Chardzhbek: What is ChargeBack and how to use it. How to return the money if you paid for the goods, and the store did not send the parcel. How to use Chardzhbek for Aliexpress?

We figure out what Chardzhbek is and how to use it.

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Purchases on the Internet allow you to make a conscious choice, save time and money, plus more than a dozen advantages. But the Internet purchases continue to be afraid, because many have a fear that he will be deceived without sending the goods, or sending him, but of a different quality than expected, and it will be impossible to return it. This issue is especially alarming when buying from China, because delivery there and back is often incommensurable with the amount of purchase.

In this article we will talk about how to return our money in case of non -fulfilling the store of our obligations. We also give an example of a return to Aliexpress.

It should rightly note that Aliexpress One of the few stores that deal with each stated problem and in the case when the client is right, always becomes to his side. But the situations are different and sometimes you need a bank help in a dispute with the seller.

For those who have never ordered anything for Aliexpress, we recommend our article, which tells how to pass the registration, as well as make the first order.

Chardzhbek: What is ChargeBack?

Chardzhbek or his international spelling of Chargeback is the process of contesting the bank of transactions on the card, which was paid by the client in a store or online store. In most cases, the CHARGEBACK application is submitted by the card holder, but there are situations in which the bank submits the application to Chargeback.

Chardzhbek - what kind of procedure and how to use it?

The procedure is simple, but, unfortunately, Russian users for the most part do not know about it, but, therefore, do not know how to protect themselves.

So, the process of the ChargeBack:

The card holder (buyer) submits an application (in electronic or written form depending on the terms of the bank) to the bank, which has also issued a card (account) that the operation for such and such a number at such and such and for such and such an amount invalid due to fraud or failure to fulfill its obligations from the store (online store);
The bank transfers the issue to the credit commission, which conducts an investigation on this payment, including requests from the store data confirming the success of the transaction and fulfilling its obligations;
In the case of customer’s correctness, the credit commission attributes the amount from the store’s account and sends the client. It is worth noting that ChargeBack services are paid and the perpetrator pays for the proceedings. That is, if the store proves that he fulfilled obligations, you will not only not return the money, but also write off the commission for the investigation from the account. Therefore, it is recommended to submit such applications consciously, having evidence that you are really right.

Grounds for submitting an application for Chardzhbek

We have identified all the reasons why Chardzhbek can be initiated. Please note that the bank occasionally occurs cases of problems with the submission of an application by an employee with an incompetent bank. If you are confident in your rightness, you can justify your point of opinion below the list below, as well as the fact that the employee’s task in the department or on the hotline will accept an application, and the decision will be made exclusively by the credit commission, which is not in the competence of this employee.

In case of problems with the delivery of goods and the occurrence of a controversial situation, the store refuses to fulfill its obligations (Refund). In this case, an investigation can be initiated;
Double write -off of funds. Technical error of software, often two identical amounts are written off with a difference of a second. There will be no problems with the return;
The amount of the purchase differs from the amount of the amount. In this case, the difference in the amount written off will return;
The client did not carry out this operation, at the time of the payment was in another city/country, and also claims that he did not purchase anything on this site (the store will have to prove that he sent goods to the name and address of the client);
The signature on the account and the card itself differs (evidence that the payment was made not by the client and the wine on the side of the store in the absence of vigilance);
The client did not receive an order/service in full which was originally declared;
The client 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 client has the right to return the goods, but the seller refused.

Grounds for submitting an application for Chardzhbek

Let us give two examples:

Maxim ordered the Samsung phone number of the model and he has a check for payment, as well as the screenshot of the order, which indicates all the information about the order and delivery. But Samsung came to him with equivalent characteristics, with another model. He, as a customer of the store, demanded an exchange or return, while transporting said that he did not intend to cover. The store refused and Maxim submitted an application for Chargeback. In this case, Maxim will be rights, but in addition to reimbursement and payment of all expenses, the store will nevertheless oblige Maxim to return the phone;
Maria bought a dress of size S, beige, but she received a dress as she believes lightly beige, and the size did not fit (she did not check the measurements when buying, she just chose the size that she usually buys). The fitting was not immediately, but a month later, and the terms of return of the goods were already expired. After the store refused, Maria applied to Chardzhbek. In this case, ChargeBack will be refused, 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 may well prove. There are no grounds for the investigation.

The terms of the ChargeBack procedure are standard and generally accepted around the world - up to 180 calendar days from the date of application.

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

Consider the situation with an example Aliexpress. You bought a product, but it did not come to you. For his part, the store is obliged to return the funds to you or send a new product. Questions with a transport company are on the seller’s side, and they have no right to transfer to the “shoulders” of the client.

So, further actions:

Open the dispute on Aliexpress, or if you have overshadowed and the “buyer defense” is over - write to the support service of Aliexpress and the seller himself;
Wait for an answer to the e-mail, or get acquainted in the answer in your personal account. In case of refusal to return the funds, go further;
We contact the issuing bank (the bank that has issued and serves the card) and specify how they are submitted by their application for Chargeback. We fill out and submit an application;
We expect within 180 days (usually faster, but it is best to focus on the maximum terms) and we get a refund to the account or the bank’s response about the proceedings and its decision.

Please note that Chargeback is not a commercial service of the bank that it may provide or not at its discretion. According to international legislation, the bank has obligations to its client, and one of them is the protection of the client at the Russian or international level in case of disputed payments.

CHRRGEBACK feed time

The deadlines for submitting an application for Chardzhbek are prescribed in the contract between the client and the bank, but in most cases it is necessary to submit an application within 120 calendar days after the transaction.

In order to find out this information - read the contract issued when opening a card or a public offer of the bank located on the official website (most banks are now inclined to this so as not to issue piles of documents to the client).

We hope our article helped to understand such a simple, but even unfamiliar situation as a return of our funds to the card. Now you can buy on the Internet with complete confidence that you will not be deceived!