Regarding chargeback for transactions in IDFC card

[Koushikdas24]

Well, I had to pay a big amount of insurance approx 10k. So I visited sites that offering discounts on Amazon Pay gift cards and as luck or bad luck, I found this site pagostore.in And saw 10% discount on 10k gift card. (I imagined not impossible cause some bank offers 10% discount in sale) Saw some good reviews and I hop in. As a precaution first purchased 10rs gift card and after payment instantly received order processing mail after 2 minutes received gift card and after 1 min my received order completed mail.
Then ordered 100rs gift card and after 1 min it was processed, 1 min later received the gift card and 1 min later order was completed. Then here it comes..
Finally ordered 10k gift card with discounted value of 9k and paid from IDFC Rupay credit card UPI anddd order goes pending. Here comes twist, when I tried calling support it connected to decathlon store and they have no idea about pagostore or indiabolomagic merchant. Then mailed them and it reverts me within a minute saying mail address not found. Contacted through whatsapp and telegram but no such support team exists.
And then I feel like my world goes down, visited site again and found a link to create a ticket. Then after creating a ticket, an hour or more later I got mail that my order has been received and a order completed mail instantly. But no gift card received. Waited for couple of hours but still nothing received. Then again created a ticket and started replaying every possible mail received from them. Finally at the end of the day, I feel I got fooled.

Then next day I called Idfc and tell them everything and request for chargeback and the official created a ticket and told me to attach proofs, and after a day I got a message of temporary credit of that disputed transaction. I was on cloud nine thinking IDFC is best, they told me it would take 30 to 180 days and processed this fast. I felt great relief. God literliterally laughed (if there any)
A month later: Today I received message from IDFC again that my disputed txn is reversed as good/service is found delivered. I'm seeing darkness again.
I mailed IDFC again requesting to investigate the case again, as merchant not replied to me. Let's see what will happen..
Sadly, I can't raise it to NCH or rbi ombudsman as the merchant is not listed. Well that's my story, and if any of guys faced any similar issue and have any suggestions for me I will gladly accept.

 

[Anupama_Jha]

Tweet your issue on X.com

Attach proofs and tag IDFC.

Email nodal, pno and md&ceo as well

 

[Chhota Bheem]

Don't worry, raise charge back request on good faith basis with same complaint number. Ask the bank to confirm with the proof of delivery.

Tell them the case will be escalated to RBI Ombudsman if amount is not credited.

 

[Pissant]

I have also had bad experience with IDFC First CC’s with regards to chargebacks.

 

[Chhota Bheem]

Sadly, I can't raise it to NCH or rbi ombudsman as the merchant is not listed. Well that's my story, and if any of guys faced any similar issue and have any suggestions for me I will gladly accept.

It has to be done against IDFC First Bank not merchant.

 

[Chhota Bheem]

indiabolomagic merchant

 

[Koushikdas24]

Tweet your issue on X.com

Attach proofs and tag IDFC.

Email nodal, pno and md&ceo as well

Ok. I will surely mail principal nodal and nodals and tweet them. Let's see what happens
If nothing happens only ombudsman will be the only way.

 

[Koushikdas24]

Don't worry, raise charge back request on goodwill basis with same complaint number. Ask the bank to confirm with the proof of delivery.

Tell them the case will be escalated to RBI Ombudsman if amount is not credited.

Yeah I have done this yesterday with old chargeback case. Today will mail to nodals. Let's hope it will solve easily

 

[Koushikdas24]

View attachment 79067

Yeah it's my bad, I won't visit on that damn site ever again

 

[Koushikdas24]

Update: Idfc dismissed my case without a proper resolution

I got a call from 'em yesterday and it's written -
As per our telephonic conversation and as per the supporting documents received from the acquiring bank/merchant, the services have been delivered you. Hence, the temporary credit of Rs. 9,000 has been reversed. Kindly find the attached documents for your reference.

Additionally, please note the following actions taken regarding the disputed transaction of Rs. 9,000.

• Pre-Arbitration was raised on December 4, 2024.
• Chargeback was raised on November 30, 2024.

Since the dispute has not been resolved in your favour, we kindly request you to contact the merchant directly for further assistance.

And as I was saying that merchant is a fraud, there isn't any proper way to connect them she just said in a cold voice "Sir, we can understand your frustration but as the result isn't in your favour we simply can't do anything"
And whatever else I was saying getting same reply, I mean

Spoiler

what kind of fk up shit is it? Like she was just telling to my face "You lost it bitch you won't get back your money ever"

And added a shitty bank settlement report as proof of merchant delivered the service. Totally shit

Well, as for me I don't chasing IDFC will get me anywhere, so I reported to mobikwik as it was a mobikwik merchant. And told 'em in details and requested to contact merchant to contact me or resend gift card or ask 'em proof of that they delivered to me or help me to refund. That's it, any suggestions @Anupama_Jha

 

[Anupama_Jha]

Update: Idfc dismissed my case without a proper resolution

I got a call from 'em yesterday and it's written -
As per our telephonic conversation and as per the supporting documents received from the acquiring bank/merchant, the services have been delivered you. Hence, the temporary credit of Rs. 9,000 has been reversed. Kindly find the attached documents for your reference.

Additionally, please note the following actions taken regarding the disputed transaction of Rs. 9,000.

• Pre-Arbitration was raised on December 4, 2024.
• Chargeback was raised on November 30, 2024.

Since the dispute has not been resolved in your favour, we kindly request you to contact the merchant directly for further assistance.

And as I was saying that merchant is a fraud, there isn't any proper way to connect them she just said in a cold voice "Sir, we can understand your frustration but as the result isn't in your favour we simply can't do anything"
And whatever else I was saying getting same reply, I mean

Spoiler

what kind of fk up shit is it? Like she was just telling to my face "You lost it bitch you won't get back your money ever"

And added a shitty bank settlement report as proof of merchant delivered the service. Totally shit

Well, as for me I don't chasing IDFC will get me anywhere, so I reported to mobikwik as it was a mobikwik merchant. And told 'em in details and requested to contact merchant to contact me or resend gift card or ask 'em proof of that they delivered to me or help me to refund. That's it, any suggestions @Anupama_Jha


View attachment 79315

Did you emailed nodal, pno and ceo.

Email once again and mention arbitration.

Read here: https://www.cashfree.com/help/715/what-is-a-chargeback

Btw, did you said idfc to request merchant to share gift voucher details, which u are supposed to receive as *goods*

 

[Koushikdas24]

Did you emailed nodal, pno and ceo.

Email once again and mention arbitration.

Read here: https://www.cashfree.com/help/715/what-is-a-chargeback

Btw, did you said idfc to request merchant to share gift voucher details, which u are supposed to receive as *goods*

Yeah, I did. And adressed Vipul Raj sir. But got call from some lady mentioned of Nodal team.
Didn't think of mailing CEO. Now I'm gonna chase 'em all.

I didn't raised chargeback, I just called IDFC they did it. I simply had to upload proof on link sent

And Sending a mail cc will be enough or I have to personally address 'em all?

 

[Anupama_Jha]

Personally address them all. Untill u bombard, they won't acknowledge ur issue.

 

[Koushikdas24]

Update from idfc- We wish to inform you that a dispute against the same was already raised, but the chargeback was rejected because the transactions were successful with Mobikwik.

Further, for any dispute, we request you to check with Mobikwik or with the law enforcement agency.

And mobikwik was hilarious, they asked 3 times of my registered mobile & mail. And last update from them yesterday was-
We would like to inform you that the disputed transaction has already been settled in the merchant account and this is the settlement UTR number - AXISxxxxxxxx , So we request you to please co-ordinate with the merchant team and ask them to check the details with the help of settlement UTR.

Now tell me what a shitty justice system ? I tried my best with IDFC contacted primary nodal, regional nodal and even CEO . But all of their reply is same. Any thoughts on this @Anupama_Jha

 

[Koushikdas24]

It has to be done against IDFC First Bank not merchant.

Bro, any thoughts? I'm clueless totally.

 

[Abhishek012]

Well, I had to pay a big amount of insurance approx 10k. So I visited sites that offering discounts on Amazon Pay gift cards and as luck or bad luck, I found this site pagostore.in And saw 10% discount on 10k gift card. (I imagined not impossible cause some bank offers 10% discount in sale) Saw some good reviews and I hop in. As a precaution first purchased 10rs gift card and after payment instantly received order processing mail after 2 minutes received gift card and after 1 min my received order completed mail.
Then ordered 100rs gift card and after 1 min it was processed, 1 min later received the gift card and 1 min later order was completed. Then here it comes..
Finally ordered 10k gift card with discounted value of 9k and paid from IDFC Rupay credit card UPI anddd order goes pending. Here comes twist, when I tried calling support it connected to decathlon store and they have no idea about pagostore or indiabolomagic merchant. Then mailed them and it reverts me within a minute saying mail address not found. Contacted through whatsapp and telegram but no such support team exists.
And then I feel like my world goes down, visited site again and found a link to create a ticket. Then after creating a ticket, an hour or more later I got mail that my order has been received and a order completed mail instantly. But no gift card received. Waited for couple of hours but still nothing received. Then again created a ticket and started replaying every possible mail received from them. Finally at the end of the day, I feel I got fooled.

Then next day I called Idfc and tell them everything and request for chargeback and the official created a ticket and told me to attach proofs, and after a day I got a message of temporary credit of that disputed transaction. I was on cloud nine thinking IDFC is best, they told me it would take 30 to 180 days and processed this fast. I felt great relief. God literliterally laughed (if there any)
A month later: Today I received message from IDFC again that my disputed txn is reversed as good/service is found delivered. I'm seeing darkness again.
I mailed IDFC again requesting to investigate the case again, as merchant not replied to me. Let's see what will happen..
Sadly, I can't raise it to NCH or rbi ombudsman as the merchant is not listed. Well that's my story, and if any of guys faced any similar issue and have any suggestions for me I will gladly accept.

Tell them to file a charge on pre-arbitration and arbitration. Also share them your pagostore.in transaction history, all proof like transaction order pending on pagostore.in and pagostore.in email reply (if any) etc.

Chargeback pre-arbitration and arbitration are steps in the process of resolving a customer dispute over a transaction

• Pre-arbitration: A chance for the merchant and customer to present evidence and resolve the dispute. This is also known as a "second chargeback".
• Arbitration: A final step where the Card/UPI network makes a decision on the dispute. This is the final event in the dispute resolution cycle. This is also known as a "third and final chargeback".

In representment, the merchant gathers evidence that demonstrates that whatever reason the card/UPI holder gave for the chargeback is untrue.

For example, a merchant would respond to a chargeback with a "transaction not authorized" reason code with proof that the card/UPI holder authorized the transaction.

The merchant submits this evidence to the issuing bank, which makes a decision to either uphold or reverse the chargeback.

However, if the card/UPI holder disputes the transaction a second time based on new evidence, the issuing bank can pursue that as a second chargeback. At this point, the process enters pre-arbitration, or pre-arb, as a second round of disputes.

What Is Chargeback Pre-arbitration?

Pre-arbitration is the last chance for the merchant and the issuing bank to settle a chargeback before arbitration begins, at which point the card/UPI network steps in to make a final decision.

Pre-arbitration is usually requested by the customer’s issuing bank, though the acquiring bank can also request it should the merchant be unhappy with the results of the initial dispute.

When pre-arbitration is initiated, merchants have two options. First, they can accept liability for the chargeback, and the customer gets refunded their money in full. If they're not willing to accept liability, they can request arbitration. This means that the card/UPI network will step in to make a final decision on the dispute.

What Is Chargeback Arbitration?

If the merchant doesn’t accept liability during pre-arbitration, the chargeback moves into arbitration. The purpose of arbitration is to place the dispute decision in the hands of an impartial third party: the card/UPI network.

Since the issuing and acquiring banks have been unable to settle on an outcome on their own, arbitration gives the card/UPI network the power to weigh in and have the final say.

 

[Abhishek012]

Tell them to file a charge on pre-arbitration and arbitration. Also share them your pagostore.in transaction history, all proof like transaction order pending on pagostore.in and pagostore.in email reply (if any) etc.

Chargeback pre-arbitration and arbitration are steps in the process of resolving a customer dispute over a transaction

• Pre-arbitration: A chance for the merchant and customer to present evidence and resolve the dispute. This is also known as a "second chargeback".
• Arbitration: A final step where the Card/UPI network makes a decision on the dispute. This is the final event in the dispute resolution cycle. This is also known as a "third and final chargeback".

In representment, the merchant gathers evidence that demonstrates that whatever reason the card/UPI holder gave for the chargeback is untrue.

For example, a merchant would respond to a chargeback with a "transaction not authorized" reason code with proof that the card/UPI holder authorized the transaction.

The merchant submits this evidence to the issuing bank, which makes a decision to either uphold or reverse the chargeback.

However, if the card/UPI holder disputes the transaction a second time based on new evidence, the issuing bank can pursue that as a second chargeback. At this point, the process enters pre-arbitration, or pre-arb, as a second round of disputes.

What Is Chargeback Pre-arbitration?

Pre-arbitration is the last chance for the merchant and the issuing bank to settle a chargeback before arbitration begins, at which point the card/UPI network steps in to make a final decision.

Pre-arbitration is usually requested by the customer’s issuing bank, though the acquiring bank can also request it should the merchant be unhappy with the results of the initial dispute.

When pre-arbitration is initiated, merchants have two options. First, they can accept liability for the chargeback, and the customer gets refunded their money in full. If they're not willing to accept liability, they can request arbitration. This means that the card/UPI network will step in to make a final decision on the dispute.

What Is Chargeback Arbitration?

If the merchant doesn’t accept liability during pre-arbitration, the chargeback moves into arbitration. The purpose of arbitration is to place the dispute decision in the hands of an impartial third party: the card/UPI network.

Since the issuing and acquiring banks have been unable to settle on an outcome on their own, arbitration gives the card/UPI network the power to weigh in and have the final say.

NPCI recently Implement NRP & PRD process & arbitration guidelines on UPI - https://www.npci.org.in/PDF/npci/up...of-NRP-PRD-process-arbitration-guidelines.pdf

By the way, the amount mentioned in this circular 500+GST and 3000+GST is to be paid by the bank. Visa/Mastercard also charge some chargeback fee, which the banks pay. Nothing new, so don't get confused by seeing the amount.

Compensation has also been discussed in this circular -

UPI chargeback reason codes -

 

[aniketkr.sharma]

Well, I had to pay a big amount of insurance approx 10k. So I visited sites that offering discounts on Amazon Pay gift cards and as luck or bad luck, I found this site pagostore.in And saw 10% discount on 10k gift card. (I imagined not impossible cause some bank offers 10% discount in sale) Saw some good reviews and I hop in. As a precaution first purchased 10rs gift card and after payment instantly received order processing mail after 2 minutes received gift card and after 1 min my received order completed mail.
Then ordered 100rs gift card and after 1 min it was processed, 1 min later received the gift card and 1 min later order was completed. Then here it comes..
Finally ordered 10k gift card with discounted value of 9k and paid from IDFC Rupay credit card UPI anddd order goes pending. Here comes twist, when I tried calling support it connected to decathlon store and they have no idea about pagostore or indiabolomagic merchant. Then mailed them and it reverts me within a minute saying mail address not found. Contacted through whatsapp and telegram but no such support team exists.
And then I feel like my world goes down, visited site again and found a link to create a ticket. Then after creating a ticket, an hour or more later I got mail that my order has been received and a order completed mail instantly. But no gift card received. Waited for couple of hours but still nothing received. Then again created a ticket and started replaying every possible mail received from them. Finally at the end of the day, I feel I got fooled.

Then next day I called Idfc and tell them everything and request for chargeback and the official created a ticket and told me to attach proofs, and after a day I got a message of temporary credit of that disputed transaction. I was on cloud nine thinking IDFC is best, they told me it would take 30 to 180 days and processed this fast. I felt great relief. God literliterally laughed (if there any)
A month later: Today I received message from IDFC again that my disputed txn is reversed as good/service is found delivered. I'm seeing darkness again.
I mailed IDFC again requesting to investigate the case again, as merchant not replied to me. Let's see what will happen..
Sadly, I can't raise it to NCH or rbi ombudsman as the merchant is not listed. Well that's my story, and if any of guys faced any similar issue and have any suggestions for me I will gladly accept.

 

[Abhishek012]

Well, I had to pay a big amount of insurance approx 10k. So I visited sites that offering discounts on Amazon Pay gift cards and as luck or bad luck, I found this site pagostore.in And saw 10% discount on 10k gift card. (I imagined not impossible cause some bank offers 10% discount in sale) Saw some good reviews and I hop in. As a precaution first purchased 10rs gift card and after payment instantly received order processing mail after 2 minutes received gift card and after 1 min my received order completed mail.
Then ordered 100rs gift card and after 1 min it was processed, 1 min later received the gift card and 1 min later order was completed. Then here it comes..
Finally ordered 10k gift card with discounted value of 9k and paid from IDFC Rupay credit card UPI anddd order goes pending. Here comes twist, when I tried calling support it connected to decathlon store and they have no idea about pagostore or indiabolomagic merchant. Then mailed them and it reverts me within a minute saying mail address not found. Contacted through whatsapp and telegram but no such support team exists.
And then I feel like my world goes down, visited site again and found a link to create a ticket. Then after creating a ticket, an hour or more later I got mail that my order has been received and a order completed mail instantly. But no gift card received. Waited for couple of hours but still nothing received. Then again created a ticket and started replaying every possible mail received from them. Finally at the end of the day, I feel I got fooled.

Then next day I called Idfc and tell them everything and request for chargeback and the official created a ticket and told me to attach proofs, and after a day I got a message of temporary credit of that disputed transaction. I was on cloud nine thinking IDFC is best, they told me it would take 30 to 180 days and processed this fast. I felt great relief. God literliterally laughed (if there any)
A month later: Today I received message from IDFC again that my disputed txn is reversed as good/service is found delivered. I'm seeing darkness again.
I mailed IDFC again requesting to investigate the case again, as merchant not replied to me. Let's see what will happen..
Sadly, I can't raise it to NCH or rbi ombudsman as the merchant is not listed. Well that's my story, and if any of guys faced any similar issue and have any suggestions for me I will gladly accept.

I forgot to ask, The merchant sent the gift voucher via email, right?

Did you also check the spam section of your email? Sometimes, gift voucher emails delivered in the spam folder.

 

[Koushikdas24]

Tell them to file a charge on pre-arbitration and arbitration. Also share them your pagostore.in transaction history, all proof like transaction order pending on pagostore.in and pagostore.in email reply (if any) etc.

Chargeback pre-arbitration and arbitration are steps in the process of resolving a customer dispute over a transaction

• Pre-arbitration: A chance for the merchant and customer to present evidence and resolve the dispute. This is also known as a "second chargeback".
• Arbitration: A final step where the Card/UPI network makes a decision on the dispute. This is the final event in the dispute resolution cycle. This is also known as a "third and final chargeback".

In representment, the merchant gathers evidence that demonstrates that whatever reason the card/UPI holder gave for the chargeback is untrue.

For example, a merchant would respond to a chargeback with a "transaction not authorized" reason code with proof that the card/UPI holder authorized the transaction.

The merchant submits this evidence to the issuing bank, which makes a decision to either uphold or reverse the chargeback.

However, if the card/UPI holder disputes the transaction a second time based on new evidence, the issuing bank can pursue that as a second chargeback. At this point, the process enters pre-arbitration, or pre-arb, as a second round of disputes.

What Is Chargeback Pre-arbitration?

Pre-arbitration is the last chance for the merchant and the issuing bank to settle a chargeback before arbitration begins, at which point the card/UPI network steps in to make a final decision.

Pre-arbitration is usually requested by the customer’s issuing bank, though the acquiring bank can also request it should the merchant be unhappy with the results of the initial dispute.

When pre-arbitration is initiated, merchants have two options. First, they can accept liability for the chargeback, and the customer gets refunded their money in full. If they're not willing to accept liability, they can request arbitration. This means that the card/UPI network will step in to make a final decision on the dispute.

What Is Chargeback Arbitration?

If the merchant doesn’t accept liability during pre-arbitration, the chargeback moves into arbitration. The purpose of arbitration is to place the dispute decision in the hands of an impartial third party: the card/UPI network.

Since the issuing and acquiring banks have been unable to settle on an outcome on their own, arbitration gives the card/UPI network the power to weigh in and have the final say.

Yeah I sent them all transaction history, order details that's are avilable to me in mail. (Merchant probably blocked my account or made inactive since I can't login)