center by direct phone and get advice from a staff specialist of the institution.

Conclusion

Transfers using the modern Sberbank Online software product are a modern, comfortable and convenient way to make financial transactions, but only when the user complies with the rules set by the developer. Be careful when sending money and you will not have to look for answers to the question of how to cancel a payment in Sberbank Online if it has already passed or is being processed.

sbankom.ru

How to cancel an erroneous payment in Sberbank Online - useful tips

Sberbank Online is already familiar to millions of Sberbank customers. Using modern online systems, there are cases of erroneous actions when making payments. Is it possible to cancel such an erroneous payment made in online banking?

More and more Internet entrepreneurs are using as payment for their own goods and services.

This payment method is widespread in the foreign part of the network and is only now gaining momentum in the Russian-speaking Internet. It is precisely because of the simplicity and speed of such payments that this payment method is popular not only among customers, but among entrepreneurs from all over the world.

How to pay with a plastic card

In order to make a purchase of goods using a plastic card, the client only needs to fill in a couple of fields on the product payment page, click on the button, and in a few seconds he will receive a message that his payment has passed and he can receive the product he paid for.

But it's all in theory so nice and smooth.

Practice, unfortunately, shows the opposite ...

Problems when paying with plastic cards

There are problems when paying with plastic cards, and if you do not talk about them, Internet business owners will lose profits, and customers will be disappointed because they could not pay for the product or service they needed.

When accepting payment for my own goods and services using a plastic card, I noticed a certain pattern - not all payments of my clients go through.

After analyzing the situation that had arisen, I identified 5 reasons why my clients' payments made by plastic cards did not go through. I suspect that there may be more such reasons, but at this point in time, these are the only ones I know of.

Reason #1. A plastic card is not intended for making payments on the Internet.

Many customers try to pay for goods and services on the Internet with plastic cards that are not intended for making payments online. "Salary" cards, pension, accumulative are used. With these cards, you can withdraw money from a bank and ATM, pay for purchases in physical stores, top up mobile phone bills, pay utility bills and make a whole range of payments, but only offline - in real time offline.

Reason #2. The plastic card is not activated for making payments on the Internet.

The plastic card received by the client at the bank is not initially activated for making payments on the Internet. This is done specifically so that without his knowledge no one could use his card and make any payments on the Internet.

Of course, this is a good way to protect the client's money, but it is very bad when the issuing bank does not notify the client about this protection before issuing the card, and he learns about this problem much later than he should.

Reason #3. Insufficient funds on the plastic card.

Very often, when paying for goods and services on the Internet, the client does not know the exact balance of funds on the card, and for this reason, his payment may not go through. The reason is simple - there is not enough money on the plastic card.

The client knows approximately what amount should be on the plastic card, but this amount does not always correspond to the real amount. Payments with a plastic card are made quickly and, most importantly, easily. For this reason, when making purchases in real life and on the Internet, many plastic card users do not keep track of the balance of funds.

Reason #4. Incorrect input of initial data for making a payment.

A certain percentage of customers cannot pay for goods and services on the Internet due to the fact that they make mistakes when entering the initial data for making a payment. Despite the seemingly absurdity of this reason, it exists and causes problems for customers.

When filling in the fields when paying with a plastic card, customers rush to enter all the information correctly and make mistakes when entering the plastic card number and CVV code. As a result of such haste, the payment does not go through and a bitter residue remains on the “soul” of the client.

Reason #5. Long time to enter the initial data to make a payment.

Despite the fact that the system for accepting payments by plastic cards gives the client 800 seconds to enter all the initial data (credit card number, CVV code, full name, residential address, etc.), some clients still do not have time to invest in allotted time period.

Thirteen plus minutes is not enough for data entry!

Incredible, but true. The client is looking for a plastic card, is distracted, enters the initial data for a long time and ... cannot pay, so the system does not process the payment due to exceeding the time limit for entering personal data.

As you can see, the reasons are simple and banal, but, despite this, they do not allow the seller to make a profit, and the buyer to pay for the product or service.

In order for your plastic card payments to always go through, and you receive the product or service that you pay for, I recommend that you follow three simple rules.

1. For payments for goods and services on the Internet, use a card designed specifically for these purposes.

2. Control the final balance on your card to be sure that the payment will "go through" and you will receive the paid goods or services.

3. Correctly and quickly fill in all the fields when entering the initial data for payment. Try to keep within the allotted time, and fortune will always be on your side.