Banking customers should be aware that poor network signal could cause incorrectly-deducted payments that might not be reversed automatically if a merchant is not properly trained on a card payment machine’s functions.
Failed transactions are normally reversed automatically because the POS device eventually reconnects and communicates to the bank that the transaction has failed. He also shared photos of receipts from the machine — one showing the payment failed and another with a list of successful transactions made on the same day.
“The merchant could have then initiated a transaction query to retrieve the transaction outcome, provided the POS had not lost connectivity,” he said. The bank must then investigate to ensure the client is not out of pocket due to a duplicate/incorrect payment and raise a query with the acquiring bank to address the POS device setup/frontline staff training with the merchant.