File a dispute with credit card provider for transaction via UPI

[ontherocks]

Do the credit card transaction dispute clauses hold true if the payment was done on the credit card via UPI? Can we file a transaction dispute to the credit card provider against the merchant for a transaction made via UPI? Merchant is a local merchant and card here is HDFC Tataneu Rupay, if that matters.

 

[Yugi]

Can you tell us what is the nature of complaint so that we can help you out better

 

[ontherocks]

Can you tell us what is the nature of complaint so that we can help you out better

The most common clause in credit card dispute, i.e. non fulfillment of product/service.
Merchant did not provide the product after payment.

 

[Yugi]

The most common clause in credit card dispute, i.e. non fulfillment of product/service.
Merchant did not provide the product after payment.

Sure, if you have the bill for the service/product that was to be delivered, yet not delivered, you can file a chargeback claim. They will ask for proofs and you have to produce them.

 

[Aniket]

Do the credit card transaction dispute clauses hold true if the payment was done on the credit card via UPI? Can we file a transaction dispute to the credit card provider against the merchant for a transaction made via UPI? Card here is HDFC Tataneu Rupay, if that matters.

Chargeback or Dispute is independent of the payment method, if I am correct. But the cause of such dispute must be understood to decide whether it falls under that clause or not.

So better if you provide proper details of your case. So that, other members can assist you properly.

 

[ontherocks]

Sure, if you have the bill for the service/product that was to be delivered, yet not delivered, you can file a chargeback claim. They will ask for proofs and you have to produce them.

In the case of online ecommerce, because there is a system of trackable delivery, its easy for the CC provider to verify the delivery claim made by both the parties (buyer & seller).
In the case of local merchants, I wonder how will CC provider verify the delivery claim made by both the parties?

 

[ontherocks]

Chargeback or Dispute is independent of the payment method, if I am correct.

No its not. One simple example is debit card payments.

 

[Aniket]

No its not. One simple example is debit card payments.

You're asking about credit card but not debit card.

Even there's provision for DC also.

 

[plastikman]

Chargeback process is initiated via Visa / MC, Amex or Diners.

The question is whether such a mechanism,exists with Rupay ? @Abhishek012, thoda prakash daliye.

 

[Aniket]

Chargeback process is initiated via Visa / MC, Amex or Diners.

The question is whether such a mechanism,exists with Rupay ? @Abhishek012, thoda prakash daliye.

Haan hota hai Rupay mein bhi

 

[Aniket]

Haan hota hai Rupay mein bhi

@plastikman Lo mujhe @Abhishek012 bro ka thread bhi mil gaya

RuPay Card Chargeback System and Reason Codes Explained

RuPay Card Chargeback System and Reason Codes Explained: A chargeback is a process whereby a customer can dispute a credit or debit card transaction and have the charge reversed. The cardholder contacts their card issuer and requests a chargeback, and the issuer debits the merchant’s account...

www.technofino.in

 

[plastikman]

Haan hota hai Rupay mein bhi

Got this thread -

Acchi baat hai 😅

RuPay Card Chargeback System and Reason Codes Explained

RuPay Card Chargeback System and Reason Codes Explained: A chargeback is a process whereby a customer can dispute a credit or debit card transaction and have the charge reversed. The cardholder contacts their card issuer and requests a chargeback, and the issuer debits the merchant’s account...

www.technofino.in

 

[Abhishek012]

Chargeback process is initiated via Visa / MC, Amex or Diners.

The question is whether such a mechanism,exists with Rupay ? @Abhishek012, thoda prakash daliye.

RuPay, UPI, RuPay CC on UPI sab me chargeback process hote hai. Koi matlab nahi banta hai yeh sab ques karne ka.

Aise bhi starting me issuer banks and acquirer banks investigate karte hai merchant k sath.

Payment network toh last me aate hai agar dispute reject kar deta hai merchant tab.

Ek bande ne 2 years pahele DD par daala tha yeh bank account link UPI ka -

Recently paid a person 1000 rs via UPI.

But the person denied providing the service.

Raised chargeback from idfc netbanking itself, no call, no email.

Today the person contacted me and said his bank has given him two options.

Either pay directly and tell me to withdraw the case or let the bank transfer back the amount.

All this within 3 days of registering complaint.

 

[varun__goel_]

No its not. One simple example is debit card payments.

Who said there's no mechanism for dc?
I have raised several times and even temp credit has been provided for the same few days back

 

[plastikman]

RuPay, UPI, RuPay CC on UPI sab me chargeback process hote hai. Koi matlab nahi banta hai yeh sab ques karne ka.

Aise bhi starting me issuer banks and acquirer banks investigate karte hai merchant k sath.

Payment network toh last me aate hai agar dispute reject kar deta hai merchant tab.

Ek bande ne 2 years pahele DD par daala tha yeh bank account link UPI ka -

Recently paid a person 1000 rs via UPI.

But the person denied providing the service.

Raised chargeback from idfc netbanking itself, no call, no email.

Today the person contacted me and said his bank has given him two options.

Either pay directly and tell me to withdraw the case or let the bank transfer back the amount.

All this within 3 days of registering complaint.

. Thanks 😊

 

[Aniket]

RuPay, UPI, RuPay CC on UPI sab me chargeback process hote hai. Koi matlab nahi banta hai yeh sab ques karne ka.

Aise bhi starting me issuer banks and acquirer banks investigate karte hai merchant k sath.

Payment network toh last me aate hai agar dispute reject kar deta hai merchant tab.

Ek bande ne 2 years pahele DD par daala tha yeh bank account link UPI ka -

Recently paid a person 1000 rs via UPI.

But the person denied providing the service.

Raised chargeback from idfc netbanking itself, no call, no email.

Today the person contacted me and said his bank has given him two options.

Either pay directly and tell me to withdraw the case or let the bank transfer back the amount.

All this within 3 days of registering complaint.

@Abhishek012 Need more details how he proved his case if the payment was made through UPI scan and pay at merchant location.

Kindly share the links of that post, if possible.

 

[Aniket]

Who said there's no mechanism for dc?
I have raised several times and even temp credit has been provided for the same few days back

Question bhi puchna hai aayese ki pata nahi hain, ans bhi dena hai aayese ki mujhe pata hain sab kuch already toh

question puchte hi kyu hain?😂

 

[varun__goel_]

Question bhi puchna hai aayese ki pata nahi hain, ans bhi dena hai aayese ki mujhe pata hain sab kuch already toh

question puchte hi kyu hain?😂

Unse pucha na ki kisne ye khdia unse😂
Kon hai vo mahaan insaan

 

[Abhishek012]

@Abhishek012 Need more details how he proved his case if the payment was made through UPI scan and pay at merchant location.

Kindly share the links of that post, if possible.

Yeh sab kisi bank expert and bank chargeback expert se pucho. Woh better bata payega.

Yeh koi RuPay and UPI related topic nahi hai, just because UPI se pay kiye toh UPI topic nahi ho jata hai. 🤣🤣

Normally bank proof mangte tak nahi hai, agar tum bank ko jada irrtate nahi karte ho toh, jaise mere case me nahi mangta hai kyunki mai saal me shayad he 1 bar kabhi complaint karta hu aur chargeback bhi rarely kabhi karta hu toh kuch nahi puchte itna.

Ekbar pucha tha toh mai bol diya koi proof nahi hai aise he chargeback apply karne bol diya tha bank kar diya. Jo log jada irritate karte hai bank ko wohi logo se proof mangte hai bank.

 

[Aniket]

Yeh sab kisi bank expert and bank chargeback expert se pucho. Woh better bata payega.

Yeh koi RuPay and UPI related topic nahi hai, just because UPI se pay kiye toh UPI topic nahi ho jata hai. 🤣🤣

Normally bank proof mangte tak nahi hai, agar tum bank ko jada irrtate nahi karte ho toh, jaise mere case me nahi mangta hai kyunki mai saal me shayad he 1 bar kabhi complaint karta hu aur chargeback bhi rarely kabhi karta hu toh kuch nahi puchte itna.

Ekbar pucha tha toh mai bol diya koi proof nahi hai aise he chargeback apply karne bol diya tha bank kar diya. Jo log jada irritate karte hai bank ko wohi logo se proof mangte hai bank.

Are merchant opposed karega claim ko then ? Bina proof ke kaise chalega?😂

Mein kaun sa trxn karke chargeback claim karta firta hoon, mein bas uska case ka kuch jada details tha ki puch raha tha? If tha toh share karne ko bola just...😂

Aap toh kaha se kaha cha gaye😐