13/11/2025
Tun ɗazu nake ganin gilmawar wannan POS transaction ɗin...
Yace akan an sayi kaya ne a wurinsa sai sukayi withdrawing da card yayi "approved" amma kuɗin bayyi dropping a POS wallet account nashi ba sai daga baya kuma daya dubi history yaga kuɗin a matsayin "failed" transaction ne ba "approved" ba.
Duk da har wasu ma sunyi ikirarin scenario ɗin yana faruwa amma gaskiya Ni har yanxu ban gaskata hakan ba, ace card transaction yayi "approved" akan terminal daga baya kuma yayi "failed" kuma ya zama transaction ɗin isn't recorded akan POS ɗin.
Na gama duk nazari na possibility na yiyuwar haka uku ne kawai na gani: ko rufa ido ake yiwa masu POS ko kuma hacking ne ko demo card, waɗannan ɗin ma bawai na yarda bane amma dai sune kawai idan da akwai possible way.
Duk wani ATM ko POS terminal da ATM card ba mallakin banki bane suma wasu company masu zaman kansu ne da bankuna suke partnering dasu(kamar su interswitch etc).
Magana akan alakar yanda transaction yake sakanin su da banki zayyi tsawo, bari naje kai tsaye inda ya shafi wannan maganar da nakeyi.
Idan ka saka ATM card akan ATM ko POS terminal akan system na interswitch kake performing transaction a lokacin har kuɗin su fita daga account naka duka interswitch ne suke aikin ba bankin ka ba, kafin interswitch tayi debiting kuɗi akan card naka sai tayi generating "session ID number" na wannan transaction ɗin saboda shi "session ID number" shine proof ko "tracking number" na ko wanne transaction a banki both failed and approved transaction, idan kayi complain a banki da wannan number suke tracking na transaction su gane status nashi, saboda haka shine abu na farko da system na interswitch yake fara generating domin keeping record na wannan transaction da zakayi koda ya zama failed/approved, system ɗin bazai taɓa generating "session ID number" kuma yayi deleting nashi ba haka bazai taɓa recording transaction status as "approved " yayi reversing ba saboda ba'ayi mishi wannan option ba, baya canza status na transaction muddin "approved " ne, "failed" ne yake iya sauyawa depends on conditions.
Bayan transaction yayi approved akan terminal saukar shi a account na mai POS it depends on strength na network da yake within system na interswitch da karfin network da yake a bankin customer da karfin network da yake bankin mai POS saboda idan interswitch ta cire kuɗi akan card na customer shine system nasu zayyi communicating da system na bankin customer ɗin cewa gashi mun cire kuɗi akan card na customer naku zuwa account kaza a banki kaza, idan system na bankin ya karɓa sai ya baiwa system na bankin mai POS cewar gashi mai POS naku wane ya cire kuɗin akan card na customer ɗin mu, bayan bankin ka sun karɓa ne sai suyi dropping maka kuɗin acikin POS wallet account naka, a duk wannan zagayen da "session ID number" ɗaya akeyin sa baya sauyawa, toh duk matsala da aka samu akan wannan transaction ɗin da "session ID number" bankunan zasubi diddigin transaction ɗin su gano inda matsalar take.
Duk transaction da akayi initiating har ya samu status(failed/approved) yanada ID kuma idan approved ne baya sauyawa.
Wannan dai shine dalilin da yasa nake ganin "approved" transaction zai wahala ya koma failed.
A gefe ɗaya kuma inda na kawo "demo card" a matsayin hanya da watakila za'a iya yin wannan damfara dashi.
Akwai wani card(mostly virtual) da ake testing na sites dashi ba kuɗin gaske bane acikinsa, masu trading crypto zasu fahimce Ni domin kusan duk trading app/site sunada "demo account" da ake koyo dashi toh kamar haka demo card yake, ba kuɗin gaske bane akan sa kuma baya aikin a live terminal/site, ma'ana bazaka iya aiki da demo card a functional/live/real wurin biyan kuɗi ba.
Around 2023 nayi aikin wani wallet website a lokacin da muka nemi gwada demo card ɗin akan physical card sunce ba option na yin haka, ma'ana dai a lokacin ba'ayin physical demo card.
Toh idan har yanzu ba'ayi ko wanne physical card na hannun mutane "live card" ne ba demo ba, idan ba demo bane kuma toh dole process da nayi explaining a saman nan haka yake aiki shima, idan kuma yanxu ana yin physical demo card kuma zai iya aiki akan live terminal(hakan kuma is 99% impossible) toh komai ma zai faru.
Allah kara tsare mu duka, waɗanda aka cuta kuma Allah mayar musu da mafi alkhairi.
_CAC ACCREDITED AGENT.
_13.11.25
