What is the reason why Helibao does not allow this transaction?

Usually, Helibao shows that this card transaction is not allowed, which means that the bank or UnionPay judges that the credit card account is risky or suspected of using the card badly, which leads to the abnormal transaction and the transaction cannot be successfully completed. In this case, the cardholder can contact the customer service of the issuing bank for consultation. If the issuing bank says the card is ok, the cardholder needs to contact China UnionPay for consultation.

1. Helibao is a key software enterprise in national planning and layout. Founded on 20 13, it is affiliated to Guangzhou Helibao Payment Technology Co., Ltd., headquartered in Guangzhou, and is a domestic payment technology empowerment platform. Helibao is committed to providing customers with payment services from online to offline, from domestic to overseas, with the mission of paying, promoting industrial transformation and enhancing the competitiveness of enterprises.

Second, the main products

1, online product

Online banking payment: refers to online payment directly through online banking. After the consumer selects "bank card payment method" on the e-commerce website, the system immediately jumps to the bank gateway of the bank card used by the user, and the consumer completes the online payment operation from the bank card to the merchant.

Fast payment: When buying goods, you don't need to open online banking, just provide information such as bank card number, account name and mobile phone number. After the bank verifies that the mobile phone number is correct, the third party payment sends the mobile phone dynamic password to the user's mobile phone number, and the user can complete the payment by inputting the correct mobile phone dynamic password; If the user chooses to save the card information, enter the third-party payment password or mobile phone dynamic password to complete the next payment.

Card-free payment: users do not need to open online banking, and only need to input bank card information, four elements of debit card and six elements of credit card for each payment.

2. Offline products

Two-dimensional code payment: the user shows the two-dimensional code, and the merchant scans the code to receive the payment. The user scans the merchant to receive the two-dimensional code payment.

POS: A multifunctional terminal, which can be installed in special merchants and acceptance outlets of credit cards and connected with computers to realize automatic transfer of electronic funds. It has the functions of supporting consumption, pre-authorization, balance inquiry and transfer.

Code scanning terminal: supports UnionPay, WeChat, Alipay, contactless IC card, mobile payment and other payment methods.

industrial product

Xinfubao: a payment solution for mobile internet, and a product function created by API interface that combines quickness and payment on behalf of others.

Lending link: a product launched for small loans, consumer finance and other industries to verify the identity of lenders, apply for loan funds and repay loan funds.

E-commerce shopkeeper: an integrated system solution tailored for e-commerce, O2O, hotels, online travel and other industries to meet the compliance requirements of enterprise fund collection and payment.

Cross-border payment: provide a complete product system such as domestic receipt, cross-border RMB remittance/collection, cross-border collection, real-name verification and customs declaration. , for customers of goods trade and service trade (hotel accommodation, air tickets, international exhibitions, tourism services, international transportation, international conferences, software services and communication services).