Not everyone, of course, came across a chargeback in a banking institution, but many who lost money in scams or scam shops-fraud projects, which eventually close together with the money of depositors or buyers. And frustrated users can just give up on lost money, or they can try to get their money back with the help of charjback through the bank. Wikipedia tells us that chargeback is a procedure for protecting the rights of the payer when the issuing bank protests the payment and the received transfer (return payment) is debited from the beneficiary's account without acceptance without the owner's demand. Undoubtedly, when the accounts of two counterparties are placed in one bank - chargeback goes faster and easier, but if the issuing bank (payer) and the acquiring bank (beneficiary) have different legal structures, especially from different countries, then the procedure for repaying money is slightly more complicated and Can pull up. Because there is already 100% included MPS (international payment system), and not just Sberbank, Privatbank and other local institutions. Read more.
How to initiate a chargeback (return money to the card)
We apply personally to the bank to initiate the process of a refundable payment and a detailed statement on the disputed transaction.
We take with us your personal documents and all the facts of the recipient's failure to fulfill his obligations (investment / purchase agreements, account screenshots, copies of letters about attempts to contact and resolve the issue amicably, any other evidence of deception).
We write an application on the form proposed by the bank and attach the documents.
After the employee of the bank accepts the application for chargeback - we make a copy, where the date of reception, the signature of the receiving person and the stamp of the institution will be indicated.
We are waiting for information from the bank during the 30th review and 180 days from the international payment system VISA / MC (MAP) on the reconciliation of the chargeback.
Full article in source: https://bisnestrend.ru/index.php/chto-da-kak/194-kak-vernut-dengi-na-kartu-so-skama-chardzhbek
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