沒(méi)有規(guī)矩，不成方圓，收單機(jī)構(gòu)有權(quán)利從事支付行業(yè)掙錢，自然必須履義務(wù)，本文就帶大家了解第三方收單機(jī)構(gòu)有哪些義務(wù)。
 
        權(quán)利和義務(wù)是相對(duì)的，收單機(jī)構(gòu)只有履行好自己的義務(wù)，才有資格提供支付服務(wù)，繼續(xù)獲批支付許可證。         
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    
         1.發(fā)卡機(jī)構(gòu)授權(quán)條件下不得無(wú)故拒絕收單。
        持卡人刷卡消費(fèi)或者取現(xiàn)時(shí)，收單機(jī)構(gòu)索權(quán)后，發(fā)卡機(jī)構(gòu)經(jīng)審核后授權(quán)，相當(dāng)于給收單機(jī)構(gòu)發(fā)出支付命令。收單機(jī)構(gòu)無(wú)正當(dāng)理由不得拒絕該筆交，否則將承擔(dān)相應(yīng)的違約責(zé)任，同時(shí)還會(huì)受到信用卡清算組織的內(nèi)部處罰。
 
        2.信用卡交易關(guān)鍵信息不完整條件下的協(xié)助托收義務(wù)。
        特約商戶簽購(gòu)單在遇到下述關(guān)鍵信息不完整的情況下，收單機(jī)構(gòu)基于代 理合同的約定有協(xié)助托收義務(wù)：?jiǎn)螕?jù)上沒(méi)有卡號(hào)或卡號(hào)等資料壓印不清、購(gòu)單上沒(méi)有持卡人簽名、消費(fèi)金額超過(guò)限額未取得授權(quán)、過(guò)期卡消費(fèi)等。
 
        商戶托收成功后，收單銀行方能貸記特約商戶賬戶，托收不成功時(shí)，收單銀行退單給商戶，特約商戶將承擔(dān)該筆款項(xiàng)的最終損失。
 
        3.對(duì)商戶信用資質(zhì)、欺詐和違規(guī)操作等產(chǎn)生的風(fēng)險(xiǎn)承擔(dān)連帶擔(dān)保義務(wù)。
        收單銀行有加強(qiáng)對(duì)特約商戶資質(zhì)審核的義務(wù)，不得因與特約商戶有其他業(yè)務(wù)往來(lái)而降低資質(zhì)審核標(biāo)準(zhǔn)和檢查要求。當(dāng)持卡人投訴特約商戶且特約商戶確實(shí)違反相關(guān)規(guī)定時(shí)，收單行首先代商戶承擔(dān)責(zé)任，同時(shí)保留要求商戶承擔(dān)責(zé)任的權(quán)利。
 
        對(duì)確認(rèn)已出現(xiàn)虛假申請(qǐng)、信用卡TX、泄露持卡人賬戶和交為的特約商戶，收單銀行應(yīng)及時(shí)采取撤除受理終端、妥善留存交易記錄等相關(guān)證據(jù)并提交有權(quán)調(diào)查機(jī)關(guān)處理、與相關(guān)銀行卡清算組織共享風(fēng)險(xiǎn)信息等有效的風(fēng)險(xiǎn)控制措施，這些POS機(jī)支付知識(shí)是很重要的。
 
        明確第三方收單機(jī)構(gòu)有哪些義務(wù)是很有必要，收單銀行對(duì)特約商戶信用資質(zhì)、欺詐和違規(guī)操作等產(chǎn)生的法律后果承擔(dān)連帶責(zé)任，剛接觸這個(gè)行業(yè)的朋友，可以多了解POS機(jī)收單中的基礎(chǔ)知識(shí)，才能維護(hù)自己的權(quán)利。
 
        上面就是常見的三種收單情景及機(jī)構(gòu)義務(wù)，只有知道第三方收單機(jī)構(gòu)有哪些義務(wù)，才能合法合規(guī)從事支付行業(yè)，才能享受這個(gè)行業(yè)帶來(lái)的利潤(rùn)。