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The payment was made in favor of an individual. Transfers to individuals are not grounds for a chargeback. The application was submitted after 30 days or more. If you submit a chargeback application too late, you will face a refusal. In most Russian banks, you can dispute a transaction within thirty days, but the terms may be longer depending on oman telegram number database the specific bank or situation.

What is "transfer of responsibility" In 2015, payment systems adopted a “liability transfer” regulation for chip-based bank cards. This measure was taken to reduce the risk of fraudulent transactions. Before 3D Secure verification, all liability for disputed transactions rested with the merchant. Now, if a transaction was verified via one of the 3D Secure (3DS) protocols — for example, if the buyer entered a confirmation code sent via SMS — liability for the fraudulent transaction shifts from the merchant to the bank that issued the card.

In such cases, you can only get a refund if the cause was a technical error or if the seller's equipment did not meet technical standards. For example, if the buyer was forced to use a magnetic strip instead of a chip when paying. On the topic: Perception template: how to convey to the client that his expectations do not always correspond to reality What to do to get a chargeback Here is the algorithm by which you can get a chargeback: Contact your bank and say that you want to dispute the card transaction.