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Chargeback

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:

  • 盗卡交易。就是持卡人信用卡信息被人盗取,盗卡人以持卡人的名誉刷卡消费
  • 货不对版。就是持卡人收到的产品与之前所购买的产品不相符,如款式、大小、颜色等等出入太大
  • 卖家不发货。也就是客户打钱啦,但卖家却不发货导致客户拒付的。
  • .恶意拒付。客户已经收到产品,且不存在货不对版,但持卡人仍然坚持拒付的。
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