A chargeback is a reversal of a credit card transaction and usually occurs when a cardholder raises a dispute with their financial institution (also known as the Issuer) in relation to a purchase made with their credit card.
A chargeback may result in the amount of the original sale and a chargeback fee to be deducted from the merchant’s account. The reasons why chargebacks occur may vary however, chargebacks are generally the result of a customer being dissatisfied with their purchase or due to unauthorised or fraudulent activity/use of their card. Any transactions, processed without a proper authorization from the issuer, can also be returned as chargebacks.
Under Condition 9.0 of the Merchant Terms & Conditions, we may process a chargeback on your account if certain conditions are met.
什么是chargeback(拒付)
拒付(chargeback),指持卡人单笔交易成功与收到货180天内,可以向银行申请拒付账单上的某笔交易。如果银行受理,就必须把持卡人交易的钱,退给持卡人。如果卖家(商户)不同意,会有一个调单处理。银行要卖家提交交易的证据,银行转交至持卡人,如果持卡人不认同,那么依然拒付。这时候,卖家不服的话,可以申请第三方仲裁,由仲裁机构判定卖家和持卡人到底是谁有理谁无理。假如仲裁结果是持卡人败诉,这个过程产上的所有费用都由持卡人承担。银行也会在持卡的人信用记录上留下污点记录,对持卡人贷款,买房,买车,医疗,工作等等都会产生一生的影响。正是因为这个拒付的代价比较大,所以正常的交易,持卡人一般是不会拒付的。
常见的拒付(chargeback)有以下几种情况:
Leave a Reply
Want to join the discussion?Feel free to contribute!