Chargeback: what is chargeback and how to use it. How to return money if paid for the goods, and the store did not send the parcel. How to use the chargeback for Aliexpress?

We are considering what the charge is and how to use it.

Contents of

Chargeback: what is chargeback?
Chardjbek - what procedure and how to use it?
Grounds for filing an application for a chargeback
How to return money if paid for the goods and the store did not send the parcel
Timing of charging chargeback
Video: Chargeback. How to get money back if you were deceived by Aliexpress and not only?

Shopping on the Internet allows you to make an informed choice, save time and money, plus a dozen more benefits. But Internet purchases continue to be afraid, because many have remained afraid that they will deceive him without sending the goods, or sending, but of a different quality than they expected, and it will be impossible to return it. Especially this issue is alarming when buying from China, because shipping back and forth is often incommensurable with the amount of purchase.

In this article we will tell you how to get your money back in case the store does not fulfill its obligations. Also, we give an example of a return to Aliexpress.

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It is worth noting that Aliexpress is one of the few shops that deals with every problem stated and in case the client is right, always becomes his side. But the situation is different and sometimes the bank needs help in the dispute with the seller.

For those who have never ordered anything for Aliexpress, we recommend our article, which tells about how to register, and also make the first order.

Chargeback: what is chargeback?

Chardjeek or its international writing chargeback is a process of challenging a bank transaction on a card that a customer paid for in a store or online store. In most cases, the chargeback application is submitted by the cardholder, but there are situations in which the application for chargeback is submitted by the bank.

Chardjbek - what procedure and how to use it?

The procedure is simple but, unfortunately, Russian users do not know much about it, and therefore do not know how to protect themselves.

So, the process of chargeback procedure:

The cardholder( buyer) submits an application( in electronic or written form, depending on the conditions of the bank) to the bank that issued and maintains the card( account) that the operation for such a number in such-that time and for such a sum is invalid because of fraud or failure to fulfill its obligations on the part of the store( online store);
The bank transfers the issue to the credit committee that conducts an investigation of this payment, including requesting data from the store confirming the success of the transaction and meeting its obligations;
If the client is right, the credit commission debits the amount from the store account and sends it to the client. It is worth paying attention that chargeback services are paid and the commission for the trial is paid by the guilty party. That is, if the store proves that it has fulfilled its obligations, you will not only be refunded, but will also write off the commission for the investigation. Therefore, it is recommended to file such applications knowingly, having evidence that you are really right.

Grounds for filing an application for the

chargeback. We have identified all the reasons why the charge may be initiated. Please note that in the bank occasionally there are cases of problems with the application of an employee of an incompetent bank. If you are sure that you are right, you can justify your point of view with the list below, and also the fact that the task of an employee in a branch or a hotline to accept an application, and the decision will be taken solely by a credit commission, which is beyond the competence of this employee.

In case of problems with the delivery of goods and the occurrence of a disputable situation, the store refuses to fulfill its obligations( refund).In this case, you can initiate an investigation;
Double write-off of funds. A technical software error, often two identical amounts are written off with a difference in a second. Problems with the return will not be;
The purchase amount differs from the amount written-off. In this case, the difference in the written-off amount will be returned;
The customer did not perform this operation, at the time of payment was in another city / country, and also claims that he did not acquire anything on this site( the store will have to prove that he sent the goods to the customer's name and address);
The signature on the account and the card itself is different( proof that the payment was not made by the customer and the fault on the side of the store in the absence of vigilance);
The customer did not receive the order / service in full which was originally claimed;
The customer paid for the goods / service at the same time in a different way( there is evidence in the form of a check or an extract from another card / account);
According to the law, the customer has the right to return the goods, but the seller refused.

chargedb We give two examples:

Maxim ordered a Samsung n-th model phone and he has a check for payment, as well as an order screenshot, which shows all the information about the order and delivery. But Samsung came to him with equivalent characteristics, with another model. He, as a client of the store, demanded an exchange or refund, while the transportation costs reported that he did not intend to cover. The store refused and Maxim applied for a chargeback. In this case, Maxim will be right, but in addition to reimbursement and payment of all expenses, the store will oblige Maxim to return the phone;
Maria bought a dress of size S, beige, but she received a dress as she thinks it is light beige, and the size did not fit( she did not check the measurements at the purchase, just chose the size she usually buys).Trying was not immediately, but a month later, and the return of goods have expired. After the refusal of the store, Maria applied for a charge. In this case, the chargeback will be denied, because the color palette may differ depending on the settings of the device, as well as the goods that were sent, fully corresponded to the measurements indicated on the store's website, which the seller can well prove. There are no grounds for investigation.

The timing of the chargeback procedure is standard and common worldwide - up to 180 calendar days from the date of filing the application.

How to return money if paid for the goods, and the store did not send the parcel

Consider the situation on the example of Aliexpress. You bought the goods, but he did not come to you. For your part, the store is obliged to return you funds or send a new product. Questions with the transport company lie on the seller's side, and they do not have the right to shift to the "shoulders" of the client.

So, further actions:

Open dispute on Alyexpress, or if you have overlooked and "Buyer Protection" is over - write to the support service of Aliexpress and the seller;
Wait for an answer to the e-mail, or read the response in your account. In case of refusal to refund we go further;
We address to the issuing bank( the bank that issued and maintains the card) and specify how they apply for chargeback. We fill and submit the application;
We expect for 180 days( usually faster, but it's best to focus on the maximum terms) and get a refund to the account or the bank's response to the investigation and its resolution.

Please note that chargeback is not a commercial service of the bank, which it can provide or not at its discretion. According to international law, the bank has obligations to its client, and one of them is the protection of the client at the Russian or international level in the event of controversial payments.

Deadlines for filing a chargeback

The deadline for submitting an application for a charge is set out in a contract between the client and the bank, but in most cases the application must be submitted within 120 calendar days after the transaction is completed.

In order to know this information - read the agreement issued when you open the card or the public offer of the bank located on the official site( most banks now tend to do this so as not to give the client a stack of documents).